USPTO Patent Grant for Data Transfer Recommendations by Toronto-Dominion Bank

ChangeBridge: Patent Grants - Business Methods (G06Q)

Published March 24th, 2026

Detected March 25th, 2026

Summary

The USPTO has granted patent US12586047B2 to The Toronto-Dominion Bank for a system and method for generating data transfer recommendations. The patent covers technology that analyzes historical data transfers to create a data budget and recommends ways to afford data transfers that exceed the budget, potentially using machine learning.

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What changed

The United States Patent and Trademark Office (USPTO) has issued patent US12586047B2 to The Toronto-Dominion Bank. This patent covers a system and method for generating data transfer recommendations. The technology analyzes historical data transfers within resource accounts to establish a data budget. It then assesses data transfer requests against this budget and, if a transfer is deemed unaffordable, generates recommendations to facilitate it. Machine learning may be employed in determining affordability.

This patent grant is primarily informational and does not impose new regulatory obligations on financial institutions. However, it signifies a technological advancement in managing data transfer costs and potentially optimizing resource allocation. Compliance officers in the financial sector, particularly those involved with technology development or data management, may find this patent relevant for understanding emerging trends and potential competitive landscapes in data services.

Source document (simplified)

← USPTO Patent Grants

System and method for generating data transfer recommendations

Grant US12586047B2 Kind: B2 Mar 24, 2026

Assignee

The Toronto-Dominion Bank

Inventors

Tomasz Pawelkiewicz, Rachit Srivastava, Nima Habibi Beltijeh, Dalbir Channa

Abstract

A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to analyze historical data transfers within one or more resource accounts to generate a data budget; receive a signal indicating a data transfer request; analyze the data transfer request and, based on the data budget, determine an affordability of the data transfer; responsive to determining that the data transfer is not affordable from one of the resource accounts, generate one or more recommendations to afford the data transfer; and send, via the communications module and to a computing device, a signal causing the computing device to display a notification that includes the one or more recommendations to afford the data transfer. Machine learning may be used to determine the affordability of the data transfer.