Patents by Inventor Marc CHALIFOUX
Marc CHALIFOUX has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
-
Publication number: 20230394452Abstract: Configuring data transfers based on electronic messages. A system includes a communication module, a processor, and a memory. The memory stores instructions that, when executed, configure the processor to: receive, from a client device, an authentication credential and associate the authentication credential with a client record. The processor identifies, based on delegated access to query a message account at a message server, a resource request message associated with the message account using a defined criteria. The processor obtains, based on the resource request message, a resource parameter to define a proposed resource transfer to a recipient entity. The processor generates and transmits, to the client device, a transfer request alert based on the proposed resource transfer for display at the client device. In response to receiving, from the client device, a selection of a selectable option, the processor allocates a resource to the recipient entity.Type: ApplicationFiled: August 23, 2023Publication date: December 7, 2023Applicant: The Toronto-Dominion BankInventors: Christopher Mark JONES, Marc CHALIFOUX, Sara KNECHTEL
-
Patent number: 11797962Abstract: Configuring data transfers based on electronic messages. A system includes a communication module, a processor, and a memory. The memory stores instructions that, when executed, configure the processor to: receive, from a client device, an authentication credential and associate the authentication credential with a client record. The processor identifies, based on delegated access to query a message account at a message server, a resource request message associated with the message account using a defined criteria. The processor obtains, based on the resource request message, a resource parameter to define a proposed resource transfer to a recipient entity. The processor generates and transmits, to the client device, a transfer request alert based on the proposed resource transfer for display at the client device. In response to receiving, from the client device, a selection of a selectable option, the processor allocates a resource to the recipient entity.Type: GrantFiled: June 10, 2019Date of Patent: October 24, 2023Assignee: The Toronto-Dominion BankInventors: Christopher Mark Jones, Marc Chalifoux, Sara Knechtel
-
Patent number: 11763279Abstract: In an aspect, the present application describes a computer system. The computer system includes a communications module and a processor coupled to the communications module. The computer system include a memory coupled to the processor storing instructions that, when executed by the computer system, cause the computer system to: receive, from an automated teller machine (ATM) and via the communications module, an indication of a deposit of a value instrument; save, in the memory, a retention instruction including an associated temporal period, the retention instruction preventing withdrawal of value instruments corresponding to an amount of the deposit; receive, via the communications module, an instruction to process a data transfer to a recipient, the data transfer to the recipient accessing at least a portion of the deposit; and process the data transfer to the recipient during the temporal period using at least a portion of the deposit.Type: GrantFiled: July 21, 2021Date of Patent: September 19, 2023Assignee: The Toronto-Dominion BankInventors: Christopher Mark Jones, Marc Chalifoux
-
Publication number: 20210350347Abstract: In an aspect, the present application describes a computer system. The computer system includes a communications module and a processor coupled to the communications module. The computer system include a memory coupled to the processor storing instructions that, when executed by the computer system, cause the computer system to: receive, from an automated teller machine (ATM) and via the communications module, an indication of a deposit of a value instrument; save, in the memory, a retention instruction including an associated temporal period, the retention instruction preventing withdrawal of value instruments corresponding to an amount of the deposit; receive, via the communications module, an instruction to process a data transfer to a recipient, the data transfer to the recipient accessing at least a portion of the deposit; and process the data transfer to the recipient during the temporal period using at least a portion of the deposit.Type: ApplicationFiled: July 21, 2021Publication date: November 11, 2021Applicant: The Toronto-Dominion BankInventors: Christopher Mark JONES, Marc CHALIFOUX
-
Patent number: 11100480Abstract: In an aspect, the present application describes a computer system. The computer system includes a communications module and a processor coupled to the communications module. The computer system include a memory coupled to the processor storing instructions that, when executed by the computer system, cause the computer system to: receive, from an automated teller machine (ATM) and via the communications module, an indication of a deposit of a value instrument; save, in the memory, a retention instruction including an associated temporal period, the retention instruction preventing withdrawal of value instruments corresponding to an amount of the deposit; receive, via the communications module, an instruction to process a data transfer to a recipient, the data transfer to the recipient accessing at least a portion of the deposit; and process the data transfer to the recipient during the temporal period using at least a portion of the deposit.Type: GrantFiled: June 5, 2019Date of Patent: August 24, 2021Assignee: THE TORONTO-DOMINION BANKInventors: Christopher Mark Jones, Marc Chalifoux
-
Publication number: 20210110363Abstract: Computer-implemented methods for automatically identifying and configuring transfer targets in a transaction system are disclosed. Such a method may include: identifying a location associated with a first account. The first account may be associated with an account holder. A set of known transfer targets associated with the identified location is identified. Based on transaction data for one or more accounts associated with the account holder, a processor identifies transactions involving the transfer targets. One or more transactions involving a particular one of the transfer targets may be determined to correspond to one or more transfers to the particular one of the transfer targets. A prompt for presentation by a client device to add the particular one of the transfer targets to a transfer interface may then be generated. Related systems and computer-readable media are also disclosed.Type: ApplicationFiled: October 9, 2019Publication date: April 15, 2021Applicant: The Toronto-Dominion BankInventors: Christopher Mark JONES, John William THOMAS, Marc CHALIFOUX, Jonathan Joseph PRENDERGAST, Michael Thomas DELAVEAGA, Mohammad Fahad KHAN
-
Publication number: 20210082040Abstract: A method of processing a value transfer by a computer system may include obtaining an amount of a value transfer to be made using a primary transfer source. Responsive to determining that an available transfer quantity associated with the primary transfer source for effectuating the value transfer is less than the amount of the value transfer, a selectable option to use an existing secondary transfer source for effectuating at least a portion of the instructed value transfer is provided. Responsive to receiving, based on the selectable option to use the existing secondary transfer source for effectuating at least the at least a portion of the instructed value transfer, a transfer of value using the existing secondary transfer source for effectuating the at least a portion of the instructed value transfer is initiated. Related computer systems and methods are also disclosed.Type: ApplicationFiled: September 16, 2019Publication date: March 18, 2021Applicant: The Toronto-Dominion BankInventors: Christopher Mark JONES, Nasim SARIR, Marc CHALIFOUX, Sara KNECHTEL, Mohammad Fahad KHAN
-
Publication number: 20200387878Abstract: Configuring data transfers based on electronic messages. A system includes a communication module, a processor, and a memory. The memory stores instructions that, when executed, configure the processor to: receive, from a client device, an authentication credential and associate the authentication credential with a client record. The processor identifies, based on delegated access to query a message account at a message server, a resource request message associated with the message account using a defined criteria. The processor obtains, based on the resource request message, a resource parameter to define a proposed resource transfer to a recipient entity. The processor generates and transmits, to the client device, a transfer request alert based on the proposed resource transfer for display at the client device. In response to receiving, from the client device, a selection of a selectable option, the processor allocates a resource to the recipient entity.Type: ApplicationFiled: June 10, 2019Publication date: December 10, 2020Applicant: The Toronto-Dominion BankInventors: Christopher Mark JONES, Marc CHALIFOUX, Sara KNECHTEL
-
Publication number: 20200387876Abstract: In an aspect, the present application describes a computer system. The computer system includes a communications module and a processor coupled to the communications module. The computer system include a memory coupled to the processor storing instructions that, when executed by the computer system, cause the computer system to: receive, from an automated teller machine (ATM) and via the communications module, an indication of a deposit of a value instrument; save, in the memory, a retention instruction including an associated temporal period, the retention instruction preventing withdrawal of value instruments corresponding to an amount of the deposit; receive, via the communications module, an instruction to process a data transfer to a recipient, the data transfer to the recipient accessing at least a portion of the deposit; and process the data transfer to the recipient during the temporal period using at least a portion of the deposit.Type: ApplicationFiled: June 5, 2019Publication date: December 10, 2020Applicant: The Toronto-Dominion BankInventors: Christopher Mark JONES, Marc CHALIFOUX