公开(公告)号：US11954690B2

公开(公告)日：2024-04-09

申请号：US16251470

申请日：2019-01-18

Applicant: The Toronto-Dominion Bank

Inventor： Hisham I. Salama ,  Lauren Van Heerden ,  Orin Del Vecchio ,  Paul Mon-Wah Chan ,  Jonathan K. Barnett ,  Jakub Danielak

IPC: G06Q20/38 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/34 ,  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.

公开(公告)号：US11348194B2

公开(公告)日：2022-05-31

申请号：US16275087

申请日：2019-02-13

Applicant: The Toronto-Dominion Bank

Inventor： Patrick Gibbon ,  James Zachary Pryor ,  Jonathan K. Barnett ,  Roy D'souza ,  William Stewart James Law ,  Christopher Arthur Holland McAlpine ,  Ethan Christopher McAlpine ,  Maria Verna ,  Patrick Robert Goralski ,  Cathleen Ruth Carrel ,  Rohan Anand ,  Christy Ann Dyba ,  Dheeraj Jagtiani ,  Ali Hafezi ,  Ashkan Alavi-Harati

IPC: G06Q30/06 ,  G06Q50/16

Abstract: A method and system are provided for interfacing entities engaged in property exchange activities. The method includes receiving a first signal including a request to engage in a property exchange activity by an acquiring entity, accessing first profile data for the acquiring entity, accessing second profile data for each of a plurality of advisor entities related to the property exchange activity, using the first profile data and the second profile data to generate at least one proposed match between a corresponding one or more of the plurality of advisor entities and the acquiring entity, sending a second signal including a recommendation, enabling the acquiring entity to respond to the recommendation and engage with advisor entities, providing a first advisor connection between the acquiring entity and the first advisor entity, and enabling at least one interaction in at least one advisor activity between the acquiring entity and the first advisor entity.

公开(公告)号：US11120439B2

公开(公告)日：2021-09-14

申请号：US16725361

申请日：2019-12-23

Applicant: The Toronto-Dominion Bank

Inventor： Jonathan K. Barnett ,  Roy D'Souza ,  John Jong Suk Lee ,  Christopher Arthur Holland McAlpine ,  Aleksandar Roskic ,  Douglas Edward William Watson ,  Zheng Xi ,  Shannon Rose Yeoman

IPC: H04L29/06 ,  H04L9/32 ,  H04L9/08 ,  G06Q20/38 ,  G06Q20/28 ,  G06Q20/40 ,  H04L9/14 ,  H04L9/30

Abstract: A server includes a memory and a message processor. The memory stores a data record that includes a credential stored in association with an access restriction indicator, and further includes a cryptographic key. The processor is configured to receive from a network device an access request that includes the credential and a token. The token includes a first data layer and a second data layer that incorporates the first data layer and is encrypted with the cryptographic key. The processor is configured to determine that, prior to the access request, the credential was stored in the data record in association with the access restriction indicator; recover the first data layer from the token by (i) locating the cryptographic key in the data record, and (ii) decrypting the second encrypted data layer with the cryptographic key. The processor is configured to provide the network device with the first data layer.

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：US10685397B2

公开(公告)日：2020-06-16

申请号：US16412214

申请日：2019-05-14

Applicant: The Toronto-Dominion Bank

Inventor： John Jong-Suk Lee ,  Paul Mon-Wah Chan ,  Jonathan K. Barnett ,  Roisin Lara Fritz ,  Michael Grouios ,  Joe Moghaizel

IPC: G06F11/30 ,  G06Q40/02 ,  G06F11/07 ,  G06Q10/06 ,  G06Q10/00 ,  G06F11/00 ,  G06F11/34

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.

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：US10552831B2

公开(公告)日：2020-02-04

申请号：US15283861

申请日：2016-10-03

Applicant: The Toronto-Dominion Bank

Inventor： Jonathan K. Barnett ,  Roy D'Souza ,  John Jong Suk Lee ,  Christopher Arthur Holland McAlpine ,  Aleksandar Roskic ,  Douglas Edward William Watson ,  Zheng Xi ,  Shannon Rose Yeoman

IPC: H04L9/32 ,  G06Q20/38 ,  G06Q20/40 ,  H04L9/14 ,  H04L9/30 ,  H04L9/08

Abstract: A message processing server includes a memory and a message processor. The message processor is configured to receive first data; save an identifier in association with a first-layer access restriction indicator and a first key, generate a first encrypted layer by encrypting the first data with the first key, and generate a token from the identifier and the first encrypted layer; receive second data and the token; recover the identifier and the first encrypted layer from the token; confirm that the identifier was saved in the memory in association with the first indicator; save the identifier in association with a second-layer access restriction indicator and a second key, generate a second encrypted layer by encrypting the first encrypted layer and the second data with the second key, and regenerate the token from the identifier and the second encrypted layer.

公开(公告)号：US10540641B2

公开(公告)日：2020-01-21

申请号：US15235090

申请日：2016-08-11

Applicant: The Toronto-Dominion Bank

Inventor： Paul Mon-Wah Chan ,  Jonathan K. Barnett ,  John Jong Suk Lee

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

Abstract: A system includes devices and sensors associated with a construction site for a project. A computing apparatus, communicates with the devices and the sensors, includes a storage device and a processor. The storage device stores software instructions for controlling the processor that when executed by the processor configures the processor to obtain a predetermined construction schedule with terms for the project. The processor obtains sets of data that each corresponds to a different term. The processor generates a distributed listing for the project, which includes a sequence of a plurality of units corresponding to different terms and sets of data. The processor receives a signal from one of the sensors, wherein the signal is representative of a progress event. The processor identifies whether the progress event at the site corresponds to one of the terms in the schedule and updates and saves the distributed listing when a correspondence is identified.

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.