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1. 发明授权

US10896419B2 Systems and methods for authenticating user identities in networked computer systems 有权
公开(公告)号：US10896419B2
公开(公告)日：2021-01-19
申请号：US16139347
申请日：2018-09-24
申请人： The Toronto-Dominion Bank
发明人： 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分类号： H04L29/06 , G06Q20/40 , G06Q20/20 , G06Q20/38
摘要： 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.

2. 发明授权

US10192263B2 Branch recommendation 有权
公开(公告)号：US10192263B2
公开(公告)日：2019-01-29
申请号：US14802973
申请日：2015-07-17
申请人： The Toronto-Dominion Bank
发明人： Jonathan K. Barnett , Lauren Van Heerden , Orin Del Vecchio , Gunalan Nadarajah , John Barbon , Paul Mon-Wah Chan , Jakub Danielak , Christianne Moretti , Matthew Hamilton
IPC分类号： G06Q40/02
摘要： A method and system for recommending a physical location at which to complete an electronic activity are disclosed. In some examples, initiation of the electronic activity by a user at a first physical location is detected, that the electronic activity is to be completed at a physical location different from the first physical location is determined, one or more portions of the electronic activity that remain incomplete are determined, a second physical location at which to complete the one or more incomplete portions of the electronic activity is identified, and information about the electronic activity is provided to the second physical location. In some examples, the identification of the second physical location is based on at least characteristics of the electronic activity, the user, and/or the second physical location.

3. 发明申请

US20190156338A1 SYSTEMS AND METHODS FOR PROVIDING TOKENIZED TRANSACTIONS ACCOUNTS 审中-公开
公开(公告)号：US20190156338A1
公开(公告)日：2019-05-23
申请号：US16251470
申请日：2019-01-18
申请人： The Toronto-Dominion Bank
发明人： Hisham I. Salama , Lauren Van Heerden , Orin Del Vecchio , Paul Mon-Wah Chan , Jonathan K. Barnett , Jakub Danielak
IPC分类号： G06Q20/40 , G06Q20/38 , G06Q20/10 , G06Q20/20 , G06Q20/12 , G06Q20/34
摘要： The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.

4. 发明申请

US20190114703A1 BRANCH RECOMMENDATION 审中-公开
公开(公告)号：US20190114703A1
公开(公告)日：2019-04-18
申请号：US16212808
申请日：2018-12-07
申请人： The Toronto-Dominion Bank
发明人： Jonathan K. Barnett , Lauren Van Heerden , Orin Del Vecchio , Gunalan Nadarajah , John Barbon , Paul Mon-Wah Chan , Jakub Danielak , Christianne Moretti , Matthew Hamilton
IPC分类号： G06Q40/02
摘要： A method and system for recommending a physical location at which to complete an electronic activity are disclosed. In some examples, initiation of the electronic activity by a user at a first physical location is detected, that the electronic activity is to be completed at a physical location different from the first physical location is determined, one or more portions of the electronic activity that remain incomplete are determined, a second physical location at which to complete the one or more incomplete portions of the electronic activity is identified, and information about the electronic activity is provided to the second physical location. In some examples, the identification of the second physical location is based on at least characteristics of the electronic activity, the user, and/or the second physical location.

5. 发明授权

US09754491B2 Systems and methods for providing sensor-based location proximity detection and notification 有权
公开(公告)号：US09754491B2
公开(公告)日：2017-09-05
申请号：US14793915
申请日：2015-07-08
申请人： The Toronto-Dominion Bank
发明人： Orin Del Vecchio , Lauren Van Heerden , Gunalan Nadarajah , Jonathan K. Barnett , Ashraf Metwalli , Jakub Danielak , Michael Loughry , Daniel M. Siegel , Nikolas Sawtschuk , Sultan Mehrabi , Paul Mon-Wah Chan , Matthew Hamilton , Christianne Moretti , John Barbon
IPC分类号： G08G1/00 , G06Q10/10 , H04W4/02
CPC分类号： G08G1/205 , G06Q10/109 , G08G1/20 , H04W4/022 , H04W4/023
摘要： The disclosed embodiments include methods and systems for providing a notification relating to a geographical boundary based on monitored sensor data collected by networked devices. The disclosed embodiments include, for example, a method for receiving, by one or more processors, a request to establish a first boundary around a first location. The method may also include monitoring, by the one or more processors, one or more triggering devices. The method may also include calculating, by the one or more processors, a first boundary extent delimiting the geographical area of the first boundary based on one or more boundary extent parameters. The method may also include detecting, by the one or more processors, whether at least one of the one or more triggering devices is located within the first boundary extent. The method may also include, when the at least one of the one or more triggering devices is detected within the first boundary extent, sending, by the one or more processors, a notification to a client device based on the determining.

6. 发明授权

US10803516B2 Branch recommendation 有权
公开(公告)号：US10803516B2
公开(公告)日：2020-10-13
申请号：US16212808
申请日：2018-12-07
申请人： The Toronto-Dominion Bank
发明人： Jonathan K. Barnett , Lauren Van Heerden , Orin Del Vecchio , Gunalan Nadarajah , John Barbon , Paul Mon-Wah Chan , Jakub Danielak , Christianne Moretti , Matthew Hamilton
IPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/32
摘要： A method and system for recommending a physical location at which to complete an electronic activity are disclosed. In some examples, the system identifies an incomplete portion of an electronic activity initiated at a first device, and identifies a plurality of candidate locations for completion of the electronic activity based on at least one characteristic of the incomplete portion. When a prior location of the first device is closer to a first one of the candidate locations than to a second one of the candidate locations, the system selects the first candidate location for the completion of the electronic activity and provides activity data characterizing the electronic activity to a second device disposed at the first candidate location.

7. 发明申请

US20190026739A1 SYSTEMS AND METHODS FOR AUTHENTICATING USER IDENTITIES IN NETWORKED COMPUTER SYSTEMS 审中-公开
公开(公告)号：US20190026739A1
公开(公告)日：2019-01-24
申请号：US16139347
申请日：2018-09-24
申请人： The Toronto-Dominion Bank
发明人： 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分类号： G06Q20/40 , H04L29/06 , G06Q20/20 , G06Q20/38
摘要： 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.

8. 发明申请

US20160125547A1 Self-Directed Insurance Accounts 审中-公开
标题翻译：自助保险账户
公开(公告)号：US20160125547A1
公开(公告)日：2016-05-05
申请号：US14871505
申请日：2015-09-30
申请人： The Toronto-Dominion Bank
发明人： Martin Joseph Marcel Dubeau , Jakub Danielak
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , G06Q40/06
摘要： The present disclosure involves systems including a life insurance platform and a user-directed investment platform. The life insurance platform maintains a life insurance policy associated with a cash value backed by investment assets. A user-directed investment account platform maintains a user-directed investment account funded by a margin account based on the cash value of the life insurance policy. The system can determine a change in the value of the investment assets and can, in turn, modify the value of the margin account based on the change. The user-directed investment account platform can identify the modified value of the margin account and update the user-directed investment account based on the same. That platform can also provide an interface for providing information related to the user-directed investment account while also providing information related to the life insurance policy.
摘要翻译：本公开涉及包括人寿保险平台和用户导向的投资平台的系统。人寿保险平台维持与投资资产支持的现金价值相关的人寿保险。用户导向的投资账户平台根据人寿保险的现金价值，维护由保证金账户资助的用户导向的投资账户。该系统可以确定投资资产价值的变化，并可以根据变化修改保证金账户的价值。用户导向的投资账户平台可以识别保证金账户的修改值，并基于相同的方式更新用户导向的投资账户。该平台还可以提供用于提供与用户导向的投资账户相关的信息的界面，同时还提供与人寿保险相关的信息。

9. 发明申请

US20160012468A1 PRODUCT-CLASS-BASED INCENTIVIZED TRANSACTION 审中-公开
标题翻译：基于产品级的激励交易
公开(公告)号：US20160012468A1
公开(公告)日：2016-01-14
申请号：US14796681
申请日：2015-07-10
申请人： THE TORONTO-DOMINION BANK
发明人： Lauren van Heerden , Orin Del Vecchio , Gunalan Nadarajah , Paul Mon-Wah Chan , Steve Robert Langham , Jonathan K. Barnett , Jakub Danielak , Roisin Fritz , John Jong Suk Lee , Rob Miller , Ashraf Metwalli
IPC分类号： G06Q30/02 , G06Q20/10
CPC分类号： G06Q30/0226 , G06Q20/387
摘要： A method of effecting an incentive transaction involves a computer server receiving a notification message that identifies a financial transaction. The server is in communication with a database of incentive plans, each comprising a plan definition that defines an incentive transaction. Each plan is associated with plan participants by participant identifiers. Each participant identifier is uniquely associated with their plan participant. The notification message includes a product code and the participant identifier of one plan participant. The server identifies an incentive plan applicable to the financial transaction from a correlation with the participant identifier, determines an incentive amount from the product code and the incentive plan definition of the applicable incentive plan, and initiates the incentive transaction for the incentive amount with a first financial account associated with the one plan participant and with a second financial account associated with another of the plan participants of the applicable incentive plan.
摘要翻译：实施激励交易的方法涉及计算机服务器接收识别金融交易的通知消息。服务器与激励计划的数据库进行通信，每个都包含定义激励交易的计划定义。每个计划都由参与者标识符与计划参与者相关联。每个参与者标识符与其计划参与者唯一相关联。通知消息包括产品代码和一个计划参与者的参与者标识符。服务器根据与参与者标识符的相关性，确定适用于金融交易的激励计划，从产品代码确定激励金额和适用激励计划的激励计划定义，并以第一个方式启动激励金额激励交易与一个计划参与者相关联的财务帐户，以及与适用激励计划的另一计划参与者相关联的第二个财务帐户。

10. 发明授权

US11475450B2 Systems and methods for authenticating user identities in networked computer systems 有权
公开(公告)号：US11475450B2
公开(公告)日：2022-10-18
申请号：US16655602
申请日：2019-10-17
申请人： The Toronto-Dominion Bank
发明人： 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分类号： G06Q20/40 , G06Q20/20 , G06Q20/38 , H04L9/40
摘要： 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.

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