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21.发明申请公开(公告)号：US20250077939A1
公开(公告)日：2025-03-06
申请号：US18240882
申请日：2023-08-31
Applicant: The Toronto-Dominion Bank
Inventor： Talieh Tabatabaei , Rustam Vosilov
IPC: G06N20/00
Abstract: Systems and methods for assessing machine learning model fairness are provided. A graphical user interface (GUI) is rendered in a web browser. Input data from the web browser is obtained. A first input produced by a first GUI control is received to identify a prediction column in the input data. A second input produced by a second GUI control is received to identify a ground truth column. A third input produced by a third GUI control is received to identify a sensitive attribute column. A plurality of groups within a plurality of sensitive attribute values in the sensitive attribute column are automatically displayed. The system processes the input data based on the prediction column, the ground truth column and the sensitive attribute column to generate one or more algorithmic fairness analysis, which are used to display a visual report.
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公开(公告)号：US20250061448A1
公开(公告)日：2025-02-20
申请号：US18451296
申请日：2023-08-17
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Jonathan Joseph PRENDERGAST , Hitesh BAJAJ , Kenneth Tien Poh WONG
Abstract: Systems and methods for mitigating transaction delay risk are provided. A system may receive transaction data, including at least a transaction amount, associated with a transaction. The system may then obtain transfer credentials associated with a value transfer card, send a request for a pre-authorization hold of the transaction amount using the transfer credentials, and initiate a timer. The system may then monitor a blockchain address for receipt of cryptocurrency associated with the transaction. When the cryptocurrency is received prior to an expiration of a time period associated with the timer, the system may release at least a portion of the pre-authorization hold. When the cryptocurrency is not received prior to an expiration of a time period associated with the timer, the system may settle the pre-authorization hold.
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公开(公告)号：US20250045732A1
公开(公告)日：2025-02-06
申请号：US18365616
申请日：2023-08-04
Applicant: The Toronto-Dominion Bank
Inventor： Isaiah Jared ERB , Matthew Renold LADZIK , Matthew VOLLICK
Abstract: A computer-implemented method for managing a digital asset platform is disclosed. The method includes: obtaining asset data associated with one or more digital assets from a plurality of public blockchain networks and digital asset marketplaces; receiving, via a client device, a request to access asset data of first digital assets; and causing to be selectively displayed, via a user interface on the client device, a subset of the obtained asset data that is associated with the first digital assets.
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公开(公告)号：US12211274B2
公开(公告)日：2025-01-28
申请号：US17716996
申请日：2022-04-08
Applicant: The Toronto-Dominion Bank
Inventor： Junwei Ma , Satya Krishna Gorti , Maksims Volkovs , Guangwei Yu
IPC: G06V20/40 , G06V10/764 , G06V10/774 , G06V10/82 , G06V20/70
Abstract: A video localization system localizes actions in videos based on a classification model and an actionness model. The classification model is trained to make predictions of which segments of a video depict an action and to classify the actions in the segments. The actionness model predicts whether any action is occurring in each segment, rather than predicting a particular type of action. This reduces the likelihood that the video localization system over-relies on contextual information in localizing actions in video. Furthermore, the classification model and the actionness model are trained based on weakly-labeled data, thereby reducing the cost and time required to generate training data for the video localization system.
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公开(公告)号：US12206656B2
公开(公告)日：2025-01-21
申请号：US17941670
申请日：2022-09-09
Applicant: The Toronto-Dominion Bank
Inventor： Ashraf Magdi Metwalli , Ashleigh Anne Mansfield Blain , Mahendra Chhotubhai Rawal , Joseph Matthew Capern , Xiang Shen
Abstract: A method and apparatus with provider information access authorization are provided. The method includes receiving a single sign-on (SSO) token from a provider apparatus for a validated login request by a client device for a user account, wherein the SSO token is indicative of the provider apparatus having authorized secure protocol access with the provider apparatus to access information at the provider apparatus associated with the user account, retrieving customer information from the provider apparatus using the SSO token, receiving information from the client device, confirming whether, based on the information and the customer information that a user of the user account is eligible to complete a data exchange, and in response to a result of the confirming being that the user of the user account is confirmed eligible to compete the data exchange, cause the provider apparatus to process the data exchange corresponding to the information.
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Patent Agency Ranking
公开(公告)号：US12205165B2
公开(公告)日：2025-01-21
申请号：US17743696
申请日：2022-05-13
Applicant: The Toronto-Dominion Bank
Inventor： Miguel Navarro , Levi Sutter
Abstract: An example operation may include one or more of receiving, via a host platform of a digital wallet, a payment authorization request message for a payment transaction of the digital wallet from a payment gateway of an electronic payment network, verifying that the digital wallet has sufficient funds to satisfy an amount of the payment transaction and transmitting a payment authorization response to the payment gateway, pausing clearing and settling of the authorized payment transaction, generating an entry that represents the authorized payment transaction and storing the entry in a temporary storage structure of the host platform, executing a cryptocurrency transaction which exchanges cryptocurrency for an amount of fiat currency that satisfies the amount of the payment transaction, and canceling the authorized payment transaction and settling the payment transaction based on the amount of fiat currency received from the cryptocurrency transaction.
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公开(公告)号：US12205088B2
公开(公告)日：2025-01-21
申请号：US17851214
申请日：2022-06-28
Applicant: The Toronto-Dominion Bank
Inventor： Raj Kumar Choudhary
Abstract: In an aspect, a computer-implemented method is disclosed. The method includes: obtaining, from a transfer rail server, stored card data identifying one or more entities having a stored representation of a value transfer card and data indicating a time of last use of the value transfer card by at least one of the identified entities; identifying a dormant entity based on the data indicating the time of last use of the value transfer card by the at least one identified entity by performing a threshold-based comparison using the time of last use and a current date; presenting, via a user interface of a card management application on a client device associated with the value transfer card, a notification indicating the dormant entity, the notification including a selectable user interface element corresponding to an operation for disabling the value transfer card for the dormant entity; receiving, via the client device, a command in response to the notification; and in response to determining that the command includes a request to disable the value transfer card for the dormant entity, transmitting, via an application programming interface (API) request to the transfer rail server, an instruction to revoke a token representing the value transfer card for the dormant entity to prevent further use of the value transfer card by the dormant entity.
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公开(公告)号：US12182800B2
公开(公告)日：2024-12-31
申请号：US17847627
申请日：2022-06-23
Applicant: The Toronto-Dominion Bank
Inventor： Miguel Navarro , Levi Sutter
Abstract: An example operation may include one or more of storing transaction content from transactions executed via one or more fiat payment accounts and one or more crypto accounts of a digital wallet of a user, and determining, via execution of a machine learning model on the stored transaction content, a recurring expense value of the user and a next point in time in which the recurring expense value, dividing the recurring expense value into a plurality of sub-values; generating a plurality of transactions which transfer the plurality of sub-values from a fiat payment account to a crypto account from among the one or more crypto accounts and store the plurality of transactions within a queue, initiating a plurality of time-to-live jobs for the plurality of transactions, respectively, wherein the plurality of time-to-live jobs comprise a plurality of different respective expiration times that are staggered such that the plurality of time-to live jobs expire in incremental intervals from a current time to the next point in time in which the recurring expense value is due and executing the plurality of transactions at the plurality of different expiration times to incrementally transfer the plurality of sub-values from the fiat account to a crypt account via an application programming interface (API).
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公开(公告)号：US12177673B2
公开(公告)日：2024-12-24
申请号：US17459064
申请日：2021-08-27
Applicant: The Toronto-Dominion Bank
Inventor： Michael Avni
Abstract: A system and method for determining physical locations associated with activities detected on mobile devices is disclosed. The method includes accessing at least one enterprise rule set which is based on a plurality of security vulnerability events, and for monitoring at least one application used on the mobile devices. Device data indicative of one or more actions performed on a mobile device and a time associated with each action is used to detect whether actions performed on the mobile device breach a rule of the enterprise rule set. Geolocation information associated with the mobile device at the time associated with the breach is received based on an identifier associated with the mobile device or with wireless network access points in range of the mobile device. The received geolocation information, enterprise rules, and device data is used determine if a security vulnerability is associated with the mobile device.
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公开(公告)号：US12177329B2
公开(公告)日：2024-12-24
申请号：US18097114
申请日：2023-01-13
Applicant: The Toronto-Dominion Bank
Inventor： Brian Andrew Lam , Milos Dunjic , Alexey Shpurov
Abstract: The disclosed exemplary embodiments include computer-implemented apparatuses and methods that validate confidential data based privacy-preserving homomorphic computations involving encrypted data. For example, an apparatus may receive, from a first computing system, encrypted data that includes a first encrypted value representative of at least one of first account data or an element of cryptographic data. Based on the first encrypted value and on second encrypted values, the apparatus may generate encrypted residual values representative of second account data associated with one or more reference accounts, and the apparatus may request and receive a decrypted residual value associated with each of the encrypted residual values from a second computing system. The apparatus may transmit the decrypted residual values to the first computing system, which may validate the first account data based on at least the decrypted residual values and perform operations associated with the validated first account data.
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