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公开(公告)号：US10438206B2
公开(公告)日：2019-10-08
申请号：US14723331
申请日：2015-05-27
Applicant: The Toronto-Dominion Bank
Inventor： Salim Jivraj , Lauren Van Heerden , Michael D. Cummins , Prabaharan Sivashanmugam , Gerald Jeschke , Andrew Chak , Mike Stephenson , Paul Mon-Wah Chan , John Jong Suk Lee , Orin Del Vecchio
Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.
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公开(公告)号：US11663603B2
公开(公告)日：2023-05-30
申请号：US16560013
申请日：2019-09-04
Applicant: The Toronto-Dominion Bank
Inventor： Salim Jivraj , Lauren Van Heerden , Michael D. Cummins , Prabaharan Sivashanmugan , Gerald Jeschke , Andrew Chak , Mike Stephenson , Paul Mon-Wah Chan , John Jong Suk Lee , Orin Del Vecchio
CPC classification number: G06Q20/4016 , G06Q20/322
Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.
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公开(公告)号：US20190392452A1
公开(公告)日：2019-12-26
申请号：US16560013
申请日：2019-09-04
Applicant: The Toronto-Dominion Bank
Inventor： SALIM JIVRAJ , Lauren Van Heerden , Michael D. Cummins , Prabaharan Sivashanmugan , Gerald Jeschke , Andrew Chak , Mike Stephenson , Paul Mon-Wah Chan , John Jong Suk Lee , Orin Del Vecchio
Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.
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