Patents Assigned to The Toronto-Dominion Bank
  • 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
  • Patent number: 11887186
    Abstract: Computer systems and methods for managing resources are described.
    Type: Grant
    Filed: May 18, 2021
    Date of Patent: January 30, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Carlos Alejandro Kade, Anne Marie Morissette, Vijay Kumar, Caroline Bandiera, Adriann Teresa Coe
  • Patent number: 11887106
    Abstract: Methods and devices for provisioning a secure application on an electronic device with first issuer data for a first issuer are described. In an embodiment, the provisioning system receives and stores first issuer records. The example provisioning system receives a provisioning request to provision the secure application with the first issuer data. The provisioning request includes identifying information. The example provisioning system evaluates the provisioning request based on at least one of the first issuer evaluation criteria, the first issuer records and the identifying information in the provisioning request. When the provisioning request satisfies the first issuer evaluation criteria, the example provisioning system generates a signal using the communication module to provide the first issuer data to the electronic device to provision the secure application on the electronic device.
    Type: Grant
    Filed: November 18, 2022
    Date of Patent: January 30, 2024
    Assignee: THE TORONTO-DOMINION BANK
    Inventors: Hisham Ibrahim Salama, Paul Mon-Wah Chan, John Jong Suk Lee
  • Patent number: 11888854
    Abstract: A computer-implemented method is disclosed. The method includes: receiving an authentication request to authenticate a first entity with a first service; in response to receiving the authentication request: identifying an access-restricted first data record associated with the first entity; generating a message associated with a first transfer of resources between the first data record and a designated second data record, the message identifying one of the first and second data records as a recipient data record for the first transfer and defining a first quantity of resources to transfer; and transmitting the message to a first server associated with the first entity, the first server requiring user authentication to access the message; determining a completion status of the first transfer; and generating a response to the authentication request based on the completion status of the first transfer.
    Type: Grant
    Filed: August 23, 2021
    Date of Patent: January 30, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, David Samuel Tax, Kushank Rastogi, Asad Joheb, Lisa Marie Bast, Vipul Kishore Lalka
  • Publication number: 20240028619
    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, from at least one big data source, a big data dataset that includes transaction data; categorize the transaction data into a number of data buckets; analyze the transaction data from at least one of the data buckets to generate at least one graphical user interface to display at least some of the transaction data from the at least one of the data buckets, the at least one graphical user interface including at least one selectable interface element to adjust a display of the graphical user interface; and send, via the communications module and to a computing device, the at least one graphical user interface for display.
    Type: Application
    Filed: July 20, 2022
    Publication date: January 25, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Gurpreet Singh SOIN, Murtaza Ally AGHA
  • Publication number: 20240028581
    Abstract: A device, method and system for loading data into a remote computing environment is disclosed. The method includes receiving a request to load a new data set into a remote computing environment, the new data set impacting a data set stored thereon. The method includes identifying one or more changes to a current representation of the data set within the new data set, the one or more changes replacing information in the current representation. The method includes transmitting the identified one or more changes to a data store persisting the current representation. The method includes transmitting the replaced information to a data store persisting a previous representation of the data set. The method includes transmitting other information in the new data set that is determined to be invalid data to a data store persisting an invalid data set associated with the data set.
    Type: Application
    Filed: July 20, 2022
    Publication date: January 25, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Andrew Kai Ming YAM, Adrian Ariel IONESCU, Upal Sayeed HOSSAIN, George KNAPP
  • Publication number: 20240028398
    Abstract: A system, device, and method for ingesting data into a remote computing environment are provided. The example device comprises a processor, a communications module, and a memory. The processor executes instructions on the memory to receive a data file, and extract metadata from the data file. The extracted metadata comprises at least one property of the data file. A configuration file, from a plurality of configuration files, that is associated with the data file is determined. The determination is performed, at least in part, based on correlating the extracted metadata with data file types used by the determined configuration file. The data file is ingested for storage in a remote computing environment based on the determined configuration file.
    Type: Application
    Filed: July 20, 2022
    Publication date: January 25, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Andrew Kai Ming YAM, Adrian Ariel IONESCU, Upal Sayeed HOSSAIN, George KNAPP
  • Publication number: 20240028264
    Abstract: A system, method and device for ingesting data files into remote computing environments is disclosed. The method includes receiving a plurality of data files and processing same according to a modified round-robin (MRR) process. The MRR assigns data files for processing by determining which of a plurality of remote processors are active, and by determining an amount of queued processing for the active remote processors. The method includes assigning each data file of the plurality of data files to a remote processor of the plurality of remote processors based on the remote processor (1) being active, and (2) having a relatively lower amount of queued processing. The method includes instructing a storage writer to store processed data files.
    Type: Application
    Filed: July 20, 2022
    Publication date: January 25, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Andrew Kai Ming YAM, Adrian Ariel IONESCU, Upal Sayeed HOSSAIN, George KNAPP
  • Patent number: 11880709
    Abstract: A system, method, and memory for handling real-time transactional events is disclosed. The exemplary system a processor to detect and add an event to a queue and identify an associated event type. Event types can require downstream processing by at least one provider. The processor decomposes the event into tasks by comparison to event types which associate downstream provider requirements to tasks and routes. One or more routes are assigned to the tasks, each route defined by at least one processor of a plurality of processors. One or more routes are defined by transmitting a request for downstream processing to the at least one provider. The processor, upon detecting incomplete performance of the one or more routes, either updates the tasks associated with the incomplete route, or marks the event associated with the route as incomplete in the queue.
    Type: Grant
    Filed: January 4, 2022
    Date of Patent: January 23, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Syrous Delavari-Maraghi, Carlton Anthony Raymond, Alexandre Granzer-Guay
  • Patent number: 11882126
    Abstract: A computer-implemented method is disclosed.
    Type: Grant
    Filed: April 14, 2022
    Date of Patent: January 23, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, David Samuel Tax, Gregory Albert Kliewer
  • Patent number: 11880822
    Abstract: A computer-implemented method allows initiating activation in augmented reality of an un-activated physical token. The method includes displaying an augmented reality version of an environment including the physical token. Displaying the augmented reality version of the environment includes capturing an image of a portion of the environment including the physical token; presenting a display of augmented reality corresponding to the portion of the environment by compositing the image of the portion of the environment with a graphical, interactive user interface control, the user interface control positioned in a defined position in augmented reality relative to the physical token. The method further includes, responsive to receipt of input corresponding to an interaction with the user interface control, initiating activation of the physical token. Related computer systems and computer-readable media are also disclosed.
    Type: Grant
    Filed: December 29, 2020
    Date of Patent: January 23, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Levi Sutter, Miguel Navarro
  • Patent number: 11880875
    Abstract: A processor-implemented method is disclosed.
    Type: Grant
    Filed: April 1, 2021
    Date of Patent: January 23, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Davide Iannuzzi, Jeffrey MacDonald, Goran Ilkanizadeh
  • Patent number: 11880811
    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 analyze historical data transfers within one or more resource accounts to generate a data budget; receive a signal indicating a data transfer request; analyze the data transfer request and, based on the data budget, determine an affordability of the data transfer; responsive to determining that the data transfer is not affordable from one of the resource accounts, generate one or more recommendations to afford the data transfer; and send, via the communications module and to a computing device, a signal causing the computing device to display a notification that includes the one or more recommendations to afford the data transfer.
    Type: Grant
    Filed: August 19, 2021
    Date of Patent: January 23, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Tomasz Pawelkiewicz, Rachit Srivastava, Nima Habibi Beltijeh, Dalbir Channa
  • Patent number: 11882222
    Abstract: The disclosed embodiments include computer-implemented processes that, using a distributed notarized ledger, constrain an ability of multiple parties to simultaneously, or near simultaneously, update or modify elements of reference data maintained within a centralized data store. For example, an apparatus may receive, from a first computing system, a request to modify reference data maintained at a second computing system. The apparatus may approve the first requested modification to the reference data based on a notarization criterion maintained within an element of a notarized distributed ledger, and perform operations that record notarization data characterizing the approved modification within an additional element of the notarized distributed ledger. The apparatus may also transmit the notarization data to the first computing system, and the notarization data causing an application program executed by the first computing system to modify local reference data in accordance with the notarization data.
    Type: Grant
    Filed: September 25, 2020
    Date of Patent: January 23, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Timothy Willem Ubbens, Arthur Carroll Chow, Sidharth Kumar Varma, James Thomas Hensley, Alexey Shpurov
  • Publication number: 20240020163
    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 monitor resource consumption data to identify a first resource type being provided to a resource requester at a periodic rate; identify a second resource type to replace or offset the first resource type at the periodic rate; and perform operations to automatically provide the second resource type to replace or offset the first resource type at the periodic rate.
    Type: Application
    Filed: July 18, 2022
    Publication date: January 18, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Sara COLLIS, Alexander Christian Raphael VENDITTI, Dinshaw BHARUCHA, David REILLY, Goran ILKHANIZADEH
  • Patent number: 11875375
    Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically modifying a financial product associated with a user, where the modified financial product is associated with an updated benefit at a partner system. One example method comprises receiving an indication of acceptance associated with a particular partner-related product for replacing a current product associated with a first customer. At least one term or condition associated with the particular partner-related product different than terms or conditions associated with the at least one current product are identified, including a change to at least one benefit associated with the partner system. The terms associated with the current product are modified without changing the unique identifier, and an indication of the at least one updated benefit associated with the partner system is transmitted to the partner system for immediate usage by the first customer.
    Type: Grant
    Filed: March 25, 2022
    Date of Patent: January 16, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Adrian Bloy, Daniel Lam Tin Cheung, Asgar Maleki, Michael James Taggart
  • Patent number: 11876772
    Abstract: A computer-implemented method is disclosed.
    Type: Grant
    Filed: February 17, 2021
    Date of Patent: January 16, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Arthur Carroll Chow, Tae Gyun Moon, Sangeeta Mathew, Darius Braziunas, Dino Paul D'Agostino