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    SYSTEMS AND METHODS FOR VERIFYING USER IDENTITY BASED ON SOCIAL MEDIA MESSAGING
    22.
    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 MANAGING DATA TRANSFERS OVER A NETWORK
    23.
    发明申请
    SYSTEMS AND METHODS FOR MANAGING DATA TRANSFERS OVER A NETWORK 审中-公开

    公开(公告)号：US20190197033A1

    公开(公告)日：2019-06-27

    申请号：US16289707

    申请日：2019-03-01

    Applicant: The Toronto-Dominion Bank

    Inventor： Helene ESPOSITO ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Rakesh Thomas JETHWA

    IPC: G06F16/23

    CPC classification number: G06F16/2379 ,  G06F16/2322

    Abstract: A method for managing transfer of data over a network to a recipient system is disclosed. The method is implemented at a database management system that stores a schedule of data transfers associated with records in a database. The method includes: receiving a signal representing an electronic message from a third party system, the electronic message including details of a first scheduled data transfer to a first record in the database at a first transfer time; obtaining details of a second scheduled data transfer from the first record to the recipient system; determining that an effect on the first record by the first and second scheduled data transfers meets stored predefined criteria; updating the schedule of data transfers to change a second transfer time associated with the second scheduled data transfer; and initiating the second scheduled data transfer according to the updated schedule of data transfers.

    SYSTEMS AND METHODS FOR TIMING DATA TRANSFER IN A DATABASE
    27.
    发明申请
    SYSTEMS AND METHODS FOR TIMING DATA TRANSFER IN A DATABASE 审中-公开

    公开(公告)号：US20180096022A1

    公开(公告)日：2018-04-05

    申请号：US15285648

    申请日：2016-10-05

    Applicant: The Toronto-Dominion Bank

    Inventor： Helene ESPOSITO ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Rakesh Thomas JETHWA

    IPC: G06F17/30

    CPC classification number: G06F17/30377

    Abstract: Methods and electronic systems for managing data transfer timing in a database are described. An electronic system includes a communication interface, a memory, and a processor coupled with the memory and the communication interface. The processor is configured to receive a signal representing an electronic message from a third party system. The electronic message notifies the electronic system of a first scheduled data transfer to a database managed by the electronic system and including a first transfer time in the future and value change information that affects a value of the database. In response to receipt of the electronic message, the processor evaluates a second scheduled data transfer from the database to a recipient at a second transfer time in the future at which at least a portion of the value is expected to be transferred to the recipient.

    SYSTEMS AND METHODS FOR AUTHENTICATING USERS OF NETWORKED COMPUTER SYSTEMS BASED ON NON-CREDENTIALED INFORMATION
    28.
    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
    29.
    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。

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