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公开(公告)号：US08864024B1
公开(公告)日：2014-10-21
申请号：US14208146
申请日：2014-03-13
Applicant: The Toronto-Dominion Bank
Inventor： Michael D. Cummins , Prabaharan Sivashanmugam , Lauren Van Heerden , Gunalan Nadarajah , Orin Del Vecchio
CPC classification number: G06Q20/341 , G06Q20/20 , G06Q20/4016 , G06Q20/405 , G06Q30/06 , G06Q40/02
Abstract: A system, method and computer program product is capable of proactive assessment of transactions and communication of alerts based on pre-set rules to increase transaction integrity and mitigate fraud. Unauthorized transactions may be stopped before processing through an account to enhance the security of transactions and decrease fraudulent transactions without the account holder seeing a negative transaction in their account. Chip-enabled cards may be configured to alert account holders of transactions prior to being processed through an account based on pre-set rules stored on the chip or in a remote data store. The transaction can be stopped until the account holder authorizes the transaction based on the alert. The alert can be sent through the merchant system or wirelessly from the chip-enabled card.
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22.发明授权System and method for chip-enabled card transaction processing and alert communication 有权用于芯片启用卡事务处理和警报通信的系统和方法公开(公告)号：US08690054B1
公开(公告)日：2014-04-08
申请号：US14068504
申请日：2013-10-31
Applicant: The Toronto-Dominion Bank
Inventor： Michael D. Cummins , Prabaharan Sivashanmugam , Lauren Van Heerden , Gunalan Nadarajah , Orin Del Vecchio
CPC classification number: G06Q20/341 , G06Q20/20 , G06Q20/4016 , G06Q20/405 , G06Q30/06 , G06Q40/02
Abstract: A system, method and computer program product is capable of proactive assessment of transactions and communication of alerts based on pre-set rules to increase transaction integrity and mitigate fraud. Unauthorized transactions may be stopped before processing through an account to enhance the security of transactions and decrease fraudulent transactions without the account holder seeing a negative transaction in their account. Chip-enabled cards may be configured to alert account holders of transactions prior to being processed through an account based on pre-set rules stored on the chip or in a remote data store. The transaction can be stopped until the account holder authorizes the transaction based on the alert. The alert can be sent through the merchant system or wirelessly from the chip-enabled card.
Abstract translation: 系统，方法和计算机程序产品能够基于预先设定的规则主动地评估交易和通知，从而提高交易完整性并减轻欺诈。 在通过帐户处理之前，未经授权的交易可能会被停止，以增强交易的安全性并减少欺诈性交易，而帐户持有人在其账户中看到负面交易。 基于芯片的卡可以被配置为在基于存储在芯片或远程数据存储器中的预设规则通过帐户处理之前向帐户持有人提醒交易。 交易可以停止，直到帐户持有人根据警报授权交易。 警报可以通过商家系统发送，也可以从芯片使能卡无线发送。
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公开(公告)号：US10896419B2
公开(公告)日：2021-01-19
申请号：US16139347
申请日：2018-09-24
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
Abstract: The disclosed embodiments include methods, systems, system terminals, 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.
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公开(公告)号：US10671996B2
公开(公告)日：2020-06-02
申请号：US14796450
申请日：2015-07-10
Applicant: The Toronto-Dominion Bank
Inventor： Michael D. Cummins , Lauren Van Heerden , Prabaharan Sivashanmugam , Orin Del Vecchio , Gunalan Nadarajah
Abstract: The disclosed embodiments include methods and systems for validating, funding, activating, and reloading one or more configurable multicards. The disclosed embodiments may include a method that may include obtaining user authentication information relating to a first user associated with an inactivated multicard that is configurable for use for purchases and is configured with a zero multicard account balance amount. The method may include obtaining multicard configuration information including a unique multicard identification information that identifies the inactivated multicard and a first multicard account balance amount for the inactivated multicard. The method may also include validating the inactivated multicard using the unique multicard identification information and associating the inactivated multicard with a multicard account having the first multicard account balance that is funded from a financial account associated with the first user.
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Patent Agency Ranking
公开(公告)号：US10192263B2
公开(公告)日：2019-01-29
申请号：US14802973
申请日：2015-07-17
Applicant: The Toronto-Dominion Bank
Inventor： Jonathan K. Barnett , Lauren Van Heerden , Orin Del Vecchio , Gunalan Nadarajah , John Barbon , Paul Mon-Wah Chan , Jakub Danielak , Christianne Moretti , Matthew Hamilton
IPC: G06Q40/02
Abstract: A method and system for recommending a physical location at which to complete an electronic activity are disclosed. In some examples, initiation of the electronic activity by a user at a first physical location is detected, that the electronic activity is to be completed at a physical location different from the first physical location is determined, one or more portions of the electronic activity that remain incomplete are determined, a second physical location at which to complete the one or more incomplete portions of the electronic activity is identified, and information about the electronic activity is provided to the second physical location. In some examples, the identification of the second physical location is based on at least characteristics of the electronic activity, the user, and/or the second physical location.
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公开(公告)号：US20170364895A1
公开(公告)日：2017-12-21
申请号：US15695628
申请日：2017-09-05
Applicant: The Toronto-Dominion Bank
Inventor： Lauren Van Heerden , Prabaharan Sivashanmugam , Dino D'Agostino , Michael D. Cummins , Orin Del Vecchio , Gunalan Nadarajah , Steven Robert Langham
CPC classification number: G06Q20/223 , G06Q20/10 , G06Q20/3829 , G06Q20/383
Abstract: A payment processing method involves a server receiving a payee identifier, and linking the payee identifier to a device identifier identifying a payee device. The server receives from a payor device a payment initiation request identifying a specified payment amount and a payor identifier, links a unique token to the specified payment amount and to the payor identifier, and provides the payor device with the token. The token excludes the payor identifier and particulars of the associated payor. The server receives a payment completion request including the payee identifier and the token, and excluding the payment amount, the payor identifier and payor particulars. The server uses the payee identifier to confirm that the payment completion request was signed with the device identifier, uses the payee identifier to locate a payee account, and uses the token to determine the specified payment amount and a payor account associated with the payor identifier.
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27.发明授权公开(公告)号：US09652798B2
公开(公告)日：2017-05-16
申请号：US14510920
申请日：2014-10-09
Applicant: The Toronto-Dominion Bank
Inventor： Michael E. Globe , Mazin Al-Samadi , Lauren Van Heerden , Gunalan Nadarajah , Orin Del Vecchio , Michael D. Cummins , Prabaharan Sivashanmugam
CPC classification number: G06Q30/0631 , G06Q30/0226 , G06Q40/06
Abstract: The disclosed embodiments include, for example, systems and methods for providing recommendations of one or more alternative products to a user based on investment portfolio data. In one aspect, the disclosed embodiments may include a system that is configured to obtain information associated with one or more products of interest to the user. In certain aspects, the obtained information may identify a product previously purchased by the user, one or more products that form a shopping list of the user, and/or a product identified by the user as a potential purchase. The system may be configured to identify one or more alternative products that are similar to the products of interest and that are related to one or more securities associated with an investment portfolio of the user. In one aspect, the system may be configured to generate one or more instructions to transmit information identifying the one or more alternatives product to a device of the user.
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公开(公告)号：US09148869B2
公开(公告)日：2015-09-29
申请号：US14508575
申请日：2014-10-07
Applicant: THE TORONTO DOMINION BANK
Inventor： Lauren Van Heerden , Michael D. Cummins , Prabaharan Sivashanmugam , Gunalan Nadarajah , Orin Del Vecchio
CPC classification number: H04W64/006 , G06F21/316 , G06F21/554 , H04W4/022 , H04W4/027 , H04W4/029 , H04W4/21 , H04W8/18 , H04W68/04
Abstract: A method of controlling issuance of alerts involves a server receiving notification of occurrence of an event at an account, saving in an events history the event occurrence, receiving device information from a mobile device associated with the account, and determining a position and/or speed from the device information. The server maintains at least one event definition defining particulars of suspension of notifications of events at an account. Upon the position or speed correlating with one of the event definitions, the server saves in the events history an occurrence of at least one additional event occurring at the account subsequent to the event, and suspends notification of the saved occurrences to the mobile device. The server transmits to the mobile device a notification of the occurrences saved in the events history and clears the events history upon the position and speed no longer correlating with any of the event definitions.
Abstract translation: 一种控制警报发布的方法涉及一种服务器，其接收帐户发生事件的通知，在事件历史中保存事件发生，从与该帐户相关联的移动设备接收设备信息，以及确定位置和/或速度 从设备信息。 服务器维护至少一个事件定义，定义了在帐户上暂停事件通知的详细信息。 在与事件定义之一相关联的位置或速度时，服务器在事件历史中保存在事件之后的帐户处发生的至少一个附加事件的发生，并且暂停向移动设备通知所保存的事件。 服务器向移动设备发送保存在事件历史中的事件的通知，并且在不再与任何事件定义相关联的位置和速度上清除事件历史。
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公开(公告)号：US20140337225A1
公开(公告)日：2014-11-13
申请号：US14273469
申请日：2014-05-08
Applicant: The Toronto-Dominion Bank
Inventor： Lauren VAN HEERDEN , Prabaharan Sivashanmugam , Michael D. Cummins , Orin Del Vecchio , Gunalan Nadarajah , Nino Di Teodoro
IPC: G06Q20/40
CPC classification number: G06Q20/4016 , G06Q20/40145
Abstract: A method of identifying potentially fraudulent electronic transactions at an electronic transaction device may involve the transaction device receiving a transaction request for an electronic transaction. The transaction request may include a biometric credential sample and an authentication credential. Upon locating in the transaction history (i) no entry corresponding to the biometric credential sample or (ii) an entry comprising the biometric credential sample in association with the authentication credential, the electronic transaction device may insert into the transaction history a new entry comprising the biometric credential sample in association with the authentication credential and initiates completion of the electronic transaction. Otherwise, the transaction device may insert into the transaction history a new entry comprising the biometric credential sample in association with the authentication credential and generates an alarm signal identifying the electronic transaction as potentially fraudulent.
Abstract translation: 在电子交易设备处识别潜在的欺诈电子交易的方法可以涉及交易设备接收电子交易的交易请求。 交易请求可以包括生物测定凭证样本和认证证书。 在处理交易历史（i）中，没有与生物特征凭证样本相对应的条目，或者（ii）包含与验证证书相关联的生物特征凭证样本的条目，电子交易设备可以将交换历史中的新条目 生物特征凭证样本与认证凭证相关联，并启动完成电子交易。 否则，交易设备可以在交易记录中插入包括与认证证书相关联的生物测定凭证样本的新条目，并且生成将该电子交易识别为潜在欺诈的报警信号。
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