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公开(公告)号：US20230275891A1
公开(公告)日：2023-08-31
申请号：US18143265
申请日：2023-05-04
Applicant: The Toronto-Dominion Bank
Inventor： Marina Izvekova , Jane Holtslander , Andrew David CLARK , Alan Tam , Tina Patel , Steven Anthony Ghose , Hao Zhe Shen , Michael David Mewhort , Chun Yu Zhang
IPC: H04L9/40 , H04L67/306 , H04L67/01
CPC classification number: H04L63/0838 , H04L67/306 , H04L67/01 , H04W4/14
Abstract: Methods and systems for creating a multi-applicant account profile are described. During a first remote session, a first applicant provides at least two pieces of contact data for second applicant. A unique link and a one-time password are transmitted to the second applicant using respective first and second pieces of contact data. A second remote session is initiated, in response to receipt of the one-time password, provided via the unique link. During the second remote session, identification information of the second applicant is provided. A new multi-applicant account profile is then created, after verifying the identification information of the first applicant and the second applicant.
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公开(公告)号：US11367059B2
公开(公告)日：2022-06-21
申请号：US16670427
申请日：2019-10-31
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Morgan Klein-MacNeil , Alan Tam , Trevor Ross Gimbel , Julianne Helen Fong , Sonali Suresh Nagarkar
Abstract: The present disclosure involves systems, software, and computer-implemented methods for integrating immediate credit application processes and decisions via a financial institution into ongoing transactions performed at a merchant system. One example method includes receiving a request for new credit account associated with an ongoing transaction at a second system, the request associated with a transaction payload including a session ID and a set of transaction information. A digital credit application is presented, and at least some of the set of transaction information is presented concurrently with the digital credit application. In response to approving the credit application, a new account is generated, a user is redirected back to the merchant system using the session ID, and the credit account information is securely transmitted back to the merchant. The state of the ongoing transaction is restored, and the new payment information is used to complete the transaction.
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公开(公告)号：US20210133704A1
公开(公告)日：2021-05-06
申请号：US16670427
申请日：2019-10-31
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Morgan Klein-MacNeil , Alan Tam , Trevor Ross Gimbel , Julianne Helen Fong , Sonali Suresh Nagarkar
Abstract: The present disclosure involves systems, software, and computer-implemented methods for integrating immediate credit application processes and decisions via a financial institution into ongoing transactions performed at a merchant system. One example method includes receiving a request for new credit associated with an ongoing transaction at a second system, the request associated with a transaction payload including a session ID and a set of transaction information. A digital credit application is presented, and at least some of the set of transaction information is presented concurrently with the digital credit application. In response to approving the credit application, a new account is generated, a user is redirected back to the merchant system using the session ID, and the credit account information is securely transmitted back to the merchant. The state of the ongoing transaction is restored, and the new payment information is used to complete the transaction.
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公开(公告)号：US12058124B2
公开(公告)日：2024-08-06
申请号：US18143265
申请日：2023-05-04
Applicant: The Toronto-Dominion Bank
Inventor： Marina Izvekova , Jane Holtslander , Andrew David Clark , Alan Tam , Tina Patel , Steven Anthony Ghose , Michael David Mewhort , Chun Yu Zhang
CPC classification number: H04L63/0838 , H04L67/01 , H04L67/306 , H04L51/42 , H04L51/52 , H04W4/14
Abstract: Methods and systems for creating a multi-applicant account profile are described. During a first remote session, a first applicant provides at least two pieces of contact data for second applicant. A unique link and a one-time password are transmitted to the second applicant using respective first and second pieces of contact data. A second remote session is initiated, in response to receipt of the one-time password, provided via the unique link. During the second remote session, identification information of the second applicant is provided. A new multi-applicant account profile is then created, after verifying the identification information of the first applicant and the second applicant.
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公开(公告)号：US20220164779A1
公开(公告)日：2022-05-26
申请号：US17650801
申请日：2022-02-11
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Morgan Klein-MacNeil , Alan Tam , Trevor Ross Gimbel , Julianne Helen Fong , Sonali Suresh Nagarkar
Abstract: The present disclosure involves systems, software, and computer-implemented methods for integrating immediate credit application processes and decisions via a financial institution into ongoing transactions performed at a merchant system. One example method includes receiving a request for new credit account associated with an ongoing transaction at a second system, the request associated with a transaction payload including a session ID and a set of transaction information. A digital credit application is presented, and at least some of the set of transaction information is presented concurrently with the digital credit application. In response to approving the credit application, a new account is generated, a user is redirected back to the merchant system using the session ID, and the credit account information is securely transmitted back to the merchant. The state of the ongoing transaction is restored, and the new payment information is used to complete the transaction.
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Patent Agency Ranking
公开(公告)号：US20210133866A1
公开(公告)日：2021-05-06
申请号：US16670601
申请日：2019-10-31
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Morgan Klein-MacNeil , Alan Tam , Trevor Ross Gimbel , Julianne Helen Fong
Abstract: The present disclosure involves systems, software, and computer-implemented methods for providing assisted channel credit application completion for customers, where approval of the credit application results in an automatic integration of payment credentials into a corresponding digital wallet. One example method includes receiving, via an assisted channel user terminal, a request to apply for a new credit account for a customer. Input into a digital credit application is input by an employee or teller on behalf of the customer. A credit adjudication process is performed on the application, and, in response to approval, a new credit account associated with the customer and corresponding payment information is created. A system to which the set of payment information is to be provided is identified, and the set of payment information associated with the new credit account is transmitted to those systems to be automatically integrated into those systems' digital wallets.
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公开(公告)号：US20240362709A1
公开(公告)日：2024-10-31
申请号：US18767513
申请日：2024-07-09
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Morgan Klein-MacNeil , Alan Tam , Trevor Ross Gimbel , Julianne Helen Fong
CPC classification number: G06Q40/03 , G06Q20/3672
Abstract: The present disclosure involves systems, software, and computer-implemented methods for providing assisted channel credit application completion for customers, where approval of the credit application results in an automatic integration of payment credentials into a corresponding digital wallet. One example method includes receiving, via an assisted channel user terminal, a request to apply for a new credit account for a customer. Input into a digital credit application is input by an employee or teller on behalf of the customer. A credit adjudication process is performed on the application, and, in response to approval, a new credit account associated with the customer and corresponding payment information is created. A system to which the set of payment information is to be provided is identified, and the set of payment information associated with the new credit account is transmitted to those systems to be automatically integrated into those systems' digital wallets.
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公开(公告)号：US11636453B2
公开(公告)日：2023-04-25
申请号：US17650801
申请日：2022-02-11
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Morgan Klein-MacNeil , Alan Tam , Trevor Ross Gimbel , Julianne Helen Fong , Sonali Suresh Nagarkar
Abstract: The present disclosure involves systems, software, and computer-implemented methods for integrating immediate credit application processes and decisions via a financial institution into ongoing transactions performed at a merchant system. One example method includes receiving a request for new credit account associated with an ongoing transaction at a second system, the request associated with a transaction payload including a session ID and a set of transaction information. A digital credit application is presented, and at least some of the set of transaction information is presented concurrently with the digital credit application. In response to approving the credit application, a new account is generated, a user is redirected back to the merchant system using the session ID, and the credit account information is securely transmitted back to the merchant. The state of the ongoing transaction is restored, and the new payment information is used to complete the transaction.
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公开(公告)号：US12062089B2
公开(公告)日：2024-08-13
申请号：US16670601
申请日：2019-10-31
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Morgan Klein-MacNeil , Alan Tam , Trevor Ross Gimbel , Julianne Helen Fong
CPC classification number: G06Q40/03 , G06Q20/3672
Abstract: The present disclosure involves systems, software, and computer-implemented methods for providing assisted channel credit application completion for customers, where approval of the credit application results in an automatic integration of payment credentials into a corresponding digital wallet. One example method includes receiving, via an assisted channel user terminal, a request to apply for a new credit account for a customer. Input into a digital credit application is input by an employee or teller on behalf of the customer. A credit adjudication process is performed on the application, and, in response to approval, a new credit account associated with the customer and corresponding payment information is created. A system to which the set of payment information is to be provided is identified, and the set of payment information associated with the new credit account is transmitted to those systems to be automatically integrated into those systems' digital wallets.
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公开(公告)号：US11677742B2
公开(公告)日：2023-06-13
申请号：US16570281
申请日：2019-09-13
Applicant: The Toronto-Dominion Bank
Inventor： Marina Izvekova , Jane Holtslander , Andrew David Clark , Alan Tam , Tina Patel , Steven Anthony Ghose , Michael David Mewhort , Chun Yu Zhang
CPC classification number: H04L63/0838 , H04L67/01 , H04L67/306 , H04L51/42 , H04L51/52 , H04W4/14
Abstract: Methods and systems for creating a multi-applicant account profile are described. During a first remote session, a first applicant provides at least two pieces of contact data for second applicant. A unique link and a one-time password are transmitted to the second applicant using respective first and second pieces of contact data. A second remote session is initiated, in response to receipt of the one-time password, provided via the unique link. During the second remote session, identification information of the second applicant is provided. A new multi-applicant account profile is then created, after verifying the identification information of the first applicant and the second applicant.
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