公开(公告)号：US12169845B2

公开(公告)日：2024-12-17

申请号：US17469312

申请日：2021-09-08

Applicant: The Toronto-Dominion Bank

Inventor： Christopher Mark Jones ,  Barry Wayne Baird, Jr. ,  Claude Bernell Lawrence, Jr. ,  Jonathan Joseph Prendergast

IPC: G06Q30/0217 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q30/0282

Abstract: The disclosed exemplary embodiments include computer-implemented processes that assess initiated data exchanges in real-time based on structured messaging data. In some examples, an apparatus may receive a message associated with an exchange of data involving a first counterparty and a second counterparty and characterizing a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine a first identifier of the first counterparty based on elements of the message data disposed within corresponding message fields, and transmit notification data to a device operable by the second counterparty, which may present portions of the notification data within a digital interface. The apparatus may receive review data indicative of a review associated with the data exchange from the device, and store the first identifier and the review data in a data repository.

公开(公告)号：US12118554B2

公开(公告)日：2024-10-15

申请号：US17683079

申请日：2022-02-28

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  David Samuel Tax ,  Jonathan Joseph Prendergast ,  Christopher Mark Jones ,  Thomas Osman Kelly ,  Asad Joheb

IPC: G06Q30/00 ,  G06Q20/18 ,  G06Q20/40 ,  G06Q30/0601

CPC classification number: G06Q20/40145 ,  G06Q20/18 ,  G06Q30/0601

Abstract: According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises. The ambient commerce system may include a processor coupled to the one or more sensors. The ambient commerce system may include a memory coupled to the processor. The memory may store processor-executable instructions which, when executed, cause the processor to: detect, based on an output of one or more of the sensors, engagement of an entity with a restricted item; identify the entity; obtain at least a portion of a profile for the entity; determine, based on the at least a portion of the profile for the identified entity, eligibility for the entity to acquire the restricted item; and selectively generate, based on the determined eligibility for the entity, a notification on an electronic device associated with the entity.

公开(公告)号：US11907945B2

公开(公告)日：2024-02-20

申请号：US17902386

申请日：2022-09-02

Applicant: The Toronto-Dominion Bank

Inventor： Christopher Mark Jones ,  Barry Wayne Baird, Jr. ,  Claude Bernell Lawrence, Jr. ,  Jonathan Joseph Prendergast

IPC: G06Q20/32 ,  G06Q20/40 ,  G06Q20/10 ,  G06Q30/0238 ,  G06Q30/0251

CPC classification number: G06Q20/40 ,  G06Q20/10 ,  G06Q20/3224 ,  G06Q30/0238 ,  G06Q30/0261

Abstract: The disclosed embodiments include computer-implemented processes that determine, in real time, counterparty geolocation location based on structured messaging data, such as messaging data maintained within message fields of a request-for-payment (RFP) message compliant with the ISO 20022. For example, an apparatus may receive a RFP message that includes message data associated with a transaction involving first and second counterparties, and the RFP message may characterize a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine a geographic position of the first counterparty based the message data, and based on the first geographic position, transmit notification data to a device operable by the second counterparty. The notification data may cause the device to present digital content associated with at least one of the transaction, the first counterparty, or the second counterparty within a digital interface.

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

Inventor： Jonathan Joseph Prendergast ,  Christopher Mark Jones ,  Thomas Osman Kelly

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.

公开(公告)号：US11487693B2

公开(公告)日：2022-11-01

申请号：US17182557

申请日：2021-02-23

Applicant: The Toronto-Dominion Bank

Inventor： Christopher Mark Jones ,  Barry Wayne Baird, Jr. ,  Claude Bernell Lawrence, Jr. ,  Jonathan Joseph Prendergast

IPC: G06F13/40 ,  G06F9/50 ,  H04L67/60 ,  H04L67/62

Abstract: Methods and devices are provided for executing a data transfer based on one or more data transfer definitions. A signal representing a data transfer request is received from a first computing device. The data transfer request includes at least an identifier defining what is requested to be transferred. A notification of the data transfer request is sent to a second computing device. An interface including a plurality of interface elements for providing one or more data transfer definitions is sent to the second computing device. The interface includes at least one interface element that is pre-populated based on the data transfer request, and at least one interface element providing an option to define a time of day for a data transfer. The one or more data transfer definitions are received from the second computing device and the data transfer is executed based on the one or more data transfer definitions.

公开(公告)号：US11468443B2

公开(公告)日：2022-10-11

申请号：US17082587

申请日：2020-10-28

Applicant: The Toronto-Dominion Bank

Inventor： Christopher Mark Jones ,  Barry Wayne Baird, Jr. ,  Claude Bernell Lawrence, Jr. ,  Jonathan Joseph Prendergast

IPC: G06Q20/32 ,  G06Q20/40 ,  G06Q20/10 ,  G06Q30/02

Abstract: The disclosed embodiments include computer-implemented processes that determine, in real time, counterparty geolocation location based on structured messaging data, such as messaging data maintained within message fields of a request-for-payment (RFP) message compliant with the ISO 20022. For example, an apparatus may receive a RFP message that includes message data associated with a transaction involving first and second counterparties, and the RFP message may characterize a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine a geographic position of the first counterparty based the message data, and based on the first geographic position, transmit notification data to a device operable by the second counterparty. The notification data may cause the device to present digital content associated with at least one of the transaction, the first counterparty, or the second counterparty within a digital interface.