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    Assisted Channel Credit Applications with Automatic Integration into Digital Wallets
    41.
    发明公开
    Assisted Channel Credit Applications with Automatic Integration into Digital Wallets 审中-公开

    公开(公告)号：US20240362709A1

    公开(公告)日：2024-10-31

    申请号：US18767513

    申请日：2024-07-09

    Applicant: The Toronto-Dominion Bank

    Inventor： Adrian Bloy ,  Morgan Klein-MacNeil ,  Alan Tam ,  Trevor Ross Gimbel ,  Julianne Helen Fong

    IPC: G06Q40/03 ,  G06Q20/36

    CPC classification number: G06Q40/03 ,  G06Q20/3672

    Abstract: The present disclosure involves systems, software, and computer-implemented methods for providing assisted channel credit application completion for customers, where approval of the credit application results in an automatic integration of payment credentials into a corresponding digital wallet. One example method includes receiving, via an assisted channel user terminal, a request to apply for a new credit account for a customer. Input into a digital credit application is input by an employee or teller on behalf of the customer. A credit adjudication process is performed on the application, and, in response to approval, a new credit account associated with the customer and corresponding payment information is created. A system to which the set of payment information is to be provided is identified, and the set of payment information associated with the new credit account is transmitted to those systems to be automatically integrated into those systems' digital wallets.

    SYSTEM AND METHOD OF PROCESSING A DATA ACCESS REQUEST
    42.
    发明公开
    SYSTEM AND METHOD OF PROCESSING A DATA ACCESS REQUEST 审中-公开

    公开(公告)号：US20240362353A1

    公开(公告)日：2024-10-31

    申请号：US18764944

    申请日：2024-07-05

    Applicant: The Toronto-Dominion Bank

    Inventor： Shishir Dattatraya BHAT ,  Marcus Edward FURLONG ,  Katherine KANCZUGA ,  Sumathi SEETHARAMAN

    IPC: G06F21/62 ,  G06Q40/02

    CPC classification number: G06F21/6218 ,  G06Q40/02

    Abstract: Computing platforms, methods, and storage media for processing a data access request are disclosed. Exemplary implementations may: generate, at the computing platform and based on a received data access request, a revocable 1:1:1 token that authorizes data sharing for a specific combination of third party application-aggregator-institution for a user associated with a communication device; and cause display of a user interface including a list of a plurality of third party applications for which data access is currently granted and for which a revocable 1:1:1 token is stored, the user interface enabling selective revocation of data access from among the listed plurality of third party applications. Exemplary implementations may generate an instruction to delete the stored revocable 1:1:1 token associated with the selected third party application, and may cause display of an access revocation selector, and may generate a selective revocation request associated with the selective revocation of data access.

    System and method for authorizing data transfers
    43.
    发明授权
    System and method for authorizing data transfers 有权

    公开(公告)号：US12130896B2

    公开(公告)日：2024-10-29

    申请号：US17380513

    申请日：2021-07-20

    Applicant: The Toronto-Dominion Bank

    Inventor： Dino Paul D'Agostino

    IPC: G06F21/31 ,  G06F21/60

    CPC classification number: G06F21/31 ,  G06F21/606

    Abstract: Systems and methods for authorizing data transfers are disclosed. Exemplary implementations may: receive a data transfer authorization request based on a data transfer initiated by a customer computing device; when the customer computing device is associated with a system of trust: send a third-party second-factor authentication message to trustee computing device(s) without sending any message to the customer computing device, and authorize the data transfer system to complete the data transfer request in response to receipt of a third-party authentication confirmation from the trustee computing device(s) and in the absence of any authentication confirmation from the customer computing device.

    RESOURCE MANAGEMENT USING FLEXIBLY-SCHEDULED PROCESSING
    44.
    发明公开
    RESOURCE MANAGEMENT USING FLEXIBLY-SCHEDULED PROCESSING 审中-公开

    公开(公告)号：US20240345880A1

    公开(公告)日：2024-10-17

    申请号：US18298632

    申请日：2023-04-11

    Applicant: The Toronto-Dominion Bank

    Inventor： David Samuel TAX ,  Milos DUNJIC ,  Vipul Kishore LALKA ,  Jonathan Joseph PRENDERGAST ,  Hitesh BAJAJ ,  Susan Elizabeth HAWKINS

    IPC: G06F9/48 ,  G06F9/50

    CPC classification number: G06F9/4887 ,  G06F9/5027

    Abstract: Methods and systems for controlling computing processes to manage finite resources are described. In an aspect, a method may include obtaining resource availability data indicating current resource availability for a resource associated with the computing system. The method may further include detecting an excess availability of a resource of a particular type based on the resource availability data. The method may further include, in response to detecting the excess availability of the resource of the particular type, identify a flexibly-scheduled computing process requiring the use of the resource of the particular type. The method may further include initiating the flexibly-scheduled computing process to consume at least a portion of the excess availability of the resource.

    SYSTEM AND METHOD FOR ENABLING DATA ACCESS IN A VIRTUAL ENVIRONMENT
    48.
    发明公开
    SYSTEM AND METHOD FOR ENABLING DATA ACCESS IN A VIRTUAL ENVIRONMENT 审中-公开

    公开(公告)号：US20240303667A1

    公开(公告)日：2024-09-12

    申请号：US18179708

    申请日：2023-03-07

    Applicant: The Toronto-Dominion Bank

    Inventor： Tonja Selena LAUNEN ,  James Frederick FLOYD ,  Paul Thomas MCGHEE ,  Andy Jason LY ,  Stephen Matthew DEARDEN

    IPC: G06Q30/015 ,  G06F3/01

    CPC classification number: G06Q30/015 ,  G06F3/011

    Abstract: Computing platforms, methods, and storage media for enabling data access in a virtual environment are disclosed. Exemplary implementations may: obtain, from a data server, data associated with a plurality of customer records, such as customer accounts; generate, by a processor, a plurality of display components configured to display, in a virtual three-dimensional environment, customer record details associated with the plurality of customer records; and provide the plurality of display components for display in the three-dimensional virtual environment such that the plurality of display components are viewable in the three-dimensional environment by a user associated with the customer record details and by a third party. Exemplary implementations may provide enhanced access to customer records or customer accounts, including forecasting and visualization, for example in a metaverse environment.

    Application of trained artificial intelligence processes to encrypted data within a distributed computing environment
    49.
    发明授权
    Application of trained artificial intelligence processes to encrypted data within a distributed computing environment 有权

    公开(公告)号：US12079351B2

    公开(公告)日：2024-09-03

    申请号：US18367374

    申请日：2023-09-12

    Applicant: The Toronto-Dominion Bank

    Inventor： James Anthony Begg ,  Omar Hamdan ,  Sertac Kabadayi ,  Zezhong Zheng ,  Jinoj Titus

    IPC: G06F21/60 ,  G06N3/04 ,  G06N3/08 ,  H04L9/00

    CPC classification number: G06F21/602 ,  G06N3/04 ,  G06N3/08 ,  H04L9/008

    Abstract: The disclosed embodiments include computer-implemented processes that predict a credit score for a customer in real-time based on an application of a trained machine-learning or artificial-intelligence process to encrypted event data at a third-party computing cluster. For example, an apparatus may transmit encrypted event data to a third-party computing system. The third-party computing system may apply a trained artificial intelligence process to encrypted feature data that includes the encrypted event data, and the apparatus may receive, from the third-party computing system, encrypted output data representative of a predicted credit score during at least one temporal interval. The apparatus may decrypt the encrypted output data using a homomorphic decryption key, and transmit a notification that includes the decrypted output data to a device. An application program executed at the device may present a graphical representation of at least a portion of the decrypted output data within a digital interface.

    METHOD AND SYSTEM FOR PERFORMING AN OPERATION IN RESPONSE TO A SESSION HANDOFF
    50.
    发明公开
    METHOD AND SYSTEM FOR PERFORMING AN OPERATION IN RESPONSE TO A SESSION HANDOFF 审中-公开

    公开(公告)号：US20240291884A1

    公开(公告)日：2024-08-29

    申请号：US18174167

    申请日：2023-02-24

    Applicant: The Toronto-Dominion Bank

    Inventor： Karen MAXWELL ,  Amanda BUCHANAN

    IPC: H04L67/04 ,  G06Q20/08 ,  H04L67/14

    CPC classification number: H04L67/04 ,  G06Q20/0855 ,  H04L67/14

    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 third party server computer system, a session handoff that includes session definition data identifying two or more items; provide, via the communications module and to a client device, a user interface for defining instructions based on the session definition data; receive, via the communications module and from the client device, the instructions defining at least one threshold associated with the two or more items; and perform an operation in accordance with the instructions defining the at least one threshold.

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