The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Dec. 06, 2022
Filed:
Aug. 21, 2018
The Toronto-dominion Bank, Toronto, CA;
Robert Kyle Miller, Mississauga, CA;
Sonja Torbica, Toronto, CA;
Helene Nicole Esposito, Mississauga, CA;
Harrison Michael James Reilly, Toronto, CA;
Matta Wakim, Petersburg, CA;
Kyryll Odobetskiy, Waterloo, CA;
Dexter Lamont Fichuk, Kitchener, CA;
Adam Douglas McPhee, Waterloo, CA;
Omas Abdullah, Waterloo, CA;
The Toronto-Dominion Bank, Toronto, CA;
Abstract
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.