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公开(公告)号：US20180365024A1
公开(公告)日：2018-12-20
申请号：US15622647
申请日：2017-06-14
Applicant: The Toronto-Dominion Bank
Inventor： Alexander KIRIAKOU , Milos DUNJIC , Arthur Carroll CHOW , John Jong-Suk LEE , Arun Victor JAGGA
Abstract: The disclosed embodiments include computer-implemented systems and processes that dynamically and selectively modify portions of a displayed interface to include interface elements that, when selected by a user through a single provided input, initiate a performance of a data exchange in accordance with parameter values consistent with prior initiated data exchanges. For example, a communications device may display, on a display unit, a first interface element representative of a first data exchange and may receive expected values of parameters that characterize the second data exchange. When a determined parameter value is consistent with the expected parameter values, the communications device may modify the first interface element and present, on the display unit, the modified first interface element and a second interface element within the interface. Upon selection of the second interface element, the communications device may initiate the second data exchange in accordance with the expected parameter values.
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42.发明公开公开(公告)号：US20230291571A1
公开(公告)日：2023-09-14
申请号：US18196230
申请日：2023-05-11
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , Arthur Carroll CHOW , David Samuel TAX , Armon ROUHANI , Keith Sanjay AJMANI , Gregory Albert KLIEWER , Anthony Haituyen NGUYEN , Martin Albert LOZON , Kareem EL-ONSI , Ashkan ALAVI-HARATI , Arun Victor JAGGA
CPC classification number: H04L9/3247 , H04L9/3213 , H04L9/30
Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, apparatuses, and processes that dynamically implement and manage consent and permissioning protocols using container-based applications. By way of example, a device may receive, through a programmatic interface, a first request for an element of data generated by an executed application program. When the first request is consistent with consent data associated the executed application program, the device may obtain the requested data element and a digital signature applied to the requested data element by a computing system. Based on a verification of the applied digital signature, the device may generate and present a representation of the requested data element within a digital interface, along with an interface element that confirms the verification of the digital signature.
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公开(公告)号：US20220092552A1
公开(公告)日：2022-03-24
申请号：US17541340
申请日：2021-12-03
Applicant: The Toronto-Dominion Bank
Inventor： Jonathan David ALMANZA AHUMADA , Laird Jerome HERCULES , Ashkan ALAVI-HARATI , Arun Victor JAGGA
Abstract: In an aspect, a method includes: providing, to a first client device, an invitation configuration interface for display on the first client device, the invitation configuration interface including a selectable option to specify a date associated with an invitation for a milestone event, a selectable option to configure a value storage account, and a selectable option to define a recipient associated with the invitation; receiving, through the invitation configuration interface, a configuration parameter for the value storage account and a messaging address for the recipient; and providing an electronic invitation to the recipient by sending a message to a recipient device using the messaging address, the electronic invitation including a selectable option to send an electronic response to the invitation and a selectable option to transfer value to the value storage account.
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公开(公告)号：US20220005075A1
公开(公告)日：2022-01-06
申请号：US17472044
申请日：2021-09-10
Applicant: The Toronto-Dominion Bank
Inventor： Adrian BLOY , Sebastien FORGET , Ryan Edmund VEKEMAN , Connie Maun-Fong CHAN , Daniel Lam Tin CHEUNG , Arun Victor JAGGA , John Jong-Suk LEE
IPC: G06Q30/02 , H04W88/06 , G06F16/487
Abstract: The disclosed embodiments generally relate to systems, methods, and apparatus for dynamic context-based electronic offer communication. In one aspect, a computer server is disclosed, comprising: a hardware processor configured to execute instructions stored in a memory to: receive location data from a mobile device; determine a context of the mobile device based on the location data; generate a database query using the determined context; send the generated query to an events database; receive a conditional electronic offer from the events database; determine user data requirements based on the conditional electronic offer; send a request based on the user data requirements to a secure server; receive user data from the secure server; generate an electronic offer communication based on the conditional electronic offer when the user data received from the secure server meets the user data requirements; and send the electronic offer communication to the mobile device.
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公开(公告)号：US20210374282A1
公开(公告)日：2021-12-02
申请号：US17399539
申请日：2021-08-11
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Arthur Carroll CHOW , Peter Glen NAIRN , Edward James HOOD , Martin Albert LOZON , John Jong-Suk LEE , Arun Victor JAGGA
Abstract: A computer system and method for managing a data request interface. The system includes a memory associated with the data request interface and coupled to a processor. The memory includes processor-executable instructions of the method for managing the data request interface. The method includes: receiving, from a first client device, a first signal including a primary authorization credential associated with a data record and a second signal including a request to generate an alternate authorization credential for use by a software module. The alternate authorization credential is associated with data retrieval constraints. The method includes generating the alternate authorization credential and configuring the data request interface to impose the data retrieval constraints for constraining data operations on the data record upon receipt of the alternate authorization credential. The method further includes sending, to the first client device or a second client device, a third signal including the alternate authorization credential.
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Patent Agency Ranking
公开(公告)号：US20210183390A1
公开(公告)日：2021-06-17
申请号：US17189429
申请日：2021-03-02
Applicant: The Toronto-Dominion Bank
Inventor： Nasim Sarir , Steven GERVAIS , Peter HORVATH , Ekas Kaur RAI , Peter John ALEXANDER , Arun Victor JAGGA
Abstract: Systems, devices and methods for delivering audible alerts are described. In one aspect, an event for generating an audible alert for a user is detected. In response to detection of the event for generating the audible alert, it is determined whether an authorized audible interface device is within a threshold distance of the user based on a location of the user and a location of one or more authorized audible interface devices. In response to determining that an audible interface device is within the threshold distance of the user, alert instructions for the audible interface device are generated. The alert instructions cause the audible interface device to generate the audible alert in accordance with alert data provided in the alert instructions. The alert instructions are sent to the audible interface device over a wireless network via a communication module.
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47.发明申请公开(公告)号：US20210112131A1
公开(公告)日：2021-04-15
申请号：US17128553
申请日：2020-12-21
Applicant: The Toronto-Dominion Bank
Inventor： Adam Douglas MCPHEE , Matta WAKIM , Kyryll ODOBETSKIY , John Jong-Suk LEE , Arun Victor JAGGA
Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that dynamically generate and provision contextually relevant notifications to network-connected devices. For example, an apparatus receives a first signal that includes information indicative of an authorized data exchange involving a terminal device and a client device. The apparatus identifies and loads data specifying a notification template from the storage unit, and generates notification data that is populated with a portion of the received information in accordance with the notification template. The apparatus further transmits a second signal that includes the notification data to the client device. In some instances, the second signal is transmitted through a programmatic interface associated with an application program executed by the client device, and the client device is configured to display the notification data on a corresponding interface.
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公开(公告)号：US20210103980A1
公开(公告)日：2021-04-08
申请号：US16592985
申请日：2019-10-04
Applicant: The Toronto-Dominion Bank
Inventor： Sangeeta MATHEW , Darius BRAZIUNAS , Arthur Carroll CHOW , Ling TAO , Arun Victor JAGGA
Abstract: In an aspect, the present application describes a method including: identifying, from a set of accounts each having a transfer listing that includes a plurality of transfers with a first counterparty, a first rule; identifying, for a first account not included in the set of accounts, an initial transfer with the first counterparty; identifying one or more projected future transfers for first account based on a date associated with the initial transfer and the first rule; detecting one or more further transfers with the first counterparty from the transfer listing for the first account; determining, based on the one or more further transfers and the initial transfer, that a second rule matches a pattern defined by the further transfers and the initial transfers better than the first rule; and providing a notification to a client device associated with the first account based on the second rule.
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49.发明申请公开(公告)号：US20200382510A1
公开(公告)日：2020-12-03
申请号：US16429719
申请日：2019-06-03
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , Arthur Carroll CHOW , David Samuel TAX , Armon ROUHANI , Keith Sanjay AJMANI , Gregory Albert KLIEWER , Anthony Haituyen NGUYEN , Martin Albert LOZON , Kareem EL-ONSI , Ashkan ALAVI-HARATI , Arun Victor JAGGA
IPC: H04L29/06
Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically manage consent, permissioning, and trust between computing systems that maintain confidential data and unrelated third-party applications. By way of example, an apparatus may obtain interaction data that identifies an interaction between an application program executed at a first computing system and a programmatic interface of a second computing system. Based on the interaction data, the apparatus may generate outcome data characterizing a probability that the requested access to the data element is inconsistent with an access permission granted to the executed application program, and may modify the access permission in accordance with the outcome data. The apparatus may also perform that generate permissioning data indicative of the modified access permission and that store the permissioning data within a locally accessible or cloud-based repository.
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公开(公告)号：US20200372247A1
公开(公告)日：2020-11-26
申请号：US16991554
申请日：2020-08-12
Applicant: The Toronto-Dominion Bank
Inventor： John Michael COLLINSON , Christopher William COONEY , Russell VOUTOUR , Marie-Julie DEMERS , Arun Victor JAGGA , John Jong-Suk LEE
IPC: G06K9/00 , G06F7/50 , G06N20/00 , G06F16/34 , G06F40/186
Abstract: A server 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, configure the processor to receive, via the communications module and from a computing device, a signal comprising image data representing a first document; automatically analyze text in the first document based on stored classification data to identify a first parameter from the text in the first document; compare the first parameter to a second parameter, the second parameter being obtained from a data store and being associated with a second document; determine annotation data based on the comparison, the annotation data determined based on the first parameter and the second parameter; and provide, to the computing device via the communications module, a signal that includes an instruction to cause the annotation data to be overlaid on a display of the computing device, the display of the computing device displaying a real-time image of the first document, the instruction including marker data identifying a location associated with the first document and influencing a location of the annotation in the display.
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