公开(公告)号：US11467749B2

公开(公告)日：2022-10-11

申请号：US16781136

申请日：2020-02-04

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  David Samuel Tax ,  Vipul Kishore Lalka

IPC: G06F3/06 ,  H04L9/40 ,  G06F9/54

Abstract: A system comprises a communications module; a processor coupled to the communications module; and a memory coupled to the processor, the memory storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module, a transfer instruction for transfer of data from a first data record associated with a transferor to a second data record associated with a recipient, the transfer instruction including a transfer amount and a condition associated with the transfer; send, via the communications module, a notification of the transfer instruction to a computing device associated with the recipient and request permission to obtain contextual data therefrom; when permission is granted, obtain, via the communications module, contextual data from the computing device; determine, based on the contextual data, that the condition associated with the transfer has been satisfied; and in response to determining that the condition associated with the transfer has been satisfied, effect the transfer of data from the first data record to the second data record.

公开(公告)号：US11126988B2

公开(公告)日：2021-09-21

申请号：US15831149

申请日：2017-12-04

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  Perry Aaron Jones Haldenby ,  Arthur Carroll Chow ,  David Samuel Tax ,  John Jong-Suk Lee ,  Arun Victor Jagga

IPC: G06Q20/20 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q20/22

Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that perform a real-time delegated approval of initiated data exchanges by network-connected devices. For example, an apparatus determines determine a value of a parameter that characterizes an exchange of data and a first data type involved in the data exchange, and generates and transmits a first signal to a communications device associated with a second data type available for use in the data exchange and associated with the first data type. The apparatus receives, from the communications device, a second signal that includes information indicative of an approval of the second data type for use in the data exchange, and in response to the received approval, the apparatus performs the data exchange using the second data type and in accordance with the parameter value.

公开(公告)号：US11017028B2

公开(公告)日：2021-05-25

申请号：US16150483

申请日：2018-10-03

Applicant: THE TORONTO-DOMINION BANK

Inventor： Milos Dunjic ,  Martin Albert Lozon ,  David Samuel Tax ,  Arthur Carroll Chow ,  Peter Glen Nairn ,  Edward James Hood ,  John Jong-Suk Lee ,  Arun Victor Jagga

IPC: G06F16/33 ,  G06N20/00 ,  G06F16/9032 ,  G06F9/54 ,  G10L15/06

Abstract: Systems and methods are provided that use a trained process to reply to a request comprising query data defining a query and context data defining contextual factors for the query from a device. The query is answered by one or more selected APIs of a plurality of APIs that invoke respective services to prepare a response. The trained process determines an execution plan responsive to the query data and the context data and is configured using training to define execution plans comprising selected APIs where a particular API is selected for the plan if it answers at least a portion of the query and the selected APIs together prepare the response optimized for the device according to the context data. The plan is provided to an execution component to execute the plan using the selected APIs and send the response to the requesting device.

公开(公告)号：US20200097955A1

公开(公告)日：2020-03-26

申请号：US16142825

申请日：2018-09-26

Applicant: The Toronto-Dominion Bank

Inventor： Rajeev Kumar Gandhi ,  Robert Kyle Miller ,  Kushank Rastogi ,  David Samuel Tax ,  Milos Dunjic ,  Arthur Carroll Chow ,  Armon Rouhani ,  Maryam Karbasi ,  Kamana Tripathi ,  John Jong-Suk Lee ,  Arun Victor Jagga

IPC: G06Q20/38 ,  G06N99/00

Abstract: The present disclosure involves systems, software, and computer implemented methods for a remittance system that pre-populates remittance data based on historical usage of remittance transactions. One example system includes operations to generate, using a predictive model, data indicating a predicted likelihood of a user selecting at least one data exchange transaction, wherein the data indicates the predicted likelihood of the user performing the at least one data exchange transaction. A request is received to access a remittance page. In response, the at least one data exchange transaction that was previously generated is selected from a repository of predicted likelihoods. Remittance data associated with a UI element is generated that includes the at least one data exchange transaction. The remittance data is transmitted to the device. An indication from the device is received for interacting with the UI element. The data exchange transaction is executed in response to receiving the indication.

公开(公告)号：US12118554B2

公开(公告)日：2024-10-15

申请号：US17683079

申请日：2022-02-28

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  David Samuel Tax ,  Jonathan Joseph Prendergast ,  Christopher Mark Jones ,  Thomas Osman Kelly ,  Asad Joheb

IPC: G06Q30/00 ,  G06Q20/18 ,  G06Q20/40 ,  G06Q30/0601

CPC classification number: G06Q20/40145 ,  G06Q20/18 ,  G06Q30/0601

Abstract: According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises. The ambient commerce system may include a processor coupled to the one or more sensors. The ambient commerce system may include a memory coupled to the processor. The memory may store processor-executable instructions which, when executed, cause the processor to: detect, based on an output of one or more of the sensors, engagement of an entity with a restricted item; identify the entity; obtain at least a portion of a profile for the entity; determine, based on the at least a portion of the profile for the identified entity, eligibility for the entity to acquire the restricted item; and selectively generate, based on the determined eligibility for the entity, a notification on an electronic device associated with the entity.

公开(公告)号：US12101349B2

公开(公告)日：2024-09-24

申请号：US16571394

申请日：2019-09-16

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  Arthur Carroll Chow ,  David Samuel Tax ,  Gregory Albert Kliewer ,  Anthony Haituyen Nguyen

IPC: G06Q40/02 ,  G06F11/34 ,  H04L9/40

CPC classification number: H04L63/1466 ,  G06F11/3457 ,  G06Q40/02

Abstract: A method for evaluating security of third-party application is disclosed. The method includes: in an automated test environment: launching a test instance of a first application; and obtaining a data access signature of the first application based on identifying at least one application state of the first application and account data retrieved by the first application from a user account at a protected data resource in the at least one application state; receiving, from a client device associated with the user account, an indication of access permissions for the first application to access the user account for retrieving account data; detecting a change in the data access signature of the first application; and in response to detecting the change in the data access signature of the first application, notifying the user of the detected change.

公开(公告)号：US12028275B1

公开(公告)日：2024-07-02

申请号：US18455862

申请日：2023-08-25

Applicant: The Toronto-Dominion Bank

Inventor： David Samuel Tax ,  Milos Dunjic ,  Pranay Chander Gupta ,  Hitesh Bajaj ,  Kushank Rastogi ,  Abeera Aguiar

IPC: G06Q40/04 ,  H04L47/70 ,  H04L47/762

CPC classification number: H04L47/826 ,  G06Q40/04 ,  H04L47/762

Abstract: Methods and computer systems for locking in offsets associated with resource requests. Receiving input of a resource request amount for a resource request, the resource request associated with a defined period of time and a property. Determining, based on data indicating one or more characteristics of the property, a metric representing an expected quantity of emissions over the defined period of time. Identifying an application programming interface capable of processing a request to lock in an amount for an offset product. Using the application programming interface and the metric to determine an offset amount to offset the expected quantity of emissions. Determining a periodic data transfer amount for the resource request that is based on the resource request amount and the offset amount. Outputting the periodic data transfer amount. Receiving an instruction to initiate the resource request and using the application programming interface to lock in the offset amount.

公开(公告)号：US11948211B2

公开(公告)日：2024-04-02

申请号：US18318216

申请日：2023-05-16

Applicant: The Toronto-Dominion Bank

Inventor： David Samuel Tax ,  Milos Dunjic ,  Kushank Rastogi ,  Joseph Matthew Capern

IPC: G06Q30/00 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q30/0601 ,  G06Q40/04 ,  G06Q50/14 ,  H04W4/02 ,  H04W4/20

CPC classification number: G06Q50/14 ,  G06Q20/3224 ,  G06Q20/381 ,  G06Q30/0631 ,  G06Q40/04 ,  H04W4/02 ,  H04W4/20

Abstract: Computing devices, systems, and methods for automatically prompting a foreign currency transaction by detecting a trip end condition associated with a registered user with respect to travel to a foreign location associated with a foreign currency. The methods and system may further determine that the registered user has a remaining foreign currency balance, and, as a result, may identify and send to the registered user's mobile device at least one option for using the remaining foreign currency balance. The at least one option may be a merchant offer from a merchant located in the area of the mobile device or may include an option to exchange the foreign currency for another currency. The trip end condition may be detected by determining that the registered user and/or user's mobile device is at an international departure location. The currency exchange may be with another registered user.

公开(公告)号：US11882126B2

公开(公告)日：2024-01-23

申请号：US17720952

申请日：2022-04-14

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  David Samuel Tax ,  Gregory Albert Kliewer

IPC: H04L9/40

CPC classification number: H04L63/102 ,  H04L63/0876 ,  H04L63/0884 ,  H04L63/101

Abstract: A computer-implemented method is disclosed. The method includes: receiving, via an application server associated with a first application, a request for the first application to perform a first access operation in connection with a user account at a protected resource; determining that the first access operation is not among permitted user account operations for the first application in connection with the user account; and in response to determining that the first access operation is not among the permitted user account operations: generating a request for a one-time authorization for the first application to perform the first access operation; sending, to a client device, the request for the one-time authorization; receiving, via the client device, an indication of the requested one-time authorization; generating an access token for a one-time access of the user account based on the indication of one-time authorization; and transmitting the access token to the application server associated with the first application to grant, to the first application, one-time access to the user account.

公开(公告)号：US11750686B2

公开(公告)日：2023-09-05

申请号：US17392634

申请日：2021-08-03

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  David Samuel Tax ,  Kushank Rastogi ,  Vipul Kishore Lalka

IPC: H04L67/06 ,  H04L41/22 ,  H04L9/40 ,  H04L67/01

CPC classification number: H04L67/06 ,  H04L41/22 ,  H04L63/104 ,  H04L63/20 ,  H04L67/01

Abstract: A server computer system, comprises a processor; a communications module coupled to the processor; and a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to receive, via the communications module and from a client device, a signal including a request to configure a transfer of data to a particular data record; determine that the particular data record is associated with a third party server; obtain a trust score associated with the particular data record; determine that the trust score satisfies trust criteria; and responsive to determining that the trust score satisfies trust criteria, enable one or more transfer features associated with a real-time transfer protocol.