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:
May. 30, 2023
Filed:
Sep. 04, 2019
The Toronto-dominion Bank, Toronto, CA;
Salim Jivraj, Mississauga, CA;
Lauren Van Heerden, Bedford, NH (US);
Michael D. Cummins, Mississauga, CA;
Prabaharan Sivashanmugan, Farmington Hills, MI (US);
Gerald Jeschke, Mississauga, CA;
Andrew Chak, Mississauga, CA;
Mike Stephenson, Mississauga, CA;
Paul Mon-Wah Chan, Markham, CA;
John Jong Suk Lee, Waterloo, CA;
Orin Del Vecchio, Richmond Hill, CA;
The Toronto-Dominion Bank, Toronto, CA;
Abstract
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.