ALEXANDRIA, Va., June 17 -- United States Patent no. 12,315,007, issued on May 27, was assigned to The Toronto-Dominion Bank (Toronto).
"System and method for integrated application and provisioning" was invented by Adrian Bloy (Ottawa), Daniel Lam Tin Cheung (Richmond Hill, Canada), Asgar Maleki (Toronto), Kevin Yuen (Toronto) and Danielle Marie Mullenax (Gatineau, Canada).
According to the abstract* released by the U.S. Patent & Trademark Office: "The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying, at a merchant application, a request to perform a credit applicatio...