公开(公告)号：US20170124541A1

公开(公告)日：2017-05-04

申请号：US15286094

申请日：2016-10-05

Applicant: The Toronto-Dominion Bank

Inventor： Garima Aggarwal ,  Jonathan K. Barnett ,  Roisin Lara Fritz ,  Robert Kyle Miller ,  Paul Mon-Wah Chan ,  John Jong-Suk Lee ,  Orin DelVecchio

IPC: G06Q20/10 ,  G06Q20/14 ,  G06Q20/40

CPC classification number: G06Q20/102 ,  G06Q20/085 ,  G06Q20/145 ,  G06Q20/40

Abstract: The present disclosure involves systems, software, and computer-implemented methods for implementing a data transfer control based on information received from connected devices. In one instance, operations include loading an expected usage amount for a group of connected devices. Signals representing actual usage amounts associated with the group are received from at least device in the group. The actual usage amounts can be compared to the expected usage amount. An authorization of at least one payment-related action associated with the at least one group of connected devices is automatically transmitted to a payment system in response to determining that the usage amount is less than or equal to the expected amount, and at least one instruction to perform a corrective action associated with the group is automatically transmitted to at least one connected device of the group in response to determining that the actual amount exceeds the expected amount.

公开(公告)号：US20170076408A1

公开(公告)日：2017-03-16

申请号：US15265270

申请日：2016-09-14

Applicant: The Toronto-Dominion Bank

Inventor： Roy D'Souza ,  Roisin Lara Fritz ,  Jonathan K. Barnett ,  Paul Mon-Wah Chan ,  John Jong-Suk Lee ,  Orin Del Vecchio

IPC: G06Q50/16 ,  G06Q10/00

CPC classification number: G06Q40/00 ,  G06Q10/109 ,  G06Q10/20 ,  G06Q20/10 ,  G06Q50/08 ,  G06Q50/163

Abstract: The present disclosure involves systems and computer implemented methods for performing a connected device-based property evaluation. In one example, operations include identifying a property associated with an initial price and collecting information about the property by receiving information from one or more connected devices associated with the property. The one or more connected devices can each have a sensor for monitoring a condition within the property, and can providing information about the condition to the connected device, where the information is associated with a current status of the identified property. At least one action to be performed at the property based on the collected information is determined, with each action corresponding to an element at the property. An aggregate set of cost information associated with each determined action is determined and combined with the initial price to determine a modified purchase price. The modified price is then presented.

Abstract translation: 本公开涉及用于执行基于连接的基于设备的属性评估的系统和计算机实现的方法。 在一个示例中，操作包括识别与初始价格相关联的属性，并且通过从与该属性相关联的一个或多个连接的设备接收信息来收集关于该属性的信息。 一个或多个连接的设备可以各自具有用于监视属性内的状况的传感器，并且可以向所连接的设备提供关于条件的信息，其中信息与所识别的属性的当前状态相关联。 确定基于收集的信息在属性上执行的至少一个动作，每个动作对应于该属性的元素。 确定与每个确定的动作相关联的一组总成本信息，并将其与初始价格组合以确定修改的购买价格。 然后提出修改后的价格。

公开(公告)号：US20170039608A1

公开(公告)日：2017-02-09

申请号：US15228705

申请日：2016-08-04

Applicant: The Toronto-Dominion Bank

Inventor： Bruno Sandre ,  Matthew Hamilton ,  Jonathan K. Barnett ,  Paul Mon-Wah Chan ,  John Jong Suk Lee ,  Orin Del Vecchio

IPC: G06Q30/06 ,  G06Q40/04 ,  H04L12/58

CPC classification number: G06Q40/04 ,  G06Q40/06 ,  G06Q50/01 ,  H04L41/22 ,  H04L51/32 ,  H04L63/083 ,  H04L63/101 ,  H04L63/102 ,  H04L63/126 ,  H04L67/12 ,  H04L67/306

Abstract: The disclosed embodiments include computerized methods and systems that facilitate automate trade-order entry and execution based on social media messaging. In one embodiment, an apparatus may receive, from a social-networking service, social media data that includes various social media messages associated with social-networking accounts of various users. The apparatus may detect an occurrence of a predetermined element of content within a first social media message associated with a social networking account of a first user, and may extract data identifying at least one parameter of an action from the first social media message. The apparatus may generate proposed transaction parameters that include the at least one extracted action parameter, and in response to a confirmation of the proposed transaction parameters, the apparatus may generate one or more electronic commands to initiate a performance of the action in accordance with the confirmed transaction parameters.

Abstract translation: 所公开的实施例包括促进基于社交媒体消息传送的自动交易订单输入和执行的计算机化方法和系统。 在一个实施例中，设备可以从社交网络服务接收包括与各种用户的社交网络帐户相关联的各种社交媒体消息的社交媒体数据。 该装置可以检测与第一用户的社交网络帐户相关联的第一社交媒体消息内的预定内容元素的出现，并且可以从第一社交媒体消息中提取识别动作的至少一个参数的数据。 该装置可以生成包括至少一个提取的动作参数的建议的交易参数，并且响应于所提出的交易参数的确认，该装置可以生成一个或多个电子命令，以根据所确认的动作来发起动作的执行 交易参数。

公开(公告)号：US20160337221A1

公开(公告)日：2016-11-17

申请号：US15152297

申请日：2016-05-11

Applicant: The Toronto-Dominion Bank

Inventor： Evan Cohen ,  Kevin Mari ,  Matthew Hamilton ,  Jonathan K. Barnett ,  Paul Mon-Wah Chan ,  John Jong-Suk Lee

IPC: H04L12/26 ,  H04L29/08 ,  H04L12/911

CPC classification number: H04L43/0876 ,  H04L12/283 ,  H04L41/0896 ,  H04L47/70 ,  H04L67/10 ,  H04M15/88 ,  H04W4/70 ,  H04W24/08

Abstract: The present disclosure involves systems and computer implemented methods for implementing a resource allocation. One example method is performed by identifying a resource allocation associated with the device hub, the resource allocation defining an expected resource usage associated with a connected device and a non-connected device. Resource usage information associated with the connected device is monitored, where usage information associated with the non-connected device is calculated based on a difference between a total resource usage identified by the device hub and the resource usage information associated with the connected device. The resource usage information is compared to the resource allocation, and in response to the comparison and a determination that the non-connected device exceeded the resource allocation associated with the non-connected device, an adjustment in operation for the connected device associated with the device hub is calculated. An instruction is transmitted to the connected device to perform the calculated adjustment.

Abstract translation: 本公开涉及用于实现资源分配的系统和计算机实现的方法。 通过识别与设备集线器相关联的资源分配来执行一个示例性方法，所述资源分配定义与连接的设备和未连接的设备相关联的预期资源使用。 监视与连接的设备相关联的资源使用信息，其中基于由设备集线器识别的总资源使用与与连接的设备相关联的资源使用信息之间的差异来计算与非连接设备相关联的使用信息。 将资源使用信息与资源分配进行比较，并且响应于比较以及非连接设备超过与非连接设备相关联的资源分配的确定，对与设备相关联的连接设备的操作进行调整 枢纽计算。 指令被发送到所连接的设备以​​执行计算的调整。

公开(公告)号：US11841913B2

公开(公告)日：2023-12-12

申请号：US17829640

申请日：2022-06-01

Applicant: The Toronto-Dominion Bank

Inventor： Patrick Gibbon ,  James Zachary Pryor ,  Jonathan K. Barnett ,  Roy D'Souza ,  William Stewart James Law ,  Christopher Arthur Holland McAlpine ,  Ethan Christopher McAlpine ,  Maria Verna ,  Patrick Robert Goralski ,  Cathleen Ruth Carrel ,  Rohan Anand ,  Christy Ann Dyba ,  Dheeraj Jagtiani ,  Ali Hafezi ,  Ashkan Alavi-Harati

IPC: G06F16/9535 ,  G06Q30/0601 ,  G06Q50/16

CPC classification number: G06F16/9535 ,  G06Q30/0625 ,  G06Q50/16

Abstract: A system and method are provided for controlling visibility of elements of displayed electronic content. The method includes providing via a communications module a user interface viewable by a plurality of entity devices, and enabling via the communications module the user interface to display electronic content comprising at least one element. The method also includes determining at least one filtering criterion for controlling visibility of the at least one element of the electronic content being displayed, and concealing or modifying at least one element of the electronic content as displayed in the user interface for at least one of the plurality of entity devices, according to the at least one filtering criterion.

公开(公告)号：US11475450B2

公开(公告)日：2022-10-18

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

IPC: G06Q20/40 ,  G06Q20/20 ,  G06Q20/38 ,  H04L9/40

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.

公开(公告)号：US11379546B2

公开(公告)日：2022-07-05

申请号：US16370612

申请日：2019-03-29

Applicant: The Toronto-Dominion Bank

Inventor： Patrick Gibbon ,  James Zachary Pryor ,  Jonathan K. Barnett ,  Roy D'Souza ,  William Stewart James Law ,  Christopher Arthur Holland McAlpine ,  Ethan Christopher McAlpine ,  Maria Verna ,  Patrick Robert Goralski ,  Cathleen Ruth Carrel ,  Rohan Anand ,  Christy Ann Dyba ,  Dheeraj Jagtiani ,  Ali Hafezi ,  Ashkan Alavi-Harati

IPC: G06F16/9535 ,  G06Q30/06 ,  G06Q50/16

Abstract: A system and method are provided for controlling visibility of elements of displayed electronic content. The method includes providing via a communications module a user interface viewable by a plurality of entity devices, and enabling via the communications module the user interface to display electronic content comprising at least one element. The method also includes determining at least one filtering criterion for controlling visibility of the at least one element of the electronic content being displayed, and concealing or modifying at least one element of the electronic content as displayed in the user interface for at least one of the plurality of entity devices, according to the at least one filtering criterion.

公开(公告)号：US11108667B2

公开(公告)日：2021-08-31

申请号：US16506660

申请日：2019-07-09

Applicant: The Toronto-Dominion Bank

Inventor： Evan Cohen ,  Kevin Mari ,  Matthew Hamilton ,  Jonathan K. Barnett ,  Paul Mon-Wah Chan ,  John Jong-Suk Lee

IPC: H04L12/26 ,  H04M15/00 ,  H04L12/24 ,  H04L12/28 ,  H04L12/911 ,  H04L29/08 ,  H04W24/08 ,  H04W4/70

Abstract: The present disclosure involves systems and computer implemented methods for implementing a resource allocation and adjusting resource usage and spending based on information received from a plurality of network-connected devices. One example method includes identifying a new connected device replacing an existing device associated with a resource allocation, the resource allocation defining an expected resource usage for a plurality of devices (including the existing device), obtaining historical resource usage information associated with the existing device, identifying the existing device's operational parameters, and determining an expected resource usage for the new connected device after replacement. A change in the expected resource usage in the resource allocation is calculated based on the obtained historical resource usage information associated with the existing device and the expected resource usage amount for the new connected device. The master resource allocation is then updated based on the calculated change.

公开(公告)号：US10938700B2

公开(公告)日：2021-03-02

申请号：US15152297

申请日：2016-05-11

Applicant: The Toronto-Dominion Bank

Inventor： Evan Cohen ,  Kevin Mari ,  Matthew Hamilton ,  Jonathan K. Barnett ,  Paul Mon-Wah Chan ,  John Jong-Suk Lee

IPC: G06F15/173 ,  H04L12/26 ,  H04M15/00 ,  H04L12/24 ,  H04L12/28 ,  H04L12/911 ,  H04L29/08 ,  H04W24/08 ,  H04W4/70

Abstract: The present disclosure involves systems and computer implemented methods for implementing a resource allocation. One example method is performed by identifying a resource allocation associated with the device hub, the resource allocation defining an expected resource usage associated with a connected device and a non-connected device. Resource usage information associated with the connected device is monitored, where usage information associated with the non-connected device is calculated based on a difference between a total resource usage identified by the device hub and the resource usage information associated with the connected device. The resource usage information is compared to the resource allocation, and in response to the comparison and a determination that the non-connected device exceeded the resource allocation associated with the non-connected device, an adjustment in operation for the connected device associated with the device hub is calculated. An instruction is transmitted to the connected device to perform the calculated adjustment.

公开(公告)号：US10706465B2

公开(公告)日：2020-07-07

申请号：US15265318

申请日：2016-09-14

Applicant: The Toronto-Dominion Bank

Inventor： Roy D'Souza ,  Roisin Lara Fritz ,  Jonathan K. Barnett ,  Paul Mon-Wah Chan ,  John Jong-Suk Lee

IPC: G06Q20/10 ,  G06Q50/08 ,  G06Q40/00 ,  G06Q10/10 ,  G06Q50/16 ,  G06Q10/00

Abstract: The present disclosure involves systems and computer implemented methods for performing a connected device-based property evaluation. In one example, system operations include identifying a construction schedule associated with a particular property, the construction schedule including at least one construction event for the property. A disbursement schedule associated with the construction schedule and the property are identified, wherein the disbursement schedule defines construction events that trigger at least a partial disbursement of funds associated with the construction. Connected devices associated with the property are associated to one or more of the construction events, and a set of data characteristics associated with the one or more connected devices are defined that correspond to particular construction events. Outputs from the connected devices are then monitored during construction, and, in response to a determination that the monitored outputs match the defined data characteristics corresponding to particular construction events, a corresponding fund disbursement is initiated.