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公开(公告)号：US10325312B2
公开(公告)日：2019-06-18
申请号：US15271853
申请日：2016-09-21
Applicant: The Toronto-Dominion Bank
Inventor： John Jong-Suk Lee , Paul Mon-Wah Chan , Jonathan K. Barnett , Roisin Lara Fritz , Michael Grouios , Joe Moghaizel
Abstract: The present disclosure involves systems and computer implemented methods for performing a failure analysis on a device monitored by at least one connected device, where in response to a determination of an impending failure, at least one corrective action is determined and suggested to the user of the monitored device. In one example, operations include monitoring operations of at least one monitored device using at least one connected device, determining a projected life span of the at least one monitored device based on the monitored operations, and, if the projected life span of the monitored device is less than a threshold amount, determining a corrective action to perform. A proposal can be generated for presentation based on the corrective action. The proposal may be based on the estimated cost of the determined corrective action and an analysis of an account.
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公开(公告)号：US20190156338A1
公开(公告)日：2019-05-23
申请号：US16251470
申请日：2019-01-18
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.
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公开(公告)号：US20190114703A1
公开(公告)日：2019-04-18
申请号：US16212808
申请日：2018-12-07
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 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 second physical location. In some examples, the identification of the second physical location is based on at least characteristics of the electronic activity, the user, and/or the second physical location.
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公开(公告)号：US09864982B2
公开(公告)日：2018-01-09
申请号：US14529508
申请日：2014-10-31
Applicant: THE TORONTO-DOMINION BANK
Inventor： Lori Bristow , Paul Mon-Wah Chan , Jonathan K. Barnett , Orin DelVecchio , Lauren van Heerden
CPC classification number: G06Q20/32 , G06K9/00288 , G06Q20/102 , G06Q20/204 , G06Q20/3224 , G06Q20/4014 , G06Q20/40145
Abstract: The present disclosure involves systems, software, and computer implemented methods for sending payment requests to one or more persons or entities based on images in which the persons or entities appear. In one example, the process may include identifying an image associated with a payment request, the identified image containing at least one recipient associated with the payment request, and wherein the payment request includes a value, analyzing the identified image to identify the at least one potential recipient of the payment request, identifying contact information associated with the at least one identified recipient of the payment request, and sending the payment request to the at least one identified recipient of the payment request via a destination associated with the identified contact information.
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55.发明授权公开(公告)号：US09754491B2
公开(公告)日：2017-09-05
申请号：US14793915
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 for receiving, by one or more processors, a request to establish a first boundary around a first location. The method may also include monitoring, by the one or more processors, one or more triggering devices. The method may also include calculating, by the one or more processors, a first boundary extent delimiting the geographical area of the first boundary based on one or more boundary extent parameters. The method may also include detecting, by the one or more processors, whether at least one of the one or more triggering devices is located within the first boundary extent. The method may also include, when the at least one of the one or more triggering devices is detected within the first boundary extent, sending, by the one or more processors, a notification to a client device based on the determining.
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Patent Agency Ranking
公开(公告)号：US20170134168A1
公开(公告)日：2017-05-11
申请号：US15283861
申请日：2016-10-03
Applicant: The Toronto-Dominion Bank
Inventor： Jonathan K. Barnett , Roy D'Souza , John Jong Suk Lee , Christopher Arthur Holland McAlpine , Aleksandar Roskic , Douglas Edward William Watson , Zheng Xi , Shannon Rose Yeoman
Abstract: A message processing server includes a memory and a message processor. The message processor is configured to receive first data; save an identifier in association with a first-layer access restriction indicator and a first key, generate a first encrypted layer by encrypting the first data with the first key, and generate a token from the identifier and the first encrypted layer; receive second data and the token; recover the identifier and the first encrypted layer from the token; confirm that the identifier was saved in the memory in association with the first indicator; save the identifier in association with a second-layer access restriction indicator and a second key, generate a second encrypted layer by encrypting the first encrypted layer and the second data with the second key, and regenerate the token from the identifier and the second encrypted layer.
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公开(公告)号：US20160338072A1
公开(公告)日：2016-11-17
申请号：US15152286
申请日：2016-05-11
Applicant: The Toronto-Dominion Bank
Inventor： Evan Cohen , Kevin Mari , Matthew Hamilton , Jonathan K. Barnett , Paul Mon-Wah Chan , John Jong-Suk Lee
CPC classification number: H04L43/0876 , H04L12/283 , H04L41/0896 , H04L47/70 , H04L67/10 , H04M15/88 , H04W4/70 , H04W24/08
Abstract: The present disclosure involves systems and computer implemented methods for implementing a resource allocation and adjusting resource usage and spending based on information received from a plurality of network-connected devices. One example method includes identifying a new connected device replacing an existing device associated with a resource allocation, the resource allocation defining an expected resource usage for a plurality of devices (including the existing device), obtaining historical resource usage information associated with the existing device, identifying the existing device's operational parameters, and determining an expected resource usage for the new connected device after replacement. A change in the expected resource usage in the resource allocation is calculated based on the obtained historical resource usage information associated with the existing device and the expected resource usage amount for the new connected device. The master resource allocation is then updated based on the calculated change.
Abstract translation: 本公开涉及用于实现资源分配的系统和计算机实现的方法，并且基于从多个网络连接的设备接收的信息来调整资源使用和支出。 一个示例性方法包括识别替换与资源分配相关联的现有设备的新连接设备，所述资源分配定义多个设备（包括现有设备）的预期资源使用，获得与现有设备相关联的历史资源使用信息， 识别现有设备的操作参数，以及在更换后确定新连接设备的预期资源使用情况。 基于获得的与现有设备相关联的历史资源使用信息和新连接设备的预期资源使用量，计算资源分配中预期资源使用量的变化。 然后根据计算的更改更新主资源分配。
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公开(公告)号：US11842417B2
公开(公告)日：2023-12-12
申请号：US17813497
申请日：2022-07-19
Applicant: The Toronto-Dominion Bank
Inventor： Patrick Gibbon , James Zachary Pryor , Jonathan K. Barnett , Roy D'Souza , William Stewart James Law , Christopher Arthur Holland McAlpine , Ethan Christopher McAlpine , Maria Verna , Patrick Robert Goralski , Cathleen Ruth Carrel , Rohan Anand , Christy Ann Dyba , Dheeraj Jagtiani , Ali Hafezi , Ashkan Alavi-Harati
IPC: G06Q50/16 , H04L51/04 , G06F16/27 , G06F3/0484
CPC classification number: G06Q50/16 , G06F16/27 , H04L51/04 , G06F3/0484
Abstract: A system and method are provided for searching and monitoring assets available for acquisition. The method includes receiving a first signal including data associated with an acquiring entity, receiving a second signal including search data generated by the acquiring entity when interacting with at least one electronic listing service comprising searchable data associated with a plurality of assets available for acquisition, storing user profile data for the acquiring entity, the user profile data comprising at least a portion of the data associated with the acquiring entity, and at least a portion of the search data. The method also includes using the user profile data to search or monitor assets listed in the at least one electronic listing service to generate a result list of matched assets and sending a third signal including an electronic notification related to the result list, to a device associated with the acquiring entity.
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公开(公告)号：US20220383865A1
公开(公告)日：2022-12-01
申请号：US17303345
申请日：2021-05-27
Applicant: The Toronto-Dominion Bank
Inventor： Bridget McDermid , Brian Bellwood , Natalie Thien Huong Cornwall , Jeffery David True , Ryan Wall , Stella Pui Kwan Chan , Venetia D'Souza , Christopher Michael Arthur Caravan , Pranavan Premathas , Sahifa Habib Qazi , Mah Noor Siddiqui , Joe Moghaizel , Jonathan K. Barnett
Abstract: A system and method are provided for analyzing and reacting to interactions between entities using electronic communication channels. The method includes receiving, via the communications module, data captured from a conversational exchange between a first entity communicating with a second entity using an electronic communication channel. The method also includes analyzing the captured data to detect an indication that the first entity is or was distracted during the conversational exchange, is or was disinterested in a portion of the conversational exchange or missed the portion of the conversational exchange. The method also includes determining based on the indication an action to address the distraction during, disinterest in, or missing of, the portion of the conversational exchange; and providing, via the communications module, an automated message to at least one of the first entity and the second entity for executing the action.
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公开(公告)号：US11481778B2
公开(公告)日：2022-10-25
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
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.
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