The Canadian parent conglomeration of the 9th largest bank in the United States, Toronto-Dominion Bank, has had a blockchain patent submitted to the US patent office since September of 2016. The patent covers a “virtual draft system and method” and includes the words “block chain” in such combination exactly 10 times.
The patent application, like most patent applications, uses the broadest possible language when describing blockchain technology. The patent falls under several international classifications pertaining to payments and remittance, and even things like missed tolls.
US Patent 20180089645 is essentially talking about one part of a new point-of-sale system TD Bank either has in the works or would like to own some intellectual property surrounding. It describes a modern computer (must have processor and storage attached to qualify) which can negotiate payments between currencies.