-
公开(公告)号：US20190392452A1
公开(公告)日：2019-12-26
申请号：US16560013
申请日：2019-09-04
Applicant: The Toronto-Dominion Bank
Inventor： SALIM JIVRAJ , Lauren Van Heerden , Michael D. Cummins , Prabaharan Sivashanmugan , Gerald Jeschke , Andrew Chak , Mike Stephenson , Paul Mon-Wah Chan , John Jong Suk Lee , Orin Del Vecchio
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.
-
公开(公告)号：US10248953B2
公开(公告)日：2019-04-02
申请号：US14510969
申请日：2014-10-09
Applicant: The Toronto-Dominion Bank
Inventor： Hisham I. Salama , Lauren Van Heerden , Orin Del Vecchio , Paul Mon-Wah Chan , Jonathan K. Barnett , Jakub Danielak
Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.
-
公开(公告)号：US10192264B2
公开(公告)日：2019-01-29
申请号：US14802975
申请日：2015-07-17
Applicant: The Toronto-Dominion Bank
Inventor： Jonathan K. Barnett , Lauren Van Heerden , Orin Del Vecchio , Gunalan Nadarajah , John Barbon , Paul Mon-Wah Chan , Jakub Danielak , Christianne Moretti , Matthew Hamilton
IPC: G06Q40/02
Abstract: A method and system for recommending a physical location at which to complete an electronic activity are disclosed. In some examples, initiation of the electronic activity by a user at a first physical location is detected, that the electronic activity is to be completed at a physical location different from the first physical location at least in part because completion of the electronic activity requires the user and one or more other parties is determined, one or more portions of the electronic activity that remain incomplete are determined, a second physical location at which to complete the one or more incomplete portions of the electronic activity is identified, and information about the electronic activity is provided to the one or more other parties.
-
34.发明授权公开(公告)号：US10176461B2
公开(公告)日：2019-01-08
申请号：US15672520
申请日：2017-08-09
Applicant: The Toronto-Dominion Bank
Inventor： Orin Del Vecchio , Lauren Van Heerden , Gunalan Nadarajah , Jonathan K. Barnett , Ashraf Metwalli , Jakub Danielak , Michael Loughry , Daniel M. Siegel , Nikolas Sawtschuk , Sultan Mehrabi , Paul Mon-Wah Chan , Matthew Hamilton , Christianne Moretti , John Barbon , John Jong-Suk Lee , Sophia Dhrolia
Abstract: The disclosed embodiments include methods and systems for providing a notification relating to a geographical boundary based on monitored sensor data collected by networked devices. The disclosed embodiments include, for example, a method that monitors positional sensor data received from one or more triggering devices. The method may calculate a first boundary extent delimiting the geographical area of the first boundary based on one or more boundary extent parameters. The method may also detect an occurrence of a triggering condition that impacts a movement of at least one of a client device or at least one of the triggering devices within a geographic region that includes the first location. In response to the detected triggering event, at least one of modified start time or a second location may be established for the event, which may be provided to the client and triggering devices in a notification.
-
公开(公告)号：US09953367B2
公开(公告)日：2018-04-24
申请号：US14589840
申请日：2015-01-05
Applicant: The Toronto-Dominion Bank
Inventor： Orin Del Vecchio , Nigel Lall , Paul Mon-Wah Chan , Jonathan K. Barnett , Garima Aggarwal
CPC classification number: G06Q40/02 , H04L67/10 , H04L67/18 , H04L67/22 , H04L67/26 , H04L67/306 , H04L67/42
Abstract: The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a 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 obtaining information identifying an event and a deadline specified by a user. The obtained information may link the event and deadline to corresponding user-specified temporal intervals. The operations may also include determining whether a current date falls within a time period prior to the deadline, the time period being established by the first temporal interval. When the current date falls within the time period, the operations may generate first notification information that, when presented via a client device in accordance with a user-specified indicator type, notified the user that the current sate falls within the first time period.
-
Patent Agency Ranking
公开(公告)号：US09928547B2
公开(公告)日：2018-03-27
申请号：US14589848
申请日：2015-01-05
Applicant: The Toronto-Dominion Bank
Inventor： Orin Del Vecchio , Nigel Lall , Paul Mon-Wah Chan , Jonathan K. Barnett , Garima Aggarwal
IPC: G06Q40/02
CPC classification number: 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.
-
37.发明授权公开(公告)号：US09916620B2
公开(公告)日：2018-03-13
申请号：US14588861
申请日：2015-01-02
Applicant: The Toronto-Dominion Bank
Inventor： Orin Del Vecchio , Nigel Lall , Paul Mon-Wah Chan , Jonathan K. Barnett , Garima Aggarwal
CPC classification number: G06Q40/02
Abstract: The disclosed embodiments include methods and systems for providing account status notifications. The disclosed embodiments include, for example, a device for providing account status notifications 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 receiving account status notification information for a first account associated with a user. The account status notification information may be generated based on one or more notification rules and account information associated with the first account. The operations may also include generating, based on the received account status notification information, a first account status indicator that provides a status of a first account parameter associated with the first account that is presented, via a device component and within a field-of-view of the user, without a user request to receive the status of the first account parameter.
-
38.发明授权公开(公告)号：US09754492B2
公开(公告)日：2017-09-05
申请号：US14794038
申请日：2015-07-08
Applicant: The Toronto-Dominion Bank
Inventor： Orin Del Vecchio , Lauren Van Heerden , Gunalan Nadarajah , Jonathan K. Barnett , Ashraf Metwalli , Jakub Danielak , Michael Loughry , Daniel M. Siegel , Nikolas Sawtschuk , Sultan Mehrabi , Paul Mon-Wah Chan , Matthew Hamilton , Christianne Moretti , John Barbon
CPC classification number: G08G1/205 , G06Q10/109 , G08G1/20 , H04W4/022 , H04W4/023
Abstract: The disclosed embodiments include methods and systems for providing a notification relating to a geographical boundary based on monitored sensor data collected by networked devices. The disclosed embodiments include, for example, a method that monitors positional sensor data received from one or more triggering devices. The method may calculate a first boundary extent delimiting the geographical area of the first boundary based on one or more boundary extent parameters. The method may also detect an occurrence of a triggering condition that impacts a movement of at least one of a client device or at least one of the triggering devices within a geographic region that includes the first location. In response to the detected triggering event, at least one of modified start time or a second location may be established for the event, which may be provided to the client and triggering devices in a notification.
-
公开(公告)号：US20170124546A1
公开(公告)日：2017-05-04
申请号：US15288266
申请日：2016-10-07
Applicant: The Toronto-Dominion Bank
Inventor： Kevin Ricardo Mari , Evan Zachary Cohen , Jonathan K. Barnett , John Jong Suk Lee , Paul Mon-Wah Chan , Orin Del Vecchio
Abstract: An event monitoring processor includes a processor and at least one memory. The memory stores a cohort member database, and a database of cohort definitions. Each cohort definition defines a respective cohort. The processor is configured to receive a notification identifying a member action initiated by a member of one of the cohorts. The processor is configured to determine, from the cohort definition of the one cohort, a correlation outcome value from a correlation between the member action and an action associated with the one cohort, and to update at least one of the cohort definitions by saving in the cohort definitions database particulars of the member action in association with the at least one of the cohort definition. The processor is configured to save in the cohort member database a member database record identifying the correlation outcome value. The cohort member database is associated with the cohort member.
-
公开(公告)号：US20140358786A1
公开(公告)日：2014-12-04
申请号：US14289261
申请日：2014-05-28
Applicant: The Toronto-Dominion Bank
Inventor： Lauren VAN HEERDEN , Michael D. Cummins , Prabaharan Sivashanmugam , Gunalan Nadarajah , Orin Del Vecchio
IPC: G06Q20/38
CPC classification number: G06Q20/3821 , G06Q20/351 , G06Q20/401
Abstract: The disclosed embodiments include systems and methods for issuing a virtual certified financial instrument. The disclosed embodiments may be configured to receive a financial instrument request for a virtual certified financial instrument, generate a payor token and a payee token, generate a reference token from the payor token and the payee token using an algorithm rendering it computationally infeasible for the reference token to be derived from only one of the payor token and the payee token, and uniquely associate the reference token with the virtual certified financial instrument. The disclosed embodiments may also be configured to receive, from the payor device or the payee device, a financial instrument redemption request that includes a composite token, and redeem the virtual financial instrument in accordance with a confirmation that the composite token matches the reference token.
Abstract translation: 所公开的实施例包括用于发行虚拟认证金融工具的系统和方法。 所公开的实施例可以被配置为接收对虚拟认证的金融工具的金融工具请求，生成付款人令牌和收款人令牌，从付款人令牌和收款人令牌生成参考令牌，并使用使计算上不可参考的算法的算法 令牌仅从付款人令牌和收款人令牌中的一个派生，并将参考令牌与虚拟认证的金融工具相关联。 所公开的实施例还可以被配置为从付款者设备或收款人设备接收包括复合令牌的金融工具兑换请求，并且根据复合令牌与参考令牌匹配的确认来兑换虚拟金融工具。
-
-
-
-
-
-
-
-
-
Search Results
76
records
(took 0.05 seconds)
