公开(公告)号：US20140337171A1

公开(公告)日：2014-11-13

申请号：US14273500

申请日：2014-05-08

Applicant: The Toronto-Dominion Bank

Inventor： Prabaharan SIVASHANMUGAM ,  Lauren Van Heerden ,  Michael D. Cummins ,  Orin Del Vecchio ,  Gunalan Nadarajah

IPC: G06Q30/06 ,  G06Q20/40

CPC classification number: G06Q30/0609 ,  G06Q20/4016

Abstract: A system, method and computer program product that is capable of determining respective merchant behaviour scores and consumer behaviour scores. Merchant locations (e.g. point of purchase or other geographic or virtual locations), in association with which merchants and consumers conduct transactions, can be used to enhance behaviour scoring capabilities. A merchant location may be attributed a merchant behaviour score such as one determined in accordance with consumer behaviour/financial/risk metrics of consumers who conduct transactions with the location. A specific consumer may be attributed a consumer behaviour score determined in accordance with the respective merchant behaviour scores of locations with which the specific consumer conducts transactions.

Abstract translation: 能够确定各商家行为得分和消费者行为得分的系统，方法和计算机程序产品。 与商家和消费者进行交易相关联的商家位置（例如购买点或其他地理位置或虚拟位置）可用于增强行为评分能力。 商户位置可以归因于商人行为得分，例如根据与该位置进行交易的消费者的消费者行为/金融/风险度量确定的。 特定消费者可以归因于根据特定消费者进行交易的位置的相应商家行为得分确定的消费者行为得分。

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：US20160078534A1

公开(公告)日：2016-03-17

申请号：US14855098

申请日：2015-09-15

Applicant: THE TORONTO-DOMINION BANK

Inventor： Kurt A. SCHILLINGER ,  Kanthimathi CHANDAR ,  Charles John ROBRECHT, III ,  Prabaharan SIVASHANMUGAM

IPC: G06Q40/02

CPC classification number: G06Q40/025

Abstract: A method of transferring a loan involves a primary financial institution server receiving a credit application for a loan. The credit application includes credit application content and further includes credit application meta-data identifying particulars of the credit application. The credit application particulars includes a loan amount. The primary financial institution server is associated with a primary financial institution. The primary financial institution server determines from the credit application meta-data that the credit application is consistent with secondary credit risk requirements associated with a secondary financial institution, registers in a primary loans management database of the primary financial institution a loan in the loan amount, transmits the credit application content to a secondary financial institution server requesting assumption of the loan by the secondary financial institution, and advances funds in the loan amount. The secondary financial institution server is associated with the secondary financial institution.

Abstract translation: 转移贷款的方法涉及接收贷款信用申请的主要金融机构服务器。 信用申请包括信用申请内容，并进一步包括信用申请元数据识别信用申请的细节。 信贷申请资料包括贷款额度。 主要金融机构服务器与主要金融机构相关联。 主要金融机构服务器从信用申请元数据确定信用申请与次级金融机构相关的次级信用风险要求一致，在主要金融机构的主贷款管理数据库中登记贷款贷款额度， 将信用申请内容发送给二级金融机构服务器，要求由二级金融机构申请贷款，并将贷款额度垫付。 二级金融机构服务器与二级金融机构相关联。

公开(公告)号：US20160027009A1

公开(公告)日：2016-01-28

申请号：US14747868

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: G06Q20/40 ,  G06Q20/38 ,  G06Q20/20

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

Abstract: The disclosed embodiments include methods 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：US20150105105A1

公开(公告)日：2015-04-16

申请号：US14508575

申请日：2014-10-07

Applicant: THE TORONTO DOMINION BANK

Inventor： Lauren VAN HEERDEN ,  Michael D. CUMMINS ,  Prabaharan SIVASHANMUGAM ,  Gunalan NADARAJAH ,  Orin DEL VECCHIO

IPC: H04W64/00 ,  H04W8/18 ,  H04W68/04

CPC classification number: H04W64/006 ,  G06F21/316 ,  G06F21/554 ,  H04W4/022 ,  H04W4/027 ,  H04W4/029 ,  H04W4/21 ,  H04W8/18 ,  H04W68/04

Abstract: A method of controlling issuance of alerts involves a server receiving notification of occurrence of an event at an account, saving in an events history the event occurrence, receiving device information from a mobile device associated with the account, and determining a position and/or speed from the device information. The server maintains at least one event definition defining particulars of suspension of notifications of events at an account. Upon the position or speed correlating with one of the event definitions, the server saves in the events history an occurrence of at least one additional event occurring at the account subsequent to the event, and suspends notification of the saved occurrences to the mobile device. The server transmits to the mobile device a notification of the occurrences saved in the events history and clears the events history upon the position and speed no longer correlating with any of the event definitions.

Abstract translation: 一种控制警报发布的方法涉及一种服务器，其接收帐户发生事件的通知，在事件历史中保存事件发生，从与该帐户相关联的移动设备接收设备信息，以及确定位置和/或速度 从设备信息。 服务器维护至少一个事件定义，定义了在帐户上暂停事件通知的详细信息。 在与事件定义之一相关联的位置或速度时，服务器在事件历史中保存在事件之后的帐户处发生的至少一个附加事件的发生，并且暂停向移动设备通知所保存的事件。 服务器向移动设备发送保存在事件历史中的事件的通知，并且在不再与任何事件定义相关联的位置和速度上清除事件历史。

公开(公告)号：US20150348042A1

公开(公告)日：2015-12-03

申请号：US14723331

申请日：2015-05-27

Applicant: The Toronto-Dominion Bank

Inventor： Salim JIVRAJ ,  Lauren VAN HEERDEN ,  Michael D. CUMMINS ,  Prabaharan SIVASHANMUGAM ,  Gerald JESCHKE ,  Andrew CHAK ,  Mike STEPHENSON ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Orin DEL VECCHIO

IPC: G06Q20/40 ,  G06Q20/32

CPC classification number: G06Q20/4016 ,  G06Q20/322

Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.

Abstract translation: 移动通信设备，系统和方法被提供用于在用户执行与商家的交易之前识别与商家相关联的欺诈活动的风险。 在一个实施例中，移动通信设备获得识别与商家相关联的欺诈活动的先前实例的第一信息。 移动通信设备可以基于所获得的第一信息来确定与商家相关联的欺诈活动的风险级别，并且可以基于所确定的风险级别来识别一个或多个支付工具以及适合涉及金融服务交易的金融服务交易的相关激励 商人。 移动通信设备可以在用户和商家之间的交易执行之前向用户呈现包括所识别的支付工具和相关联的激励的通知。