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    Augmented and Virtual Reality Based Process Oversight
    21.
    发明申请
    Augmented and Virtual Reality Based Process Oversight 审中-公开
    基于扩展和虚拟现实的过程监督

    公开(公告)号：US20170053245A1

    公开(公告)日：2017-02-23

    申请号：US15234786

    申请日：2016-08-11

    Applicant: The Toronto-Dominion Bank

    Inventor： Christianne Moretti ,  James Zachary Pryor ,  Matthew Hamilton ,  Jonathan K. Barnett ,  Paul Mon-Wah Chan ,  Orin Del Vecchio ,  John Barbon ,  John Jong-Suk Lee

    IPC: G06Q10/10

    CPC classification number: H04L63/107 ,  G02B27/01 ,  G06F3/14 ,  G06Q10/103 ,  G06T19/006

    Abstract: The present disclosure involves systems and computer implemented methods for generating a virtual or augmented reality-based oversight system of business processes at a location remote from where the business process is executed. In one example, system operations include identifying a process-based operation performed at a physical first location, where the operation is associated with a request for oversight from a remote second location. A current state of the operation at the first location is identified, and at least one input source at the first location is identified. A simulation of the current state of the operation at the first location incorporating input from the input source(s) is generated for presentation at the second location. An action performed at the first location in the current state of the operation is identified, and the second location is then transmitted a request to authorize the identified action.

    Abstract translation: 本公开涉及用于在远离业务流程执行的位置生成虚拟或增强的基于现实的业务流程监督系统的系统和计算机实现的方法。 在一个示例中，系统操作包括识别在物理第一位置执行的基于过程的操作，其中操作与来自远程第二位置的监视请求相关联。 识别在第一位置处的操作的当前状态，并且识别在第一位置处的至少一个输入源。 生成包含来自输​​入源的输入的第一位置处的操作的当前状态的模拟以在第二位置处呈现。 识别在当前操作状态下在第一位置执行的动作，然后发送第二位置以授权所识别的动作的请求。

    Resource Allocation Based on Connected Devices
    22.
    发明申请
    Resource Allocation Based on Connected Devices 审中-公开
    基于连接设备的资源分配

    公开(公告)号：US20160337261A1

    公开(公告)日：2016-11-17

    申请号：US15152296

    申请日：2016-05-11

    Applicant: The Toronto-Dominion Bank

    Inventor： Paul Mon-Wah Chan ,  Christianne Moretti ,  Kevin Grant ,  Kevin Mari ,  Jonathan K. Barnett ,  Matthew Hamilton

    IPC: H04L12/911 ,  H04L12/26 ,  H04L29/08

    CPC classification number: H04L41/0896 ,  H04L43/0817

    Abstract: The present disclosure relates to systems and computer-implemented methods for implementing a resource allocation and adjusting resource usage and spending based on information received from a plurality of network-connected devices. One example method is performed by identifying a master resource allocation associated with a plurality of connected devices and monitoring, at a device hub, resource usage information associated with at least one connected device. The device hub compares the monitored resource usage information associated with the at least one connected device to the master resource allocation for the plurality of connected devices, and, in response to the comparison, calculates at least one adjustment in operation for a particular connected device from the plurality of connected devices based on the monitored resource usage information. The device hub then transmits an instruction to perform the at least one calculated adjustment in operation to the particular connected device associated with the adjustment.

    Abstract translation: 本公开涉及用于基于从多个网络连接设备接收的信息来实现资源分配和调整资源使用和支出的系统和计算机实现的方法。 通过识别与多个连接的设备相关联的主资源分配来执行一个示例性方法，并且在设备集线器处监视与至少一个连接的设备相关联的资源使用信息。 所述设备集线器将与所述至少一个连接的设备相关联的所监视的资源使用信息与所述多个连接设备的所述主资源分配进行比较，并且响应于所述比较，对于特定连接设备的操作中的至少一个调整 所述多个连接的设备基于所监视的资源使用信息。 然后，设备集线器发送指令以对与调整相关联的特定连接设备进行操作中的至少一个计算的调整。

    SYSTEMS AND METHODS FOR ADMINISTERING MOBILE APPLICATIONS USING PRE-LOADED TOKENS
    23.
    发明申请
    SYSTEMS AND METHODS FOR ADMINISTERING MOBILE APPLICATIONS USING PRE-LOADED TOKENS 审中-公开
    使用预加载的东克管理移动应用的系统和方法

    公开(公告)号：US20160092869A1

    公开(公告)日：2016-03-31

    申请号：US14869852

    申请日：2015-09-29

    Applicant: The Toronto-Dominion Bank

    Inventor： Hisham I. SALAMA ,  Edward Lounsbury ,  Paul Mon-Wah Chan

    IPC: G06Q20/36

    CPC classification number: G06Q20/367 ,  G06Q20/322

    Abstract: The disclosed embodiments include computerized methods and systems that enable users to delegate a functionality of a mobile application through pre-loaded tokens. In one aspect, the disclosed embodiments may temporarily delegate or “loan” financial products loaded into a mobile wallet of a user to other eligible users. For example, the disclosed embodiments may receive, from a first user, a request to delegate a financial product to a second user to complete purchase transactions. In response to the received request, the disclosed embodiments may identify one or more temporal or financial conditions on the delegation, and may generate a corresponding mobile wallet token for transmission to a second user device. The second user device may, for example, process the mobile wallet token and establish the delegated financial provide in the second user's mobile wallet in accordance with the at least one of the temporal or financial conditions.

    Abstract translation: 所公开的实施例包括使得用户能够通过预加载令牌委托移动应用的功能的计算机化方法和系统。 在一个方面，所公开的实施例可以暂时将加载到用户的移动钱包中的金融产品委托或“借出”给其他符合条件的用户。 例如，所公开的实施例可以从第一用户接收将金融产品委托给第二用户以完成购买交易的请求。 响应于接收到的请求，所公开的实施例可以识别委托中的一个或多个时间或财务状况，并且可以生成相应的移动钱包令牌以便传输到第二用户设备。 例如，第二用户设备可以根据时间或财务状况中的至少一个来处理移动钱包令牌并在第二用户的移动钱包中建立授权的财务提供。

    PRODUCT-CLASS-BASED INCENTIVIZED TRANSACTION
    24.
    发明申请
    PRODUCT-CLASS-BASED INCENTIVIZED TRANSACTION 审中-公开
    基于产品级的激励交易

    公开(公告)号：US20160012468A1

    公开(公告)日：2016-01-14

    申请号：US14796681

    申请日：2015-07-10

    Applicant: THE TORONTO-DOMINION BANK

    Inventor： Lauren van Heerden ,  Orin Del Vecchio ,  Gunalan Nadarajah ,  Paul Mon-Wah Chan ,  Steve Robert Langham ,  Jonathan K. Barnett ,  Jakub Danielak ,  Roisin Fritz ,  John Jong Suk Lee ,  Rob Miller ,  Ashraf Metwalli

    IPC: G06Q30/02 ,  G06Q20/10

    CPC classification number: G06Q30/0226 ,  G06Q20/387

    Abstract: A method of effecting an incentive transaction involves a computer server receiving a notification message that identifies a financial transaction. The server is in communication with a database of incentive plans, each comprising a plan definition that defines an incentive transaction. Each plan is associated with plan participants by participant identifiers. Each participant identifier is uniquely associated with their plan participant. The notification message includes a product code and the participant identifier of one plan participant. The server identifies an incentive plan applicable to the financial transaction from a correlation with the participant identifier, determines an incentive amount from the product code and the incentive plan definition of the applicable incentive plan, and initiates the incentive transaction for the incentive amount with a first financial account associated with the one plan participant and with a second financial account associated with another of the plan participants of the applicable incentive plan.

    Abstract translation: 实施激励交易的方法涉及计算机服务器接收识别金融交易的通知消息。 服务器与激励计划的数据库进行通信，每个都包含定义激励交易的计划定义。 每个计划都由参与者标识符与计划参与者相关联。 每个参与者标识符与其计划参与者唯一相关联。 通知消息包括产品代码和一个计划参与者的参与者标识符。 服务器根据与参与者标识符的相关性，确定适用于金融交易的激励计划，从产品代码确定激励金额和适用激励计划的激励计划定义，并以第一个方式启动激励金额激励交易 与一个计划参与者相关联的财务帐户，以及与适用激励计划的另一计划参与者相关联的第二个财务帐户。

    SYSTEMS AND METHODS FOR PROVIDING SECURE DATA TRANSMISSION BETWEEN NETWORKED COMPUTING SYSTEMS
    25.
    发明申请
    SYSTEMS AND METHODS FOR PROVIDING SECURE DATA TRANSMISSION BETWEEN NETWORKED COMPUTING SYSTEMS 审中-公开
    网络计算系统之间提供安全数据传输的系统和方法

    公开(公告)号：US20160012428A1

    公开(公告)日：2016-01-14

    申请号：US14796512

    申请日：2015-07-10

    Applicant: The Toronto-dominion Bank

    Inventor： Perry Haldenby ,  John Jong Suk Lee ,  Paul Mon-Wah Chan ,  Jenny Lin ,  Michael D. Cummins ,  Lauren Van Heerden ,  Prabaharan Sivashanmugam ,  Orin Del Vecchio ,  Gunalan Nadarajah

    IPC: G06Q20/38

    CPC classification number: G06Q20/3572 ,  G06Q20/34 ,  G06Q20/354 ,  G06Q20/383

    Abstract: The disclosed embodiments include methods and systems that provide secure data transmission between networked computing systems by obfuscating sensitive customer account data with placeholder account data generated in real-time and without customer intervention. The disclosed embodiments may include a computerized device that monitors user input to detect an initiation of a purchase transaction at a merchant, and upon detection of the initiated purchase transaction, may obtain a placeholder account suitable for use in the purchase transaction and capable of masking a user's sensitive account information without user intervention. In some instances, a system of a financial institution may activate and fund the placeholder account in real time and in an amount consistent with a transaction amount of the purchase transaction. Devices consistent with the disclosed embodiments may request execution of the initiated purchase transaction in accordance with the activated and funded placeholder account.

    Abstract translation: 所公开的实施例包括通过将敏感的客户帐户数据与实时生成并且没有客户干预的占位符帐户数据混淆来提供联网计算系统之间的安全数据传输的方法和系统。 所公开的实施例可以包括监视用户输入以检测商家的购买交易的开始的计算机化设备，并且在检测到所启动的购买交易时，可以获得适合于在购买交易中使用的占位符帐户并且能够屏蔽 用户敏感的帐户信息，无需用户干预。 在某些情况下，金融机构的系统可以实时激活和占用占位符账户，并且与购买交易的交易金额一致。 与所公开的实施例一致的装置可以根据激活和资助的占位符帐户请求执行所启动的采购交易。

    Resource allocation control based on connected devices
    29.
    发明授权
    Resource allocation control based on connected devices 有权

    公开(公告)号：US11108667B2

    公开(公告)日：2021-08-31

    申请号：US16506660

    申请日：2019-07-09

    Applicant: The Toronto-Dominion Bank

    Inventor： Evan Cohen ,  Kevin Mari ,  Matthew Hamilton ,  Jonathan K. Barnett ,  Paul Mon-Wah Chan ,  John Jong-Suk Lee

    IPC: H04L12/26 ,  H04M15/00 ,  H04L12/24 ,  H04L12/28 ,  H04L12/911 ,  H04L29/08 ,  H04W24/08 ,  H04W4/70

    Abstract: The present disclosure involves systems and computer implemented methods for implementing a resource allocation and adjusting resource usage and spending based on information received from a plurality of network-connected devices. One example method includes identifying a new connected device replacing an existing device associated with a resource allocation, the resource allocation defining an expected resource usage for a plurality of devices (including the existing device), obtaining historical resource usage information associated with the existing device, identifying the existing device's operational parameters, and determining an expected resource usage for the new connected device after replacement. A change in the expected resource usage in the resource allocation is calculated based on the obtained historical resource usage information associated with the existing device and the expected resource usage amount for the new connected device. The master resource allocation is then updated based on the calculated change.

    Resource allocation control based on connected devices
    30.
    发明授权
    Resource allocation control based on connected devices 有权

    公开(公告)号：US10938700B2

    公开(公告)日：2021-03-02

    申请号：US15152297

    申请日：2016-05-11

    Applicant: The Toronto-Dominion Bank

    Inventor： Evan Cohen ,  Kevin Mari ,  Matthew Hamilton ,  Jonathan K. Barnett ,  Paul Mon-Wah Chan ,  John Jong-Suk Lee

    IPC: G06F15/173 ,  H04L12/26 ,  H04M15/00 ,  H04L12/24 ,  H04L12/28 ,  H04L12/911 ,  H04L29/08 ,  H04W24/08 ,  H04W4/70

    Abstract: The present disclosure involves systems and computer implemented methods for implementing a resource allocation. One example method is performed by identifying a resource allocation associated with the device hub, the resource allocation defining an expected resource usage associated with a connected device and a non-connected device. Resource usage information associated with the connected device is monitored, where usage information associated with the non-connected device is calculated based on a difference between a total resource usage identified by the device hub and the resource usage information associated with the connected device. The resource usage information is compared to the resource allocation, and in response to the comparison and a determination that the non-connected device exceeded the resource allocation associated with the non-connected device, an adjustment in operation for the connected device associated with the device hub is calculated. An instruction is transmitted to the connected device to perform the calculated adjustment.

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