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公开(公告)号：US20170124541A1
公开(公告)日：2017-05-04
申请号：US15286094
申请日：2016-10-05
Applicant: The Toronto-Dominion Bank
Inventor： Garima Aggarwal , Jonathan K. Barnett , Roisin Lara Fritz , Robert Kyle Miller , Paul Mon-Wah Chan , John Jong-Suk Lee , Orin DelVecchio
CPC classification number: G06Q20/102 , G06Q20/085 , G06Q20/145 , G06Q20/40
Abstract: The present disclosure involves systems, software, and computer-implemented methods for implementing a data transfer control based on information received from connected devices. In one instance, operations include loading an expected usage amount for a group of connected devices. Signals representing actual usage amounts associated with the group are received from at least device in the group. The actual usage amounts can be compared to the expected usage amount. An authorization of at least one payment-related action associated with the at least one group of connected devices is automatically transmitted to a payment system in response to determining that the usage amount is less than or equal to the expected amount, and at least one instruction to perform a corrective action associated with the group is automatically transmitted to at least one connected device of the group in response to determining that the actual amount exceeds the expected amount.
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公开(公告)号：US12015565B2
公开(公告)日：2024-06-18
申请号：US18170073
申请日：2023-02-16
Applicant: The Toronto-Dominion Bank
Inventor： Kareem El-Onsi , Garima Aggarwal , Raymond Alan Young
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.
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公开(公告)号：US11611516B2
公开(公告)日：2023-03-21
申请号：US16506148
申请日：2019-07-09
Applicant: The Toronto-Dominion Bank
Inventor： Kareem El-Onsi , Garima Aggarwal , Raymond Alan Young
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.
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公开(公告)号：US20180225754A1
公开(公告)日：2018-08-09
申请号：US15891645
申请日：2018-02-08
Applicant: The Toronto-Dominion Bank
Inventor： Orin Del Vecchio , Nigel Lall , Paul Mon-Wah Chan , Jonathan K. Barnett , Garima Aggarwal
IPC: G06Q40/02
CPC classification number: G06Q40/02
Abstract: The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a communications device including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receive a notification of a status of an account parameter. The operations may also include identifying a device eligible to access the notification in accordance with a user-specified data restriction, and identifying at least a portion of the notification that is consistent with the data restriction. The communications device provide the identified portion of the notification to the eligible device without receiving input from the user, and the eligible device may present at least one of a visual, audible, or tactile indicator of the status of the account parameter.
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Patent Agency Ranking
公开(公告)号：US11475512B2
公开(公告)日：2022-10-18
申请号：US15891645
申请日：2018-02-08
Applicant: The Toronto-Dominion Bank
Inventor： Orin Del Vecchio , Nigel Lall , Paul Mon-Wah Chan , Jonathan K. Barnett , Garima Aggarwal
Abstract: The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a communications device including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receive a notification of a status of an account parameter. The operations may also include identifying a device eligible to access the notification in accordance with a user-specified data restriction, and identifying at least a portion of the notification that is consistent with the data restriction. The communications device provide the identified portion of the notification to the eligible device without receiving input from the user, and the eligible device may present at least one of a visual, audible, or tactile indicator of the status of the account parameter.
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公开(公告)号：US10853774B2
公开(公告)日：2020-12-01
申请号：US15286094
申请日：2016-10-05
Applicant: The Toronto-Dominion Bank
Inventor： Garima Aggarwal , Jonathan K. Barnett , Roisin Lara Fritz , Robert Kyle Miller , Paul Mon-Wah Chan , John Jong-Suk Lee , Orin DelVecchio
Abstract: The present disclosure involves systems, software, and computer-implemented methods for implementing a data transfer control based on information received from connected devices. In one instance, operations include loading an expected usage amount for a group of connected devices. Signals representing actual usage amounts associated with the group are received from at least device in the group. The actual usage amounts can be compared to the expected usage amount. An authorization of at least one payment-related action associated with the at least one group of connected devices is automatically transmitted to a payment system in response to determining that the usage amount is less than or equal to the expected amount, and at least one instruction to perform a corrective action associated with the group is automatically transmitted to at least one connected device of the group in response to determining that the actual amount exceeds the expected amount.
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公开(公告)号：US09953367B2
公开(公告)日：2018-04-24
申请号：US14589840
申请日：2015-01-05
Applicant: The Toronto-Dominion Bank
Inventor： Orin Del Vecchio , Nigel Lall , Paul Mon-Wah Chan , Jonathan K. Barnett , Garima Aggarwal
CPC classification number: G06Q40/02 , H04L67/10 , H04L67/18 , H04L67/22 , H04L67/26 , H04L67/306 , H04L67/42
Abstract: The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a device including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include obtaining information identifying an event and a deadline specified by a user. The obtained information may link the event and deadline to corresponding user-specified temporal intervals. The operations may also include determining whether a current date falls within a time period prior to the deadline, the time period being established by the first temporal interval. When the current date falls within the time period, the operations may generate first notification information that, when presented via a client device in accordance with a user-specified indicator type, notified the user that the current sate falls within the first time period.
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公开(公告)号：US09928547B2
公开(公告)日：2018-03-27
申请号：US14589848
申请日：2015-01-05
Applicant: The Toronto-Dominion Bank
Inventor： Orin Del Vecchio , Nigel Lall , Paul Mon-Wah Chan , Jonathan K. Barnett , Garima Aggarwal
IPC: G06Q40/02
CPC classification number: G06Q40/02
Abstract: The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a communications device including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receive a notification of a status of an account parameter. The operations may also include identifying a device eligible to access the notification in accordance with a user-specified data restriction, and identifying at least a portion of the notification that is consistent with the data restriction. The communications device provide the identified portion of the notification to the eligible device without receiving input from the user, and the eligible device may present at least one of a visual, audible, or tactile indicator of the status of the account parameter.
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9.发明授权公开(公告)号：US09916620B2
公开(公告)日：2018-03-13
申请号：US14588861
申请日：2015-01-02
Applicant: The Toronto-Dominion Bank
Inventor： Orin Del Vecchio , Nigel Lall , Paul Mon-Wah Chan , Jonathan K. Barnett , Garima Aggarwal
CPC classification number: G06Q40/02
Abstract: The disclosed embodiments include methods and systems for providing account status notifications. The disclosed embodiments include, for example, a device for providing account status notifications including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receiving account status notification information for a first account associated with a user. The account status notification information may be generated based on one or more notification rules and account information associated with the first account. The operations may also include generating, based on the received account status notification information, a first account status indicator that provides a status of a first account parameter associated with the first account that is presented, via a device component and within a field-of-view of the user, without a user request to receive the status of the first account parameter.
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