公开(公告)号：US09652798B2

公开(公告)日：2017-05-16

申请号：US14510920

申请日：2014-10-09

Applicant: The Toronto-Dominion Bank

Inventor： Michael E. Globe ,  Mazin Al-Samadi ,  Lauren Van Heerden ,  Gunalan Nadarajah ,  Orin Del Vecchio ,  Michael D. Cummins ,  Prabaharan Sivashanmugam

IPC: G06Q30/06 ,  G06Q30/02 ,  G06Q40/06

CPC classification number: G06Q30/0631 ,  G06Q30/0226 ,  G06Q40/06

Abstract: The disclosed embodiments include, for example, systems and methods for providing recommendations of one or more alternative products to a user based on investment portfolio data. In one aspect, the disclosed embodiments may include a system that is configured to obtain information associated with one or more products of interest to the user. In certain aspects, the obtained information may identify a product previously purchased by the user, one or more products that form a shopping list of the user, and/or a product identified by the user as a potential purchase. The system may be configured to identify one or more alternative products that are similar to the products of interest and that are related to one or more securities associated with an investment portfolio of the user. In one aspect, the system may be configured to generate one or more instructions to transmit information identifying the one or more alternatives product to a device of the user.

公开(公告)号：US10540720B2

公开(公告)日：2020-01-21

申请号：US14504250

申请日：2014-10-01

Applicant: The Toronto-Dominion Bank

Inventor： Michael E. Globe ,  Mazin Al-Samadi ,  Lauren Van Heerden ,  Gunalan Nadarajah ,  Orin Del Vecchio ,  Michael D. Cummins ,  Prabaharan Sivashanmugam

IPC: G06Q40/06 ,  G06Q30/02

Abstract: The disclosed embodiments include systems and methods for administering actual and virtual investment portfolios based on transaction data associated with one or more users. The disclosed embodiments may be configured to modify an investment risk tolerance of a user based on transaction data identifying one or more first products purchased by the user and one or more prior financial services transactions associated with the user. The disclosed embodiments may also be configured to identify one or more first securities based on a portion of the transaction data and the modified investment risk tolerance. In certain aspects, the identified first securities may be related to at least one of the purchased products.