公开(公告)号：US20180331929A1

公开(公告)日：2018-11-15

申请号：US15594912

申请日：2017-05-15

Applicant: The Toronto-Dominion Bank

Inventor： Rajeev Kumar GANDHI ,  Julie Anne CASSIDY ,  Ann Cynthia EAPEN ,  John Jong-Suk LEE ,  Rakesh Thomas JETHWA

IPC: H04L12/26 ,  H04L29/08 ,  H04W24/08

CPC classification number: H04L43/0876 ,  H04L12/14 ,  H04L43/045 ,  H04L43/0894 ,  H04L67/36 ,  H04M15/00 ,  H04M15/58 ,  H04M15/59 ,  H04M15/8083 ,  H04M15/83 ,  H04M15/853 ,  H04W24/08

Abstract: The present application provides monitoring and managing usage of one or more network-connected devices over a network. The network-connected devices may include devices connected to the Internet of Things (IoT). Some aspects provide systems, methods and computing devices for: receiving usage and rate data associated with network-connected device(s); determining device expenditure data based on the usage and rate data; obtaining allocation information pertaining to a time period; updating information associated with one or more data files with the device expenditure data; comparing the updated information to the allocation information; and determining whether an allocation indicated by the allocation information for the time period is feasible.

公开(公告)号：US20210374738A1

公开(公告)日：2021-12-02

申请号：US17400794

申请日：2021-08-12

Applicant: The Toronto-Dominion Bank

Inventor： Rajeev Kumar GANDHI ,  Noemi COLMENAR-MIRANDA ,  Danielle PINNOCK ,  William Joseph McLELLAN ,  Richard Titus SZVATH ,  Liliya KAMINSKAYA ,  Jennifer AMARAL

IPC: G06Q20/40 ,  G06Q20/34 ,  G06Q40/02 ,  G06Q20/24

Abstract: An authorization control network includes at least one computer server. The server(s) receives a cardholder credential and a profile modification request from a communications device, and determines an account attribute by querying a profile database with an account identifier. The server(s) rejects the modification request if the server determines from the account attribute that a limit profile associated with the account identifier is linked to a cardholder credential other than the received cardholder credential. The server(s) then receives from a POS device an authorization request that includes the account identifier and an authorization value. If the server(s) determines that the authorization value does not exceed a limit value saved in the limit profile and does not exceed a credit amount associated with the account identifier in a transactions database, the server(s) generates an authorization response confirming authorization of the authorization value, and transmits the authorization response to the POS device.

公开(公告)号：US20180101902A1

公开(公告)日：2018-04-12

申请号：US15290528

申请日：2016-10-11

Applicant: The Toronto-Dominion Bank

Inventor： Rajeev Kumar GANDHI ,  Robert Kyle MILLER ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Rakesh Thomas JETHWA

IPC: G06Q40/02 ,  G06F3/0484 ,  G06F3/0486

CPC classification number: G06Q40/02 ,  G06F3/0482 ,  G06F3/04847 ,  G06F3/0486

Abstract: A device and method for management of an account. An event placement timeline is displayed. Account events are shown along the timeline. A preferred event time range or “safe zone” is shown along the timeline. The “safe zone” is the portion of the month during which it is safe to schedule certain events, like bill payments, with lower risk of NSF, overdraft or the like. The user moves a movable object into the “safe zone” to reschedule the account event in the “safe zone”, and the settings of the account are modified to automatically execute the account event at that time.

公开(公告)号：US20230368199A1

公开(公告)日：2023-11-16

申请号：US18223758

申请日：2023-07-19

Applicant: The Toronto-Dominion Bank

Inventor： Rajeev Kumar GANDHI ,  Noemi COLMENAR-MIRANDA ,  Danielle PINNOCK ,  William Joseph McLELLAN ,  Richard Titus SZVATH ,  Liliya KAMINSKAYA ,  Jennifer AMARAL

IPC: G06Q20/40 ,  G06Q20/34 ,  G06Q20/24 ,  G06Q40/02 ,  G06Q40/03

CPC classification number: G06Q20/40 ,  G06Q20/4093 ,  G06Q20/354 ,  G06Q20/24 ,  G06Q40/02 ,  G06Q40/03 ,  G06F16/162

Abstract: An authorization control network includes a limit profile database and at least one computer server. The server(s) receives an account identifier and a datum from a communications device, and associates the datum with the account identifier in a limit profile record of the limit profile database. The server(s) also receives the account identifier and a transaction limit, and associates the transaction limit with the account identifier in the limit profile record. The server(s) then receives from a POS device an authorization request that includes the account identifier and an authorization amount. If the server(s) confirms that the authorization amount does not exceed the transaction limit that is associated with the account identifier in the limit profile record and does not exceed an available credit limit that is associated with the account identifier, the server(s) transmits to the POS device an authorization response that confirms authorization of the authorization amount.

公开(公告)号：US20200058068A1

公开(公告)日：2020-02-20

申请号：US16105132

申请日：2018-08-20

Applicant: The Toronto-Dominion Bank

Inventor： Rajeev Kumar GANDHI ,  Robert Kyle MILLER ,  Kushank RASTOGI ,  David Samuel TAX ,  Milos DUNJIC ,  Arthur Carroll CHOW ,  Armon ROUHANI ,  Maryam KARBASI ,  Kamana TRIPATHI ,  John Jong-Suk LEE ,  Arun Victor JAGGA

IPC: G06Q40/02 ,  G06Q20/32 ,  G06F15/18

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, dynamically provision and initiate exchanges of data between network-connected devices and systems based on aggregated contextual information. For example, a network-connected apparatus may obtain (i) first data identifying first exchanges of data initiated during a first temporal interval, (ii) second data identifying a current parameter value of the first data exchanges, and (iii) third data identifying a status of an account involved in the first data exchanges. Based on the first, second, and third data, the apparatus may compute a value indicative of a probability of an initiation of a second data exchange involving the account during a second temporal interval. Further, when the computed value is consistent with an alert criterion, the apparatus may transmit alert data characterizing the second data exchange to a device for display within an interface.

公开(公告)号：US20190392515A1

公开(公告)日：2019-12-26

申请号：US16560288

申请日：2019-09-04

Applicant: The Toronto-Dominion Bank

Inventor： Rajeev Kumar GANDHI ,  Robert Kyle MILLER ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Rakesh Thomas JETHWA

IPC: G06Q40/02 ,  G06F3/0484 ,  G06F3/0486

Abstract: A device and method for management of an account. An event placement timeline is displayed. Account events are shown along the timeline. A preferred event time range or “safe zone” is shown along the timeline. The “safe zone” is the portion of the month during which it is safe to schedule certain events, like bill payments, with lower risk of NSF, overdraft or the like. The user moves a movable object into the “safe zone” to reschedule the account event in the “safe zone”, and the settings of the account are modified to automatically execute the account event at that time.

公开(公告)号：US20190370893A1

公开(公告)日：2019-12-05

申请号：US16541325

申请日：2019-08-15

Applicant: The Toronto-Dominion Bank

Inventor： Rajeev Kumar GANDHI ,  Robert Kyle MILLER ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Rakesh Thomas JETHWA

IPC: G06Q40/02 ,  G06Q10/10 ,  G06F3/0484

Abstract: A computing device and method for managing an account. A computer displays a historical timeline and an event placement timeline. Past events are shown along the historical timeline, and future events along the event placement timeline. The computer suggest a change to the timing of one of the events. The user moves a movable object to the proposed timing to reschedule the event. The settings of the account are modified to automatically execute that event at the new timing.