公开(公告)号：US12015565B2

公开(公告)日：2024-06-18

申请号：US18170073

申请日：2023-02-16

Applicant: The Toronto-Dominion Bank

Inventor： Kareem El-Onsi ,  Garima Aggarwal ,  Raymond Alan Young

IPC: G06F9/50 ,  H04L47/10 ,  H04L47/70 ,  H04L47/78 ,  H04L47/80

CPC classification number: H04L47/781 ,  H04L47/29 ,  H04L47/808 ,  H04L47/822

Abstract: A computer-implemented is disclosed. The method includes: allocating a first quantity of resources associated with one or more database records of an entity to a first device operation of a computing device associated with the entity; detecting a trigger condition associated with the first device operation for generating offers for lending resources to the entity in connection with the first device operation; in response to detecting the trigger condition: determining a second quantity of resources associated with the one or more database records for allocating to the first device operation based on a difference between a threshold quantity of resources associated with performing the first device operation and a total quantity of resources associated with the one or more database records previously allocated to the first device operation; and transmitting, to the computing device, a message representing an offer for lending the second quantity of resources.

公开(公告)号：US11611516B2

公开(公告)日：2023-03-21

申请号：US16506148

申请日：2019-07-09

Applicant: The Toronto-Dominion Bank

Inventor： Kareem El-Onsi ,  Garima Aggarwal ,  Raymond Alan Young

IPC: H04L47/78 ,  H04L47/10 ,  H04L47/80 ,  H04L47/70

Abstract: A computer-implemented for allocating resources is disclosed. The method includes: receiving, from a client device associated with an entity, input including a selection of a first operation; obtaining a threshold quantity of resources associated with the first operation; allocating a first quantity of resources associated with the entity to the first operation; detecting a trigger condition for obtaining resources associated with the first operation; and in response to detecting the trigger condition for obtaining resources associated with the first operation: determining a second quantity of resources associated with the entity for allocation to the first operation based on a difference between the threshold quantity of resources associated with the first operation and the first quantity of resources; and transmitting, to the client device, a signal representing a message indicating the second quantity of resources.