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:
Mar. 10, 2026

Filed:

Jun. 02, 2023
Applicant:

The Toronto-dominion Bank, Toronto, CA;

Inventors:

Mohamed Abbas, Jersey City, NJ (US);

Alisha Romer, Blackwood, NJ (US);

Assignee:
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/36 (2012.01); G06Q 20/38 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/3672 (2013.01); G06Q 20/382 (2013.01);
Abstract

A server computer system comprises a communications module; at least one processor coupled to the communications module; and a memory coupled to the at least one processor, the memory storing processor-executable instructions which, when executed by the at least one processor, configure the at least one processor to detect a trigger condition based at least on client device data; identify at least one available computer network for performing one or more operations based at least on the client device data; send, via the communications module, a notification for output on a display of a client device, the notification presenting a selectable option for selecting the at least one available computer network; receive, via the communications module and from the client device, an indication of selection of the selectable option for selecting the at least one available computer network; generate a digital token for communicating instructions to perform one or more operations using the at least one available computer network; and provision the client device with the digital token to enable the client device to selectively communicate instructions to perform the one or more operations using the at least one available computer network. Machine learning may be used to identify the at least one available computer network.


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