Patents by Inventor Milos Dunjic
Milos Dunjic has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11907925Abstract: In an aspect a computer-implemented method is described. The method may include: causing a point-of-sale terminal processing a transaction to display a machine-readable code, the machine-readable code encoding a web address; receiving a request from a device that scanned the machine-readable code, the request received at the web address and the request including data; determining, based on data encoded in the machine-readable code and data included in the request, that the transaction may be processed using a value-added service; and in response to determining that the transaction may be processed using the value-added service, enabling completion of the transaction using the value-added service.Type: GrantFiled: January 6, 2021Date of Patent: February 20, 2024Assignee: The Toronto-Dominion BankInventors: David Samuel Tax, Milos Dunjic, Derek Richard Castell, Anthony Haituyen Nguyen, Bryan Michael Gleeson, Jeffrey Aaron Ecker
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Publication number: 20240054557Abstract: In some aspects, a computing system may include a processor. Also, the computing system may include a communications module coupled to the processor. Furthermore, the computing system may include a memory coupled to the processor, the memory storing instructions that, when executed, configure the computing system to: determine a daily positive modifier amount based on an amount of positive adjustments to an account over an extended time period; determine a daily non-discretionary negative modifier amount based on an amount of non-discretionary negative adjustments to the account over the extended time period; determine a daily discretionary amount based on the daily positive modifier amount and the daily non-discretionary negative modifier amount; detect an expected negative modification event; and in response to detect the expected negative modification event, trigger a notification based on the daily discretionary amount.Type: ApplicationFiled: August 15, 2022Publication date: February 15, 2024Inventors: Milos DUNJIC, David Samuel TAX, Kushank RASTOGI
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Patent number: 11900132Abstract: The disclosed embodiments include computer-implemented systems and processes that dynamically and selectively modify portions of a displayed interface to include interface elements that, when selected by a user through a single provided input, initiate a performance of a data exchange in accordance with parameter values consistent with prior initiated data exchanges. For example, a communications device may display, on a display unit, a first interface element representative of a first data exchange and may receive expected values of parameters that characterize the second data exchange. When a determined parameter value is consistent with the expected parameter values, the communications device may modify the first interface element and present, on the display unit, the modified first interface element and a second interface element within the interface.Type: GrantFiled: June 14, 2017Date of Patent: February 13, 2024Assignee: The Toronto-Dominion BankInventors: Alexander Kiriakou, Milos Dunjic, Arthur Carroll Chow, John Jong-Suk Lee, Arun Victor Jagga
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Patent number: 11900352Abstract: The disclosed embodiments include computer-implemented systems and processes that perform operations that initiate, approve, and execute exchanges of data between network-connected systems, apparatuses, and devices in a computing environment. For example, a network-connected apparatus may receive a first value of a parameter that characterizes an exchange of data initiated at a terminal device, identify a second value of the parameter allocated to the client device. In response to a determination that the first parameter value exceeds the second parameter value, the apparatus may request, and receive, parameter data from an application program executed by the at least one processor. The parameter data may identify a third value of the parameter allocated to the client device by the executed application program, and the apparatus may authorize, based on the second and third parameter values, a performance of the initiated data exchange in accordance with the first parameter value.Type: GrantFiled: August 11, 2021Date of Patent: February 13, 2024Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, Perry Aaron Jones Haldenby, John Jong-Suk Lee
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Patent number: 11902289Abstract: A computer-implemented method is disclosed. The method includes: receiving, from a web server associated with a protected resource, a first signal including a request to validate a bearer token submitted by a client device to the web server, the bearer token including a digital signature; validating the bearer token, the validating including verifying the digital signature using a public key associated with an end user of the client device; and in response to validating the bearer token, sending to the web server a second signal including a notification that the bearer token is valid.Type: GrantFiled: September 22, 2020Date of Patent: February 13, 2024Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, Anthony Haituyen Nguyen, Yubing Liu, Arthur Carroll Chow, Casey Lyn Doyle, Richard John Frederick Thake, Mengfei Wang, Aaron Ashish Hudali, Gregory Albert Kliewer, Martin Albert Lozon, Yusbel Garcia Diaz, Gareth Daly, Masashi Kobayashi, Randall John Bast
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Patent number: 11895095Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authenticate device identity and authorize exchanges of data in real-time based on dynamically generated cryptographic data. For example, an apparatus may receive a first signal that includes a first cryptogram associated with a client device, and may perform operations that authenticate an identity of the client device based on a comparison of the received first cryptogram and a second cryptogram generated by a computing system associated with an application program executed by the client device. In response to the authenticated identity, the apparatus may load profile data associated with the client device from a storage unit, and perform operations consistent with the profile data in accordance with the authenticated identity.Type: GrantFiled: July 21, 2021Date of Patent: February 6, 2024Assignee: The Toronto-Dominion BankInventors: Dino Paul D'Agostino, Perry Aaron Jones Haldenby, Dean C. N. Tseretopoulos, Jeffrey Aaron Ecker, Adam Douglas McPhee, Milos Dunjic, John Jong-Suk Lee, Arun Victor Jagga
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Publication number: 20240039736Abstract: A computer-implemented method is disclosed. The method includes: receiving, via a client device, a resource transfer request for resources to be transferred to a transferee account; generating a secure data object based on request data of the resource transfer request, the secure data object including a first hash computed based on an input string comprising a transferee account identifier; signing the secure data object using a private key of a transferee resource account management system; and sending the signed secure data object to a messaging address associated with a transferor account.Type: ApplicationFiled: October 6, 2023Publication date: February 1, 2024Applicant: The Toronto-Dominion BankInventors: Milos DUNJIC, Asad JOHEB, David Samuel TAX
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Patent number: 11888854Abstract: A computer-implemented method is disclosed. The method includes: receiving an authentication request to authenticate a first entity with a first service; in response to receiving the authentication request: identifying an access-restricted first data record associated with the first entity; generating a message associated with a first transfer of resources between the first data record and a designated second data record, the message identifying one of the first and second data records as a recipient data record for the first transfer and defining a first quantity of resources to transfer; and transmitting the message to a first server associated with the first entity, the first server requiring user authentication to access the message; determining a completion status of the first transfer; and generating a response to the authentication request based on the completion status of the first transfer.Type: GrantFiled: August 23, 2021Date of Patent: January 30, 2024Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, David Samuel Tax, Kushank Rastogi, Asad Joheb, Lisa Marie Bast, Vipul Kishore Lalka
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Patent number: 11882126Abstract: A computer-implemented method is disclosed.Type: GrantFiled: April 14, 2022Date of Patent: January 23, 2024Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, David Samuel Tax, Gregory Albert Kliewer
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Patent number: 11861017Abstract: A method for evaluating security of third-party application is disclosed. The method includes: receiving, from a first application, a request to obtain first account data for a user account associated with a protected data resource; generating fake data for at least a portion of the requested first account data; providing, to the first application, a first data set in response to the request, the first data set including at least the generated fake data; monitoring use of the first data set by the first application; detecting a trigger condition indicating misuse of account data based on monitoring use of the first data set by the first application; in response to detecting the trigger condition, generating a notification identifying the misuse of account data; and transmitting the notification to a computing device associated with an application user.Type: GrantFiled: January 27, 2022Date of Patent: January 2, 2024Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, David Samuel Tax, Gregory Albert Kliewer, Anthony Haituyen Nguyen, Sairam Srinivasa Poguluru, Shishir Dattatraya Bhat
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Patent number: 11843702Abstract: A processor-implemented method is disclosed. The method includes: generating a secure data object associated with a request for transfer of resources, the secure data object indicating one or more resource transfer parameters including account information for a transferee account at a resource account management system, wherein the secure data object includes a first hash computed based on the one or more resource transfer parameters; signing the secure data object using a private key associated with the resource account management system; and sending the secure data object to a messaging address associated with a transferor of the requested resources.Type: GrantFiled: November 20, 2020Date of Patent: December 12, 2023Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, Asad Joheb, David Samuel Tax
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Publication number: 20230385890Abstract: According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises, a communication module, and a processor coupled to the sensor and the communication module. The ambient commerce system further includes a memory coupled to the processor. The memory stores processor-executable instructions which, when executed, cause the processor to: detect, based on an output of one or more of the sensors, an unauthenticated entity at an ambient commerce premises; receive, from a first independent trusted system and via the communication module, an indication that authentication has been performed by the first independent trusted system for the unauthenticated entity using a first authentication parameter; determine that the entity is an authenticated entity based on the indication that the authentication has been performed and at least a second authentication parameter; and perform an ambient commerce operation for the authenticated entity.Type: ApplicationFiled: May 25, 2022Publication date: November 30, 2023Applicant: The Toronto-Dominion BankInventors: Milos DUNJIC, David Samuel TAX, Kushank RASTOGI, Jonathan Joseph PRENDERGAST
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Publication number: 20230362233Abstract: A server computer system, comprises a processor; a communications module coupled to the processor; and a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to receive, via the communications module and from a client device, a signal including a request to configure a transfer of data to a particular data record; determine that the particular data record is associated with a third party server; obtain a trust score associated with the particular data record; determine that the trust score satisfies trust criteria; and responsive to determining that the trust score satisfies trust criteria, enable one or more transfer features associated with a real-time transfer protocol.Type: ApplicationFiled: July 13, 2023Publication date: November 9, 2023Applicant: The Toronto-Dominion BankInventors: Milos DUNJIC, David Samuel TAX, Kushank RASTOGI, Vipul Kishore LALKA
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Patent number: 11811748Abstract: A computer-implemented method is disclosed. The method includes: receiving, via a communication interface from a client application executing on a first device, a first signal including a request to obtain an access token for accessing a protected resource, the request including a public key associated with an end user; validating the request to obtain the access token; and in response to validating the request: encrypting an authorization code associated with the request using the public key to generate a first code; and transmitting, via the communication interface to the client application on the first device, a second signal including both the access token for accessing the protected resource and the first code.Type: GrantFiled: July 28, 2021Date of Patent: November 7, 2023Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, Anthony Haituyen Nguyen, Yubing Liu, Arthur Carroll Chow, Casey Lyn Doyle, Richard John Frederick Thake, Mengfei Wang, Aaron Ashish Hudali, Gregory Albert Kliewer, Martin Albert Lozon, Yusbel Garcia Diaz, Gareth Daly, Masashi Kobayashi, Randall John Bast
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Publication number: 20230336617Abstract: A server computer system, comprises a processor; a communications module coupled to the processor; and a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to obtain information associated with a request to transfer data to a data record; determine, based on an identifier associated with the data record, whether a real-time transfer protocol is available to complete the transfer; and send, via the communications module and to a client device associated with a recipient of the request to transfer the data to the data record, a signal updating one or more interface elements of an interface displayed on the client device based on whether the real-time transfer protocol is available to complete the transfer.Type: ApplicationFiled: June 20, 2023Publication date: October 19, 2023Applicant: The Toronto-Dominion BankInventors: Milos DUNJIC, David Samuel TAX, Jonathan Joseph PRENDERGAST, Kushank RASTOGI, Vipul Kishore LALKA
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Publication number: 20230336545Abstract: A computer-implemented method is disclosed. The method includes: receiving, via a first application, a request to connect a first data record associated with the first application on a computing device with a second data record associated with a second application on the computing device; establishing a secure data communication channel between the first application and the second application; receiving, via the first application, a request for transfer of data between the first application and the second application; and in response to receiving the request, transmit, by the first application to the second application via the secure data communication channel, a message comprising the second device token using a trusted link associated with the second application.Type: ApplicationFiled: June 22, 2023Publication date: October 19, 2023Applicant: The Toronto-Dominion BankInventors: Dino Paul D'AGOSTINO, David Samuel TAX, Milos DUNJIC, Sahana DORAI, Nolan GLYNN-UDROW
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Patent number: 11790354Abstract: The present disclosure involves systems, software, and computer implemented methods for a remittance system that pre-populates remittance data based on historical usage of remittance transactions. One example system includes operations to generate, using a predictive model, data indicating a predicted likelihood of a user selecting at least one data exchange transaction, wherein the data indicates the predicted likelihood of the user performing the at least one data exchange transaction. A request is received to access a remittance page. In response, the at least one data exchange transaction that was previously generated is selected from a repository of predicted likelihoods. Remittance data associated with a UI element is generated that includes the at least one data exchange transaction. The remittance data is transmitted to the device. An indication from the device is received for interacting with the UI element. The data exchange transaction is executed in response to receiving the indication.Type: GrantFiled: July 1, 2021Date of Patent: October 17, 2023Inventors: Rajeev Kumar Gandhi, Robert Kyle Miller, Kushank Rastogi, David Samuel Tax, Milos Dunjic, Arthur Carroll Chow, Armon Rouhani, Maryam Karbasi, Kamana Tripathi, John Jong-Suk Lee, Arun Victor Jagga
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Publication number: 20230315870Abstract: Methods and computer systems for controlling access to software features in a computing environment. Obtaining a plurality of electronic documents associated with an account, each particular electronic document in the plurality of electronic documents including a respective first data item in a first field and a respective second data item in a second field. Categorizing each respective first data item based on the corresponding respective second data item. Applying a scoring model to the respective first data items included in the plurality of electronic documents according to the categorizations to create a score. Unlocking a software feature associated with the account in response to determining that the score meets a threshold.Type: ApplicationFiled: March 23, 2022Publication date: October 5, 2023Applicant: The Toronto-Dominion BankInventors: Milos DUNJIC, David Samuel TAX, Kushank RASTOGI
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Publication number: 20230306400Abstract: A method may include: causing a point-of-sale terminal processing a transaction to display a machine-readable code, the machine-readable code encoding a web address; receiving a request from a device that scanned the machine-readable code, the request received at the web address; in response to receiving the request, causing the device that scanned the machine-readable code to output an interface; receiving, through the interface, an input of an indication to separate the transaction into multiple transaction parts and one or more parameters indicating how the transaction is to be separated; and sending, to the point-of-sale terminal, a message that configures the point-of-sale terminal to separate the transaction in accordance with the one or more parameters.Type: ApplicationFiled: April 25, 2023Publication date: September 28, 2023Applicant: The Toronto-Dominion BankInventors: David Samuel TAX, Milos DUNJIC, Derek Richard CASTELL, Anthony Haituyen NGUYEN, Bryan Michael GLEESON, Jeffrey Aaron ECKER
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Publication number: 20230306434Abstract: Systems and methods for reversing a transfer of a digital asset are described. A method may include storing a token, the token providing for one or more transfers from a second storage location to a first storage location; receiving notification of a first transfer from the first storage location to the second storage location; detecting the first transfer from the first storage location to the second storage location; receiving a request for a reversal of the first transfer; determining an eligibility of the request for the reversal of the first transfer; and responsive to determining the eligibility of the request for the reversal of the first transfer, performing the reversal of the first transfer by executing, using the token, an offsetting transfer from the second storage location to the first storage location.Type: ApplicationFiled: March 25, 2022Publication date: September 28, 2023Applicant: The Toronto-Dominion BankInventors: Milos DUNJIC, David Samuel TAX, Jonathan Joseph PRENDERGAST, Christopher Mark JONES, Vipul Kishore LALKA