Patents Assigned to The Toronto-Dominion Bank
  • Publication number: 20240062117
    Abstract: A system and method are provided for examining data from a source. The method is executed by a device having a processor and includes receiving a set of historical data and a set of current data to be examined, from the source. The method also includes generating multiple statistical models based on the historical data and a forecast for each model. The method also includes selecting one of the multiple statistical models based on at least one criterion, and generating a new forecast using the selected model. The method also includes comparing the set of current data against the new forecast to identify any data points in the set of current data with unexpected values. The method also includes outputting a result of the comparison, the result comprising any data points with unexpected values.
    Type: Application
    Filed: November 1, 2023
    Publication date: February 22, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Yunyu KUANG, Chun Yau HAO, Hugo Adolfo Gonçalves CIBRÃO, Nicholas Victor Laurence MORIN
  • Publication number: 20240064112
    Abstract: A server device, system, method, and for controlling access to project resources is disclosed. The disclosure includes a processor, and a communications module and a memory coupled to the processor. The memory, when executed by the processor, causes the processor to generate a plurality of zones for a project, each zone defining a set of access rights to: i) a database; and ii) at least one tool. The processor configures each set of access rights to allow a proxy service to access the zones, and receives, from a client device and via the proxy service, an access query to access at least one zone. The processor provides the client device access to, via the proxy service, the at least one dataset and at least one tool of the at least one zone.
    Type: Application
    Filed: November 1, 2023
    Publication date: February 22, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Amir Mahmood MODIR, James Anthony BEGG, ZeZhong ZHENG, Sertac KABADAYI, Tadd AXON, Mark Edward CARTER, Nikita ISLAMOV
  • Patent number: 11907925
    Abstract: In an aspect a computer-implemented method is described. The method may include: causing a point-of-sale terminal processing a transaction to display a machine-readable code, the machine-readable code encoding a web address; receiving a request from a device that scanned the machine-readable code, the request received at the web address and the request including data; determining, based on data encoded in the machine-readable code and data included in the request, that the transaction may be processed using a value-added service; and in response to determining that the transaction may be processed using the value-added service, enabling completion of the transaction using the value-added service.
    Type: Grant
    Filed: January 6, 2021
    Date of Patent: February 20, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: David Samuel Tax, Milos Dunjic, Derek Richard Castell, Anthony Haituyen Nguyen, Bryan Michael Gleeson, Jeffrey Aaron Ecker
  • Patent number: 11907945
    Abstract: The disclosed embodiments include computer-implemented processes that determine, in real time, counterparty geolocation location based on structured messaging data, such as messaging data maintained within message fields of a request-for-payment (RFP) message compliant with the ISO 20022. For example, an apparatus may receive a RFP message that includes message data associated with a transaction involving first and second counterparties, and the RFP message may characterize a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine a geographic position of the first counterparty based the message data, and based on the first geographic position, transmit notification data to a device operable by the second counterparty. The notification data may cause the device to present digital content associated with at least one of the transaction, the first counterparty, or the second counterparty within a digital interface.
    Type: Grant
    Filed: September 2, 2022
    Date of Patent: February 20, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Christopher Mark Jones, Barry Wayne Baird, Jr., Claude Bernell Lawrence, Jr., Jonathan Joseph Prendergast
  • Patent number: 11907308
    Abstract: A computer-implemented method is disclosed. The method includes: obtaining document data for a first web document; identifying one or more tradeable objects based on performing a contextual scan of webpage content of the first web document; generating supplementary display data associated with the first web document, the supplementary display data including one or more user interface elements for initiating data record access actions in connection with at least one data record associated with the one or more identified tradeable objects; and graphically presenting the supplementary display data with the webpage content of the first web document.
    Type: Grant
    Filed: January 25, 2021
    Date of Patent: February 20, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Kyryll Odobetskiy, Daniel Scott Brotherston
  • Publication number: 20240054457
    Abstract: A server computer system comprises a communications module; a processor coupled to the communications module; and a memory coupled to the processor, the memory storing processor-executable instructions which, when executed, configure the processor to store, in a database, an indication that digital receipts are to be provided for all purchases made on a payment card; receive, via the communications module and from a point-of-sale system, a signal requesting an indication that a digital receipt is to be provided for a purchase made on the payment card; consult the database to determine that the digital receipt is to be provided for the purchase made on the payment card; and send, via the communications module and to the point-of-sale system, a signal that includes the indication that the digital receipt is to be provided for the purchase made on the payment card.
    Type: Application
    Filed: August 9, 2022
    Publication date: February 15, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Dinshaw BHARUCHA, Romy MOGHAIZEL, Vingston SATGUNAM, Alexandra Clarissa Marie AMOURGIS
  • Publication number: 20240056319
    Abstract: A computer system comprises a communications module; a processor coupled to the communications module; and a memory coupled to the processor, the memory storing processor-executable instructions which, when executed, configure the processor to receive, via the communications module, a signal that includes an ownership key associated with a digital asset minted on a payment card network; store the ownership key associated with the digital asset in a digital wallet; send, via the communications module and to the payment card network, a signal that includes a request to perform an action on the digital asset using the ownership key; receive, via the communications module and from the payment card network, a signal that indicates permission for the action to be performed on the digital asset; and perform the action.
    Type: Application
    Filed: August 15, 2022
    Publication date: February 15, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Miguel NAVARRO, Levi SUTTER, Joseph S. SANSOTTA, Mohamed ABBAS
  • Patent number: 11902289
    Abstract: A computer-implemented method is disclosed. The method includes: receiving, from a web server associated with a protected resource, a first signal including a request to validate a bearer token submitted by a client device to the web server, the bearer token including a digital signature; validating the bearer token, the validating including verifying the digital signature using a public key associated with an end user of the client device; and in response to validating the bearer token, sending to the web server a second signal including a notification that the bearer token is valid.
    Type: Grant
    Filed: September 22, 2020
    Date of Patent: February 13, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, Anthony Haituyen Nguyen, Yubing Liu, Arthur Carroll Chow, Casey Lyn Doyle, Richard John Frederick Thake, Mengfei Wang, Aaron Ashish Hudali, Gregory Albert Kliewer, Martin Albert Lozon, Yusbel Garcia Diaz, Gareth Daly, Masashi Kobayashi, Randall John Bast
  • Patent number: 11900352
    Abstract: The disclosed embodiments include computer-implemented systems and processes that perform operations that initiate, approve, and execute exchanges of data between network-connected systems, apparatuses, and devices in a computing environment. For example, a network-connected apparatus may receive a first value of a parameter that characterizes an exchange of data initiated at a terminal device, identify a second value of the parameter allocated to the client device. In response to a determination that the first parameter value exceeds the second parameter value, the apparatus may request, and receive, parameter data from an application program executed by the at least one processor. The parameter data may identify a third value of the parameter allocated to the client device by the executed application program, and the apparatus may authorize, based on the second and third parameter values, a performance of the initiated data exchange in accordance with the first parameter value.
    Type: Grant
    Filed: August 11, 2021
    Date of Patent: February 13, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, Perry Aaron Jones Haldenby, John Jong-Suk Lee
  • Patent number: 11900132
    Abstract: The disclosed embodiments include computer-implemented systems and processes that dynamically and selectively modify portions of a displayed interface to include interface elements that, when selected by a user through a single provided input, initiate a performance of a data exchange in accordance with parameter values consistent with prior initiated data exchanges. For example, a communications device may display, on a display unit, a first interface element representative of a first data exchange and may receive expected values of parameters that characterize the second data exchange. When a determined parameter value is consistent with the expected parameter values, the communications device may modify the first interface element and present, on the display unit, the modified first interface element and a second interface element within the interface.
    Type: Grant
    Filed: June 14, 2017
    Date of Patent: February 13, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Alexander Kiriakou, Milos Dunjic, Arthur Carroll Chow, John Jong-Suk Lee, Arun Victor Jagga
  • Patent number: 11895095
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authenticate device identity and authorize exchanges of data in real-time based on dynamically generated cryptographic data. For example, an apparatus may receive a first signal that includes a first cryptogram associated with a client device, and may perform operations that authenticate an identity of the client device based on a comparison of the received first cryptogram and a second cryptogram generated by a computing system associated with an application program executed by the client device. In response to the authenticated identity, the apparatus may load profile data associated with the client device from a storage unit, and perform operations consistent with the profile data in accordance with the authenticated identity.
    Type: Grant
    Filed: July 21, 2021
    Date of Patent: February 6, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Dino Paul D'Agostino, Perry Aaron Jones Haldenby, Dean C. N. Tseretopoulos, Jeffrey Aaron Ecker, Adam Douglas McPhee, Milos Dunjic, John Jong-Suk Lee, Arun Victor Jagga
  • Publication number: 20240037019
    Abstract: A system for testing applications is disclosed. The system includes one or more processors, one or more communications modules coupled to the one or more processors to enable communications between services provided by the system, and at least one memory coupled to the one or more processors. The at least one memory stores computer executable instructions to enable a plurality of virtualized test services, each virtualized test service at least in part emulating dependent server responses to application operations. The instructions enable a load-balancing service for communication with the plurality of virtualized test services, and test an application based on a load, by directing the application to interact with the plurality of virtualized test services that are available, while avoiding communicating with the dependent servers during testing. The load-balancing service balances the testing of the application between the plurality of virtualized test services that are available.
    Type: Application
    Filed: July 27, 2022
    Publication date: February 1, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Kevin AIRD, Aayush KATHURIA, Periyakaruppan SUBBUNARAYANAN
  • Publication number: 20240037087
    Abstract: In an aspect a computer system is configured to: receive accelerated transfer definition data defining one or more conditions for accelerating a transfer; obtain a due date for completing the transfer; initiate the transfer in response to the earlier of: determining that at least one of the conditions for accelerating the transfer have occurred; and determining that a current date is within a defined proximity of the due date for completing the transfer.
    Type: Application
    Filed: July 28, 2022
    Publication date: February 1, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Jonathan Joseph PRENDERGAST, Thomas Osman KELLY, Sultan HARB, Hitesh BAJAJ
  • Publication number: 20240037270
    Abstract: A method, device and memory for providing access to remotely stored data is provided. The method includes providing an interface capable of communicating with a remote computing environment storing a plurality of data sets. The method includes receiving a request, via the interface, to access at data sets according to access parameters. The method includes applying a first set of masking parameters when the data sets are accessed via respective views. The method includes satisfying the request by granting access to the views associated with the data sets, without copying the data sets. The views enable data from the data sets to be viewed as masked according to the first set of masking parameters, and the views are masked according to a second set of masking parameters associated with the access parameters.
    Type: Application
    Filed: August 15, 2022
    Publication date: February 1, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Sherman CHUNG, Nikita ISLAMOV, Upal Sayeed HOSSAIN
  • Publication number: 20240037640
    Abstract: A computer-implemented method is disclosed. The method includes: receiving a second request to create a first service object instance of a first service object; identifying a first set of service object instances that are related to the first service object instance based on at least a time associated with the first service object instance and a first service location; obtaining location data associated with a first set of service object instances; determining a geographical area associated with a second request based on the location data associated with the first set of service object instances and a first service location; and causing to be displayed, in a map interface, an interactive map UI element showing a map region corresponding to the geographical area, the map UI element including graphical representations of the first service object instance, the first set of service object instances, and a current location associated with the merchant.
    Type: Application
    Filed: July 29, 2022
    Publication date: February 1, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Daniel Scott BROTHERSTON, Anil Stewart BAKHLE, Matthew Renold LADZIK, Stefany PANTUSO
  • Publication number: 20240039736
    Abstract: A computer-implemented method is disclosed. The method includes: receiving, via a client device, a resource transfer request for resources to be transferred to a transferee account; generating a secure data object based on request data of the resource transfer request, the secure data object including a first hash computed based on an input string comprising a transferee account identifier; signing the secure data object using a private key of a transferee resource account management system; and sending the signed secure data object to a messaging address associated with a transferor account.
    Type: Application
    Filed: October 6, 2023
    Publication date: February 1, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Milos DUNJIC, Asad JOHEB, David Samuel TAX
  • Publication number: 20240039993
    Abstract: A system, method and memory for managing remotely stored data is disclosed. The system includes a processor, a communications module, and a memory. Instructions stored on the memory cause the processor to provide an agent within a remote computing environment (RCE) with access to data stored on the RCE and custom applications. Another agent on a local computing environment capable of communicating with the agent is provided. The other agent has access to configuration files. The other agent instructs the agent to execute custom applications based on the configuration files. The other agent receives metadata of the data in response to triggering the agent. The instructions cause the processor to populate, via the other agent, a catalogue of the plurality of data within the remote computing environment based on the received plurality of metadata, and provide the catalogue for display for reviewing the plurality of data.
    Type: Application
    Filed: July 29, 2022
    Publication date: February 1, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Sherman CHUNG, Nikita ISLAMOV, Upal Sayeed HOSSAIN
  • Patent number: 11887145
    Abstract: A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to during an active web session within a web browser executing on a computing device determine that a web page active within the web browser is eligible for loyalty point redemption; and send, via the communications module and to the computing device, a signal to modify the web page active within the web browser to display at least one selectable option associated with offsetting a purchase price of at least one item using loyalty points from a loyalty points account.
    Type: Grant
    Filed: May 6, 2022
    Date of Patent: January 30, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Sahana Dorai, Nolan Glynn-Udrow
  • Patent number: 11886501
    Abstract: A processor-implemented method is disclosed. The method includes: obtaining identifying information for one or more tradeable objects associated with an entity; receiving, from at least one media data source, video data for one or more videos, the video data including content indicator tags associated with the one or more videos; identifying a first subset of the one or more videos based on: performing textual comparison between the content indicator tags associated with the one or more videos and identifiers associated with the one or more tradeable objects; and selecting videos for inclusion in the first subset based on the comparison; and sending, to a client device, an indication of the first subset of videos.
    Type: Grant
    Filed: September 24, 2021
    Date of Patent: January 30, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Jeffrey Lee Beck, Jeffrey John Wojcicki, Ravi Rampersad, Philip P. Clarkin
  • Patent number: 11886603
    Abstract: A method for signing an electronic document is disclosed. The method includes: receiving, from a first client device: a first electronic document in a first state, the first electronic document containing first data in the first state; a first indication of approval for the first electronic document in the first state; and a selection of one or more second client devices; sending, to each of the one or more second client devices, an invite to access the first electronic document in the first state, each invite including a link to access the first electronic document; receiving, from at least one of the one or more second client devices, a second indication of approval for the first electronic document in the first state; validating the second indications of approval; in response to the validating, submitting a locked form version of the first electronic document to a virtual document signing ceremony.
    Type: Grant
    Filed: July 16, 2018
    Date of Patent: January 30, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Avinash Malliah, Gregory Boddison, Angelique Louise Carle