Patents by Inventor Miguel A. Navarro

Miguel A. Navarro 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).

  • Patent number: 11938764
    Abstract: An air deflector that is at least partially disposable within a tubeless tire of a bicycle wheel includes a body. The body includes at least one wall defining an air input end and an air output end of the body. The body is attachable to a valve of the tubeless tire at the air input end, such that when air is introduced into the body via the valve, at least some of the air is deflectable by one or more walls of the at least one wall out of the body at the air output end.
    Type: Grant
    Filed: September 28, 2020
    Date of Patent: March 26, 2024
    Assignee: SRAM, LLC
    Inventors: Michael Hall, David Morse, Louis Brown, Miguel Navarro Baeza
  • Publication number: 20240086786
    Abstract: A computer-implemented method for providing location-based appointment operations is disclosed. The method includes receiving input indicating an instruction to perform an action related to appointments. Responsive to the input indicating the instruction to perform the action related to appointments, it may be determined that a computing device is proximate to a physical location where locations are schedulable. Then, responsive to determining that the computing device is proximate to the physical location, information related to scheduling appointments at the physical location is received via a network. The indication based on the received information is presented at the computing device. Input requesting an action in relation to an appointment at the physical location may be received at the computing device. An indication to initiate the requested action may be sent via the network. Related computing devices and computer-readable media are also disclosed.
    Type: Application
    Filed: November 22, 2023
    Publication date: March 14, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Miguel NAVARRO, Levi SUTTER, Aparicio GIDDINS, JR.
  • Publication number: 20240056319
    Abstract: A computer system comprises a communications module; a processor coupled to the communications module; and a memory coupled to the processor, the memory storing processor-executable instructions which, when executed, configure the processor to receive, via the communications module, a signal that includes an ownership key associated with a digital asset minted on a payment card network; store the ownership key associated with the digital asset in a digital wallet; send, via the communications module and to the payment card network, a signal that includes a request to perform an action on the digital asset using the ownership key; receive, via the communications module and from the payment card network, a signal that indicates permission for the action to be performed on the digital asset; and perform the action.
    Type: Application
    Filed: August 15, 2022
    Publication date: February 15, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Miguel NAVARRO, Levi SUTTER, Joseph S. SANSOTTA, Mohamed ABBAS
  • Patent number: 11880822
    Abstract: A computer-implemented method allows initiating activation in augmented reality of an un-activated physical token. The method includes displaying an augmented reality version of an environment including the physical token. Displaying the augmented reality version of the environment includes capturing an image of a portion of the environment including the physical token; presenting a display of augmented reality corresponding to the portion of the environment by compositing the image of the portion of the environment with a graphical, interactive user interface control, the user interface control positioned in a defined position in augmented reality relative to the physical token. The method further includes, responsive to receipt of input corresponding to an interaction with the user interface control, initiating activation of the physical token. Related computer systems and computer-readable media are also disclosed.
    Type: Grant
    Filed: December 29, 2020
    Date of Patent: January 23, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Levi Sutter, Miguel Navarro
  • Patent number: 11868924
    Abstract: A computer-implemented method for providing location-based appointment operations is disclosed. The method includes receiving input indicating an instruction to perform an action related to appointments. Responsive to the input indicating the instruction to perform the action related to appointments, it may be determined that a computing device is proximate to a physical location where locations are schedulable. Then, responsive to determining that the computing device is proximate to the physical location, information related to scheduling appointments at the physical location is received via a network. The indication based on the received information is presented at the computing device. Input requesting an action in relation to an appointment at the physical location may be received at the computing device. An indication to initiate the requested action may be sent via the network. Related computing devices and computer-readable media are also disclosed.
    Type: Grant
    Filed: January 25, 2019
    Date of Patent: January 9, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Miguel Navarro, Levi Sutter, Aparicio Giddins, Jr.
  • Publication number: 20230419302
    Abstract: An example operation may include one or more of storing transaction content from transactions executed via one or more fiat payment accounts and one or more crypto accounts of a digital wallet of a user, and determining, via execution of a machine learning model on the stored transaction content, a recurring expense value of the user and a next point in time in which the recurring expense value, dividing the recurring expense value into a plurality of sub-values; generating a plurality of transactions which transfer the plurality of sub-values from a fiat payment account to a crypto account from among the one or more crypto accounts and store the plurality of transactions within a queue, initiating a plurality of time-to-live jobs for the plurality of transactions, respectively, wherein the plurality of time-to-live jobs comprise a plurality of different respective expiration times that are staggered such that the plurality of time-to live jobs expire in incremental intervals from a current time to the next p
    Type: Application
    Filed: June 23, 2022
    Publication date: December 28, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: Miguel Navarro, Levi Sutter
  • Publication number: 20230419309
    Abstract: An example operation may include one or more of storing transaction content from transactions executed via one or more fiat payment accounts and one or more crypto accounts of a digital wallet of a user, identifying historical usage characteristics of the one or more fiat payment accounts and the one or more crypto accounts from the stored transaction content, creating a security token for the user and embedding the historical usage characteristics within a storage area of the security token, executing a blockchain consensus process among a plurality of blockchain peers of a blockchain network to verify the security token, and committing the security token to a blockchain ledger of the blockchain network in response to verification of the security token.
    Type: Application
    Filed: June 23, 2022
    Publication date: December 28, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: Miguel Navarro, Levi Sutter
  • Publication number: 20230401553
    Abstract: An example operation may include one or more of receiving a payment amount and an identifier of a recipient account from a digital wallet, predicting, via a machine learning model, a future value of a cryptocurrency based on historical values of the cryptocurrency over time, determining to perform a BNPL transaction for the payment amount based on the predicted future value of a cryptocurrency stored within the digital wallet application of the user, transmitting, via a crypto-bridge API, fiat currency from a fiat account of the user to a crypto exchange and receiving an amount of the cryptocurrency based on the payment amount and storing the amount of cryptocurrency in the blockchain wallet, generating an entry comprising a future date, the identifier of the recipient account, and a return value to retrieve from the crypto exchange at the future date, and storing the entry in the queue.
    Type: Application
    Filed: June 13, 2022
    Publication date: December 14, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: Miguel Navarro, Levi Sutter
  • Publication number: 20230401572
    Abstract: An example operation may include one or more of receiving a payment amount and an identifier of a recipient account from a digital wallet application of a user, the digital wallet application containing a payment card account and a cryptocurrency account, determining to perform a buy-now pay-later (BNPL) transaction for the payment amount based on current holdings in the payment card account and current holdings in the cryptocurrency account; transmitting, via a crypto-bridge application programming interface (API), fiat currency from the payment card account to a crypto exchange, receiving, via the crypt-bridge API, an amount of the cryptocurrency based on the payment amount and store the amount of cryptocurrency in the digital wallet application; generating an entry comprising a future date, the identifier of the recipient account, and a return value to retrieve from the crypto exchange at the future date, and storing the entry in the queue.
    Type: Application
    Filed: June 13, 2022
    Publication date: December 14, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: Miguel Navarro, Levi Sutter
  • Publication number: 20230368292
    Abstract: An example operation may include one or more of receiving, via a host platform of a digital wallet, a payment authorization request message for a payment transaction of the digital wallet from a payment gateway of an electronic payment network, verifying that the digital wallet has sufficient funds to satisfy an amount of the payment transaction and transmitting a payment authorization response to the payment gateway, pausing clearing and settling of the authorized payment transaction, generating an entry that represents the authorized payment transaction and storing the entry in a temporary storage structure of the host platform, executing a cryptocurrency transaction which exchanges cryptocurrency for an amount of fiat currency that satisfies the amount of the payment transaction, and canceling the authorized payment transaction and settling the payment transaction based on the amount of fiat currency received from the cryptocurrency transaction.
    Type: Application
    Filed: May 13, 2022
    Publication date: November 16, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: Miguel Navarro, Levi Sutter
  • Publication number: 20230368293
    Abstract: An example operation may include one or more of receiving, via a host platform, a payment authorization request message for a payment transaction of a digital wallet hosted by the host platform from a payment gateway of an electronic payment network, verifying that a payment account in the digital wallet has sufficient funds to satisfy an amount of the payment transaction and transmitting a payment authorization response to the payment gateway, pausing clearing and settling of the authorized payment transaction, executing a blockchain transaction via a blockchain ledger of a cryptocurrency network to exchange fiat currency from the payment account for cryptocurrency based on the amount of the payment transaction, prior to a due date of the authorized payment transaction, executing a second blockchain transaction to exchange the cryptocurrency for a new amount of fiat currency, and settling the authorized payment transaction based on the new amount of fiat currency received from the second blockchain transacti
    Type: Application
    Filed: May 13, 2022
    Publication date: November 16, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: Miguel Navarro, Levi Sutter
  • Publication number: 20230267475
    Abstract: A predictive context aware system, method and device tracks customer attributes comprising: an online customer behaviour of a particular customer of an entity when interacting with a computer application including a particular flow of navigational events when browsing the application indicative of the particular customer seeking assistance; provides the tracked customer attributes to a predictive machine learning model to determine a prediction of a primary intent comprising: at least one predicted problem encountered by the customer associated with the tracked customer attributes and a context of actions derived from the customer attributes, the model trained based on prior historical behaviour of other customers in the entity comprising browser navigational flows for others indicative of a known associated problem; dynamically determines a solution to the predicted problem based on accessing a database linking similar problems; and presents the solution and associated context of the solution to the computer
    Type: Application
    Filed: February 24, 2022
    Publication date: August 24, 2023
    Inventors: MIGUEL NAVARRO, ROMAN MELNYK
  • Publication number: 20230230156
    Abstract: Computing devices, platforms, methods, and storage media for providing data access are disclosed. Exemplary implementations may: obtain a device authorization token granting a computing device authenticated access to real-time equity quotes when the computing device is in an unauthenticated state; transmit, to a quote access server, an authorized quote access request specifying one or more equities for which one or more real-time equity quotes are requested; receive, from the quote access server, the one or more real-time equity quotes associated with the one or more equities; and provide, in the unauthenticated state, the one or more real-time equity quotes associated with the one or more equities. Example implementations make it simpler and easier to view real-time quotes, for example with a single swipe/gesture and without opening a financial institution app or logging in to a website hosted by a financial institution.
    Type: Application
    Filed: January 14, 2022
    Publication date: July 20, 2023
    Inventors: Steve LANGHAM, Miguel NAVARRO, Elkin NG FUNG
  • Publication number: 20230185441
    Abstract: A computer-implemented method is disclosed. The method includes: displaying, on a touch-sensitive display of an electronic device, an indicated value and an annulus having a base segment and a highlighted segment, wherein points along a circumference of the annulus are associated with values between a base amount and a maximum amount and wherein a size of the highlighted segment is based on the indicated value; receiving, via the touch-sensitive display, a first value-adjusting input comprising a tap operation; and in response to receiving the first value-adjusting input, adjusting at least one of the base amount or the maximum amount for causing a range of the annulus to be changed, wherein a proportion of the annulus represented by the highlighted segment corresponds to a proportion of the range represented by the indicated value.
    Type: Application
    Filed: February 2, 2023
    Publication date: June 15, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: Miguel NAVARRO, Mohamed ABBAS, Robert SETLIGHT, Nina Angela KADELSKI, Catherine HALLORAN, Joseppina STANKIEWICZ, Lina Nancy SICILIANO, Richard Bruce JOHNSON, Levi SUTTER, Mathew HAUSE
  • Patent number: 11671536
    Abstract: A computer server system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a first device, a signal including a request to schedule access to a shared resource within a time window; identify, based on a load projection for the shared resource, at least one time period within the time window for the access to the shared resource; send, via the communications module and to the first device, a signal including the at least one time period and requesting confirmation that a particular one of the at least one time period is acceptable; receive, via the communications module and from the first device, a signal including confirmation that the particular one of the at least one time period is acceptable; determine that a current time has reached the particular one of the at least one ti
    Type: Grant
    Filed: August 12, 2022
    Date of Patent: June 6, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Miguel Navarro, Levi Sutter, Joseph S. Sansotta, Mohamed Abbas, Lina Nancy Siciliano, Joseppina Stankiewicz, Catherine Halloran, Robert Setlight, Matthew J. Maietta
  • Patent number: 11660909
    Abstract: A rim assembly for a bicycle wheel includes a rim, a first protruding tire retaining feature attached to a first surface of the rim, and a second protruding tire retaining feature attached to a second surface of the rim. The first surface is a surface of a first tire retaining wall of a radially outer tire engaging portion of the rim, and the second surface is a surface of a second tire retaining wall of the radially outer tire engaging portion. The second surface faces the first surface. The first protruding tire retaining feature and the second protruding tire retaining feature are made of a first material, and the first tire retaining wall and the second tire retaining wall are made of a second material. The second material is different than the first material.
    Type: Grant
    Filed: December 11, 2019
    Date of Patent: May 30, 2023
    Assignee: SRAM, LLC
    Inventors: Patrick Brady, Michael Hall, David Morse, Miguel Navarro Baeza
  • Patent number: 11632674
    Abstract: A method for establishing a trusted session between a first computing device and a computer server includes obtaining identifying information for the first computing device and a second computing device. The identifying information includes identifying information corresponding to the networks to which each of the computing devices are directly connected. Based on the identifying information it may be determined that there is sufficient correspondence between the first and second computing devices. If so, an indication is sent to the second computing device requesting confirmation that the first computing device should be authenticated to the account. An indication confirming this may then be received and, responsive thereto, the first computing device is authenticated to the account. Related computer systems and computer-readable media are also disclosed.
    Type: Grant
    Filed: September 10, 2021
    Date of Patent: April 18, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Miguel Navarro, Levi Sutter, Lino Catana, Jonathan Goodman, Mohamed Abbas
  • Patent number: 11600064
    Abstract: 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.
    Type: Grant
    Filed: December 9, 2021
    Date of Patent: March 7, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Miguel Navarro, Levi Sutter, Sadia Zaidi, Mohamed Abbas
  • Patent number: 11599258
    Abstract: Methods and devices are provided for receiving, displaying and adjusting user input through a wearable device. An indicated value and an annulus are displayed on a touch-sensitive display of the wearable device. The annulus has a base segment and a highlighted segment. The highlighted segment begins at an origin of the annulus and extends to a first position of the annulus. The size of the highlighted segment corresponds to the indicated value. A first value-adjusting input is received at the touch-sensitive display. The first value-adjusting input includes one or both of a drag operation and a tap operation. The indicated value and the size of the highlighted segment are adjusted in accordance with the first value-adjusting input, such that the proportion of the annulus represented by the highlighted segment corresponds to a proportion of a difference between a base amount and a maximum amount represented by the indicated value.
    Type: Grant
    Filed: February 18, 2021
    Date of Patent: March 7, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Miguel Navarro, Mohamed Abbas, Robert Setlight, Nina Angela Kadelski, Catherine Halloran, Joseppina Stankiewicz, Lina Nancy Siciliano, Richard Bruce Johnson, Levi Sutter, Mathew Hause
  • Patent number: 11594219
    Abstract: A computer server system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a server associated with a first device, a request to perform an operation; determine that the first device cannot perform the operation; send, via the communications module and to the server associated with the first device, a signal causing the first device to output a message indicating that the first device cannot perform the operation and requesting authentication from a second device; receive, via the communications module and from the second device, a signal including authentication information; and send, via the communications module and to the second device, a signal including a selectable option to perform the operation.
    Type: Grant
    Filed: February 5, 2021
    Date of Patent: February 28, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Miguel Navarro, Levi Scott Sutter