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：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：US20150100495A1

公开(公告)日：2015-04-09

申请号：US14510969

申请日：2014-10-09

Applicant: The Toronto-Dominion Bank

Inventor： Hisham I. SALAMA ,  Lauren VAN HEERDEN ,  Orin DEL VECCHIO ,  Paul M. CHAN ,  Jonathan K. BARNETT ,  Jakub DANIELAK

IPC: G06Q20/38 ,  G06Q20/40

CPC classification number: G06Q20/405 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q20/38215 ,  G06Q20/3827 ,  G06Q20/3829

Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.

Abstract translation: 所公开的实施例包括用于提供标记的交易账户的方法和系统。 在一个实施例中，提供了一种计算机实现的方法，其可以包括由一个或多个处理器从与第一用户相关联的第一交易账户生成第一标记化交易账户。 该方法还可以包括将第一标记化交易账户提供给与第一用户相关联的客户端设备以存储在客户端设备中并在交易中使用。 该方法还可以包括基于一个或多个条件来更新第一标记化交易账户，并将更新的第一标记化交易账户提供给客户端设备，以便在随后的交易中进行存储和使用。

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：US20160014564A1

公开(公告)日：2016-01-14

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

IPC: H04W4/02 ,  G06Q10/10

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.

Abstract translation: 所公开的实施例包括用于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相关的通知的方法和系统。 所公开的实施例包括例如监视从一个或多个触发装置接收的位置传感器数据的方法。 该方法可以基于一个或多个边界范围参数来计算限定第一边界的地理区域的第一边界范围。 该方法还可以检测触发条件的发生，其触发包括第一位置的地理区域内的客户端设备或至少一个触发设备的至少一个的移动。 响应于检测到的触发事件，可以为事件建立修改的启动时间或第二位置中的至少一个，其可以提供给客户端并且触发通知中的设备。