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公开(公告)号：US20240037087A1
公开(公告)日：2024-02-01
申请号：US17875728
申请日：2022-07-28
Applicant: The Toronto-Dominion Bank
Inventor： Jonathan Joseph PRENDERGAST , Thomas Osman KELLY , Sultan HARB , Hitesh BAJAJ
CPC classification number: G06F16/235 , G06F16/2386 , G06F16/21 , G06F11/3409
Abstract: In an aspect a computer system is configured to: receive accelerated transfer definition data defining one or more conditions for accelerating a transfer; obtain a due date for completing the transfer; initiate the transfer in response to the earlier of: determining that at least one of the conditions for accelerating the transfer have occurred; and determining that a current date is within a defined proximity of the due date for completing the transfer.
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公开(公告)号：US20230367475A1
公开(公告)日：2023-11-16
申请号：US17744072
申请日：2022-05-13
Applicant: The Toronto-Dominion Bank
IPC: G06F3/06
CPC classification number: G06F3/0605 , G06F3/0659 , G06F3/0646 , G06F3/067
Abstract: Systems and methods of determining whether to initiate a pull of an accumulated data transfer amount are described. An accumulated data transfer amount for a periodic data transfer scheduled to be pushed at a future date is determined. A determination is made of whether an overall data amount in a storage location is expected to be greater at a date on or after the scheduled future date if a pull of the accumulated data transfer amount is performed before the scheduled future date than if a pull operation is not performed and the accumulated data transfer amount is sent at the scheduled future date. When the overall data amount in the storage location is expected to be greater at the scheduled future date if the pull of the accumulated data transfer amount is performed, a pull of the accumulated data transfer amount is initiated.
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3.发明公开公开(公告)号：US20230336617A1
公开(公告)日：2023-10-19
申请号：US18337626
申请日：2023-06-20
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Jonathan Joseph PRENDERGAST , Kushank RASTOGI , Vipul Kishore LALKA
Abstract: A server computer system, comprises a processor; a communications module coupled to the processor; and a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to obtain information associated with a request to transfer data to a data record; determine, based on an identifier associated with the data record, whether a real-time transfer protocol is available to complete the transfer; and send, via the communications module and to a client device associated with a recipient of the request to transfer the data to the data record, a signal updating one or more interface elements of an interface displayed on the client device based on whether the real-time transfer protocol is available to complete the transfer.
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公开(公告)号：US20230306440A1
公开(公告)日：2023-09-28
申请号：US17702196
申请日：2022-03-23
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Jonathan Joseph PRENDERGAST , Christopher Mark JONES , Vipul Kishore LALKA
CPC classification number: G06Q30/018 , G06Q30/0635 , G06Q30/0609 , G06Q10/087
Abstract: A computer-implemented method is disclosed. The method includes: receiving, via a computing device of a transferor entity, a first request to process a transfer of resources associated with a first resource account, the first request indicating a maximum resource transfer amount for the transfer; generating a locked virtual allocation of resources associated with the first resource account, the virtual allocation representing a defined quantity of resources committed for the transfer; obtaining request data for a second request to transfer resources to a second resource account, the request data indicating a minimum requested resource amount; validating the second request based on identifying information of a recipient entity associated with the second request; determining that the first request and the second request satisfy a defined resource transfer condition; and in response to the determining, automatically granting, to the recipient entity, access to the virtual allocation of resources.
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公开(公告)号：US20230063835A1
公开(公告)日：2023-03-02
申请号：US17410061
申请日：2021-08-24
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Jonathan Joseph PRENDERGAST , Kushank RASTOGI , Vipul Kishore LALKA , Asad JOHEB
IPC: G06F3/06
Abstract: Methods and systems for performing a partial pass-through transfer are described. In an aspect, a method includes: receiving, from a first computing system, pass-through transfer definition data to be associated with a first logical storage area, the pass-through transfer definition data including a trigger condition for a pass-through transfer and an apportionment value for the pass-through transfer; storing a representation of the pass-through transfer definition data in association with the first logical storage area; detecting a first data transfer to the first logical storage area, the first data transfer representing a transfer of a resource; determining that the first data transfer satisfies the trigger condition; and in response to determining that the first data transfer satisfies the trigger condition: identifying a portion of the resource based on the apportionment value; and initiating a second data transfer.
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Patent Agency Ranking
6.发明申请公开(公告)号：US20230051335A1
公开(公告)日：2023-02-16
申请号：US17400756
申请日：2021-08-12
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Jonathan Joseph PRENDERGAST , Kushank RASTOGI , Vipul Kishore LALKA
Abstract: A server computer system, comprises a processor; a communications module coupled to the processor; and a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to obtain information associated with a request to transfer data to a data record; determine, based on an identifier associated with the data record, whether a real-time transfer protocol is available to complete the transfer; and send, via the communications module and to a client device associated with a recipient of the request to transfer the data to the data record, a signal updating one or more interface elements of an interface displayed on the client device based on whether the real-time transfer protocol is available to complete the transfer.
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公开(公告)号：US20220198433A1
公开(公告)日：2022-06-23
申请号：US17554146
申请日：2021-12-17
Applicant: The Toronto-Dominion Bank
Inventor： Christopher Mark JONES , Barry Wayne BAIRD, JR. , Claude Bermell LAWRENCE, JR. , Jonathan Joseph PRENDERGAST
Abstract: The disclosed embodiments include computer-implemented systems and processes that perform reconciliation processing in real-time based on structured messaging data. For example, an apparatus may receive elements of decomposed message data that include a first parameter value of a data exchange involving first and second counterparties, and that characterize a real-time payment requested from the second counterparty by the first counterparty. The apparatus may transmit a notification to a first device operable by the second counterparty and receive a response to the notification from the first device that includes a second parameter value of the data exchange. Based on at least the first and second parameter values, the apparatus may perform operations that reconcile the response with the elements of decomposed message data, and transmitting data indicative of an outcome of the reconciliation to a second device operable by the first counterparty for presentation within a digital interface.
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公开(公告)号：US20220101321A1
公开(公告)日：2022-03-31
申请号：US17034674
申请日：2020-09-28
Applicant: The Toronto-Dominion Bank
Inventor： Christopher Mark JONES , Barry Wayne BAIRD, JR. , Claude Bernell LAWRENCE, JR. , Jonathan Joseph PRENDERGAST
IPC: G06Q20/40
Abstract: A processor-implemented method is disclosed. The method includes: obtaining definition of transfer configuration rules for automatically handling requests for transfer of resources, the transfer configuration rules defining a plurality of handling actions for processing resource transfer requests and criteria associated with the respective handling actions, wherein the transfer configuration rules are generated based on historical transaction preference data associated with an entity; receiving, from a computing system, a first resource transfer request; determining that the first resource transfer request satisfies criteria defined in the transfer configuration rules that are associated with a first one of the plurality of handling actions; and in response to determining that the first resource transfer request satisfies the criteria associated with the first handling action, processing the first resource transfer request in accordance with the first handling action. eodcmaster
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公开(公告)号：US20250045830A1
公开(公告)日：2025-02-06
申请号：US18364073
申请日：2023-08-02
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Jonathan Joseph PRENDERGAST , Hitesh BAJAJ , Kenneth Tien Poh WONG
IPC: G06Q40/06
Abstract: Systems and methods for managing conditional use data resources are described. A conditional data record is disclosed. The conditional data record records only data resources having conditions restricting use and excludes data resources defined in a non-conditional data record. A first transfer of first data resources is received to an account. The first transfer has a first condition restricting use of the first data resources. The conditional data record is updated based on the first data resources. A transfer request for second data resources is received. The transfer request includes metadata defining a second condition. Based on the metadata, a determination is made regarding whether data resources associated with the conditional data record or data resources associated with the non-conditional data record should be used to complete the transfer request. The transfer request is completed.
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公开(公告)号：US20250014064A1
公开(公告)日：2025-01-09
申请号：US18893518
申请日：2024-09-23
Applicant: The Toronto-Dominion Bank
Inventor： Christopher Mark JONES , Barry Wayne BAIRD, JR. , Claude Bernell LAWRENCE, JR. , Jonathan Joseph PRENDERGAST
IPC: G06Q30/0217 , G06Q20/32 , G06Q20/38 , G06Q30/0282
Abstract: The disclosed exemplary embodiments include computer-implemented processes that assess initiated data exchanges in real-time based on structured messaging data. In some examples, an apparatus may receive a message associated with an exchange of data involving a first counterparty and a second counterparty and characterizing a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine a first identifier of the first counterparty based on elements of the message data disposed within corresponding message fields, and transmit notification data to a device operable by the second counterparty, which may present portions of the notification data within a digital interface. The apparatus may receive review data indicative of a review associated with the data exchange from the device, and store the first identifier and the review data in a data repository.
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