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：US10671996B2

公开(公告)日：2020-06-02

申请号：US14796450

申请日：2015-07-10

Applicant: The Toronto-Dominion Bank

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

IPC: G06Q20/34 ,  G06Q20/38

Abstract: The disclosed embodiments include methods and systems for validating, funding, activating, and reloading one or more configurable multicards. The disclosed embodiments may include a method that may include obtaining user authentication information relating to a first user associated with an inactivated multicard that is configurable for use for purchases and is configured with a zero multicard account balance amount. The method may include obtaining multicard configuration information including a unique multicard identification information that identifies the inactivated multicard and a first multicard account balance amount for the inactivated multicard. The method may also include validating the inactivated multicard using the unique multicard identification information and associating the inactivated multicard with a multicard account having the first multicard account balance that is funded from a financial account associated with the first user.

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：US10402793B2

公开(公告)日：2019-09-03

申请号：US14931414

申请日：2015-11-03

Applicant: The Toronto-Dominion Bank

Inventor： Perry Haldenby ,  Rajan Mahadevan ,  John Jong Suk Lee ,  Paul Mon-Wah Chan ,  Orin Del Vecchio

IPC: G06Q20/06 ,  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 ,  G06F21/64 ,  H04N5/913 ,  G06Q20/36 ,  G06Q20/38

Abstract: The disclosed embodiments include computerized systems and methods for generating secured block-chain-based ledger data structures that track subdivide ownership and usage of one or more assets, such as Internet-connected devices. In one instance, an apparatus associated with a rules authority of the secured block-chain-based ledger may detect an occurrence of a triggering event related to at least one of partial ownership interests in the assets, and may access and decrypt a set of rules hashed into the secured block-chain-based 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, including a generation of additional data blocks reflecting a change in at least one of the partial ownership interests, and additionally or alternatively, processes that adaptively monitor a compliance of one or more partial owners with an Imposed usage restriction.

公开(公告)号：US10346916B2

公开(公告)日：2019-07-09

申请号：US15228705

申请日：2016-08-04

Applicant: The Toronto-Dominion Bank

Inventor： Bruno Sandre ,  Matthew Hamilton ,  Jonathan K. Barnett ,  Paul Mon-Wah Chan ,  John Jong Suk Lee ,  Orin Del Vecchio

IPC: G06Q30/00 ,  G06Q40/04 ,  H04L12/58 ,  G06Q40/06 ,  H04L29/06 ,  H04L29/08 ,  G06Q50/00 ,  H04L12/24

Abstract: The disclosed embodiments include computerized methods and systems that facilitate automate trade-order entry and execution based on social media messaging. In one embodiment, an apparatus may receive, from a social-networking service, social media data that includes various social media messages associated with social-networking accounts of various users. The apparatus may detect an occurrence of a predetermined element of content within a first social media message associated with a social networking account of a first user, and may extract data identifying at least one parameter of an action from the first social media message. The apparatus may generate proposed transaction parameters that include the at least one extracted action parameter, and in response to a confirmation of the proposed transaction parameters, the apparatus may generate one or more electronic commands to initiate a performance of the action in accordance with the confirmed transaction parameters.

公开(公告)号：US10192263B2

公开(公告)日：2019-01-29

申请号：US14802973

申请日：2015-07-17

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.

公开(公告)号：US20170364895A1

公开(公告)日：2017-12-21

申请号：US15695628

申请日：2017-09-05

Applicant: The Toronto-Dominion Bank

Inventor： Lauren Van Heerden ,  Prabaharan Sivashanmugam ,  Dino D'Agostino ,  Michael D. Cummins ,  Orin Del Vecchio ,  Gunalan Nadarajah ,  Steven Robert Langham

IPC: G06Q20/22 ,  G06Q20/10 ,  G06Q20/38

CPC classification number: G06Q20/223 ,  G06Q20/10 ,  G06Q20/3829 ,  G06Q20/383

Abstract: A payment processing method involves a server receiving a payee identifier, and linking the payee identifier to a device identifier identifying a payee device. The server receives from a payor device a payment initiation request identifying a specified payment amount and a payor identifier, links a unique token to the specified payment amount and to the payor identifier, and provides the payor device with the token. The token excludes the payor identifier and particulars of the associated payor. The server receives a payment completion request including the payee identifier and the token, and excluding the payment amount, the payor identifier and payor particulars. The server uses the payee identifier to confirm that the payment completion request was signed with the device identifier, uses the payee identifier to locate a payee account, and uses the token to determine the specified payment amount and a payor account associated with the payor identifier.

公开(公告)号：US09652798B2

公开(公告)日：2017-05-16

申请号：US14510920

申请日：2014-10-09

Applicant: The Toronto-Dominion Bank

Inventor： Michael E. Globe ,  Mazin Al-Samadi ,  Lauren Van Heerden ,  Gunalan Nadarajah ,  Orin Del Vecchio ,  Michael D. Cummins ,  Prabaharan Sivashanmugam

IPC: G06Q30/06 ,  G06Q30/02 ,  G06Q40/06

CPC classification number: G06Q30/0631 ,  G06Q30/0226 ,  G06Q40/06

Abstract: The disclosed embodiments include, for example, systems and methods for providing recommendations of one or more alternative products to a user based on investment portfolio data. In one aspect, the disclosed embodiments may include a system that is configured to obtain information associated with one or more products of interest to the user. In certain aspects, the obtained information may identify a product previously purchased by the user, one or more products that form a shopping list of the user, and/or a product identified by the user as a potential purchase. The system may be configured to identify one or more alternative products that are similar to the products of interest and that are related to one or more securities associated with an investment portfolio of the user. In one aspect, the system may be configured to generate one or more instructions to transmit information identifying the one or more alternatives product to a device of the user.

公开(公告)号：US20170076408A1

公开(公告)日：2017-03-16

申请号：US15265270

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 ,  Orin Del Vecchio

IPC: G06Q50/16 ,  G06Q10/00

CPC classification number: G06Q40/00 ,  G06Q10/109 ,  G06Q10/20 ,  G06Q20/10 ,  G06Q50/08 ,  G06Q50/163

Abstract: The present disclosure involves systems and computer implemented methods for performing a connected device-based property evaluation. In one example, operations include identifying a property associated with an initial price and collecting information about the property by receiving information from one or more connected devices associated with the property. The one or more connected devices can each have a sensor for monitoring a condition within the property, and can providing information about the condition to the connected device, where the information is associated with a current status of the identified property. At least one action to be performed at the property based on the collected information is determined, with each action corresponding to an element at the property. An aggregate set of cost information associated with each determined action is determined and combined with the initial price to determine a modified purchase price. The modified price is then presented.

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，操作包括识别与初始价格相关联的属性，并且通过从与该属性相关联的一个或多个连接的设备接收信息来收集关于该属性的信息。 一个或多个连接的设备可以各自具有用于监视属性内的状况的传感器，并且可以向所连接的设备提供关于条件的信息，其中信息与所识别的属性的当前状态相关联。 确定基于收集的信息在属性上执行的至少一个动作，每个动作对应于该属性的元素。 确定与每个确定的动作相关联的一组总成本信息，并将其与初始价格组合以确定修改的购买价格。 然后提出修改后的价格。