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公开(公告)号：US10438206B2
公开(公告)日：2019-10-08
申请号：US14723331
申请日：2015-05-27
Applicant: The Toronto-Dominion Bank
Inventor： Salim Jivraj , Lauren Van Heerden , Michael D. Cummins , Prabaharan Sivashanmugam , Gerald Jeschke , Andrew Chak , Mike Stephenson , Paul Mon-Wah Chan , John Jong Suk Lee , Orin Del Vecchio
Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.
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2.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：US11663603B2
公开(公告)日：2023-05-30
申请号：US16560013
申请日：2019-09-04
Applicant: The Toronto-Dominion Bank
Inventor： Salim Jivraj , Lauren Van Heerden , Michael D. Cummins , Prabaharan Sivashanmugan , Gerald Jeschke , Andrew Chak , Mike Stephenson , Paul Mon-Wah Chan , John Jong Suk Lee , Orin Del Vecchio
CPC classification number: G06Q20/4016 , G06Q20/322
Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.
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公开(公告)号：US20190392452A1
公开(公告)日：2019-12-26
申请号：US16560013
申请日：2019-09-04
Applicant: The Toronto-Dominion Bank
Inventor： SALIM JIVRAJ , Lauren Van Heerden , Michael D. Cummins , Prabaharan Sivashanmugan , Gerald Jeschke , Andrew Chak , Mike Stephenson , Paul Mon-Wah Chan , John Jong Suk Lee , Orin Del Vecchio
Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.
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