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).
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Publication number: 20240126575Abstract: 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: ApplicationFiled: December 26, 2023Publication date: April 18, 2024Inventors: Alexander KIRIAKOU, Milos Dunjic, Arthur Carroll Chow, John Jong-Suk Lee, Arun Victor Jagga
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Patent number: 11947678Abstract: A method for evaluating security of third-party applications includes: launching, in an automated test environment, a test instance of a first application; determining a data access pattern for the first application of accessing a protected remote server based on detecting data retrieval operations of retrieving data from the protected remote server by the test instance and determining application states of the first application associated with the detected data retrieval operations; and providing the data access pattern for the first application on a client device.Type: GrantFiled: July 20, 2022Date of Patent: April 2, 2024Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, David Samuel Tax, Arthur Carroll Chow, Anthony Haituyen Nguyen
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Publication number: 20240106789Abstract: A computer-implemented method is disclosed. The method includes: detecting a trigger condition associated with a data record based on monitoring data record operations in connection with the data record; in response to detecting the trigger condition, generating a first message object for the data record, the first message object being associated with at least one compatible access channel; storing the first message object in a memory, the first message object being stored in association with a set of one or more message objects for the data record, wherein the first set defines an order for the one or more message objects; detecting a data record operation via a first access channel; retrieving, from the memory, at least one message object of the set that is associated with the first access channel; and causing the at least one message object to be delivered via the first access channel.Type: ApplicationFiled: December 4, 2023Publication date: March 28, 2024Applicant: The Toronto-Dominion BankInventors: Arthur Carroll CHOW, Tae Gyun MOON, Sangeeta MATHEW, Darius BRAZIUNAS, Dino Paul D'AGOSTINO
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Publication number: 20240097915Abstract: The disclosed embodiments include computer-implemented processes that, using a distributed notarized ledger, constrain an ability of multiple parties to simultaneously, or near simultaneously, update or modify elements of reference data maintained within a centralized data store. For example, an apparatus may receive, from a first computing system, a request to modify reference data maintained at a second computing system. The apparatus may approve the first requested modification to the reference data based on a notarization criterion maintained within an element of a notarized distributed ledger, and perform operations that record notarization data characterizing the approved modification within an additional element of the notarized distributed ledger. The apparatus may also transmit the notarization data to the first computing system, and the notarization data causing an application program executed by the first computing system to modify local reference data in accordance with the notarization data.Type: ApplicationFiled: November 24, 2023Publication date: March 21, 2024Inventors: Timothy Willem UBBENS, Arthur Carroll CHOW, Sidharth Kumar VARMA, James Thomas HENSLEY, Alexey SHPUROV
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Patent number: 11935025Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that perform a real-time delegated approval of initiated data exchanges by network-connected devices. For example, an apparatus determines determine a value of a parameter that characterizes an exchange of data and a first data type involved in the data exchange, and generates and transmits a first signal to a communications device associated with a second data type available for use in the data exchange and associated with the first data type. The apparatus receives, from the communications device, a second signal that includes information indicative of an approval of the second data type for use in the data exchange, and in response to the received approval, the apparatus performs the data exchange using the second data type and in accordance with the parameter value.Type: GrantFiled: August 11, 2021Date of Patent: March 19, 2024Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, Perry Aaron Jones Haldenby, Arthur Carroll Chow, David Samuel Tax, John Jong-Suk Lee, Arun Victor Jagga
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Patent number: 11928112Abstract: 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: GrantFiled: April 23, 2021Date of Patent: March 12, 2024Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, Martin Albert Lozon, David Samuel Tax, Arthur Carroll Chow, Peter Glen Nairn, Edward James Hood, John Jong-Suk Lee, Arun Victor Jagga
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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: 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: 11882222Abstract: The disclosed embodiments include computer-implemented processes that, using a distributed notarized ledger, constrain an ability of multiple parties to simultaneously, or near simultaneously, update or modify elements of reference data maintained within a centralized data store. For example, an apparatus may receive, from a first computing system, a request to modify reference data maintained at a second computing system. The apparatus may approve the first requested modification to the reference data based on a notarization criterion maintained within an element of a notarized distributed ledger, and perform operations that record notarization data characterizing the approved modification within an additional element of the notarized distributed ledger. The apparatus may also transmit the notarization data to the first computing system, and the notarization data causing an application program executed by the first computing system to modify local reference data in accordance with the notarization data.Type: GrantFiled: September 25, 2020Date of Patent: January 23, 2024Assignee: The Toronto-Dominion BankInventors: Timothy Willem Ubbens, Arthur Carroll Chow, Sidharth Kumar Varma, James Thomas Hensley, Alexey Shpurov
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Patent number: 11876772Abstract: A computer-implemented method is disclosed.Type: GrantFiled: February 17, 2021Date of Patent: January 16, 2024Assignee: The Toronto-Dominion BankInventors: Arthur Carroll Chow, Tae Gyun Moon, Sangeeta Mathew, Darius Braziunas, Dino Paul D'Agostino
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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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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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Patent number: 11769148Abstract: 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: GrantFiled: February 18, 2021Date of Patent: September 26, 2023Assignee: The Toronto-Dominion BankInventors: 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
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Patent number: 11762527Abstract: A computer system provides a user interface efficient in its use of screen space allowing values to be provided for attributes. The computer system comprises a processor and a display, an input interface, and a memory coupled to the processor. The memory stores instructions that, when executed by the processor, cause the computer system to: display, within a first region of the display, a plurality of icons corresponding to a plurality of attributes; receive, via the input interface, input corresponding to a drag-and-drop operation wherein a particular one of the plurality of icons is dragged to and then dropped at a drop position within a second region of the display; and assign a value to an attribute corresponding to the particular one of the plurality of icons based on a location of the drop position within the second region. Related methods and computer-readable media are also disclosed.Type: GrantFiled: October 5, 2020Date of Patent: September 19, 2023Assignee: The Toronto-Dominion BankInventors: 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
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Publication number: 20230291571Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, apparatuses, and processes that dynamically implement and manage consent and permissioning protocols using container-based applications. By way of example, a device may receive, through a programmatic interface, a first request for an element of data generated by an executed application program. When the first request is consistent with consent data associated the executed application program, the device may obtain the requested data element and a digital signature applied to the requested data element by a computing system. Based on a verification of the applied digital signature, the device may generate and present a representation of the requested data element within a digital interface, along with an interface element that confirms the verification of the digital signature.Type: ApplicationFiled: May 11, 2023Publication date: September 14, 2023Inventors: Milos DUNJIC, Arthur Carroll CHOW, David Samuel TAX, Armon ROUHANI, Keith Sanjay AJMANI, Gregory Albert KLIEWER, Anthony Haituyen NGUYEN, Martin Albert LOZON, Kareem EL-ONSI, Ashkan ALAVI-HARATI, Arun Victor JAGGA
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Patent number: 11755783Abstract: 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: GrantFiled: June 22, 2021Date of Patent: September 12, 2023Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, Arthur Carroll Chow, David Samuel Tax, Armon Rouhani, Asad Joheb, Sara Hatherly, Keith Sanjay Ajmani, Lionel Johnson, Yubing Liu
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Patent number: 11711362Abstract: 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: GrantFiled: February 22, 2021Date of Patent: July 25, 2023Assignee: The Toronto-Dominion BankInventors: Arthur Carroll Chow, Anthony Haituyen Nguyen, Perry Aaron Jones Haldenby, Milos Dunjic, David Tax, John Jong-Suk Lee, Arun Victor Jagga
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Patent number: 11689370Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, apparatuses, and processes that dynamically implement and manage consent and permissioning protocols using container-based applications. By way of example, a device may receive, through a programmatic interface, a first request for an element of data generated by an executed application program. When the first request is consistent with consent data associated the executed application program, the device may obtain the requested data element and a digital signature applied to the requested data element by a computing system. Based on a verification of the applied digital signature, the device may generate and present a representation of the requested data element within a digital interface, along with an interface element that confirms the verification of the digital signature.Type: GrantFiled: June 4, 2019Date of Patent: June 27, 2023Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, Arthur Carroll Chow, David Samuel Tax, Armon Rouhani, Keith Sanjay Ajmani, Gregory Albert Kliewer, Anthony Haituyen Nguyen, Martin Albert Lozon, Kareem El-Onsi, Ashkan Alavi-Harati, Arun Victor Jagga
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Publication number: 20230177503Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that monitor and reconcile indirectly initiated exchanges of data between network-connected devices and computing systems using a permissioned distributed ledger. For example, an apparatus may obtain and transmit first transaction information characterizing a data exchange to a first computing system. The first computing system may submit a portion of the first transaction information to a second computing system through a programmatic interface inaccessible to the apparatus, and the second computing system may execute the data exchange in accordance with at least the portion of the first transaction information.Type: ApplicationFiled: February 3, 2023Publication date: June 8, 2023Inventors: Milos DUNJIC, Arthur Carroll Chow, David Samuel TAX, Armon Rouhani, Asad Joheb, Sara Hatherly, Keith Sanjay Ajmani, Lionel Johnson, Yubing Liu
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Patent number: 11651100Abstract: A system, device and method for enforcing privacy during a communication session with a voice assistant are disclosed. Periodically during the communication session with the voice assistant, sensor data is acquired. The sensor data is processed to determine a number of persons present in an environment of the voice assistant. The communication of private data by the voice assistant is enabled when one person is in the environment and that person is the authorized user. The communication of private data by the voice assistant is disabled when one person is in the environment and that person is not the authorized user. When more than one person is present in the environment of the voice assistant, the communication of private data by the voice assistant may be enabled when the environment of the voice assistant is determined to match the one or more predetermined privacy criteria for a multi-person environment.Type: GrantFiled: June 17, 2020Date of Patent: May 16, 2023Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, David Samuel Tax, Arthur Carroll Chow, Peter Glen Nairn, Edward James Hood, Martin Albert Lozon, John Jong-Suk Lee, Arun Victor Jagga