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51. 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.

52. 发明申请

US20170364895A1 Person-To-Person Electronic Payment Processing 审中-公开
公开(公告)号：US20170364895A1
公开(公告)日：2017-12-21
申请号：US15695628
申请日：2017-09-05
申请人： The Toronto-Dominion Bank
发明人： Lauren Van Heerden , Prabaharan Sivashanmugam , Dino D'Agostino , Michael D. Cummins , Orin Del Vecchio , Gunalan Nadarajah , Steven Robert Langham
IPC分类号： G06Q20/22 , G06Q20/10 , G06Q20/38
CPC分类号： G06Q20/223 , G06Q20/10 , G06Q20/3829 , G06Q20/383
摘要： A payment processing method involves a server receiving a payee identifier, and linking the payee identifier to a device identifier identifying a payee device. The server receives from a payor device a payment initiation request identifying a specified payment amount and a payor identifier, links a unique token to the specified payment amount and to the payor identifier, and provides the payor device with the token. The token excludes the payor identifier and particulars of the associated payor. The server receives a payment completion request including the payee identifier and the token, and excluding the payment amount, the payor identifier and payor particulars. The server uses the payee identifier to confirm that the payment completion request was signed with the device identifier, uses the payee identifier to locate a payee account, and uses the token to determine the specified payment amount and a payor account associated with the payor identifier.

53. 发明授权

US09652798B2 Systems and methods for identifying product recommendations based on investment portfolio data 有权
公开(公告)号：US09652798B2
公开(公告)日：2017-05-16
申请号：US14510920
申请日：2014-10-09
申请人： The Toronto-Dominion Bank
发明人： Michael E. Globe , Mazin Al-Samadi , Lauren Van Heerden , Gunalan Nadarajah , Orin Del Vecchio , Michael D. Cummins , Prabaharan Sivashanmugam
IPC分类号： G06Q30/06 , G06Q30/02 , G06Q40/06
CPC分类号： G06Q30/0631 , G06Q30/0226 , G06Q40/06
摘要： The disclosed embodiments include, for example, systems and methods for providing recommendations of one or more alternative products to a user based on investment portfolio data. In one aspect, the disclosed embodiments may include a system that is configured to obtain information associated with one or more products of interest to the user. In certain aspects, the obtained information may identify a product previously purchased by the user, one or more products that form a shopping list of the user, and/or a product identified by the user as a potential purchase. The system may be configured to identify one or more alternative products that are similar to the products of interest and that are related to one or more securities associated with an investment portfolio of the user. In one aspect, the system may be configured to generate one or more instructions to transmit information identifying the one or more alternatives product to a device of the user.

54. 发明申请

US20170076408A1 Connected Device-Based Property Evaluation 审中-公开
标题翻译：连接的基于设备的属性评估
公开(公告)号：US20170076408A1
公开(公告)日：2017-03-16
申请号：US15265270
申请日：2016-09-14
申请人： The Toronto-Dominion Bank
发明人： Roy D'Souza , Roisin Lara Fritz , Jonathan K. Barnett , Paul Mon-Wah Chan , John Jong-Suk Lee , Orin Del Vecchio
IPC分类号： G06Q50/16 , G06Q10/00
CPC分类号： G06Q40/00 , G06Q10/109 , G06Q10/20 , G06Q20/10 , G06Q50/08 , G06Q50/163
摘要： The present disclosure involves systems and computer implemented methods for performing a connected device-based property evaluation. In one example, operations include identifying a property associated with an initial price and collecting information about the property by receiving information from one or more connected devices associated with the property. The one or more connected devices can each have a sensor for monitoring a condition within the property, and can providing information about the condition to the connected device, where the information is associated with a current status of the identified property. At least one action to be performed at the property based on the collected information is determined, with each action corresponding to an element at the property. An aggregate set of cost information associated with each determined action is determined and combined with the initial price to determine a modified purchase price. The modified price is then presented.
摘要翻译：本公开涉及用于执行基于连接的基于设备的属性评估的系统和计算机实现的方法。在一个示例中，操作包括识别与初始价格相关联的属性，并且通过从与该属性相关联的一个或多个连接的设备接收信息来收集关于该属性的信息。一个或多个连接的设备可以各自具有用于监视属性内的状况的传感器，并且可以向所连接的设备提供关于条件的信息，其中信息与所识别的属性的当前状态相关联。确定基于收集的信息在属性上执行的至少一个动作，每个动作对应于该属性的元素。确定与每个确定的动作相关联的一组总成本信息，并将其与初始价格组合以确定修改的购买价格。然后提出修改后的价格。

55. 发明申请

US20170046651A1 SYSTEMS AND METHOD FOR TRACKING ENTERPRISE EVENTS USING HYBRID PUBLIC-PRIVATE BLOCKCHAIN LEDGERS 审中-公开
标题翻译：使用混合公共私人闭路灯LEDGERS跟踪企业活动的系统和方法
公开(公告)号：US20170046651A1
公开(公告)日：2017-02-16
申请号：US14928838
申请日：2015-10-30
申请人： The Toronto-Dominion Bank
发明人： Jenny LIN , Perry Haldenby , John Jong Suk Lee , Paul Mon-Wah Chan , Orin Del Vecchio
IPC分类号： G06Q10/08 , H04L9/08 , G06Q30/02
CPC分类号： G06Q20/0655 , G06F21/62 , G06F21/645 , G06Q10/0631 , G06Q10/063114 , G06Q10/08 , G06Q10/103 , G06Q10/1097 , G06Q20/065 , G06Q20/102 , G06Q20/367 , G06Q20/3829 , G06Q20/401 , G06Q20/4016 , G06Q20/405 , G06Q30/0214 , G06Q40/08 , G06Q40/128 , G06Q50/08 , G06Q50/18 , G06Q2220/00 , G06Q2220/10 , G06Q2230/00 , H04L9/0816 , H04L9/0861 , H04L9/0891 , H04L9/0894 , H04L9/3247 , H04L63/0435 , H04L63/0442 , H04L63/061 , H04L63/062 , H04L63/08 , H04L63/0876 , H04L63/12 , H04L2209/24 , H04L2209/38 , H04L2209/56 , H04N5/913 , H04N2005/91342 , Y02P90/86 , Y04S10/54
摘要： The disclosed embodiments include computerized systems and methods for generating secured blockchain-based ledger data structures that track occurrences of events across fragmented and geographically dispersed lines-of-business of an enterprise. In one instance, an apparatus associated with a rules authority of the secured blockchain-based ledger may detect an occurrence of a triggering event, and may access and decrypt a set of rules hashed into the secured blockchain-based ledger using a confidentially-held master cryptographic key. The apparatus may identify a rule associated with the detected event, and perform one or more operations consistent with the rule, including a disbursement of various rewards to employees in response to customer-specific interactions with the enterprise. The disclosed embodiments provide a rules process for aggregating mutually incompatible enterprise data that specifies the events, and for tracking the events in uniform data structures accessible across the enterprise.
摘要翻译：所公开的实施例包括计算机系统和用于生成基于块链的分类帐数据结构的方法，该分类帐数据结构跟踪企业的分散和地理上分散的业务线的事件发生。在一个实例中，与基于安全的基于块链的分类帐的规则权限相关联的装置可以检测触发事件的发生，并且可以使用保密的主控器来将一组规则访问和解密到基于安全的基于块链的分类帐中加密密钥该装置可以识别与检测到的事件相关联的规则，并且执行与规则一致的一个或多个操作，包括响应于与企业的客户特定的交互而向员工发放各种奖励。所公开的实施例提供用于聚合指定事件的相互不兼容的企业数据的规则过程，以及用于跟踪在整个企业中可访问的统一数据结构中的事件。

56. 发明申请

US20170039608A1 Systems and Methods for Automatically Generating Order Data Based on Social Media Messaging 审中-公开
标题翻译：基于社交媒体消息自动生成订单数据的系统和方法
公开(公告)号：US20170039608A1
公开(公告)日：2017-02-09
申请号：US15228705
申请日：2016-08-04
申请人： The Toronto-Dominion Bank
发明人： Bruno Sandre , Matthew Hamilton , Jonathan K. Barnett , Paul Mon-Wah Chan , John Jong Suk Lee , Orin Del Vecchio
IPC分类号： G06Q30/06 , G06Q40/04 , H04L12/58
CPC分类号： G06Q40/04 , G06Q40/06 , G06Q50/01 , H04L41/22 , H04L51/32 , H04L63/083 , H04L63/101 , H04L63/102 , H04L63/126 , H04L67/12 , H04L67/306
摘要： The disclosed embodiments include computerized methods and systems that facilitate automate trade-order entry and execution based on social media messaging. In one embodiment, an apparatus may receive, from a social-networking service, social media data that includes various social media messages associated with social-networking accounts of various users. The apparatus may detect an occurrence of a predetermined element of content within a first social media message associated with a social networking account of a first user, and may extract data identifying at least one parameter of an action from the first social media message. The apparatus may generate proposed transaction parameters that include the at least one extracted action parameter, and in response to a confirmation of the proposed transaction parameters, the apparatus may generate one or more electronic commands to initiate a performance of the action in accordance with the confirmed transaction parameters.
摘要翻译：所公开的实施例包括促进基于社交媒体消息传送的自动交易订单输入和执行的计算机化方法和系统。在一个实施例中，设备可以从社交网络服务接收包括与各种用户的社交网络帐户相关联的各种社交媒体消息的社交媒体数据。该装置可以检测与第一用户的社交网络帐户相关联的第一社交媒体消息内的预定内容元素的出现，并且可以从第一社交媒体消息中提取识别动作的至少一个参数的数据。该装置可以生成包括至少一个提取的动作参数的建议的交易参数，并且响应于所提出的交易参数的确认，该装置可以生成一个或多个电子命令，以根据所确认的动作来发起动作的执行交易参数。

57. 发明申请

US20160012432A1 UNIVERSAL ELECTRONIC PAYMENT CREDENTIAL PROCESSING 审中-公开
标题翻译：通用电子支付凭证处理
公开(公告)号：US20160012432A1
公开(公告)日：2016-01-14
申请号：US14796275
申请日：2015-07-10
申请人： THE TORONTO-DOMINION BANK
发明人： Mahnaz Meshkati , John Anthony Tarnowski , Lauren van Heerden , Orin Del Vecchio , Paul Mon-Wah Chan , Dino D'Agostino
IPC分类号： G06Q20/38 , G06Q20/32
CPC分类号： G06Q20/3821 , G06Q20/20 , G06Q20/322 , G06Q20/4014
摘要： A method of credential-based electronic payment processing involves a credential processing server receiving from a mobile communications device a payment initiation request for initiating payment with a payment terminal, and providing the mobile communications device with a mode authorization for an authorized communications mode for the mobile communications device to provide the payment terminal with a payment pre-authorization credential. The payment pre-authorization credential is uniquely associated with a financial account and pre-authorizes electronic payment from the financial account. The credential processing server receives from the payment terminal a payment clearing request that identifies a payment amount and includes the payment pre-authorization credential. The credential processing server determines particulars of the financial account from the payment pre-authorization credential, and effects settlement of the electronic payment by forwarding over a payment network a settlement request message identifying the payment amount and the financial account particulars.
摘要翻译：一种基于凭证的电子支付处理方法涉及凭证处理服务器，从移动通信设备接收用于支付终端支付的支付发起请求，以及向移动通信设备提供用于移动电话的授权通信模式的模式授权通信设备向支付终端提供支付预授权凭证。支付预授权凭证与金融账户唯一相关联，并且预先授权来自金融账户的电子支付。凭证处理服务器从支付终端接收用于识别支付金额的支付结算请求，并且包括支付预授权凭证。凭证处理服务器从支付预授权凭证确定金融账户的细节，并且通过在支付网络上转发识别支付金额和金融账户细节的结算请求消息来影响电子支付的结算。

58. 发明授权

US09148869B2 Location-based account activity alerts 有权
标题翻译：基于位置的帐户活动警报
公开(公告)号：US09148869B2
公开(公告)日：2015-09-29
申请号：US14508575
申请日：2014-10-07
申请人： THE TORONTO DOMINION BANK
发明人： Lauren Van Heerden , Michael D. Cummins , Prabaharan Sivashanmugam , Gunalan Nadarajah , Orin Del Vecchio
IPC分类号： H04W8/18 , H04W4/02 , H04W64/00 , H04W68/04
CPC分类号： H04W64/006 , G06F21/316 , G06F21/554 , H04W4/022 , H04W4/027 , H04W4/029 , H04W4/21 , H04W8/18 , H04W68/04
摘要： 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.
摘要翻译：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。

59. 发明申请

US20140365377A1 HIGH FRAUD RISK TRANSACTION AUTHORIZATION 审中-公开
标题翻译：高风险风险交易授权
公开(公告)号：US20140365377A1
公开(公告)日：2014-12-11
申请号：US14301082
申请日：2014-06-10
申请人： The Toronto-Dominion Bank
发明人： Hisham SALAMA , Lauren Van Heerden , Ian Sundberg , Anand Kannan , Orin Del Vecchio
IPC分类号： G06Q20/38 , G06Q20/08
摘要： A method of authorizing a transaction involves a computer server authenticating a payment cardholder from a cardholder credential, and receiving a request from a communications terminal to initiate an online transaction with the server. The server communicates with a database of clusters, each uniquely associated with a respective cardholder and identifying an authentication card and a partial payment card number. The server requests an authentication credential from the terminal in response to determining that the requested transaction possesses a high risk of fraud. The server receives the requested authentication credential, and uses the cardholder and authentication credentials to locate the authentication card uniquely associated with the cardholder and the authentication credential in the database. The authentication credential has fewer digits than the account number of the located authentication card. The server authorizes the transaction in response to authenticating the cardholder using the account number of the located authentication card.
摘要翻译：授权交易的方法涉及计算机服务器从持卡人凭证认证支付持卡人，并且从通信终端接收请求以发起与服务器的在线交易。服务器与集群的数据库通信，每个集群数据库与相应的持卡人唯一相关联，并且识别认证卡和部分支付卡号。响应于确定所请求的交易具有高风险的欺诈，服务器从终端请求认证证书。服务器接收请求的身份验证凭证，并使用持卡人和身份验证凭据来定位与持卡人唯一相关联的认证卡和数据库中的身份验证凭证。身份验证凭证的数量少于所在身份验证卡的帐号。服务器授权交易响应使用所在身份验证卡的帐号认证持卡人。

60. 发明申请

US20140337225A1 BIOMETRIC-BASED TRANSACTION FRAUD DETECTION 审中-公开
标题翻译：基于生物量的交易欺诈检测
公开(公告)号：US20140337225A1
公开(公告)日：2014-11-13
申请号：US14273469
申请日：2014-05-08
申请人： The Toronto-Dominion Bank
发明人： Lauren VAN HEERDEN , Prabaharan Sivashanmugam , Michael D. Cummins , Orin Del Vecchio , Gunalan Nadarajah , Nino Di Teodoro
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016 , G06Q20/40145
摘要： A method of identifying potentially fraudulent electronic transactions at an electronic transaction device may involve the transaction device receiving a transaction request for an electronic transaction. The transaction request may include a biometric credential sample and an authentication credential. Upon locating in the transaction history (i) no entry corresponding to the biometric credential sample or (ii) an entry comprising the biometric credential sample in association with the authentication credential, the electronic transaction device may insert into the transaction history a new entry comprising the biometric credential sample in association with the authentication credential and initiates completion of the electronic transaction. Otherwise, the transaction device may insert into the transaction history a new entry comprising the biometric credential sample in association with the authentication credential and generates an alarm signal identifying the electronic transaction as potentially fraudulent.
摘要翻译：在电子交易设备处识别潜在的欺诈电子交易的方法可以涉及交易设备接收电子交易的交易请求。交易请求可以包括生物测定凭证样本和认证证书。在处理交易历史（i）中，没有与生物特征凭证样本相对应的条目，或者（ii）包含与验证证书相关联的生物特征凭证样本的条目，电子交易设备可以将交换历史中的新条目生物特征凭证样本与认证凭证相关联，并启动完成电子交易。否则，交易设备可以在交易记录中插入包括与认证证书相关联的生物测定凭证样本的新条目，并且生成将该电子交易识别为潜在欺诈的报警信号。

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