Patents by Inventor Arthur Carroll Chow

Arthur Carroll Chow 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).

  • Patent number: 11120165
    Abstract: A computer system and method for managing a data request interface. The system includes a memory associated with the data request interface and coupled to a processor. The memory includes processor-executable instructions of the method for managing the data request interface. The method includes: receiving, from a first client device, a first signal including a primary authorization credential associated with a data record and a second signal including a request to generate an alternate authorization credential for use by a software module. The alternate authorization credential is associated with data retrieval constraints. The method includes generating the alternate authorization credential and configuring the data request interface to impose the data retrieval constraints for constraining data operations on the data record upon receipt of the alternate authorization credential.
    Type: Grant
    Filed: April 27, 2018
    Date of Patent: September 14, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, David Samuel Tax, Arthur Carroll Chow, Peter Glen Nairn, Edward James Hood, Martin Albert Lozon, John Jong-Suk Lee, Arun Victor Jagga
  • Patent number: 11107050
    Abstract: The disclosed embodiments include computer-implemented systems and processes that facilitate an initiation and a performance of one or more trustless transactions between counterparty devices operating within a trusted, secure computer-networking environment. For example, an apparatus may receive, through a touchscreen display unit, first data that identifies a session identifier associated with a transaction session, and may determine a validity of the session identifier based on the received first data. The apparatus may establish the transaction session in response to the determined validity of the session identifier. The transaction session may be associated with first and second operations characterized by values of corresponding parameters.
    Type: Grant
    Filed: November 11, 2016
    Date of Patent: August 31, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Stephen John McCann, Perry Aaron Jones Haldenby, Arthur Carroll Chow, Eddie Cheuk Long Law, Haituyen Anthony Nguyen, Paul Mon-Wah Chan, John Jong Suk Lee, Rakesh Thomas Jethwa
  • Patent number: 11108762
    Abstract: A method for regulating access to a protected resource is disclosed. The method includes: receiving, via the 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 client identifier uniquely identifying the client application; an authorization code for authorizing the client application's access of the protected resource; and a public key associated with the end user; and in response to validating the request: encrypting the authorization code 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 an access token for accessing the protected resource and the first code.
    Type: Grant
    Filed: February 22, 2019
    Date of Patent: August 31, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: 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
  • Patent number: 11102303
    Abstract: The disclosed embodiments include computer-implemented systems and processes that perform operations consistent with services provisioned to a device based on real-time sensor data indicative of and characterizing a user's operation of the device and additionally or alternatively, a system or apparatus that includes the device. For example, the device may obtain stored data identifying a provisioned service, and may obtain sensor data captured by an on-board or external sensor during an operation of the device. Based on the sensor data, the device may generate a usage parameter that characterizes the operation of the device during a temporal period, and perform an operation consistent with the provisioned service in accordance with the generated usage parameter.
    Type: Grant
    Filed: October 29, 2019
    Date of Patent: August 24, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Arthur Carroll Chow, Paul Mon-Wah Chan, Perry Aaron Jones Haldenby, Rakesh Thomas Jethwa, Eddie Cheuk Long Law, John Jong Suk Lee, Stephen John McCann, Haituyen Anthony Nguyen
  • Patent number: 11093649
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that manage cryptographically secure exchanges of data using a permissioned distributed ledger. For example, an apparatus obtains parameter values characterizing an exchange of data and transmits the parameter values to a first computing system, which executed instructions included within a distributed ledger. The executed additional instructions cause the first computing system to access rules data recorded onto the distributed ledger and establish a consistency between the parameter values and at least a portion of the accessed rules data. The apparatus receives, from the first computing system, confirmation data indicative of the established consistency, and based on the confirmation data, transmit a request to execute the data exchange in accordance with at least the portion of the parameter values to a second computing system.
    Type: Grant
    Filed: February 28, 2019
    Date of Patent: August 17, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, Arthur Carroll Chow, David Samuel Tax, Armon Rouhani, Asad Joheb, Sara Hatherly, Keith Sanjay Ajmani, Lionel Johnson, Yubing Liu
  • Patent number: 11087314
    Abstract: 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: Grant
    Filed: September 26, 2018
    Date of Patent: August 10, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: 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
  • Publication number: 20210240778
    Abstract: Systems and methods are provided that use a trained process to reply to a request comprising query data defining a query and context data defining contextual factors for the query from a device. The query is answered by one or more selected APIs of a plurality of APIs that invoke respective services to prepare a response. The trained process determines an execution plan responsive to the query data and the context data and is configured using training to define execution plans comprising selected APIs where a particular API is selected for the plan if it answers at least a portion of the query and the selected APIs together prepare the response optimized for the device according to the context data. The plan is provided to an execution component to execute the plan using the selected APIs and send the response to the requesting device.
    Type: Application
    Filed: April 23, 2021
    Publication date: August 5, 2021
    Inventors: Milos DUNJIC, Martin Albert LOZON, David Samuel TAX, Arthur Carroll CHOW, Peter Glen NAIRN, Edward James HOOD, John Jong-Suk LEE, Arun Victor JAGGA
  • Patent number: 11062312
    Abstract: The disclosure generally describes computer-implemented methods, software, and systems, including a method for placing a card into a usable state. A biometric input is received for a user to which a card has been issued by an entity. The card has an operational mode of an unusable state that has been previously identified by the entity for a particular PAN. The particular PAN is invalidated for use in further data exchanges using the card. The biometric input is received by an electronic controller embedded in the card. A determination is made that the biometric input matches one of one or more stored biometric profiles of users authorized to use the card. Based on the determining, a new PAN is activated for the card. The new PAN is usable in further data exchanges of the card. The operational mode of the card is modified to a usable state by the electronic controller.
    Type: Grant
    Filed: July 14, 2017
    Date of Patent: July 13, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, Perry Aaron Jones Haldenby, Arthur Carroll Chow, Het Anand Patel, Casey Lyn Doyle, Yubing Liu, Anthony Haituyen Nguyen
  • Publication number: 20210176244
    Abstract: The disclosed exemplary embodiments include computer-implemented devices, apparatuses, and processes that, among other things, perform dynamic biometric authentication based on distributed ledger data. For example, a device may compute a first hash value based on first biometric data captured by a sensor unit, and may transmit a request to, and receive a response from, a computing system across a communications network via the communications unit. The request may cause the computing system to execute instructions maintained within the distributed ledger data, and to extract second biometric data maintained within an element of the distributed ledger data. The second biometric data may include a second hash, which the computing system may incorporate into the response. The device may authenticate an identity associated with the device when the first hash value corresponds to the second hash value incorporated within the response.
    Type: Application
    Filed: February 22, 2021
    Publication date: June 10, 2021
    Inventors: Arthur Carroll Chow, Anthony Haituyen Nguyen, Perry Aaron Jones Haldenby, Milos Dunjic, David Tax, John Jong-Suk Lee, Arun Victor Jagga
  • Publication number: 20210174362
    Abstract: Computer-implemented methods and systems reliant on establishing a common session key between an electronic device and a computer server are disclosed. The method and systems may be for processing de-tokenization requests in payment transaction processing and for preparing an electronic device to perform payment transactions. During such a transaction, the server may perform a method that includes receiving a de-tokenization request including a payment token and a cryptogram generated by the electronic device using a session key generated by the electronic device based on a fingerprint of the electronic device, a secret value previously shared with the electronic device, the payment token, and a transaction counter; retrieving the fingerprint, the secret value, and the transaction counter and generating the session key based on the same; verifying the cryptogram using the session key; retrieving an associated account number; and sending response to the request including the account number.
    Type: Application
    Filed: February 18, 2021
    Publication date: June 10, 2021
    Applicant: The Toronto-Dominion Bank
    Inventors: Milos DUNJIC, Perry Aaron Jones HALDENBY, Arthur Carroll CHOW, Anthony Haituyen NGUYEN, Het Anand PATEL, Casey Lyn DOYLE, Yubing LIU, John Jong-Suk LEE, David Samuel TAX, Arun Victor JAGGA
  • Patent number: 11032086
    Abstract: An apparatus for use in a digital messaging system includes a storage device and a processor coupled to the storage device. The storage device storing software instructions for controlling the processor that when executed by the processor configured the processor to: generate a master private and public key pair; associate the master private and public key pair with a first certificate; and derive at least one domain-specific key from the one of the master private and public key pair. The first certificate is registered to a group comprising a plurality of domains. The domain-specific key is associated with one of the plurality of domains.
    Type: Grant
    Filed: March 20, 2019
    Date of Patent: June 8, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Perry Aaron Jones Haldenby, Arthur Carroll Chow, Paul Mon-Wah Chan, John Jong Suk Lee, Linda Tao
  • Patent number: 11017028
    Abstract: Systems and methods are provided that use a trained process to reply to a request comprising query data defining a query and context data defining contextual factors for the query from a device. The query is answered by one or more selected APIs of a plurality of APIs that invoke respective services to prepare a response. The trained process determines an execution plan responsive to the query data and the context data and is configured using training to define execution plans comprising selected APIs where a particular API is selected for the plan if it answers at least a portion of the query and the selected APIs together prepare the response optimized for the device according to the context data. The plan is provided to an execution component to execute the plan using the selected APIs and send the response to the requesting device.
    Type: Grant
    Filed: October 3, 2018
    Date of Patent: May 25, 2021
    Assignee: THE TORONTO-DOMINION BANK
    Inventors: Milos Dunjic, Martin Albert Lozon, David Samuel Tax, Arthur Carroll Chow, Peter Glen Nairn, Edward James Hood, John Jong-Suk Lee, Arun Victor Jagga
  • Publication number: 20210103980
    Abstract: In an aspect, the present application describes a method including: identifying, from a set of accounts each having a transfer listing that includes a plurality of transfers with a first counterparty, a first rule; identifying, for a first account not included in the set of accounts, an initial transfer with the first counterparty; identifying one or more projected future transfers for first account based on a date associated with the initial transfer and the first rule; detecting one or more further transfers with the first counterparty from the transfer listing for the first account; determining, based on the one or more further transfers and the initial transfer, that a second rule matches a pattern defined by the further transfers and the initial transfers better than the first rule; and providing a notification to a client device associated with the first account based on the second rule.
    Type: Application
    Filed: October 4, 2019
    Publication date: April 8, 2021
    Applicant: The Toronto-Dominion Bank
    Inventors: Sangeeta MATHEW, Darius BRAZIUNAS, Arthur Carroll CHOW, Ling TAO, Arun Victor JAGGA
  • Publication number: 20210103979
    Abstract: In an aspect, the present application describes a method including: obtaining account data associated with an account; passing at least some of the account data through a non-sufficient funds classifier, the non-sufficient funds classifier being a machine learning classifier configured to classify the account as either likely to have a non-sufficient funds event or unlikely to have a non-sufficient funds event, the machine learning classifier configured to evaluate a plurality of parameters associated with the account data; in response to determining that the account is likely to have a non-sufficient funds event, forecasting a balance for the account, wherein forecasting the balance for the account includes; and providing, to a client device associated with the account, a notification based on a forecasted balance.
    Type: Application
    Filed: October 4, 2019
    Publication date: April 8, 2021
    Applicant: The Toronto-Dominion Bank
    Inventors: Sangeeta MATHEW, Darius BRAZIUNAS, Arthur Carroll CHOW, Ling TAO, Arun Victor JAGGA
  • Publication number: 20210103908
    Abstract: In an aspect, the present application describes a computer-implemented method including: storing a set of candidate rules, the set of candidate rules defining payment cycles; identifying, from a transaction history for an account, an actual set of transfers made to a first recipient; identifying a first reference transfer from the actual set of transfers; for each of at least a plurality of candidate rules in the set of candidate rules, identifying, based on the first reference transfer, an expected set of transfers for that candidate rule; identifying one of the candidate rules as a closest rule for the actual set of transfers; identifying a future expected transfer based on the identified one of the candidate rules; and providing a notification to a client device associated with the account of the future expected transfer.
    Type: Application
    Filed: October 4, 2019
    Publication date: April 8, 2021
    Applicant: The Toronto-Dominion Bank
    Inventors: Sangeeta MATHEW, Darius BRAZIUNAS, Arthur Carroll CHOW, Ling TAO, Arun Victor JAGGA
  • Publication number: 20210098002
    Abstract: A system, device and method for enforcing privacy during a communication session with a voice assistant are disclosed. In response to a determination that an environment of a first voice assistant device is not private, a first secure communication session between the first voice assistant device and an application server is suspended. In response a determination that one or more other voice assistant devices have been authorized for communication with the application server is made and input to transfer the first secure communication session, a second secure communication session between a second voice assistant device and the application server is initiated. The first secure communication session between the first voice assistant device and the application server is terminated in response to successful initiation of the second secure communication session.
    Type: Application
    Filed: October 5, 2020
    Publication date: April 1, 2021
    Applicant: The Toronto-Dominion Bank
    Inventors: Milos DUNJIC, David Samuel TAX, Arthur Carroll CHOW, Peter Glen NAIRN, Edward James HOOD, Martin Albert LOZON, John Jong-Suk LEE, Arun Victor JAGGA
  • Publication number: 20210089658
    Abstract: A method for evaluating security of third-party application is disclosed. The method includes: launching, in an automated test environment, a test instance of a first application; detecting at least one data retrieval operation by the first application of retrieving data from a protected data resource; for each of the at least one data retrieval operation, identifying an application state of the first application at a time of detecting the at least one data retrieval operation; determining a data access pattern for the first application of accessing the protected data resource based on the at least one data retrieval operation and application states of the first application associated with the at least one data retrieval operation; and presenting the data access pattern for the first application on a client device associated with a user.
    Type: Application
    Filed: September 23, 2019
    Publication date: March 25, 2021
    Applicant: The Toronto-Dominion Bank
    Inventors: Milos DUNJIC, David Samuel TAX, Arthur Carroll CHOW, Anthony Haituyen NGUYEN
  • Patent number: 10956905
    Abstract: Computer-implemented methods and systems reliant on establishing a common session key between an electronic device and a computer server are disclosed. The method and systems may be for processing de-tokenization requests in payment transaction processing and for preparing an electronic device to perform payment transactions. During such a transaction, the server may perform a method that includes receiving a de-tokenization request including a payment token and a cryptogram generated by the electronic device using a session key generated by the electronic device based on a fingerprint of the electronic device, a secret value previously shared with the electronic device, the payment token, and a transaction counter; retrieving the fingerprint, the secret value, and the transaction counter and generating the session key based on the same; verifying the cryptogram using the session key; retrieving an associated account number; and sending response to the request including the account number.
    Type: Grant
    Filed: October 5, 2017
    Date of Patent: March 23, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, Perry Aaron Jones Haldenby, Arthur Carroll Chow, Anthony Haituyen Nguyen, Het Anand Patel, Casey Lyn Doyle, Yubing Liu, John Jong-Suk Lee, David Samuel Tax, Arun Victor Jagga
  • Patent number: 10958642
    Abstract: The disclosed exemplary embodiments include computer-implemented devices, apparatuses, and processes that, among other things, perform dynamic biometric authentication based on distributed ledger data. For example, a device may compute a first hash value based on first biometric data captured by a sensor unit, and may transmit a request to, and receive a response from, a computing system across a communications network via the communications unit. The request may cause the computing system to execute instructions maintained within the distributed ledger data, and to extract second biometric data maintained within an element of the distributed ledger data. The second biometric data may include a second hash, which the computing system may incorporate into the response. The device may authenticate an identity associated with the device when the first hash value corresponds to the second hash value incorporated within the response.
    Type: Grant
    Filed: April 5, 2018
    Date of Patent: March 23, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Arthur Carroll Chow, Anthony Haituyen Nguyen, Perry Aaron Jones Haldenby, Milos Dunjic, David Tax, John Jong-Suk Lee, Arun Victor Jagga
  • Publication number: 20210084022
    Abstract: An electronic device is disclosed. The electronic device includes a memory, a camera module, a communications module, and a processor that is configured to: receive, from the camera module, image data associated with a machine-readable optical label, the optical label encoding transaction details of a transfer of data to a recipient account, wherein the transaction details do not indicate an identity of the recipient account; receive a user input indicating authorization to initiate a transfer of data, via a protected resource, from an account associated with the user to the recipient account; and in response to receiving the user input, generate a request for initiating the transfer of data based on the transaction details, the request including an access token for use in authenticating the user on requests to access the protected resource.
    Type: Application
    Filed: November 25, 2020
    Publication date: March 18, 2021
    Applicant: The Toronto-Dominion Bank
    Inventors: 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