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    SYSTEMS AND METHODS FOR PROVIDING SENSOR-BASED LOCATION PROXIMITY DETECTION AND NOTIFICATION
    4.
    发明申请
    SYSTEMS AND METHODS FOR PROVIDING SENSOR-BASED LOCATION PROXIMITY DETECTION AND NOTIFICATION 有权
    用于提供基于传感器的位置临近检测和通知的系统和方法

    公开(公告)号：US20160012729A1

    公开(公告)日：2016-01-14

    申请号：US14793915

    申请日：2015-07-08

    Applicant: The Toronto-Dominion Bank

    Inventor： Orin DEL VECCHIO ,  Lauren VAN HEERDEN ,  Gunalan NADARAJAH ,  Jonathan K. BARNETT ,  Ashraf METWALLI ,  Jakub DANIELAK ,  Michael LOUGHRY ,  Daniel M. SIEGEL ,  Nikolas SAWTSCHUK ,  Sultan MEHRABI ,  Paul Mon-Wah CHAN ,  Matthew HAMILTON ,  Christianne MORETTI ,  John BARBON

    IPC: G08G1/00

    CPC classification number: G08G1/205 ,  G06Q10/109 ,  G08G1/20 ,  H04W4/022 ,  H04W4/023

    Abstract: he disclosed embodiments include methods and systems for providing a notification relating to a geographical boundary based on monitored sensor data collected by networked devices. The disclosed embodiments include, for example, a method for receiving, by one or more processors, a request to establish a first boundary around a first location. The method may also include monitoring, by the one or more processors, one or more triggering devices. The method may also include calculating, by the one or more processors, a first boundary extent delimiting the geographical area of the first boundary based on one or more boundary extent parameters. The method may also include detecting, by the one or more processors, whether at least one of the one or more triggering devices is located within the first boundary extent. The method may also include, when the at least one of the one or more triggering devices is detected within the first boundary extent, sending, by the one or more processors, a notification to a client device based on the determining.

    Abstract translation: 他公开的实施例包括基于由网络设备收集的监视的传感器数据提供与地理边界有关的通知的方法和系统。 所公开的实施例包括例如用于由一个或多个处理器接收建立围绕第一位置的第一边界的请求的方法。 该方法还可以包括由一个或多个处理器监视一个或多个触发装置。 该方法还可以包括由一个或多个处理器基于一个或多个边界范围参数来计算定界第一边界的地理区域的第一边界范围。 该方法还可以包括由一个或多个处理器检测一个或多个触发装置中的至少一个是否位于第一边界范围内。 该方法还可以包括当在第一边界范围内检测到一个或多个触发设备中的至少一个时，由一个或多个处理器基于该确定向客户端设备发送通知。

    SYSTEMS AND METHODS FOR IDENTIFYING AND REMEDYING ACCOUNT ERROR EVENTS IN NETWORKED COMPUTER SYSTEMS
    5.
    发明申请
    SYSTEMS AND METHODS FOR IDENTIFYING AND REMEDYING ACCOUNT ERROR EVENTS IN NETWORKED COMPUTER SYSTEMS 审中-公开
    在网络计算机系统中识别和补救帐户错误事件的系统和方法

    公开(公告)号：US20150379485A1

    公开(公告)日：2015-12-31

    申请号：US14755786

    申请日：2015-06-30

    Applicant: The Toronto-Dominion Bank

    Inventor： Jakub DANIELAK ,  Lauren VAN HEERDEN ,  Gunalan NADARAJAH ,  Orin DEL VECCHIO ,  Paul Mon-Wah CHAN ,  Jonathan K. BARNETT ,  Ashraf METWALLI ,  Matthew HAMILTON ,  Clara BOR ,  Wallace BARBOUR

    IPC: G06Q20/10 ,  G06Q40/06

    CPC classification number: G06Q20/108 ,  G06Q40/06

    Abstract: The disclosed embodiments include methods and system for detecting error events, such as account shortfalls, within networked computer systems operated by the financial institutions and other business. In one aspect, a system includes a memory storing instructions and one or more processors configured to execute the instruction to perform operating, such as receiving a payment request for a payment amount from a first account of a user to a destination account. The operations may also include determining that the first account lacks sufficient funds to cover the payment amount, and determining that the user has pre-approved credit facility secured by a first set of investment holdings of the user that generate revenue that is periodically transferred to the first account. The operations may also include performing a fund transfer operation for the payment amount from the credit line account to the first account.

    Abstract translation: 所公开的实施例包括用于检测由金融机构和其他业务操作的联网计算机系统内的错误事件（例如帐户缺陷）的方法和系统。 一方面，系统包括存储指令的存储器和配置成执行操作的指令的一个或多个处理器，诸如从用户的第一帐户到目的地帐户接收支付金额的支付请求。 操作还可以包括确定第一帐户缺少足够的资金来支付支付金额，以及确定用户具有通过用户的第一组投资持有来保证的预先认可的信用额度，该第一组投资持有产生周期性地转移到 第一个帐号 操作还可以包括从信用额度帐户到第一帐户执行支付金额的资金转帐操作。

    Systems and Methods for Providing Tokenized Transaction Accounts
    6.
    发明申请
    Systems and Methods for Providing Tokenized Transaction Accounts 审中-公开
    提供令牌化交易账户的系统和方法

    公开(公告)号：US20150100495A1

    公开(公告)日：2015-04-09

    申请号：US14510969

    申请日：2014-10-09

    Applicant: The Toronto-Dominion Bank

    Inventor： Hisham I. SALAMA ,  Lauren VAN HEERDEN ,  Orin DEL VECCHIO ,  Paul M. CHAN ,  Jonathan K. BARNETT ,  Jakub DANIELAK

    IPC: G06Q20/38 ,  G06Q20/40

    CPC classification number: G06Q20/405 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q20/38215 ,  G06Q20/3827 ,  G06Q20/3829

    Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.

    Abstract translation: 所公开的实施例包括用于提供标记的交易账户的方法和系统。 在一个实施例中，提供了一种计算机实现的方法，其可以包括由一个或多个处理器从与第一用户相关联的第一交易账户生成第一标记化交易账户。 该方法还可以包括将第一标记化交易账户提供给与第一用户相关联的客户端设备以存储在客户端设备中并在交易中使用。 该方法还可以包括基于一个或多个条件来更新第一标记化交易账户，并将更新的第一标记化交易账户提供给客户端设备，以便在随后的交易中进行存储和使用。

    SYSTEMS AND METHODS FOR PROVIDING SENSOR-BASED LOCATION PROXIMITY DETECTION AND NOTIFICATION
    8.
    发明申请
    SYSTEMS AND METHODS FOR PROVIDING SENSOR-BASED LOCATION PROXIMITY DETECTION AND NOTIFICATION 有权
    用于提供基于传感器的位置临近检测和通知的系统和方法

    公开(公告)号：US20160014564A1

    公开(公告)日：2016-01-14

    申请号：US14794038

    申请日：2015-07-08

    Applicant: The Toronto-Dominion Bank

    Inventor： Orin DEL VECCHIO ,  Lauren VAN HEERDEN ,  Gunalan NADARAJAH ,  Jonathan K. BARNETT ,  Ashraf METWALLI ,  Jakub DANIELAK ,  Michael LOUGHRY ,  Daniel M. SIEGEL ,  Nikolas SAWTSCHUK ,  Sultan MEHRABI ,  Paul Mon-Wah CHAN ,  Matthew HAMILTON ,  Christianne MORETTI ,  John BARBON

    IPC: H04W4/02 ,  G06Q10/10

    CPC classification number: G08G1/205 ,  G06Q10/109 ,  G08G1/20 ,  H04W4/022 ,  H04W4/023

    Abstract: The disclosed embodiments include methods and systems for providing a notification relating to a geographical boundary based on monitored sensor data collected by networked devices. The disclosed embodiments include, for example, a method that monitors positional sensor data received from one or more triggering devices. The method may calculate a first boundary extent delimiting the geographical area of the first boundary based on one or more boundary extent parameters. The method may also detect an occurrence of a triggering condition that impacts a movement of at least one of a client device or at least one of the triggering devices within a geographic region that includes the first location. In response to the detected triggering event, at least one of modified start time or a second location may be established for the event, which may be provided to the client and triggering devices in a notification.

    Abstract translation: 所公开的实施例包括用于基于由网络设备收集的监视的传感器数据提供与地理边界相关的通知的方法和系统。 所公开的实施例包括例如监视从一个或多个触发装置接收的位置传感器数据的方法。 该方法可以基于一个或多个边界范围参数来计算限定第一边界的地理区域的第一边界范围。 该方法还可以检测触发条件的发生，其触发包括第一位置的地理区域内的客户端设备或至少一个触发设备的至少一个的移动。 响应于检测到的触发事件，可以为事件建立修改的启动时间或第二位置中的至少一个，其可以提供给客户端并且触发通知中的设备。

    SYSTEMS AND METHODS FOR AUTHENTICATING USERS OF NETWORKED COMPUTER SYSTEMS BASED ON NON-CREDENTIALED INFORMATION
    9.
    发明申请
    SYSTEMS AND METHODS FOR AUTHENTICATING USERS OF NETWORKED COMPUTER SYSTEMS BASED ON NON-CREDENTIALED INFORMATION 审中-公开
    基于非认证信息认证网络计算机系统用户的系统和方法

    公开(公告)号：US20160012427A1

    公开(公告)日：2016-01-14

    申请号：US14795584

    申请日：2015-07-09

    Applicant: The Toronto-Dominion Bank

    Inventor： Lauren VAN HEERDEN ,  Orin DEL VECCHIO ,  Gunalan NADARAJAH ,  Paul Mon-Wah CHAN ,  Jonathan K. BARNETT ,  Jakub DANIELAK ,  Roisin FRITZ ,  John Jong Suk LEE ,  Hashmi T. SHAKILA

    IPC: G06Q20/38 ,  G06Q50/00 ,  H04L29/06

    CPC classification number: G06Q20/382 ,  G06Q20/3224 ,  G06Q50/01 ,  H04L63/08 ,  H04L63/0853 ,  H04L63/107

    Abstract: The disclosed embodiments include computerized methods and systems for authenticating user identity based on non-credentialed information. For example, in response to a request from a device of a user for a service performable by one or more networked computer systems, the disclosed embodiments may identify one or more public and private sources of non-credentialed information. The disclosed embodiments may also transmit messages to devices of the individuals requesting non-credentialed information associated with the user, and based on the received responses, may verify an identity of the user based on at least a portion of the received non-credentialed information. Further, in some aspects, non-credentialed authentication processes consistent with the disclosed embodiments may reduce an ability of malicious parties to attach or hack into the one or more networked computer systems.

    Abstract translation: 所公开的实施例包括用于基于非认证信息来认证用户身份的计算机化方法和系统。 例如，响应于来自用户的设备对由一个或多个联网的计算机系统可执行的服务的请求，所公开的实施例可以标识一个或多个公有和私有的非认证信息源。 所公开的实施例还可以向请求与用户相关联的非认证信息的个人的设备发送消息，并且基于所接收的响应，可以基于所接收的非认证信息的至少一部分来验证用户的身份。 此外，在一些方面，与公开的实施例一致的非认证认证处理可以降低恶意方附加或攻击到一个或多个联网的计算机系统中的能力。

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