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Patent Agency Ranking
公开(公告)号：US11790354B2
公开(公告)日：2023-10-17
申请号：US17365753
申请日：2021-07-01
Applicant: The Toronto-Dominion Bank
Inventor： Rajeev Kumar Gandhi , Robert Kyle Miller , Kushank Rastogi , David Samuel Tax , Milos Dunjic , Arthur Carroll Chow , Armon Rouhani , Maryam Karbasi , Kamana Tripathi , John Jong-Suk Lee , Arun Victor Jagga
CPC classification number: G06Q20/381 , G06N20/00
Abstract: The present disclosure involves systems, software, and computer implemented methods for a remittance system that pre-populates remittance data based on historical usage of remittance transactions. One example system includes operations to generate, using a predictive model, data indicating a predicted likelihood of a user selecting at least one data exchange transaction, wherein the data indicates the predicted likelihood of the user performing the at least one data exchange transaction. A request is received to access a remittance page. In response, the at least one data exchange transaction that was previously generated is selected from a repository of predicted likelihoods. Remittance data associated with a UI element is generated that includes the at least one data exchange transaction. The remittance data is transmitted to the device. An indication from the device is received for interacting with the UI element. The data exchange transaction is executed in response to receiving the indication.
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公开(公告)号：US11734684B2
公开(公告)日：2023-08-22
申请号：US17400794
申请日：2021-08-12
Applicant: The Toronto-Dominion Bank
Inventor： Rajeev Kumar Gandhi , Noemi Colmenar-Miranda , Danielle Pinnock , William Joseph McLellan , Richard Titus Szvath , Liliya Kaminskaya , Jennifer Amaral
CPC classification number: G06Q20/40 , G06Q20/24 , G06Q20/354 , G06Q20/4093 , G06Q40/02 , G06Q40/03 , G06F16/162
Abstract: An authorization control network includes at least one computer server. The server(s) receives a cardholder credential and a profile modification request from a communications device, and determines an account attribute by querying a profile database with an account identifier. The server(s) rejects the modification request if the server determines from the account attribute that a limit profile associated with the account identifier is linked to a cardholder credential other than the received cardholder credential. The server(s) then receives from a POS device an authorization request that includes the account identifier and an authorization value. If the server(s) determines that the authorization value does not exceed a limit value saved in the limit profile and does not exceed a credit amount associated with the account identifier in a transactions database, the server(s) generates an authorization response confirming authorization of the authorization value, and transmits the authorization response to the POS device.
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公开(公告)号：US10862785B2
公开(公告)日：2020-12-08
申请号：US16426291
申请日：2019-05-30
Applicant: The Toronto-Dominion Bank
Inventor： Rajeev Kumar Gandhi , Julie Anne Cassidy , Ann Cynthia Eapen , John Jong-Suk Lee , Rakesh Thomas Jethwa
Abstract: The present application provides monitoring and managing usage of one or more network-connected devices over a network. The network-connected devices may include devices connected to the Internet of Things (IoT). Some aspects provide systems, methods and computing devices for: receiving usage and rate data associated with network-connected device(s); determining device expenditure data based on the usage and rate data; obtaining allocation information pertaining to a time period; updating information associated with one or more data files with the device expenditure data; comparing the updated information to the allocation information; and determining whether an allocation indicated by the allocation information for the time period is feasible.
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公开(公告)号：US10664906B2
公开(公告)日：2020-05-26
申请号：US16560288
申请日：2019-09-04
Applicant: The Toronto-Dominion Bank
Inventor： Rajeev Kumar Gandhi , Robert Kyle Miller , Paul Mon-Wah Chan , John Jong Suk Lee , Rakesh Thomas Jethwa
IPC: G06F17/00 , G06Q40/02 , G06F3/0484 , G06F3/0486
Abstract: A device and method for management of an account. An event placement timeline is displayed. Account events are shown along the timeline. A preferred event time range or “safe zone” is shown along the timeline. The “safe zone” is the portion of the month during which it is safe to schedule certain events, like bill payments, with lower risk of NSF, overdraft or the like. The user moves a movable object into the “safe zone” to reschedule the account event in the “safe zone”, and the settings of the account are modified to automatically execute the account event at that time.
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15.发明申请公开(公告)号：US20190075166A1
公开(公告)日：2019-03-07
申请号：US15695751
申请日：2017-09-05
Applicant: The Toronto-Dominion Bank
Inventor： Rajeev Kumar Gandhi , Julie Anne Cassidy , Ann Cynthia Eapen , John Jong-Suk Lee , Rakesh Thomas Jethwa
Abstract: This application provides for managing usage of network-connected device(s) over a network. Some aspects provide: determining, for at least one network-connected device, altered device setting(s) feasible for an allocation amount; and sending a signal to each network-connected device affected by the altered device setting(s) to cause each affected network-connected device to operate in accordance with the respective altered device setting(s). Once each affected network-connected device is operating in accordance with the respective altered device setting(s), adjustment of device setting(s) of one or more of the network-connected device(s), such that the allocation amount is no longer feasible, causes to be determined a further adjustment of one or more others of the device settings to maintain feasibility of the allocation amount. When an amount of the adjustment is such that the allocation amount cannot be met by the further adjustment, a variance from the allocation amount is determined.
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