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公开(公告)号：US20190114703A1
公开(公告)日：2019-04-18
申请号：US16212808
申请日：2018-12-07
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.
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2.发明授权公开(公告)号：US09754491B2
公开(公告)日：2017-09-05
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
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 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.
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3.发明申请SYSTEMS AND METHODS FOR PROVIDING POPULATED TRANSACTION INTERFACES BASED ON SYSTEM-GENERATED TRIGGERS 审中-公开基于系统生成的触发器提供人口交往界面的系统和方法公开(公告)号：US20150262183A1
公开(公告)日：2015-09-17
申请号：US14656541
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
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 system-generated event triggering an account transfer transaction. The system may also determine a first account associated with a first user based on the detected event, and determine a second account based on the detected 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，系统可以检测触发帐户转移交易的系统生成的事件。 系统还可以基于检测到的事件来确定与第一用户相关联的第一帐户，并且基于检测到的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。
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公开(公告)号：US20140337235A1
公开(公告)日：2014-11-13
申请号：US14273425
申请日：2014-05-08
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
CPC classification number: G06Q20/223 , G06Q20/10 , G06Q20/3829 , G06Q20/383
Abstract: A method of person-to-person anonymous electronic payment processing may involve a payment processing server receiving from a payor payment device a payment initiation request for a payment from a payor account. The payment initiation request may identify a payment amount and excludes payee particulars and the payee account. The server may also receive from a payee payment device a payment completion request requesting completion of the payment. The payment completion request may include a payee identifier and exclude the payment amount, payor account and payor particulars. The server may confirm that the payment completion request is uniquely associated with the payee payment device and the payee identifier, and determine the payment amount and the payor account by correlating the payment completion request with the payment initiation request. In accordance with an outcome of the confirming, the payment processing server may effect a transfer in the payment amount from the payor account to the payee account.
Abstract translation: 个人对个人匿名电子支付处理的方法可以涉及支付处理服务器从付款人支付设备从付款人帐户接收付款的支付发起请求。 付款发起请求可以标识支付金额并且不包括收款人资料和收款人账户。 服务器还可以从收款人支付设备接收请求完成支付的支付完成请求。 付款完成请求可以包括收款人标识符，并且不包括支付金额，支付者账户和支付者详情。 服务器可以确认支付完成请求与收款人支付设备和收款人标识符唯一相关，并且通过将支付完成请求与支付发起请求相关联来确定支付金额和支付者帐户。 根据确认的结果，支付处理服务器可以将付款金额从付款人帐户转移到收款人账户。
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公开(公告)号：US20200051082A1
公开(公告)日：2020-02-13
申请号：US16655602
申请日：2019-10-17
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
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.
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Patent Agency Ranking
公开(公告)号：US10192264B2
公开(公告)日：2019-01-29
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
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.
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7.发明授权公开(公告)号：US10176461B2
公开(公告)日：2019-01-08
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 , John Jong-Suk Lee , Sophia Dhrolia
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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8.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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公开(公告)号：US20140358786A1
公开(公告)日：2014-12-04
申请号：US14289261
申请日：2014-05-28
Applicant: The Toronto-Dominion Bank
Inventor： Lauren VAN HEERDEN , Michael D. Cummins , Prabaharan Sivashanmugam , Gunalan Nadarajah , Orin Del Vecchio
IPC: G06Q20/38
CPC classification number: G06Q20/3821 , G06Q20/351 , G06Q20/401
Abstract: The disclosed embodiments include systems and methods for issuing a virtual certified financial instrument. The disclosed embodiments may be configured to receive a financial instrument request for a virtual certified financial instrument, generate a payor token and a payee token, generate a reference token from the payor token and the payee token using an algorithm rendering it computationally infeasible for the reference token to be derived from only one of the payor token and the payee token, and uniquely associate the reference token with the virtual certified financial instrument. The disclosed embodiments may also be configured to receive, from the payor device or the payee device, a financial instrument redemption request that includes a composite token, and redeem the virtual financial instrument in accordance with a confirmation that the composite token matches the reference token.
Abstract translation: 所公开的实施例包括用于发行虚拟认证金融工具的系统和方法。 所公开的实施例可以被配置为接收对虚拟认证的金融工具的金融工具请求，生成付款人令牌和收款人令牌，从付款人令牌和收款人令牌生成参考令牌，并使用使计算上不可参考的算法的算法 令牌仅从付款人令牌和收款人令牌中的一个派生，并将参考令牌与虚拟认证的金融工具相关联。 所公开的实施例还可以被配置为从付款者设备或收款人设备接收包括复合令牌的金融工具兑换请求，并且根据复合令牌与参考令牌匹配的确认来兑换虚拟金融工具。
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公开(公告)号：US11475450B2
公开(公告)日：2022-10-18
申请号：US16655602
申请日：2019-10-17
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
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.
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