The Toronto-Dominion Bank

Jonathan K Barnett

Paul Mon-Wah Chan

Orin Del Vecchio

Lauren Van Heerden

Matthew Hamilton

John Jong-Suk Lee

John Jong Suk Lee

Jakub Danielak

Gunalan Nadarajah

Roy D'Souza

Christianne Moretti

John Barbon

Ashraf Metwalli

Christopher Arthur Holland McAlpine

James Zachary Pryor

Roisin Lara Fritz

Joe Moghaizel

Kevin Ricardo Mari

Ashkan Alavi-Harati

Garima Aggarwal

Patrick Robert Goralski

Rohan Anand

Patrick Gibbon

Ethan Christopher McAlpine

Maria Verna

Cathleen Ruth Carrel

Christy Ann Dyba

Dheeraj Jagtiani

Evan Zachary Cohen

William Stewart James Law

Ali Hafezi

Michael D Cummins

Prabaharan Sivashanmugam

Edward Lounsbury

Orin DelVecchio

Nigel Lall

Michael Grouios

Roy D'souza

Michael Loughry

Daniel M Siegel

Sultan Mehrabi

Nikolas Sawtschuk

Kevin Mari

Hisham I Salama

Bruno Sandre

Mah Noor Siddiqui

Zheng Xi

Jeffery David True

Shannon Rose Yeoman

Lori Bristow

Roisin F Fritz

Brian Bellwood

Natalie Thien Huong Cornwall

Ryan Wall

Stella Pui Kwan Chan

Venetia D'Souza

Christopher Michael Arthur Caravan

Aleksandar Roskic

Pranavan Premathas

Sahifa Habib Qazi

Douglas Edward William Watson

Bridget McDermid

John Jong Lee

Evan Cohen

Roisin L Fritz

Robert Kyle Miller

Avinash Malliah

Jenny Lin

Sophia Dhrolia

Kevin Grant

Matthew Randolph Molnar

Ethan Christopher Mcalpine

Orin Delvecchio

Christopher Arthur Holland Mcalpine

Lauren Va Heerden

Roisin Fritz

A system and method are provided for analyzing and reacting to interactions between entities using electronic communication channels. The method includes receiving data captured from a conversational exchange between a first entity communicating with a second entity using an electronic communication channel. The method also includes analyzing the captured data, for example using machine learning, to detect an indication that content was missed or not understood. The method also includes determining based on the indication, an automated message to at least one of the first entity and the second entity for executing the action.

System and method for analyzing and reacting to interactions between entities using electronic communication channels

A system and method are provided for analyzing and reacting to interactions between entities using electronic communication channels. The method includes receiving, via the communications module, data captured from a conversational exchange between a first entity communicating with a second entity using an electronic communication channel. The method also includes analyzing the captured data to detect an indication that the first entity is or was distracted during the conversational exchange, is or was disinterested in a portion of the conversational exchange or missed the portion of the conversational exchange. The method also includes determining based on the indication an action to address the distraction during, disinterest in, or missing of, the portion of the conversational exchange; and providing, via the communications module, an automated message to at least one of the first entity and the second entity for executing the action.

The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.

Systems and methods for providing tokenized transactions accounts

A system and method are provided for controlling visibility of elements of displayed electronic content. The method includes providing via a communications module a user interface viewable by a plurality of entity devices, and enabling via the communications module the user interface to display electronic content comprising at least one element. The method also includes determining at least one filtering criterion for controlling visibility of the at least one element of the electronic content being displayed, and concealing or modifying at least one element of the electronic content as displayed in the user interface for at least one of the plurality of entity devices, according to the at least one filtering criterion.

System and method for controlling visibility of elements of displayed electronic content

A system and method are provided for searching and monitoring assets available for acquisition. The method includes receiving a first signal including data associated with an acquiring entity, receiving a second signal including search data generated by the acquiring entity when interacting with at least one electronic listing service comprising searchable data associated with a plurality of assets available for acquisition, storing user profile data for the acquiring entity, the user profile data comprising at least a portion of the data associated with the acquiring entity, and at least a portion of the search data. The method also includes using the user profile data to search or monitor assets listed in the at least one electronic listing service to generate a result list of matched assets and sending a third signal including an electronic notification related to the result list, to a device associated with the acquiring entity.

System and method for searching and monitoring assets available for acquisition

A message processing server includes a message processor and a database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The first layer includes the second layer and a first pointer. The second layer includes a second pointer. The message processor is configured to receive a first authorization message including a first cryptographic key and a second value; decrypt the first layer of one of the tokens with the first key; validate the first pointer by receiving confirmation of the first pointer pointing to a database entry comprising the second value; receive a second authorization message including a second cryptographic key and a third value; decrypt the second layer of the token with the second key; and validate the second pointer by receiving confirmation of the second pointer pointing to a database entry comprising a maximum data value not less than the third value.

Token-based system for securing and recovering data

A message processing server includes a message processor and a database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The first layer includes a first data pointer. A primary layer includes the first layer and identifies a reference data value. The message processor receives from a communications device an authentication request identifying a first data value, validates the authentication request from the first data value and the reference data value configured in one of the multi-layer tokens, receives a first authorization message including a first cryptographic key, derives a first decrypted data layer from the first cryptographic key and the first encrypted data layer of the one multi-layer token, and validates the first data pointer by receiving confirmation of the first data pointer pointing to a database entry comprising a second data value less than the reference data value.

Validating encrypted data from a multi-layer token

The disclosed embodiments include methods and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction. The method may also include providing, by the one or more processors, the validation information to the authentication network.

Systems and methods for authenticating user identities in networked computer systems

The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a communications device including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receive a notification of a status of an account parameter. The operations may also include identifying a device eligible to access the notification in accordance with a user-specified data restriction, and identifying at least a portion of the notification that is consistent with the data restriction. The communications device provide the identified portion of the notification to the eligible device without receiving input from the user, and the eligible device may present at least one of a visual, audible, or tactile indicator of the status of the account parameter.

Systems and methods for providing balance notifications to connected devices

A method and system are provided for interfacing entities engaged in property exchange activities. The method includes receiving a first signal including a request to engage in a property exchange activity by an acquiring entity, accessing first profile data for the acquiring entity, accessing second profile data for each of a plurality of advisor entities related to the property exchange activity, using the first profile data and the second profile data to generate at least one proposed match between a corresponding one or more of the plurality of advisor entities and the acquiring entity, sending a second signal including a recommendation, enabling the acquiring entity to respond to the recommendation and engage with advisor entities, providing a first advisor connection between the acquiring entity and the first advisor entity, and enabling at least one interaction in at least one advisor activity between the acquiring entity and the first advisor entity.

System and method for interfacing entities engaged in property exchange activities

A message processing server includes a message processor, a network interface, and a memory storing a token database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The message processor receives, via the network interface, at least one authorization message that identifies one of the tokens, derives a first decrypted data layer from the first encrypted data layer of the token, and extracts from the first decrypted data layer a second pointer to a secondary database that stores a predetermined data value. The message processor excises the predetermined data value from the secondary database.

Token-based system for excising data from databases

An event monitoring processor includes a processor and at least one memory. The memory stores a database of cohort definitions. Each cohort definition defines a respective cohort. The processor is configured to receive particulars of a member event initiated by a member of one of the cohorts, generate an additional cohort definition from the particulars of the member event, and save the additional cohort definition in the cohort definitions database. The processor is also configured to receive member data associated with the cohort member, select one of the cohorts in the cohort definitions database from a correlation between the member data and the cohort definitions, and save in a cohort member database a member record that identifies a correlation between the member event and an event defined in the selected one cohort.

System and method for generating cohorts

A server includes a memory and a message processor. The memory stores a data record that includes a credential stored in association with an access restriction indicator, and further includes a cryptographic key. The processor is configured to receive from a network device an access request that includes the credential and a token. The token includes a first data layer and a second data layer that incorporates the first data layer and is encrypted with the cryptographic key. The processor is configured to determine that, prior to the access request, the credential was stored in the data record in association with the access restriction indicator; recover the first data layer from the token by (i) locating the cryptographic key in the data record, and (ii) decrypting the second encrypted data layer with the cryptographic key. The processor is configured to provide the network device with the first data layer.

Securing data via multi-layer tokens

Growing community of inventors

Oakville, Canada

Jonathan K Barnett