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:
Jul. 04, 2023
Filed:
Jul. 08, 2020
The Toronto-dominion Bank, Toronto, CA;
Dean C. N. Tseretopoulos, Toronto, CA;
Robert Alexander McCarter, Ontario, CA;
Sarabjit Singh Walia, Demarest, NJ (US);
Vipul Kishore Lalka, Oakville, CA;
Nadia Moretti, Toronto, CA;
Paige Elyse Dickie, Toronto, CA;
Denny Devasia Kuruvilla, Toronto, CA;
Milos Dunjic, Oakville, CA;
Dino Paul D'Agostino, Richmond Hill, CA;
Arun Victor Jagga, Toronto, CA;
John Jong-Suk Lee, Toronto, CA;
Rakesh Thomas Jethwa, Toronto, CA;
Abstract
The present disclosure involves systems, software, and computer implemented methods for intercepting data exchange requests and automatically imposing a hold period while the data exchange is evaluated for a user profile initiating the request. One example system includes operations to detect a data exchange request prior to completion of the attempted data exchange, the data exchange request including information defining the attempted data exchange and associated wherein the attempted data exchange is associated with a particular user profile. A portion of the information is transmitted to a data exchange analysis system for execution of a user profile-specific data exchange analysis based on the information and a status of the user profile. A hold state is initiated for the data exchange request while the analysis is performed. The results of the analysis are presented and a confirmation to proceed is required before allowing the attempted data exchange to be processed.