公开(公告)号：US10970689B2

公开(公告)日：2021-04-06

申请号：US16711532

申请日：2019-12-12

Applicant: The Toronto-Dominion Bank

Inventor： Joe Moghaizel ,  Tricia Elizabeth Allen ,  Paul Mon-Wah Chan ,  John Jong Suk Lee

IPC: G06Q40/00 ,  G06Q20/10 ,  G06Q20/24 ,  G06Q20/14 ,  G06Q20/40

Abstract: Methods and devices for controlling display of a user interface. A computing device configured to enable data exchanges in connection with accounts, including a credit account, determines whether a requested data exchange with the credit account will result in the credit account exceeding a utilization threshold. If not, a standard interface for completing the data exchange is displayed. If the data exchange will result in exceeding the threshold, then a modified interface is displayed. The modified interface enables completion of the data exchange within a minimum time period longer than the minimum time period within which the data exchange may be completed through the standard interface. Example modifications include adding an input element or field, adding delay to display or rendering of graphics, adding pop-ups, or removing pre-populated selections or values, among others.

公开(公告)号：US10896419B2

公开(公告)日：2021-01-19

申请号：US16139347

申请日：2018-09-24

Applicant: The Toronto-Dominion Bank

Inventor： Prabaharan Sivashanmugam ,  Lauren Van Heerden ,  Michael D. Cummins ,  Orin Del Vecchio ,  Gunalan Nadarajah ,  Edward Lounsbury ,  Paul Mon-Wah Chan ,  Jonathan K. Barnett ,  Ashraf Metwalli ,  Jakub Danielak

IPC: H04L29/06 ,  G06Q20/40 ,  G06Q20/20 ,  G06Q20/38

Abstract: The disclosed embodiments include methods, systems, system terminals, and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction. The method may also include providing, by the one or more processors, the validation information to the authentication network.

公开(公告)号：US10896248B2

公开(公告)日：2021-01-19

申请号：US15877458

申请日：2018-01-23

Applicant: The Toronto-Dominion Bank

Inventor： Hisham I. Salama ,  Paul Mon-Wah Chan ,  Dino D'Agostino ,  Orin Del Vecchio

IPC: G06F7/04 ,  G06F21/32 ,  H04N5/232 ,  G06K9/00 ,  G06F21/36 ,  H04N21/414 ,  H04N21/4223 ,  H04N21/44 ,  H04N21/475

Abstract: The disclosed embodiments include computerized methods and systems that facilitate two-factor authentication of a user based on a user-defined image and information identifying portions of the image sequentially selected by the user. In one aspect, a communications device presents a first digital image of a first user on a touchscreen display. The communications device may receive, from the first user, information identifying portions of the first digital image selected in accordance with a candidate authentication sequence established by the first user. The selected first image portions may, for example, be associated with corresponding facial features of the first user. The communications device may determine whether the candidate authentication sequence matches a reference authentication sequence associated with the first digital image, and may authenticate an identity of the first user, when the first selection sequence is determined to match the second selection sequence.

公开(公告)号：US10824999B2

公开(公告)日：2020-11-03

申请号：US16353509

申请日：2019-03-14

Applicant: The Toronto-Dominion Bank

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

IPC: G06F11/30 ,  G06Q20/06 ,  G06F21/64 ,  H04N5/913 ,  G06Q20/36 ,  G06Q10/06 ,  G06Q10/10 ,  G06Q50/08 ,  G06Q20/10 ,  G06Q20/40 ,  G06F21/62 ,  H04L9/08 ,  G06Q50/18 ,  H04L9/32 ,  H04L29/06 ,  G06Q10/08 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/08 ,  G06Q20/38

Abstract: The disclosed embodiments include computerized systems and methods that generate secured distributed storage ledger structures, such as block-chain-based ledger structures, that facilitate event-based control of tracked assets. In one embodiment, an apparatus associated with a centralized authority of the secured distributed storage ledger may detect an occurrence of a triggering event, and may access and decrypt a set of rules hashed into the secured distributed storage ledger using a confidentially-held master cryptographic key. The apparatus may identify a rule associated with the detected event, and perform one or more operations consistent with the rule and involving at least one of assets tracked within the secured distributed storage ledger or an owner of a portion of the tracked assets.

公开(公告)号：US20200233544A1

公开(公告)日：2020-07-23

申请号：US16839363

申请日：2020-04-03

Applicant: The Toronto-Dominion Bank

Inventor： Helene Nicole Esposito ,  Paul Mon-Wah Chan ,  John Jong Suk Lee

IPC: G06F3/0482 ,  G06F3/0488 ,  G06F3/0481 ,  G06Q40/02 ,  G06Q10/06

Abstract: The disclosed embodiments include computer-implemented devices and processes that generate, present, and manipulate data-aggregating graphical user interfaces. For example, a network-connected device may generate a first interface element representative of an obligation and may display, through a display unit, an graphical user interface that includes the first interface element and a plurality of second interface elements representative of time periods available for resolving the obligation. The network-connected device may receive, from an input unit, first input data indicative of a selection of the first interface element and second input data indicative of a movement of the selected first interface element from the first position to a second position within the interface. The network-connected device may associate the second position with a corresponding one of the second interface elements, and in response to the association, schedule the obligation for resolution during the time period represented by the corresponding second interface element.

公开(公告)号：US10713715B2

公开(公告)日：2020-07-14

申请号：US16541325

申请日：2019-08-15

Applicant: The Toronto-Dominion Bank

Inventor： Rajeev Kumar Gandhi ,  Robert Kyle Miller ,  Paul Mon-Wah Chan ,  John Jong Suk Lee ,  Rakesh Thomas Jethwa

IPC: G06F17/00 ,  G06Q40/02 ,  G06Q10/10 ,  G06F3/0484 ,  G06F3/0481 ,  G06F8/34 ,  G06F3/0486

Abstract: A computing device and method for managing an account. A computer displays a historical timeline and an event placement timeline. Past events are shown along the historical timeline, and future events along the event placement timeline. The computer suggest a change to the timing of one of the events. The user moves a movable object to the proposed timing to reschedule the event. The settings of the account are modified to automatically execute that event at the new timing.

公开(公告)号：US10692054B2

公开(公告)日：2020-06-23

申请号：US16196653

申请日：2018-11-20

Applicant: The Toronto-Dominion Bank

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

IPC: G06F21/16 ,  G06F21/64 ,  G06F21/62 ,  G06Q20/06 ,  H04N5/913 ,  G06Q20/36 ,  G06Q10/06 ,  G06Q10/10 ,  G06Q50/08 ,  G06Q20/10 ,  G06Q20/40 ,  H04L9/08 ,  G06Q50/18 ,  H04L9/32 ,  H04L29/06 ,  G06Q10/08 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/08 ,  G06Q20/38

Abstract: An apparatus for use in electronic document control includes a storage device a processor coupled to the storage device. The storage device storing software instructions for controlling the processor that when executed by the processor configure the processor to: receive a signal representing data including an original document, append a unique identifier to the original document to generate a modified document, generate a hash value of the modified document, and transmit the hash value corresponding to the modified document to an electronic distributed ledger.

公开(公告)号：US10685397B2

公开(公告)日：2020-06-16

申请号：US16412214

申请日：2019-05-14

Applicant: The Toronto-Dominion Bank

Inventor： John Jong-Suk Lee ,  Paul Mon-Wah Chan ,  Jonathan K. Barnett ,  Roisin Lara Fritz ,  Michael Grouios ,  Joe Moghaizel

IPC: G06F11/30 ,  G06Q40/02 ,  G06F11/07 ,  G06Q10/06 ,  G06Q10/00 ,  G06F11/00 ,  G06F11/34

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.

公开(公告)号：US10657509B2

公开(公告)日：2020-05-19

申请号：US15288266

申请日：2016-10-07

Applicant: The Toronto-Dominion Bank

Inventor： Kevin Ricardo Mari ,  Evan Zachary Cohen ,  Jonathan K. Barnett ,  John Jong Suk Lee ,  Paul Mon-Wah Chan ,  Orin Del Vecchio

IPC: G06Q20/20 ,  G06F16/23 ,  G06F16/21 ,  G06Q10/00

Abstract: An event monitoring processor includes a processor and at least one memory. The memory stores a cohort member database, and a database of cohort definitions. Each cohort definition defines a respective cohort. The processor is configured to receive a notification identifying a member action initiated by a member of one of the cohorts. The processor is configured to determine, from the cohort definition of the one cohort, a correlation outcome value from a correlation between the member action and an action associated with the one cohort, and to update at least one of the cohort definitions by saving in the cohort definitions database particulars of the member action in association with the at least one of the cohort definition. The processor is configured to save in the cohort member database a member database record identifying the correlation outcome value. The cohort member database is associated with the cohort member.

公开(公告)号：US10565570B2

公开(公告)日：2020-02-18

申请号：US15277540

申请日：2016-09-27

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

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.