Patents by Inventor John Jong-Suk Lee

John Jong-Suk Lee 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: 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
  • Patent number: 10943605
    Abstract: The present disclosure involves systems, software, and computer implemented methods for personalizing interactions within a conversational interface based on an input context. One example system performs operations including receiving a conversational input received via a conversational interface. The conversational input is analyzed to determine an intent and lexical personality score based on the input's characteristics. A set of responsive content is determined and includes a set of initial tokens representing an initial response. A set of synonym tokens associated with at least some of the initial tokens are identified, and at least one synonym token associated with a similar lexical personality score to the input is determined. At least one of the initial tokens are replaced with the determined synonym token to generate a modified version of the set of response content. The modified version of the response is then transmitted to a device in response to the input.
    Type: Grant
    Filed: September 13, 2019
    Date of Patent: March 9, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Dean C. N. Tseretopoulos, Robert Alexander McCarter, Sarabjit Singh Walia, Vipul Kishore Lalka, Nadia Moretti, Paige Elyse Dickie, Denny Devasia Kuruvilla, Milos Dunjic, Dino Paul D'Agostino, Arun Victor Jagga, John Jong-Suk Lee, Rakesh Thomas Jethwa
  • Patent number: 10936755
    Abstract: Methods and devices for generated and handling an alert are described. In one aspect, an electronic device includes an input interface and an output interface. The electronic device also includes a memory storing an application and a processor coupled to the input interface, the output interface and the memory. The processor is configured to generate a selectable alert on the output interface while the electronic device is in a device lock mode. The selectable alert is associated with the secure application. The processor is also configured to, while the electronic device is in the device lock mode, receive, from the input interface, a signal representing a command to activate the selectable alert. The processor is also configured to, responsive to receiving the command to activate the selectable alert, execute a secure event in the secure application while the electronic device remains in the device lock mode.
    Type: Grant
    Filed: August 1, 2019
    Date of Patent: March 2, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Dean C. N. Tseretopoulos, Gregory Richard Harper, Sarabjit Singh Walia, Sarir Nasim, Diane Lee, John Jong-Suk Lee, John William Thomas, Richard Thomas, Simona Heath
  • Patent number: 10938700
    Abstract: The present disclosure involves systems and computer implemented methods for implementing a resource allocation. One example method is performed by identifying a resource allocation associated with the device hub, the resource allocation defining an expected resource usage associated with a connected device and a non-connected device. Resource usage information associated with the connected device is monitored, where usage information associated with the non-connected device is calculated based on a difference between a total resource usage identified by the device hub and the resource usage information associated with the connected device. The resource usage information is compared to the resource allocation, and in response to the comparison and a determination that the non-connected device exceeded the resource allocation associated with the non-connected device, an adjustment in operation for the connected device associated with the device hub is calculated.
    Type: Grant
    Filed: May 11, 2016
    Date of Patent: March 2, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Evan Cohen, Kevin Mari, Matthew Hamilton, Jonathan K. Barnett, Paul Mon-Wah Chan, John Jong-Suk Lee
  • 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: 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: 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: 10901600
    Abstract: A system, method and computer readable medium provide a gesture-based graphical user interface to determine allocation information to instruct an allocation. A gesture-based I/O device displays a graphical user interface having: an amount region configured to define an allocation amount; a plurality of source regions each configured to define an allocation source; and a plurality of destination regions each configured to define an allocation destination. Input is received via the gesture-based I/O device as a swipe gesture having at least two directions, the swipe gesture interacting with the amount region to define the allocation amount and interacting with at least one of a source region of the plurality of source regions and a destination region of the plurality of destination regions to define an allocation source and an allocation destination for the allocation amount.
    Type: Grant
    Filed: December 10, 2019
    Date of Patent: January 26, 2021
    Assignee: THE TORONTO-DOMINION BANK
    Inventors: Paul Mon-Wah Chan, John Jong Suk Lee, Perry Aaron Jones Haldenby
  • Publication number: 20210019039
    Abstract: 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: Application
    Filed: October 5, 2020
    Publication date: January 21, 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: 10878816
    Abstract: The present disclosure involves systems, software, and computer implemented methods for personalizing interactions within a conversational interface based on an input context. One example system performs operations including receiving a conversational input via a conversational interface associated with a particular user profile. The input is analyzed via a natural language processing engine to determine an intent and a personality input type. A persona response type associated with the determined personality input type is identified, and responsive content is determined. A particular persona associated with the particular user profile based on a related set of social network activity information associated with the user profile and that corresponds to the identified persona response type is identified.
    Type: Grant
    Filed: May 15, 2019
    Date of Patent: December 29, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Dean C. N. Tseretopoulos, Robert Alexander McCarter, Sarabjit Singh Walia, Vipul Kishore Lalka, Nadia Moretti, Paige Elyse Dickie, Denny Devasia Kuruvilla, Milos Dunjic, Dino Paul D'Agostino, Arun Victor Jagga, John Jong-Suk Lee, Rakesh Thomas Jethwa
  • Publication number: 20200401288
    Abstract: A method of controlling a portable electronic device that has a touch-sensitive display includes displaying information on the touch-sensitive display, detecting a gesture on the touch-sensitive display, scrolling through the information in a first scrolling mode when the gesture is associated with a first area of the touch-sensitive display, and scrolling through the information in a second scrolling mode when the gesture is associated with a second area of the touch-sensitive display.
    Type: Application
    Filed: August 31, 2020
    Publication date: December 24, 2020
    Inventors: John Jong-Suk LEE, Jason Tyler GRIFFIN, Michael George LANGLOIS, Alen MUJKIC, David William BUKURAK
  • Patent number: 10866727
    Abstract: A method and system are provided for facilitating access to electronic data. The method is executed by a processor of a computing device. The computing device includes the processor coupled to a memory, a communications module, and an input device. The method includes receiving a first input from the input device representing a request from a request initiator to access funds for use in a transaction, requesting and receiving, via the communications module, financial health data associated with the request initiator, and determining a second input for accessing the funds. The second input is received from the input device and has a complexity dependent on the financial health data. The method also includes facilitating access to the funds when the second input is received.
    Type: Grant
    Filed: November 5, 2019
    Date of Patent: December 15, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Garima Aggarwal, Hisham Ibrahim Salama, Rakesh Thomas Jethwa, Paul Mon-Wah Chan, John Jong Suk Lee, Dean C. N. Tseretopoulos, Amber Rose Cossitt
  • 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
  • Patent number: 10862785
    Abstract: The present application provides monitoring and managing usage of one or more network-connected devices over a network. The network-connected devices may include devices connected to the Internet of Things (IoT). Some aspects provide systems, methods and computing devices for: receiving usage and rate data associated with network-connected device(s); determining device expenditure data based on the usage and rate data; obtaining allocation information pertaining to a time period; updating information associated with one or more data files with the device expenditure data; comparing the updated information to the allocation information; and determining whether an allocation indicated by the allocation information for the time period is feasible.
    Type: Grant
    Filed: May 30, 2019
    Date of Patent: December 8, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Rajeev Kumar Gandhi, Julie Anne Cassidy, Ann Cynthia Eapen, John Jong-Suk Lee, Rakesh Thomas Jethwa
  • Publication number: 20200380201
    Abstract: Methods and systems for providing a graphical user interface to a computing device are described.
    Type: Application
    Filed: August 18, 2020
    Publication date: December 3, 2020
    Applicant: The Toronto-Dominion Bank
    Inventors: John Michael COLLINSON, Christopher William COONEY, Russell VOUTOUR, Marie-Julie DEMERS, Arun Victor JAGGA, John Jong-Suk LEE
  • Patent number: 10853774
    Abstract: The present disclosure involves systems, software, and computer-implemented methods for implementing a data transfer control based on information received from connected devices. In one instance, operations include loading an expected usage amount for a group of connected devices. Signals representing actual usage amounts associated with the group are received from at least device in the group. The actual usage amounts can be compared to the expected usage amount. An authorization of at least one payment-related action associated with the at least one group of connected devices is automatically transmitted to a payment system in response to determining that the usage amount is less than or equal to the expected amount, and at least one instruction to perform a corrective action associated with the group is automatically transmitted to at least one connected device of the group in response to determining that the actual amount exceeds the expected amount.
    Type: Grant
    Filed: October 5, 2016
    Date of Patent: December 1, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Garima Aggarwal, Jonathan K. Barnett, Roisin Lara Fritz, Robert Kyle Miller, Paul Mon-Wah Chan, John Jong-Suk Lee, Orin DelVecchio
  • Publication number: 20200372247
    Abstract: A server comprises a communications module; a processor coupled to the communications module; and a memory coupled to the processor, the memory storing processor-executable instructions which, when executed, configure the processor to receive, via the communications module and from a computing device, a signal comprising image data representing a first document; automatically analyze text in the first document based on stored classification data to identify a first parameter from the text in the first document; compare the first parameter to a second parameter, the second parameter being obtained from a data store and being associated with a second document; determine annotation data based on the comparison, the annotation data determined based on the first parameter and the second parameter; and provide, to the computing device via the communications module, a signal that includes an instruction to cause the annotation data to be overlaid on a display of the computing device, the display of the computing dev
    Type: Application
    Filed: August 12, 2020
    Publication date: November 26, 2020
    Applicant: The Toronto-Dominion Bank
    Inventors: John Michael COLLINSON, Christopher William COONEY, Russell VOUTOUR, Marie-Julie DEMERS, Arun Victor JAGGA, John Jong-Suk LEE
  • Publication number: 20200372147
    Abstract: A method for authenticating a wearable device is disclosed. The method includes: receiving, from a tokenization service provider (TSP), a signal representing a first code derived by the TSP from decrypting a security token previously provisioned in the computing device, wherein the security token was received at a terminal from the computing device and transmitted to the TSP; obtaining, based on the received signal representing the first code, a device identifier of the computing device and an identifier of an account; querying a device database to verify that the computing device is associated with a first status; verifying that the account is enabled for an operation initiated using the computing device; and transmitting an authorization message to the terminal, the authorization message authorizing the operation.
    Type: Application
    Filed: August 12, 2020
    Publication date: November 26, 2020
    Applicant: 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
  • Patent number: 10846435
    Abstract: The present disclosure involves systems, software, and computer implemented methods for providing user interface (UI)-based modifications to adjust and interact with data exchange splits. An example client device can include can identify a data exchange (DE) associated with at least three entities, the DE associated with a total value. A visualization representing the DE can be presented via a UI and can include a chart comprising the total value of the DE exchange divided into value areas that are each associated with a particular entity. In response to a detection of input associated with a selection of an edge between a first and second value area, the combined value area associated with the first and second value areas can be locked. In response to detected movement input associated with the edge, the relative values of the first and second inside the combined value area can be adjusted in the visualization.
    Type: Grant
    Filed: September 29, 2017
    Date of Patent: November 24, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Perry Aaron Jones Haldenby, Arthur Carroll Chow, Anthony Haituyen Nguyen, Het Anand Patel, Casey Lyn Doyle, Yubing Liu, John Jong-Suk Lee