Patents by Inventor Milo Dunjic
Milo Dunjic 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: 20230168832Abstract: Methods and systems for performing a partial pass-through transfer are described. In an aspect, a method includes: receiving, from a first computing system, pass-through transfer definition data to be associated with a first logical storage area, the pass-through transfer definition data including a trigger condition for a pass-through transfer and an apportionment value for the pass-through transfer; storing a representation of the pass-through transfer definition data in association with the first logical storage area; detecting a first data transfer to the first logical storage area, the first data transfer representing a transfer of a resource; determining that the first data transfer satisfies the trigger condition; and in response to determining that the first data transfer satisfies the trigger condition: identifying a portion of the resource based on the apportionment value; and initiating a second data transfer.Type: ApplicationFiled: January 25, 2023Publication date: June 1, 2023Applicant: The Toronto-Dominion BankInventors: Milos DUNJIC, David Samuel TAX, Jonathan Joseph PRENDERGAST, Kushank RASTOGI, Vipul Kishore LALKA, Asad JOHEB
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Publication number: 20230169484Abstract: A server computer system, comprises a processor; a communications module coupled to the processor; and a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to receive, via a user interface displayed on a client device, a signal including a request to transfer data; identify, based on the request to transfer data, a particular data record for receiving the data; determine, based on the particular data record, that a real-time transfer protocol is available to complete the transfer; and in response to determining that the real-time transfer protocol is available to complete the transfer, send, to the client device, a signal enabling a selectable option on the user interface to complete the transfer using the real-time transfer protocol.Type: ApplicationFiled: January 26, 2023Publication date: June 1, 2023Applicant: The Toronto-Dominion BankInventors: Milos DUNJIC, David Samuel TAX
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Patent number: 11665155Abstract: A computer-implemented method is disclosed.Type: GrantFiled: April 14, 2022Date of Patent: May 30, 2023Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, David Samuel Tax, Gregory Albert Kliewer
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Publication number: 20230155810Abstract: The disclosed exemplary embodiments include computer-implemented apparatuses and methods that validate confidential data based privacy-preserving homomorphic computations involving encrypted data. For example, an apparatus may receive, from a first computing system, encrypted data that includes a first encrypted value representative of at least one of first account data or an element of cryptographic data. Based on the first encrypted value and on second encrypted values, the apparatus may generate encrypted residual values representative of second account data associated with one or more reference accounts, and the apparatus may request and receive a decrypted residual value associated with each of the encrypted residual values from a second computing system. The apparatus may transmit the decrypted residual values to the first computing system, which may validate the first account data based on at least the decrypted residual values and perform operations associated with the validated first account data.Type: ApplicationFiled: January 13, 2023Publication date: May 18, 2023Inventors: Brian Andrew LAM, Milos Dunjic, Alexey Shpurov
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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
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Patent number: 11636225Abstract: 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: GrantFiled: May 22, 2020Date of Patent: April 25, 2023Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, David Samuel Tax, Kevin Wayne Faragher, Harjot Singh Panag
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Patent number: 11636194Abstract: 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 moduleType: GrantFiled: August 27, 2020Date of Patent: April 25, 2023Assignee: The Toronto-Dominion BankInventors: David Samuel Tax, Harjot Singh Panag, Kevin Wayne Faragher, Milos Dunjic
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Publication number: 20230113732Abstract: An electric vehicle charger includes a power supply and a controller. The power supply is for supplying electric power over a charging connection to an electric vehicle. The charging connection employs charging conductors to supply electric power from the power supply to the electric vehicle for charging. The power supply is adapted to send data to and receive data from the electric vehicle over the charging conductors according to a power-line communications protocol. The controller coupled to the power supply to control supply of electric power to the electric vehicle, The controller is adapted to, prior to initiating supply of electric power by the power supply to the electric vehicle for charging, communicate with the electric vehicle to identify a payment method associated with the electric vehicle and with the payment network to authorize the payment method for payment for electric power supplied to the electric vehicle for charging.Type: ApplicationFiled: December 15, 2022Publication date: April 13, 2023Applicant: The Toronto-Dominion BankInventors: Milos DUNJIC, Asad JOHEB, Vipul Kishore LALKA, Ravivarma RAVEENTHRAN
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Publication number: 20230110546Abstract: Methods and systems for leveraging payment networks to distribute digital identity data are described. In an aspect, a method includes: receiving a digital identity request from a requesting computer system through a payment network, the digital identity request being embedded in a first payment message and the digital identity request including an entity identifier; and in response to receiving the digital identity request: obtaining a digital identity payload based on the entity identifier; and providing the digital identity payload to the requesting computer system in a second payment message sent through the payment network.Type: ApplicationFiled: September 24, 2021Publication date: April 13, 2023Applicant: The Toronto-Dominion BankInventors: Milos DUNJIC, David Samuel TAX, Pranay Chander GUPTA, Christopher Mark JONES
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Patent number: 11620636Abstract: In some implementations, a method of providing contactless payments at a point of sale terminal includes: causing a point-of-sale terminal processing a transaction to display a machine-readable code, the machine-readable code encoding a web address; receiving a request from a device that scanned the machine-readable code, the request received at the web address; in response to receiving the request, causing the device that scanned the machine-readable code to output an interface that includes a prompt for input required to complete the transaction; receiving a response to the prompt; and sending an indication of the response to the prompt to the point-of-sale terminal to allow for completion of the transaction based on the response at the point-of-sale terminal through use of a physical token at the point-of-sale terminal.Type: GrantFiled: October 2, 2020Date of Patent: April 4, 2023Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, David Samuel Tax, Vipul Kishore Lalka, Bryan Michael Gleeson, Jeffrey Aaron Ecker, Derek Richard Castell, Anthony Haituyen Nguyen
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Patent number: 11615212Abstract: 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: GrantFiled: August 11, 2021Date of Patent: March 28, 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
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Publication number: 20230086321Abstract: A computer system is provided, comprising a processor; a communications module coupled to the processor; and a memory module coupled to the processor and storing instructions that, when executed by the processor, cause the computer system to: receive an image representing a check; extract data from a portion of the image; identify routing data, based on the extracted data, from a recipient field associated with the check; and initiate an electronic transfer by sending a transfer message using the routing data.Type: ApplicationFiled: September 23, 2021Publication date: March 23, 2023Applicant: The Toronto-Dominion BankInventors: Milos DUNJIC, David Samuel TAX, Vipul Kishore LALKA
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Publication number: 20230093075Abstract: 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 monitoring application installed on a remote computing device, on-device application data, generate a risk profile for a user based at least on the on-device application data, configure a data sharing configuration option for sharing data associated with the user based on the risk profile for the user, and share the data based on the data sharing configuration option.Type: ApplicationFiled: November 24, 2022Publication date: March 23, 2023Applicant: The Toronto-Dominion BankInventors: Milos DUNJIC, Anthony Haituyen NGUYEN, David Samuel TAX
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Patent number: 11605076Abstract: 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: GrantFiled: April 1, 2019Date of Patent: March 14, 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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Publication number: 20230063835Abstract: Methods and systems for performing a partial pass-through transfer are described. In an aspect, a method includes: receiving, from a first computing system, pass-through transfer definition data to be associated with a first logical storage area, the pass-through transfer definition data including a trigger condition for a pass-through transfer and an apportionment value for the pass-through transfer; storing a representation of the pass-through transfer definition data in association with the first logical storage area; detecting a first data transfer to the first logical storage area, the first data transfer representing a transfer of a resource; determining that the first data transfer satisfies the trigger condition; and in response to determining that the first data transfer satisfies the trigger condition: identifying a portion of the resource based on the apportionment value; and initiating a second data transfer.Type: ApplicationFiled: August 24, 2021Publication date: March 2, 2023Applicant: The Toronto-Dominion BankInventors: Milos DUNJIC, David Samuel TAX, Jonathan Joseph PRENDERGAST, Kushank RASTOGI, Vipul Kishore LALKA, Asad JOHEB
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Publication number: 20230067630Abstract: A computer-implemented method is disclosed. The method includes receiving, from a remote system, a transfer message including a transfer quantity and containing metadata regarding the transfer. The system then identifies a main recipient account based on the transfer message and, based on the metadata regarding the transfer, detects a trigger condition. The trigger condition is defined in a handling instruction stored in memory. The handling instruction includes a transfer re-routing action specifying a second recipient account. In response to detecting the trigger condition, the system causes at least a portion of the transfer quantity to be recorded in association with the second recipient account.Type: ApplicationFiled: September 2, 2021Publication date: March 2, 2023Applicant: The Toronto-Dominion BankInventors: Milos DUNJIC, David Samuel TAX, Kushank RASTOGI, Jonathan Joseph PRENDERGAST, Asad JOHEB
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Publication number: 20230060707Abstract: Methods and computer systems for including a data acceptance condition in a data transfer proposal. Receiving, from a second computing system, a transfer message for a transfer between a first account associated with a first computing system and a second account associated with the second computing system, the transfer message including routing data, an amount of resources to be transferred, and a condition associated with the transfer. Evaluating the condition associated with the data transfer based on a comparison between data included in the transfer message and one or more parameters associated with the first account. When the condition is determined to be satisfied, completing the transfer.Type: ApplicationFiled: September 2, 2021Publication date: March 2, 2023Applicant: The Toronto-Dominion BankInventors: Milos DUNJIC, David Samuel TAX, Kushank RASTOGI
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Patent number: 11593012Abstract: Methods and systems for performing a partial pass-through transfer are described. In an aspect, a method includes: receiving, from a first computing system, pass-through transfer definition data to be associated with a first logical storage area, the pass-through transfer definition data including a trigger condition for a pass-through transfer and an apportionment value for the pass-through transfer; storing a representation of the pass-through transfer definition data in association with the first logical storage area; detecting a first data transfer to the first logical storage area, the first data transfer representing a transfer of a resource; determining that the first data transfer satisfies the trigger condition; and in response to determining that the first data transfer satisfies the trigger condition: identifying a portion of the resource based on the apportionment value; and initiating a second data transfer.Type: GrantFiled: August 24, 2021Date of Patent: February 28, 2023Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, David Samuel Tax, Jonathan Joseph Prendergast, Kushank Rastogi, Vipul Kishore Lalka, Asad Joheb
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Patent number: 11593784Abstract: A server computer system, comprises a processor; a communications module coupled to the processor; and a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to receive, via a user interface displayed on a client device, a signal including a request to transfer data; identify, based on the request to transfer data, a particular data record for receiving the data; determine, based on the particular data record, that a real-time transfer protocol is available to complete the transfer; and in response to determining that the real-time transfer protocol is available to complete the transfer, send, to the client device, a signal enabling a selectable option on the user interface to complete the transfer using the real-time transfer protocol.Type: GrantFiled: July 16, 2021Date of Patent: February 28, 2023Assignee: The Toronto-Dominion BankInventors: Milos Dunjic, David Samuel Tax
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Publication number: 20230053385Abstract: A computer-implemented method is disclosed. The method includes: receiving an authentication request to authenticate a first entity with a first service; in response to receiving the authentication request: identifying an access-restricted first data record associated with the first entity; generating a message associated with a first transfer of resources between the first data record and a designated second data record, the message identifying one of the first and second data records as a recipient data record for the first transfer and defining a first quantity of resources to transfer; and transmitting the message to a first server associated with the first entity, the first server requiring user authentication to access the message; determining a completion status of the first transfer; and generating a response to the authentication request based on the completion status of the first transfer.Type: ApplicationFiled: August 23, 2021Publication date: February 23, 2023Applicant: The Toronto-Dominion BankInventors: Milos DUNJIC, David Samuel TAX, Kushank RASTOGI, Asad JOHEB, Lisa Marie BAST, Vipul Kishore LALKA