公开(公告)号：US20160132670A1

公开(公告)日：2016-05-12

申请号：US14928500

申请日：2015-10-30

Applicant: The Toronto-Dominion Bank

Inventor： Hisham I. SALAMA ,  Paul Mon-Wah CHAN ,  Dino D'AGOSTINO ,  Orin DEL VECCHIO

IPC: G06F21/32 ,  G06K9/00 ,  G06F21/36 ,  H04N5/232

CPC classification number: G06F21/32 ,  G06F21/36 ,  G06K9/00281 ,  G06K9/00288 ,  G06K9/00899 ,  G06K9/00912 ,  G06K2009/00953 ,  H04N5/23293 ,  H04N21/41407 ,  H04N21/4223 ,  H04N21/44008 ,  H04N21/4753

Abstract: The disclosed embodiments include computerized methods and systems that facilitate two-factor authentication of a user based on a user-defined image and information identifying portions of the image sequentially selected by the user. In one aspect, a communications device presents a first digital image of a first user on a touchscreen display. The communications device may receive, from the first user, information identifying portions of the first digital image selected in accordance with a candidate authentication sequence established by the first user. The selected first image portions may, for example, be associated with corresponding facial features of the first user. The communications device may determine whether the candidate authentication sequence matches a reference authentication sequence associated with the first digital image, and may authenticate an identity of the first user, when the first selection sequence is determined to match the second selection sequence.

Abstract translation: 所公开的实施例包括基于用户定义的图像促进用户的双因素认证的计算机化方法和系统，以及识别由用户顺序选择的图像的部分的信息。 在一个方面，通信设备在触摸屏显示器上呈现第一用户的第一数字图像。 通信设备可以从第一用户接收识别根据由第一用户建立的候选认证序列选择的第一数字图像的部分的信息。 所选择的第一图像部分可以例如与第一用户的相应面部特征相关联。 通信设备可以确定候选认证序列是否与第一数字图像相关联的参考认证序列匹配，并且当确定第一选择序列与第二选择序列匹配时，可以认证第一用户的身份。

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。

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。

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。

公开(公告)号：US20170124558A1

公开(公告)日：2017-05-04

申请号：US15286734

申请日：2016-10-06

Applicant: The Toronto-Dominion Bank

Inventor： Matthew Randolph Molnar ,  Jonathan K. BARNETT ,  John Jong Suk LEE ,  Paul Mon-Wah CHAN ,  Orin DEL VECCHIO

IPC: G06Q20/38 ,  G06Q20/40 ,  H04L9/32 ,  G06Q20/10 ,  H04W12/06 ,  H04L29/06

CPC classification number: G06Q20/3829 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q40/025 ,  H04L9/0891 ,  H04L9/3213 ,  H04L9/3226 ,  H04L63/08 ,  H04L63/0807 ,  H04L2209/56 ,  H04L2463/102 ,  H04W12/06

Abstract: A message processing server includes a message processor and a database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The first layer includes a first data pointer. A primary layer includes the first layer and identifies a reference data value. The message processor receives from a communications device an authentication request identifying a first data value, validates the authentication request from the first data value and the reference data value configured in one of the multi-layer tokens, receives a first authorization message including a first cryptographic key, derives a first decrypted data layer from the first cryptographic key and the first encrypted data layer of the one multi-layer token, and validates the first data pointer by receiving confirmation of the first data pointer pointing to a database entry comprising a second data value less than the reference data value.

公开(公告)号：US20170046664A1

公开(公告)日：2017-02-16

申请号：US14936833

申请日：2015-11-10

Applicant: The Toronto-Dominion Bank

Inventor： Perry HALDENBY ,  Rajan MAHADEVAN ,  John Jong Suk LEE ,  Paul Mon-Wah CHAN ,  Orin DEL VECCHIO

IPC: G06Q20/06 ,  G06Q20/38

CPC classification number: G06Q20/0655 ,  G06F21/62 ,  G06F21/645 ,  G06Q10/0631 ,  G06Q10/063114 ,  G06Q10/08 ,  G06Q10/103 ,  G06Q10/1097 ,  G06Q20/065 ,  G06Q20/102 ,  G06Q20/367 ,  G06Q20/3829 ,  G06Q20/401 ,  G06Q20/4016 ,  G06Q20/405 ,  G06Q30/0214 ,  G06Q40/08 ,  G06Q40/128 ,  G06Q50/08 ,  G06Q50/18 ,  G06Q2220/00 ,  G06Q2220/10 ,  G06Q2230/00 ,  H04L9/0816 ,  H04L9/0861 ,  H04L9/0891 ,  H04L9/0894 ,  H04L9/3247 ,  H04L63/0435 ,  H04L63/0442 ,  H04L63/061 ,  H04L63/062 ,  H04L63/08 ,  H04L63/0876 ,  H04L63/12 ,  H04L2209/24 ,  H04L2209/38 ,  H04L2209/56 ,  H04N5/913 ,  H04N2005/91342 ,  Y02P90/86 ,  Y04S10/54

Abstract: The disclosed embodiments include computerized systems and methods that generate secured blockchain-based ledger structures that facilitate event-based control of tracked assets. In one embodiment, an apparatus associated with a centralized authority of the secured blockchain-based ledger may detect an occurrence of an event, and may access and decrypt a set of rules hashed into the secured blockchain-based ledger using a confidentially-held master cryptographic key. The apparatus may identify a rule associated with the detected event, and perform one or more operations consistent with the rule and involving at least one of assets tracked within the secured blockchain-based ledger or an owner of a portion of the tracked assets. By way of example, the detected event may triggering a sale, transfer, and/or re-allocation of an ownership interest in a tracked asset, and the identified rule may specify a distribution of proceeds derived from the sale, transfer, and/or re-allocation.

Abstract translation: 所公开的实施例包括计算机化的系统和方法，其生成有助于基于事件的跟踪资产控制的基于块链的分类帐结构。 在一个实施例中，与基于安全的基于块链的分类帐的集中式权限相关联的装置可以检测事件的发生，并且可以使用保密的主密码来访问和解密一组规则散列到基于安全的基于块链的分类帐中 键。 该装置可以识别与检测到的事件相关联的规则，并且执行与该规则相一致的一个或多个操作，并且涉及在基于安全的块链的分类帐内跟踪的资产中的至少一个资产或被跟踪资产的一部分的所有者。 举例来说，检测到的事件可能触发对所跟踪的资产的所有者权益的销售，转移和/或重新分配，并且所识别的规则可以指定从销售，转移和/或 重新分配。

公开(公告)号：US20170039645A1

公开(公告)日：2017-02-09

申请号：US14874202

申请日：2015-10-02

Applicant: The Toronto-Dominion Bank

Inventor： Bruno SANDRE ,  Matthew HAMILTON ,  Jonathan K. BARNETI ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Orin DEL VECCHIO

IPC: G06Q40/04 ,  G06Q50/00 ,  H04L12/24 ,  H04L29/08 ,  H04L12/58

CPC classification number: G06Q40/04 ,  G06Q40/06 ,  G06Q50/01 ,  H04L41/22 ,  H04L51/32 ,  H04L63/083 ,  H04L63/101 ,  H04L63/102 ,  H04L63/126 ,  H04L67/12 ,  H04L67/306

Abstract: The disclosed embodiments include computerized methods and systems that facilitate automate trade-order entry and execution based on social media messaging. In an embodiment, an apparatus identifies a first social media message associated with a social networking account of a user and including at least one parameter of a transaction to purchase or sell one or more securities. The apparatus may generate proposed transaction parameters that include the at least one transaction parameter included in the first social media message, and may obtain information confirming the proposed transaction parameters from the user. In response to the confirmation, the apparatus may generate one or more electronic commands to initiate the transaction to purchase or sell the one or more securities in accordance with the confirmed transaction parameters.

Abstract translation: 所公开的实施例包括促进基于社交媒体消息传送的自动交易订单输入和执行的计算机化方法和系统。 在一个实施例中，装置识别与用户的社交网络帐户相关联的第一社交媒体消息，并且包括交易的至少一个参数来购买或销售一个或多个证券。 该装置可以生成包括第一社交媒体消息中包括的至少一个交易参数的建议交易参数，并且可以从用户获得确认所提出的交易参数的信息。 响应于该确认，该装置可以产生一个或多个电子命令以根据所确认的交易参数开始交易以购买或出售一个或多个证券。

公开(公告)号：US20160028715A1

公开(公告)日：2016-01-28

申请号：US14747895

申请日：2015-06-23

Applicant: The Toronto-Dominion Bank

Inventor： Prabaharan SIVASHANMUGAM ,  Lauren VAN HEERDEN ,  Michael D. CUMMINS ,  Orin DEL VECCHIO ,  Gunalan NADARAJAH ,  Edward LOUNSBURY ,  Paul Mon-Wah CHAN ,  Jonathan K. BARNETT ,  Ashraf METWALLI ,  Jakub DANIELAK

IPC: H04L29/06

CPC classification number: G06Q20/401 ,  G06Q20/202 ,  G06Q20/38215 ,  H04L63/083 ,  H04L63/0861

Abstract: The disclosed embodiments include methods, systems, system terminals, and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction. The method may also include providing, by the one or more processors, the validation information to the authentication network.

Abstract translation: 所公开的实施例包括用于认证用户的方法，系统，系统终端和销售点终端。 所公开的实施例包括例如用于由一个或多个处理器接收来自认证网络的认证数据的方法，所述认证数据包括识别与认证伙伴系统相关联的认证交易的认证代码。 所述方法还可以包括通过所述一个或多个处理器验证所述认证数据，所述验证包括将所述认证数据与对应于与所述用户相关联的先前认证事件的验证数据进行比较。 所述方法还可以包括由所述一个或多个处理器基于所述验证​​生成所述验证信息，所述验证信息包括是否验证所述认证交易的用户的确定。 所述方法还可以包括由所述一个或多个处理器将所述验证信息提供给所述认证网络。

公开(公告)号：US20160019640A1

公开(公告)日：2016-01-21

申请号：US14802973

申请日：2015-07-17

Applicant: THE TORONTO-DOMINION BANK

Inventor： Jonathan K. BARNETT ,  Lauren VAN HEERDEN ,  Orin DEL VECCHIO ,  Gunalan NADARAJAH ,  John BARBON ,  Paul Mon-Wah CHAN ,  Jakub DANIELAK ,  Christianne MORETTI ,  Matthew HAMILTON

IPC: G06Q40/02 ,  G06F17/30

CPC classification number: G06Q40/02

Abstract: A method and system for recommending a physical location at which to complete an electronic activity are disclosed. In some examples, initiation of the electronic activity by a user at a first physical location is detected, that the electronic activity is to be completed at a physical location different from the first physical location is determined, one or more portions of the electronic activity that remain incomplete are determined, a second physical location at which to complete the one or more incomplete portions of the electronic activity is identified, and information about the electronic activity is provided to the second physical location. In some examples, the identification of the second physical location is based on at least characteristics of the electronic activity, the user, and/or the second physical location.

Abstract translation: 公开了一种用于推荐完成电子活动的物理位置的方法和系统。 在一些示例中，检测用户在第一物理位置处的电子活动的启动，确定电子活动将在与第一物理位置不同的物理位置处完成，电子活动的一个或多个部分 确定不完整，识别完成电子活动的一个或多个不完整部分的第二物理位置，并且将关于电子活动的信息提供给第二物理位置。 在一些示例中，第二物理位置的识别至少基于电子活动，用户和/或第二物理位置的特征。

公开(公告)号：US20150379644A1

公开(公告)日：2015-12-31

申请号：US14755740

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: G06Q40/06 ,  G06Q20/10

CPC classification number: G06Q20/108 ,  G06Q40/06

Abstract: The disclosed embodiments include computerized methods and system for detecting error events, such as account shortfalls, within networked computer systems operated by the financial institutions and other business entities. 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 a credit line account 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实体操作的联网计算机系统内的错误事件（例如帐户缺陷）的计算机化方法和系统。 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，以及确定用户已经预先批准了通过用户的第一组投资持有来保证的信用额度帐户，该账户产生周期性转移的收入 到第一个帐户。 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。