The Toronto-Dominion Bank

Mike Stephenson

Orin Del Vecchio

Lauren Van Heerden

Paul Mon-Wah Chan

John Jong Suk Lee

Michael D Cummins

Salim Jivraj

Andrew Chak

Gerald Jeschke

Tim Thompson

Lawrence Wong

Gunalan Nadarajah

Prabaharan Sivashanmugam

Nigel Lall

Prabaharan Sivashanmugan

Parabaharan Sivashanmugam

John Jong Lee

Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.

Systems and methods for providing merchant fraud alerts

The disclosed embodiments include methods and systems for providing account status notifications. The disclosed embodiments include, for example, a device for providing account status notifications 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 receiving account status notification information for a first account associated with a user. The account status notification information may be generated based on one or more notification rules and account information associated with the first account. The operations may also include generating, based on the received account status notification information, a first account status indicator that provides a status of a first account parameter associated with the first account that is presented via a device component without a user request to receive the status of the first account parameter.

Systems and methods for providing balance notifications

Growing community of inventors

Mississauga, Canada

Mike Stephenson