The Toronto-dominion Bank

Robert Kyle Miller

Helene Nicole Esposito

Sonja Torbica

Rajeev Kumar Gandhi

Paul Mon-Wah Chan

Adam Douglas McPhee

Kyryll Odobetskiy

Matta Wakim

Dexter Lamont Fichuk

Harrison Michael James Reilly

Omas Abdullah

John Jong Suk Lee

Rakesh Thomas Jethwa

John Jong-Suk Lee

Milos Dunjic

Arun Victor Jagga

David Samuel Tax

Arthur Carroll Chow

Kushank Rastogi

Armon Rouhani

Kevin Wayne Faragher

Maryam Karbasi

Karandeep Puri

Tomasz Pawelkiewicz

Kamana Tripathi

Patrick Jian Hong Hum

Malcolm Dinyar Jussawalla

Jonathan K Barnett

Garima Aggarwal

Roisin Lara Fritz

Orin DelVecchio

Adam Douglas Mcphee

Harrison Michael Reilly

Patrick Jian Hum

Orin Delvecchio

The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, automatically populate, in real-time, portions of digital interfaces based on dynamically generated contextual data. For example, a network-connected apparatus may receive, from a device, a portion of an identifier of a first counterparty to an exchange of data. The apparatus may perform operations determine a second counterparty to the data exchange based on at least one of a current geographic position of the first device, a first element of profile data associated with the first device, or the received portion of the first counterparty identifier, and may transmit an identifier of the second counterparty to the device. The device may execute an application program that presents the second counterparty identifier within a corresponding portion of an interface associated with the data exchange.

Automated population of digital interfaces based on dynamically generated contextual data

The disclosed embodiments include computer-implemented systems, apparatuses, and processes that, among other things, automatically generate and populate digital interfaces based on adaptively processed image data captured by a network-connected device operating within a computing environment. For example, an apparatus may receive, from a device, a first signal that includes image data identifying a document associated with a data exchange capable of initiation by the device. The apparatus may detect, within a first portion of the image data, a presence of first textual content associated with a first parameter of the data exchange, extract a first value characterizing the first parameter from the first textual content, and generate and transmit a second signal that includes the first value to the device. The second signal includes information that instructs the device to display the first value within a portion of an interface corresponding to the first parameter.

Automatic generation and population of digital interfaces based on adaptively processed image data

A server 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 computing device, a signal representing a request to perform an operation from a user; determine that the user does not have a persistent account; and when it is determined that the user does not have a persistent account: obtain, via the communications module and from a digital identity network, a signal including verified identity data of the user; generate a temporary data record and associate the temporary data record with the verified identity data of the user; receive a value transfer based on the requested operation and store the received value in the temporary data record; and perform the operation using the stored value in the temporary data record.

Method and system for performing an operation

The present disclosure involves systems, software, and computer implemented methods for a remittance system that pre-populates remittance data based on historical usage of remittance transactions. One example system includes operations to generate, using a predictive model, data indicating a predicted likelihood of a user selecting at least one data exchange transaction, wherein the data indicates the predicted likelihood of the user performing the at least one data exchange transaction. A request is received to access a remittance page. In response, the at least one data exchange transaction that was previously generated is selected from a repository of predicted likelihoods. Remittance data associated with a UI element is generated that includes the at least one data exchange transaction. The remittance data is transmitted to the device. An indication from the device is received for interacting with the UI element. The data exchange transaction is executed in response to receiving the indication.

Adaptive remittance learning

A provisioning server for automated provisioning and associated methods are disclosed. The provisioning server extracts data from a data transfer instruction for a data provider addition based on a matching data transfer instruction template, and parses the extracted data in accordance with the matching data transfer instruction template to identify an account identifier. Data transfer information for an identified data provider and an identified account identifier from a data provider database are determined. The data provider database comprises data provider information comprising data provider names for a plurality of data providers registered with the provisioning server. A data provider record is generated and stored in a data provider list of the account in an account database. The data provider record includes the identified data provider name, identified account identifier and the data transfer information.

Provisioning server for automated data provider provisioning and associated methods

A computerized data transfer system allows data transfers to be initiated over a network between senders and recipients. Individual senders initiate data transfers over the network by selecting a recipient from a list at a sender device. The system includes a data store of sender specific recipients, a data transfer history data store of past transfers; and a master participant data store storing profiles of recipients for which transfers can be initiated. The system includes a computing device that for selected senders, retrieves entries of the data store of sender specific recipients, master participant data store and data transfer history data store; generates a predicted transfer profile for each recipient for the sender, based on past data transfers and the master participant data store to identify deviations therefrom; and updates the data store of sender specific recipients for the selected sender to update entries for recipients associated with identified deviations.

Recipient management in computer network initiated data transfers

A provisioning server for automated provisioning and associated methods are disclosed. The provisioning server extracts data from a data transfer instruction for a data provider addition based on a matching data transfer instruction template, and parses the extracted data in accordance with the matching data transfer instruction template to identify an account identifier. Data transfer information for a second data transfer network for an identified data provider and an identified account identifier from a data provider database are determined. The data provider database comprises data provider information comprising data provider names for a plurality of data providers registered with the provisioning server. A data provider record is generated and stored in a data provider list of the account in an account database. The data provider record includes the identified data provider name, identified account identifier and the data transfer information.

The present disclosure involves systems, software, and computer-implemented methods for implementing a data transfer control based on information received from connected devices. In one instance, operations include loading an expected usage amount for a group of connected devices. Signals representing actual usage amounts associated with the group are received from at least device in the group. The actual usage amounts can be compared to the expected usage amount. An authorization of at least one payment-related action associated with the at least one group of connected devices is automatically transmitted to a payment system in response to determining that the usage amount is less than or equal to the expected amount, and at least one instruction to perform a corrective action associated with the group is automatically transmitted to at least one connected device of the group in response to determining that the actual amount exceeds the expected amount.

Data transfer control based on connected device usage analysis

A computing device and method for managing an account. A computer displays a historical timeline and an event placement timeline. Past events are shown along the historical timeline, and future events along the event placement timeline. The computer suggest a change to the timing of one of the events. The user moves a movable object to the proposed timing to reschedule the event. The settings of the account are modified to automatically execute that event at the new timing.

Computing device and method for the temporal arrangement of data

A device and method for management of an account. An event placement timeline is displayed. Account events are shown along the timeline. A preferred event time range or 'safe zone' is shown along the timeline. The 'safe zone' is the portion of the month during which it is safe to schedule certain events, like bill payments, with lower risk of NSF, overdraft or the like. The user moves a movable object into the &#x201c;safe zone&#x201d; to reschedule the account event in the &#x201c;safe zone&#x201d;, and the settings of the account are modified to automatically execute the account event at that time.

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Mississauga, Canada

Robert Kyle Miller