中科微点-全球专利检索

  1. Login
  2. Sign Up

Search Results

76 records (took 0.023 seconds)

    SYSTEMS AND METHODS FOR PROVIDING POPULATED TRANSACTION INTERFACES BASED ON SYSTEM-GENERATED TRIGGERS
    23.
    发明申请
    SYSTEMS AND METHODS FOR PROVIDING POPULATED TRANSACTION INTERFACES BASED ON SYSTEM-GENERATED TRIGGERS 审中-公开
    基于系统生成的触发器提供人口交往界面的系统和方法

    公开(公告)号：US20150262183A1

    公开(公告)日：2015-09-17

    申请号：US14656541

    申请日：2015-03-12

    Applicant: The Toronto-Dominion Bank

    Inventor： Steve GERVAIS ,  Eric Kaiser ,  Peter Horvath ,  Andrew Chak ,  Christianne Moretti ,  Lauren Van Heerden ,  Orin Del Vecchio ,  Gunalan Nadarajah ,  Tommy Phung

    IPC: G06Q20/40 ,  G06Q20/10

    CPC classification number: G06Q20/405 ,  G06Q20/10

    Abstract: The disclosed embodiments include methods and systems that automatically populate interfaces facilitating electronic transactions. In one embodiment, a system may detect an system-generated event triggering an account transfer transaction. The system may also determine a first account associated with a first user based on the detected event, and determine a second account based on the detected event and a set of rules associated with the first user. The system may generate, based on the detected event and the set of rules, first information used to provide prefilled content identifying the first account as a source account and the determined second account as a destination account. The system may also generate, in response to an authorization, second information used to provide second content including a notification that a transfer of funds from the first account to the second account has occurred.

    Abstract translation: 所公开的实施例包括自动填充促进电子交易的界面的方法和系统。 在一个实施例中，系统可以检测触发帐户转移交易的系统生成的事件。 系统还可以基于检测到的事件来确定与第一用户相关联的第一帐户，并且基于检测到的事件和与第一用户相关联的一组规则来确定第二帐户。 系统可以基于检测到的事件和规则集合生成用于提供预先识别第一帐户作为源帐户的预填充内容的第一信息，以及确定的第二帐户作为目的地帐户。 系统还可以响应于授权而生成用于提供第二内容的第二信息，所述第二内容包括发生从第一帐户到第二帐户的资金转移的通知。

    PERSON-TO-PERSON ELECTRONIC PAYMENT PROCESSING
    24.
    发明申请
    PERSON-TO-PERSON ELECTRONIC PAYMENT PROCESSING 审中-公开
    个人电子付款处理

    公开(公告)号：US20140337235A1

    公开(公告)日：2014-11-13

    申请号：US14273425

    申请日：2014-05-08

    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

    IPC: G06Q20/22 ,  G06Q20/38

    CPC classification number: G06Q20/223 ,  G06Q20/10 ,  G06Q20/3829 ,  G06Q20/383

    Abstract: A method of person-to-person anonymous electronic payment processing may involve a payment processing server receiving from a payor payment device a payment initiation request for a payment from a payor account. The payment initiation request may identify a payment amount and excludes payee particulars and the payee account. The server may also receive from a payee payment device a payment completion request requesting completion of the payment. The payment completion request may include a payee identifier and exclude the payment amount, payor account and payor particulars. The server may confirm that the payment completion request is uniquely associated with the payee payment device and the payee identifier, and determine the payment amount and the payor account by correlating the payment completion request with the payment initiation request. In accordance with an outcome of the confirming, the payment processing server may effect a transfer in the payment amount from the payor account to the payee account.

    Abstract translation: 个人对个人匿名电子支付处理的方法可以涉及支付处理服务器从付款人支付设备从付款人帐户接收付款的支付发起请求。 付款发起请求可以标识支付金额并且不包括收款人资料和收款人账户。 服务器还可以从收款人支付设备接收请求完成支付的支付完成请求。 付款完成请求可以包括收款人标识符，并且不包括支付金额，支付者账户和支付者详情。 服务器可以确认支付完成请求与收款人支付设备和收款人标识符唯一相关，并且通过将支付完成请求与支付发起请求相关联来确定支付金额和支付者帐户。 根据确认的结果，支付处理服务器可以将付款金额从付款人帐户转移到收款人账户。

    Authorization system using partial card numbers
    26.
    发明授权
    Authorization system using partial card numbers 有权

    公开(公告)号：US11676115B2

    公开(公告)日：2023-06-13

    申请号：US16914660

    申请日：2020-06-29

    Applicant: The Toronto-Dominion Bank

    Inventor： Hisham Salama ,  Lauren Van Heerden ,  Ian Sundberg ,  Anand Kannan ,  Orin Del Vecchio

    IPC: G06Q20/10 ,  G06Q20/40

    CPC classification number: G06Q20/10 ,  G06Q20/401 ,  G06Q20/4016

    Abstract: An authorization system includes a database, and at least one computer server in communication with the database. The database includes a plurality of database records, each including an account number and an associated card number. Each card number has fewer digits than the associated account number. The server is configured to receive, from a communications terminal, a request message that initiates a transaction with the server. The server is configured to request an authentication credential from the terminal, and in the database locate the card number that matches the received authentication credential and locate the account number that is associated with the located card number. The server is configured to request authorization of a test transaction using the account number, receive an authorization response confirming authorization of the test transaction, and authorize the initiated transaction in response to the authorization response. The test transaction is different from the initiated transaction.

    Validating encrypted data from a multi-layer token
    28.
    发明授权
    Validating encrypted data from a multi-layer token 有权

    公开(公告)号：US11481778B2

    公开(公告)日：2022-10-25

    申请号：US15286734

    申请日：2016-10-06

    Applicant: The Toronto-Dominion Bank

    Inventor： Matthew Randolph Molnar ,  Jonathan K. Barnett ,  John Jong Suk Lee ,  Paul Mon-Wah Chan ,  Orin Del Vecchio

    IPC: G06Q20/40 ,  G06Q20/38 ,  H04L9/40 ,  H04L9/32 ,  G06Q20/10 ,  H04W12/069

    Abstract: A message processing server includes a message processor and a database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The first layer includes a first data pointer. A primary layer includes the first layer and identifies a reference data value. The message processor receives from a communications device an authentication request identifying a first data value, validates the authentication request from the first data value and the reference data value configured in one of the multi-layer tokens, receives a first authorization message including a first cryptographic key, derives a first decrypted data layer from the first cryptographic key and the first encrypted data layer of the one multi-layer token, and validates the first data pointer by receiving confirmation of the first data pointer pointing to a database entry comprising a second data value less than the reference data value.

    Systems and methods for providing balance notifications to connected devices
    29.
    发明授权
    Systems and methods for providing balance notifications to connected devices 有权

    公开(公告)号：US11475512B2

    公开(公告)日：2022-10-18

    申请号：US15891645

    申请日：2018-02-08

    Applicant: The Toronto-Dominion Bank

    Inventor： Orin Del Vecchio ,  Nigel Lall ,  Paul Mon-Wah Chan ,  Jonathan K. Barnett ,  Garima Aggarwal

    IPC: G06Q40/00 ,  G06Q40/02

    Abstract: The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a communications device including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receive a notification of a status of an account parameter. The operations may also include identifying a device eligible to access the notification in accordance with a user-specified data restriction, and identifying at least a portion of the notification that is consistent with the data restriction. The communications device provide the identified portion of the notification to the eligible device without receiving input from the user, and the eligible device may present at least one of a visual, audible, or tactile indicator of the status of the account parameter.

Patent Agency Ranking