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    SYSTEMS AND METHODS FOR PROVIDING BALANCE NOTIFICATIONS TO CONNECTED DEVICES
    51.
    发明申请
    SYSTEMS AND METHODS FOR PROVIDING BALANCE NOTIFICATIONS TO CONNECTED DEVICES 审中-公开

    公开(公告)号：US20180225754A1

    公开(公告)日：2018-08-09

    申请号：US15891645

    申请日：2018-02-08

    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.

    PRODUCT-CLASS-BASED INCENTIVIZED TRANSACTION
    57.
    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。

    ADAPTIVE SOCIAL MEDIA SCORING MODEL WITH REVIEWER INFLUENCE ALIGNMENT
    58.
    发明申请
    ADAPTIVE SOCIAL MEDIA SCORING MODEL WITH REVIEWER INFLUENCE ALIGNMENT 审中-公开
    自适应社会媒体评分模型与评论者影响对齐

    公开(公告)号：US20150213521A1

    公开(公告)日：2015-07-30

    申请号：US14610018

    申请日：2015-01-30

    Applicant: The Toronto-Dominion Bank

    Inventor： Prabaharan Sivashanmugam ,  Michael D. Cummins ,  Lauren Van Heerden ,  Gunalan Nadarajah ,  Orin Del Vecchio ,  Talvis Pierre Love

    IPC: G06Q30/02

    CPC classification number: G06Q30/0282

    Abstract: Online reviews present a wealth of information for consumers to consider when making purchase decisions. Consumers however, can be disadvantaged by an inability to determine the usefulness of reviews, the wealth of information thus providing marginal utility. Where consumers can establish an affinity or trust with a reviewer, the usefulness of a review can be vetted against the perspective of the consumer, assisting consumers in making purchase decisions with greater confidence and reliability. Social media further supports consumers by providing a convenient pool of reviewers with whom a consumer may already have pre-existing relationships or familiarity with, bolstering the ability of the consumer to establish an affinity or trust with the reviewer. An adaptive influence process provides a method for consumers to adapt such a collection of reviews, and tailor them to the consumer's own perspective to assist in making purchase decisions with greater confidence.

    Abstract translation: 在线评论提供了大量信息，供消费者在做出购买决定时考虑。 然而，消费者可能由于无法确定审查的有用性而处于不利地位，所以信息的丰富因此提供了边际效用。 在消费者与审查者建立亲和力或信任度的情况下，审查的有用性可以从消费者的角度审视，协助消费者以更大的信心和可靠性做出购买决定。 社会媒体通过提供一个方便的审查者池来支持消费者，消费者可能已经与消费者已经存在先前存在的关系或熟悉，加强了消费者与审阅者建立亲和力或信任的能力。 适应性影响过程为消费者提供了一种适应这样的评论集的方法，并将其定制为消费者自己的观点，以更有信心地协助做出购买决定。

    SYSTEM AND METHOD FOR CONSUMER-MERCHANT TRANSACTION ANALYSIS
    59.
    发明申请
    SYSTEM AND METHOD FOR CONSUMER-MERCHANT TRANSACTION ANALYSIS 审中-公开
    用于消费者交易分析的系统和方法

    公开(公告)号：US20140337171A1

    公开(公告)日：2014-11-13

    申请号：US14273500

    申请日：2014-05-08

    Applicant: The Toronto-Dominion Bank

    Inventor： Prabaharan SIVASHANMUGAM ,  Lauren Van Heerden ,  Michael D. Cummins ,  Orin Del Vecchio ,  Gunalan Nadarajah

    IPC: G06Q30/06 ,  G06Q20/40

    CPC classification number: G06Q30/0609 ,  G06Q20/4016

    Abstract: A system, method and computer program product that is capable of determining respective merchant behaviour scores and consumer behaviour scores. Merchant locations (e.g. point of purchase or other geographic or virtual locations), in association with which merchants and consumers conduct transactions, can be used to enhance behaviour scoring capabilities. A merchant location may be attributed a merchant behaviour score such as one determined in accordance with consumer behaviour/financial/risk metrics of consumers who conduct transactions with the location. A specific consumer may be attributed a consumer behaviour score determined in accordance with the respective merchant behaviour scores of locations with which the specific consumer conducts transactions.

    Abstract translation: 能够确定各商家行为得分和消费者行为得分的系统，方法和计算机程序产品。 与商家和消费者进行交易相关联的商家位置（例如购买点或其他地理位置或虚拟位置）可用于增强行为评分能力。 商户位置可以归因于商人行为得分，例如根据与该位置进行交易的消费者的消费者行为/金融/风险度量确定的。 特定消费者可以归因于根据特定消费者进行交易的位置的相应商家行为得分确定的消费者行为得分。

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