公开(公告)号：US20190124157A1

公开(公告)日：2019-04-25

申请号：US16230859

申请日：2018-12-21

Applicant: The Toronto-Dominion Bank

Inventor： Dino Paul D'AGOSTINO ,  Rakesh Thomas JETHWA ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE

IPC: H04L29/08 ,  H04W4/21 ,  H04W12/06 ,  G06Q20/40 ,  G06Q20/10

CPC classification number: H04L67/141 ,  G06Q20/1085 ,  G06Q20/401 ,  H04L67/12 ,  H04L67/143 ,  H04W4/21 ,  H04W12/06

Abstract: A method and system are provided for processing context data for interaction sessions. The method includes detecting a first interaction session using a first interaction channel between a request initiator and a request service provider and obtaining context data of a plurality of other interaction sessions between the request initiator and the request service provider. The context data is related to activity of the request initiator, and at least one of the plurality of other interaction sessions and the first interaction session use different types of interaction channels between the request initiator and the request service provider. The method also includes selecting a subset of the context data of the plurality of other interaction sessions that are related to the activity. The method also includes providing the subset of the context data for the first interaction session.

公开(公告)号：US20180136792A1

公开(公告)日：2018-05-17

申请号：US15349508

申请日：2016-11-11

Applicant: The Toronto-Dominion Bank

Inventor： Helene Nicole ESPOSITO ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE

IPC: G06F3/0482 ,  G06F3/0481 ,  G06F3/0488

CPC classification number: G06F3/0482 ,  G06F3/04817 ,  G06F3/0488 ,  G06Q10/06311 ,  G06Q40/02

Abstract: The disclosed embodiments include computer-implemented devices and processes that generate, present, and manipulate data-aggregating graphical user interfaces. For example, a network-connected device may generate a first interface element representative of an obligation and may display, through a display unit, an graphical user interface that includes the first interface element and a plurality of second interface elements representative of time periods available for resolving the obligation. The network-connected device may receive, from an input unit, first input data indicative of a selection of the first interface element and second input data indicative of a movement of the selected first interface element from the first position to a second position within the interface. The network-connected device may associate the second position with a corresponding one of the second interface elements, and in response to the association, schedule the obligation for resolution during the time period represented by the corresponding second interface element.

公开(公告)号：US20180101903A1

公开(公告)日：2018-04-12

申请号：US15290556

申请日：2016-10-11

Applicant: The Toronto-Dominion Bank

Inventor： Rajeev Kumar Gandhi ,  Robert Kyle MILLER ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Rakesh Thomas JETHWA

IPC: G06Q40/02 ,  G06Q10/10 ,  G06F3/0484 ,  G06F3/0486

Abstract: A computing device and method for managing an account. A computer displays a historical timeline and an event placement timeline. Past events are shown along the historical timeline, and future events along the event placement timeline. The computer suggest a change to the timing of one of the events. The user moves a movable object to the proposed timing to reschedule the event. The settings of the account are modified to automatically execute that event at the new timing.

公开(公告)号：US20180101902A1

公开(公告)日：2018-04-12

申请号：US15290528

申请日：2016-10-11

Applicant: The Toronto-Dominion Bank

Inventor： Rajeev Kumar GANDHI ,  Robert Kyle MILLER ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Rakesh Thomas JETHWA

IPC: G06Q40/02 ,  G06F3/0484 ,  G06F3/0486

CPC classification number: G06Q40/02 ,  G06F3/0482 ,  G06F3/04847 ,  G06F3/0486

Abstract: A device and method for management of an account. An event placement timeline is displayed. Account events are shown along the timeline. A preferred event time range or “safe zone” is shown along the timeline. The “safe zone” is the portion of the month during which it is safe to schedule certain events, like bill payments, with lower risk of NSF, overdraft or the like. The user moves a movable object into the “safe zone” to reschedule the account event in the “safe zone”, and the settings of the account are modified to automatically execute the account event at that time.

公开(公告)号：US20180097910A1

公开(公告)日：2018-04-05

申请号：US15620632

申请日：2017-06-12

Applicant: The Toronto-Dominion Bank

Inventor： Dino Paul D'AGOSTINO ,  Rakesh Thomas JETHWA ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Dean C.N. TSERETOPOULOS ,  Sarabjit Singh WALIA ,  Gregory Richard HARPER

IPC: H04L29/08 ,  G06Q20/10

CPC classification number: H04L67/32 ,  G06Q20/1085 ,  H04L67/10 ,  H04L67/14 ,  H04L67/147

Abstract: A method and system are provided for processing an interaction response of a request service provider. The method includes detecting the interaction response for a first interaction session using a first interaction channel between a request initiator and the request service provider, assigning an identifier to the interaction response, determining a task associated with the interaction response, and obtaining context data of a plurality of other interaction sessions. The plurality of other interaction sessions occurs proximal in time with the first interaction session. The context data is related to activity of the request initiator. The method also includes associating a subset of the context data with the interaction response. The subset of the context data is the context data of the plurality of other interaction sessions that are related to the task. The method also includes modifying the interaction response using the subset of the context data.

公开(公告)号：US20180097783A1

公开(公告)日：2018-04-05

申请号：US15281433

申请日：2016-09-30

Applicant: The Toronto-Dominion Bank

Inventor： Perry Aaron Jones HALDENBY ,  Arthur Carroll CHOW ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Ling TAO

IPC: H04L29/06 ,  H04L9/08 ,  H04L9/14 ,  H04L9/32

CPC classification number: H04L63/0442 ,  H04L9/0861 ,  H04L9/14 ,  H04L9/3247 ,  H04L9/3263

Abstract: An apparatus for use in a digital messaging system includes a storage device and a processor coupled to the storage device. The storage device storing software instructions for controlling the processor that when executed by the processor configured the processor to: generate a first message comprising a payload portion; encrypt the payload portion of the message; derive a first session key from a domain-specific key; and sign the message using the first session key.

公开(公告)号：US20180096349A1

公开(公告)日：2018-04-05

申请号：US15285869

申请日：2016-10-05

Applicant: The Toronto-Dominion Bank

Inventor： Ian James MCDONALD ,  Adam Douglas MCPHEE ,  Perry Aaron Jones HALDENBY ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE

IPC: G06Q20/38 ,  G06Q20/06

CPC classification number: G06Q20/3829 ,  G06Q20/0658 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/38 ,  G06Q20/38215 ,  G06Q2220/00

Abstract: A system has a storage medium encoded with program instructions, and a processor coupled to access the program instructions. The instructions configure the processor for: receiving a first request at a POS terminal to surrender a previously purchased first asset in exchange for at least a portion of a second asset that was used to purchase the first asset, receiving the private key from the first asset; accessing a set of rules stored in a distributed electronic ledger, the set of rules specifying conditions associated with the first request; transmitting an authorization to return the at least a portion of the second asset in exchange for surrender of the first asset, in the case where the conditions are satisfied; and invalidating the first request in the case where one or more of the conditions are not satisfied.

公开(公告)号：US20180096319A1

公开(公告)日：2018-04-05

申请号：US15286479

申请日：2016-10-05

Applicant: The Toronto-Dominion Bank

Inventor： Garima AGGARWAL ,  Hisham Ibrahim SALAMA ,  Rakesh Thomas JETHWA ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Dean C. N. TSERETOPOULOS ,  Amber Rose COSSITT

IPC: G06Q20/10 ,  G06F3/041 ,  G06F3/044 ,  G06F3/0488

CPC classification number: G06F3/04883 ,  G06F21/31 ,  G06F2203/04105 ,  G06Q20/108 ,  G06Q20/3223 ,  G06Q20/403 ,  G06Q20/405

Abstract: A method and system are provided for facilitating access to electronic data. The method is executed by a processor of a computing device. The computing device includes the processor coupled to a memory, a communications module, and an input device. The method includes receiving a first input from the input device representing a request from a request initiator to access funds for use in a transaction, requesting and receiving, via the communications module, financial health data associated with the request initiator, and determining a second input for accessing the funds. The second input is received from the input device and has a complexity dependent on the financial health data. The method also includes facilitating access to the funds when the second input is received.

公开(公告)号：US20180089655A1

公开(公告)日：2018-03-29

申请号：US15277132

申请日：2016-09-27

Applicant: The Toronto-Dominion Bank

Inventor： Ian James MCDONALD ,  Adam Douglas MCPHEE ,  Perry Aaron Jones HALDENBY ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE

IPC: G06Q20/20

CPC classification number: G06Q20/02 ,  G06Q20/065 ,  G06Q20/3825 ,  G06Q20/3827 ,  G06Q20/4037

Abstract: An apparatus for use in a digital asset tracking system includes a storage device and a processor coupled to the storage device. The storage device stores software instructions for controlling the processor that when executed by the processor configure the processor to receive a signal representing a request comprising a first transfer from a first digital container associated with a first client to a second digital container associated with a second client. A value of the first transfer is compared to a total value in one or more accounts associated with the first client. At least one of the one or more accounts associated with the first client has a value in a first currency. A first draft is generated from a first account to an account associated with the second client. The first draft comprises a value in a second currency equivalent to the value of the first transfer.

公开(公告)号：US20170124558A1

公开(公告)日：2017-05-04

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: G06Q20/38 ,  G06Q20/40 ,  H04L9/32 ,  G06Q20/10 ,  H04W12/06 ,  H04L29/06

CPC classification number: G06Q20/3829 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q40/025 ,  H04L9/0891 ,  H04L9/3213 ,  H04L9/3226 ,  H04L63/08 ,  H04L63/0807 ,  H04L2209/56 ,  H04L2463/102 ,  H04W12/06

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.