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Sommaire du brevet 3044176 

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Disponibilité de l'Abrégé et des Revendications

L'apparition de différences dans le texte et l'image des Revendications et de l'Abrégé dépend du moment auquel le document est publié. Les textes des Revendications et de l'Abrégé sont affichés :

  • lorsque la demande peut être examinée par le public;
  • lorsque le brevet est émis (délivrance).
(12) Brevet: (11) CA 3044176
(54) Titre français: SYSTEMES ET PROCEDES D`AUGMENTATION D`OBJETS ASSOCIES AUX DONNEES PERSONNELLES
(54) Titre anglais: SYSTEMS AND METHODS OF AUGMENTING OBJECTS ASSOCIATED WITH PERSONAL DATA
Statut: Accordé et délivré
Données bibliographiques
(51) Classification internationale des brevets (CIB):
  • G06F 21/44 (2013.01)
  • G06F 03/14 (2006.01)
  • H04L 09/32 (2006.01)
(72) Inventeurs :
  • SUTTER, LEVI (Canada)
  • NAVARRO, MIGUEL (Canada)
  • ZAIDI, SADIA (Canada)
  • ABBAS, MOHAMED (Canada)
(73) Titulaires :
  • THE TORONTO-DOMINION BANK
(71) Demandeurs :
  • THE TORONTO-DOMINION BANK (Canada)
(74) Agent: ROWAND LLP
(74) Co-agent:
(45) Délivré: 2023-10-31
(22) Date de dépôt: 2019-05-24
(41) Mise à la disponibilité du public: 2020-11-24
Requête d'examen: 2022-05-02
Licence disponible: S.O.
Cédé au domaine public: S.O.
(25) Langue des documents déposés: Anglais

Traité de coopération en matière de brevets (PCT): Non

(30) Données de priorité de la demande: S.O.

Abrégés

Abrégé français

Systèmes et procédés daugmentation dobjets associés aux données personnelles. Un système comprend un module de communication, un processeur et une mémoire. Une mémoire stocke des instructions qui configurent un processeur pour authentifier lappareil dun client au moyen des justificatifs associés à un dossier de compte. Le processeur reçoit du dispositif du client un indicateur indiquant un marquer de document et obtient du dossier de compte les données personnelles associées au marquer de document. Le processeur transmet au dispositif du client les données affichées en fonction des données personnelles. Les données daffichage configurent le dispositif du client pour afficher une réalité amplifiée fondée sur les données personnelles et au moins une autre image du document. Les données personnelles pourraient comprendre des données dynamiques qui varient au fil du temps. Les données daffichage configurent lappareil du client afin quil affiche les résultats amplifiés en fonction des données personnelles actuelles obtenues à partir du dossier de compte.


Abrégé anglais

Systems and methods of augmenting objects associated with personal data. A system includes a communication module, a processor, and a memory. The memory stores instructions that, when executed, configure the processor to authenticate a client device based on a credential associated with an account record. The processor receives, from the client device, an indication of a document marker and obtains, from the account record, personal data associated with the document marker. The processor transmits, to the client device, display data based on the personal data. The display data configures the client device to display an augmented reality output based on the personal data and at least one further image of the document. The personal data may include dynamic data varying over time. The display data configuring the client device to display the augmented output may be based on current personal data obtained from the account record.

Revendications

Note : Les revendications sont présentées dans la langue officielle dans laquelle elles ont été soumises.


Claims:
1. A computing system comprising:
a communication module;
a processor coupled to the communication module; and
a memory coupled to the processor, the memory storing instructions that, when
executed,
configure the processor to:
authenticate a client device based on a credential associated with an account
record;
receive, from the client device, an image of a non-user specific account
statement
template document, the non-user specific account statement template document
including
one or more section headers;
identify one or more section headers in the image of the non-user specific
account
statement template document as document markers;
obtain, from the account record, current personal data associated with the
authenticated client device for data types identified by the document markers,
the current
personal data including dynamic data which varies over time;
generate display data for configuring the client device to display an
augmented
reality output based on the current personal data obtained from the account
record, the
augmented reality output converting the non-user specific account statement
template
document to a user specific account statement document that includes at least
some of the
current personal data displayed in relation to the document markers; and
transmit, to the client device, the display data for configuring the client
device to
display the augmented reality output based on the current personal data and at
least one
further image of the non-user specific account statement template document.
2. The computing system of claim 1, wherein the personal data includes
banking
account data having dynamically changing value over time, and wherein the
current
personal data includes a current market value of an account associated with
the
banking account data.
29
Date recue/date received 2022-05-02

3. The computing system of claim 1, wherein obtaining the personal data
associated
with the authenticated client device for data types identified by the document
markers is subsequent to authenticating the client device based on the
credential.
4. The computing system of claim 1, wherein the augmented reality output
includes a
live-view display of the non-user specific account statement template
document.
5. The computing system of claim 1, wherein the instructions, when
executed, further
configure the processor to identify the document markers using image
recognition.
6. The computing system of claim 1, wherein the augmented reality output
includes
at least one of graphs or charts associated with the current personal data.
7. The computing system of claim 1, wherein the document markers include at
least
one of a keyword, a barcode, or a graphical symbol.
8. The computing system of claim 1, wherein the instructions, when
executed, further
configure the processor to:
receive, from the client device, a user selected subset of the augmented
reality output; and
transmit, to the client device, further display data for displaying the user
selected subset of
the augmented reality output at the client device.
9. The computing system of claim 1, wherein the instructions, when
executed, further
configure the processor to:
authenticate a second client device based on a credential associated with a
second
account record;
receive, from the second client device, an image of a non-user specific
account
statement template document, the non-user specific account statement template
document
including one or more section headers;
identify one or more section headers in the image of the non-user specific
account
statement template document as document markers;
Date recue/date received 2022-05-02

obtain, from the second account record, current personal data associated with
the
authenticated second client device for data types identified by the document
markers, the
current personal data including dynamic data which varies over time;
generate display data for configuring the second client device to display an
augmented reality output based on the current personal data obtained from the
second
account record, the augmented reality output converting the non-user specific
account
statement template document to a user specific account statement document that
includes
at least some of the current personal data displayed in relation to the
document markers;
and
transmit, to the second client device, the display data for configuring the
second
client device to display the augmented reality output based on the current
personal data and
at least one further image of the non-user specific account statement template
document.
1 0 . A
computer-implemented method of augmenting objects associated with personal
data, the method comprising:
authenticating a client device based on a credential associated with an
account record;
receiving, from the client device, an image of a non-user specific account
statement
template document, the non-user specific account statement template document
including one or
more section headers;
identifying one or more section headers in the image of the non-user specific
account
statement template document as document markers;
obtaining, from the account record, current personal data associated with the
authenticated
client device for data types identified by the document markers, the current
personal data including
dynamic data which varies over time;
generating display data for configuring the client device to display an
augmented reality
output based on the current personal data obtained from the account record,
the augmented reality
output converting the non-user specific account statement template document to
a user specific
account statement document that includes at least some of the current personal
data displayed in
relation to the document markers; and
31
Date recue/date received 2022-05-02

transmitting, to the client device, the display data for configuring the
client device to
display the augmented reality output based on the current personal data and at
least one further
image of the non-user specific account statement template document.
11. The method of claim 10, wherein obtaining the personal data associated
with the
authenticated client device for data types identified by the document markers
is
subsequent to authenticating the client device based on the credential.
12. The method of claim 10, wherein the augmented reality output includes a
live-view
display of the non-user specific account statement template document.
13. The method of claim 10, wherein the method further comprises
identifying the
document markers using image recognition.
14. The method of claim 10, wherein the augmented reality output includes
at least one
of graphs or charts associated with the current personal data.
15. The method of claim 10, wherein the document markers include at least
one of a
keyword, a barcode, or a graphical symbol.
16. The method of claim 10, further comprising:
receiving, from the client device, a user selected subset of the augmented
reality output;
and
transmitting, to the client device, further display data for displaying the
user selected subset
of the augmented reality output at the client device.
17. The method of claim 10, further comprising:
authenticating a second client device based on a credential associated with a
second
account record;
32
Date recue/date received 2022-05-02

receiving, from the second client device, an image of a non-user specific
account
statement template document, the non-user specific account statement template
document
including one or more section headers;
identifying one or more section headers in the image of the non-user specific
account statement template document as document markers;
obtaining, from the second account record, current personal data associated
with
the authenticated second client device for data types identified by the
document markers,
the current personal data including dynamic data which varies over time;
generating display data for configuring the second client device to display an
augmented reality output based on the current personal data obtained from the
second
account record, the augmented reality output converting the non-user specific
account
statement template document to a user specific account statement document that
includes
at least some of the current personal data displayed in relation to the
document markers;
and
transmitting, to the second client device, the display data for configuring
the second
client device to display the augmented reality output based on the current
personal data and
at least one further image of the non-user specific account statement template
document.
1 8 . A
non-transitory computer-readable storage medium storing instructions for
augmenting objects associated with personal data, the instructions, when
executed
by a processor of a computing device, cause the computing device to:
authenticate a client device based on a credential associated with an account
record;
receive, from the client device, an image of a non-user specific account
statement template
document, the non-user specific account statement template document including
one or more
section headers;
identify one or more section headers in the image of the non-user specific
account
statement template document as document markers;
obtain, from the account record, current personal data associated with the
authenticated
client device for data types identified by the document markers, the current
personal data including
dynamic data which varies over time;
33
Date recue/date received 2022-05-02

generate display data for configuring the client device to display an
augmented reality
output based on the current personal data obtained from the account record,
the augmented reality
output converting the non-user specific account statement template document to
a user specific
account statement document that includes at least some of the current personal
data displayed in
relation to the document markers; and
transmit, to the client device, the display data for configuring the client
device to display
the augmented reality output based on the current personal data and at least
one further image of
the non-user specific account statement template document.
19. The non-transitory computer-readable storage medium of claim 18,
wherein the
personal data includes banking account data having dynamically changing value
over time, and wherein the current personal data includes a current market
value of
an account associated with the banking account data.
20. The non-transitory computer-readable storage medium of claim 18,
wherein the
instructions, when executed by a processor of a computing device, further
cause the
computing device to:
authenticate a second client device based on a credential associated with a
second
account record;
receive, from the second client device, an image of a non-user specific
account
statement template document, the non-user specific account statement template
document
including one or more section headers;
identify one or more section headers in the image of the non-user specific
account
statement template document as document markers;
obtain, from the second account record, current personal data associated with
the
authenticated second client device for data types identified by the document
markers, the
current personal data including dynamic data which varies over time;
generate display data for configuring the second client device to display an
augmented reality output based on the current personal data obtained from the
second
account record, the augmented reality output converting the non-user specific
account
statement template document to a user specific account statement document that
includes
34
Date recue/date received 2022-05-02

at least some of the current personal data displayed in relation to the
document markers;
and
transmit, to the second client device, the display data for configuring the
second
client device to display the augmented reality output based on the current
personal data and
at least one further image of the non-user specific account statement template
document.
21. A computing system comprising:
a communication module;
a processor coupled to the communication module; and
a memory coupled to the processor, the memory storing instructions that, when
executed,
configure the processor to:
receive, from an authenticated client device, an image of a non-user specific
account statement template document;
obtain, from an account record, current personal data associated with the
authenticated client device, the current personal data including dynamic data
which varies
over time;
generate display data for configuring the authenticated client device to
display an
augmented reality output based on the current personal data, the augmented
reality output
converting the non-user specific account statement template document to a user
specific
account statement document that includes at least some of the current personal
data; and
configuring the authenticated client device to display the augmented reality
output.
22. The computing system of claim 21, wherein the instructions, when
executed,
further configure the processor to:
receive, from a second authenticated client device, an image of a non-user
specific
account statement template document;
obtain, from a second account record, current personal data associated with
the
authenticated second client device, the current personal data including
dynamic data which
varies over time;
generate display data for configuring the second authenticated client device
to
display an augmented reality output based on the current personal data
obtained from the
Date recue/date received 2022-05-02

second account record, the augmented reality output converting the non-user
specific
account statement template document to a user specific account statement
document that
includes at least some of the current personal data; and
configuring the second authenticated client device to display the augmented
reality
output.
23. The computing system of claim 21, wherein the current personal data
includes
banking account data having dynamically changing value over time.
24. The computing system of claim 21, wherein obtaining the current
personal data
associated with the authenticated client device is subsequent to
authenticating the
client device based on a credential.
25. The computing system of claim 21, wherein the augmented reality output
includes
a live-view display of the non-user specific account statement template
document.
26. The computing system of claim 21, wherein the instructions, when
executed,
further configure the processor to identify a document marker using image
recognition.
27. The computing system of claim 26, wherein the document marker includes
at least
one of a keyword, a barcode, or a graphical symbol.
28. The computing system of claim 21, wherein the augmented reality output
includes
at least one of graphs or charts associated with the current personal data.
29. The computing system of claim 21, wherein the instructions, when
executed,
further configure the processor to:
receive, from the authenticated client device, a user selected subset of the
augmented reality
output; and
36
Date recue/date received 2022-05-02

transmit, to the authenticated client device, further display data for
displaying the user
selected subset of the augmented reality output at the authenticated client
device.
30. A computer-implemented method of augmenting objects associated with
personal
data, the method comprising:
receiving, from an authenticated client device, an image of a non-user
specific account
statement template document;
obtaining, from an account record, current personal data associated with the
authenticated
client device, the current personal data including dynamic data which varies
over time;
generating display data for configuring the authenticated client device to
display an
augmented reality output based on the current personal data, the augmented
reality output
converting the non-user specific account statement template document to a user
specific account
statement document that includes at least some of the current personal data;
and
configuring the authenticated client device to display the augmented reality
output.
31. The method of claim 30, further comprising:
receiving, from a second authenticated client device, an image of a non-user
specific account statement template document;
obtaining, from a second account record, current personal data associated with
the
authenticated second client device, the current personal data including
dynamic data which
varies over time;
generating display data for configuring the second authenticated client device
to
display an augmented reality output based on the current personal data
obtained from the
second account record, the augmented reality output converting the non-user
specific
account statement template document to a user specific account statement
document that
includes at least some of the current personal data; and
configuring the second authenticated client device to display the augmented
reality
output.
32. The method of claim 30, wherein the current personal data includes
banking
account data having dynamically changing value over time.
37
Date recue/date received 2022-05-02

33. The method of claim 30, wherein obtaining the current personal data
associated
with the authenticated client device is subsequent to authenticating the
client device
based on a credential.
34. The method of claim 30, wherein the augmented reality output includes a
live-view
display of the non-user specific account statement template document.
35. The method of claim 30, further comprising identifying a document
marker using
image recognition.
36. The method of claim 35, wherein the document marker includes at least
one of a
keyword, a barcode, or a graphical symbol.
37. The method of claim 30, wherein the augmented reality output includes
at least one
of graphs or charts associated with the current personal data.
38. The method of claim 30, further comprising:
receiving, from the authenticated client device, a user selected subset of the
augmented
reality output; and
transmitting, to the authenticated client device, further display data for
displaying the user
selected subset of the augmented reality output at the authenticated client
device.
39. A non-transitory computer-readable storage medium storing instructions
for
augmenting objects associated with personal data, the instructions, when
executed
by a processor of a computing device, cause the computing device to:
receive, from an authenticated client device, an image of a non-user specific
account
statement template document;
obtain, from an account record, current personal data associated with the
authenticated
client device, the current personal data including dynamic data which varies
over time;
38
Date recue/date received 2022-05-02

generate display data for configuring the authenticated client device to
display an
augmented reality output based on the current personal data, the augmented
reality output
converting the non-user specific account statement template document to a user
specific account
statement document that includes at least some of the current personal data;
and
configuring the authenticated client device to display the augmented reality
output.
40.
The non-transitory computer-readable storage medium of claim 39, wherein the
current personal data includes banking account data having dynamically
changing
value over time
39
Date recue/date received 2022-05-02

Description

Note : Les descriptions sont présentées dans la langue officielle dans laquelle elles ont été soumises.


SYSTEMS AND METHODS OF AUGMENTING OBJECTS ASSOCIATED WITH
PERSONAL DATA
TECHNICAL FIELD
[0001] The present application relates to augmented reality systems and, in
particular, to
systems and methods of augmenting objects associated with personal data.
BACKGROUND
[0002] Augmented reality systems can provide users with interactive
experiences, where
objects, when viewed via a computing device, in a real-world environment may
be augmented
with computer-generated information. The computer-generated information may be
displayed in
combination with representations of objects in the real-world environment. In
some examples,
the computer-generated information may provide additional information related
to respective
objects in the real-world environment.
[0003] For example, a computing device may include an image capture
device and a
display output device. The display output device may provide a live-view image
of an object
while the image capture device captures images of the object. An augmented
reality application
may supplement the live-view image of the object with computer-generated
information. The
computer-generated information may be constructively combined with the live-
view image of
the object or may selectively mask portions of the object provided in the live-
view image.
BRIEF DESCRIPTION OF THE DRAWINGS
[0004] Embodiments are described in detail below, with reference to
the following
drawings:
[0005] FIG. 1 illustrates, in block diagram form, a system of
augmenting objects
associated with personal data, in accordance with an example of the present
application;
[0006] FIG. 2 illustrates a signal diagram illustrating exchanges among
computing
devices for augmenting objects associated with personal data, in accordance
with an example of
the present application;
1
CA 3044176 2019-05-24

[0007] FIG. 3 illustrates a document on which augmented reality
objects based on
personal data may be provided, in accordance with an example of the present
application;
[0008] FIG. 4 illustrates, in flowchart form, a method of augmenting
objects associated
with personal data, in accordance with an example of the present application;
[0009] FIG. 5 illustrates the document of FIG. 3 having computer-generated
augmented
reality output integrated thereon, in accordance with an example of the
present application;
[0010] FIG. 6 illustrates an example partial view of the document of
FIG. 3;
[0011] FIG. 7 illustrates, in flowchart form, a method of augmenting
objects associated
with personal data, in accordance with an example of the present application;
[0012] FIG. 8 illustrates, in simplified block diagram form, an electronic
device, in
accordance with an example of the present application; and
[0013] FIG. 9 illustrates, in simplified block diagram form, a
server, in accordance with
an example of the present application.
[0014] Like reference numerals are used in the drawings to denote
like elements and
features.
DETAILED DESCRIPTION OF VARIOUS EMBODIMENTS
[0015] In one aspect, the present application may describe a
computing system that
includes: a communication module; a processor coupled to the communication
module; and a
memory coupled to the processor. The memory stores instructions that, when
executed, may
configure the processor to: authenticate a client device based on a credential
associated with an
account record; receive, from the client device, an indication of a document
marker, wherein the
document marker is based on an image of a document; obtain, from the account
record, personal
data associated with the document marker; and transmit, to the client device,
a display data based
on the personal data, the display data for configuring the client device to
display an augmented
reality output based on the personal data and at least one further image of
the document.
[0016] In some implementations, the personal data may include dynamic
data varying
over time. The instructions, when executed, may further configure the
processor to generate the
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CA 3044176 2019-05-24

display data for configuring the client device to display the augmented output
based on current
personal data obtained from the account record.
[0017] In some implementations, the document includes legacy data
associated with the
account record, and the displayed augmented reality output may include output
based on the
current personal data overlaying the legacy data to obscure the legacy data.
[0018] In some implementations, the personal data may include banking
account data
having dynamically changing value over time, and the current personal data may
include a
current market value of an account associated with the banking account data.
[0019] In some implementations, the augmented reality output includes
a live-view
display of the document.
[0020] In some implementations, the indication of the document marker
may include the
image of the document, and the instructions, when executed, may further
configure the processor
to identify the document marker using image recognition.
[0021] In some implementations, the augmented reality output may
include at least one
of graphs or charts associated with the personal data.
[0022] In some implementations, the document marker may include at
least one of a
keyword, a barcode, or a graphical symbol.
[0023] In some implementations, the instructions, when executed, may
further configure
the processor to: receive, from the client device, a user selected subset of
the augmented reality
output; and transmit further display data for displaying the selected subset
of the augmented
reality output at the client device.
[0024] In another aspect, the present application may describe a
computer-implemented
method of augmenting objects associated with personal data. The method may
include:
authenticating a client device based on a credential associated with an
account record; receiving,
from the client device, an indication of a document marker, where the document
marker may be
based on an image of a document; obtaining, from the account record, personal
data associated
with the document marker; and transmitting, to the client device, display data
based on the
3
CA 3044176 2019-05-24

personal data, the display data for configuring the client device to display
an augmented reality
output based on the personal data and at least one further image of the
document.
[0025] In some implementations, the personal data may include dynamic
data varying
over time, where the method may further comprise generating the display data
for configuring
client device to display the augmented output based on current personal data
obtained from the
account record.
[0026] In some implementations, the document may include legacy data
associated with
the account record, and wherein the displayed augmented reality output
includes output based on
the current personal data overlaying the legacy data to obscure the legacy
data.
[0027] In some implementations, obtaining the personal data associated with
the
document marker may be subsequent to authenticating the client device based on
the credential.
[0028] In some implementations, the augmented reality output may
include a live-view
display of the document.
[0029] In some implementations, the indication of the document marker
may include the
image of the document, and the method may further comprise identifying the
document marker
using image recognition.
[0030] In some implementations, the augmented reality output may
include at least one
of graphs or charts associated with the personal data.
[0031] In some implementations, the document marker may include at
least one of a
keyword, a barcode, or a graphical symbol.
[0032] In some implementations, the method may further include:
receiving, from the
client device, a user selected subset of the augmented reality output; and
transmitting further
display data for displaying the selected subset of the augmented reality
output at the client
device.
[0033] In another aspect, a non-transitory computer-readable storage medium
is provided
to store processor executable instructions that, when executed, cause a
processor of a computing
4
CA 3044176 2019-05-24

device to carry out the operations of one or more methods described herein.
The computer-
readable storage medium may include instructions for augmenting objects
associated with
personal data. For example, the processor executable instructions may
configure the processor of
the computing device to cause the computing device to authenticate a client
device based on a
credential associated with an account record; receive, from the client device,
an indication of a
document marker, where the document marker is based on an image of a document;
obtain, from
the account record, personal data associated with the document marker; and
transmit, to the
client device, display data based on the personal data, where the display data
may configure the
client device to display an augmented reality output based on the personal
data and at least one
further image of the document.
[0034] Other aspects and features of the present application will be
understood by those
of ordinary skill in the art from a review of the following description of
examples in conjunction
with the accompanying figures.
[0035] In the present application, the term "and/or" is intended to
cover all possible
combinations and sub-combinations of the listed elements, including any one of
the listed
elements alone, any sub-combination, or all of the elements, and without
necessarily excluding
additional elements.
[0036] In the present application, the phrase "at least one of
...or..." is intended to cover
any one or more of the listed elements, including any one of the listed
elements alone, any sub-
.. combination, or all of the elements, without necessarily excluding any
additional elements, and
without necessarily requiring all of the elements.
[0037] While examples described herein include data or fulfillment
servers associated
with banking institutions, the systems and methods described herein may also
be applicable to
servers associated with non-banking institutions that store and process
personal data. For
example, non-banking data servers may include government operated computer
servers for
administering taxation programs, retail company servers for administering
customer loyalty /
incentive programs, among other examples. Personal data may be data that, if
misappropriated,
may be perilous to a user's identity or may be considered a privacy breach.
[0038] Augmented reality systems may provide users with an
interactive experience.
Objects in a real-world environment may be augmented with computer-generated
information.
5
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The computer-generated information may be provided by an output module (e.g.,
display screen,
loudspeaker, or the like) in combination with a representation of the objects
in the real-world
environment. In some examples, the augmentation may be visual, auditory,
haptic, or olfactory in
nature. In some examples, the computer-generated information may be
constructive. That is, a
real-world object may be supplemented with the computer-generated information.
In some
examples, the computer-generated information may be destructive. That is, the
computer-
generated information may selectively mask or be overlaid on a representation
of an object in the
real-world environment. Example augmented reality systems augment a user's
experience by
integrating representations of objects in the real-world environment with
computer-generated
information.
[0039] In some examples, an augmented reality system may augment a
document
associated with resources, such as services, monetary value, goods, digital
assets, or the like,
corresponding to a user. To illustrate, a document may be a bank statement for
a user and the
bank statement may provide a summary of resources and associated market value
of the
resources. It may be appreciated that while examples described herein relate
to bank related
documents for respective targeted users, example documents may be other types
of non-bank
related documents associated with personal data of a user. In some examples,
the augmented
reality system may augment objects that may be associated with personal data.
In some
examples, personal data can include names, addresses, taxpayer identification
numbers, bank
account summaries, personal investment portfolio information, or the like. The
personal data
may include data that, if misappropriated by an unscrupulous entity, may be
used for conducting
fraudulent activity or that may be injurious to a user.
[0040] In some examples, a fulfillment server may generate a hard-
copy document for a
user. The fulfillment server may be associated with a banking institution and
the banking
institution may provide one or more bank accounts for tracking monetary value
of a user. The
hard-copy documents may be periodically generated and sent to a user and may
provide a
summary of the one or more bank accounts for that user at a particular point
in time (e.g., end of
month, end of quarter, etc.). Because generated documents may provide a
summary at a
particular point in time, in some scenarios, a generated document containing
information
associated with a time-varying value may become obsolete when received by an
intended user.
That is, the intended user may receive the generated document including data
regarding market
6
CA 3044176 2019-05-24

value of assets one or more days after the document was generated. In some
further examples,
unintended users or entities may handle hard-copy documents associated with
personal data. It
may be desirable to provide systems and methods for presenting personal data
to authenticated
users and, in addition, to provide systems and methods for presenting
substantially real-time
updates associated with personal data to the authenticated users.
[0041] Reference is made to FIG. 1, which illustrates in block
diagram form, a system
100 of augmenting objects associated with personal data, in accordance with an
example of the
present application. As described, in some examples, personal data may include
data associated
with banking accounts or resource records. In some other examples, it may be
understood that
personal data may include other types of data in non-banking contexts, the
misappropriation of
which by an unscrupulous entity may be injurious to a user associated with
that personal data.
[0042] The system 100 includes a client device 110 and a fulfillment
server 120.
Although FIG. 1 illustrates a single client device 110 and a single
fulfillment server 120, in some
examples, any number of client devices or fulfillment servers may be included.
The fulfillment
server 120 may be a data server associated with a banking institution.
Further, the client device
110 may be associated with a user. In some examples, a given client device 110
may be utilized
by two or more users, where each respective user may provide authentication
credentials (e.g.,
login name, passcode, or the like) when utilizing the client device 110 or
when interfacing with
an application of the client device 110.
[0043] The system 100 may include a network 150. The client device 110 and
the
fulfillment server 120 may be configured to communicate over the network 150
with one another
or with any other similar computing device. The network 150 may include one or
a combination
of interconnected wired or wireless networks, including the Internet, local
area networks,
wireless area networks, or the like.
[0044] As described, the client device 110 may be associated with a user.
The client
device 110 may be configured to receive input and may be configured to
interact with the user.
For example, the client device 110 may include an interactive application 112
having processor
executable instructions stored in memory that, when executed, cause a
processor to conduct
operations described herein for receiving user input via an input module or
providing augmented
reality output on an output module. In illustrative examples, the interactive
application 112 may
7
CA 3044176 2019-05-24

be a mobile banking application associated with the fulfillment server 120
(e.g., banking
institution server). As will be described herein, the interactive application
112 may receive input,
such as an image of a document or object, and may conduct actions or generate
an augmented
reality output based on received signals or display data from the fulfillment
server 120. Other
types of applications may be contemplated.
[0045] The client device 110 may also include document data 114 stored
in memory that
may be associated with input received from a user. For example, the document
data 114 may
include data associated with document images captured by an image capture
device 116. The
document data 114 may be transmitted to the fulfillment server 120 or the
document data 114
may include indications of document markers described herein. The indications
of the document
markers may be associated with providing augmented reality output.
[0046] The image capture device 116 may be configured to capture
images of objects or
documents. The client device 110 may include an input / output module 118 and
the user may
interact with the client device 110 via the input / output module 118. In some
examples, the input
.. / output module 118 may include a touch screen display for displaying a
user interface and a
touch screen interface for receiving motion or touch input from the user. In
some examples, the
input / output module 118 may include a physical keyboard, a pointing device,
or other examples
of input devices for receiving user input. A user may interact with the client
device 110 via the
input / output module 118.
[0047] The fulfillment server 120 may be a single server, multiple servers,
a server farm,
or any other such arrangement of computing devices to implement computing
server-like
functionality. The fulfillment server 120 includes one or more processors,
memory, and a
communication module for providing communications capabilities with other
computing
devices. In the example where the fulfillment server 120 may be associated
with a banking
institution, the fulfillment server 120 may manage accounts associated with at
least one user.
[0048] The fulfillment server 120 may include an augmentation
application 122 for
augmenting objects associated with personal data. The augmentation application
122 may
include processor executable instructions stored in memory that, when
executed, cause a
processor to conduct operations described herein. For example, the
augmentation application 122
may cause a processor to authenticate a client device 110 based on a
credential associated with a
8
CA 3044176 2019-05-24

client data record and receive, from the client device 110, an indication of a
document marker.
The document marker may be based on an image of a document. The processor may
obtain, from
the client data record, personal data associated with the document marker and
transmit, to the
client device 110, display data based on the personal data. The display data
may configure the
client device 110 to display an augmented reality output based on the personal
data and at least
one further image of the document.
[0049] The fulfillment server 120 may include client data records
124. The client data
records 124 may include a data structure having information associated with
one or more users.
The users may be associated with and/or authenticated at a client device 110.
Example client data
.. records 124 include a running balance of monetary value associated with
bank accounts (e.g.,
savings account, chequing account, etc.), investment accounts, lending
accounts (e.g., mortgage
accounts, line-of-credit account, etc.), or the like. Respective client data
records 124 or bank
account information may be associated with a user identifier or a credential
associated with
respective users.
[0050] The fulfillment server 120 may include resource records 126. The
resource
records 126 may track resources, including currency, monetary value, digital
assets, tokens,
precious metals, among other examples. In some examples, a client data record
124 may be
associated with a resource record 126. The association between the client data
record 124 and the
resource record 126 may be used to track a real-time or substantially real-
time value of accounts
.. or investment instruments.
[0051] As described, personal data includes data that may be
considered confidential. As
hard-copy documents may unintentionally be exposed while being transported
(e.g., via postal
mail), it may be desirable to limit the quantity of personal data included in
hard-copy documents
and to augment documents with supplemental personal data upon authenticating a
user
associated with the document. Further, personal data may include dynamic data
that may vary
over time. For instance, market value of a mutual fund or a chequing account
balance may vary
over the course of a day, week, month, or other time period. It may be
desirable to augment
documents with real-time or substantially real-time data for providing a user
with current
information.
9
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[0052] Reference is made to FIG. 2, which illustrates a signal diagram
200 illustrating
exchanges among computing devices for augmenting objects associated with
personal data, in
accordance with an example of the present application. The signal diagram 200
includes the
example client device 110 and the fulfillment server 120 of FIG. 1.
[0053] The signal diagram 200 illustrates operations that may be
implemented, at least in
part, through processor executable instructions stored at one or more of the
computing devices.
The operations may be carried out by one or more processors of the respective
devices, servers,
or applications thereon. Further, the signal diagram 200 illustrates
operations or exchanges
associated with particular computing servers or devices. Although a particular
operation may be
.. illustrated as being conducted at a particular device, it may be
contemplated that the particular
operation may be conducted alternatively at another device. For example, in a
scenario where a
user enters an authentication passcode, operations for validating the user
identity may be
conducted at the client device 110, at the fulfillment server 120, or at a
combination of the client
device 110 and the fulfillment server 120.
[0054] To illustrate example operations of the present application, the
client device 110
may be associated with a user and the interactive application 112 (FIG. 1) may
be a mobile
banking application associated with the fulfillment server 120 (e.g., banking
institution server).
The interactive application 112 may include instructions that, when executed,
cause the
processor to execute operations described herein for providing an augmented
reality output based
on personal data.
[0055] At operation 202, the client device 110 may display a request
to the user for an
authentication credential. The authentication credential may include a client
card number,
account number, username, or passcode, among other examples. The
authentication credential
may authenticate the user for an action while the user operates the client
device 110. In some
examples, the client device 110 may include authentication records for
authenticating the user at
the client device 110.
[0056] In some other examples, the fulfillment server 120 may conduct
the
authentication. At operation 204, the client device 110 may transmit the
received authentication
credential to the fulfillment server 120 and, at operation 206, the
fulfillment server 120 may
determine whether the received authentication credential matches a credential
associated with a
CA 3044176 2019-05-24

client data record 124 (FIG. 1). That is, the fulfillment server 120 may
authenticate the client
device based on a credential associated with an client data record 124.
[0057] At operation 208, the fulfillment server 120 may transmit an
authentication result
indication the client device 110.
[0058] In some examples, once the user is authenticated, the interactive
application 112
of the client device 110 may maintain an authenticated session with the
augmentation application
122 of the fulfillment server 120 until such time that a session ending
command is provided or
the session is otherwise terminated. In some other examples, the client device
110 may be
configured to associate an authentication credential with indications of
document markers or
with other requests / queries, such that the fulfillment server 120 conducts
authentication
operations when respective transmissions between the client device 110 and the
fulfillment
server 120 are made.
[0059] At operation 210, the client device 110 may capture, via the
image capture device
116 (FIG. 1), an image of a document. To illustrate, the document may be a
paper-based
investment product statement associated with a brokerage account. The document
may
summarize performance of investment products up to a fixed point in time
(e.g., end of a fiscal or
calendar quarter). In some examples, the document may include general personal
information
associated with the user, such as a name, address, and a summary listing of
investment products
or value. In some examples, the document may lack detailed information deemed
confidential or
sensitive to the user. For instance, the document may lack details outlining
the investment
portfolio mix (e.g., percentage holdings), the adjusted cost base value (e.g.,
for determining
changes in portfolio value since opening an account), or other information
that may be deemed
personal and confidential.
[0060] At operation 212, the client device 110 may transmit an
indication of a document
marker to the fulfillment server 120. In some examples, the client device 110
may parse the
document image to identify one or more document markers. The document marker
may be based
on an image of the document. For example, the document marker may be a
keyword, a barcode,
or a graphical symbol printed on the document. As will be described, in
further operations, the
fulfillment server 120 may obtain personal data or generate augmented data for
the authenticated
user based on the document marker. In some examples, the identified document
marker may be
11
CA 3044176 2019-05-24

transmitted to the fulfillment server 120. In some other examples, the client
device 110 may
include instructions to cause a processor to decipher what action or query may
be associated with
the document marker and, subsequently, transmit that indication of the
document marker to the
fulfillment server 120.
[0061] In some examples, an indicator of the document marker may be the
image of the
document itself and the client device 110, at operation 212, may transmit the
image of the
document to the fulfillment server 120. In the present example, the
fulfillment server 120 may
parse the document image for identifying one or more document markers based on
image
recognition operations.
[0062] At operation 214, the fulfillment server 120 receives the indication
of the
document marker and obtains, from one or more client data records 124,
personal data associated
with the document marker. In some examples, the fulfillment server 120 may
obtain the personal
data associated with the document marker subsequent to authenticating the
client device 110
based on the credential.
[0063] Continuing with the above-described example, the fulfillment server
120 may
retrieve a client data record associated with the user of the authenticated
client device and may
obtain personal data associated with the document marker. For instance, the
document marker
may be a keyword phrase "registered accounts". In some scenarios, the document
may include a
summary listing of investment products associated with the user's "registered
accounts";
.. however, it may be desirable to provide a detailed view of the investment
products. Accordingly,
the fulfillment server 120 may be configured to generate the personal data
based on data entries
stored in the client data record. In some examples, the fulfillment server 120
may generate
graphical illustrations of the portfolio allocation of investment products
associated with the user.
Based on the obtained personal data, the fulfillment server 120 may generate
display data for
configuring the client device 110 to display an augmented reality output based
on the personal
data.
[0064] At operation 216, the fulfillment server 120 transmits, to the
client device 110, the
display data based on the personal data for configuring the client device 110
to display an
augmented reality output supplementing the image of the document.
12
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[0065] At operation 218, the client device 110 generates an augmented
reality output for
display via the input / output module 118. For example, while the user
positions the client device
110 adjacent to the document such that the image capture device 116 captures
an image of the
document, the display data received from the fulfillment server 120 may
configure the client
device 110 to overlay augmented reality content overtop the image of the
document.
Accordingly, using a display screen or other output module, the user may view
a combination of
the document and the augmented reality content based on the personal data.
[0066] In some examples, while the user positions the client device
110 adjacent the
document, the client device 110 may provide a live-view display of the
document. Once the
client device 110 conducts the example operations described in the signal
diagram of FIG. 2 and
receives the display data associated with augmented reality output, the client
device 110 may
display the supplemental content as augmented reality content within the live-
view display of the
document.
[0067] In some examples, a user-specific document may be a hard-copy
document that
was prepared for a particular user. That is, the document may include a user-
specific document
marker, such as a barcode, a name, an account number, or other unique
identifier, that is
associated with personally identifying information of the specific user. As
will be described, the
client device 110 may be configured to display, via a live-view display,
augmented reality output
in combination with a visual representation of the user-specific document
when: (1) the client
device 110 authenticates the specific user via the interactive application
112; and (2) the client
device 110 identifies that the user-specific document marker is associated
with the specific user
who has been authenticated at the client device 110. In the present example,
the client device 110
may provide augmented reality output in combination with a user-specific
document on the live-
view display when the specific user is authenticated (e.g., logged in) at the
client device 110.
Conversely, the client device 110 may not provide the augmented reality output
in combination
with the above-described user-specific document when an alternate user is
authenticated (e.g.,
logged in) at the client device 110. In the latter scenario, although the
alternate user may be
authenticated at the client device 110, the user-specific marker of the above-
described user-
specific document may not be associated with the alternate user and thereby
prevents display of
the user-specific augmented reality output, or any augmented reality output,
to the alternate user.
13
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[0068] In some examples, the document may be non-user specific. That
is, the document
may be a generic document for triggering augmented reality output to be
displayed at the client
device 110. For instance, the document may be a chequing account statement
template that may
include section headers. The chequing account statement template may be a
standard form for
printing user specific information thereon. To address some of the challenges
relating to keeping
hard-copy documents unexposed to unscrupulous parties, example systems and
methods
described herein may provide user-specific augmented reality output based, in
part, on a
document template defining data types to be provided as augmented reality
output.
[0069] In one example, the client device 110 may be configured to
display user-specific
augmented reality output in combination with a visual representation of the
chequing account
statement template. The respective section headers may be document markers.
The client device
110 or the fulfillment server 120 may determine the data type(s) and user-
specific data that may
be included in the augmented reality output. For example, the chequing account
statement
template may include the headings: overall balance, total credits, total
debits, overdraft limit, or
the like, and the headings may identify data type(s) to be included in the
augmented reality
output. The data type(s) may be applicable to users who may have an associated
chequing
account statement. Accordingly, when a first user is authenticated at the
client device 110, the
client device 110 may provide augmented reality output that includes a first
set of data associated
with the first user for each of the overall balance, total credits, total
debits, overdraft limit, or the
like. Similarly, when a second user is authenticated at the client device 110,
the client device 110
may provide augmented reality output that includes a second set of data
associated with the
second user for each of the overall balance, total credits, total debits,
overdraft limit, or the like.
Thus, the example chequing account statement template may be used by any one
of multiple
users for triggering augmented reality output that may be specific to the
authenticated user at the
client device 110.
[0070] In the examples described herein, the generated augmented
reality output may be
displayed in response to a successful user authentication. The augmented
reality output may
include supplemental content based on personal data of a particular user that
may be
confidential. Thus, the systems and methods described herein may provide
access controls
associated with displaying or otherwise providing supplemental content to a
successfully
14
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authenticated user. That is, the fulfillment server 120 may provide personal
information using
augmented reality output on a user-by-user basis.
[0071] Reference is made to FIG. 3, which illustrates a document 300
on which
augmented reality objects based on personal data may be provided, in
accordance with an
example of the present application.
[0072] Continuing with above described examples, the fulfillment
server 120 (FIG. 1)
may be associated with a banking institution and the client device 110 may be
associated with a
user. The document 300 may be a periodic statement providing a listing of
products associated
with a user.
[0073] The document 300 may include an institution logo 302 that identifies
a branch of
the banking institution. For example, the institution logo 302 may be a logo
for the wealth
management division of the banking institution. The institution logo 302 may
be an example of a
document marker. In the present example, the institution logo 302 may be
included on a template
investment statement. Accordingly, when the fulfillment server 120 identifies
the institution logo
.. 302 as a document marker, the fulfillment server 120 may identify a set of
data types associated
with the template investment statement. In the present example, when the
fulfillment server 120
generates display data to display an augmented reality output, the augmented
reality output may
include user data associated with each of the respective data types associated
with the template
investment statement.
[0074] The document 300 may include a general user identifier 304
associated with the
user. Further, the general user identifier 304 may be another example document
marker. The
general user identifier 304 may include high-level information that may be
used to uniquely
identify the user and may not include specific details, such as an address,
birthdate, taxpayer
identification number, or the like. In the illustrated example, the user is
"Jane Doe" and a client
number may be provided. In some scenarios, the client number may be an
assigned number that
may not have any significance to an organization other than the banking
institution associated
with the institution logo 302.
[0075] In the example where the document 300 is a user-specific
document (e.g., afore-
mentioned example user-specific document), the fulfillment server 120 may
generate display
data to display an augmented reality output in combination with the user-
specific document only
CA 3044176 2019-05-24

in response to determining that the general user identifier 304 is associated
with the authenticated
user of the client device 110. That is, in the scenario where the general user
identifier 304 (e.g.,
Jane Doe) is not associated with the authenticated user (e.g., Bob) of the
client device 110, the
fulfillment server 120 may not generate the display data to display any
augmented reality output
in combination with the user-specific document.
[0076] The document 300 may also include a summary list 306 of
products that may be
associated with the user. The summary list 306 may provide a listing of
product names and an
aggregate total value associated with the respective products for the user. In
some examples, a
product name may be supplemented with a product logo 308. The product logo 308
may be
another example document marker. In some examples, when the fulfillment server
120 identifies
the product logo 308 as a document marker, the fulfillment server 120 may
identify a set of data
types associated with the product logo 308. As will be described in a
subsequent illustrated
example, the set of data types may include data relating to cash holdings,
securities holdings,
equity holdings, or the like. Thus, the fulfillment server 120 may be
configured to retrieve data
relating to cash holdings, security holdings, equity holdings, or the like,
that is associated with
the user (e.g., the user who has authenticated with the fulfillment server 120
and/or the client
device 110).
[0077] The document 300 may further include a section for identifying
Beneficiaries 310
of the user. In some scenarios, beneficiary identification may be confidential
information that
users may not wish to be published. In the example illustrated in FIG. 3, the
term "Beneficiaries"
may be another example document marker. That is, when the fulfillment server
120 identifies the
term "Beneficiaries" as a document marker, the fulfillment server 120 may be
configured to
retrieve data relating to a beneficiary name that is associated with the user
(e.g., the user who has
authenticated with the fulfillment server 120 and/or the client device 110).
[0078] The document 300 may include a document barcode 312, which may be
another
example document marker. The document barcode 312 may encode data for
identifying the
document type, document version, or other attributes associated with the
document 300. For
instance, the document barcode 312 may be a 1-dimensional barcode, a 2-
dimensional barcode,
or other type of barcode. In an example where the document 300 illustrated in
FIG. 3 is a user-
specific document, the document barcode 312 may correspond to user
identification data (e.g.,
16
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Jane Doe). Further, the fulfillment server 120 may be configured to retrieve
data associated with
the one or more of the illustrated document markers in response to determining
Jane Doe is the
authenticated user (e.g., Jane Doe has authenticated with the fulfillment
server 120 and/or the
client device 110). Thus, augmented reality output is combined with a visual
representation of
the document 300 when: (1) Jane Doe authenticates with the fulfillment server
120 and/or the
client device; and (2) the fulfillment server validates that the user (e.g.,
Jane Doe) associated
with the document barcode 312 corresponds to the user authenticated with the
fulfillment server
120 and/or the client device 110).
[0079] In another example, an alphanumeric text string may be an
example document
marker. For example, the document 300 of FIG. 3 includes the text string
"$23,111". In the
present example, the fulfillment server 120 may be configured to query a
client data record 124
associated with the user (e.g., the user who has authenticated with the
fulfillment server 120
and/or the client device 110) to identify further supplemental data associated
with the text string
"$23,111". As an illustration, the fulfillment server 120 may identify the
data type associated
with the text string "$23,111" and, subsequently, determine that updated user
data associated
with that identified data type may be available. Thus, the fulfillment server
120 may generate
display data to provide an augmented reality output to overlay the updated
user data atop the text
string "$23,111" in a visual representation of the document 300. In the
present example, the
document 300 may have data printed thereon that is outdated. Accordingly, the
text string
$23,111 may be an example document marker for triggering augmented reality
output for
providing updated user data.
[0080] The fulfillment server 120 may be configured to retrieve data
corresponding to the
authenticated user and associated with one or a combination of any number of
document markers
and, subsequently, generate display data for displaying an augmented reality
output associated
with the retrieved data. The institution logo 302, the general user identifier
304, the summary list
306, the product logo 308, or the document barcode 312 are illustrative
examples of document
markers and other examples may be contemplated. For instance, document markers
may include
the document date, document numbers, or other identifying feature of the
document 300. In one
example, the fulfillment server 120 may utilize a document date for
identifying a particular
version of the document 300.
17
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[0081] Reference is made to FIG. 4, which illustrates, in flowchart
form, a method 400 of
augmenting objects associated with personal data, in accordance with an
example of the present
application. The method 400 includes operations that may be carried out by one
or more
processors of the fulfillment server 120 (FIG. 1). For example, the method 400
may be
implemented, at least in part, through processor executable instructions
associated with the
augmentation application 122 (FIG. 1). In some examples, one or more
operations may be
implemented via processor executable instructions in other applications or in
an operating system
stored and executed on the fulfillment server 120.
[0082] Continuing with the example described above, the fulfillment
server 120 may be
associated with a banking institution providing products to the user. The user
may interact with
the client device 110. The client device 110 may receive authentication
credentials from the user
prior to providing augmented reality output. Further, the document 300
illustrated in FIG. 3 may
be a hard-copy document sent via postal mail or generated at a brick-and-
mortar bank location.
At least some of the operations of the augmentation application 122 may
provide an augmented
reality output based on personal data for supplementing the information
printed on the document
300.
[0083] At operation 402, the processor authenticates the client
device 110 based on a
credential associated with an account record (e.g., a client data record 124
of FIG. 1). In some
examples, the client device 110 may be associated with the user and the client
device 110 may
receive from the user a set of login credentials including a client
identification number and a
passcode for activating the interactive application 112 (FIG. 1). The
interactive application 112
may be a mobile banking application. The processor of the fulfillment server
120 may receive,
from the client device 110, the login credentials and authenticate the client
device 110. The login
credentials may be associated with one or more of the client data records.
Thus, the processor of
the fulfillment server 120 may retrieve a data record associated with the
user. Other operations
for authenticating the client device 110 including operations at one or a
combination of the client
device 110 and the fulfillment server 120 may be contemplated.
[0084] At operation 404, the processor receives, from the client
device 110, an indication
of a document marker. The document marker may be based on an image of the
document 300.
The document marker may include a product logo 308 (FIG. 3), a keyword (e.g.,
the word
18
CA 3044176 2019-05-24

"Beneficiaries", "A-series", etc.), a document barcode 312, or other features
of the document
300. In some examples, the client device 110 may be positioned to capture an
image of the entire
document 300. The image may include a view of several document markers. In
some other
examples, the user may position the client device 110 adjacent the document
300 such that a
subset portion of the document 300 may be imaged by the image capture device
116 (FIG. 1) of
the client device 110. Depending on how the document 300 may be positioned
within a field of
view of the image capture device 116, the processor may capture an image
including fewer or
greater number of document markers.
[0085] In some examples, the indication of the document marker may be
the image of the
complete document. That is, the client device 110 may capture an image of the
document 300
and, subsequently, transmit that image of the document 300 to the fulfillment
server 120. In the
present example, the processor (of the fulfillment server 120) may identify
one or more
document markers using image recognition operations. For example, image
recognition
operations may include optical character recognition operations or image
parsing operations for
identifying graphical icons / logos or document barcodes.
[0086] In some other examples, the client device 110 may conduct the
image recognition
operations to identify one or more keywords, graphical symbols, or barcodes
and, subsequently,
may transmit a summary of the identified document markers to the fulfillment
server 120. In the
present example, the summary of the identified document markers may be
sufficient for
identifying associated personal data.
[0087] At operation 406, the processor obtains, from the account
record associated with
the authenticated user, personal data associated with the document marker. For
example,
referring again to FIG. 3, the document includes the institution logo 302. The
institution logo 302
may be an example of a document marker. The processor may identify the
institution logo 302 as
a document marker and, in response, may identify that the document may be a
standard bank
statement having a set of data types. For instance, the data types may include
data for aggregate
total value of banking products, data indicating beneficiary designation, data
for providing
granular details associated with the various banking products, or the like.
Accordingly, the
processor may be configured to retrieve, from the data record associated with
the authenticated
user, personal data of the aforementioned example data types for the
authenticated user.
19
CA 3044176 2019-05-24

[0088] In another example, the document 300 of FIG. 3 includes the
product logo 308
and the summary list 306 of banking products. The processor may identify the
product logo 308
and/or text-strings of the summary list 306 (e.g., A-series, B-series, C-
series, G-series, etc.) as
document markers and, in response, may be configured to retrieve data for
providing granular
data or for generating visual summaries (e.g., pie charts, graphs, or the
like) associated with the
respective banking products.
[0089] In another illustrating example, the processor may identify
the text string
Beneficiaries 310 as a document marker and obtain, from the data record
associated with the
authenticated user, beneficiary names. The beneficiary names may be an example
of personal
data which the authenticated user may desire to remain confidential.
[0090] In another illustrating example, the processor may identify
the document barcode
312 as a document marker. For instance, the document barcode 312 may be a
barcode encoded
with information associated with a user. In an example where the document 300
may be a user-
specific document, the encoded information may be used by the fulfillment
server 120 to
determine whether display data representing an augmented reality output shall
be generated. For
example, the processor may decode the document barcode 312 and may determine
that the
document 300 is a user-specific document for "Jane Doe". Thus, the processor
may obtain, from
the data record associated with "Jane Doe", personal data only in response to:
(1) the
authenticated user of the client device 110 is determined to be "Jane Doe"
(see operation 402);
and (2) the authenticated user "Jane Doe" corresponds to the user (e.g., "Jane
Doe") associated
with the document barcode 312. Conversely, in the present example, if the
processor determined
that the authenticated user of the client device 110 is "John Smith", the
processor may refrain
from obtaining personal data for the document, at least, because the document
300 is a user-
specific document for "Jane Doe".
[0091] In some examples, the personal data associated with one or more
document
markers may include dynamic data varying over time. As an illustrating
example, the personal
data may include mutual fund market values that may fluctuate based on trends
of major stock
exchanges. In some examples, the processor may generate display data to
configure the client
device 110 to display an augmented output based on current personal data
obtained from the
account record. In another example, the personal data may be banking account
data having
CA 3044176 2019-05-24

dynamically changing value over time, and the current personal data may
include a current
market value of an account associated with the banking account data at a
current time.
[0092] Based at least on obtained personal data associated with one
or more document
markers, augmented reality output may include textual data, graphical data, or
other
visualizations that may provide further granular or supplemental details
associated with data
types of the document 300. In some examples, augmented reality output may also
include
updated or current data associated with data types of the document 300 (e.g.,
updated banking
product value, or the like). The fulfillment server 120 may generate the
display data for
configuring the client device 110 to display augmented reality output based,
at least in part, on
the prior obtained personal data.
[0093] At operation 408, the processor transmits, to the client
device 110, display data
based on the personal data. The display data may configure the client device
110 to display an
augmented reality output based on: (1) the previously obtained personal data;
and (2) at least one
further image of the document 300. In some examples, the at least one further
image of the
document 300 may be successive subsequent images of a live-view document image
accessed
via the client device 110. Illustrative examples of augmented reality output
based on the personal
data is shown with reference to FIG. 5.
[0094] Reference is made to FIG. 5, which illustrates the document
300 of FIG. 3 having
computer-generated augmented reality output integrated thereon, in accordance
with an example
of the present application. For ease of exposition, in FIG. 5, augmented
reality output features
are highlighted within dotted line borders. It may be understood that when
viewed through a
display of the client device 110, the augmented reality output features may
appear seamlessly
integrated with one or more images of the document 300.
[0095] In one example, personal data including a registered taxpayer
identification
number 520 may be associated with the combination of document markers
including: (1) the
keyword expression "Jane Doe"; and (2) the document barcode 312. Thus, when
the
authenticated user (e.g., Jane Doe) views an augmented reality output of the
document 300
through a display of the client device 110, the registered taxpayer
identification number 520 may
be provided on a live-view display. In the present example, the keyword
expression "Jane Doe"
may have been identified as a document marker and may be associated with a
data type for a
21
CA 3044176 2019-05-24

taxpayer identification number. Accordingly, in some example operations
described herein, the
fulfillment server 120 may have obtained, from the data record associated with
the authenticated
user "Jane Doe", the taxpayer identification number 520 for inclusion as
augmented reality
output.
[0096] In another example, personal data including the names Bill Ip and
Ann Greene
522 may be associated with the text string "Beneficiaries" (e.g., a document
marker). When the
user views an augmented reality output of the document 300 using the display
of the client
device 110, the names of the beneficiaries may be visible.
[0097] Similarly, when the user views an augmented reality output of
the document, the
supplemental breakdown of mutual fund products 530 (e.g., dollar value of
cash, securities, or
equity associated with respective mutual funds) may be visible via the client
device 110. The
additional breakdown of mutual fund products 530 may be associated with the
product logo 308.
[0098] In another example, products such as investments or banking
accounts may have
fluctuating value over time (e.g., stock exchange movement or day-to-day
credits / debits
associated with bank accounts). As described above, the fulfillment server 120
may generate
augmented reality output associated with current personal data based on
updated market values
540 for display as augmented reality output. In the present example, the
updated market values
540 may be overlaid on legacy data. When the document 300 is viewed using the
display of the
client device 110, the legacy data may appear to be obscured or overwritten by
augmented reality
output representing the updated market values 540. For instance, a legacy data
value (e.g.,
$23,111) associated with a "Registered B-series" product illustrated in FIG. 3
may be obscured
or overwritten with an updated market value 540 (e.g., $25,000) in FIG. 5. Or
a legacy data value
(e.g., $433) associated with a "Non-Registered A-series" product illustrated
in FIG. 3 may be
obscured or overwritten with an updated market value 540 (e.g., $1,288) in
FIG. 5.
[0099] In some examples, the respective document markers may be associated
with
instructions associated with location placement of the augmented reality
output relative to legacy
data. In FIG. 5, the text string "B-series" (e.g., a document marker) may be
associated with
relative location data to identify that augmented reality output associated
with an aggregate
"Total Value", that is associated with the authenticated user for the B-series
product, shall be
22
CA 3044176 2019-05-24

displayed / rendered in a region to the right side of the text string "B-
series". Other methods of
determining placement of augmented reality output may be contemplated.
[0100] In some further examples, the augmented reality output may
include one or more
graphs or charts associated with the personal data from the account record.
For instance, the
.. augmented reality output may include a pie chart 532 visually illustrating
asset allocation
information for the authenticated user. In some examples, the authenticated
user may instruct, via
a user interface, the client device 110 to capture a screen shot of the
augmented reality output in
combination with the visual representation of the document for the user's
records. It may be
appreciated that the one or more document markers, augmented reality output,
or the document
300 illustrated in FIG. 3 and FIG. 5 are examples. Other document markers,
augmented reality
output, or documents may be contemplated.
[0101] As described, the client device 110 may be configured to
provide augmented
reality output for a live-view display of the document 300. For instance, the
user may position
the client device 110 to capture a live-view image of the document 300. In
response to operations
described herein, the client device 110 may receive the display data based on
personal data to
provide the augmented reality output as the live-view image of the document
300. The display
data for providing the augmented reality output may be provided in near real-
time such that the
augmented reality output may be provided while the live-view image of the
document 300 is
active. The user may be restricted to viewing information associated with that
user's personal
data and not of other users.
[0102] In the examples described herein, the augmented reality output
may be associated
with respective users. When the client device 110 is authenticated based on
credentials of a first
user, the augmented reality output may be substantially different than the
augmented reality
output associated with a second user. The first user and the second user may
be associated with
different personal data and in different account records.
[0103] The image capture device 116 (e.g., of the client device 110)
may capture a
substantially whole view of the document 300. In some scenarios, the client
device 110 may be
positioned nearer to the document 300 such that the image capture device 116
may capture a
partial view of the document 300. To illustrate, reference is made to FIG. 6,
which illustrates an
example partial view 600 of the document 300 of FIG. 3.
23
CA 3044176 2019-05-24

[0104] In FIG. 6, as compared to a substantially whole view of the
document illustrated
in FIG. 3, the client device 110 may be positioned nearer to the document 300
such that the client
device 110 captures a view of a left-hand side of the document 300. That is,
the client device 110
may capture an image including the summary list 306 of products associated
with the user and to
the exclusion of other portions of the document 300. Accordingly, based on
obtained personal
data from an account record associated with an authentication credential, the
client device 110
may display augmented reality output associated with the product logo 308 or
other keyword
document markers. In FIG. 6, the augmented reality output includes the updated
market values
540. That is, the client device 110 may display augmented reality output
insofar as supplemental
data corresponds to the relevant subset portion of the document as captured by
the image capture
device 116.
[0105] Reference is made to FIG. 7, which illustrates, in flowchart
form, a method 700 of
augmenting objects associated with personal data, in accordance with an
example of the present
application. The method 700 includes operations that may be carried out by one
or more
processors of the fulfillment server 120 (FIG. 1). For example, the method 700
may be
implemented, at least in part, through processor executable instructions
associated with the
augmentation application 122 (FIG. 1). In some examples, one or more
operations may be
implemented via processor executable instructions in other applications or in
an operating system
stored and executed on the fulfillment server.
[0106] As described, personal data may include dynamic data varying over
time. For
example, investment products may have fluctuating value over time. It may be
desirable to
provide augmented reality output that is associated with current or updated
data.
[0107] At operation 702, the processor may identify legacy data being
displayed in a
document 300. For example, the fulfillment server 120 may receive, from the
client device 110,
an image of the document 300 illustrated in FIG. 3 and may identify legacy
data being displayed
in the document 300. For example, the document 300 states that the "Registered
B-series"
holdings associated with the authenticated user have an aggregate total value
of $23,111.
However, the stated aggregate total value may be at a particular point in time
(e.g., last day of the
previous month). The data values illustrated in the document 300 may be
outdated and the
aggregate total value of $23,111 may be regarded as a legacy data value.
24
CA 3044176 2019-05-24

[0108] In the foregoing example, the processor may be configured to
query the totality of
data types associated with the document 300 to identify whether the respective
data values may
be outdated. Continuing with the above example, the processor may query the
client data record
associated with the authenticated user to determine whether the aggregate
total value (e.g., for
the "Registered B-series" holding) data of $23,111 has changed. That is, the
processor may
determine that the aggregate total value has changed if the current market
value is different than
$23,111. Other methods of determining whether data of the document 300 is
outdated may be
contemplated.
[0109] At operation 704, the processor may obtain updated or current
personal data (e.g.,
data as of the time of data retrieval) from the client data record 124
associated with the
authenticated user. In some scenarios, the processor may also generate the
display data for
displaying augmented reality output based on the current personal data.
[0110] At operation 706, the processor may determine whether the
current personal data
is substantially the same as the legacy data displayed in the document 300. In
some examples,
the processor may conduct image recognition operations to identify the legacy
data displayed in
the document 300 and may compare the identified legacy data with the current
personal data. In
the scenario that the legacy data displayed in the document 300 is
substantially the same as the
current personal data associated with the client data record 124, the
processor may not generate
augmented reality output to obscure or overwrite legacy data when viewing the
document 300
using the client device 110.
[0111] In the scenario that the legacy data displayed in the document
300 is not
substantially the same as the legacy data of the document 300, the processor,
at operation 708,
may transmit, to the client device 110, display data for displaying augmented
output data based
on the current personal data overlaying the legacy data to overwrite or
obscure the legacy data
when the document 300 is viewed using the client device 110. As illustrated in
FIG. 5, the
updated market values 540 may appear overlaid atop the legacy values of the
document 300
when the document 300 is viewed via the client device 110.
[0112] As described, the fulfillment server 120 (FIG. 1) may generate
display data based
on personal data for configuring the client device 110 to display an augmented
reality output
based on the personal data and the at least one further image of the document.
That is, the
CA 3044176 2019-05-24

augmented reality output may be associated with numerous augmented reality
output portions.
Referring again to FIG. 5, the augmented reality output associated with the
document 300 may
include a registered taxpayer identification number 520, beneficiary names
"Bill Ip and Ann
Greene" 522, a granular breakdown of mutual fund products 530, pie charts 532
or other
graphical illustrations based on personal data, updated market values 540, or
the like.
[0113] Because an augmented reality output may be associated with a
large quantity of
augmented reality portions, it may be desirable to allow an authenticated user
to identify a subset
of augmented reality output portions for display. In some examples, the
fulfillment server 120
may receive, from the client device 110, a user selection for identifying a
subset of available
augmented reality output. Further, the fulfillment server 120 may transmit
further display data to
display the selected subset of the augmented reality output at the client
device 110. In an
example scenario with reference to FIG. 5, an authenticated user may desire
viewing augmented
reality data associated with asset allocation mix information via a pie chart
532. In the present
example scenario, the fulfillment server 120 may generate the display data for
displaying
augmented reality output of the pie chart 532 to the exclusion of other
personal data. For
instance, the authenticated user may be uninterested in displaying beneficiary
names.
[0114] Reference is made to FIG. 8, which illustrates, in simplified
block diagram form,
an electronic device 800, in accordance with an example of the present
application. The
electronic device 800 can be the client device 110 of FIG. 1. The electronic
device 800 includes
one or more processors 802, memory 804, and a communications module for
providing network
capabilities to communicate with other computing devices. The memory 804 may
store processor
executable software applications 806 that include an operating system to
provide basic device
operations. The software applications 806 may also include instructions
implementing operations
of the methods described herein.
[0115] The electronic device 800 includes a display interface and/or a
display 808. The
display 808 may be any suitable display such as a liquid crystal display
(LCD), an e-ink / e-paper
display, or the like. In some examples, the display 808 may be a touchscreen
display. The
electronic device 800 includes an input module 810 for receiving signals
representing commands
described in examples herein. In some examples, the input module 810 may be a
keyboard
device, a touch input device, or a microphone for receiving acoustic input
from a user of the
26
CA 3044176 2019-05-24

electronic device 800. The electronic device 800 may also include an image
capture device 812.
The image capture device 812 may correspond to the image capture device 116 of
FIG. 1 for
capturing images of objects or documents and/or providing a live view of the
objects or
documents on the display 808.
[0116] In some examples, the electronic device 800 may be a portable
electronic device,
such as a smartphone, a personal computer, a personal digital assistant, a
portable navigation
device, a mobile phone, a wearable computing device (e.g., smart watch,
wearable activity
monitor, or the like), or any other type of computing device that may be
configured to store data
and software instructions, and execute software instructions to perform
example operations
described herein.
[0117] Reference is made to FIG. 9, which illustrates, in simplified
block diagram form,
a server 900, in accordance with an example of the present application. The
server 900 may be
the fulfillment server 120 of FIG. 1. The server 900 includes one or more
processors 902,
memory 904, and a communications module for providing network capabilities to
communicate
with other computing devices. The memory 904 may include data records 990. In
the example of
the fulfillment server 120, the data records 990 may include the client data
records 124 and/or
the resource records 126 of FIG. 1.
[0118] The memory 904 may also include applications 982 having
instructions for
performing operations described herein. In an example of the fulfillment
server 120, the
.. applications 982 may include the augmentation application 122 of FIG. 1.
[0119] Example embodiments of the present application are not limited
to any particular
operating system, system architecture, mobile device architecture, server
architecture, or
computer programming language.
[0120] It will be understood that the applications, modules,
routines, processes, threads,
or other software components implementing the described method/process may be
realized using
standard computer programming techniques and languages. The present
application is not limited
to particular processors, computer languages, computer programming
conventions, data
structures, or other such implementation details. Those skilled in the art
will recognize that the
described processes may be implemented as a part of computer-executable code
stored in volatile
or non-volatile memory, as part of an application-specific integrated chip
(ASIC), etc.
27
CA 3044176 2019-05-24

[0121]
Certain adaptations and modifications of the described embodiments can be
made.
Therefore, the above discussed embodiments are considered to be illustrative
and not restrictive.
28
CA 3044176 2019-05-24

Dessin représentatif
Une figure unique qui représente un dessin illustrant l'invention.
États administratifs

2024-08-01 : Dans le cadre de la transition vers les Brevets de nouvelle génération (BNG), la base de données sur les brevets canadiens (BDBC) contient désormais un Historique d'événement plus détaillé, qui reproduit le Journal des événements de notre nouvelle solution interne.

Veuillez noter que les événements débutant par « Inactive : » se réfèrent à des événements qui ne sont plus utilisés dans notre nouvelle solution interne.

Pour une meilleure compréhension de l'état de la demande ou brevet qui figure sur cette page, la rubrique Mise en garde , et les descriptions de Brevet , Historique d'événement , Taxes périodiques et Historique des paiements devraient être consultées.

Historique d'événement

Description Date
Accordé par délivrance 2023-10-31
Lettre envoyée 2023-10-31
Inactive : Page couverture publiée 2023-10-30
Préoctroi 2023-09-18
Inactive : Taxe finale reçue 2023-09-18
Un avis d'acceptation est envoyé 2023-05-19
Lettre envoyée 2023-05-19
Inactive : Q2 réussi 2023-05-17
Inactive : Approuvée aux fins d'acceptation (AFA) 2023-05-17
Lettre envoyée 2022-06-06
Modification reçue - modification volontaire 2022-05-02
Requête d'examen reçue 2022-05-02
Modification reçue - modification volontaire 2022-05-02
Toutes les exigences pour l'examen - jugée conforme 2022-05-02
Exigences pour une requête d'examen - jugée conforme 2022-05-02
Demande publiée (accessible au public) 2020-11-24
Inactive : Page couverture publiée 2020-11-23
Représentant commun nommé 2020-11-07
Représentant commun nommé 2019-10-30
Représentant commun nommé 2019-10-30
Inactive : CIB attribuée 2019-08-29
Inactive : CIB en 1re position 2019-08-29
Inactive : CIB attribuée 2019-08-29
Inactive : CIB attribuée 2019-06-18
Inactive : Certificat dépôt - Aucune RE (bilingue) 2019-06-11
Demande reçue - nationale ordinaire 2019-05-29

Historique d'abandonnement

Il n'y a pas d'historique d'abandonnement

Taxes périodiques

Le dernier paiement a été reçu le 2023-05-08

Avis : Si le paiement en totalité n'a pas été reçu au plus tard à la date indiquée, une taxe supplémentaire peut être imposée, soit une des taxes suivantes :

  • taxe de rétablissement ;
  • taxe pour paiement en souffrance ; ou
  • taxe additionnelle pour le renversement d'une péremption réputée.

Les taxes sur les brevets sont ajustées au 1er janvier de chaque année. Les montants ci-dessus sont les montants actuels s'ils sont reçus au plus tard le 31 décembre de l'année en cours.
Veuillez vous référer à la page web des taxes sur les brevets de l'OPIC pour voir tous les montants actuels des taxes.

Historique des taxes

Type de taxes Anniversaire Échéance Date payée
Taxe pour le dépôt - générale 2019-05-24
TM (demande, 2e anniv.) - générale 02 2021-05-25 2021-05-20
Requête d'examen - générale 2024-05-24 2022-05-02
TM (demande, 3e anniv.) - générale 03 2022-05-24 2022-05-18
TM (demande, 4e anniv.) - générale 04 2023-05-24 2023-05-08
Taxe finale - générale 2023-09-18
TM (brevet, 5e anniv.) - générale 2024-05-24 2024-05-16
Titulaires au dossier

Les titulaires actuels et antérieures au dossier sont affichés en ordre alphabétique.

Titulaires actuels au dossier
THE TORONTO-DOMINION BANK
Titulaires antérieures au dossier
LEVI SUTTER
MIGUEL NAVARRO
MOHAMED ABBAS
SADIA ZAIDI
Les propriétaires antérieurs qui ne figurent pas dans la liste des « Propriétaires au dossier » apparaîtront dans d'autres documents au dossier.
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Description du
Document 
Date
(aaaa-mm-jj) 
Nombre de pages   Taille de l'image (Ko) 
Dessin représentatif 2023-10-15 1 10
Description 2019-05-23 28 1 493
Abrégé 2019-05-23 1 22
Revendications 2019-05-23 3 129
Dessins 2019-05-23 9 89
Dessin représentatif 2020-10-27 1 6
Revendications 2022-05-01 11 450
Paiement de taxe périodique 2024-05-15 1 25
Certificat de dépôt 2019-06-10 1 205
Courtoisie - Réception de la requête d'examen 2022-06-05 1 433
Avis du commissaire - Demande jugée acceptable 2023-05-18 1 579
Taxe finale 2023-09-17 3 94
Certificat électronique d'octroi 2023-10-30 1 2 527
Paiement de taxe périodique 2021-05-19 1 26
Requête d'examen / Modification / réponse à un rapport 2022-05-01 17 714
Paiement de taxe périodique 2023-05-07 1 26