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公开(公告)号：US20230401569A1
公开(公告)日：2023-12-14
申请号：US18455230
申请日：2023-08-24
Applicant: The Toronto-Dominion Bank
Inventor： Alexander Christian Raphael VENDITTI , Jenny Wai Ching FUNG-PELOSO , Jennifer Marie deLAGRAN
IPC: G06Q20/36 , G06Q20/38 , G06Q30/0226
CPC classification number: G06Q20/3676 , G06Q20/387 , G06Q30/0229
Abstract: A system and method are provided for managing loyalty program accounts. The method is executed by a device and includes providing, from the device, access to a loyalty wallet application. The method also includes storing loyalty account information for a plurality of loyalty accounts in the loyalty wallet application and integrating a loyalty tracking application, operable from the device, with at least one transaction channel accessed via the device. The method also includes receiving transaction data from the at least one transaction channel; detecting, from the transaction data, that a transaction yet to be executed is eligible for a loyalty reward associated with one or more of the plurality of loyalty accounts; and modifying the transaction to use corresponding loyalty account information to obtain the loyalty reward. The method also includes enabling the modified transaction to be completed to obtain the loyalty reward.
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公开(公告)号：US20230401553A1
公开(公告)日：2023-12-14
申请号：US17838557
申请日：2022-06-13
Applicant: The Toronto-Dominion Bank
Inventor： Miguel Navarro , Levi Sutter
CPC classification number: G06Q20/24 , G06Q20/065 , G06Q20/363 , G06Q30/0201 , G06Q30/0206
Abstract: An example operation may include one or more of receiving a payment amount and an identifier of a recipient account from a digital wallet, predicting, via a machine learning model, a future value of a cryptocurrency based on historical values of the cryptocurrency over time, determining to perform a BNPL transaction for the payment amount based on the predicted future value of a cryptocurrency stored within the digital wallet application of the user, transmitting, via a crypto-bridge API, fiat currency from a fiat account of the user to a crypto exchange and receiving an amount of the cryptocurrency based on the payment amount and storing the amount of cryptocurrency in the blockchain wallet, generating an entry comprising a future date, the identifier of the recipient account, and a return value to retrieve from the crypto exchange at the future date, and storing the entry in the queue.
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公开(公告)号：US20230386190A1
公开(公告)日：2023-11-30
申请号：US18202455
申请日：2023-05-26
Applicant: THE TORONTO-DOMINION BANK
Inventor： Jesse Cole Cresswell , Brendan Leigh Ross , Anthony Lawrence Caterini , Gabriel Loaiza Ganem , Bradley Craig Anderson Brown
IPC: G06V10/82 , G06V10/762
CPC classification number: G06V10/82 , G06V10/7625
Abstract: A computer model is trained to account for data samples in a high-dimensional space as lying on different manifolds, rather than a single manifold to represent the data set, accounting for the data set as a whole as a union of manifolds. Different data samples that may be expected to belong to the same underlying manifold are determined by grouping the data. For generative models, a generative model may be trained that includes a sub-model for each group trained on that group's data samples, such that each sub-model can account for the manifold of that group. The overall generative model includes information describing the frequency to sample from each sub-model to correctly represent the data set as a whole in sampling. Multi-class classification models may also use the grouping to improve classification accuracy by weighing group data samples according to the estimated latent dimensionality of the group.
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公开(公告)号：US20230368293A1
公开(公告)日：2023-11-16
申请号：US17743787
申请日：2022-05-13
Applicant: The Toronto-Dominion Bank
Inventor： Miguel Navarro , Levi Sutter
CPC classification number: G06Q40/04 , G06Q20/36 , G06Q20/027 , G06Q20/389 , G06Q40/06 , G06Q20/20
Abstract: An example operation may include one or more of receiving, via a host platform, a payment authorization request message for a payment transaction of a digital wallet hosted by the host platform from a payment gateway of an electronic payment network, verifying that a payment account in the digital wallet has sufficient funds to satisfy an amount of the payment transaction and transmitting a payment authorization response to the payment gateway, pausing clearing and settling of the authorized payment transaction, executing a blockchain transaction via a blockchain ledger of a cryptocurrency network to exchange fiat currency from the payment account for cryptocurrency based on the amount of the payment transaction, prior to a due date of the authorized payment transaction, executing a second blockchain transaction to exchange the cryptocurrency for a new amount of fiat currency, and settling the authorized payment transaction based on the new amount of fiat currency received from the second blockchain transaction.
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公开(公告)号：US20230368048A1
公开(公告)日：2023-11-16
申请号：US17741748
申请日：2022-05-11
Applicant: The Toronto-Dominion Bank
Inventor： Dan Ni Yang , Méliné Nikoghossian , Elham Hajarian , Behjat Soltanifar , Karishma Harshal Patel
CPC classification number: G06N5/04 , G06F16/221
Abstract: Systems and methods for optimizing multi-stage data machine learning model processing, by providing an intermediate processing step to identify or filter records in voluminous inference data that meet a predetermined threshold. Multiple downstream processes can be optimized by applying multiple thresholds to the voluminous inference data.
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Patent Agency Ranking
96.发明公开公开(公告)号：US20230367594A1
公开(公告)日：2023-11-16
申请号：US17741848
申请日：2022-05-11
Applicant: The Toronto-Dominion Bank
Inventor： Mark Anthony DICARLANTONIO , Peter John SAKRISSON
IPC: G06F9/30
CPC classification number: G06F9/3004
Abstract: Computing platforms, methods, and storage media for processing instructions associated with one or more data transfers are disclosed. Exemplary implementations may: obtain, by the apparatus, input data associated with a set of data transfer requests, the input data including a plurality of records; generate, by the apparatus and based on the input data and in the absence of a visual representation of the plurality of records, link presence indicators for the input data by automatically creating indications of presence of links between the plurality of records based on one or more of the plurality of variables; and create, by the apparatus and for storage in a memory, a set of linked data based on the input data and the generated linking relationships. Exemplary implementations focus on whether, rather than how, items are linked together, in an automated and scalable approach, and may perform analytics on the links and entities.
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公开(公告)号：US20230360500A1
公开(公告)日：2023-11-09
申请号：US18352368
申请日：2023-07-14
Applicant: The Toronto-Dominion Bank
Inventor： A Warren PRATTEN , Randall Walton MARTIN , Martin Albert LOZON , Graham Allan ANDERSON , Ratnadeep BHADRA , James Kenneth MCCRAE , Dino Paul D'AGOSTINO
CPC classification number: G07F19/202 , G06Q20/4037 , G06Q20/042 , G07F19/206
Abstract: A computer system for automatically handling and releasing funds for deposit items has a memory storing instructions that, when executed by a processor, cause the system to receive an image of a cheque received and scanned by an automated teller machine (ATM) for deposit into a first account of an institution associated with the ATM. The scanned image of the cheque is analyzed to identify an institution and account on which that cheque is drawn. If that account has sufficient available funds to cover the cheque, then the first account is credited in the amount of the cheque without placing a hold on any of the credited amount and funds of the account on which the cheque is drawn are encumbered in that same amount. After crediting the first account, an indication is provided that the funds are available (e.g., to withdraw). Related methods and computer-readable media are also disclosed.
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公开(公告)号：US20230360013A1
公开(公告)日：2023-11-09
申请号：US18350903
申请日：2023-07-12
Applicant: The Toronto-Dominion Bank
Inventor： Christopher Mark JONES , Marc Samuel CHALIFOUX
CPC classification number: G06Q20/1085 , G07F19/202 , G07F19/203
Abstract: In an aspect, the present application describes a computer system. The computer system includes a communications module and a processor coupled to the communications module. The computer system include a memory coupled to the processor storing instructions that, when executed by the computer system, cause the computer system to: receive, from an automated teller machine (ATM) and via the communications module, an indication of a deposit of a value instrument; save, in the memory, a retention instruction including an associated temporal period, the retention instruction preventing withdrawal of value instruments corresponding to an amount of the deposit; receive, via the communications module, an instruction to process a data transfer to a recipient, the data transfer to the recipient accessing at least a portion of the deposit; and process the data transfer to the recipient during the temporal period using at least a portion of the deposit.
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公开(公告)号：US11797179B1
公开(公告)日：2023-10-24
申请号：US17744072
申请日：2022-05-13
Applicant: The Toronto-Dominion Bank
IPC: G06F3/06
CPC classification number: G06F3/0605 , G06F3/067 , G06F3/0646 , G06F3/0659
Abstract: Systems and methods of determining whether to initiate a pull of an accumulated data transfer amount are described. An accumulated data transfer amount for a periodic data transfer scheduled to be pushed at a future date is determined. A determination is made of whether an overall data amount in a storage location is expected to be greater at a date on or after the scheduled future date if a pull of the accumulated data transfer amount is performed before the scheduled future date than if a pull operation is not performed and the accumulated data transfer amount is sent at the scheduled future date. When the overall data amount in the storage location is expected to be greater at the scheduled future date if the pull of the accumulated data transfer amount is performed, a pull of the accumulated data transfer amount is initiated.
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公开(公告)号：US20230334459A1
公开(公告)日：2023-10-19
申请号：US18334598
申请日：2023-06-14
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Daniel Lam Tin Cheung , Asgar Maleki , Kevin Yuen , Danielle Marie Mullenax
CPC classification number: G06Q20/24 , G06Q20/3223 , G06Q20/409 , G06Q20/227 , G06Q20/36 , G06Q20/4014
Abstract: The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying a request to perform a credit application process associated with a particular user via a client application. A first signal can be transmitted that includes a redirect instruction for the client application to a credit application site to perform a credit application process. A second signal can be transmitted that includes a merchant-specific identifier of the particular user and a request to perform the credit application process. A third signal can be received from the credit application site that includes an approval, a payment credential associated with a newly created credit account, and the merchant-specific identifier of the particular user. The payment credential can be associated with the user profile of the user corresponding to the merchant-specific identifier.
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