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.

Date of Patent:
Jun. 18, 2024

Filed:

Feb. 16, 2023
Applicant:

The Toronto-dominion Bank, Toronto, CA;

Inventors:

Kareem El-Onsi, Toronto, CA;

Garima Aggarwal, Toronto, CA;

Raymond Alan Young, Toronto, CA;

Assignee:
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06F 9/50 (2006.01); H04L 47/10 (2022.01); H04L 47/70 (2022.01); H04L 47/78 (2022.01); H04L 47/80 (2022.01);
U.S. Cl.
CPC ...
H04L 47/781 (2013.01); H04L 47/29 (2013.01); H04L 47/808 (2013.01); H04L 47/822 (2013.01);
Abstract

A computer-implemented is disclosed. The method includes: allocating a first quantity of resources associated with one or more database records of an entity to a first device operation of a computing device associated with the entity; detecting a trigger condition associated with the first device operation for generating offers for lending resources to the entity in connection with the first device operation; in response to detecting the trigger condition: determining a second quantity of resources associated with the one or more database records for allocating to the first device operation based on a difference between a threshold quantity of resources associated with performing the first device operation and a total quantity of resources associated with the one or more database records previously allocated to the first device operation; and transmitting, to the computing device, a message representing an offer for lending the second quantity of resources.


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