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51. 发明申请

US20170054735A1 Augmented and Virtual Reality Based Process Oversight 审中-公开
公开(公告)号：US20170054735A1
公开(公告)日：2017-02-23
申请号：US15297702
申请日：2016-10-19
申请人： The Toronto-Dominion Bank
发明人： Christianne Moretti , James Zachary Pryor , Matthew Hamilton , Jonathan K. Barnett , Paul Mon-Wah Chan , Orin Del Vecchio , John Barbon , John Jong-Suk Lee
IPC分类号： H04L29/06 , G06F3/14
CPC分类号： G06Q10/103 , G02B27/01 , G06F3/14 , G06T19/006 , H04L63/107
摘要： The present disclosure involves systems and computer implemented methods for generating a virtual or augmented reality-based oversight system of business processes at a location remote from where the business process is executed. In one example, system operations include identifying a process-based operation performed at a physical first location, where the operation is associated with a request for oversight from a remote second location. A current state of the operation at the first location is identified, and at least one input source at the first location is identified. A simulation of the current state of the operation at the first location incorporating input from the input source(s) is generated for presentation at the second location. An action performed at the first location in the current state of the operation is identified, and the second location is then transmitted a request to authorize the identified action.

52. 发明申请

US20170046652A1 SYSTEMS AND METHOD FOR TRACKING BEHAVIOR OF NETWORKED DEVICES USING HYBRID PUBLIC-PRIVATE BLOCKCHAIN LEDGERS 审中-公开
标题翻译：使用混合公共私人封闭式LED驱动器跟踪网络设备的行为的系统和方法
公开(公告)号：US20170046652A1
公开(公告)日：2017-02-16
申请号：US14935829
申请日：2015-11-09
申请人： The Toronto-Dominion Bank
发明人： Perry HALDENBY , Rajan Mahadevan , John Jong Suk Lee , Paul Mon-Wah Chan , Orin Del Vecchio
IPC分类号： G06Q10/08 , H04L9/08 , G06Q40/08
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 an ownership and usage of one or more assets, such as Internet-connected devices. 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 determination of metrics indicative of a care, risk, and/or valuation of one or more of the Internet-connected devices, and additionally or alternatively, a modification of an operational or communicative functionality of the Internet-connected devices.
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一个或多个资产（例如因特网连接的设备）的所有权和使用。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，包括确定指示一个或多个因特网连接的设备的护理，风险和/或估价的度量，并且附加地或替代地，修改了因特网连接的设备的操作或通信功能。

53. 发明申请

US20160012469A1 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：US20160012469A1
公开(公告)日：2016-01-14
申请号：US14796746
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 transaction 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 to be transacted with an incentive account. Each plan is associated with plan participants by participant identifiers. Each participant identifier is uniquely associated with their plan participant. The incentive account is jointly associated with the plurality of plan participants. 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 the incentive account 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交易通知消息。服务器与激励计划数据库进行通信，每个激励计划都包含一个计划定义，该计划定义定义了与激励账户交易的激励交易。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。激励账户与多个计划参与者共同关联。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，确定产品代码的激励金额和适用激励计划的激励计划定义，并激励激励金额激励交易说明适用的激励计划。

54. 发明申请

US20150213521A1 ADAPTIVE SOCIAL MEDIA SCORING MODEL WITH REVIEWER INFLUENCE ALIGNMENT 审中-公开
标题翻译：自适应社会媒体评分模型与评论者影响对齐
公开(公告)号：US20150213521A1
公开(公告)日：2015-07-30
申请号：US14610018
申请日：2015-01-30
申请人： The Toronto-Dominion Bank
发明人： Prabaharan Sivashanmugam , Michael D. Cummins , Lauren Van Heerden , Gunalan Nadarajah , Orin Del Vecchio , Talvis Pierre Love
IPC分类号： G06Q30/02
CPC分类号： G06Q30/0282
摘要： Online reviews present a wealth of information for consumers to consider when making purchase decisions. Consumers however, can be disadvantaged by an inability to determine the usefulness of reviews, the wealth of information thus providing marginal utility. Where consumers can establish an affinity or trust with a reviewer, the usefulness of a review can be vetted against the perspective of the consumer, assisting consumers in making purchase decisions with greater confidence and reliability. Social media further supports consumers by providing a convenient pool of reviewers with whom a consumer may already have pre-existing relationships or familiarity with, bolstering the ability of the consumer to establish an affinity or trust with the reviewer. An adaptive influence process provides a method for consumers to adapt such a collection of reviews, and tailor them to the consumer's own perspective to assist in making purchase decisions with greater confidence.
摘要翻译：在线评论提供了大量信息，供消费者在做出购买决定时考虑。然而，消费者可能由于无法确定审查的有用性而处于不利地位，所以信息的丰富因此提供了边际效用。在消费者与审查者建立亲和力或信任度的情况下，审查的有用性可以从消费者的角度审视，协助消费者以更大的信心和可靠性做出购买决定。社会媒体通过提供一个方便的审查者池来支持消费者，消费者可能已经与消费者已经存在先前存在的关系或熟悉，加强了消费者与审阅者建立亲和力或信任的能力。适应性影响过程为消费者提供了一种适应这样的评论集的方法，并将其定制为消费者自己的观点，以更有信心地协助做出购买决定。

55. 发明申请

US20140337171A1 SYSTEM AND METHOD FOR CONSUMER-MERCHANT TRANSACTION ANALYSIS 审中-公开
标题翻译：用于消费者交易分析的系统和方法
公开(公告)号：US20140337171A1
公开(公告)日：2014-11-13
申请号：US14273500
申请日：2014-05-08
申请人： The Toronto-Dominion Bank
发明人： Prabaharan SIVASHANMUGAM , Lauren Van Heerden , Michael D. Cummins , Orin Del Vecchio , Gunalan Nadarajah
IPC分类号： G06Q30/06 , G06Q20/40
CPC分类号： G06Q30/0609 , G06Q20/4016
摘要： A system, method and computer program product that is capable of determining respective merchant behaviour scores and consumer behaviour scores. Merchant locations (e.g. point of purchase or other geographic or virtual locations), in association with which merchants and consumers conduct transactions, can be used to enhance behaviour scoring capabilities. A merchant location may be attributed a merchant behaviour score such as one determined in accordance with consumer behaviour/financial/risk metrics of consumers who conduct transactions with the location. A specific consumer may be attributed a consumer behaviour score determined in accordance with the respective merchant behaviour scores of locations with which the specific consumer conducts transactions.
摘要翻译：能够确定各商家行为得分和消费者行为得分的系统，方法和计算机程序产品。与商家和消费者进行交易相关联的商家位置（例如购买点或其他地理位置或虚拟位置）可用于增强行为评分能力。商户位置可以归因于商人行为得分，例如根据与该位置进行交易的消费者的消费者行为/金融/风险度量确定的。特定消费者可以归因于根据特定消费者进行交易的位置的相应商家行为得分确定的消费者行为得分。

56. 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.

57. 发明授权

US10896248B2 Systems and methods for authenticating user identity based on user defined image data 有权
公开(公告)号：US10896248B2
公开(公告)日：2021-01-19
申请号：US15877458
申请日：2018-01-23
申请人： The Toronto-Dominion Bank
发明人： Hisham I. Salama , Paul Mon-Wah Chan , Dino D'Agostino , Orin Del Vecchio
IPC分类号： G06F7/04 , G06F21/32 , H04N5/232 , G06K9/00 , G06F21/36 , H04N21/414 , H04N21/4223 , H04N21/44 , H04N21/475
摘要： The disclosed embodiments include computerized methods and systems that facilitate two-factor authentication of a user based on a user-defined image and information identifying portions of the image sequentially selected by the user. In one aspect, a communications device presents a first digital image of a first user on a touchscreen display. The communications device may receive, from the first user, information identifying portions of the first digital image selected in accordance with a candidate authentication sequence established by the first user. The selected first image portions may, for example, be associated with corresponding facial features of the first user. The communications device may determine whether the candidate authentication sequence matches a reference authentication sequence associated with the first digital image, and may authenticate an identity of the first user, when the first selection sequence is determined to match the second selection sequence.

58. 发明授权

US10671996B2 Systems and methods for providing pre-paid multicards 审中-公开
公开(公告)号：US10671996B2
公开(公告)日：2020-06-02
申请号：US14796450
申请日：2015-07-10
申请人： The Toronto-Dominion Bank
发明人： Michael D. Cummins , Lauren Van Heerden , Prabaharan Sivashanmugam , Orin Del Vecchio , Gunalan Nadarajah
IPC分类号： G06Q20/34 , G06Q20/38
摘要： The disclosed embodiments include methods and systems for validating, funding, activating, and reloading one or more configurable multicards. The disclosed embodiments may include a method that may include obtaining user authentication information relating to a first user associated with an inactivated multicard that is configurable for use for purchases and is configured with a zero multicard account balance amount. The method may include obtaining multicard configuration information including a unique multicard identification information that identifies the inactivated multicard and a first multicard account balance amount for the inactivated multicard. The method may also include validating the inactivated multicard using the unique multicard identification information and associating the inactivated multicard with a multicard account having the first multicard account balance that is funded from a financial account associated with the first user.

59. 发明授权

US10657509B2 Cohort-based event monitoring system 有权
公开(公告)号：US10657509B2
公开(公告)日：2020-05-19
申请号：US15288266
申请日：2016-10-07
申请人： The Toronto-Dominion Bank
发明人： Kevin Ricardo Mari , Evan Zachary Cohen , Jonathan K. Barnett , John Jong Suk Lee , Paul Mon-Wah Chan , Orin Del Vecchio
IPC分类号： G06Q20/20 , G06F16/23 , G06F16/21 , G06Q10/00
摘要： An event monitoring processor includes a processor and at least one memory. The memory stores a cohort member database, and a database of cohort definitions. Each cohort definition defines a respective cohort. The processor is configured to receive a notification identifying a member action initiated by a member of one of the cohorts. The processor is configured to determine, from the cohort definition of the one cohort, a correlation outcome value from a correlation between the member action and an action associated with the one cohort, and to update at least one of the cohort definitions by saving in the cohort definitions database particulars of the member action in association with the at least one of the cohort definition. The processor is configured to save in the cohort member database a member database record identifying the correlation outcome value. The cohort member database is associated with the cohort member.

60. 发明授权

US10402793B2 Systems and method for tracking subdivided ownership of connected devices using block-chain ledgers 有权
公开(公告)号：US10402793B2
公开(公告)日：2019-09-03
申请号：US14931414
申请日：2015-11-03
申请人： The Toronto-Dominion Bank
发明人： Perry Haldenby , Rajan Mahadevan , John Jong Suk Lee , Paul Mon-Wah Chan , Orin Del Vecchio
IPC分类号： G06Q20/06 , G06Q10/06 , G06Q10/10 , G06Q50/08 , G06Q20/10 , G06Q20/40 , G06F21/62 , H04L9/08 , G06Q50/18 , H04L9/32 , H04L29/06 , G06Q10/08 , G06Q30/02 , G06Q40/00 , G06Q40/08 , G06F21/64 , H04N5/913 , G06Q20/36 , G06Q20/38
摘要： The disclosed embodiments include computerized systems and methods for generating secured block-chain-based ledger data structures that track subdivide ownership and usage of one or more assets, such as Internet-connected devices. In one instance, an apparatus associated with a rules authority of the secured block-chain-based ledger may detect an occurrence of a triggering event related to at least one of partial ownership interests in the assets, and may access and decrypt a set of rules hashed into the secured block-chain-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 generation of additional data blocks reflecting a change in at least one of the partial ownership interests, and additionally or alternatively, processes that adaptively monitor a compliance of one or more partial owners with an Imposed usage restriction.

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