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71.发明授权公开(公告)号：US09754492B2
公开(公告)日：2017-09-05
申请号：US14794038
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 that monitors positional sensor data received from one or more triggering devices. The method may calculate a first boundary extent delimiting the geographical area of the first boundary based on one or more boundary extent parameters. The method may also detect an occurrence of a triggering condition that impacts a movement of at least one of a client device or at least one of the triggering devices within a geographic region that includes the first location. In response to the detected triggering event, at least one of modified start time or a second location may be established for the event, which may be provided to the client and triggering devices in a notification.
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Patent Agency Ranking
公开(公告)号：US20170124642A1
公开(公告)日：2017-05-04
申请号：US15285539
申请日：2016-10-05
Applicant: The Toronto-Dominion Bank
Inventor： Jonathan K. Barnett , Paul Mon-Wah CHAN , Roisin Lara FRITZ , John Jong Suk LEE , Michael GROUIOS , Joe MOGHAIZEL
CPC classification number: G06Q40/02 , G06Q30/0269 , G06Q30/0631
Abstract: The disclosed embodiments include methods and systems for providing context-based event determination and/or context-based event triggered financial product offerings. Scenario modeling data is maintained for a plurality of personal event scenarios. Personal event data representing a personal spike for a user of a client device is received from one or more computer systems over a network where the personal spike comprises an instance of personal event data that deviates from a baseline of personal event data determined for the user. Contextual data related to the personal event data is collected from one or more computers. Using the scenario modeling data, contextual data and the personal event data identifying the at least one personal spike, likely personal event scenarios consistent with the contextual data are identified. Methods and systems to establish a personal baseline from instances of personal event data are also described.
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公开(公告)号：US20170124546A1
公开(公告)日：2017-05-04
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
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.
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公开(公告)号：US20170061351A1
公开(公告)日：2017-03-02
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
CPC classification number: G06Q40/02 , G06F11/008 , G06F11/0736 , G06F11/0748 , G06F11/0793 , G06Q10/06315 , G06Q10/20 , G06Q40/025 , Y02P90/86
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：US20170060659A1
公开(公告)日：2017-03-02
申请号：US15251696
申请日：2016-08-30
Applicant: The Toronto-Dominion Bank
Inventor： John Jong-Suk Lee , Paul Mon-Wah Chan , Jonathan K. Barnett , Roisin Fritz , Michael Grouios , Joe Moghaizel
CPC classification number: G06Q40/02 , G06F11/008 , G06F11/0736 , G06F11/0748 , G06F11/0793 , G06Q10/06315 , G06Q10/20 , G06Q40/025 , Y02P90/86
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.
Abstract translation: 本公开涉及用于对由至少一个连接的设备监控的设备执行故障分析的系统和计算机实现的方法，其中响应于即将发生的故障的确定，确定至少一个纠正措施并向用户提出建议 监控设备。 在一个示例中，操作包括使用至少一个连接的设备监视至少一个被监视设备的操作，基于所监视的操作来确定至少一个被监视设备的预计寿命，以及如果所监视的设备的预计寿命 小于阈值量，确定要执行的纠正措施。 可以基于纠正措施生成提案以进行呈现。 该提案可以基于确定的纠正措施的估计成本和对帐户的分析。
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公开(公告)号：US20160125413A1
公开(公告)日：2016-05-05
申请号：US14926549
申请日：2015-10-29
Applicant: The Toronto-Dominion Bank
Inventor： Jenny Lin , Paul Mon-Wah Chan , Jonathan K. Barnett , Orin DelVecchio
IPC: G06Q20/40
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.
Abstract translation: 本公开涉及用于基于人或实体出现的图像向一个或多个人或实体发送支付请求的系统，软件和计算机实现的方法。 在一个示例中，该过程可以包括识别与支付请求相关联的图像，所识别的图像包含与支付请求相关联的至少一个接收者，并且其中支付请求包括值，分析识别的图像以识别至少一个 支付请求的潜在接收者，识别与所述至少一个已识别的支付请求的接收者相关联的联系人信息，以及经由与所识别的联系人信息相关联的目的地将所述支付请求发送到所述支付请求的至少一个识别的接收者。
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