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公开(公告)号：US20230252516A1
公开(公告)日：2023-08-10
申请号：US17952648
申请日：2022-09-26
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Chung-Hey MA , Michael PRONSKI , Darius BRAZIUNAS , Jeffrey Lee BECK , Justin Leonard LEE , Jung Hoon BAEK
CPC classification number: G06Q30/0225 , G06Q10/087 , G06Q10/0833
Abstract: A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, authentication information to access an incentive management application; determine, based on the authentication information, an access level to access the incentive management application, the access level selected from an administration access level, a provider access level, or a purchaser access level, the administration access level assigned to one or more administration accounts and providing full access to the incentive management application, the provider access level assigned to one or more provider accounts and providing access to manage and fulfill incentive orders, and the purchaser access level assigned to one or more purchaser accounts and providing access to place and track incentive orders; and provide the computing device access to the incentive management application at the determined access level.
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公开(公告)号：US20230196447A1
公开(公告)日：2023-06-22
申请号：US18163519
申请日：2023-02-02
Applicant: The Toronto-Dominion Bank
Inventor： Michael PRONSKI , Darius BRAZIUNAS
IPC: G06Q30/0601 , G06Q20/08 , G06Q20/36
CPC classification number: G06Q30/0637 , G06Q20/085 , G06Q20/3672 , G06Q30/0641
Abstract: A computer-implemented method is disclosed. The method includes: generating a unique code for a recipient of a value storage token; sending, to a messaging address associated with the recipient, a first message including a link for accessing a token provider selection interface; detecting activation of the link by the recipient; in response to detecting activation of the link by the recipient, providing, on a computing device associated with the recipient, the token provider selection interface; receiving, via the token provider selection interface, a selection of a first token provider; and in response to receiving the selection of the first token provider, sending a digital representation of the value storage token to the messaging address associated with the recipient.
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公开(公告)号：US20230289775A1
公开(公告)日：2023-09-14
申请号：US17690269
申请日：2022-03-09
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Chung-Hey MA , Michael PRONSKI , Darius BRAZIUNAS
IPC: G06Q20/34
CPC classification number: G06Q20/351
Abstract: A computer server system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a requesting device, a signal that includes a request to send a stored-value card to a recipient, the request including a personal message and identifying an actor to perform the personal message; generate an audio component based at least on the personal message; obtain at least one image of the actor and generate a video component by augmenting one or more features of the at least one image of the actor based on one of the personal message or the audio component; generate an augmented personal message by combining the audio component and the video component; and send, via the communications module and to a mobile device of the recipient, a signal that includes the augmented personal message.
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公开(公告)号：US20210103908A1
公开(公告)日：2021-04-08
申请号：US16592894
申请日：2019-10-04
Applicant: The Toronto-Dominion Bank
Inventor： Sangeeta MATHEW , Darius BRAZIUNAS , Arthur Carroll CHOW , Ling TAO , Arun Victor JAGGA
Abstract: In an aspect, the present application describes a computer-implemented method including: storing a set of candidate rules, the set of candidate rules defining payment cycles; identifying, from a transaction history for an account, an actual set of transfers made to a first recipient; identifying a first reference transfer from the actual set of transfers; for each of at least a plurality of candidate rules in the set of candidate rules, identifying, based on the first reference transfer, an expected set of transfers for that candidate rule; identifying one of the candidate rules as a closest rule for the actual set of transfers; identifying a future expected transfer based on the identified one of the candidate rules; and providing a notification to a client device associated with the account of the future expected transfer.
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公开(公告)号：US20230306461A1
公开(公告)日：2023-09-28
申请号：US17952664
申请日：2022-09-26
Applicant: The Toronto-Dominion Bank
Inventor： Adrian Chung-Hey MA , Michael PRONSKI , Darius BRAZIUNAS , Jeffrey Lee BECK , Justin Leonard LEE , Jung Hoon BAEK
IPC: G06Q30/02
CPC classification number: G06Q30/0239
Abstract: A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to obtain a list of incentives associated with a bulk order of incentives and electronic addresses of recipients of the incentives; assign one or more of the incentives to one or more of the electronic addresses; send, via the communications module and to the one or more of the electronic addresses, the incentives; and monitor an error log to confirm successful delivery of the incentives.
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Patent Agency Ranking
公开(公告)号：US20230252515A1
公开(公告)日：2023-08-10
申请号：US17592572
申请日：2022-02-04
Applicant: The Toronto-Dominion Bank
Inventor： Michael PRONSKI , Darius BRAZIUNAS , Shereeka MCEWAN
IPC: G06Q30/02
CPC classification number: G06Q30/0225
Abstract: A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to store, in a database and in association with a provider of one or more incentives, data associated with at least one bulk order of incentives, the data including identifying information of a purchaser of the at least one bulk order of incentives and a unique number for each incentive; authenticate a computing device associated with the provider of the one or more incentives; obtain, from the database, at least one graphical object associated with the provider of the one or more incentives; automatically generate a customized incentive interface by populating one or more interface elements of a white label incentive interface, the customized incentive interface including at least a summary of the at least one bulk order of incentives and the at least one graphical object associated with the provider of the one or more incentives; and send, via the communications module and to the computing device associated with the provider of the one or more incentives, a signal causing the computing device to display the customized incentive interface that includes at least the summary of the at least one bulk order of incentives and the at least one graphical object associated with the provider of the one or more incentives.
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公开(公告)号：US20220309573A1
公开(公告)日：2022-09-29
申请号：US17842321
申请日：2022-06-16
Applicant: The Toronto-Dominion Bank
Inventor： Sangeeta MATHEW , Darius BRAZIUNAS , Arthur Carroll CHOW , Ling TAO , Arun Victor JAGGA
Abstract: In an aspect, the present application describes a method including: obtaining account data associated with an account; passing at least some of the account data through a non-sufficient funds classifier, the non-sufficient funds classifier being a machine learning classifier configured to classify the account as either likely to have a non-sufficient funds event or unlikely to have a non-sufficient funds event, the machine learning classifier configured to evaluate a plurality of parameters associated with the account data; in response to determining that the account is likely to have a non-sufficient funds event, forecasting a balance for the account, wherein forecasting the balance for the account includes; and providing, to a client device associated with the account, a notification based on a forecasted balance.
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公开(公告)号：US20220263782A1
公开(公告)日：2022-08-18
申请号：US17177557
申请日：2021-02-17
Applicant: The Toronto-Dominion Bank
Inventor： Arthur Carroll CHOW , Tae Gyun MOON , Sangeeta MATHEW , Darius BRAZIUNAS , Dino Paul D'AGOSTINO
IPC: H04L12/58
Abstract: A computer-implemented method is disclosed. The method includes: detecting a trigger condition associated with a data record based on monitoring data record operations in connection with the data record; in response to detecting the trigger condition, generating a first message object for the data record, the first message object being associated with at least one compatible access channel and one or more defined rules for evaluating the first message object prior to delivery of the first message object to a recipient entity; storing the first message object in a memory, the first message object being stored in association with a first set of one or more message objects for the data record, wherein the first set defines an order for the one or more message objects; detecting a data record operation via a first access channel; retrieving, from the memory, at least one message object of the first set that is associated with the first access channel; and causing the at least one message object to be delivered to the recipient entity via the first access channel.
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公开(公告)号：US20220222654A1
公开(公告)日：2022-07-14
申请号：US17148962
申请日：2021-01-14
Applicant: The Toronto-Dominion Bank
Inventor： Michael PRONSKI , Darius BRAZIUNAS
Abstract: A computer-implemented method is disclosed. The method includes: receiving, via a client device, a request to process an order for value storage tokens, the request indicating at least one token provider and order parameters defining at least one denomination and a quantity of value storage tokens to be associated with the at least one denomination; establishing a communication connection with a server system associated with the at least one token provider through an application programming interface (API) for the at least one token provider; generating one or more API calls for requesting to obtain digital representations of the value storage tokens associated with the order; and receiving the digital representations of the value storage tokens associated with the order.
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公开(公告)号：US20210103979A1
公开(公告)日：2021-04-08
申请号：US16592966
申请日：2019-10-04
Applicant: The Toronto-Dominion Bank
Inventor： Sangeeta MATHEW , Darius BRAZIUNAS , Arthur Carroll CHOW , Ling TAO , Arun Victor JAGGA
Abstract: In an aspect, the present application describes a method including: obtaining account data associated with an account; passing at least some of the account data through a non-sufficient funds classifier, the non-sufficient funds classifier being a machine learning classifier configured to classify the account as either likely to have a non-sufficient funds event or unlikely to have a non-sufficient funds event, the machine learning classifier configured to evaluate a plurality of parameters associated with the account data; in response to determining that the account is likely to have a non-sufficient funds event, forecasting a balance for the account, wherein forecasting the balance for the account includes; and providing, to a client device associated with the account, a notification based on a forecasted balance.
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