Patents by Inventor Kevin Wayne FARAGHER

Kevin Wayne FARAGHER 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: 11966495
    Abstract: A system and method for managing access to entity identity data are described. The system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to authenticate a remote device as being associated with an entity; receive, via the communications module and from the remote device, pre-consent data identifying one or more third parties permitted to access entity identity data for the entity; store, in the memory, the pre-consent data in association with the entity; receive, via the communications module and from a digital identity network, a signal representing a request to release the entity identity data to the third party; determine, based on the pre-consent data, that the entity identity data is to be released to the third party; and initiate release of the entity identity data to a computing device associated with the third party.
    Type: Grant
    Filed: March 21, 2023
    Date of Patent: April 23, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, David Samuel Tax, Kevin Wayne Faragher, Harjot Singh Panag
  • Patent number: 11956244
    Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to authenticate a user via a first authentication channel; receive, via the communications module and from a computing device associated with the user, a signal representing a request to transfer a first quantity of resources; determine that the first quantity of resources is less than a first threshold associated with the first authentication channel; obtain identity data associated with the request to transfer the first quantity of resources; determine, based on the identity data, that a request to transfer a second quantity of resources has been previously initiated by the user via a second authentication channel that is different than the first authentication channel; and determine that the sum of the first quantity of resources and the second quantity of resources i
    Type: Grant
    Filed: September 9, 2022
    Date of Patent: April 9, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Harjot Singh Panag, Kevin Wayne Faragher, Sumathi Seetharaman
  • Publication number: 20230222243
    Abstract: A system and method for managing access to entity identity data are described. The system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to authenticate a remote device as being associated with an entity; receive, via the communications module and from the remote device, pre-consent data identifying one or more third parties permitted to access entity identity data for the entity; store, in the memory, the pre-consent data in association with the entity; receive, via the communications module and from a digital identity network, a signal representing a request to release the entity identity data to the third party; determine, based on the pre-consent data, that the entity identity data is to be released to the third party; and initiate release of the entity identity data to a computing device associated with the third party.
    Type: Application
    Filed: March 21, 2023
    Publication date: July 13, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: Milos DUNJIC, David Samuel TAX, Kevin Wayne FARAGHER, Harjot Singh PANAG
  • Publication number: 20230205861
    Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to add an authorized user to an account of an entity hosted by a first institution associated with the server; send, via the communications module and to a second server associated with a second institution hosting an account of the authorized user, a signal that includes a unique key and an identifier of the entity, the signal causing the second server to store the unique key and the identifier in memory and associating the unique key and the identifier with the account of the authorized user; receive a signal representing a request to perform an operation for the entity; in response to receiving the request to perform the operation, send, via the communications module
    Type: Application
    Filed: March 7, 2023
    Publication date: June 29, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: David Samuel TAX, Harjot Singh PANAG, Kevin Wayne FARAGHER, Milos DUNJIC
  • Patent number: 11645641
    Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to perform an operation from a user; determine that the user does not have a persistent account; and when it is determined that the user does not have a persistent account: obtain, via the communications module and from a digital identity network, a signal including verified identity data of the user; generate a temporary data record and associate the temporary data record with the verified identity data of the user; receive a value transfer based on the requested operation and store the received value in the temporary data record; and perform the operation using the stored value in the temporary data record.
    Type: Grant
    Filed: October 15, 2020
    Date of Patent: May 9, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Robert Kyle Miller, Kevin Wayne Faragher, Malcolm Dinyar Jussawalla, Tomasz Pawelkiewicz, Karandeep Puri
  • Patent number: 11636194
    Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to add an authorized user to an account of an entity hosted by a first institution associated with the server; send, via the communications module and to a second server associated with a second institution hosting an account of the authorized user, a signal that includes a unique key and an identifier of the entity, the signal causing the second server to store the unique key and the identifier in memory and associating the unique key and the identifier with the account of the authorized user; receive a signal representing a request to perform an operation for the entity; in response to receiving the request to perform the operation, send, via the communications module
    Type: Grant
    Filed: August 27, 2020
    Date of Patent: April 25, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: David Samuel Tax, Harjot Singh Panag, Kevin Wayne Faragher, Milos Dunjic
  • Patent number: 11636225
    Abstract: A system and method for managing access to entity identity data are described. The system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to authenticate a remote device as being associated with an entity; receive, via the communications module and from the remote device, pre-consent data identifying one or more third parties permitted to access entity identity data for the entity; store, in the memory, the pre-consent data in association with the entity; receive, via the communications module and from a digital identity network, a signal representing a request to release the entity identity data to the third party; determine, based on the pre-consent data, that the entity identity data is to be released to the third party; and initiate release of the entity identity data to a computing device associated with the third party.
    Type: Grant
    Filed: May 22, 2020
    Date of Patent: April 25, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, David Samuel Tax, Kevin Wayne Faragher, Harjot Singh Panag
  • Publication number: 20230099155
    Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to perform an operation from a user; determine that the user does not have a persistent account; and when it is determined that the user does not have a persistent account: obtain, via the communications module and from a digital identity network, a signal including verified identity data of the user; generate a temporary data record and associate the temporary data record with the verified identity data of the user; receive a value transfer based on the requested operation and store the received value in the temporary data record; and perform the operation using the stored value in the temporary data record.
    Type: Application
    Filed: December 7, 2022
    Publication date: March 30, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: Robert Kyle MILLER, Kevin Wayne FARAGHER, Malcolm Dinyar JUSSAWALLA, Tomasz PAWELKIEWICZ, Karandeep PURI
  • Publication number: 20230020445
    Abstract: A computer-implemented method is disclosed. The method includes: detecting a trigger event associated with a data record; in response to detecting the trigger event, enabling an access control for the data record, the access control defining one or more restrictions on accessing the data record; receiving at least one biometric data capture of a user and a digital form of at least one identification document associated with the user; obtaining verification results representing an identity verification status of the user based on a document verification process using the at least one biometric data capture and the digital form; in response to determining that the verification results satisfy first conditions: verifying user-inputted data based on contents of the at least one identification document; and in response to the verifying, disabling the access control for the data record.
    Type: Application
    Filed: July 15, 2021
    Publication date: January 19, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: Harjot Singh PANAG, Nipaben SHELAT, Karandeep PURI, Kevin Wayne FARAGHER
  • Publication number: 20230007009
    Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to authenticate a user via a first authentication channel; receive, via the communications module and from a computing device associated with the user, a signal representing a request to transfer a first quantity of resources; determine that the first quantity of resources is less than a first threshold associated with the first authentication channel; obtain identity data associated with the request to transfer the first quantity of resources; determine, based on the identity data, that a request to transfer a second quantity of resources has been previously initiated by the user via a second authentication channel that is different than the first authentication channel; and determine that the sum of the first quantity of resources and the second quantity of resources i
    Type: Application
    Filed: September 9, 2022
    Publication date: January 5, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: Harjot Singh PANAG, Kevin Wayne FARAGHER, Sumathi SEETHARAMAN
  • Patent number: 11477203
    Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to authenticate a user via a first authentication channel; receive, via the communications module and from a computing device associated with the user, a signal representing a request to transfer a first quantity of resources; determine that the first quantity of resources is less than a first threshold associated with the first authentication channel; obtain identity data associated with the request to transfer the first quantity of resources; determine, based on the identity data, that a request to transfer a second quantity of resources has been previously initiated by the user via a second authentication channel that is different than the first authentication channel; and determine that the sum of the first quantity of resources and the second quantity of resources i
    Type: Grant
    Filed: July 16, 2020
    Date of Patent: October 18, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Harjot Singh Panag, Kevin Wayne Faragher, Sumathi Seetharaman
  • Publication number: 20220122053
    Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to perform an operation from a user; determine that the user does not have a persistent account; and when it is determined that the user does not have a persistent account: obtain, via the communications module and from a digital identity network, a signal including verified identity data of the user; generate a temporary data record and associate the temporary data record with the verified identity data of the user; receive a value transfer based on the requested operation and store the received value in the temporary data record; and perform the operation using the stored value in the temporary data record.
    Type: Application
    Filed: October 15, 2020
    Publication date: April 21, 2022
    Applicant: The Toronto-Dominion Bank
    Inventors: Robert Kyle MILLER, Kevin Wayne FARAGHER, Malcolm Dinyar JUSSAWALLA, Tomasz PAWELKIEWICZ, Karandeep PURI
  • Publication number: 20220067137
    Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to add an authorized user to an account of an entity hosted by a first institution associated with the server; send, via the communications module and to a second server associated with a second institution hosting an account of the authorized user, a signal that includes a unique key and an identifier of the entity, the signal causing the second server to store the unique key and the identifier in memory and associating the unique key and the identifier with the account of the authorized user; receive a signal representing a request to perform an operation for the entity; in response to receiving the request to perform the operation, send, via the communications module
    Type: Application
    Filed: August 27, 2020
    Publication date: March 3, 2022
    Applicant: The Toronto-Dominion Bank
    Inventors: David Samuel TAX, Harjot Singh PANAG, Kevin Wayne FARAGHER, Milos DUNJIC
  • Publication number: 20220021681
    Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to authenticate a user via a first authentication channel; receive, via the communications module and from a computing device associated with the user, a signal representing a request to transfer a first quantity of resources; determine that the first quantity of resources is less than a first threshold associated with the first authentication channel; obtain identity data associated with the request to transfer the first quantity of resources; determine, based on the identity data, that a request to transfer a second quantity of resources has been previously initiated by the user via a second authentication channel that is different than the first authentication channel; and determine that the sum of the first quantity of resources and the second quantity of resources i
    Type: Application
    Filed: July 16, 2020
    Publication date: January 20, 2022
    Applicant: The Toronto-Dominion Bank
    Inventors: Harjot Singh PANAG, Kevin Wayne FARAGHER, Sumathi SEETHARAMAN
  • Publication number: 20210365583
    Abstract: A system and method for managing access to entity identity data are described. The system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to authenticate a remote device as being associated with an entity; receive, via the communications module and from the remote device, pre-consent data identifying one or more third parties permitted to access entity identity data for the entity; store, in the memory, the pre-consent data in association with the entity; receive, via the communications module and from a digital identity network, a signal representing a request to release the entity identity data to the third party; determine, based on the pre-consent data, that the entity identity data is to be released to the third party; and initiate release of the entity identity data to a computing device associated with the third party.
    Type: Application
    Filed: May 22, 2020
    Publication date: November 25, 2021
    Applicant: The Toronto-Dominion Bank
    Inventors: Milos DUNJIC, David Samuel TAX, Kevin Wayne FARAGHER, Harjot Singh PANAG