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公开(公告)号：US20240094960A1
公开(公告)日：2024-03-21
申请号：US17947226
申请日：2022-09-19
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Kushank RASTOGI , Thomas Osman KELLY , Pranay Chander GUPTA , Hitesh BAJAJ , Asad JOHEB
IPC: G06F3/06
CPC classification number: G06F3/0655 , G06F3/0604 , G06F3/0673
Abstract: A computer-implemented method is disclosed. The method includes: receiving an initiation request for a data transfer associated with a terminal; determining that a resource external to the first logical storage area should be accessed to complete the data transfer; in response to determining that the resource external to the first logical storage area should be accessed to complete the data transfer, triggering a query message to an electronic device accessible to an entity associated with the first logical storage area, the query message prompting for an instruction to access the resource external to the first logical storage area to complete the transfer; receiving, from the electronic device, an instruction to access the resource external to the first logical storage area to complete the transfer; and in response to receiving the instruction, effecting the transfer using the resource external to the first logical storage area.
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公开(公告)号：US20240054557A1
公开(公告)日：2024-02-15
申请号：US17887820
申请日：2022-08-15
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Kushank RASTOGI
CPC classification number: G06Q40/02 , G06Q20/403 , G06Q20/227
Abstract: In some aspects, a computing system may include a processor. Also, the computing system may include a communications module coupled to the processor. Furthermore, the computing system may include a memory coupled to the processor, the memory storing instructions that, when executed, configure the computing system to: determine a daily positive modifier amount based on an amount of positive adjustments to an account over an extended time period; determine a daily non-discretionary negative modifier amount based on an amount of non-discretionary negative adjustments to the account over the extended time period; determine a daily discretionary amount based on the daily positive modifier amount and the daily non-discretionary negative modifier amount; detect an expected negative modification event; and in response to detect the expected negative modification event, trigger a notification based on the daily discretionary amount.
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公开(公告)号：US20230168832A1
公开(公告)日：2023-06-01
申请号：US18159304
申请日：2023-01-25
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Jonathan Joseph PRENDERGAST , Kushank RASTOGI , Vipul Kishore LALKA , Asad JOHEB
IPC: G06F3/06
CPC classification number: G06F3/0646 , G06F3/0635 , G06F3/0683 , G06F3/0631 , G06F3/0665 , G06F3/0604
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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公开(公告)号：US20230029815A1
公开(公告)日：2023-02-02
申请号：US17388316
申请日：2021-07-29
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Jonathan Joseph PRENDERGAST , Kushank RASTOGI , Vipul Kishore LALKA , Asad JOHEB
Abstract: A computer-implemented method is disclosed. The method includes: receiving a first request to initiate a first resource transfer for transferring a first defined quantity of resources from a transferor data record to a transferee data record; determining that the first resource transfer is of a first type; in response to determining that the first resource transfer is of a first type, performing verification of the transferee data record by: transmitting, to a first server associated with the transferee data record, a second request to initiate a second resource transfer for transferring a second defined quantity of resources from the transferee data record to the transferor data record; receiving, from the first server, a response message associated with the second request, the response message authorizing the second resource transfer; and verifying the transferee data record based on the response message, and after verifying the transferee data record, initiating a third resource transfer for transferring a third defined quantity from the transferor data record to the transferee data record.
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公开(公告)号：US20250106312A1
公开(公告)日：2025-03-27
申请号：US18472902
申请日：2023-09-22
Applicant: The Toronto-Dominion Bank
Inventor： David Samuel TAX , Milos DUNJIC , Pranay GUPTA , Hitesh BAJAJ , Kushank RASTOGI , Abeera AGUIAR
IPC: H04L69/18 , G06Q30/018
Abstract: Systems and methods for the encouragement of environmentally sustainable behaviour are provided. A system may assign, in a second memory, an environmental score to each of a plurality of transfer protocol options. A rank may then be determined for each of the plurality of transfer protocol options based on the assigned environmental scores. In response to detecting an event associated with a first storage location, the system may filter the plurality of transfer protocol options to exclude at least a first transfer protocol option having a relatively low rank. The system may also generate user interface data identifying at least a second transfer protocol option, the second transfer protocol option having a relatively high rank.
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Patent Agency Ranking
公开(公告)号：US20250014082A1
公开(公告)日：2025-01-09
申请号：US18891468
申请日：2024-09-20
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Kushank RASTOGI , Jonathan Joseph PRENDERGAST
IPC: G06Q30/0601 , G06Q50/26
Abstract: According to an aspect there is provided a system that is configured to: detect, based on an output of at least one of the one or more sensors, an entity at the physical premises; authenticating the detected entity by: receiving, from a first system, an indication that authentication has been performed by the first system using a first authentication parameter; obtaining an indication that authentication has been performed by a system that is not the first system using a second authentication parameter; and determining that the detected entity is an authenticated entity based on the indication that the authentication has been performed by the first system and the indication that authentication has been performed by the system that is not the first system. The system may also be configured to perform an operation for the authenticated entity.
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公开(公告)号：US20240121243A1
公开(公告)日：2024-04-11
申请号：US18389969
申请日：2023-12-20
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Kushank RASTOGI , Asad JOHEB , Lisa Marie BAST , Vipul Kishore LALKA
CPC classification number: H04L63/102 , G06F21/31 , G06F21/6209
Abstract: A computer-implemented method is disclosed. The method includes: receiving an authentication request to authenticate a first entity to a service; in response to receiving the authentication request: generating a message for requesting the first entity to initiate a transfer of resources from a first data record; and transmitting the message to a first server that requires user authentication for the first entity to access the message; and generating a response to the authentication request based on a completion status of the requested transfer.
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公开(公告)号：US20230067630A1
公开(公告)日：2023-03-02
申请号：US17464746
申请日：2021-09-02
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Kushank RASTOGI , Jonathan Joseph PRENDERGAST , Asad JOHEB
Abstract: A computer-implemented method is disclosed. The method includes receiving, from a remote system, a transfer message including a transfer quantity and containing metadata regarding the transfer. The system then identifies a main recipient account based on the transfer message and, based on the metadata regarding the transfer, detects a trigger condition. The trigger condition is defined in a handling instruction stored in memory. The handling instruction includes a transfer re-routing action specifying a second recipient account. In response to detecting the trigger condition, the system causes at least a portion of the transfer quantity to be recorded in association with the second recipient account.
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公开(公告)号：US20250156876A1
公开(公告)日：2025-05-15
申请号：US19020096
申请日：2025-01-14
Applicant: The Toronto-Dominion Bank
Inventor： David Samuel TAX , Milos DUNJIC , Kushank RASTOGI
Abstract: A computer-implemented method is disclosed. The method includes: detecting a transaction initiated at a terminal device using the value transfer card; receiving, via the terminal device, input of a first authentication password associated with the value transfer card during a card session that begins when the value transfer card is inserted into the terminal device; identifying at least one first card control setting associated with the first authentication password that defines one or more transaction restrictions; in response to determining that the transaction is not permitted based on the at least one first card control setting: receiving, via the terminal device, input of a second override password associated with the value transfer card during the card session; determining that at least one second card control setting associated with the second override password defines an override condition for disabling the at least one first card control setting for the card session; and processing the transaction based on disabling the at least one first card control setting.
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公开(公告)号：US20230385890A1
公开(公告)日：2023-11-30
申请号：US17824165
申请日：2022-05-25
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Kushank RASTOGI , Jonathan Joseph PRENDERGAST
IPC: G06Q30/06
CPC classification number: G06Q30/0609
Abstract: According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises, a communication module, and a processor coupled to the sensor and the communication module. The ambient commerce system further includes a memory coupled to the processor. The memory stores processor-executable instructions which, when executed, cause the processor to: detect, based on an output of one or more of the sensors, an unauthenticated entity at an ambient commerce premises; receive, from a first independent trusted system and via the communication module, an indication that authentication has been performed by the first independent trusted system for the unauthenticated entity using a first authentication parameter; determine that the entity is an authenticated entity based on the indication that the authentication has been performed and at least a second authentication parameter; and perform an ambient commerce operation for the authenticated entity.
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