Patents by Inventor Milos Dunjic

Milos 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).

  • Patent number: 11411734
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, apparatuses, and processes that maintain data confidentiality in communications involving voice-enabled devices operating within a distributed computing environment. By way of example, an apparatus may receive, from a communications system across a public communications network, a request for an element of data generated by the computing system based on first audio content obtained at a device. The apparatus may obtain the requested data element and further, may generate acoustic data representative of at least a portion of the requested data element. The apparatus may also generate an encrypted response to the received request that includes the acoustic data, and transmit the encrypted response to the device across the public communications network.
    Type: Grant
    Filed: October 17, 2019
    Date of Patent: August 9, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Alexey Shpurov, Milos Dunjic, Brian Andrew Lam
  • Publication number: 20220247753
    Abstract: A computer-implemented method is disclosed.
    Type: Application
    Filed: April 14, 2022
    Publication date: August 4, 2022
    Applicant: The Toronto-Dominion Bank
    Inventors: Milos DUNJIC, David Samuel Tax, Gregory Albert Kliewer
  • Patent number: 11405207
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically implement and manage hash-based consent and permissioning protocols. By way of example, an apparatus may obtain consent data that identifies one or more elements of data accessible to an application program executed by a device. The apparatus may generate a consent document for the application program based on at least a portion of the consent data, and may compute a consent hash value representative of the consent document. The apparatus may also generate and transmit permissioning data that includes at least the consent hash value to the device. The permissioning data may, for example, include information that instructs the executed application program to store the consent hash value within a local memory of the device and to associate the consent hash value with an access token of the executed application program.
    Type: Grant
    Filed: July 31, 2019
    Date of Patent: August 2, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: 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
  • Publication number: 20220239643
    Abstract: A computer-implemented method is disclosed.
    Type: Application
    Filed: April 14, 2022
    Publication date: July 28, 2022
    Applicant: The Toronto-Dominion Bank
    Inventors: Milos DUNJIC, David Samuel TAX, Gregory Albert KLIEWER
  • Patent number: 11395134
    Abstract: A computer system for selectively enabling a data transfer method is disclosed. The computer system includes a processor, a communications module, and a memory. The memory stores instructions that, when executed by the processor, cause the computer system to: receive a signal from a remote electronic device via a network using the communications module, the received signal representing information including a context for a transfer of value between a database record associated with a data sender and a database record associated with a data receiver, the context including an identifier for the data receiver; obtain a condition to be satisfied in performing the transfer of value based on the identifier for the data receiver; determine that the condition is satisfied by performing the transfer of value using a particular data transfer method; and enable the transfer of value using the particular data transfer method.
    Type: Grant
    Filed: May 15, 2020
    Date of Patent: July 19, 2022
    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
  • Publication number: 20220222637
    Abstract: In an aspect a computer implemented method includes: obtaining apportionment data for a transfer, the apportionment data defining a plurality of parts of the transfer; and processing the transfer in accordance with the apportionment data, by: processing a pre-authorization for a total amount of the transfer using a first token; after processing the pre-authorization for the total amount of the transfer using the first token, processing one or more of the parts using associated tokens; and completing the transfer by processing a completion of the pre-authorization for an outstanding portion of the transfer, the outstanding portion of the transfer determined by adjusting the total amount of the transfer to account for any processed parts.
    Type: Application
    Filed: January 8, 2021
    Publication date: July 14, 2022
    Applicant: The Toronto-Dominion Bank
    Inventors: David Samuel TAX, Milos DUNJIC, Derek Richard CASTELL, Anthony Haituyen NGUYEN, Bryan Michael GLEESON, Jeffrey Aaron ECKER
  • Publication number: 20220222642
    Abstract: A method may include: 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; receiving, through the interface, an input of an indication to separate the transaction into multiple transaction parts and one or more parameters indicating how the transaction is to be separated; and sending, to the point-of-sale terminal, a message that configures the point-of-sale terminal to separate the transaction in accordance with the one or more parameters.
    Type: Application
    Filed: January 8, 2021
    Publication date: July 14, 2022
    Applicant: The Toronto-Dominion Bank
    Inventors: David Samuel TAX, Milos DUNJIC, Derek Richard CASTELL, Anthony Haituyen NGUYEN, Bryan Michael GLEESON, Jeffrey Aaron ECKER
  • Publication number: 20220215366
    Abstract: In an aspect a computer-implemented method is described. The method may include: 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 and the request including data; determining, based on data encoded in the machine-readable code and data included in the request, that the transaction may be processed using a value-added service; and in response to determining that the transaction may be processed using the value-added service, enabling completion of the transaction using the value-added service.
    Type: Application
    Filed: January 6, 2021
    Publication date: July 7, 2022
    Applicant: The Toronto-Dominion Bank
    Inventors: David Samuel TAX, Milos DUNJIC, Derek Richard CASTELL, Anthony Haituyen NGUYEN, Bryan Michael GLEESON, Jeffrey Aaron ECKER
  • Patent number: 11381574
    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 remote computing device, user input indicating a response to one or more prompts; generate an aspirational profile for a user based at least on the received user input; receive, via the communications module and from a monitoring application installed on the remote computing device, monitoring data; generate a behavior profile for the user based at least on the monitoring data; and when the behavior profile is misaligned with the aspirational profile, send, via the communications module and to the remote computing device, a notification indicating that the behavior profile is misaligned with the aspirational profile.
    Type: Grant
    Filed: July 12, 2021
    Date of Patent: July 5, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, Anthony Haituyen Nguyen, David Samuel Tax
  • Patent number: 11368444
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically manage consent, permissioning, and trust between computing systems and unrelated, third-party applications operating within a computing environment. By way of example, the apparatus may receive a request for an element of data that includes an access token and first credential data associated with an application program. When the first credential data corresponds to second credential data associated with the application program, may determine that the requested data element is accessible to the application program and perform operations that validate the access token. Further, and based on the validation of the access token, that apparatus may obtain and encrypt the requested data element, and may transmit the encrypted data element to a device via the communications interface.
    Type: Grant
    Filed: September 5, 2019
    Date of Patent: June 21, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: 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
  • Publication number: 20220191212
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically manage consent, permissioning, and trust between computing systems that maintain confidential data and unrelated third-party applications. By way of example, an apparatus may obtain interaction data that identifies an interaction between an application program executed at a first computing system and a programmatic interface of a second computing system. Based on the interaction data, the apparatus may generate outcome data characterizing a probability that the requested access to the data element is inconsistent with an access permission granted to the executed application program, and may modify the access permission in accordance with the outcome data. The apparatus may also perform that generate permissioning data indicative of the modified access permission and that store the permissioning data within a locally accessible or cloud-based repository.
    Type: Application
    Filed: March 7, 2022
    Publication date: June 16, 2022
    Inventors: 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
  • Publication number: 20220180458
    Abstract: Computing devices, systems, and methods for automatically prompting a foreign currency transaction by detecting a trip end condition associated with a registered user with respect to travel to a foreign location associated with a foreign currency. The methods and system may further determine that the registered user has a remaining foreign currency balance, and, as a result, may identify and send to the registered user's mobile device at least one option for using the remaining foreign currency balance. The at least one option may be a merchant offer from a merchant located in the area of the mobile device or may include an option to exchange the foreign currency for another currency. The trip end condition may be detected by determining that the registered user and/or user's mobile device is at an international departure location. The currency exchange may be with another registered user.
    Type: Application
    Filed: December 4, 2020
    Publication date: June 9, 2022
    Applicant: The Toronto-Dominion Bank
    Inventors: David Samuel TAX, Milos DUNJIC, Kushank RASTOGI, Joseph Matthew CAPERN
  • Publication number: 20220180337
    Abstract: Methods and computer systems for configuring recurring data transfers. Receiving, from a first computing system, a request to configure a recurring data transfer to a recipient, the request provided as a request for an immediate data transfer, the request for the immediate data transfer indicating a requested transfer amount and an intended transferor, the intended transferor indicated using an alias. Receiving user input from a computing device engaged using the alias, the user input including an indication of authorization of the immediate data transfer, the indication further including an indication of consent to pre-authorization of the recurring data transfer. In response to receiving the user input, transmitting a message to a system associated with the recipient, the message transferring data indicating the requested transfer amount, and wherein the message further includes an indication to the system associated with the recipient of consent to pre-authorization of the recurring data transfer.
    Type: Application
    Filed: December 4, 2020
    Publication date: June 9, 2022
    Applicant: The Toronto-Dominion Bank
    Inventors: Milos DUNJIC, David Samuel TAX
  • Patent number: 11347744
    Abstract: A data management device, communication system and methods for tagging data in a data table and triggering automated action. A data management device receives from a first data provider one or more records of a data table, each record comprising a plurality of fields. The data table is associated with an account having one or more authorized users. The plurality of fields each has a value set by the first data provider. The data manger determines one or more tags for the one or more records in accordance with a plurality of autotagging rules. The data manger appends the one or more records to include one or more tag fields corresponding to the one or more tags for the one or more records. The appended records are stored in a database. One or more automated actions may be triggered based on one or more tag fields of one or more of the plurality of records.
    Type: Grant
    Filed: May 22, 2020
    Date of Patent: May 31, 2022
    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, Milo Dunjic, Dino Paul D'Agostino, Arun Victor Jagga, John Jong-Suk Lee, Rakesh Thomas Jethwa
  • Publication number: 20220166629
    Abstract: A processor-implemented method is disclosed. The method includes: generating a secure data object associated with a request for transfer of resources, the secure data object indicating one or more resource transfer parameters including account information for a transferee account at a resource account management system, wherein the secure data object includes a first hash computed based on the one or more resource transfer parameters; signing the secure data object using a private key associated with the resource account management system; and sending the secure data object to a messaging address associated with a transferor of the requested resources.
    Type: Application
    Filed: November 20, 2020
    Publication date: May 26, 2022
    Applicant: The Toronto-Dominion Bank
    Inventors: Milos DUNJIC, Asad JOHEB, David Samuel TAX
  • Patent number: 11343239
    Abstract: A method for controlling third-party access of a protected data resource is disclosed. The method includes: receiving an access token associated with a first application, the access token indicating access permissions for the first application to access a user account at a protected data resource; receiving a first request to perform a first access operation of accessing the user account using the access token; determining whether the first access operation is permitted based on the access permissions; in response to determining that the first access operation is not permitted: modifying the first request to obtain a second request for performing a second access operation of accessing the user account using the access token, the second access operation complying with the access permissions for the first application; transmitting the second request to a server associated with the protected data resource.
    Type: Grant
    Filed: September 5, 2019
    Date of Patent: May 24, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, David Samuel Tax, Gregory Albert Kliewer
  • Patent number: 11343256
    Abstract: A method for controlling third-party access of a protected resource is disclosed.
    Type: Grant
    Filed: September 5, 2019
    Date of Patent: May 24, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, David Samuel Tax, Gregory Albert Kliewer
  • Publication number: 20220156402
    Abstract: In an aspect, the present application may describe a method that comprises monitoring a risk parameter associated with a third party server to detect a change in the risk parameter, and responsive to detecting the change in the risk parameter, sending, to a remote computing device and via the communications module, a notification that includes a first selectable option to modify data sharing associated with the third party server and a second selectable option to replace the third party server with an alternative third party server.
    Type: Application
    Filed: January 28, 2022
    Publication date: May 19, 2022
    Applicant: The Toronto-Dominion Bank
    Inventors: Milos DUNJIC, Anthony Haituyen NGUYEN, Gregory Albert KLIEWER, David Samuel TAX, Sairam Srinivasa POGULURU, Shishir Dattatraya BHAT
  • Publication number: 20220147639
    Abstract: A method for evaluating security of third-party application is disclosed. The method includes: receiving, from a first application, a request to obtain first account data for a user account associated with a protected data resource; generating fake data for at least a portion of the requested first account data; providing, to the first application, a first data set in response to the request, the first data set including at least the generated fake data; monitoring use of the first data set by the first application; detecting a trigger condition indicating misuse of account data based on monitoring use of the first data set by the first application; in response to detecting the trigger condition, generating a notification identifying the misuse of account data; and transmitting the notification to a computing device associated with an application user.
    Type: Application
    Filed: January 27, 2022
    Publication date: May 12, 2022
    Applicant: The Toronto-Dominion Bank
    Inventors: Milos DUNJIC, David Samuel TAX, Gregory Albert KLIEWER, Anthony Haituyen NGUYEN, Sairam Srinivasa POGULURU, Shishir Dattatraya BHAT
  • Publication number: 20220147985
    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 first computing device, a signal representing a data transfer request, the data transfer request including at least a transfer amount and a transfer address; send, via the communications module and to the transfer address, a signal including an electronic message, the electronic message including the transfer amount and at least one selectable option defining a transfer method, the at least one selectable option including a first selectable option defining a first transfer method that includes an additional requirement not required by a second transfer method; receive, via the communications module and from a second computing device, a signal indicating a selection of the at first selectable option defining the first t
    Type: Application
    Filed: November 11, 2020
    Publication date: May 12, 2022
    Applicant: The Toronto-Dominion Bank
    Inventors: Milos DUNJIC, David Samuel TAX, Vipul Kishore LALKA