公开(公告)号：US20160012729A1

公开(公告)日：2016-01-14

申请号：US14793915

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

IPC: G08G1/00

CPC classification number: G08G1/205 ,  G06Q10/109 ,  G08G1/20 ,  H04W4/022 ,  H04W4/023

Abstract: he 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 for receiving, by one or more processors, a request to establish a first boundary around a first location. The method may also include monitoring, by the one or more processors, one or more triggering devices. The method may also include calculating, by the one or more processors, a first boundary extent delimiting the geographical area of the first boundary based on one or more boundary extent parameters. The method may also include detecting, by the one or more processors, whether at least one of the one or more triggering devices is located within the first boundary extent. The method may also include, when the at least one of the one or more triggering devices is detected within the first boundary extent, sending, by the one or more processors, a notification to a client device based on the determining.

Abstract translation: 他公开的实施例包括基于由网络设备收集的监视的传感器数据提供与地理边界有关的通知的方法和系统。 所公开的实施例包括例如用于由一个或多个处理器接收建立围绕第一位置的第一边界的请求的方法。 该方法还可以包括由一个或多个处理器监视一个或多个触发装置。 该方法还可以包括由一个或多个处理器基于一个或多个边界范围参数来计算定界第一边界的地理区域的第一边界范围。 该方法还可以包括由一个或多个处理器检测一个或多个触发装置中的至少一个是否位于第一边界范围内。 该方法还可以包括当在第一边界范围内检测到一个或多个触发设备中的至少一个时，由一个或多个处理器基于该确定向客户端设备发送通知。

公开(公告)号：US20150379485A1

公开(公告)日：2015-12-31

申请号：US14755786

申请日：2015-06-30

Applicant: The Toronto-Dominion Bank

Inventor： Jakub DANIELAK ,  Lauren VAN HEERDEN ,  Gunalan NADARAJAH ,  Orin DEL VECCHIO ,  Paul Mon-Wah CHAN ,  Jonathan K. BARNETT ,  Ashraf METWALLI ,  Matthew HAMILTON ,  Clara BOR ,  Wallace BARBOUR

IPC: G06Q20/10 ,  G06Q40/06

CPC classification number: G06Q20/108 ,  G06Q40/06

Abstract: The disclosed embodiments include methods and system for detecting error events, such as account shortfalls, within networked computer systems operated by the financial institutions and other business. In one aspect, a system includes a memory storing instructions and one or more processors configured to execute the instruction to perform operating, such as receiving a payment request for a payment amount from a first account of a user to a destination account. The operations may also include determining that the first account lacks sufficient funds to cover the payment amount, and determining that the user has pre-approved credit facility secured by a first set of investment holdings of the user that generate revenue that is periodically transferred to the first account. The operations may also include performing a fund transfer operation for the payment amount from the credit line account to the first account.

Abstract translation: 所公开的实施例包括用于检测由金融机构和其他业务操作的联网计算机系统内的错误事件（例如帐户缺陷）的方法和系统。 一方面，系统包括存储指令的存储器和配置成执行操作的指令的一个或多个处理器，诸如从用户的第一帐户到目的地帐户接收支付金额的支付请求。 操作还可以包括确定第一帐户缺少足够的资金来支付支付金额，以及确定用户具有通过用户的第一组投资持有来保证的预先认可的信用额度，该第一组投资持有产生周期性地转移到 第一个帐号 操作还可以包括从信用额度帐户到第一帐户执行支付金额的资金转帐操作。

公开(公告)号：US20160028715A1

公开(公告)日：2016-01-28

申请号：US14747895

申请日：2015-06-23

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

CPC classification number: G06Q20/401 ,  G06Q20/202 ,  G06Q20/38215 ,  H04L63/083 ,  H04L63/0861

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.

Abstract translation: 所公开的实施例包括用于认证用户的方法，系统，系统终端和销售点终端。 所公开的实施例包括例如用于由一个或多个处理器接收来自认证网络的认证数据的方法，所述认证数据包括识别与认证伙伴系统相关联的认证交易的认证代码。 所述方法还可以包括通过所述一个或多个处理器验证所述认证数据，所述验证包括将所述认证数据与对应于与所述用户相关联的先前认证事件的验证数据进行比较。 所述方法还可以包括由所述一个或多个处理器基于所述验证​​生成所述验证信息，所述验证信息包括是否验证所述认证交易的用户的确定。 所述方法还可以包括由所述一个或多个处理器将所述验证信息提供给所述认证网络。

公开(公告)号：US20160019640A1

公开(公告)日：2016-01-21

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 ,  G06F17/30

CPC classification number: 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.

Abstract translation: 公开了一种用于推荐完成电子活动的物理位置的方法和系统。 在一些示例中，检测用户在第一物理位置处的电子活动的启动，确定电子活动将在与第一物理位置不同的物理位置处完成，电子活动的一个或多个部分 确定不完整，识别完成电子活动的一个或多个不完整部分的第二物理位置，并且将关于电子活动的信息提供给第二物理位置。 在一些示例中，第二物理位置的识别至少基于电子活动，用户和/或第二物理位置的特征。

公开(公告)号：US20150379644A1

公开(公告)日：2015-12-31

申请号：US14755740

申请日：2015-06-30

Applicant: The Toronto-Dominion Bank

Inventor： Jakub DANIELAK ,  Lauren VAN HEERDEN ,  Gunalan NADARAJAH ,  Orin DEL VECCHIO ,  Paul Mon-Wah CHAN ,  Jonathan K. BARNETT ,  Ashraf METWALLI ,  Matthew HAMILTON ,  Clara BOR ,  Wallace BARBOUR

IPC: G06Q40/06 ,  G06Q20/10

CPC classification number: G06Q20/108 ,  G06Q40/06

Abstract: The disclosed embodiments include computerized methods and system for detecting error events, such as account shortfalls, within networked computer systems operated by the financial institutions and other business entities. In one aspect, a system includes a memory storing instructions and one or more processors configured to execute the instruction to perform operating, such as receiving a payment request for a payment amount from a first account of a user to a destination account. The operations may also include determining that the first account lacks sufficient funds to cover the payment amount, and determining that the user has pre-approved a credit line account secured by a first set of investment holdings of the user that generate revenue that is periodically transferred to the first account. The operations may also include performing a fund transfer operation for the payment amount from the credit line account to the first account.

Abstract translation: 所公开的实施例包括用于检测由金融机构和其他业务实体操作的联网计算机系统内的错误事件（例如帐户缺陷）的计算机化方法和系统。 一方面，系统包括存储指令的存储器和配置成执行操作的指令的一个或多个处理器，诸如从用户的第一帐户到目的地帐户接收支付金额的支付请求。 操作还可以包括确定第一帐户缺少足够的资金来支付支付金额，以及确定用户已经预先批准了通过用户的第一组投资持有来保证的信用额度帐户，该账户产生周期性转移的收入 到第一个帐户。 操作还可以包括从信用额度帐户到第一帐户执行支付金额的资金转帐操作。

公开(公告)号：US20150262181A1

公开(公告)日：2015-09-17

申请号：US14656519

申请日：2015-03-12

Applicant: The Toronto-Dominion Bank

Inventor： Steve GERVAIS ,  Eric KAISER ,  Peter HORVATH ,  Andrew CHAK ,  Christianne MORETTI ,  Lauren VAN HEERDEN ,  Orin DEL VECCHIO ,  Gunalan NADARAJAH ,  Tommy PHUNG

IPC: G06Q20/40 ,  G06Q20/10

CPC classification number: G06Q20/405 ,  G06Q20/10

Abstract: The disclosed embodiments include methods and systems that automatically populate interfaces facilitating electronic transactions. In one embodiment, a system may detect an action of a first user that triggers an account transfer transaction. The system may also determine a first account associated with the first user based on the detected action, and determine a second account based on the detected action and a set of rules associated with the first user. The system may generate, based on the detected event and the set of rules, first information used to provide prefilled content identifying the first account as a source account and the determined second account as a destination account. The system may also generate, in response to an authorization, second information used to provide second content including a notification that a transfer of funds from the first account to the second account has occurred.

Abstract translation: 所公开的实施例包括自动填充促进电子交易的界面的方法和系统。 在一个实施例中，系统可以检测触发帐户转移交易的第一用户的动作。 系统还可以基于检测到的动作来确定与第一用户相关联的第一帐户，并且基于检测到的动作和与第一用户相关联的一组规则来确定第二帐户。 系统可以基于检测到的事件和规则集合生成用于提供预先识别第一帐户作为源帐户的预填充内容的第一信息，以及确定的第二帐户作为目的地帐户。 系统还可以响应于授权而生成用于提供第二内容的第二信息，所述第二内容包括发生从第一帐户到第二帐户的资金转移的通知。

公开(公告)号：US20170372616A1

公开(公告)日：2017-12-28

申请号：US15672520

申请日：2017-08-09

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

IPC: G08G1/00 ,  G06Q10/10 ,  H04W4/02

CPC classification number: G06Q10/109 ,  G08G1/20 ,  G08G1/205 ,  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.

公开(公告)号：US20160027009A1

公开(公告)日：2016-01-28

申请号：US14747868

申请日：2015-06-23

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: G06Q20/40 ,  G06Q20/38 ,  G06Q20/20

CPC classification number: G06Q20/401 ,  G06Q20/202 ,  G06Q20/38215 ,  H04L63/083 ,  H04L63/0861

Abstract: The disclosed embodiments include methods 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.

Abstract translation: 所公开的实施例包括用于认证用户的方法和销售点终端。 所公开的实施例包括例如用于由一个或多个处理器接收来自认证网络的认证数据的方法，所述认证数据包括识别与认证伙伴系统相关联的认证交易的认证代码。 所述方法还可以包括通过所述一个或多个处理器验证所述认证数据，所述验证包括将所述认证数据与对应于与所述用户相关联的先前认证事件的验证数据进行比较。 所述方法还可以包括由所述一个或多个处理器基于所述验证​​生成所述验证信息，所述验证信息包括是否验证所述认证交易的用户的确定。 所述方法还可以包括由所述一个或多个处理器将所述验证信息提供给所述认证网络。

公开(公告)号：US20160019641A1

公开(公告)日：2016-01-21

申请号：US14802975

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 ,  G06F17/30

CPC classification number: 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 at least in part because completion of the electronic activity requires the user and one or more other parties 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 one or more other parties.

Abstract translation: 公开了一种用于推荐完成电子活动的物理位置的方法和系统。 在一些示例中，检测到用户在第一物理位置处的电子活动的启动，电子活动将在与第一物理位置不同的物理位置处完成，至少部分是因为电子活动的完成需要 确定用户和一个或多个其他方，确定电子活动的一个或多个部分不完整，识别完成电子活动的一个或多个不完整部分的第二物理位置，以及关于电子活动的信息 活动提供给一个或多个其他方。

公开(公告)号：US20150262182A1

公开(公告)日：2015-09-17

申请号：US14656528

申请日：2015-03-12

Applicant: The Toronto-Dominion Bank

Inventor： Steve GERVAIS ,  Eric KAISER ,  Peter HORVATH ,  Andrew CHAK ,  Christianne MORETTI ,  Lauren VAN HEERDEN ,  Orin DEL VECCHIO ,  Gunalan NADARAJAH ,  Tommy PHUNG

IPC: G06Q20/40 ,  G06Q20/10

CPC classification number: G06Q20/405 ,  G06Q20/10

Abstract: The disclosed embodiments include methods and systems that automatically populate interfaces facilitating electronic transactions. In one embodiment, a system may identify a contextual event triggering an account transfer transaction. The system may also determine a first account associated with a first user based on the contextual event, and determine a second account based on the contextual event and a set of rules associated with the first user. The system may generate, based on the detected event and the set of rules, first information used to provide prefilled content identifying the first account as a source account and the determined second account as a destination account. The system may also generate, in response to an authorization, second information used to provide second content including a notification that a transfer of funds from the first account to the second account has occurred.

Abstract translation: 所公开的实施例包括自动填充促进电子交易的界面的方法和系统。 在一个实施例中，系统可以标识触发帐户转移交易的上下文事件。 系统还可以基于上下文事件确定与第一用户相关联的第一帐户，并且基于上下文事件和与第一用户相关联的一组规则来确定第二帐户。 系统可以基于检测到的事件和规则集合生成用于提供预先识别第一帐户作为源帐户的预填充内容的第一信息，以及确定的第二帐户作为目的地帐户。 系统还可以响应于授权而生成用于提供第二内容的第二信息，所述第二内容包括发生从第一帐户到第二帐户的资金转移的通知。