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    Connected Device-Based Property Evaluation
    51.
    发明申请
    Connected Device-Based Property Evaluation 审中-公开
    连接的基于设备的属性评估

    公开(公告)号：US20170076365A1

    公开(公告)日：2017-03-16

    申请号：US15265318

    申请日：2016-09-14

    Applicant: The Toronto-Dominion Bank

    Inventor： Roy D'Souza ,  Roisin Lara Fritz ,  Jonathan K. Barnett ,  Paul Mon-Wah Chan ,  John Jong-Suk Lee

    IPC: G06Q40/00 ,  G06Q20/10 ,  G06Q50/08 ,  G06Q10/10

    Abstract: The present disclosure involves systems and computer implemented methods for performing a connected device-based property evaluation. In one example, system operations include identifying a construction schedule associated with a particular property, the construction schedule including at least one construction event for the property. A disbursement schedule associated with the construction schedule and the property are identified, wherein the disbursement schedule defines construction events that trigger at least a partial disbursement of funds associated with the construction. Connected devices associated with the property are associated to one or more of the construction events, and a set of data characteristics associated with the one or more connected devices are defined that correspond to particular construction events. Outputs from the connected devices are then monitored during construction, and, in response to a determination that the monitored outputs match the defined data characteristics corresponding to particular construction events, a corresponding fund disbursement is initiated.

    Abstract translation: 本公开涉及用于执行基于连接的基于设备的属性评估的系统和计算机实现的方法。 在一个示例中，系统操作包括识别与特定属性相关联的施工进度，施工进度包括用于该属性的至少一个施工事件。 确定与施工进度表和财产相关联的支付计划，其中支付计划定义了触发至少部分支付与建设相关的资金的建筑事件。 与属性相关联的连接的设备与一个或多个构造事件相关联，并且与一个或多个连接的设备相关联的一组数据特征被定义为对应于特定的构造事件。 然后在施工过程中对所连接设备的输出进行监控，并且响应于确定所监视的输出与对应于特定建筑事件的定义的数据特性相匹配，启动相应的资金支付。

    PRODUCT-CLASS-BASED INCENTIVIZED TRANSACTION
    54.
    发明申请
    PRODUCT-CLASS-BASED INCENTIVIZED TRANSACTION 审中-公开
    基于产品级的激励交易

    公开(公告)号：US20160012469A1

    公开(公告)日：2016-01-14

    申请号：US14796746

    申请日：2015-07-10

    Applicant: THE TORONTO-DOMINION BANK

    Inventor： Lauren van Heerden ,  Orin Del Vecchio ,  Gunalan Nadarajah ,  Paul Mon-Wah Chan ,  Steve Robert Langham ,  Jonathan K. Barnett ,  Jakub Danielak ,  Roisin Fritz ,  John Jong Suk Lee ,  Rob Miller ,  Ashraf Metwalli

    IPC: G06Q30/02 ,  G06Q20/10

    CPC classification number: G06Q30/0226 ,  G06Q20/387

    Abstract: A method of effecting an incentive transaction involves a computer server receiving a transaction notification message that identifies a financial transaction. The server is in communication with a database of incentive plans, each comprising a plan definition that defines an incentive transaction to be transacted with an incentive account. Each plan is associated with plan participants by participant identifiers. Each participant identifier is uniquely associated with their plan participant. The incentive account is jointly associated with the plurality of plan participants. The notification message includes a product code and the participant identifier of one plan participant. The server identifies an incentive plan applicable to the financial transaction from a correlation with the participant identifier, determines an incentive amount from the product code and the incentive plan definition of the applicable incentive plan, and initiates the incentive transaction for the incentive amount with the incentive account of the applicable incentive plan.

    Abstract translation: 实施激励交易的方法涉及计算机服务器接收识别金融交易的交易通知消息。 服务器与激励计划数据库进行通信，每个激励计划都包含一个计划定义，该计划定义定义了与激励账户交易的激励交易。 每个计划都由参与者标识符与计划参与者相关联。 每个参与者标识符与其计划参与者唯一相关联。 激励账户与多个计划参与者共同关联。 通知消息包括产品代码和一个计划参与者的参与者标识符。 服务器根据与参与者标识符的相关性，确定适用于金融交易的激励计划，确定产品代码的激励金额和适用激励计划的激励计划定义，并激励激励金额激励交易 说明适用的激励计划。

    Processing network architecture with companion database
    58.
    发明授权
    Processing network architecture with companion database 有权

    公开(公告)号：US11188885B2

    公开(公告)日：2021-11-30

    申请号：US16740693

    申请日：2020-01-13

    Applicant: The Toronto-Dominion Bank

    Inventor： Paul Mon-Wah Chan ,  Perry Aaron Jones Haldenby ,  John Jong Suk Lee

    IPC: G06Q20/06 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/06 ,  G06Q20/02

    Abstract: A system comprises a non-transitory machine readable storage medium storing instructions and a database identifying a plurality of assets and a state of each asset. The instructions configure a processor for receiving updates to a distributed electronic ledger managed by plural peer processors. Each update includes an event or change affecting one of the assets. The peer processors verify portions of the ledger describing each event or change. At least one of the updates has not yet been recorded in the ledger at a time of the receiving. The processor computes a state of each asset, based on the updates, receives a request for a state of one of the assets; and responds to the request, reflecting each event and change affecting that asset. The response is performed without waiting for the peer processors to verify an update that has not yet been recorded in the ledger.

    Systems and methods for generating and administering mobile applications using pre-loaded tokens
    59.
    发明授权
    Systems and methods for generating and administering mobile applications using pre-loaded tokens 有权

    公开(公告)号：US11138591B2

    公开(公告)日：2021-10-05

    申请号：US16682467

    申请日：2019-11-13

    Applicant: The Toronto-Dominion Bank

    Inventor： Hisham I. Salama ,  Edward Lounsbury ,  Paul Mon-Wah Chan

    IPC: G06Q20/32 ,  G06Q20/36 ,  G06Q20/38

    Abstract: The disclosed embodiments include computerized methods and systems that provide mobile application programs to devices of users and that administer these mobile application programs using tokens “pre-loaded” with data. In one aspect, the disclosed embodiments may generate a mobile payment product, such as a mobile wallet, that is “pre-loaded” with eligible financial products. For example, the disclosed embodiments may receive a request from a user device to obtain an application program that administers the mobile wallet, and in response to the received request, may obtain information identifying one or more financial products eligible for inclusion in the mobile wallet. The disclosed embodiments may generate a mobile wallet token based on the eligible financial product information and store the mobile wallet token in cloud-based storage. The user device may, upon authenticating the user, obtain the mobile wallet token and provision the mobile wallet with the eligible financial products.

    Systems and methods for managing data transfers over a network
    60.
    发明授权
    Systems and methods for managing data transfers over a network 有权

    公开(公告)号：US11068471B2

    公开(公告)日：2021-07-20

    申请号：US16289707

    申请日：2019-03-01

    Applicant: The Toronto-Dominion Bank

    Inventor： Helene Esposito ,  Paul Mon-Wah Chan ,  John Jong Suk Lee ,  Rakesh Thomas Jethwa

    IPC: G06F16/23

    Abstract: A method for managing transfer of data over a network to a recipient system is disclosed. The method is implemented at a database management system that stores a schedule of data transfers associated with records in a database. The method includes: receiving a signal representing an electronic message from a third party system, the electronic message including details of a first scheduled data transfer to a first record in the database at a first transfer time; obtaining details of a second scheduled data transfer from the first record to the recipient system; determining that an effect on the first record by the first and second scheduled data transfers meets stored predefined criteria; updating the schedule of data transfers to change a second transfer time associated with the second scheduled data transfer; and initiating the second scheduled data transfer according to the updated schedule of data transfers.

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