IP Library › Granted Patent US 11,107,050
Granted Patent B2
US 11,107,050 · App. 15/349,274 · Granted Aug 31, 2021

Automatic performance of parameter-based operations in trusted network environments

Inventors: Stephen John McCann (Toronto, CA); Perry Aaron Jones Haldenby (Toronto, CA); Arthur Carroll Chow (Toronto, CA); Eddie Cheuk Long Law (Toronto, CA); Haituyen Anthony Nguyen (Toronto, CA); Paul Mon-Wah Chan (Toronto, CA); John Jong Suk Lee (Toronto, CA); Rakesh Thomas Jethwa (Toronto, CA)
Assignee: The Toronto-Dominion Bank
G06Q20/102G06Q20/1085G06Q20/385G07F19/206H04L63/08H04L67/104H04L67/14G07F19/207H04L2463/102
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Quick Facts
Patent No.
US 11,107,050
App. No.
15/349,274
Granted
Aug 31, 2021
Kind
B2
Abstract

The disclosed embodiments include computer-implemented systems and processes that facilitate an initiation and a performance of one or more trustless transactions between counterparty devices operating within a trusted, secure computer-networking environment. For example, an apparatus may receive, through a touchscreen display unit, first data that identifies a session identifier associated with a transaction session, and may determine a validity of the session identifier based on the received first data. The apparatus may establish the transaction session in response to the determined validity of the session identifier. The transaction session may be associated with first and second operations characterized by values of corresponding parameters. The apparatus may receive, through the touchscreen display unit, second data confirming a completion of the first operation, and in response to the confirmation of the completed first operation, the apparatus may perform the second operation in accordance with at least a portion of the parameter values.

Claims (72)

1. An apparatus, comprising:

an interface unit;

a storage unit storing instructions; and

at least one processor coupled to the interface unit and the storage unit, the at least one processor being configured to execute the instructions to:

through the interface unit, receive first input data from a first party and receive second input data from a second party, the first input data being associated with a first receipt time and comprising a first session identifier that identifies the first party associated with a data exchange session, the second input data being associated with a second receipt time and comprising a second session identifier that identifies the second party associated with the data exchange session, the first session identifier being different from the second session identifier, and the data exchange session being associated with a scheduled start time;

determine that each of the first and second receipt times fall within a threshold time period of the scheduled start time:

request and receive, from a computing system, confirmation data indicative of a validity of the first session identifier and the second session identifier;

establish the validity of the first session identifier and the second session identifier based on the confirmation data and based on the determination that each of the first and second receipt times fall within the threshold time period of the scheduled start time;

establish the data exchange session in response to the validity of the first and second session identifiers, the data exchange session being associated with first and second operations characterized by values of corresponding parameters, the first operation comprising an exchange of a good or service between the first party and the second party, and the second operation comprising a payment transaction involving the first party and the second party;

receive, through the interface unit, third input data from at least one of the first or second parties that confirms a completion of the first operation; and

in response to the confirmation of the completed first operation, initiate the payment transaction in accordance with at least a portion of the parameter values,

wherein the apparatus is an automated teller machine, the first and second parties are disposed at a physical location of the automated teller machine, and the at least one processor is further configured to execute the instructions to receive the first input data, the second input data, and the third input data through the interface unit of the automated teller machine.

2. The apparatus of claim 1 , wherein the at least one processor is further configured to execute the instructions to:

obtain data identifying a first assigned session identifier of the first party and a second assigned session identifier of the second party;

determine that the first session identifier corresponds to the first assigned session identifier, and determine that the second session identifier corresponds to the second session identifier; and

establish the validity of the first and second session identifiers based on the determination that the first session identifier corresponds to the first assigned session identifier and that the second session identifier corresponds to the second session identifier, and based on the confirmation data.

3. The apparatus of claim 1 , wherein the at least one processor is further configured to initiate the payment transaction prior to receiving the third input data.

4. The apparatus of claim 1 , wherein:

the apparatus further comprises a digital camera coupled to the at least one processor; and

the at least one processor is further configured to execute the instructions to:

in response to receiving the first session identifier and the second session identifier, generate an electronic command that, when received by the digital camera, causes the digital camera to capture digital video or image data indicative of an environment surrounding the apparatus;

detect a completion of the data exchange session; and

based on a detected completion of the data exchange session, generate an additional electronic command that, when received by the digital camera, causes the digital camera to cease capturing the digital video or image data.

5. The apparatus of claim 1 , wherein the at least one processor is further configured to execute the instructions to:

detect a completion of the initiated payment transaction; and

in response to the detected completion, terminate the data exchange session.

6. The apparatus of claim 1 , wherein

the corresponding parameters comprise transaction parameters specified by one or more of the first or second parties, and

the transaction parameters comprise at least one of a purchase price, a quantity of a good or service involved in the transaction, or a payment mechanism.

7. The apparatus of claim 6 , wherein

the payment transaction compensates the first party for the transferred good or service in accordance with the purchase price.

8. The apparatus of claim 1 , wherein:

the at least one processor is further configured to execute the instructions to receive the third input data from the second party; and

the third input data comprises a personal identification number of the second party.

9. The apparatus of claim 1 , wherein: the at least one processor is further configured to:

generate a request for the confirmation data that includes the first and second session identifiers; and

transmit the request to the computing system.

10. The apparatus of claim 1 , wherein:

the data exchange session is associated with a data exchange identifier; and

the confirmation data comprises at least one of the parameter values, the at least one of the parameter values being associated with the data exchange identifier.

11. The apparatus of claim 1 , wherein:

the data exchange session is associated with a transaction identifier;

the confirmation data is further indicative of an association between the transaction identifier and the first and second session identifiers; and

the at least one processor is further configured to execute the instructions to establish the data exchange session in response to the validity of the first and second session identifiers, and in response to the association between the transaction identifier and the first and second session identifiers.

12. The apparatus of claim 1 , wherein the first and second parties are disposed at the physical location of the automated teller machine at the scheduled start time.

13. A computer-implemented method, comprising:

by at least one processor, and through an interface unit of an automated teller machine, receiving first input data from a first party and receiving second input data from a second party, the first and second parties being disposed at a physical location of the automated teller machine, the first input data being associated with a first receipt time and comprising a first session identifier that identifies the first party associated a data exchange session, the second input data being associated with a second receipt time and comprising a second session identifier that identifies the second party associated with the data exchange session, the first session identifier being different from the second session identifier, and the data exchange session being associated with a scheduled start time;

determining, by the at least one processor, that each of the first and second receipt times fall within a threshold time period of the scheduled start time;

by the at least one processor, requesting and receiving, from a computing system, confirmation data indicative of a validity of the first session identifier and the second session identifier;

establishing, by the at least one processor, the validity of the first session identifier and the second session identifier based on the confirmation data and based on the determination that each of the first and second receipt times fall within the threshold time period of the scheduled start time;

establishing, by the at least one processor, the data exchange session in response to validity of the first and second session identifiers, the data exchange session being associated with first and second operations characterized by values of corresponding parameters, the first operation comprising an exchange of a good or service between the first party and the second party, and the second operation comprising a payment transaction involving the first party and the second party;

receiving, by the at least one processor, and through the interface unit of the automated teller machine, third input data from at least one of the first or second parties that confirms a completion of the first operation; and

in response to the confirmation of the completed first operation, initiating, by the at least one processor, the payment transaction in accordance with at least a portion of the parameter values.

14. The computer-implemented method of claim 13 , further comprising:

detecting, by the at least one processor, a completion of the initiated payment transaction; and

terminating, by the at least one processor, the data exchange session in response to the detected completion.

15. The computer-implemented method of claim 13 , wherein the corresponding parameters comprise transaction parameters specified by one or more of the first or second parties.

16. The computer-implemented method of claim 13 , wherein:

the at least one processor is further configured to execute the instructions to receive the third input data from the second party through the interface unit of the automated teller machine; and

the third input data comprises a personal identification number of the second party.

17. The computer-implemented method of claim 13 , further comprising:

obtaining, by the at least one processor, data identifying a first assigned session identifier of the first party and a second assigned session identifier of the second party;

by the at least one processor, determining that the first session identifier corresponds to the first assigned session identifier, and determining that the second session identifier corresponds to the second session identifier; and

establishing, by the at least one processor, the validity of the first and second session identifiers based on the determination that the first session identifier corresponds to the first assigned session identifier and that the second session identifier corresponds to the second session identifier, and based on the confirmation data.

18. A tangible, non-transitory computer-readable medium storing instructions that, when executed by at least one processor, cause the at least one processor to perform a method, comprising:

through an interface unit of an automated teller machine, receiving first input data from a first party and receiving second input data from a second party, the first and second parties being disposed at a physical location of the automated teller machine, the first input data being associated with a first receipt time and comprising a first session identifier that identifies the first party associated with a data exchange session, the second input data being associated with a second receipt time and comprising a second session identifier that identifies the second party associated with the data exchange session, the first session identifier being different from the second session identifier, and the data exchange session being associated with a scheduled start time;

determining that each of the first and second receipt times fall within a threshold time period of the scheduled start time;

requesting and receiving, from a computing system, confirmation data bring indicative of a validity of the first session identifier and the second session identifier;

establishing the validity of the first session identifier and the second session identifier based on the confirmation data and based on the determination that each of the first and second receipt times fall within the threshold time period of the scheduled start time;

establishing the data exchange session in response to validity of the first and second session identifiers, the data exchange session being associated with first and second operations characterized by values of corresponding parameters, the first operation comprising an exchange of a good or service between the first party and the second party, and the second operation comprising a payment transaction involving the first party and the second party;

receiving, through an interface unit of the automated teller machine, third input data from at least one of the first or second parties that confirms a completion of the first operation; and

in response to the confirmation of the completed first operation, initiating the payment transaction in accordance with at least a portion of the parameter values.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Aug 26, 2019
From: MCCANN, STEPHEN JOHN; HALDENBY, PERRY AARON JONES; CHOW, ARTHUR CARROLL; LAW, EDDIE CHEUK LONG; NGUYEN, HAITUYEN ANTHONY; CHAN, PAUL MON-WAH; LEE, JOHN JONG SUK; JETHWA, RAKESH THOMAS
To: THE TORONTO-DOMINION BANK
Reel/Frame 050163/0008 →
Continuity (1)
Related Publication 20180137483A1 · May 17, 2018