公开(公告)号：US20180095956A1

公开(公告)日：2018-04-05

申请号：US15720414

申请日：2017-09-29

Applicant: The Toronto-Dominion Bank

Inventor： Nasim SARIR ,  John William THOMAS ,  Simona HEATH ,  Diane LEE ,  Richard THOMAS

IPC: G06F17/30 ,  H04W12/06 ,  H04W12/08 ,  G06Q20/38 ,  G06Q30/04

CPC classification number: G06F21/629 ,  G06F3/0482 ,  G06F3/0484 ,  G06F3/0488 ,  G06F3/14 ,  G06F11/3006 ,  G06F11/3089 ,  G06F16/23 ,  G06F16/24554 ,  G06F16/2462 ,  G06F16/435 ,  G06F16/93 ,  G06F21/53 ,  G06Q10/06316 ,  G06Q10/087 ,  G06Q10/105 ,  G06Q10/1097 ,  G06Q20/00 ,  G06Q20/102 ,  G06Q20/14 ,  G06Q20/38 ,  G06Q30/04 ,  G06Q50/22 ,  H04L67/1097 ,  H04L67/22 ,  H04W12/06 ,  H04W12/08

Abstract: An entity computing system for retrieving and consolidating data associated with a plurality of records for transmission to a second entity computing system is described. The entity computing system comprises a memory storing computer-executable instructions and at least one processing device. The processing device(s) receive request(s) to retrieve and consolidate data from multiple data sources associated with multiple records. The request comprises an apportionment rule indicating data to be retrieved from each of the data sources and consolidated for transmission to the second entity computing system via a secure network. The record(s) and data source(s) associated with the entity computing system are determined. Data in respect of the data source(s) associated with the entity computing system is retrieved according to the apportionment rule, stored in a consolidated data source and transmitted for receipt by the second entity computing system. Related computer-readable media and methods are also described.

公开(公告)号：US20210082040A1

公开(公告)日：2021-03-18

申请号：US16571641

申请日：2019-09-16

Applicant: The Toronto-Dominion Bank

Inventor： Christopher Mark JONES ,  Nasim SARIR ,  Marc CHALIFOUX ,  Sara KNECHTEL ,  Mohammad Fahad KHAN

IPC: G06Q40/02 ,  G06Q20/26

Abstract: A method of processing a value transfer by a computer system may include obtaining an amount of a value transfer to be made using a primary transfer source. Responsive to determining that an available transfer quantity associated with the primary transfer source for effectuating the value transfer is less than the amount of the value transfer, a selectable option to use an existing secondary transfer source for effectuating at least a portion of the instructed value transfer is provided. Responsive to receiving, based on the selectable option to use the existing secondary transfer source for effectuating at least the at least a portion of the instructed value transfer, a transfer of value using the existing secondary transfer source for effectuating the at least a portion of the instructed value transfer is initiated. Related computer systems and methods are also disclosed.

公开(公告)号：US20200301662A1

公开(公告)日：2020-09-24

申请号：US16898075

申请日：2020-06-10

Applicant: The Toronto-Dominion Bank

Inventor： Nasim SARIR ,  Steven GERVAIS ,  Peter HORVATH ,  Ekas Kaur RAI ,  Peter John ALEXANDER ,  Arun Victor JAGGA

IPC: G06F3/16 ,  G06F9/451 ,  H04L29/06

Abstract: Methods and systems for transferring a user session between at least two electronic devices are described. The user session is conducted as an audible session via an audible interface provided by a primarily audible first electronic device. Input data is received from the audible interface, wherein the input data causes the audible interface to progress through audible interface states. A current audible interface state is mapped to a visual interface state defined for a visual interface. The mapped visual interface state is pushed to a second electronic device having a visual output device for displaying the visual interface, to enable the user session to be continued as a visual session on the second electronic device.

公开(公告)号：US20230065483A1

公开(公告)日：2023-03-02

申请号：US17942581

申请日：2022-09-12

Applicant: The Toronto-Dominion Bank

Inventor： Nasim SARIR ,  Steven GERVAIS ,  Peter HORVATH ,  Ekas Kaur RAI ,  Peter John ALEXANDER ,  Arun Victor JAGGA

IPC: G06F3/16 ,  G06F3/04817 ,  G06F3/0482

Abstract: Methods and systems for transferring a user session between at least two electronic devices are described. The user session is conducted as an audible session via an audible interface provided by a primarily audible first electronic device. Input data is received from the audible interface, wherein the input data causes the audible interface to progress through audible interface states. An interaction may be determined to be sensitive or non-intuitive based on a logic rule or based on tracking interactions in the user session. A current audible interface state is mapped to a visual interface state defined for a visual interface. The mapped visual interface state is pushed to a second electronic device having a visual output device for displaying the visual interface, to enable the user session to be continued as a visual session on the second electronic device.

公开(公告)号：US20210103621A1

公开(公告)日：2021-04-08

申请号：US16592851

申请日：2019-10-04

Applicant: The Toronto-Dominion Bank

Inventor： Nasim SARIR ,  Mei HU ,  Yanfang ZHANG

IPC: G06F16/951 ,  G06F16/9535 ,  G06F16/332 ,  G06F16/248 ,  G06F16/2457 ,  H04L29/08

Abstract: A method for providing a dynamic user interface for navigating user account data is disclosed. The method includes: performing a first data transfer from a user account; updating an interaction model for the user account based on the first data transfer; receiving, from a client device associated with the user account, a query having at least one query term; determining, based on the interaction model and the at least one query term, that the query maps to a user intent associated with the first data transfer; and in response to determining that the query maps to a user intent associated with the first data transfer, providing, to the client device, a search result based on the first data transfer.

公开(公告)号：US20200057602A1

公开(公告)日：2020-02-20

申请号：US16104302

申请日：2018-08-17

Applicant: The Toronto-Dominion Bank

Inventor： Nasim SARIR ,  Steven GERVAIS ,  Peter HORVATH ,  Ekas Kaur RAI ,  Peter John ALEXANDER ,  Arun Victor JAGGA

IPC: G06F3/16 ,  H04L29/06 ,  G06F9/451

Abstract: Methods and systems for transferring a user session between at least two electronic devices are described. The user session is conducted as an audible session via an audible interface provided by a primarily audible first electronic device. Input data is received from the audible interface, wherein the input data causes the audible interface to progress through audible interface states. A current audible interface state is mapped to a visual interface state defined for a visual interface. The mapped visual interface state is pushed to a second electronic device having a visual output device for displaying the visual interface, to enable the user session to be continued as a visual session on the second electronic device.

公开(公告)号：US20210357181A1

公开(公告)日：2021-11-18

申请号：US17390824

申请日：2021-07-30

Applicant: The Toronto-Dominion Bank

Inventor： Nasim SARIR ,  Steven GERVAIS ,  Peter HORVATH ,  Ekas Kaur RAI ,  Peter John ALEXANDER ,  Arun Victor JAGGA

IPC: G06F3/16 ,  G06F3/0481 ,  G06F3/0482

Abstract: Methods and systems for transferring a user session between at least two electronic devices are described. The user session is conducted as an audible session via an audible interface provided by a primarily audible first electronic device. Input data is received from the audible interface, wherein the input data causes the audible interface to progress through audible interface states. An interaction may be determined to be sensitive or non-intuitive based on a logic rule or based on tracking interactions in the user session. A current audible interface state is mapped to a visual interface state defined for a visual interface. The mapped visual interface state is pushed to a second electronic device having a visual output device for displaying the visual interface, to enable the user session to be continued as a visual session on the second electronic device.

公开(公告)号：US20210304162A1

公开(公告)日：2021-09-30

申请号：US17344398

申请日：2021-06-10

Applicant: The Toronto-Dominion Bank

Inventor： Nasim SARIR ,  Steven GERVAIS ,  Christopher Mark JONES ,  Jonathan Joseph PRENDERGAST ,  John William THOMAS ,  Michael Thomas DELAVEAGA

IPC: G06Q20/10 ,  G06Q40/02 ,  G06Q20/32 ,  G06Q20/14 ,  G06Q30/04

Abstract: A method may include: sending a first signal representing a message identifying an entity from a server computer system to a resource usage tracking server; in response to the message, receiving, from the resource usage tracking server, a second signal representing historical resource usage data for the entity; identifying a first data transfer recipient associated with the historical resource usage data for the entity by using a database of supported data transfer recipients; sending a third signal, the third signal causing a client device associated with the entity to display a selectable option for data transfer to the identified first data transfer recipient; receiving a fourth signal, the fourth signal indicating selection of the selectable option for data transfer to the identified first data transfer recipient; and in response to receiving the fourth signal, configuring an account associated with the entity based on the first data transfer recipient.

公开(公告)号：US20210149628A1

公开(公告)日：2021-05-20

申请号：US17155591

申请日：2021-01-22

Applicant: The Toronto-Dominion Bank

Inventor： Nasim SARIR ,  Steven GERVAIS ,  Peter HORVATH ,  Ekas Kaur RAI ,  Peter John Alexander ,  Arun Victor JAGGA

IPC: G06F3/16 ,  G06F3/0481 ,  G06F3/0482

Abstract: Methods and systems for transferring a user session between at least two electronic devices are described. The user session is conducted as an audible session via an audible interface provided by a primarily audible first electronic device. Input data is received from the audible interface, wherein the input data causes the audible interface to progress through audible interface states. A current audible interface state is mapped to a visual interface state defined for a visual interface. The mapped visual interface state is pushed to a second electronic device having a visual output device for displaying the visual interface, to enable the user session to be continued as a visual session on the second electronic device.

公开(公告)号：US20230273963A1

公开(公告)日：2023-08-31

申请号：US18310569

申请日：2023-05-02

Applicant: The Toronto-Dominion Bank

Inventor： Nasim SARIR ,  Mei HU ,  Yanfang ZHANG

IPC: G06F16/951 ,  G06F16/9535 ,  H04L67/306 ,  G06F16/248 ,  G06F16/2457 ,  G06F16/332

CPC classification number: G06F16/951 ,  G06F16/9535 ,  H04L67/306 ,  G06F16/248 ,  G06F16/24578 ,  G06F16/3322

Abstract: A processor-implemented method is disclosed. The method may include: performing a first data transfer for transferring data from a user account to a recipient account; updating an interaction model for the user account based on the first data transfer, the interaction model including definitions of user intents associated with account operations that are initiated in connection with the user account and arguments associated with the user intents, and wherein updating the interaction model comprises: configuring the interaction model to support at least one of a new user intent for transferring data from the user account or a new argument for an existing user intent defined in the interaction model; receiving, from a client device associated with the user account, a query having at least one query term; determining, based on the updated interaction model and the at least one query term, that the query maps to a user intent, defined in the updated interaction model, that is associated with the first data transfer; and in response to determining that the query maps to the user intent associated with the first data transfer, providing, to the client device for display thereon, an actionable search result for initiating a second account operation based on the first data transfer.