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1.发明授权公开(公告)号：US12136079B2
公开(公告)日：2024-11-05
申请号：US17549701
申请日：2021-12-13
Applicant: The Toronto-Dominion Bank
Inventor： Christopher Mark Jones , Barry Wayne Baird, Jr. , Claude Bernell Lawrence, Jr. , Jonathan Joseph Prendergast
Abstract: The disclosed embodiments include computer-implemented apparatuses and processes that provision, in real-time, targeted recommendations based on decomposed structured messaging data. For example, an apparatus receives a message that includes elements of message data disposed within corresponding message fields. The message data may characterizes a real-time payment requested by a first counterparty from a second counterparty and associated with a first product provisioned to the second counterparty by the first counterparty. Based on elements of message data, the apparatus determines a value of a parameter that characterizes at least one of the second counterparty or a relationship between the second counterparty and the first counterparty, and transmits digital content associated with the parameter value to a device operable by the second counterparty, which presents a portion of the digital content within a digital interface.
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公开(公告)号：US11763279B2
公开(公告)日：2023-09-19
申请号：US17381321
申请日：2021-07-21
Applicant: The Toronto-Dominion Bank
Inventor： Christopher Mark Jones , Marc Chalifoux
CPC classification number: G06Q20/1085 , G07F19/202 , G07F19/203
Abstract: In an aspect, the present application describes a computer system. The computer system includes a communications module and a processor coupled to the communications module. The computer system include a memory coupled to the processor storing instructions that, when executed by the computer system, cause the computer system to: receive, from an automated teller machine (ATM) and via the communications module, an indication of a deposit of a value instrument; save, in the memory, a retention instruction including an associated temporal period, the retention instruction preventing withdrawal of value instruments corresponding to an amount of the deposit; receive, via the communications module, an instruction to process a data transfer to a recipient, the data transfer to the recipient accessing at least a portion of the deposit; and process the data transfer to the recipient during the temporal period using at least a portion of the deposit.
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公开(公告)号：US12293343B2
公开(公告)日：2025-05-06
申请号：US18350903
申请日：2023-07-12
Applicant: The Toronto-Dominion Bank
Inventor： Christopher Mark Jones , Marc Samuel Chalifoux
Abstract: In an aspect, the present application describes a computer system. The computer system includes a communications module and a processor coupled to the communications module. The computer system include a memory coupled to the processor storing instructions that, when executed by the computer system, cause the computer system to: receive, from an automated teller machine (ATM) and via the communications module, an indication of a deposit of a value instrument; save, in the memory, a retention instruction including an associated temporal period, the retention instruction preventing withdrawal of value instruments corresponding to an amount of the deposit; receive, via the communications module, an instruction to process a data transfer to a recipient, the data transfer to the recipient accessing at least a portion of the deposit; and process the data transfer to the recipient during the temporal period using at least a portion of the deposit.
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公开(公告)号：US12067606B2
公开(公告)日：2024-08-20
申请号：US17546422
申请日：2021-12-09
Applicant: The Toronto-Dominion Bank
Inventor： Christopher Mark Jones , Barry Wayne Baird, Jr. , Claude Bernell Lawrence, Jr. , Jonathan Joseph Prendergast
IPC: G06Q30/00 , G06Q20/32 , G06Q30/0601
CPC classification number: G06Q30/0631 , G06Q20/3255
Abstract: The disclosed embodiments include computer-implemented systems and processes that provision targeted alternative product information based on structured messaging data. For example, an apparatus may receive a message that characterizes a real-time payment requested by a first counterparty from a second counterparty, and is associated with a first product provisioned to the second counterparty by the first counterparty. The apparatus may determine that a second product is available to the second counterparty based on the message. Further, the apparatus may transmit notification data to a device operable by the second counterparty. The notification data includes product data characterizing the second product, and causes an application program executed at the device to present at least a portion of the product data within a digital interface. The apparatus also receives a response to the notification data from the device and, based on the response, provisions the second product to the second counterparty.
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公开(公告)号：US12045189B2
公开(公告)日：2024-07-23
申请号：US17953728
申请日：2022-09-27
Applicant: The Toronto-Dominion Bank
Inventor： Christopher Mark Jones , Barry Wayne Baird, Jr. , Claude Bernell Lawrence, Jr. , Jonathan Joseph Prendergast
CPC classification number: G06F13/4068 , G06F9/5061 , H04L67/60 , H04L67/62
Abstract: Methods and devices are provided for executing a data transfer based on one or more data transfer definitions. A signal representing a data transfer request is received from a first computing device. The data transfer request includes at least an identifier defining what is requested to be transferred. A notification of the data transfer request is sent to a second computing device. An interface including a plurality of interface elements for providing one or more data transfer definitions is sent to the second computing device. The interface includes at least one interface element that is pre-populated based on the data transfer request, and at least one interface element providing an option to define a time of day for a data transfer. The one or more data transfer definitions are received from the second computing device and the data transfer is executed based on the one or more data transfer definitions.
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Patent Agency Ranking
公开(公告)号：US11797962B2
公开(公告)日：2023-10-24
申请号：US16435967
申请日：2019-06-10
Applicant: The Toronto-Dominion Bank
Inventor： Christopher Mark Jones , Marc Chalifoux , Sara Knechtel
IPC: G06Q20/14 , G06Q40/02 , G06F21/31 , G06Q30/04 , G06Q10/107
CPC classification number: G06Q20/14 , G06F21/31 , G06Q10/107 , G06Q30/04 , G06Q40/02
Abstract: Configuring data transfers based on electronic messages. A system includes a communication module, a processor, and a memory. The memory stores instructions that, when executed, configure the processor to: receive, from a client device, an authentication credential and associate the authentication credential with a client record. The processor identifies, based on delegated access to query a message account at a message server, a resource request message associated with the message account using a defined criteria. The processor obtains, based on the resource request message, a resource parameter to define a proposed resource transfer to a recipient entity. The processor generates and transmits, to the client device, a transfer request alert based on the proposed resource transfer for display at the client device. In response to receiving, from the client device, a selection of a selectable option, the processor allocates a resource to the recipient entity.
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公开(公告)号：US11062389B2
公开(公告)日：2021-07-13
申请号：US16368944
申请日：2019-03-29
Applicant: The Toronto-Dominion Bank
Inventor： Nasim Sarir , Steven Gervais , Christopher Mark Jones , Jonathan Joseph Prendergast , John William Thomas , Michael Thomas DeLaveaga
Abstract: A method may include: sending a first signal representing a message identifying an entity from a server computer system to a resource usage tracking server; in response to the message, receiving, from the resource usage tracking server, a second signal representing historical resource usage data for the entity; identifying a first data transfer recipient associated with the historical resource usage data for the entity by using a database of supported data transfer recipients; sending a third signal, the third signal causing a client device associated with the entity to display a selectable option for data transfer to the identified first data transfer recipient; receiving a fourth signal, the fourth signal indicating selection of the selectable option for data transfer to the identified first data transfer recipient; and in response to receiving the fourth signal, configuring an account associated with the entity based on the first data transfer recipient.
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公开(公告)号：US12050707B2
公开(公告)日：2024-07-30
申请号：US17401465
申请日：2021-08-13
Applicant: The Toronto-Dominion Bank
Inventor： Jonathan Joseph Prendergast , Thomas Osman Kelly , Christopher Mark Jones , Harshad Laxmanbhai Patel
IPC: G06F21/62 , G06F9/54 , G06F16/955 , G06Q20/08 , G06Q20/40 , G06Q30/0207 , H04L9/40
CPC classification number: G06F21/6218 , G06F9/541 , G06F16/9566 , G06Q20/085 , G06Q20/4014 , G06Q30/0224 , H04L63/10
Abstract: A computer-implemented method is disclosed. The method includes: receiving transfer parameters associated with a request for a first transfer of resources, the transfer parameters including an identifier of a designated transferor associated with the first transfer; determining that the transferor is eligible to access at least one protected data source based on the transfer parameters; generating a request message for the request including reference data for accessing the at least one protected data source; and providing, to a computing device associated with the transferor, the request message.
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公开(公告)号：US11100480B2
公开(公告)日：2021-08-24
申请号：US16431796
申请日：2019-06-05
Applicant: The Toronto-Dominion Bank
Inventor： Christopher Mark Jones , Marc Chalifoux
Abstract: In an aspect, the present application describes a computer system. The computer system includes a communications module and a processor coupled to the communications module. The computer system include a memory coupled to the processor storing instructions that, when executed by the computer system, cause the computer system to: receive, from an automated teller machine (ATM) and via the communications module, an indication of a deposit of a value instrument; save, in the memory, a retention instruction including an associated temporal period, the retention instruction preventing withdrawal of value instruments corresponding to an amount of the deposit; receive, via the communications module, an instruction to process a data transfer to a recipient, the data transfer to the recipient accessing at least a portion of the deposit; and process the data transfer to the recipient during the temporal period using at least a portion of the deposit.
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公开(公告)号：US20210049683A1
公开(公告)日：2021-02-18
申请号：US16597487
申请日：2019-10-09
Applicant: The Toronto-Dominion Bank
Inventor： Christopher Mark Jones , Claude Bernell Lawrence, JR. , Barry Wayne Baird, JR. , Jonathan Joseph Prendergast
Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing financing offers based on debit account expenditures. One example method includes monitoring a plurality of debit accounts that are associated with a plurality of customers, and identifying at least one transaction that meets a predetermined transaction identification rule. Generating a loan proposal based on the at least one identified transaction and transmitting the loan proposal to a user device. In response to receiving an indication that a user accepts the loan, a new funding account is opened and the user's debit account is credited with the amount of the loan value.
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