The Toronto-dominion Bank

Daniel Lam Tin Cheung

Adrian Bloy

Asgar Maleki

Danielle Marie Mullenax

Kevin Yuen

John Jong-Suk Lee

Arun Victor Jagga

Ryan Edmund Vekeman

Connie Maun-Fong Chan

Michael James Taggart

Sebastien Forget

Sébastien Forget

John Jong Lee

The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying, at a merchant application, a request to perform a credit application process associated with a particular user via a client application. The credit application process is associated with a financial institution, and the merchant application stores a set of user accounts, each associated with a merchant-specific identifier identifying the particular user profile at the merchant. An interactive application is presented within the merchant application, and information associated with the completed application is transmitted to an API associated with the financial institution with the merchant-specific identifier of the associated user. A payment credential for a newly created credit account is received, and can be associated with the user profile corresponding to the merchant-specific identifier.

System and method for integrated application and provisioning

A computer system for provisioning a data transfer method is disclosed, comprising a processor, and a communications module and a memory coupled to the processor. The memory stores instructions that, when executed by the processor, cause the computer system to: receive a provisioning request for a data transfer method; send, to a server associated with the data transfer method, a request, based on the provisioning request, for assignment of a data transfer identifier; receive, from the server, the data transfer identifier responsive to the request for assignment of the data transfer identifier; obtain a data transfer token corresponding to the data transfer identifier by: sending, to a token service provider, a request for the token comprising the data transfer identifier; receiving, from the token service provider, a data transfer token in response to the request for the token; and, send a reply to the provisioning request comprising the token.

System and method for provisioning a data transfer application

The present disclosure involves systems, software, and computer implemented methods for performing identity validation using a digital ID shared and trusted among a coalition of institutions. One example method includes receiving, via a communications module and from a first consortium member system, a set of input credentials from a first consortium member system associated with an operation, where the set of input credentials is associated with a user. A digital ID is identified corresponding to the set of input credentials and the first user, wherein each digital ID uniquely identifies a particular user and corresponds to at least one user account associated with other consortium member systems in a trusted consortium network. Using the other user accounts, additional user account information associated with the user is obtained and used in a verification operation.

Integration of workflow with digital ID

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.

Modifying existing instruments without modification of unique identifier and immediate benefit availability

The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying a request to perform a credit application process associated with a particular user via a client application. A first signal can be transmitted that includes a redirect instruction for the client application to a credit application site to perform a credit application process. A second signal can be transmitted that includes a merchant-specific identifier of the particular user and a request to perform the credit application process. A third signal can be received from the credit application site that includes an approval, a payment credential associated with a newly created credit account, and the merchant-specific identifier of the particular user. The payment credential can be associated with the user profile of the user corresponding to the merchant-specific identifier.

The disclosed embodiments generally relate to systems, methods, and apparatus for dynamic context-based electronic offer communication. In one aspect, a computer server is disclosed, comprising: a hardware processor configured to execute instructions stored in a memory to: receive location data from a mobile device; determine a context of the mobile device based on the location data; generate a database query using the determined context; send the generated query to an events database; receive a conditional electronic offer from the events database; determine user data requirements based on the conditional electronic offer; send a request based on the user data requirements to a secure server; receive user data from the secure server; generate an electronic offer communication based on the conditional electronic offer when the user data received from the secure server meets the user data requirements; and send the electronic offer communication to the mobile device.

Systems and methods for dynamic context-based electronic offer communication

The present disclosure involves systems, software, and computer implemented methods for automatically modifying a payment instrument type of a user. One example method comprises receiving, via a communications module, a first signal including an indication of acceptance associated with a particular product selected from a set of potential products for replacing a current product associated with a first customer. At least one term or condition associated with the selected product is identified that is different than the terms or conditions associated with the at least one current product. The terms and conditions associated with the at least one current product associated with the first customer are automatically modified to correspond with the at least one different identified term or condition associated with the selected product, wherein modifying the terms or conditions does not change a unique identifier associated with the at least one current product being modified.

Modifying existing instruments without issuance of new physical card

An electronic device for indicating selection of a data transfer method is disclosed. A processor is coupled to an input interface module and an output interface module. A memory is coupled to the processor and stores an application comprising instructions to cause the device to display indications corresponding to a plurality of data transfer methods via the output interface module, receive a selection of one of the methods for use in making a subsequent data transfer, retrieve a graphical element corresponding to the selected method, configure the device for making data transfers using the selected method, and indicate the device is operable to perform data transfers using the selected method by presenting the graphical element in the interface of the application whenever the interface is displayed via the output interface module or by modifying an icon for launching the application to correspond to the graphical element.

Growing community of inventors

Richmond Hill, Canada

Daniel Lam Tin Cheung