公开(公告)号：US20180096319A1

公开(公告)日：2018-04-05

申请号：US15286479

申请日：2016-10-05

Applicant: The Toronto-Dominion Bank

Inventor： Garima AGGARWAL ,  Hisham Ibrahim SALAMA ,  Rakesh Thomas JETHWA ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Dean C. N. TSERETOPOULOS ,  Amber Rose COSSITT

IPC: G06Q20/10 ,  G06F3/041 ,  G06F3/044 ,  G06F3/0488

CPC classification number: G06F3/04883 ,  G06F21/31 ,  G06F2203/04105 ,  G06Q20/108 ,  G06Q20/3223 ,  G06Q20/403 ,  G06Q20/405

Abstract: A method and system are provided for facilitating access to electronic data. The method is executed by a processor of a computing device. The computing device includes the processor coupled to a memory, a communications module, and an input device. The method includes receiving a first input from the input device representing a request from a request initiator to access funds for use in a transaction, requesting and receiving, via the communications module, financial health data associated with the request initiator, and determining a second input for accessing the funds. The second input is received from the input device and has a complexity dependent on the financial health data. The method also includes facilitating access to the funds when the second input is received.

公开(公告)号：US20180096386A1

公开(公告)日：2018-04-05

申请号：US15286533

申请日：2016-10-05

Applicant: The Toronto-Dominion Bank

Inventor： Garima AGGARWAL ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Dean C. N. TSERETOPOULOS

IPC: G06Q30/02 ,  G06Q40/02 ,  G06F3/044 ,  G06F3/0488

CPC classification number: G06Q30/0253 ,  G06F3/017 ,  G06F3/044 ,  G06F3/04842 ,  G06F3/04883 ,  G06F2203/011 ,  G06F2203/04105 ,  G06Q30/0255 ,  G06Q40/025

Abstract: A method and system are provided for facilitating access to electronic data. The method is executed by a processor of a computing device. The computing device includes the processor coupled to a memory, a communications module, an input device, and a display. The method includes receiving an input from the input device representing a request by a request initiator to access funds from a first source for use in a transaction, requesting and receiving, via the communications module, financial health data associated with the request initiator, determining a financial product comprising funds from a second source available to the request initiator based on the financial health data, and displaying an offer of the financial product on the display for the request initiator.

公开(公告)号：US20210014173A1

公开(公告)日：2021-01-14

申请号：US16506148

申请日：2019-07-09

Applicant: The Toronto-Dominion Bank

Inventor： Kareem EL-ONSI ,  Garima AGGARWAL ,  Raymond Alan YOUNG

IPC: H04L12/911 ,  H04L12/927 ,  H04L12/801

Abstract: A computer-implemented for allocating resources is disclosed. The method includes: receiving, from a client device associated with an entity, input including a selection of a first operation; obtaining a threshold quantity of resources associated with the first operation; allocating a first quantity of resources associated with the entity to the first operation; detecting a trigger condition for obtaining resources associated with the first operation; and in response to detecting the trigger condition for obtaining resources associated with the first operation: determining a second quantity of resources associated with the entity for allocation to the first operation based on a difference between the threshold quantity of resources associated with the first operation and the first quantity of resources; and transmitting, to the client device, a signal representing a message indicating the second quantity of resources.

公开(公告)号：US20230275846A1

公开(公告)日：2023-08-31

申请号：US18170073

申请日：2023-02-16

Applicant: The Toronto-Dominion Bank

Inventor： Kareem EL-ONSI ,  Garima AGGARWAL ,  Raymond Alan YOUNG

IPC: H04L47/78 ,  H04L47/10 ,  H04L47/80 ,  H04L47/70

CPC classification number: H04L47/781 ,  H04L47/29 ,  H04L47/808 ,  H04L47/822

Abstract: A computer-implemented is disclosed. The method includes: allocating a first quantity of resources associated with one or more database records of an entity to a first device operation of a computing device associated with the entity; detecting a trigger condition associated with the first device operation for generating offers for lending resources to the entity in connection with the first device operation; in response to detecting the trigger condition: determining a second quantity of resources associated with the one or more database records for allocating to the first device operation based on a difference between a threshold quantity of resources associated with performing the first device operation and a total quantity of resources associated with the one or more database records previously allocated to the first device operation; and transmitting, to the computing device, a message representing an offer for lending the second quantity of resources.

公开(公告)号：US20180096434A1

公开(公告)日：2018-04-05

申请号：US15286345

申请日：2016-10-05

Applicant: The Toronto-Dominion Bank

Inventor： Garima AGGARWAL ,  Hisham Ibrahim SALAMA ,  Rakesh Thomas JETHWA ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Dean C. N. TSERETOPOULOS ,  Amber Rose COSSITT

IPC: G06Q40/00

CPC classification number: G06Q40/12

Abstract: A method and system are provided for displaying content on an electronic display. The method includes receiving data representing a plurality of items, each of the plurality of items being associated with a product or service. The method also includes requesting and receiving financial health data associated with a purchasing entity. The method also includes determining a subset of items from the plurality of items based on affordability relative to the financial health data, and having at least one of the plurality of items displayed on the electronic display. The subset of items may be displayed in a different manner than the other plurality of items displayed, the different manner may include either or both reducing visibility of the subset of items, and excluding the subset of items from being displayed.

公开(公告)号：US20200073548A1

公开(公告)日：2020-03-05

申请号：US16675092

申请日：2019-11-05

Applicant: The Toronto-Dominion Bank

Inventor： Garima AGGARWAL ,  Hisham Ibrahim SALAMA ,  Rakesh Thomas JETHWA ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Dean C. N. TSERETOPOULOS ,  Amber Rose COSSITT

IPC: G06F3/0488 ,  G06F21/31 ,  G06Q20/32 ,  G06Q20/10 ,  G06Q20/40

Abstract: A method and system are provided for facilitating access to electronic data. The method is executed by a processor of a computing device. The computing device includes the processor coupled to a memory, a communications module, and an input device. The method includes receiving a first input from the input device representing a request from a request initiator to access funds for use in a transaction, requesting and receiving, via the communications module, financial health data associated with the request initiator, and determining a second input for accessing the funds. The second input is received from the input device and has a complexity dependent on the financial health data. The method also includes facilitating access to the funds when the second input is received.