Patents by Inventor Hisham I. SALAMA
Hisham I. SALAMA has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11954690Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.Type: GrantFiled: January 18, 2019Date of Patent: April 9, 2024Assignee: The Toronto-Dominion BankInventors: Hisham I. Salama, Lauren Van Heerden, Orin Del Vecchio, Paul Mon-Wah Chan, Jonathan K. Barnett, Jakub Danielak
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Patent number: 11301864Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.Type: GrantFiled: November 13, 2019Date of Patent: April 12, 2022Assignee: The Toronto-Dominion BankInventors: Hisham I. Salama, Lauren Van Heerden
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Patent number: 11270293Abstract: The disclosed embodiments include computerized methods and systems that enable users to delegate a functionality of a mobile application through pre-loaded tokens. In one aspect, the disclosed embodiments may temporarily delegate or “loan” financial products loaded into a mobile wallet of a user to other eligible users. For example, the disclosed embodiments may receive, from a first user, a request to delegate a financial product to a second user to complete purchase transactions. In response to the received request, the disclosed embodiments may identify one or more temporal or financial conditions on the delegation, and may generate a corresponding mobile wallet token for transmission to a second user device. The second user device may, for example, process the mobile wallet token and establish the delegated financial provide in the second user's mobile wallet in accordance with the at least one of the temporal or financial conditions.Type: GrantFiled: November 13, 2019Date of Patent: March 8, 2022Assignee: The Toronto-Dominion BankInventors: Hisham I. Salama, Edward Lounsbury, Paul Mon-Wah Chan
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Patent number: 11138591Abstract: The disclosed embodiments include computerized methods and systems that provide mobile application programs to devices of users and that administer these mobile application programs using tokens “pre-loaded” with data. In one aspect, the disclosed embodiments may generate a mobile payment product, such as a mobile wallet, that is “pre-loaded” with eligible financial products. For example, the disclosed embodiments may receive a request from a user device to obtain an application program that administers the mobile wallet, and in response to the received request, may obtain information identifying one or more financial products eligible for inclusion in the mobile wallet. The disclosed embodiments may generate a mobile wallet token based on the eligible financial product information and store the mobile wallet token in cloud-based storage. The user device may, upon authenticating the user, obtain the mobile wallet token and provision the mobile wallet with the eligible financial products.Type: GrantFiled: November 13, 2019Date of Patent: October 5, 2021Assignee: The Toronto-Dominion BankInventors: Hisham I. Salama, Edward Lounsbury, Paul Mon-Wah Chan
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Patent number: 10896248Abstract: The disclosed embodiments include computerized methods and systems that facilitate two-factor authentication of a user based on a user-defined image and information identifying portions of the image sequentially selected by the user. In one aspect, a communications device presents a first digital image of a first user on a touchscreen display. The communications device may receive, from the first user, information identifying portions of the first digital image selected in accordance with a candidate authentication sequence established by the first user. The selected first image portions may, for example, be associated with corresponding facial features of the first user. The communications device may determine whether the candidate authentication sequence matches a reference authentication sequence associated with the first digital image, and may authenticate an identity of the first user, when the first selection sequence is determined to match the second selection sequence.Type: GrantFiled: January 23, 2018Date of Patent: January 19, 2021Assignee: The Toronto-Dominion BankInventors: Hisham I. Salama, Paul Mon-Wah Chan, Dino D'Agostino, Orin Del Vecchio
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Publication number: 20200082386Abstract: The disclosed embodiments include computerized methods and systems that enable users to delegate a functionality of a mobile application through pre-loaded tokens. In one aspect, the disclosed embodiments may temporarily delegate or “loan” financial products loaded into a mobile wallet of a user to other eligible users. For example, the disclosed embodiments may receive, from a first user, a request to delegate a financial product to a second user to complete purchase transactions. In response to the received request, the disclosed embodiments may identify one or more temporal or financial conditions on the delegation, and may generate a corresponding mobile wallet token for transmission to a second user device. The second user device may, for example, process the mobile wallet token and establish the delegated financial provide in the second user's mobile wallet in accordance with the at least one of the temporal or financial conditions.Type: ApplicationFiled: November 13, 2019Publication date: March 12, 2020Inventors: Hisham I. SALAMA, Edward LOUNSBURY, Paul Mon-Wah CHAN
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Publication number: 20200082403Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.Type: ApplicationFiled: November 13, 2019Publication date: March 12, 2020Inventors: Hisham I. SALAMA, Lauren VAN HEERDEN
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Publication number: 20200082387Abstract: The disclosed embodiments include computerized methods and systems that provide mobile application programs to devices of users and that administer these mobile application programs using tokens “pre-loaded” with data. In one aspect, the disclosed embodiments may generate a mobile payment product, such as a mobile wallet, that is “pre-loaded” with eligible financial products. For example, the disclosed embodiments may receive a request from a user device to obtain an application program that administers the mobile wallet, and in response to the received request, may obtain information identifying one or more financial products eligible for inclusion in the mobile wallet. The disclosed embodiments may generate a mobile wallet token based on the eligible financial product information and store the mobile wallet token in cloud-based storage. The user device may, upon authenticating the user, obtain the mobile wallet token and provision the mobile wallet with the eligible financial products.Type: ApplicationFiled: November 13, 2019Publication date: March 12, 2020Inventors: HISHAM I. SALAMA, Edward LOUNSBURY, Paul Mon-Wah CHAN
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Patent number: 10515370Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.Type: GrantFiled: September 16, 2014Date of Patent: December 24, 2019Assignee: The Toronto-Dominion BankInventors: Hisham I. Salama, Lauren Van Heerden
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Patent number: 10510072Abstract: The disclosed embodiments include computerized methods and systems that enable users to delegate a functionality of a mobile application through pre-loaded tokens. In one aspect, the disclosed embodiments may temporarily delegate or “loan” financial products loaded into a mobile wallet of a user to other eligible users. For example, the disclosed embodiments may receive, from a first user, a request to delegate a financial product to a second user to complete purchase transactions. In response to the received request, the disclosed embodiments may identify one or more temporal or financial conditions on the delegation, and may generate a corresponding mobile wallet token for transmission to a second user device. The second user device may, for example, process the mobile wallet token and establish the delegated financial provide in the second user's mobile wallet in accordance with the at least one of the temporal or financial conditions.Type: GrantFiled: September 29, 2015Date of Patent: December 17, 2019Assignee: The Toronto-Dominion BankInventors: Hisham I. Salama, Edward Lounsbury, Paul Mon-Wah Chan
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Patent number: 10510071Abstract: The disclosed embodiments include computerized methods and systems that provide mobile application programs to devices of users and that administer these mobile application programs using tokens “pre-loaded” with data. In one aspect, the disclosed embodiments may generate a mobile payment product, such as a mobile wallet, that is “pre-loaded” with eligible financial products. For example, the disclosed embodiments may receive a request from a user device to obtain an application program that administers the mobile wallet, and in response to the received request, may obtain information identifying one or more financial products eligible for inclusion in the mobile wallet. The disclosed embodiments may generate a mobile wallet token based on the eligible financial product information and store the mobile wallet token in cloud-based storage. The user device may, upon authenticating the user, obtain the mobile wallet token and provision the mobile wallet with the eligible financial products.Type: GrantFiled: September 29, 2015Date of Patent: December 17, 2019Assignee: The Toronto-Dominion BankInventors: Hisham I. Salama, Edward Lounsbury, Paul Mon-Wah Chan
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Publication number: 20190156338Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.Type: ApplicationFiled: January 18, 2019Publication date: May 23, 2019Inventors: Hisham I. Salama, Lauren Van Heerden, Orin Del Vecchio, Paul Mon-Wah Chan, Jonathan K. Barnett, Jakub Danielak
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Patent number: 10248953Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.Type: GrantFiled: October 9, 2014Date of Patent: April 2, 2019Assignee: The Toronto-Dominion BankInventors: Hisham I. Salama, Lauren Van Heerden, Orin Del Vecchio, Paul Mon-Wah Chan, Jonathan K. Barnett, Jakub Danielak
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Publication number: 20180157815Abstract: The disclosed embodiments include computerized methods and systems that facilitate two-factor authentication of a user based on a user-defined image and information identifying portions of the image sequentially selected by the user. In one aspect, a communications device presents a first digital image of a first user on a touchscreen display. The communications device may receive, from the first user, information identifying portions of the first digital image selected in accordance with a candidate authentication sequence established by the first user. The selected first image portions may, for example, be associated with corresponding facial features of the first user. The communications device may determine whether the candidate authentication sequence matches a reference authentication sequence associated with the first digital image, and may authenticate an identity of the first user, when the first selection sequence is determined to match the second selection sequence.Type: ApplicationFiled: January 23, 2018Publication date: June 7, 2018Inventors: Hisham I. Salama, Paul Mon-Wah Chan, Dino D'Agostino, Orin Del Vecchio
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Patent number: 9904775Abstract: The disclosed embodiments include computerized methods and systems that facilitate two-factor authentication of a user based on a user-defined image and information identifying portions of the image sequentially selected by the user. In one aspect, a communications device presents a first digital image of a first user on a touchscreen display. The communications device may receive, from the first user, information identifying portions of the first digital image selected in accordance with a candidate authentication sequence established by the first user. The selected first image portions may, for example, be associated with corresponding facial features of the first user. The communications device may determine whether the candidate authentication sequence matches a reference authentication sequence associated with the first digital image, and may authenticate an identity of the first user, when the first selection sequence is determined to match the second selection sequence.Type: GrantFiled: October 30, 2015Date of Patent: February 27, 2018Assignee: The Toronto-Dominion BankInventors: Hisham I. Salama, Paul Mon-Wah Chan, Dino D'Agostino, Orin Del Vecchio
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Publication number: 20160132670Abstract: The disclosed embodiments include computerized methods and systems that facilitate two-factor authentication of a user based on a user-defined image and information identifying portions of the image sequentially selected by the user. In one aspect, a communications device presents a first digital image of a first user on a touchscreen display. The communications device may receive, from the first user, information identifying portions of the first digital image selected in accordance with a candidate authentication sequence established by the first user. The selected first image portions may, for example, be associated with corresponding facial features of the first user. The communications device may determine whether the candidate authentication sequence matches a reference authentication sequence associated with the first digital image, and may authenticate an identity of the first user, when the first selection sequence is determined to match the second selection sequence.Type: ApplicationFiled: October 30, 2015Publication date: May 12, 2016Inventors: Hisham I. SALAMA, Paul Mon-Wah CHAN, Dino D'AGOSTINO, Orin DEL VECCHIO
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Publication number: 20160092867Abstract: The disclosed embodiments include computerized methods and systems that administer mobile application programs using tokens “pre-loaded” with data. For example, the disclosed embodiments may adaptively identify and pre-load mobile wallets with loyalty products of potential interest to customers. In one aspect, the disclosed embodiments may identify one or more loyalty products that may be of potential interest to a user, and further, that may be missing from the user's mobile wallet. The disclosed embodiments may determine that the user fails to hold a corresponding one of the missing loyalty products, and may transmit user information to an issuer system as a request to acquire the corresponding missing loyalty product from an issuer. Upon receipt of information confirming the acquisition of the corresponding missing loyalty product, the disclosed embodiments may generate a token based on the newly-acquired loyalty product and push the token to a user device.Type: ApplicationFiled: September 29, 2015Publication date: March 31, 2016Inventors: Hisham I. SALAMA, Edward LOUNSBURY, Paul Mon-Wah CHAN
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Publication number: 20160092869Abstract: The disclosed embodiments include computerized methods and systems that enable users to delegate a functionality of a mobile application through pre-loaded tokens. In one aspect, the disclosed embodiments may temporarily delegate or “loan” financial products loaded into a mobile wallet of a user to other eligible users. For example, the disclosed embodiments may receive, from a first user, a request to delegate a financial product to a second user to complete purchase transactions. In response to the received request, the disclosed embodiments may identify one or more temporal or financial conditions on the delegation, and may generate a corresponding mobile wallet token for transmission to a second user device. The second user device may, for example, process the mobile wallet token and establish the delegated financial provide in the second user's mobile wallet in accordance with the at least one of the temporal or financial conditions.Type: ApplicationFiled: September 29, 2015Publication date: March 31, 2016Inventors: Hisham I. SALAMA, Edward Lounsbury, Paul Mon-Wah Chan
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Publication number: 20160092870Abstract: The disclosed embodiments include computerized methods and systems that provide mobile application programs to devices of users and that administer these mobile application programs using tokens “pre-loaded” with data. In one aspect, the disclosed embodiments may generate a mobile payment product, such as a mobile wallet, that is “pre-loaded” with eligible financial products. For example, the disclosed embodiments may receive a request from a user device to obtain an application program that administers the mobile wallet, and in response to the received request, may obtain information identifying one or more financial products eligible for inclusion in the mobile wallet. The disclosed embodiments may generate a mobile wallet token based on the eligible financial product information and store the mobile wallet token in cloud-based storage. The user device may, upon authenticating the user, obtain the mobile wallet token and provision the mobile wallet with the eligible financial products.Type: ApplicationFiled: September 29, 2015Publication date: March 31, 2016Inventors: Hisham I. SALAMA, Edward LOUNSBURY, Paul Mon-Wah CHAN
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Publication number: 20160092868Abstract: The disclosed embodiments include computerized methods and systems that provide mobile application programs to devices of users and that administer these mobile application programs using tokens “pre-loaded” with data. In one aspect, the disclosed embodiments may generate a mobile payment product, such as a mobile wallet, that is “pre-loaded” with eligible financial products. For example, the disclosed embodiments may receive a request from a user device to obtain an application program that administers the mobile wallet, and in response to the received request, may obtain information identifying one or more financial products eligible for inclusion in the mobile wallet. The disclosed embodiments may generate a mobile wallet token based on the eligible financial product information and store the mobile wallet token in cloud-based storage. The user device may, upon authenticating the user, obtain the mobile wallet token and provision the mobile wallet with the eligible financial products.Type: ApplicationFiled: September 29, 2015Publication date: March 31, 2016Inventors: Hisham I. SALAMA, Edward LOUNSBURY, Paul Mon-Wah CHAN