Patents Assigned to The Toronto-Dominion Bank
  • Patent number: 11941351
    Abstract: Methods and systems for providing a graphical user interface to a computing device are described.
    Type: Grant
    Filed: August 18, 2020
    Date of Patent: March 26, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: John Michael Collinson, Christopher William Cooney, Russell Voutour, Marie-Julie Demers, Arun Victor Jagga, John Jong-Suk Lee
  • Patent number: 11941144
    Abstract: In an aspect, the present application may describe a method that comprises monitoring a risk parameter associated with a third party server to detect a change in the risk parameter, and responsive to detecting the change in the risk parameter, sending, to a remote computing device and via the communications module, a notification that includes a first selectable option to modify data sharing associated with the third party server and a second selectable option to replace the third party server with an alternative third party server.
    Type: Grant
    Filed: January 28, 2022
    Date of Patent: March 26, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, Anthony Haituyen Nguyen, Gregory Albert Kliewer, David Samuel Tax, Sairam Srinivasa Poguluru, Shishir Dattatraya Bhat
  • Patent number: 11941703
    Abstract: Methods and systems for facilitating photo-based estimation are described. In an aspect, a server is configured to send via a communications module to a remote computing device a first signal comprising a chat interface. The server may receive, via the communications module and from the remote computing device, a second signal representing input received at the remote computing device through the chat interface. The server may identify an account associated with the remote computing device and retrieve policy data associated with the identified account from the data store. The server may automatically evaluate the input and policy data against predetermined criteria to determine whether a claim has a low risk level and, when the claim is determined to have a low risk level, engage a photo-based estimation module.
    Type: Grant
    Filed: October 20, 2021
    Date of Patent: March 26, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Denny Devasia Kuruvilla, Esli Gjini, Sarah Reeve, Harjot Singh Panag, Justin Seto, Naomi Sarah Feth, Anurag Thakur
  • Publication number: 20240095819
    Abstract: A computer-implemented method is disclosed. The method includes: obtaining historical operations data for a resource account, the historical operations data identifying account operations performed by a user in connection with the resource account; generating display data for a graphical user interface for accessing the resource account, the display data including user interface elements associated with a first set of highest priority account operations that are selected based on the historical operations data for the resource account; obtaining user engagement data representing user interaction with the graphical user interface, the user engagement data identifying at least one account operation; identifying a second set of highest priority account operations based on the user engagement data; generating updated display data for the graphical user interface associated with the second set of highest priority account operations; and providing, to a client device for display thereon, the updated display data.
    Type: Application
    Filed: September 16, 2022
    Publication date: March 21, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Anil Stewart BAKHLE, Ronald Allan KIELSTRA, Grace Yip, Lyn Michelle CRUZ
  • Publication number: 20240095071
    Abstract: A computer server 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 obtain an indication of scheduled access to a first node class of a shared resource; determine that a second node class of the shared resource is available; and schedule access to the second node class of the shared resource in place of the scheduled access to the first node class of the shared resource.
    Type: Application
    Filed: September 16, 2022
    Publication date: March 21, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Danielle Jacqueline NELLICH, Lydia Grace CERVINI, Antonio Katipunan MARASIGAN
  • Publication number: 20240094960
    Abstract: A computer-implemented method is disclosed. The method includes: receiving an initiation request for a data transfer associated with a terminal; determining that a resource external to the first logical storage area should be accessed to complete the data transfer; in response to determining that the resource external to the first logical storage area should be accessed to complete the data transfer, triggering a query message to an electronic device accessible to an entity associated with the first logical storage area, the query message prompting for an instruction to access the resource external to the first logical storage area to complete the transfer; receiving, from the electronic device, an instruction to access the resource external to the first logical storage area to complete the transfer; and in response to receiving the instruction, effecting the transfer using the resource external to the first logical storage area.
    Type: Application
    Filed: September 19, 2022
    Publication date: March 21, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Milos DUNJIC, David Samuel TAX, Kushank RASTOGI, Thomas Osman KELLY, Pranay Chander GUPTA, Hitesh BAJAJ, Asad JOHEB
  • Patent number: 11935528
    Abstract: Systems, devices and methods for delivering audible alerts are described. In one aspect, an event for generating an audible alert for a user is detected. In response to detection of the event for generating the audible alert, it is determined whether an authorized audible interface device is within a threshold distance of the user based on a location of the user and a location of one or more authorized audible interface devices. In response to determining that an audible interface device is within the threshold distance of the user, alert instructions for the audible interface device are generated. The alert instructions cause the audible interface device to generate the audible alert in accordance with alert data provided in the alert instructions. The alert instructions are sent to the audible interface device over a wireless network via a communication module.
    Type: Grant
    Filed: March 2, 2021
    Date of Patent: March 19, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Nasim Sarir, Steven Gervais, Peter Horvath, Ekas Kaur Rai, Peter John Alexander, Arun Victor Jagga
  • Patent number: 11935088
    Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.
    Type: Grant
    Filed: December 8, 2022
    Date of Patent: March 19, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Adrian Bloy, Danielle Marie Mullenax, Dominic Elia, Michael James Taggart, Lance Lucas Leisher, Arlene Lori Maciver, Christiane Jewer, Ameya Warty, Javon Tavoy Findlator, Sean Michael Mullen, Stacey-Anne Callender, Jeffery Macdonald, Sheirline Hanna
  • Patent number: 11932134
    Abstract: An electric vehicle charger includes a power supply and a controller. The power supply is for supplying electric power over a charging connection to an electric vehicle. The charging connection employs charging conductors to supply electric power from the power supply to the electric vehicle for charging. The power supply is adapted to send data to and receive data from the electric vehicle over the charging conductors according to a power-line communications protocol. The controller coupled to the power supply to control supply of electric power to the electric vehicle, The controller is adapted to, prior to initiating supply of electric power by the power supply to the electric vehicle for charging, communicate with the electric vehicle to identify a payment method associated with the electric vehicle and with the payment network to authorize the payment method for payment for electric power supplied to the electric vehicle for charging.
    Type: Grant
    Filed: December 15, 2022
    Date of Patent: March 19, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, Asad Joheb, Vipul Kishore Lalka, Ravivarma Raveenthran
  • Patent number: 11934297
    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: Grant
    Filed: July 27, 2022
    Date of Patent: March 19, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Kevin Aird, Aayush Kathuria, Periyakaruppan Subbunarayanan
  • Patent number: 11935025
    Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that perform a real-time delegated approval of initiated data exchanges by network-connected devices. For example, an apparatus determines determine a value of a parameter that characterizes an exchange of data and a first data type involved in the data exchange, and generates and transmits a first signal to a communications device associated with a second data type available for use in the data exchange and associated with the first data type. The apparatus receives, from the communications device, a second signal that includes information indicative of an approval of the second data type for use in the data exchange, and in response to the received approval, the apparatus performs the data exchange using the second data type and in accordance with the parameter value.
    Type: Grant
    Filed: August 11, 2021
    Date of Patent: March 19, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, Perry Aaron Jones Haldenby, Arthur Carroll Chow, David Samuel Tax, John Jong-Suk Lee, Arun Victor Jagga
  • Patent number: 11934375
    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: Grant
    Filed: July 28, 2022
    Date of Patent: March 19, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Jonathan Joseph Prendergast, Thomas Osman Kelly, Sultan Harb, Hitesh Bajaj
  • Publication number: 20240086786
    Abstract: A computer-implemented method for providing location-based appointment operations is disclosed. The method includes receiving input indicating an instruction to perform an action related to appointments. Responsive to the input indicating the instruction to perform the action related to appointments, it may be determined that a computing device is proximate to a physical location where locations are schedulable. Then, responsive to determining that the computing device is proximate to the physical location, information related to scheduling appointments at the physical location is received via a network. The indication based on the received information is presented at the computing device. Input requesting an action in relation to an appointment at the physical location may be received at the computing device. An indication to initiate the requested action may be sent via the network. Related computing devices and computer-readable media are also disclosed.
    Type: Application
    Filed: November 22, 2023
    Publication date: March 14, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Miguel NAVARRO, Levi SUTTER, Aparicio GIDDINS, JR.
  • Publication number: 20240086992
    Abstract: A processor-implemented method is disclosed.
    Type: Application
    Filed: November 23, 2023
    Publication date: March 14, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Davide IANNUZZI, Jeffrey MACDONALD, Goran ILKANIZADEH
  • Publication number: 20240087008
    Abstract: In an aspect, a method performed at a server includes: receiving an electronic message indicating an expected transfer, the message indicating at least a quantity of resources associated with the expected transfer and a value date associated with the expected transfer; detecting a trigger condition associated with the expected transfer; in response to detecting the trigger condition associated with the expected transfer, determining whether a transfer associated with the expected transfer has been made; and in response to determining that the expected transfer has not been made, providing a notification to a client device associated with a recipient of the expected transfer.
    Type: Application
    Filed: November 21, 2023
    Publication date: March 14, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Carlos Alejandro KADE, Anne Marie MORISSETTE, Vijay KUMAR, Caroline BANDIERA, Adriann Teresa COE
  • Publication number: 20240087010
    Abstract: An automated teller machine comprises a communications module; an image module; a processor; and a memory coupled to the processor storing instructions that, when executed by the processor, configure the processor to receive a first cheque for deposit; engage the image module to capture an image of the first cheque; send, via the communications module and to a server computer system, a signal that includes the image of the first cheque for acceptance; send, via the communications module and to an automated teller machine switch, a signal that includes a request for transaction authorization approval based on the first cheque; receive, via the communications module and from the server computer system, a signal that includes an indication of acceptance of the image of the first cheque; receive, via the communications module and from the automated teller machine switch, a signal that includes an indication of approval of the request for the transaction authorization based on the first cheque; and responsive to r
    Type: Application
    Filed: November 23, 2023
    Publication date: March 14, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: A. Warren PRATTEN, Anthony Wayne MILES, Graham Allan ANDERSON, Tristan RODZEN, David H. SCHLEICHER, Robert John FARMER, Giovanni FAVRETTO, Chico Chi-Kuo LAM
  • Publication number: 20240086557
    Abstract: A computer-implemented method is disclosed. The method includes: sending, to a plurality of computing devices, an invitation containing a link to access a first electronic document in a first state; detecting a change in state of the first electronic document from the first state to a second state; identifying a first subset of the computing devices including devices that did not provide any indication of approval for the first electronic document and devices that have already received requests for updated approvals for the first electronic document; sending, to a second subset of the computing devices that are not included in the first subset, requests to provide indications of approval for the first electronic document in the second state; and responsive to receiving indications of approval for the first electronic document from computing devices of the second subset, generating a locked form of the first electronic document in the second state.
    Type: Application
    Filed: November 22, 2023
    Publication date: March 14, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Avinash MALLIAH, Gregory BODDISON, Angelique Louise CARLE
  • Patent number: 11928626
    Abstract: A system and method are provided for persisting data generated in executing a process workflow. The method is executed by a device having a communications module and includes receiving via the communications module messages exchanged in executing the process workflow by a message broker. The method also includes using a writer service to disassemble each received message into multiple properties according to a database schema and persist the received message in a database according to the database schema via the communications module. The method also includes using a reader service to access the database and assemble the multiple properties of a first persisted message, in response to a read request received via the communications module, wherein the reader service is separate from the writer service.
    Type: Grant
    Filed: April 23, 2021
    Date of Patent: March 12, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Joseph Vincent Scarfutti, Christian Caberoy De La Peña, Aneesha Suresh Bulchandani
  • Patent number: 11928351
    Abstract: A 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 by the processor, configure the processor to receive, via the communications module, a transfer instruction for transfer of data from a first data record associated with a transferor to a second data record associated with a recipient, the transfer instruction including a transfer amount and a condition associated with the transfer; send, via the communications module, a notification of the transfer instruction to a computing device associated with the recipient and request permission to obtain contextual data therefrom; when permission is granted, obtain, via the communications module, contextual data from the computing device; determine, based on the contextual data, that the condition associated with the transfer has been satisfied; and in response to determining that the condition associated with the t
    Type: Grant
    Filed: August 22, 2022
    Date of Patent: March 12, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, David Samuel Tax, Vipul Kishore Lalka
  • Patent number: 11928112
    Abstract: Systems and methods are provided that use a trained process to reply to a request comprising query data defining a query and context data defining contextual factors for the query from a device. The query is answered by one or more selected APIs of a plurality of APIs that invoke respective services to prepare a response. The trained process determines an execution plan responsive to the query data and the context data and is configured using training to define execution plans comprising selected APIs where a particular API is selected for the plan if it answers at least a portion of the query and the selected APIs together prepare the response optimized for the device according to the context data. The plan is provided to an execution component to execute the plan using the selected APIs and send the response to the requesting device.
    Type: Grant
    Filed: April 23, 2021
    Date of Patent: March 12, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, Martin Albert Lozon, David Samuel Tax, Arthur Carroll Chow, Peter Glen Nairn, Edward James Hood, John Jong-Suk Lee, Arun Victor Jagga