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公开(公告)号：US11227275B2
公开(公告)日：2022-01-18
申请号：US15695628
申请日：2017-09-05
Applicant: The Toronto-Dominion Bank
Inventor： Lauren Van Heerden , Prabaharan Sivashanmugam , Dino D'Agostino , Michael D. Cummins , Orin Del Vecchio , Gunalan Nadarajah , Steven Robert Langham
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.
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公开(公告)号：US10540720B2
公开(公告)日：2020-01-21
申请号：US14504250
申请日：2014-10-01
Applicant: The Toronto-Dominion Bank
Inventor： Michael E. Globe , Mazin Al-Samadi , Lauren Van Heerden , Gunalan Nadarajah , Orin Del Vecchio , Michael D. Cummins , Prabaharan Sivashanmugam
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.
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公开(公告)号：US10089626B2
公开(公告)日：2018-10-02
申请号：US14747895
申请日：2015-06-23
Applicant: The Toronto-Dominion Bank
Inventor： 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
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. The method may also include providing, by the one or more processors, the validation information to the authentication network.
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公开(公告)号：US20160012469A1
公开(公告)日：2016-01-14
申请号：US14796746
申请日：2015-07-10
Applicant: THE TORONTO-DOMINION BANK
Inventor： Lauren van Heerden , Orin Del Vecchio , Gunalan Nadarajah , Paul Mon-Wah Chan , Steve Robert Langham , Jonathan K. Barnett , Jakub Danielak , Roisin Fritz , John Jong Suk Lee , Rob Miller , Ashraf Metwalli
CPC classification number: G06Q30/0226 , G06Q20/387
Abstract: A method of effecting an incentive transaction involves a computer server receiving a transaction notification message that identifies a financial transaction. The server is in communication with a database of incentive plans, each comprising a plan definition that defines an incentive transaction to be transacted with an incentive account. Each plan is associated with plan participants by participant identifiers. Each participant identifier is uniquely associated with their plan participant. The incentive account is jointly associated with the plurality of plan participants. The notification message includes a product code and the participant identifier of one plan participant. The server identifies an incentive plan applicable to the financial transaction from a correlation with the participant identifier, determines an incentive amount from the product code and the incentive plan definition of the applicable incentive plan, and initiates the incentive transaction for the incentive amount with the incentive account of the applicable incentive plan.
Abstract translation: 实施激励交易的方法涉及计算机服务器接收识别金融交易的交易通知消息。 服务器与激励计划数据库进行通信，每个激励计划都包含一个计划定义，该计划定义定义了与激励账户交易的激励交易。 每个计划都由参与者标识符与计划参与者相关联。 每个参与者标识符与其计划参与者唯一相关联。 激励账户与多个计划参与者共同关联。 通知消息包括产品代码和一个计划参与者的参与者标识符。 服务器根据与参与者标识符的相关性，确定适用于金融交易的激励计划，确定产品代码的激励金额和适用激励计划的激励计划定义，并激励激励金额激励交易 说明适用的激励计划。
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15.发明申请公开(公告)号：US20150213521A1
公开(公告)日：2015-07-30
申请号：US14610018
申请日：2015-01-30
Applicant: The Toronto-Dominion Bank
Inventor： Prabaharan Sivashanmugam , Michael D. Cummins , Lauren Van Heerden , Gunalan Nadarajah , Orin Del Vecchio , Talvis Pierre Love
IPC: G06Q30/02
CPC classification number: G06Q30/0282
Abstract: Online reviews present a wealth of information for consumers to consider when making purchase decisions. Consumers however, can be disadvantaged by an inability to determine the usefulness of reviews, the wealth of information thus providing marginal utility. Where consumers can establish an affinity or trust with a reviewer, the usefulness of a review can be vetted against the perspective of the consumer, assisting consumers in making purchase decisions with greater confidence and reliability. Social media further supports consumers by providing a convenient pool of reviewers with whom a consumer may already have pre-existing relationships or familiarity with, bolstering the ability of the consumer to establish an affinity or trust with the reviewer. An adaptive influence process provides a method for consumers to adapt such a collection of reviews, and tailor them to the consumer's own perspective to assist in making purchase decisions with greater confidence.
Abstract translation: 在线评论提供了大量信息，供消费者在做出购买决定时考虑。 然而，消费者可能由于无法确定审查的有用性而处于不利地位，所以信息的丰富因此提供了边际效用。 在消费者与审查者建立亲和力或信任度的情况下，审查的有用性可以从消费者的角度审视，协助消费者以更大的信心和可靠性做出购买决定。 社会媒体通过提供一个方便的审查者池来支持消费者，消费者可能已经与消费者已经存在先前存在的关系或熟悉，加强了消费者与审阅者建立亲和力或信任的能力。 适应性影响过程为消费者提供了一种适应这样的评论集的方法，并将其定制为消费者自己的观点，以更有信心地协助做出购买决定。
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Patent Agency Ranking
公开(公告)号：US20140337171A1
公开(公告)日：2014-11-13
申请号：US14273500
申请日：2014-05-08
Applicant: The Toronto-Dominion Bank
Inventor： Prabaharan SIVASHANMUGAM , Lauren Van Heerden , Michael D. Cummins , Orin Del Vecchio , Gunalan Nadarajah
CPC classification number: G06Q30/0609 , G06Q20/4016
Abstract: A system, method and computer program product that is capable of determining respective merchant behaviour scores and consumer behaviour scores. Merchant locations (e.g. point of purchase or other geographic or virtual locations), in association with which merchants and consumers conduct transactions, can be used to enhance behaviour scoring capabilities. A merchant location may be attributed a merchant behaviour score such as one determined in accordance with consumer behaviour/financial/risk metrics of consumers who conduct transactions with the location. A specific consumer may be attributed a consumer behaviour score determined in accordance with the respective merchant behaviour scores of locations with which the specific consumer conducts transactions.
Abstract translation: 能够确定各商家行为得分和消费者行为得分的系统，方法和计算机程序产品。 与商家和消费者进行交易相关联的商家位置（例如购买点或其他地理位置或虚拟位置）可用于增强行为评分能力。 商户位置可以归因于商人行为得分，例如根据与该位置进行交易的消费者的消费者行为/金融/风险度量确定的。 特定消费者可以归因于根据特定消费者进行交易的位置的相应商家行为得分确定的消费者行为得分。
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公开(公告)号：US10803516B2
公开(公告)日：2020-10-13
申请号：US16212808
申请日：2018-12-07
Applicant: The Toronto-Dominion Bank
Inventor： Jonathan K. Barnett , Lauren Van Heerden , Orin Del Vecchio , Gunalan Nadarajah , John Barbon , Paul Mon-Wah Chan , Jakub Danielak , Christianne Moretti , Matthew Hamilton
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.
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公开(公告)号：US20190026739A1
公开(公告)日：2019-01-24
申请号：US16139347
申请日：2018-09-24
Applicant: The Toronto-Dominion Bank
Inventor： 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
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. The method may also include providing, by the one or more processors, the validation information to the authentication network.
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公开(公告)号：US20160012468A1
公开(公告)日：2016-01-14
申请号：US14796681
申请日：2015-07-10
Applicant: THE TORONTO-DOMINION BANK
Inventor： Lauren van Heerden , Orin Del Vecchio , Gunalan Nadarajah , Paul Mon-Wah Chan , Steve Robert Langham , Jonathan K. Barnett , Jakub Danielak , Roisin Fritz , John Jong Suk Lee , Rob Miller , Ashraf Metwalli
CPC classification number: G06Q30/0226 , G06Q20/387
Abstract: A method of effecting an incentive transaction involves a computer server receiving a notification message that identifies a financial transaction. The server is in communication with a database of incentive plans, each comprising a plan definition that defines an incentive transaction. Each plan is associated with plan participants by participant identifiers. Each participant identifier is uniquely associated with their plan participant. The notification message includes a product code and the participant identifier of one plan participant. The server identifies an incentive plan applicable to the financial transaction from a correlation with the participant identifier, determines an incentive amount from the product code and the incentive plan definition of the applicable incentive plan, and initiates the incentive transaction for the incentive amount with a first financial account associated with the one plan participant and with a second financial account associated with another of the plan participants of the applicable incentive plan.
Abstract translation: 实施激励交易的方法涉及计算机服务器接收识别金融交易的通知消息。 服务器与激励计划的数据库进行通信，每个都包含定义激励交易的计划定义。 每个计划都由参与者标识符与计划参与者相关联。 每个参与者标识符与其计划参与者唯一相关联。 通知消息包括产品代码和一个计划参与者的参与者标识符。 服务器根据与参与者标识符的相关性，确定适用于金融交易的激励计划，从产品代码确定激励金额和适用激励计划的激励计划定义，并以第一个方式启动激励金额激励交易 与一个计划参与者相关联的财务帐户，以及与适用激励计划的另一计划参与者相关联的第二个财务帐户。
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20.发明申请SYSTEMS AND METHODS FOR PROVIDING SECURE DATA TRANSMISSION BETWEEN NETWORKED COMPUTING SYSTEMS 审中-公开网络计算系统之间提供安全数据传输的系统和方法公开(公告)号：US20160012428A1
公开(公告)日：2016-01-14
申请号：US14796512
申请日：2015-07-10
Applicant: The Toronto-dominion Bank
Inventor： Perry Haldenby , John Jong Suk Lee , Paul Mon-Wah Chan , Jenny Lin , Michael D. Cummins , Lauren Van Heerden , Prabaharan Sivashanmugam , Orin Del Vecchio , Gunalan Nadarajah
IPC: G06Q20/38
CPC classification number: G06Q20/3572 , G06Q20/34 , G06Q20/354 , G06Q20/383
Abstract: The disclosed embodiments include methods and systems that provide secure data transmission between networked computing systems by obfuscating sensitive customer account data with placeholder account data generated in real-time and without customer intervention. The disclosed embodiments may include a computerized device that monitors user input to detect an initiation of a purchase transaction at a merchant, and upon detection of the initiated purchase transaction, may obtain a placeholder account suitable for use in the purchase transaction and capable of masking a user's sensitive account information without user intervention. In some instances, a system of a financial institution may activate and fund the placeholder account in real time and in an amount consistent with a transaction amount of the purchase transaction. Devices consistent with the disclosed embodiments may request execution of the initiated purchase transaction in accordance with the activated and funded placeholder account.
Abstract translation: 所公开的实施例包括通过将敏感的客户帐户数据与实时生成并且没有客户干预的占位符帐户数据混淆来提供联网计算系统之间的安全数据传输的方法和系统。 所公开的实施例可以包括监视用户输入以检测商家的购买交易的开始的计算机化设备，并且在检测到所启动的购买交易时，可以获得适合于在购买交易中使用的占位符帐户并且能够屏蔽 用户敏感的帐户信息，无需用户干预。 在某些情况下，金融机构的系统可以实时激活和占用占位符账户，并且与购买交易的交易金额一致。 与所公开的实施例一致的装置可以根据激活和资助的占位符帐户请求执行所启动的采购交易。
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