Toronto-Dominion Bank had 29 patents in mobile during Q3 2023. The first patent is for a server computer system that can receive a web request from a computing device associated with a requesting party. The system can automatically retrieve a white label incentive interface based on the request and generate a customized incentive interface by populating interface elements according to the request. The system can then send the customized incentive interface to multiple computing devices.
The second patent is for a system that involves a POS terminal and a distributed electronic ledger. The system can receive a request to surrender a previously purchased asset in exchange for a second asset. It can access a set of rules stored in the ledger to determine if the conditions associated with the request are satisfied. If the conditions are met, the system can authorize the exchange. If not, the request is invalidated. GlobalData’s report on Toronto-Dominion Bank gives a 360-degreee view of the company including its patenting strategy. Buy the report here.
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Toronto-Dominion Bank grant share with mobile as a theme is 59% in Q3 2023. Grant share is based on the ratio of number of grants to total number of patents.
Recent Patents
Application: System and method for automatically generating a customized incentive interface (Patent ID: US20230252519A1)
The patent filed by The Toronto-Dominion Bank describes a server computer system that is capable of generating and sending customized digital incentives to multiple computing devices. The system includes a communications module, a processor, and a memory storing processor-executable instructions.
The server computer system receives a web request from a computing device associated with a requesting party. This web request includes a signal to send one or more digital incentives and defines the scopes for these incentives. In response to the web request, the system automatically retrieves a white label incentive interface based on the defined scopes. Using this white label interface, the system generates a customized incentive interface by populating interface elements according to the defined scopes. The customized interface includes selectable elements for accepting the digital incentives. Finally, the system sends a signal containing the customized incentive interface to electronic addresses of multiple computing devices.
The patent also includes additional claims that further enhance the functionality of the server computer system. For example, one claim involves generating recommendations for sending the customized incentive interface. The system obtains account data from a database and uses a data mining module to analyze this data and generate recommendations. These recommendations, along with selectable interface elements, are then sent to the requesting party's computing device.
Another claim involves identifying segments that are likely to accept the digital incentives. The data mining module analyzes the account data to identify these segments, and the recommendations include digital incentives tailored to each segment.
The patent also describes a method for executing the computer-implemented system. The method involves receiving the web request, retrieving the white label incentive interface, generating the customized incentive interface, and sending it to the computing devices.
Overall, the patent filed by The Toronto-Dominion Bank describes a server computer system and method for generating and sending customized digital incentives to multiple computing devices based on defined scopes and account data analysis.
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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.
