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    Assisted Channel Credit Applications with Automatic Integration into Digital Wallets
    1.
    发明公开
    Assisted Channel Credit Applications with Automatic Integration into Digital Wallets 审中-公开

    公开(公告)号：US20240362709A1

    公开(公告)日：2024-10-31

    申请号：US18767513

    申请日：2024-07-09

    Applicant: The Toronto-Dominion Bank

    Inventor： Adrian Bloy ,  Morgan Klein-MacNeil ,  Alan Tam ,  Trevor Ross Gimbel ,  Julianne Helen Fong

    IPC: G06Q40/03 ,  G06Q20/36

    CPC classification number: G06Q40/03 ,  G06Q20/3672

    Abstract: The present disclosure involves systems, software, and computer-implemented methods for providing assisted channel credit application completion for customers, where approval of the credit application results in an automatic integration of payment credentials into a corresponding digital wallet. One example method includes receiving, via an assisted channel user terminal, a request to apply for a new credit account for a customer. Input into a digital credit application is input by an employee or teller on behalf of the customer. A credit adjudication process is performed on the application, and, in response to approval, a new credit account associated with the customer and corresponding payment information is created. A system to which the set of payment information is to be provided is identified, and the set of payment information associated with the new credit account is transmitted to those systems to be automatically integrated into those systems' digital wallets.

    Integrated credit application and merchant transaction including concurrent visualization of transaction details
    2.
    发明授权
    Integrated credit application and merchant transaction including concurrent visualization of transaction details 有权

    公开(公告)号：US11636453B2

    公开(公告)日：2023-04-25

    申请号：US17650801

    申请日：2022-02-11

    Applicant: The Toronto-Dominion Bank

    Inventor： Adrian Bloy ,  Morgan Klein-MacNeil ,  Alan Tam ,  Trevor Ross Gimbel ,  Julianne Helen Fong ,  Sonali Suresh Nagarkar

    IPC: G06Q20/10 ,  G06Q20/24 ,  G06Q20/38

    Abstract: The present disclosure involves systems, software, and computer-implemented methods for integrating immediate credit application processes and decisions via a financial institution into ongoing transactions performed at a merchant system. One example method includes receiving a request for new credit account associated with an ongoing transaction at a second system, the request associated with a transaction payload including a session ID and a set of transaction information. A digital credit application is presented, and at least some of the set of transaction information is presented concurrently with the digital credit application. In response to approving the credit application, a new account is generated, a user is redirected back to the merchant system using the session ID, and the credit account information is securely transmitted back to the merchant. The state of the ongoing transaction is restored, and the new payment information is used to complete the transaction.

    AUTOMATIC GENERATION AND TRACKING OF ACQUISITION IDS AND PRODUCT SOURCES
    4.
    发明申请
    AUTOMATIC GENERATION AND TRACKING OF ACQUISITION IDS AND PRODUCT SOURCES 有权

    公开(公告)号：US20210224746A1

    公开(公告)日：2021-07-22

    申请号：US16748137

    申请日：2020-01-21

    Applicant: The Toronto-Dominion Bank

    Inventor： Adrian Bloy ,  Morgan Klein-MacNeil

    IPC: G06Q10/10 ,  G06Q30/02 ,  G06Q40/02 ,  G06Q30/06 ,  G06F16/22 ,  H04L29/06 ,  H04L29/08

    Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically generating acquisition IDs and using them to track and record how products are identified, offered, and sold, as well as how customers respond to particular variations of product offers. The acquisition ID can be associated with any product sale, transaction completion, or account creation initiated using or otherwise identifying or associated with the acquisition ID, where the connection to the acquisition ID can be maintained and retained with ongoing records associated with the interaction and created account, transaction, and/or product purchase. Using the stored information and the acquisition IDs, an organization can precisely determine what products were sold using which marketing tactic, campaign, or channel through which the transaction occurred and/or was initiated, among others.

    Assisted channel credit applications with automatic integration into digital wallets
    6.
    发明授权
    Assisted channel credit applications with automatic integration into digital wallets 有权

    公开(公告)号：US12062089B2

    公开(公告)日：2024-08-13

    申请号：US16670601

    申请日：2019-10-31

    Applicant: The Toronto-Dominion Bank

    Inventor： Adrian Bloy ,  Morgan Klein-MacNeil ,  Alan Tam ,  Trevor Ross Gimbel ,  Julianne Helen Fong

    IPC: G06Q40/03 ,  G06Q20/36

    CPC classification number: G06Q40/03 ,  G06Q20/3672

    Abstract: The present disclosure involves systems, software, and computer-implemented methods for providing assisted channel credit application completion for customers, where approval of the credit application results in an automatic integration of payment credentials into a corresponding digital wallet. One example method includes receiving, via an assisted channel user terminal, a request to apply for a new credit account for a customer. Input into a digital credit application is input by an employee or teller on behalf of the customer. A credit adjudication process is performed on the application, and, in response to approval, a new credit account associated with the customer and corresponding payment information is created. A system to which the set of payment information is to be provided is identified, and the set of payment information associated with the new credit account is transmitted to those systems to be automatically integrated into those systems' digital wallets.

    Automatic generation and tracking of acquisition IDs and product sources
    8.
    发明授权
    Automatic generation and tracking of acquisition IDs and product sources 有权

    公开(公告)号：US11521228B2

    公开(公告)日：2022-12-06

    申请号：US16748322

    申请日：2020-01-21

    Applicant: The Toronto-Dominion Bank

    Inventor： Adrian Bloy ,  Morgan Klein-MacNeil

    IPC: G06Q30/00 ,  G06Q30/02

    Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically generating acquisition IDs and using them to track and record how products are identified, offered, and sold, as well as how customers respond to particular variations of product offers. The acquisition ID can be associated with any product sale, transaction completion, or account creation initiated using or otherwise identifying or associated with the acquisition ID, where the connection to the acquisition ID can be maintained and retained with ongoing records associated with the interaction and created account, transaction, and/or product purchase. Using the stored information and the acquisition IDs, an organization can precisely determine what products were sold using which marketing tactic, campaign, or channel through which the transaction occurred and/or was initiated, among others.

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