Patents by Inventor Orin Del Vecchio

Orin Del Vecchio 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: 11308461
    Abstract: The disclosed embodiments include computerized systems and methods that generate secured blockchain-based ledger structures that facilitate event-based control of tracked assets. In one embodiment, an apparatus associated with a centralized authority of the secured blockchain-based ledger may detect an occurrence of an event, and may access and decrypt a set of rules hashed into the secured blockchain-based ledger using a confidentially-held master cryptographic key. The apparatus may identify a rule associated with the detected event, and perform one or more operations consistent with the rule and involving at least one of assets tracked within the secured blockchain-based ledger or an owner of a portion of the tracked assets. By way of example, the detected event may triggering a sale, transfer, and/or re-allocation of an ownership interest in a tracked asset, and the identified rule may specify a distribution of proceeds derived from the sale, transfer, and/or re-allocation.
    Type: Grant
    Filed: November 10, 2015
    Date of Patent: April 19, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Perry Aaron Jones Haldenby, Rajan Mahadevan, John Jong Suk Lee, Paul Mon-Wah Chan, Orin Del Vecchio
  • Patent number: 11227275
    Abstract: A payment processing method involves a server receiving a payee identifier, and linking the payee identifier to a device identifier identifying a payee device. The server receives from a payor device a payment initiation request identifying a specified payment amount and a payor identifier, links a unique token to the specified payment amount and to the payor identifier, and provides the payor device with the token. The token excludes the payor identifier and particulars of the associated payor. The server receives a payment completion request including the payee identifier and the token, and excluding the payment amount, the payor identifier and payor particulars. The server uses the payee identifier to confirm that the payment completion request was signed with the device identifier, uses the payee identifier to locate a payee account, and uses the token to determine the specified payment amount and a payor account associated with the payor identifier.
    Type: Grant
    Filed: September 5, 2017
    Date of Patent: January 18, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Lauren Van Heerden, Prabaharan Sivashanmugam, Dino D'Agostino, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Steven Robert Langham
  • Patent number: 11216808
    Abstract: A message processing server includes a message processor, a network interface, and a memory storing a token database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The message processor receives, via the network interface, at least one authorization message that identifies one of the tokens, derives a first decrypted data layer from the first encrypted data layer of the token, and extracts from the first decrypted data layer a second pointer to a secondary database that stores a predetermined data value. The message processor excises the predetermined data value from the secondary database.
    Type: Grant
    Filed: October 5, 2016
    Date of Patent: January 4, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Avinash Malliah, Roisin F. Fritz, Jonathan K. Barnett, John Jong Suk Lee, Paul Mon-Wah Chan, Orin Del Vecchio
  • Patent number: 11151526
    Abstract: The disclosed embodiments include computerized systems and methods that generate secured blockchain-based ledger structures that facilitate event-based control of tracked assets. In one embodiment, an apparatus associated with a rules authority of the secured blockchain-based ledger may obtain data indicative of an initiated transfer of funds between parties, and may access and decrypt a set of restrictions imposed on the initiated transfer and a set of rules associated with the restrictions, which may hashed into the secured blockchain-based ledger using a confidentially-held master cryptographic key. The apparatus may determine that the initiated transfer violates at least one of the restrictions, and may perform operations consistent with at least one of the rules associated with the at least one violated restriction.
    Type: Grant
    Filed: November 9, 2015
    Date of Patent: October 19, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Perry Aaron Jones Haldenby, Rajan Mahadevan, John Jong Suk Lee, Paul Mon-Wah Chan, Orin Del Vecchio
  • Patent number: 11144898
    Abstract: An event monitoring processor includes a processor and at least one memory. The memory stores a database of cohort definitions. Each cohort definition defines a respective cohort. The processor is configured to receive particulars of a member event initiated by a member of one of the cohorts, generate an additional cohort definition from the particulars of the member event, and save the additional cohort definition in the cohort definitions database. The processor is also configured to receive member data associated with the cohort member, select one of the cohorts in the cohort definitions database from a correlation between the member data and the cohort definitions, and save in a cohort member database a member record that identifies a correlation between the member event and an event defined in the selected one cohort.
    Type: Grant
    Filed: April 14, 2020
    Date of Patent: October 12, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Kevin Ricardo Mari, Evan Zachary Cohen, Jonathan K. Barnett, John Jong Suk Lee, Paul Mon-Wah Chan, Orin Del Vecchio
  • Patent number: 11126975
    Abstract: The disclosed embodiments include computerized systems and methods for generating secured blockchain-based ledger data structures that track an ownership and usage of one or more assets, such as Internet-connected devices. In one instance, an apparatus associated with a rules authority of the secured blockchain-based ledger may detect an occurrence of a triggering event, and may access and decrypt a set of rules hashed into the secured blockchain-based ledger using a confidentially-held master cryptographic key. The apparatus may identify a rule associated with the detected event, and perform one or more operations consistent with the rule, including a determination of metrics indicative of a care, risk, and/or valuation of one or more of the Internet-connected devices, and additionally or alternatively, a modification of an operational or communicative functionality of the Internet-connected devices.
    Type: Grant
    Filed: November 9, 2015
    Date of Patent: September 21, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Perry Aaron Jones Haldenby, Rajan Mahadevan, John Jong Suk Lee, Paul Mon-Wah Chan, Orin Del Vecchio
  • Patent number: 10896419
    Abstract: The disclosed embodiments include methods, systems, system terminals, and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction.
    Type: Grant
    Filed: September 24, 2018
    Date of Patent: January 19, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Prabaharan Sivashanmugam, Lauren Van Heerden, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Edward Lounsbury, Paul Mon-Wah Chan, Jonathan K. Barnett, Ashraf Metwalli, Jakub Danielak
  • Patent number: 10896248
    Abstract: The disclosed embodiments include computerized methods and systems that facilitate two-factor authentication of a user based on a user-defined image and information identifying portions of the image sequentially selected by the user. In one aspect, a communications device presents a first digital image of a first user on a touchscreen display. The communications device may receive, from the first user, information identifying portions of the first digital image selected in accordance with a candidate authentication sequence established by the first user. The selected first image portions may, for example, be associated with corresponding facial features of the first user. The communications device may determine whether the candidate authentication sequence matches a reference authentication sequence associated with the first digital image, and may authenticate an identity of the first user, when the first selection sequence is determined to match the second selection sequence.
    Type: Grant
    Filed: January 23, 2018
    Date of Patent: January 19, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Hisham I. Salama, Paul Mon-Wah Chan, Dino D'Agostino, Orin Del Vecchio
  • Publication number: 20200327513
    Abstract: An authorization system includes a database, and at least one computer server in communication with the database. The database includes a plurality of database records, each including an account number and an associated card number. Each card number has fewer digits than the associated account number. The server is configured to receive, from a communications terminal, a request message that initiates a transaction with the server. The server is configured to request an authentication credential from the terminal, and in the database locate the card number that matches the received authentication credential and locate the account number that is associated with the located card number. The server is configured to request authorization of a test transaction using the account number, receive an authorization response confirming authorization of the test transaction, and authorize the initiated transaction in response to the authorization response. The test transaction is different from the initiated transaction.
    Type: Application
    Filed: June 29, 2020
    Publication date: October 15, 2020
    Inventors: HISHAM SALAMA, Lauren VAN HEERDEN, Ian SUNDBERG, Anand KANNAN, Orin DEL VECCHIO
  • Patent number: 10803516
    Abstract: A method and system for recommending a physical location at which to complete an electronic activity are disclosed. In some examples, the system identifies an incomplete portion of an electronic activity initiated at a first device, and identifies a plurality of candidate locations for completion of the electronic activity based on at least one characteristic of the incomplete portion. When a prior location of the first device is closer to a first one of the candidate locations than to a second one of the candidate locations, the system selects the first candidate location for the completion of the electronic activity and provides activity data characterizing the electronic activity to a second device disposed at the first candidate location.
    Type: Grant
    Filed: December 7, 2018
    Date of Patent: October 13, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Jonathan K. Barnett, Lauren Van Heerden, Orin Del Vecchio, Gunalan Nadarajah, John Barbon, Paul Mon-Wah Chan, Jakub Danielak, Christianne Moretti, Matthew Hamilton
  • Publication number: 20200242578
    Abstract: An event monitoring processor includes a processor and at least one memory. The memory stores a database of cohort definitions. Each cohort definition defines a respective cohort. The processor is configured to receive particulars of a member event initiated by a member of one of the cohorts, generate an additional cohort definition from the particulars of the member event, and save the additional cohort definition in the cohort definitions database. The processor is also configured to receive member data associated with the cohort member, select one of the cohorts in the cohort definitions database from a correlation between the member data and the cohort definitions, and save in a cohort member database a member record that identifies a correlation between the member event and an event defined in the selected one cohort.
    Type: Application
    Filed: April 14, 2020
    Publication date: July 30, 2020
    Inventors: Kevin Ricardo Mari, Evan Zachary Cohen, Jonathan K. Barnett, John Jong Suk Lee, Paul Mon-Wah Chan, Orin Del Vecchio
  • Patent number: 10726400
    Abstract: A method of authorizing a transaction involves a computer server authenticating a payment cardholder from a cardholder credential, and receiving a request from a communications terminal to initiate an online transaction with the server. The server communicates with a database of clusters, each uniquely associated with a respective cardholder and identifying an authentication card and a partial payment card number. The server requests an authentication credential from the terminal in response to determining that the requested transaction possesses a high risk of fraud. The server receives the requested authentication credential, and uses the cardholder and authentication credentials to locate the authentication card uniquely associated with the cardholder and the authentication credential in the database. The authentication credential has fewer digits than the account number of the located authentication card.
    Type: Grant
    Filed: June 10, 2014
    Date of Patent: July 28, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Hisham Salama, Lauren Van Heerden, Ian Sundberg, Anand Kannan, Orin Del Vecchio
  • Patent number: 10671996
    Abstract: The disclosed embodiments include methods and systems for validating, funding, activating, and reloading one or more configurable multicards. The disclosed embodiments may include a method that may include obtaining user authentication information relating to a first user associated with an inactivated multicard that is configurable for use for purchases and is configured with a zero multicard account balance amount. The method may include obtaining multicard configuration information including a unique multicard identification information that identifies the inactivated multicard and a first multicard account balance amount for the inactivated multicard. The method may also include validating the inactivated multicard using the unique multicard identification information and associating the inactivated multicard with a multicard account having the first multicard account balance that is funded from a financial account associated with the first user.
    Type: Grant
    Filed: July 10, 2015
    Date of Patent: June 2, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Michael D. Cummins, Lauren Van Heerden, Prabaharan Sivashanmugam, Orin Del Vecchio, Gunalan Nadarajah
  • Patent number: 10657509
    Abstract: An event monitoring processor includes a processor and at least one memory. The memory stores a cohort member database, and a database of cohort definitions. Each cohort definition defines a respective cohort. The processor is configured to receive a notification identifying a member action initiated by a member of one of the cohorts. The processor is configured to determine, from the cohort definition of the one cohort, a correlation outcome value from a correlation between the member action and an action associated with the one cohort, and to update at least one of the cohort definitions by saving in the cohort definitions database particulars of the member action in association with the at least one of the cohort definition. The processor is configured to save in the cohort member database a member database record identifying the correlation outcome value. The cohort member database is associated with the cohort member.
    Type: Grant
    Filed: October 7, 2016
    Date of Patent: May 19, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Kevin Ricardo Mari, Evan Zachary Cohen, Jonathan K. Barnett, John Jong Suk Lee, Paul Mon-Wah Chan, Orin Del Vecchio
  • Publication number: 20200051082
    Abstract: The disclosed embodiments include methods and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction. The method may also include providing, by the one or more processors, the validation information to the authentication network.
    Type: Application
    Filed: October 17, 2019
    Publication date: February 13, 2020
    Inventors: PRABAHARAN SIVASHANMUGAM, Lauren Van Heerden, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Edward Lounsbury, Paul Mon-Wah Chan, Jonathan K. Barnett, Ashraf Metwalli, Jakub Danielak
  • Patent number: 10559034
    Abstract: The disclosed embodiments include computerized methods and systems that automatically verify an identity of a user based on social media messaging. In an embodiment, an apparatus identifies a first social media message associated with a social networking account of a user and generated by a device of the user. The apparatus may generate may extract authentication data from the first social media message, and may verify an identity of the user based on a correspondence between the extracted authentication data and at least a portion of stored user profile. In response to the verification, the apparatus may generate one or more electronic commands to initiate an action involving one or more securities.
    Type: Grant
    Filed: October 2, 2015
    Date of Patent: February 11, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Bruno Sandre, Matthew Hamilton, Jonathan K. Barnett, Paul Mon-Wah Chan, John Jong Suk Lee, Orin Del Vecchio
  • Patent number: 10540720
    Abstract: The disclosed embodiments include systems and methods for administering actual and virtual investment portfolios based on transaction data associated with one or more users. The disclosed embodiments may be configured to modify an investment risk tolerance of a user based on transaction data identifying one or more first products purchased by the user and one or more prior financial services transactions associated with the user. The disclosed embodiments may also be configured to identify one or more first securities based on a portion of the transaction data and the modified investment risk tolerance. In certain aspects, the identified first securities may be related to at least one of the purchased products.
    Type: Grant
    Filed: October 1, 2014
    Date of Patent: January 21, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Michael E. Globe, Mazin Al-Samadi, Lauren Van Heerden, Gunalan Nadarajah, Orin Del Vecchio, Michael D. Cummins, Prabaharan Sivashanmugam
  • Publication number: 20190392452
    Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.
    Type: Application
    Filed: September 4, 2019
    Publication date: December 26, 2019
    Inventors: SALIM JIVRAJ, Lauren Van Heerden, Michael D. Cummins, Prabaharan Sivashanmugan, Gerald Jeschke, Andrew Chak, Mike Stephenson, Paul Mon-Wah Chan, John Jong Suk Lee, Orin Del Vecchio
  • Patent number: 10496988
    Abstract: The disclosed embodiments include methods and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction. The method may also include providing, by the one or more processors, the validation information to the authentication network.
    Type: Grant
    Filed: June 23, 2015
    Date of Patent: December 3, 2019
    Assignee: The Toronto-Dominion Bank
    Inventors: Prabaharan Sivashanmugam, Lauren Van Heerden, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Edward Lounsbury, Paul Mon-Wah Chan, Jonathan K. Barnett, Ashraf Metwalli, Jakub Danielak
  • Publication number: 20190347627
    Abstract: The disclosed embodiments include computerized systems and methods for generating secured blockchain-based ledger data structures that track occurrences of events across fragmented and geographically dispersed lines-of-business of an enterprise. In one instance, an apparatus associated with a rules authority of the secured blockchain-based ledger may detect an occurrence of a triggering event, and may access and decrypt a set of rules hashed into the secured blockchain-based ledger using a confidentially-held master cryptographic key. The apparatus may identify a rule associated with the detected event, and perform one or more operations consistent with the rule, including a disbursement of various rewards to employees in response to customer-specific interactions with the enterprise. The disclosed embodiments provide a rules process for aggregating mutually incompatible enterprise data that specifies the events, and for tracking the events in uniform data structures accessible across the enterprise.
    Type: Application
    Filed: July 23, 2019
    Publication date: November 14, 2019
    Inventors: Jenny Lin, Perry Aaron Jones Haldenby, John Jong Suk Lee, Paul Mon-Wah Chan, Orin Del Vecchio