Patents by Inventor Adam Douglas MCPHEE

Adam Douglas MCPHEE 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).

  • Publication number: 20220253843
    Abstract: A session data processing network includes a POS terminal and at least one computer server. The POS terminal is configured to establish a secure communications session with a communications appliance, receive session data from the communications appliance via the communications session, extract a ledger identifier and a token from the session data, transmit an authorization request message and a rewards request message to the server. The authorization request message includes the ledger identifier and an authorization value. The rewards request message includes the token and requests a reward of loyalty points to a secondary ledger associated with the token. The server is configured to receive the authorization request message and the loyalty rewards request message, confirm authorization of a transaction in an amount equal to the authorization value from an account associated with the ledger identifier, and transmit to the POS terminal an authorization response message confirming the authorization.
    Type: Application
    Filed: April 27, 2022
    Publication date: August 11, 2022
    Inventors: Bryan Michael Gleeson, Igor Elkhinovich, Jeffrey Aaron Ecker, Adam Douglas McPhee, Matta Wakim, Kyryll Odobetskiy, Dmitri Rabinovich, John Jong-Suk Lee, Arun Victor Jagga
  • Patent number: 11348103
    Abstract: An EMV-session data network includes a POS terminal and at least one computer server. The POS terminal is configured to receive ledger data and a cryptogram from a communications appliance, extract an account identifier from the ledger data, and transmit to the server an authorization request message that includes the account identifier, the authorization value and the cryptogram. The server is configured to transmit to the POS terminal an authorization response message that confirms that the cryptogram was generated by the communications appliance from the account identifier and the authorization value. The POS terminal is further configured to extract a token from the ledger data and to transmit to the server a loyalty rewards request message that includes the token. The server is further configured to initiate a points reward to an account that is associated with the token.
    Type: Grant
    Filed: June 15, 2018
    Date of Patent: May 31, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Bryan Michael Gleeson, Igor Elkhinovich, Jeffrey Aaron Ecker, Adam Douglas McPhee, Matta Wakim, Kyryll Odobetskiy, Dmitri Rabinovich, John Jong-Suk Lee, Arun Victor Jagga
  • Patent number: 11282137
    Abstract: A device has a secure element including a memory that stores at least one address, a set of rules, and a state of an asset. A processor is configured for receiving a request to change the state of the asset associated with the address, validating the request in the case where changing the state of the asset according to the request complies with the set of rules, and invalidating the request in the case where changing the state of the asset according to the request violates the set of rules. A communications module is coupled to the secure element for transmitting information responsive to the request to a distributed network of peer processors for recording a change in the state of the asset in a distributed electronic ledger in the case where the secure element validates the request.
    Type: Grant
    Filed: October 7, 2016
    Date of Patent: March 22, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Ian James McDonald, Adam Douglas McPhee, Perry Aaron Jones Haldenby, Paul Mon-Wah Chan, John Jong Suk Lee
  • Patent number: 11222316
    Abstract: An apparatus for use in a digital asset tracking system includes a storage device and a processor coupled to the storage device. The storage device stores software instructions for controlling the processor that when executed by the processor configure the processor to receive a signal representing a request comprising a first transfer from a first digital container associated with a first client to a second digital container associated with a second client. A value of the first transfer is compared to a total value in one or more accounts associated with the first client. At least one of the one or more accounts associated with the first client has a value in a first currency. A first draft is generated from a first account to an account associated with the second client. The first draft comprises a value in a second currency equivalent to the value of the first transfer.
    Type: Grant
    Filed: September 10, 2019
    Date of Patent: January 11, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Ian James McDonald, Adam Douglas McPhee, Perry Aaron Jones Haldenby, Paul Mon-Wah Chan, John Jong Suk Lee
  • Publication number: 20210359981
    Abstract: 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: Application
    Filed: July 21, 2021
    Publication date: November 18, 2021
    Inventors: 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
  • Publication number: 20210349948
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, automatically populate, in real-time, portions of digital interfaces based on dynamically generated contextual data. For example, a network-connected apparatus may receive, from a device, a portion of an identifier of a first counterparty to an exchange of data. The apparatus may perform operations determine a second counterparty to the data exchange based on at least one of a current geographic position of the first device, a first element of profile data associated with the first device, or the received portion of the first counterparty identifier, and may transmit an identifier of the second counterparty to the device. The device may execute an application program that presents the second counterparty identifier within a corresponding portion of an interface associated with the data exchange.
    Type: Application
    Filed: July 22, 2021
    Publication date: November 11, 2021
    Inventors: Robert Kyle MILLER, Sonja Torbica, Helene Nicole Esposito, Harrison Michael James Reilly, Matta Wakim, Kyryll Odobetskiy, Dexter Lamont Fichuk, Adam Douglas McPhee, Omas Abdullah
  • Patent number: 11127005
    Abstract: A clearing network includes a server, a POS terminal, and a computer network interconnecting the server and the POS terminal. The sever is configured to receive account numbers over the computer network, determine that an occurrence of one of the account numbers in the plurality of account numbers exceeds a maximum limit, and via the computer network update the pre-authorization database with the account number. The POS terminal is configured to receive a pre-authorization request that includes an authorization amount and the account number, query the pre-authorization database with the account number, and after locating the account number in the pre-authorization database from the query (a) confirm that the authorization amount is not greater than an authorization threshold, and (b) without generating an online authorization request, save in a clearing database an authorization confirmation message that includes the account number and the authorization amount.
    Type: Grant
    Filed: April 13, 2020
    Date of Patent: September 21, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Jeffrey Aaron Ecker, Bryan Michael Gleeson, Igor Elkhinovich, Dmitri Rabinovich, Adam Douglas McPhee, Matta Wakim, Kyryll Odobetskiy, Arun Victor Jagga, John Jong-Suk Lee, Rakesh Thomas Jethwa
  • Patent number: 11122113
    Abstract: A computer system for transferring value between database records includes a memory storing instructions that, when executed by a processor, cause the computer system to: receive configuration options for configuring a particular transfer of value between database records and specifying a graphical element to be provided upon completion of the transfer and an email address; send a request to a communications server including the email address for use as a destination for a communication indicating that the transfer has been initiated including an indication of an identifier for the transfer; store an indication of the graphical element in association with the identifier; receive a request to complete the transfer indicating the identifier; retrieve the indication of the graphical element based on the identifier; confirm the transfer; and send a reply indicating completion of the transfer including an indication of the retrieved indication of the graphical element.
    Type: Grant
    Filed: December 2, 2019
    Date of Patent: September 14, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Adam Douglas McPhee, Matta Wakim, Aaron Stuart, Arun Victor Jagga
  • Patent number: 11100168
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, automatically populate, in real-time, portions of digital interfaces based on dynamically generated contextual data. For example, a network-connected apparatus may receive, from a device, a portion of an identifier of a first counterparty to an exchange of data. The apparatus may perform operations determine a second counterparty to the data exchange based on at least one of a current geographic position of the first device, a first element of profile data associated with the first device, or the received portion of the first counterparty identifier, and may transmit an identifier of the second counterparty to the device. The device may execute an application program that presents the second counterparty identifier within a corresponding portion of an interface associated with the data exchange.
    Type: Grant
    Filed: July 17, 2018
    Date of Patent: August 24, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Robert Kyle Miller, Sonja Torbica, Helene Nicole Esposito, Harrison Michael James Reilly, Matta Wakim, Kyryll Odobetskiy, Dexter Lamont Fichuk, Adam Douglas McPhee, Omas Abdullah
  • Patent number: 11102180
    Abstract: 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: Grant
    Filed: January 31, 2018
    Date of Patent: August 24, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: 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
  • Publication number: 20210141844
    Abstract: A data set integration system receives a first data set that includes a user identifier and a message type code. The integration system locates an object profile that is associated with the terminal identifier in a data repository. The located object profile includes a tracking identifier and a counter value. The integration system updates the counter value in the object profile in accordance with a value of the message type code. The integration system updates receives a second data set from a communications device. The second data set includes the tracking identifier. The integration system locates the counter value in the object profile that is associated with the tracking identifier, and transmits to the communications device a data payload that includes the updated counter value.
    Type: Application
    Filed: January 22, 2021
    Publication date: May 13, 2021
    Inventors: Jeffrey Aaron Ecker, Bryan Michael Gleeson, Adam Douglas McPhee, Matta Wakim, Kyryll Odobetskiy, Arun Victor Jagga, John Jong-Suk Lee, Rakesh Thomas Jethwa
  • Publication number: 20210133706
    Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that, among other things, automatically generate and populate digital interfaces based on adaptively processed image data captured by a network-connected device operating within a computing environment. For example, an apparatus may receive, from a device, a first signal that includes image data identifying a document associated with a data exchange capable of initiation by the device. The apparatus may detect, within a first portion of the image data, a presence of first textual content associated with a first parameter of the data exchange, extract a first value characterizing the first parameter from the first textual content, and generate and transmit a second signal that includes the first value to the device. The second signal includes information that instructs the device to display the first value within a portion of an interface corresponding to the first parameter.
    Type: Application
    Filed: January 7, 2021
    Publication date: May 6, 2021
    Inventors: Robert Kyle Miller, Sonja Torbica, Helene Nicole Esposito, Harrison Michael James Reilly, Matta Wakim, Kyryll Odobetskiy, Dexter Lamont Fichuk, Adam Douglas Mcphee, Omas Abdullah, Patrick Jian Hong Hum
  • Publication number: 20210133723
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data based on tokenized data characterized by a limited temporal or geographic validity. For example, an apparatus may receive a first signal that includes first information identifying a first geographic position of a client device. The apparatus may also obtain a digital token representative of a pre-authorization of a data exchange between the client device and a terminal device during a corresponding temporal interval. The terminal device may, for example, be disposed within a geographic region that includes the first geographic position of the client device. The apparatus may generate and transmit a second signal that includes the digital token to the client device. In some examples, the apparatus may transmit the second signal being through a programmatic interface associated with an application program executed by the client device.
    Type: Application
    Filed: January 13, 2021
    Publication date: May 6, 2021
    Inventors: DINO 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
  • Publication number: 20210112131
    Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that dynamically generate and provision contextually relevant notifications to network-connected devices. For example, an apparatus receives a first signal that includes information indicative of an authorized data exchange involving a terminal device and a client device. The apparatus identifies and loads data specifying a notification template from the storage unit, and generates notification data that is populated with a portion of the received information in accordance with the notification template. The apparatus further transmits a second signal that includes the notification data to the client device. In some instances, the second signal is transmitted through a programmatic interface associated with an application program executed by the client device, and the client device is configured to display the notification data on a corresponding interface.
    Type: Application
    Filed: December 21, 2020
    Publication date: April 15, 2021
    Inventors: Adam Douglas MCPHEE, Matta WAKIM, Kyryll ODOBETSKIY, John Jong-Suk LEE, Arun Victor JAGGA
  • Publication number: 20210058404
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data in real-time based on dynamically generated tokenized data. For example, an apparatus may receive first positional data identifying a first geographic position of a client device and based on the first positional data, the apparatus may determine a value of a parameter characterizing an exchange of data between the client device and a terminal device disposed proximate to the client device during a temporal interval. The apparatus may transmit data requesting a pre-authorization of the data exchange to a computing system, which perform operations that pre-authorize the data exchange in accordance with the parameter value and transmit a digital token representative of the pre-authorized data exchange to the terminal device. The digital token may be valid during the temporal interval and may include a cryptogram associated with the client device.
    Type: Application
    Filed: November 9, 2020
    Publication date: February 25, 2021
    Inventors: Dino D'AGOSTINO, Perry Aaron Jones HALDENBY, Dean TSERETOPOULOS, Jeffrey ECKER, Adam Douglas MCPHEE, Milos DUNJIC, John Jong-Suk LEE, Arun Victor JAGGA
  • Patent number: 10929484
    Abstract: A data set integration system receives a data set that includes a user identifier and a message type code. The integration system selects a terminal profile from a profile database. The selected terminal profile is associated with the user identifier and includes a tracking identifier. The integration system locates the tracking identifier in the selected terminal profile. The integration system selects an object profile from a data repository. The selected object profile is associated with the located tracking identifier and includes the located tracking identifier and an associated counter. The integration system updates the counter in the selected object profile in accordance with a value of the message type code.
    Type: Grant
    Filed: October 5, 2017
    Date of Patent: February 23, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Jeffrey Aaron Ecker, Bryan Michael Gleeson, Adam Douglas McPhee, Matta Wakim, Kyryll Odobetskiy, John John-Suk Lee, Rakesh Thomas Jethwa, Arun Victor Jagga
  • Patent number: 10922673
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data based on tokenized data characterized by a limited temporal or geographic validity. For example, an apparatus may receive a first signal that includes first information identifying a first geographic position of a client device. The apparatus may also obtain a digital token representative of a pre-authorization of a data exchange between the client device and a terminal device during a corresponding temporal interval. The terminal device may, for example, be disposed within a geographic region that includes the first geographic position of the client device. The apparatus may generate and transmit a second signal that includes the digital token to the client device. In some examples, the apparatus may transmit the second signal being through a programmatic interface associated with an application program executed by the client device.
    Type: Grant
    Filed: February 9, 2018
    Date of Patent: February 16, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Dino 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
  • Patent number: 10922665
    Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that, among other things, automatically generate and populate digital interfaces based on adaptively processed image data captured by a network-connected device operating within a computing environment. For example, an apparatus may receive, from a device, a first signal that includes image data identifying a document associated with a data exchange capable of initiation by the device. The apparatus may detect, within a first portion of the image data, a presence of first textual content associated with a first parameter of the data exchange, extract a first value characterizing the first parameter from the first textual content, and generate and transmit a second signal that includes the first value to the device. The second signal includes information that instructs the device to display the first value within a portion of an interface corresponding to the first parameter.
    Type: Grant
    Filed: June 27, 2018
    Date of Patent: February 16, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Robert Kyle Miller, Sonja Torbica, Helene Nicole Esposito, Harrison Michael James Reilly, Matta Wakim, Kyryll Odobetskiy, Dexter Lamont Fichuk, Adam Douglas McPhee, Omas Abdullah, Patrick Jian Hong Hum
  • Patent number: 10904349
    Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that dynamically generate and provision contextually relevant notifications to network-connected devices. For example, an apparatus receives a first signal that includes information indicative of an authorized data exchange involving a terminal device and a client device. The apparatus identifies and loads data specifying a notification template from the storage unit, and generates notification data that is populated with a portion of the received information in accordance with the notification template. The apparatus further transmits a second signal that includes the notification data to the client device. In some instances, the second signal is transmitted through a programmatic interface associated with an application program executed by the client device, and the client device is configured to display the notification data on a corresponding interface.
    Type: Grant
    Filed: October 5, 2017
    Date of Patent: January 26, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Adam Douglas McPhee, Matta Wakim, Kyryll Odobetskiy, John Jong-Suk Lee, Arun Victor Jagga
  • Patent number: 10862897
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data in real-time based on dynamically generated tokenized data. For example, an apparatus may receive first positional data identifying a first geographic position of a client device and based on the first positional data, the apparatus may determine a value of a parameter characterizing an exchange of data between the client device and a terminal device disposed proximate to the client device during a temporal interval. The apparatus may transmit data requesting a pre-authorization of the data exchange to a computing system, which perform operations that pre-authorize the data exchange in accordance with the parameter value and transmit a digital token representative of the pre-authorized data exchange to the terminal device. The digital token may be valid during the temporal interval and may include a cryptogram associated with the client device.
    Type: Grant
    Filed: April 5, 2018
    Date of Patent: December 8, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Dino D'Agostino, Perry Aaron Jones Haldenby, Dean Tseretopoulos, Jeffrey Ecker, Adam Douglas McPhee, Milos Dunjic, John Jong-Suk Lee, Arun Victor Jagga