Toronto-Dominion Bank has been granted a patent for a method and device that facilitates data transfers between computing devices. The system includes a server that processes transfer requests, sends customizable interfaces, and executes transfers based on user-defined parameters, including timing, particularly when resources are limited. GlobalData’s report on Toronto-Dominion Bank gives a 360-degree view of the company including its patenting strategy. Buy the report here.
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According to GlobalData’s company profile on Toronto-Dominion Bank, Blockchain-based gaming platforms was a key innovation area identified from patents. Toronto-Dominion Bank's grant share as of June 2024 was 60%. Grant share is based on the ratio of number of grants to total number of patents.
Data transfer execution based on defined parameters and timing
The patent US12045189B2 describes a server system designed to facilitate data transfers between computing devices. The server includes a communications module, a processor, and memory that stores executable instructions. When a data transfer request is received from a first computing device, the server sends an interface to a second computing device. This interface contains multiple elements for defining the data transfer, including at least one element that is pre-populated based on the initial request. Notably, if the second device lacks sufficient resources to fulfill the request, the interface will provide an option to schedule the data transfer for a specific time of day, which would not be available if resources were adequate. The server is configured to execute the data transfer using a real-time transfer protocol at the specified time.
Further claims detail the functionality of the interface elements, including the ability to modify pre-populated fields based on identifiers in the data transfer request. The system allows users to define the time of day for the transfer down to the nearest minute or second. Additionally, the server can determine if a real-time protocol is applicable and can include options for scheduling based on the availability of requested resources. The patent also covers methods for managing borrowed resources, including tracking their usage over time. Overall, the invention aims to enhance the efficiency and flexibility of data transfers between devices, particularly in scenarios where resource limitations are a concern.
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