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    SYSTEMS AND METHODS FOR PROVIDING POPULATED TRANSACTION INTERFACES BASED ON USER-GENERATED TRIGGERS
    11.
    发明申请
    SYSTEMS AND METHODS FOR PROVIDING POPULATED TRANSACTION INTERFACES BASED ON USER-GENERATED TRIGGERS 审中-公开
    基于用户生成的触发器提供人口交易界面的系统和方法

    公开(公告)号：US20150262181A1

    公开(公告)日：2015-09-17

    申请号：US14656519

    申请日：2015-03-12

    Applicant: The Toronto-Dominion Bank

    Inventor： Steve GERVAIS ,  Eric KAISER ,  Peter HORVATH ,  Andrew CHAK ,  Christianne MORETTI ,  Lauren VAN HEERDEN ,  Orin DEL VECCHIO ,  Gunalan NADARAJAH ,  Tommy PHUNG

    IPC: G06Q20/40 ,  G06Q20/10

    CPC classification number: G06Q20/405 ,  G06Q20/10

    Abstract: The disclosed embodiments include methods and systems that automatically populate interfaces facilitating electronic transactions. In one embodiment, a system may detect an action of a first user that triggers an account transfer transaction. The system may also determine a first account associated with the first user based on the detected action, and determine a second account based on the detected action and a set of rules associated with the first user. The system may generate, based on the detected event and the set of rules, first information used to provide prefilled content identifying the first account as a source account and the determined second account as a destination account. The system may also generate, in response to an authorization, second information used to provide second content including a notification that a transfer of funds from the first account to the second account has occurred.

    Abstract translation: 所公开的实施例包括自动填充促进电子交易的界面的方法和系统。 在一个实施例中，系统可以检测触发帐户转移交易的第一用户的动作。 系统还可以基于检测到的动作来确定与第一用户相关联的第一帐户，并且基于检测到的动作和与第一用户相关联的一组规则来确定第二帐户。 系统可以基于检测到的事件和规则集合生成用于提供预先识别第一帐户作为源帐户的预填充内容的第一信息，以及确定的第二帐户作为目的地帐户。 系统还可以响应于授权而生成用于提供第二内容的第二信息，所述第二内容包括发生从第一帐户到第二帐户的资金转移的通知。

    AUTHORIZATION SYSTEM USING PARTIAL CARD NUMBERS
    12.
    发明申请
    AUTHORIZATION SYSTEM USING PARTIAL CARD NUMBERS 审中-公开

    公开(公告)号：US20200327513A1

    公开(公告)日：2020-10-15

    申请号：US16914660

    申请日：2020-06-29

    Applicant: The Toronto-Dominion Bank

    Inventor： HISHAM SALAMA ,  Lauren VAN HEERDEN ,  Ian SUNDBERG ,  Anand KANNAN ,  Orin DEL VECCHIO

    IPC: G06Q20/10 ,  G06Q20/40

    Abstract: An authorization system includes a database, and at least one computer server in communication with the database. The database includes a plurality of database records, each including an account number and an associated card number. Each card number has fewer digits than the associated account number. The server is configured to receive, from a communications terminal, a request message that initiates a transaction with the server. The server is configured to request an authentication credential from the terminal, and in the database locate the card number that matches the received authentication credential and locate the account number that is associated with the located card number. The server is configured to request authorization of a test transaction using the account number, receive an authorization response confirming authorization of the test transaction, and authorize the initiated transaction in response to the authorization response. The test transaction is different from the initiated transaction.

    SYSTEMS AND METHODS FOR PROVIDING SENSOR-BASED LOCATION PROXIMITY DETECTION AND NOTIFICATION
    13.
    发明申请
    SYSTEMS AND METHODS FOR PROVIDING SENSOR-BASED LOCATION PROXIMITY DETECTION AND NOTIFICATION 有权
    用于提供基于传感器的位置临近检测和通知的系统和方法

    公开(公告)号：US20160014564A1

    公开(公告)日：2016-01-14

    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

    IPC: H04W4/02 ,  G06Q10/10

    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.

    Abstract translation: 所公开的实施例包括用于基于由网络设备收集的监视的传感器数据提供与地理边界相关的通知的方法和系统。 所公开的实施例包括例如监视从一个或多个触发装置接收的位置传感器数据的方法。 该方法可以基于一个或多个边界范围参数来计算限定第一边界的地理区域的第一边界范围。 该方法还可以检测触发条件的发生，其触发包括第一位置的地理区域内的客户端设备或至少一个触发设备的至少一个的移动。 响应于检测到的触发事件，可以为事件建立修改的启动时间或第二位置中的至少一个，其可以提供给客户端并且触发通知中的设备。

    SYSTEMS AND METHODS FOR AUTHENTICATING USERS OF NETWORKED COMPUTER SYSTEMS BASED ON NON-CREDENTIALED INFORMATION
    14.
    发明申请
    SYSTEMS AND METHODS FOR AUTHENTICATING USERS OF NETWORKED COMPUTER SYSTEMS BASED ON NON-CREDENTIALED INFORMATION 审中-公开
    基于非认证信息认证网络计算机系统用户的系统和方法

    公开(公告)号：US20160012427A1

    公开(公告)日：2016-01-14

    申请号：US14795584

    申请日：2015-07-09

    Applicant: The Toronto-Dominion Bank

    Inventor： Lauren VAN HEERDEN ,  Orin DEL VECCHIO ,  Gunalan NADARAJAH ,  Paul Mon-Wah CHAN ,  Jonathan K. BARNETT ,  Jakub DANIELAK ,  Roisin FRITZ ,  John Jong Suk LEE ,  Hashmi T. SHAKILA

    IPC: G06Q20/38 ,  G06Q50/00 ,  H04L29/06

    CPC classification number: G06Q20/382 ,  G06Q20/3224 ,  G06Q50/01 ,  H04L63/08 ,  H04L63/0853 ,  H04L63/107

    Abstract: The disclosed embodiments include computerized methods and systems for authenticating user identity based on non-credentialed information. For example, in response to a request from a device of a user for a service performable by one or more networked computer systems, the disclosed embodiments may identify one or more public and private sources of non-credentialed information. The disclosed embodiments may also transmit messages to devices of the individuals requesting non-credentialed information associated with the user, and based on the received responses, may verify an identity of the user based on at least a portion of the received non-credentialed information. Further, in some aspects, non-credentialed authentication processes consistent with the disclosed embodiments may reduce an ability of malicious parties to attach or hack into the one or more networked computer systems.

    Abstract translation: 所公开的实施例包括用于基于非认证信息来认证用户身份的计算机化方法和系统。 例如，响应于来自用户的设备对由一个或多个联网的计算机系统可执行的服务的请求，所公开的实施例可以标识一个或多个公有和私有的非认证信息源。 所公开的实施例还可以向请求与用户相关联的非认证信息的个人的设备发送消息，并且基于所接收的响应，可以基于所接收的非认证信息的至少一部分来验证用户的身份。 此外，在一些方面，与公开的实施例一致的非认证认证处理可以降低恶意方附加或攻击到一个或多个联网的计算机系统中的能力。

    SYSTEMS AND METHODS FOR PROVIDING MERCHANT FRAUD ALERTS
    15.
    发明申请
    SYSTEMS AND METHODS FOR PROVIDING MERCHANT FRAUD ALERTS 审中-公开
    用于提供商业欺诈警报的系统和方法

    公开(公告)号：US20150348042A1

    公开(公告)日：2015-12-03

    申请号：US14723331

    申请日：2015-05-27

    Applicant: The Toronto-Dominion Bank

    Inventor： Salim JIVRAJ ,  Lauren VAN HEERDEN ,  Michael D. CUMMINS ,  Prabaharan SIVASHANMUGAM ,  Gerald JESCHKE ,  Andrew CHAK ,  Mike STEPHENSON ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Orin DEL VECCHIO

    IPC: G06Q20/40 ,  G06Q20/32

    CPC classification number: G06Q20/4016 ,  G06Q20/322

    Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.

    Abstract translation: 移动通信设备，系统和方法被提供用于在用户执行与商家的交易之前识别与商家相关联的欺诈活动的风险。 在一个实施例中，移动通信设备获得识别与商家相关联的欺诈活动的先前实例的第一信息。 移动通信设备可以基于所获得的第一信息来确定与商家相关联的欺诈活动的风险级别，并且可以基于所确定的风险级别来识别一个或多个支付工具以及适合涉及金融服务交易的金融服务交易的相关激励 商人。 移动通信设备可以在用户和商家之间的交易执行之前向用户呈现包括所识别的支付工具和相关联的激励的通知。

    SYSTEMS AND METHODS FOR VERIFYING USER IDENTITY BASED ON SOCIAL MEDIA MESSAGING
    19.
    发明申请
    SYSTEMS AND METHODS FOR VERIFYING USER IDENTITY BASED ON SOCIAL MEDIA MESSAGING 审中-公开
    基于社会媒体消息来验证用户身份的系统和方法

    公开(公告)号：US20170039652A1

    公开(公告)日：2017-02-09

    申请号：US14874180

    申请日：2015-10-02

    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: G06Q40/06 ,  H04L29/08 ,  H04L29/06 ,  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 automatically verify an identity of a user based on social media messaging. In an embodiment, an apparatus identifies a first social media message associated with a social networking account of a user and generated by a device of the user. The apparatus may generate may extract authentication data from the first social media message, and may verify an identity of the user based on a correspondence between the extracted authentication data and at least a portion of stored user profile. In response to the verification, the apparatus may generate one or more electronic commands to initiate an action involving one or more securities.

    Abstract translation: 所公开的实施例包括基于社交媒体消息传送自动验证用户身份的计算机化方法和系统。 在一个实施例中，装置识别与用户的社交网络帐户相关联并由用户的设备生成的第一社交媒体消息。 设备可以生成可以从第一社交媒体消息提取认证数据，并且可以基于所提取的认证数据与存储的用户简档的至少一部分之间的对应关系来验证用户的身份。 响应于验证，设备可以生成一个或多个电子命令来发起涉及一个或多个证券的动作。

    SYSTEMS AND METHODS FOR AUTHENTICATING USER IDENTITIES IN NETWORKED COMPUTER SYSTEMS
    20.
    发明申请
    SYSTEMS AND METHODS FOR AUTHENTICATING USER IDENTITIES IN NETWORKED COMPUTER SYSTEMS 审中-公开
    用于在网络计算机系统中认证用户标识的系统和方法

    公开(公告)号：US20160027009A1

    公开(公告)日：2016-01-28

    申请号：US14747868

    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

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

    CPC classification number: G06Q20/401 ,  G06Q20/202 ,  G06Q20/38215 ,  H04L63/083 ,  H04L63/0861

    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.

    Abstract translation: 所公开的实施例包括用于认证用户的方法和销售点终端。 所公开的实施例包括例如用于由一个或多个处理器接收来自认证网络的认证数据的方法，所述认证数据包括识别与认证伙伴系统相关联的认证交易的认证代码。 所述方法还可以包括通过所述一个或多个处理器验证所述认证数据，所述验证包括将所述认证数据与对应于与所述用户相关联的先前认证事件的验证数据进行比较。 所述方法还可以包括由所述一个或多个处理器基于所述验证​​生成所述验证信息，所述验证信息包括是否验证所述认证交易的用户的确定。 所述方法还可以包括由所述一个或多个处理器将所述验证信息提供给所述认证网络。

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