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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：US20160125547A1
公开(公告)日：2016-05-05
申请号：US14871505
申请日：2015-09-30
Applicant: The Toronto-Dominion Bank
Inventor： Martin Joseph Marcel Dubeau , Jakub Danielak
IPC: G06Q40/08
Abstract: The present disclosure involves systems including a life insurance platform and a user-directed investment platform. The life insurance platform maintains a life insurance policy associated with a cash value backed by investment assets. A user-directed investment account platform maintains a user-directed investment account funded by a margin account based on the cash value of the life insurance policy. The system can determine a change in the value of the investment assets and can, in turn, modify the value of the margin account based on the change. The user-directed investment account platform can identify the modified value of the margin account and update the user-directed investment account based on the same. That platform can also provide an interface for providing information related to the user-directed investment account while also providing information related to the life insurance policy.
Abstract translation: 本公开涉及包括人寿保险平台和用户导向的投资平台的系统。 人寿保险平台维持与投资资产支持的现金价值相关的人寿保险。 用户导向的投资账户平台根据人寿保险的现金价值，维护由保证金账户资助的用户导向的投资账户。 该系统可以确定投资资产价值的变化，并可以根据变化修改保证金账户的价值。 用户导向的投资账户平台可以识别保证金账户的修改值，并基于相同的方式更新用户导向的投资账户。 该平台还可以提供用于提供与用户导向的投资账户相关的信息的界面，同时还提供与人寿保险相关的信息。
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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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Patent Agency Ranking
公开(公告)号：US20200051082A1
公开(公告)日：2020-02-13
申请号：US16655602
申请日：2019-10-17
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 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：US10248953B2
公开(公告)日：2019-04-02
申请号：US14510969
申请日：2014-10-09
Applicant: The Toronto-Dominion Bank
Inventor： Hisham I. Salama , Lauren Van Heerden , Orin Del Vecchio , Paul Mon-Wah Chan , Jonathan K. Barnett , Jakub Danielak
Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.
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公开(公告)号：US10192264B2
公开(公告)日：2019-01-29
申请号：US14802975
申请日：2015-07-17
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
IPC: G06Q40/02
Abstract: A method and system for recommending a physical location at which to complete an electronic activity are disclosed. In some examples, initiation of the electronic activity by a user at a first physical location is detected, that the electronic activity is to be completed at a physical location different from the first physical location at least in part because completion of the electronic activity requires the user and one or more other parties is determined, one or more portions of the electronic activity that remain incomplete are determined, a second physical location at which to complete the one or more incomplete portions of the electronic activity is identified, and information about the electronic activity is provided to the one or more other parties.
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18.发明授权公开(公告)号：US10176461B2
公开(公告)日：2019-01-08
申请号：US15672520
申请日：2017-08-09
Applicant: The Toronto-Dominion Bank
Inventor： Orin Del Vecchio , Lauren Van Heerden , Gunalan Nadarajah , Jonathan K. Barnett , Ashraf Metwalli , Jakub Danielak , Michael Loughry , Daniel M. Siegel , Nikolas Sawtschuk , Sultan Mehrabi , Paul Mon-Wah Chan , Matthew Hamilton , Christianne Moretti , John Barbon , John Jong-Suk Lee , Sophia Dhrolia
Abstract: The disclosed embodiments include methods and systems for providing a notification relating to a geographical boundary based on monitored sensor data collected by networked devices. The disclosed embodiments include, for example, a method that monitors positional sensor data received from one or more triggering devices. The method may calculate a first boundary extent delimiting the geographical area of the first boundary based on one or more boundary extent parameters. The method may also detect an occurrence of a triggering condition that impacts a movement of at least one of a client device or at least one of the triggering devices within a geographic region that includes the first location. In response to the detected triggering event, at least one of modified start time or a second location may be established for the event, which may be provided to the client and triggering devices in a notification.
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19.发明授权公开(公告)号：US09754492B2
公开(公告)日：2017-09-05
申请号：US14794038
申请日：2015-07-08
Applicant: The Toronto-Dominion Bank
Inventor： Orin Del Vecchio , Lauren Van Heerden , Gunalan Nadarajah , Jonathan K. Barnett , Ashraf Metwalli , Jakub Danielak , Michael Loughry , Daniel M. Siegel , Nikolas Sawtschuk , Sultan Mehrabi , Paul Mon-Wah Chan , Matthew Hamilton , Christianne Moretti , John Barbon
CPC classification number: G08G1/205 , G06Q10/109 , G08G1/20 , H04W4/022 , H04W4/023
Abstract: The disclosed embodiments include methods and systems for providing a notification relating to a geographical boundary based on monitored sensor data collected by networked devices. The disclosed embodiments include, for example, a method that monitors positional sensor data received from one or more triggering devices. The method may calculate a first boundary extent delimiting the geographical area of the first boundary based on one or more boundary extent parameters. The method may also detect an occurrence of a triggering condition that impacts a movement of at least one of a client device or at least one of the triggering devices within a geographic region that includes the first location. In response to the detected triggering event, at least one of modified start time or a second location may be established for the event, which may be provided to the client and triggering devices in a notification.
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