Toronto-Dominion Bank had 23 patents in cybersecurity during Q3 2023. The Toronto-Dominion Bank has filed several patents during Q3 2023. One patent describes methods and systems for creating a multi-applicant account profile, allowing multiple applicants to provide contact data and identification information to create a new account profile. Another patent involves a server computer system that determines access levels for an incentive management application based on authentication information. A self-service system patent involves sending a text-to-speech audio stream to a mobile device during a trusted session. Additionally, there is a patent for a system and method that allows access to borrowed resources through associated accounts and restricts owned resources. Lastly, a patent describes a method for providing trusted links between applications, allowing verification of permissions and preventing tampering. GlobalData’s report on Toronto-Dominion Bank gives a 360-degreee view of the company including its patenting strategy. Buy the report here.

Toronto-Dominion Bank grant share with cybersecurity as a theme is 52% in Q3 2023. Grant share is based on the ratio of number of grants to total number of patents.

Recent Patents

Application: Systems and methods for creating multi-applicant account (Patent ID: US20230275891A1)

The patent filed by The Toronto-Dominion Bank describes methods and systems for creating a multi-applicant account profile. The process involves a first remote session where a first applicant provides contact data for a second applicant. A unique link and a one-time password are then transmitted to the second applicant using the provided contact data. In response to receiving the one-time password, a second remote session is initiated where the second applicant provides identification information. After verifying the identification information of both the first and second applicants, a new multi-applicant account profile is created.

The patent claims describe a server that facilitates the creation of a multi-applicant account. The server includes a communication interface for interacting with client devices and a processor. The processor is configured to receive a request to create a new multi-applicant account during a first remote session. The request includes information for verifying the identity of the first applicant, contact data for transmitting a link and password to the second applicant. Upon receiving the password via the link, the processor initiates a second remote session to verify the identity of the second applicant. Once the identities of both applicants are verified, the processor creates the new multi-applicant account.

The server can also transmit the link and password to the second applicant using the provided contact data. Additionally, the server can receive contact data for a third applicant during the first remote session and initiate a third remote session to verify their identity. The second and third remote sessions can be conducted independently of each other. The server can also notify the first applicant of the addition of the third applicant and create the multi-applicant account after receiving confirmation from the first applicant.

The contact data provided can be an email address, phone number, or social media account. The server can retrieve applicant information from a customer database. After creating the new multi-applicant account, the server can send notifications to each applicant to indicate that the account has been created. The second applicant's information is inaccessible to the first applicant, and vice versa.

In summary, the patent describes a system and method for creating a multi-applicant account profile. It involves remote sessions, unique links, and passwords to verify the identities of multiple applicants. The server facilitates the process and ensures the security and privacy of applicant information.

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GlobalData, the leading provider of industry intelligence, provided the underlying data, research, and analysis used to produce this article.

GlobalData Patent Analytics tracks bibliographic data, legal events data, point in time patent ownerships, and backward and forward citations from global patenting offices. Textual analysis and official patent classifications are used to group patents into key thematic areas and link them to specific companies across the world’s largest industries.