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公开(公告)号：US20170124541A1
公开(公告)日：2017-05-04
申请号：US15286094
申请日：2016-10-05
Applicant: The Toronto-Dominion Bank
Inventor： Garima Aggarwal , Jonathan K. Barnett , Roisin Lara Fritz , Robert Kyle Miller , Paul Mon-Wah Chan , John Jong-Suk Lee , Orin DelVecchio
CPC classification number: G06Q20/102 , G06Q20/085 , G06Q20/145 , G06Q20/40
Abstract: The present disclosure involves systems, software, and computer-implemented methods for implementing a data transfer control based on information received from connected devices. In one instance, operations include loading an expected usage amount for a group of connected devices. Signals representing actual usage amounts associated with the group are received from at least device in the group. The actual usage amounts can be compared to the expected usage amount. An authorization of at least one payment-related action associated with the at least one group of connected devices is automatically transmitted to a payment system in response to determining that the usage amount is less than or equal to the expected amount, and at least one instruction to perform a corrective action associated with the group is automatically transmitted to at least one connected device of the group in response to determining that the actual amount exceeds the expected amount.
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公开(公告)号：US20180082278A1
公开(公告)日：2018-03-22
申请号：US15823182
申请日：2017-11-27
Applicant: THE TORONTO-DOMINION BANK
Inventor： Lori Bristow , Paul Mon-Wah Chan , Jonathan K. Barnett , Orin DelVecchio , Lauren van Heerden
CPC classification number: G06Q20/32 , G06K9/00288 , G06Q20/102 , G06Q20/204 , G06Q20/3224 , G06Q20/4014 , G06Q20/40145
Abstract: The present disclosure involves systems, software, and computer implemented methods for sending payment requests to one or more persons or entities based on images in which the persons or entities appear. In one example, the process may include identifying an image associated with a payment request, the identified image containing at least one recipient associated with the payment request, and wherein the payment request includes a value, analyzing the identified image to identify the at least one potential recipient of the payment request, identifying contact information associated with the at least one identified recipient of the payment request, and sending the payment request to the at least one identified recipient of the payment request via a destination associated with the identified contact information.
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Patent Agency Ranking
公开(公告)号：US09864982B2
公开(公告)日：2018-01-09
申请号：US14529508
申请日：2014-10-31
Applicant: THE TORONTO-DOMINION BANK
Inventor： Lori Bristow , Paul Mon-Wah Chan , Jonathan K. Barnett , Orin DelVecchio , Lauren van Heerden
CPC classification number: G06Q20/32 , G06K9/00288 , G06Q20/102 , G06Q20/204 , G06Q20/3224 , G06Q20/4014 , G06Q20/40145
Abstract: The present disclosure involves systems, software, and computer implemented methods for sending payment requests to one or more persons or entities based on images in which the persons or entities appear. In one example, the process may include identifying an image associated with a payment request, the identified image containing at least one recipient associated with the payment request, and wherein the payment request includes a value, analyzing the identified image to identify the at least one potential recipient of the payment request, identifying contact information associated with the at least one identified recipient of the payment request, and sending the payment request to the at least one identified recipient of the payment request via a destination associated with the identified contact information.
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公开(公告)号：US10853774B2
公开(公告)日：2020-12-01
申请号：US15286094
申请日：2016-10-05
Applicant: The Toronto-Dominion Bank
Inventor： Garima Aggarwal , Jonathan K. Barnett , Roisin Lara Fritz , Robert Kyle Miller , Paul Mon-Wah Chan , John Jong-Suk Lee , Orin DelVecchio
Abstract: The present disclosure involves systems, software, and computer-implemented methods for implementing a data transfer control based on information received from connected devices. In one instance, operations include loading an expected usage amount for a group of connected devices. Signals representing actual usage amounts associated with the group are received from at least device in the group. The actual usage amounts can be compared to the expected usage amount. An authorization of at least one payment-related action associated with the at least one group of connected devices is automatically transmitted to a payment system in response to determining that the usage amount is less than or equal to the expected amount, and at least one instruction to perform a corrective action associated with the group is automatically transmitted to at least one connected device of the group in response to determining that the actual amount exceeds the expected amount.
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公开(公告)号：US10346824B2
公开(公告)日：2019-07-09
申请号：US14927202
申请日：2015-10-29
Applicant: The Toronto-Dominion Bank
Inventor： Paul Mon-Wah Chan , John Jong-Suk Lee , Orin DelVecchio
Abstract: The present disclosure involves systems, software, and computer implemented methods for sending payment requests to one or more persons or entities based on images in which the persons or entities appear. In one example, operations may include identifying a first image associated with a payment request, the identified first image including one or more identifiers of persons, as well as identifying a second image associated with a bill, the bill including one or more line items, each line item associated with a cost. In response to a request to initiate a bill payment split, the bill is presented where at least a portion of the line items are selectable. A selection of at least one line item is received, and a selection of a particular person from the one or more identifiers of persons to be associated with the at least one line items is received. The at least one selected line item is assigned to the selected particular person.
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公开(公告)号：US20170124540A1
公开(公告)日：2017-05-04
申请号：US14927202
申请日：2015-10-29
Applicant: The Toronto-Dominion Bank
Inventor： Paul Mon-Wah Chan , John Jong-Suk Lee , Orin DelVecchio
CPC classification number: G06Q20/32 , G06K9/00288 , G06Q20/102 , G06Q20/204 , G06Q20/3224 , G06Q20/4014 , G06Q20/40145
Abstract: The present disclosure involves systems, software, and computer implemented methods for sending payment requests to one or more persons or entities based on images in which the persons or entities appear. In one example, operations may include identifying a first image associated with a payment request, the identified first image including one or more identifiers of persons, as well as identifying a second image associated with a bill, the bill including one or more line items, each line item associated with a cost. In response to a request to initiate a bill payment split, the bill is presented where at least a portion of the line items are selectable. A selection of at least one line item is received, and a selection of a particular person from the one or more identifiers of persons to be associated with the at least one line items is received. The at least one selected line item is assigned to the selected particular person.
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公开(公告)号：US20160125413A1
公开(公告)日：2016-05-05
申请号：US14926549
申请日：2015-10-29
Applicant: The Toronto-Dominion Bank
Inventor： Jenny Lin , Paul Mon-Wah Chan , Jonathan K. Barnett , Orin DelVecchio
IPC: G06Q20/40
CPC classification number: G06Q20/32 , G06K9/00288 , G06Q20/102 , G06Q20/204 , G06Q20/3224 , G06Q20/4014 , G06Q20/40145
Abstract: The present disclosure involves systems, software, and computer implemented methods for sending payment requests to one or more persons or entities based on images in which the persons or entities appear. In one example, the process may include identifying an image associated with a payment request, the identified image containing at least one recipient associated with the payment request, and wherein the payment request includes a value, analyzing the identified image to identify the at least one potential recipient of the payment request, identifying contact information associated with the at least one identified recipient of the payment request, and sending the payment request to the at least one identified recipient of the payment request via a destination associated with the identified contact information.
Abstract translation: 本公开涉及用于基于人或实体出现的图像向一个或多个人或实体发送支付请求的系统，软件和计算机实现的方法。 在一个示例中，该过程可以包括识别与支付请求相关联的图像，所识别的图像包含与支付请求相关联的至少一个接收者，并且其中支付请求包括值，分析识别的图像以识别至少一个 支付请求的潜在接收者，识别与所述至少一个已识别的支付请求的接收者相关联的联系人信息，以及经由与所识别的联系人信息相关联的目的地将所述支付请求发送到所述支付请求的至少一个识别的接收者。
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