公开(公告)号：US20230110017A1

公开(公告)日：2023-04-13

申请号：US18077695

申请日：2022-12-08

Applicant: The Toronto-Dominion Bank

Inventor： Denny Devasia KURUVILLA ,  Esli GJINI ,  Sarah REEVE ,  Harjot Singh PANAG ,  Justin SETO ,  Naomi Sarah FETH ,  Anurag THAKUR

IPC: G06Q40/08 ,  G06T7/00 ,  G06F16/583 ,  H04N23/60 ,  H04N23/63

Abstract: Methods and systems for facilitating photo-based estimation are described. In an aspect, a computing device is configured to receive, from the camera, a signal comprising image data. The image data may represent at least a portion of a vehicle. The computing device may also retrieve data representing a preferred scene of the vehicle and determine, based on the image data and based on the data representing the preferred scene of the vehicle, whether the image data corresponds to the preferred scene of the vehicle. The server may, when the received image data corresponds to the preferred scene of the vehicle, enable capture of the image data. The server may send, via the communications module, a signal representing the captured image data to a processing server configured to analyze the captured image data to assess vehicular damage.

公开(公告)号：US20210201468A1

公开(公告)日：2021-07-01

申请号：US17198376

申请日：2021-03-11

Applicant: The Toronto-Dominion Bank

Inventor： Denny Devasia KURUVILLA ,  Esli GJINI ,  Sarah REEVE ,  Harjot Singh PANAG ,  Justin SETO ,  Naomi Sarah FETH ,  Anurag THAKUR

IPC: G06T7/00 ,  G06K9/00 ,  H04N5/232 ,  H04L12/58 ,  G06Q40/08 ,  G06T7/11

Abstract: A server comprises a communications module; a processor coupled to the communications module; and a memory coupled to the processor, the memory storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a remote computing device, a signal representing an indication of at least one damage location of a vehicle; generate instructions by concatenating one or more instruction sets instructing a user of the remote computing device how to obtain video data of the vehicle based on the at least one damage location and an instruction set instructing the user of the remote computing device how to obtain the video data of the vehicle to capture an identifier of the vehicle in a random order; and send, via the communications module and to the remote computing device, a signal causing the instructions to be displayed on a display of the remote computing device.

公开(公告)号：US20230014766A1

公开(公告)日：2023-01-19

申请号：US17947570

申请日：2022-09-19

Applicant: The Toronto-Dominion Bank

Inventor： Denny Devasia KURUVILLA ,  Esli GJINI ,  Sarah REEVE ,  Justin SETO ,  Naomi Sarah FETH ,  Anurag THAKUR ,  Harjot Singh PANAG

IPC: H04N7/18 ,  G06T7/00 ,  H04L67/12 ,  G06Q40/08 ,  H04L67/306

Abstract: A server comprises a communications module, a processor coupled to the communications module, and a memory coupled to the processor. The memory stores processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a remote computing device, video data of a vehicle in an original state, store, in the memory, at least some of the video data of the vehicle and associate the stored video data with an account, receive, via the communications module and from the remote computing device, an indication of a claim, the indication associated with an account identifier, retrieve, using the account identifier and from the memory, the video data of the vehicle in the original state from the memory, and send, via the communications module and to the remote computing device, instructions for obtaining video data of the vehicle based on the video data of the vehicle in the original state.

公开(公告)号：US20210233225A1

公开(公告)日：2021-07-29

申请号：US17226600

申请日：2021-04-09

Applicant: The Toronto-Dominion Bank

Inventor： Denny Devasia KURUVILLA ,  Esli GJINI ,  Sarah REEVE ,  Harjot Singh PANAG ,  Justin SETO ,  Naomi Sarah FETH ,  Anurag THAKUR

IPC: G06T7/00 ,  G06K9/62 ,  G06T7/90 ,  H04L29/08 ,  H04L12/58 ,  G06Q40/08

Abstract: Methods and systems for facilitating photo-based estimation are described. In an aspect, a server is configured to receive, via the communications module from a remote computing device, a signal comprising image data obtained by the remote computing device, the image data including metadata identifying an image capture location and a time of image capture; obtain verification data, the verification data comprising sensor data received from the remote computing device and identifying a location of the remote computing device at the time of image capture; and evaluate the image data based on the verification data to verify the authenticity of the image data by comparing the image capture location in the metadata to the location of the remote computing device at the time of image capture.

公开(公告)号：US20230205861A1

公开(公告)日：2023-06-29

申请号：US18179517

申请日：2023-03-07

Applicant: The Toronto-Dominion Bank

Inventor： David Samuel TAX ,  Harjot Singh PANAG ,  Kevin Wayne FARAGHER ,  Milos DUNJIC

IPC: G06F21/36 ,  G06F21/62 ,  H04L9/06 ,  G06F3/0482

CPC classification number: G06F21/36 ,  G06F21/6209 ,  H04L9/0643 ,  G06F3/0482 ,  H04L9/50

Abstract: A server 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, a signal representing a request to add an authorized user to an account of an entity hosted by a first institution associated with the server; send, via the communications module and to a second server associated with a second institution hosting an account of the authorized user, a signal that includes a unique key and an identifier of the entity, the signal causing the second server to store the unique key and the identifier in memory and associating the unique key and the identifier with the account of the authorized user; receive a signal representing a request to perform an operation for the entity; in response to receiving the request to perform the operation, send, via the communications module and to a digital identity network, a request for a unique key associated with the entity; receive, via the communications module and from the digital identity network, the unique key; and in response to receiving the unique key, perform the operation.

公开(公告)号：US20200242838A1

公开(公告)日：2020-07-30

申请号：US16822206

申请日：2020-03-18

Applicant: The Toronto-Dominion Bank

Inventor： Denny Devasia KURUVILLA ,  Esli GJINI ,  Sarah REEVE ,  Harjot Singh PANAG ,  Justin SETO ,  Naomi Sarah FETH ,  Anurag THAKUR

IPC: G06T19/00 ,  G06Q40/08 ,  G06T17/00

Abstract: Methods and systems for facilitating photo-based estimation are described. In an aspect, a server is configured to provide, via a communications module to a remote computing device, a first signal comprising a live chat interface; send, via the communications module to the remote computing device, a second signal representing display data that includes a damage location indicator, the display data causing the remote computing device to overlay the damage location indicator on a vehicle model displayed within the live chat interface, the damage location indicator selectable within the live chat interface to input an indication of a damage location; and receive, via the communications module and after selection of the damage location indicator, a third signal comprising an indicator of the location of damage.

公开(公告)号：US20250013777A1

公开(公告)日：2025-01-09

申请号：US18895562

申请日：2024-09-25

Applicant: The Toronto-Dominion Bank

Inventor： Harjot Singh PANAG ,  Nipaben SHELAT ,  Karandeep PURI ,  Kevin Wayne FARAGHER

IPC: G06F21/62 ,  G06F21/32 ,  G06V40/16

Abstract: A computer-implemented method is disclosed. The method includes: enabling an access control for a data record, wherein enabling the access control comprises imposing a set of restrictions on accessing the data record; receiving at least one biometric data capture for a user and a digital form of at least one identification document associated with the user; obtaining verification results representing an identity verification status of the user based on a document verification process using the at least one biometric data capture and the digital form; in response to determining that the verification results satisfy first conditions, selectively disabling the access control for the data record by disabling a first subset of the imposed restrictions on the data record, wherein selection of the first subset depends on the verification results.

公开(公告)号：US20230020445A1

公开(公告)日：2023-01-19

申请号：US17376254

申请日：2021-07-15

Applicant: The Toronto-Dominion Bank

Inventor： Harjot Singh PANAG ,  Nipaben SHELAT ,  Karandeep PURI ,  Kevin Wayne FARAGHER

IPC: G06F21/62 ,  G06F21/32 ,  G06K9/00

Abstract: A computer-implemented method is disclosed. The method includes: detecting a trigger event associated with a data record; in response to detecting the trigger event, enabling an access control for the data record, the access control defining one or more restrictions on accessing the data record; receiving at least one biometric data capture of a user and a digital form of at least one identification document associated with the user; obtaining verification results representing an identity verification status of the user based on a document verification process using the at least one biometric data capture and the digital form; in response to determining that the verification results satisfy first conditions: verifying user-inputted data based on contents of the at least one identification document; and in response to the verifying, disabling the access control for the data record.

公开(公告)号：US20230007009A1

公开(公告)日：2023-01-05

申请号：US17941065

申请日：2022-09-09

Applicant: The Toronto-Dominion Bank

Inventor： Harjot Singh PANAG ,  Kevin Wayne FARAGHER ,  Sumathi SEETHARAMAN

IPC: H04L9/40

Abstract: A server 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 authenticate a user via a first authentication channel; receive, via the communications module and from a computing device associated with the user, a signal representing a request to transfer a first quantity of resources; determine that the first quantity of resources is less than a first threshold associated with the first authentication channel; obtain identity data associated with the request to transfer the first quantity of resources; determine, based on the identity data, that a request to transfer a second quantity of resources has been previously initiated by the user via a second authentication channel that is different than the first authentication channel; and determine that the sum of the first quantity of resources and the second quantity of resources is less than the first threshold, and in response to determining that the sum of the first quantity of resources and the second quantity of resources is less than the first threshold, initiate the transfer of the first quantity of resources.

公开(公告)号：US20230222243A1

公开(公告)日：2023-07-13

申请号：US18187227

申请日：2023-03-21

Applicant: The Toronto-Dominion Bank

Inventor： Milos DUNJIC ,  David Samuel TAX ,  Kevin Wayne FARAGHER ,  Harjot Singh PANAG

IPC: H04W12/062 ,  H04W12/69

CPC classification number: H04W12/062 ,  H04W12/69

Abstract: A system and method for managing access to entity identity data are described. The 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 authenticate a remote device as being associated with an entity; receive, via the communications module and from the remote device, pre-consent data identifying one or more third parties permitted to access entity identity data for the entity; store, in the memory, the pre-consent data in association with the entity; receive, via the communications module and from a digital identity network, a signal representing a request to release the entity identity data to the third party; determine, based on the pre-consent data, that the entity identity data is to be released to the third party; and initiate release of the entity identity data to a computing device associated with the third party.