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公开(公告)号：US20230334459A1
公开(公告)日：2023-10-19
申请号：US18334598
申请日：2023-06-14
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Daniel Lam Tin Cheung , Asgar Maleki , Kevin Yuen , Danielle Marie Mullenax
CPC classification number: G06Q20/24 , G06Q20/3223 , G06Q20/409 , G06Q20/227 , G06Q20/36 , G06Q20/4014
Abstract: The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying a request to perform a credit application process associated with a particular user via a client application. A first signal can be transmitted that includes a redirect instruction for the client application to a credit application site to perform a credit application process. A second signal can be transmitted that includes a merchant-specific identifier of the particular user and a request to perform the credit application process. A third signal can be received from the credit application site that includes an approval, a payment credential associated with a newly created credit account, and the merchant-specific identifier of the particular user. The payment credential can be associated with the user profile of the user corresponding to the merchant-specific identifier.
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公开(公告)号：US20210279795A1
公开(公告)日：2021-09-09
申请号：US17330097
申请日：2021-05-25
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Daniel Lam Tin Cheung , Asgar Maleki , Kevin Yuen , Danielle Marie Mullenax
Abstract: The present disclosure involves systems, software, and computer implemented methods for providing credit application and provisioning operations associated with a financial institution via a secure financial application and mobile wallet. One example method includes receiving a credit application for user. In response to credit approval, a new credit account associated with a set of credentials is created. An indication of approval and the credentials are transmitted via a first channel, and a request to open a secure financial application at a mobile device are transmitted through a second channel. A login request from the secure financial application is received, and if the credentials match the created credentials, a process for initiating onboarding procedures for a digital version of a payment card associated with the new credit account is initiated at the mobile device.
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公开(公告)号：US20240202766A1
公开(公告)日：2024-06-20
申请号：US18593413
申请日：2024-03-01
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Danielle Marie Mullenax , Dominic Elia , Michael James Taggart , Lance Lucas Leisher , Arlene Lori Maciver , Christiane Jewer , Ameya Warty , Javon Tavoy Findlator , Sean Michael Mullen , Stacey-Anne Callender , Jeffery Macdonald , Sheirline Hanna
IPC: G06Q30/0226 , G06Q30/0207
CPC classification number: G06Q30/0233 , G06Q30/0215
Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.
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公开(公告)号：US11704761B2
公开(公告)日：2023-07-18
申请号：US17457585
申请日：2021-12-03
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Danielle Marie Mullenax , Kevin Yuen , Daniel Lam Tin Cheung , Asgar Maleki
CPC classification number: G06Q50/265 , G06Q40/03 , H04L63/0884 , H04L9/3236 , H04L9/50
Abstract: The present disclosure involves systems, software, and computer implemented methods for performing identity validation using a digital ID shared and trusted among a coalition of institutions. One example method includes receiving, via a communications module and from a first consortium member system, a set of input credentials from a first consortium member system associated with an operation, where the set of input credentials is associated with a user. A digital ID is identified corresponding to the set of input credentials and the first user, wherein each digital ID uniquely identifies a particular user and corresponds to at least one user account associated with other consortium member systems in a trusted consortium network. Using the other user accounts, additional user account information associated with the user is obtained and used in a verification operation.
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公开(公告)号：US11688003B2
公开(公告)日：2023-06-27
申请号：US16135278
申请日：2018-09-19
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Daniel Lam Tin Cheung , Asgar Maleki , Kevin Yuen , Danielle Marie Mullenax
IPC: G06Q40/03 , G06Q20/36 , G06Q20/10 , G06Q20/32 , G06F40/174
CPC classification number: G06Q40/03 , G06F40/174 , G06Q20/10 , G06Q20/1085 , G06Q20/3223 , G06Q20/36
Abstract: The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying, at a merchant application, a request to perform a credit application process associated with a particular user via a client application. The credit application process is associated with a financial institution, and the merchant application stores a set of user accounts, each associated with a merchant-specific identifier identifying the particular user profile at the merchant. An interactive application is presented within the merchant application, and information associated with the completed application is transmitted to an API associated with the financial institution with the merchant-specific identifier of the associated user. A payment credential for a newly created credit account is received, and can be associated with the user profile corresponding to the merchant-specific identifier.
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Patent Agency Ranking
公开(公告)号：US11605106B2
公开(公告)日：2023-03-14
申请号：US16156858
申请日：2018-10-10
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Danielle Marie Mullenax , Dominic Elia , Michael James Taggart , Lance Lucas Leisher , Arlene Lori Maciver , Christiane Jewer , Ameya Warty , Javon Tavoy Findlator , Sean Michael Mullen , Stacey-Anne Callender , Jeffery Macdonald , Sheirline Hanna
IPC: G06Q30/00 , G06Q30/0226 , G06Q30/0207
Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.
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公开(公告)号：US20220092715A1
公开(公告)日：2022-03-24
申请号：US17457585
申请日：2021-12-03
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Danielle Marie Mullenax , Kevin Yuen , Daniel Lam Tin Cheung , Asgar Maleki
Abstract: The present disclosure involves systems, software, and computer implemented methods for performing identity validation using a digital ID shared and trusted among a coalition of institutions. One example method includes receiving, via a communications module and from a first consortium member system, a set of input credentials from a first consortium member system associated with an operation, where the set of input credentials is associated with a user. A digital ID is identified corresponding to the set of input credentials and the first user, wherein each digital ID uniquely identifies a particular user and corresponds to at least one user account associated with other consortium member systems in a trusted consortium network. Using the other user accounts, additional user account information associated with the user is obtained and used in a verification operation.
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公开(公告)号：US11227354B2
公开(公告)日：2022-01-18
申请号：US16416698
申请日：2019-05-20
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Danielle Marie Mullenax , Kevin Yuen , Daniel Lam Tin Cheung , Asgar Maleki
Abstract: The present disclosure involves systems, software, and computer implemented methods for performing identity validation using a digital ID shared and trusted among a coalition of institutions. One example method includes receiving, via a communications module and from a first consortium member system, a set of input credentials from a first consortium member system associated with an operation, where the set of input credentials is associated with a user. A digital ID is identified corresponding to the set of input credentials and the first user, wherein each digital ID uniquely identifies a particular user and corresponds to at least one user account associated with other consortium member systems in a trusted consortium network. Using the other user accounts, additional user account information associated with the user is obtained and used in a verification operation.
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公开(公告)号：US11935088B2
公开(公告)日：2024-03-19
申请号：US18077916
申请日：2022-12-08
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Danielle Marie Mullenax , Dominic Elia , Michael James Taggart , Lance Lucas Leisher , Arlene Lori Maciver , Christiane Jewer , Ameya Warty , Javon Tavoy Findlator , Sean Michael Mullen , Stacey-Anne Callender , Jeffery Macdonald , Sheirline Hanna
IPC: G06Q30/00 , G06Q30/0207 , G06Q30/0226
CPC classification number: G06Q30/0233 , G06Q30/0215
Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.
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公开(公告)号：US20230325957A1
公开(公告)日：2023-10-12
申请号：US18334726
申请日：2023-06-14
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Bloy , Danielle Marie Mullenax , Kevin Yuen , Daniel Lam Tin Cheung , Asgar Maleki
CPC classification number: G06Q50/265 , H04L9/3236 , G06Q40/03 , H04L63/0884
Abstract: The present disclosure involves systems, software, and computer implemented methods for performing identity validation using a digital ID shared and trusted among a coalition of institutions. One example method includes receiving, via a communications module and from a first consortium member system, a set of input credentials from a first consortium member system associated with an operation, where the set of input credentials is associated with a user. A digital ID is identified corresponding to the set of input credentials and the first user, wherein each digital ID uniquely identifies a particular user and corresponds to at least one user account associated with other consortium member systems in a trusted consortium network. Using the other user accounts, additional user account information associated with the user is obtained and used in a verification operation.
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