公开(公告)号：US10355958B2

公开(公告)日：2019-07-16

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

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：US10713715B2

公开(公告)日：2020-07-14

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: G06F17/00 ,  G06Q40/02 ,  G06Q10/10 ,  G06F3/0484 ,  G06F3/0481 ,  G06F8/34 ,  G06F3/0486

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.

公开(公告)号：US20180101903A1

公开(公告)日：2018-04-12

申请号：US15290556

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 ,  G06Q10/10 ,  G06F3/0484 ,  G06F3/0486

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.

公开(公告)号：US20210326860A1

公开(公告)日：2021-10-21

申请号：US17365753

申请日：2021-07-01

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: G06Q20/38 ,  G06N20/00

Abstract: The present disclosure involves systems, software, and computer implemented methods for a remittance system that pre-populates remittance data based on historical usage of remittance transactions. One example system includes operations to generate, using a predictive model, data indicating a predicted likelihood of a user selecting at least one data exchange transaction, wherein the data indicates the predicted likelihood of the user performing the at least one data exchange transaction. A request is received to access a remittance page. In response, the at least one data exchange transaction that was previously generated is selected from a repository of predicted likelihoods. Remittance data associated with a UI element is generated that includes the at least one data exchange transaction. The remittance data is transmitted to the device. An indication from the device is received for interacting with the UI element. The data exchange transaction is executed in response to receiving the indication.

公开(公告)号：US11087314B2

公开(公告)日：2021-08-10

申请号：US16142825

申请日：2018-09-26

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: G06Q40/00 ,  G06Q20/38 ,  G06N20/00

Abstract: The present disclosure involves systems, software, and computer implemented methods for a remittance system that pre-populates remittance data based on historical usage of remittance transactions. One example system includes operations to generate, using a predictive model, data indicating a predicted likelihood of a user selecting at least one data exchange transaction, wherein the data indicates the predicted likelihood of the user performing the at least one data exchange transaction. A request is received to access a remittance page. In response, the at least one data exchange transaction that was previously generated is selected from a repository of predicted likelihoods. Remittance data associated with a UI element is generated that includes the at least one data exchange transaction. The remittance data is transmitted to the device. An indication from the device is received for interacting with the UI element. The data exchange transaction is executed in response to receiving the indication.

公开(公告)号：US20190280955A1

公开(公告)日：2019-09-12

申请号：US16426291

申请日：2019-05-30

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 ,  H04W24/08 ,  H04L29/08 ,  H04M15/00 ,  H04L12/14

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：US11120447B2

公开(公告)日：2021-09-14

申请号：US16593579

申请日：2019-10-04

Applicant: THE TORONTO-DOMINION BANK

Inventor： Rajeev Kumar Gandhi ,  Noemi Colmenar-Miranda ,  Danielle Marie Pinnock ,  William Joseph McLellan ,  Richard Titus Szvath ,  Liliya Kaminskaya ,  Jennifer Amaral

IPC: G06Q40/02 ,  G06Q20/24 ,  G06Q20/40 ,  G06Q20/34 ,  G06F16/16

Abstract: An authorization control network includes an attribute control server and an authorization server. The attribute control server is configured to receive from a communications device a credential and a modification request that includes an account identifier, determine a cardholder attribute from the credential, determine an account attribute associated with the account identifier in a card profile database, determine that the cardholder attribute matches the account attribute, and transmit the modification request to the authorization server. The authorization server is configured to update a limit value with the account identifier in a limit profile database, receive from a POS device an authorization request that includes the account identifier and an authorization value, determine the limit value associated with the account identifier in the limit profile database, generate an authorization response indicating whether the authorization value exceeds the limit value, and transmit the authorization response to the POS device.

公开(公告)号：US20200097955A1

公开(公告)日：2020-03-26

申请号：US16142825

申请日：2018-09-26

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: G06Q20/38 ,  G06N99/00

Abstract: The present disclosure involves systems, software, and computer implemented methods for a remittance system that pre-populates remittance data based on historical usage of remittance transactions. One example system includes operations to generate, using a predictive model, data indicating a predicted likelihood of a user selecting at least one data exchange transaction, wherein the data indicates the predicted likelihood of the user performing the at least one data exchange transaction. A request is received to access a remittance page. In response, the at least one data exchange transaction that was previously generated is selected from a repository of predicted likelihoods. Remittance data associated with a UI element is generated that includes the at least one data exchange transaction. The remittance data is transmitted to the device. An indication from the device is received for interacting with the UI element. The data exchange transaction is executed in response to receiving the indication.

公开(公告)号：US10445824B2

公开(公告)日：2019-10-15

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: G06F17/00 ,  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：US10424012B2

公开(公告)日：2019-09-24

申请号：US15290556

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: G06F17/00 ,  G06Q40/02 ,  G06Q10/10 ,  G06F3/0484 ,  G06F8/34 ,  G06F3/0481 ,  G06F3/0486

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.