Patents by Inventor Mike Stephenson
Mike Stephenson 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: 11663603Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.Type: GrantFiled: September 4, 2019Date of Patent: May 30, 2023Assignee: The Toronto-Dominion BankInventors: Salim Jivraj, Lauren Van Heerden, Michael D. Cummins, Prabaharan Sivashanmugan, Gerald Jeschke, Andrew Chak, Mike Stephenson, Paul Mon-Wah Chan, John Jong Suk Lee, Orin Del Vecchio
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Publication number: 20190392452Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.Type: ApplicationFiled: September 4, 2019Publication date: December 26, 2019Inventors: SALIM JIVRAJ, Lauren Van Heerden, Michael D. Cummins, Prabaharan Sivashanmugan, Gerald Jeschke, Andrew Chak, Mike Stephenson, Paul Mon-Wah Chan, John Jong Suk Lee, Orin Del Vecchio
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Patent number: 10438206Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.Type: GrantFiled: May 27, 2015Date of Patent: October 8, 2019Assignee: The Toronto-Dominion BankInventors: Salim Jivraj, Lauren Van Heerden, Michael D. Cummins, Prabaharan Sivashanmugam, Gerald Jeschke, Andrew Chak, Mike Stephenson, Paul Mon-Wah Chan, John Jong Suk Lee, Orin Del Vecchio
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Patent number: 10296972Abstract: The disclosed embodiments include methods and systems for providing account status notifications. The disclosed embodiments include, for example, a device for providing account status notifications including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receiving account status notification information for a first account associated with a user. The account status notification information may be generated based on one or more notification rules and account information associated with the first account. The operations may also include generating, based on the received account status notification information, a first account status indicator that provides a status of a first account parameter associated with the first account that is presented via a device component without a user request to receive the status of the first account parameter.Type: GrantFiled: December 29, 2014Date of Patent: May 21, 2019Assignee: The Toronto-Dominion BankInventors: Lauren Van Heerden, Lawrence Wong, Tim Thompson, Mike Stephenson, Nigel Lall, Orin Del Vecchio, Gunalan Nadarajah
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Publication number: 20150348042Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.Type: ApplicationFiled: May 27, 2015Publication date: December 3, 2015Inventors: Salim JIVRAJ, Lauren VAN HEERDEN, Michael D. CUMMINS, Prabaharan SIVASHANMUGAM, Gerald JESCHKE, Andrew CHAK, Mike STEPHENSON, Paul Mon-Wah CHAN, John Jong Suk LEE, Orin DEL VECCHIO
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Publication number: 20150193866Abstract: The disclosed embodiments include methods and systems for providing account status notifications. The disclosed embodiments include, for example, a device for providing account status notifications including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receiving account status notification information for a first account associated with a user. The account status notification information may be generated based on one or more notification rules and account information associated with the first account. The operations may also include generating, based on the received account status notification information, a first account status indicator that provides a status of a first account parameter associated with the first account that is presented via a device component without a user request to receive the status of the first account parameter.Type: ApplicationFiled: December 29, 2014Publication date: July 9, 2015Applicant: The Toronto-Dominion BankInventors: Lauren Van Heerden, Lawrence Wong, Tim Thompson, Mike Stephenson, Nigel Lall, Orin Del Vecchio, Gunalan Nadarajah
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Patent number: 6111573Abstract: An apparatus and method for operating a graphic user interface in a windowing operating system. A value representing a mapping of logical inches to real measurement units is determined from information stored in the operating system. A physical size in real measurement units of a display device is determined. A user viewing the display device is asked to identify a displayed graphic image having a preselected dimension in real measurement units. A plurality of graphic objects are displayed, where each of the graphic objects have a different size. The user viewing the plurality of graphic object is asked to select one of the graphic objects. The size of the selected graphic object is saved as a first user-defined size.Type: GrantFiled: February 13, 1998Date of Patent: August 29, 2000Assignee: Velocity.com, Inc.Inventors: David W. McComb, James L. Long, Mike Stephenson