The Toronto-Dominion Bank

Miguel Navarro

Levi Sutter

Mohamed Abbas

Lina Nancy Siciliano

Robert Setlight

Mathew Hause

Sadia Zaidi

Joseppina Stankiewicz

Catherine Halloran

Buturab Rizvi

Alexandra Tsourkis

Richard Bruce Johnson

Lino Catana

Mohammad Fahad Khan

John Ivan Bacic

Jonathan Goodman

Joseph S Sansotta

Matthew J Maietta

Nina Angela Kadelski

Aparicio Giddins, Jr

Steve Langham

Elkin Ng Fung

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, image recognition techniques may be used to determine 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.

System and method for providing location-based appointment operations

A simulator for providing teaching and training related to negotiable instruments is disclosed. The provided simulation includes a simulated negotiable instrument. The simulator captures an image of a portion of an environment including a piece of printed collateral. The simulator then displays an augmented reality version of the environment. Displaying the augmented reality version of the environment includes detecting the printed collateral in the image, replacing the printed collateral in the image of the portion of the environment with an image of the negotiable instrument to yield an image depicting the portion of the environment as including the negotiable instrument, and presenting, the image depicting the portion of the environment as including the negotiable instrument. The simulator provides an indication of an outcome of a simulated negotiation of the negotiable instrument. Related methods and computer-readable media are disclosed.

Simulator for value instrument negotiation training

An example operation may include one or more of receiving, via a host platform of a digital wallet, a payment authorization request message for a payment transaction of the digital wallet from a payment gateway of an electronic payment network, verifying that the digital wallet has sufficient funds to satisfy an amount of the payment transaction and transmitting a payment authorization response to the payment gateway, pausing clearing and settling of the authorized payment transaction, generating an entry that represents the authorized payment transaction and storing the entry in a temporary storage structure of the host platform, executing a cryptocurrency transaction which exchanges cryptocurrency for an amount of fiat currency that satisfies the amount of the payment transaction, and canceling the authorized payment transaction and settling the payment transaction based on the amount of fiat currency received from the cryptocurrency transaction.

Cryptocurrency payment based on a canceled fiat transaction

Computing devices, platforms, methods, and storage media for providing data access are disclosed. Exemplary implementations may: obtain a device authorization token granting a computing device authenticated access to real-time equity quotes when the computing device is in an unauthenticated state; transmit, to a quote access server, an authorized quote access request specifying one or more equities for which one or more real-time equity quotes are requested; receive, from the quote access server, the one or more real-time equity quotes associated with the one or more equities; and provide, in the unauthenticated state, the one or more real-time equity quotes associated with the one or more equities. Example implementations make it simpler and easier to view real-time quotes, for example with a single swipe/gesture and without opening a financial institution app or logging in to a website hosted by a financial institution.

System and method for providing data access

An example operation may include one or more of storing transaction content from transactions executed via one or more fiat payment accounts and one or more crypto accounts of a digital wallet of a user, and determining, via execution of a machine learning model on the stored transaction content, a recurring expense value of the user and a next point in time in which the recurring expense value, dividing the recurring expense value into a plurality of sub-values; generating a plurality of transactions which transfer the plurality of sub-values from a fiat payment account to a crypto account from among the one or more crypto accounts and store the plurality of transactions within a queue, initiating a plurality of time-to-live jobs for the plurality of transactions, respectively, wherein the plurality of time-to-live jobs comprise a plurality of different respective expiration times that are staggered such that the plurality of time-to live jobs expire in incremental intervals from a current time to the next point in time in which the recurring expense value is due and executing the plurality of transactions at the plurality of different expiration times to incrementally transfer the plurality of sub-values from the fiat account to a crypt account via an application programming interface (API).

API for incremental and periodic crypto asset transfer

An example operation may include one or more of receiving, via a host platform, a payment authorization request message for a payment transaction of a digital wallet hosted by the host platform from a payment gateway of an electronic payment network, verifying that a payment account in the digital wallet has sufficient funds to satisfy an amount of the payment transaction and transmitting a payment authorization response to the payment gateway, pausing clearing and settling of the authorized payment transaction, executing a blockchain transaction via a blockchain ledger of a cryptocurrency network to exchange fiat currency from the payment account for cryptocurrency based on the amount of the payment transaction, prior to a due date of the authorized payment transaction, executing a second blockchain transaction to exchange the cryptocurrency for a new amount of fiat currency, and settling the authorized payment transaction based on the new amount of fiat currency received from the second blockchain transaction.

Fiat payment based on a cryptocurrency blockchain transaction

A computer-implemented method is disclosed. The method includes: displaying, on a touch-sensitive display of an electronic device, an indicated value and an annulus having a base segment and a highlighted segment, wherein points along a circumference of the annulus are associated with values between a base amount and a maximum amount and wherein a size of the highlighted segment is based on the indicated value; receiving, via the touch-sensitive display, a first value-adjusting input comprising a tap operation; and in response to receiving the first value-adjusting input, adjusting at least one of the base amount or the maximum amount for causing a range of the annulus to be changed, wherein a proportion of the annulus represented by the highlighted segment corresponds to a proportion of the range represented by the indicated value.

User interface for smartwatches and wearable devices

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 receive, via the communications module and from one or more devices, a signal including biometric data of a user; analyze the biometric data to predict an emotional state of the user; determine that the predicted emotional state of the user satisfies predefined criteria; and responsive to determining that the predicted emotional state of the user satisfies the predefined criteria, send via the communications module to the one or more devices a signal including one or more incentives based on the predicted emotional state.

Method and system for sending biometric data based incentives

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.

System and method for activating a physical token in augmented reality

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.

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 receive, via the communications module and from a first device, a signal including a request to schedule access to a shared resource within a time window; identify, based on a load projection for the shared resource, at least one time period within the time window for the access to the shared resource; send, via the communications module and to the first device, a signal including the at least one time period and requesting confirmation that a particular one of the at least one time period is acceptable; receive, via the communications module and from the first device, a signal including confirmation that the particular one of the at least one time period is acceptable; determine that a current time has reached the particular one of the at least one time period; and responsive to determining that the current time has reached the particular one of the at least one time period, provide access to a node of the shared resource, the node having available bandwidth.

Method and system for providing access to a node of a shared resource

A method for establishing a trusted session between a first computing device and a computer server includes obtaining identifying information for the first computing device and a second computing device. The identifying information includes identifying information corresponding to the networks to which each of the computing devices are directly connected. Based on the identifying information it may be determined that there is sufficient correspondence between the first and second computing devices. If so, an indication is sent to the second computing device requesting confirmation that the first computing device should be authenticated to the account. An indication confirming this may then be received and, responsive thereto, the first computing device is authenticated to the account. Related computer systems and computer-readable media are also disclosed.

System and method for establishing a trusted session

Systems and methods of augmenting objects associated with personal data. A system includes a communication module, a processor, and a memory. The memory stores instructions that, when executed, configure the processor to authenticate a client device based on a credential associated with an account record. The processor receives, from the client device, an indication of a document marker and obtains, from the account record, personal data associated with the document marker. The processor transmits, to the client device, display data based on the personal data. The display data configures the client device to display an augmented reality output based on the personal data and at least one further image of the document. The personal data may include dynamic data varying over time. The display data configuring the client device to display the augmented output may be based on current personal data obtained from the account record.

Systems and methods of augmenting objects associated with personal data

Methods and devices are provided for receiving, displaying and adjusting user input through a wearable device. An indicated value and an annulus are displayed on a touch-sensitive display of the wearable device. The annulus has a base segment and a highlighted segment. The highlighted segment begins at an origin of the annulus and extends to a first position of the annulus. The size of the highlighted segment corresponds to the indicated value. A first value-adjusting input is received at the touch-sensitive display. The first value-adjusting input includes one or both of a drag operation and a tap operation. The indicated value and the size of the highlighted segment are adjusted in accordance with the first value-adjusting input, such that the proportion of the annulus represented by the highlighted segment corresponds to a proportion of a difference between a base amount and a maximum amount represented by the indicated value.

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 receive, via the communications module and from a server associated with a first device, a request to perform an operation; determine that the first device cannot perform the operation; send, via the communications module and to the server associated with the first device, a signal causing the first device to output a message indicating that the first device cannot perform the operation and requesting authentication from a second device; receive, via the communications module and from the second device, a signal including authentication information; and send, via the communications module and to the second device, a signal including a selectable option to perform the operation.

Growing community of inventors

Ewing, NJ, United States of America

Miguel Navarro