IP Library › Granted Patent US 11,799,805
Granted Patent B2
US 11,799,805 · App. 17/854,020 · Granted Oct 24, 2023

Systems and methods for managing chat-based registration with an online service

Inventor: Inna Kharshak (Aurora, CA)
Assignee: The Toronto-Dominion Bank
H04L51/02G06F21/31H04L63/0428
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Quick Facts
Patent No.
US 11,799,805
App. No.
17/854,020
Granted
Oct 24, 2023
Kind
B2
Abstract

A processor-implemented method is disclosed. The method includes: receiving, from a client device, a first request for registering a user in association with a selected product that is offered at a third-party online service; receiving, from the client device, user input of login credentials for a resource account and a second request to initiate chat-based registration of a user associated with the resource account in association with the selected product at the online service; in response to receiving the second request and authenticating the user to the resource account, providing a chat interface for a new authenticated chat session on the client device; populating a form for registering the authenticated user in association with the selected product at the online service using a first value representing a quote for the selected product and selected user-inputted data for registration; and transmitting an encrypted version of the populated form via the chat interface to the client device.

Claims (44)

1. A computing system, comprising:

a processor; and

a memory coupled to the processor, the memory storing computer-executable instructions that, when executed by the processor, configure the processor to:

receive, from a client device, a first request for registering a user in association with a selected product that is offered at a third-party online service;

receive, from the client device, user input of login credentials for a resource account and a second request to initiate chat-based registration of a user associated with the resource account in association with the selected product at the online service;

in response to receiving the second request and authenticating the user to the resource account, provide a chat interface for a new authenticated chat session on the client device;

populate a form for registering the authenticated user in association with the selected product at the online service using a first value representing a quote for the selected product and selected user-inputted data for registration; and

transmit an encrypted version of the populated form via the chat interface to the client device.

2. The computing system of claim 1 , wherein the instructions, when executed by the processor, further configure the processor to provide, via a display of the client device, a selectable user interface element for requesting to initiate the chat session.

3. The computing system of claim 2 , wherein the selectable user interface element is associated with an option to perform one of: a chat action; a bind action for biding the first value with the resource account; a register action; or an apply action for applying to obtain the selected product.

4. The computing system of claim 1 , wherein the first request includes data inputted by the user via a web-based form for registration.

5. The computing system of claim 1 , wherein the instructions, when executed by the processor, further configure the processor to:

obtain the first value based on user-inputted data; and

store, in the memory, the first value in association with the resource account.

6. The computing system of claim 1 , wherein the instructions, when executed by the processor, further configure the processor to:

receive, from the client device via the chat interface, the encrypted form containing additional information inputted by a user of the client device; and

store data from the encrypted form in association with the resource account of the user.

7. The computing system of claim 6 , wherein the instructions, when executed by the processor, further configure the processor to extract data from the encrypted form and save the extracted data in a database.

8. The computing system of claim 1 , wherein the encrypted form is transmitted as an attachment via the chat interface.

9. The computing system of claim 1 , wherein the instructions, when executed by the processor, further configure the processor to:

obtain the first value based on user-inputted data; and

generate a unique, non-modifiable identifier for the first value for associating the form with the first value.

10. The computing system of claim 9 , wherein the user-inputted data includes an indication of an insured object and wherein the first value represents a quote for an insurance product.

11. A processor-implemented method, comprising:

receiving, from a client device, a first request for registering a user in association with a selected product that is offered at a third-party online service;

receiving, from the client device, user input of login credentials for a resource account and a second request to initiate chat-based registration of a user associated with the resource account in association with the selected product at the online service;

in response to receiving the second request and authenticating the user to the resource account, providing a chat interface for a new authenticated chat session on the client device;

populating a form for registering the authenticated user in association with the selected product at the online service using a first value representing a quote for the selected product and selected user-inputted data for registration; and

transmitting an encrypted version of the populated form via the chat interface to the client device.

12. The method of claim 11 , further comprising providing, via a display of the client device, a selectable user interface element for requesting to initiate the chat session.

13. The method of claim 12 , wherein the selectable user interface element is associated with an option to perform one of: a chat action; a bind action for biding the first value with the resource account; a register action; or an apply action for applying to obtain the selected product.

14. The method of claim 11 , wherein the first request includes data inputted by the user via a web-based form for registration.

15. The method of claim 11 , further comprising

obtaining the first value based on user-inputted data; and

storing, in memory, the first value in association with the resource account.

16. The method of claim 11 , further comprising

receiving, from the client device via the chat interface, the encrypted form containing additional information inputted by a user of the client device; and

storing data from the encrypted form in association with the resource account of the user.

17. The method of claim 16 , further comprising extracting data from the encrypted form and save the extracted data in a database.

18. The method of claim 11 , wherein the encrypted form is transmitted as an attachment via the chat interface.

19. The method of claim 11 , further comprising:

obtaining a first value associated with a first product based on the user-inputted data; and

generating a unique, non-modifiable identifier for the first value for associating the form with the first value.

20. The method of claim 19 , wherein the user-inputted data includes an indication of an insured object and wherein the first value represents a quote for an insurance product.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jun 30, 2022
From: KHARSHAK, INNA
To: THE TORONTO-DOMINION BANK
Reel/Frame 060365/0863 →
Continuity (2)
Continuation 16526234 · Jul 30, 2019
Related Publication 20220337535A1 · Oct 20, 2022