Patents by Inventor Morgan Klein-MacNeil
Morgan Klein-MacNeil 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: 11941652Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing linking partner loyalty rewards accounts using authorized user and primary user information associated with an account. One example method includes authenticating a user at a partner system, and receiving from the user information associated with an account. The information associated with user's account is communicated to a financial institution system via an API where the user can then be verified as an authorized user on an account. The financial institution system then provides the partner system with information associated with the primary user of the account, and the partner system can link a loyalty account of the primary user with the loyalty account of the authenticated user.Type: GrantFiled: August 11, 2022Date of Patent: March 26, 2024Inventors: Adrian Bloy, Morgan Klein-MacNeil, Syrous Delavari-Maraghi, Trevor Ross Gimbel, Caroline Elizabeth Wilkinson, Sonali Suresh Nagarkar
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Publication number: 20230342720Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically generating acquisition IDs and using them to track and record how products are identified, offered, and sold, as well as how customers respond to particular variations of product offers. The acquisition ID can be associated with any product sale, transaction completion, or account creation initiated using or otherwise identifying or associated with the acquisition ID, where the connection to the acquisition ID can be maintained and retained with ongoing records associated with the interaction and created account, transaction, and/or product purchase. Using the stored information and the acquisition IDs, an organization can precisely determine what products were sold using which marketing tactic, campaign, or channel through which the transaction occurred and/or was initiated, among others.Type: ApplicationFiled: June 28, 2023Publication date: October 26, 2023Inventors: Adrian Bloy, Morgan Klein-MacNeil
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Patent number: 11727356Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically generating acquisition IDs and using them to track and record how products are identified, offered, and sold, as well as how customers respond to particular variations of product offers. The acquisition ID can be associated with any product sale, transaction completion, or account creation initiated using or otherwise identifying or associated with the acquisition ID, where the connection to the acquisition ID can be maintained and retained with ongoing records associated with the interaction and created account, transaction, and/or product purchase. Using the stored information and the acquisition IDs, an organization can precisely determine what products were sold using which marketing tactic, campaign, or channel through which the transaction occurred and/or was initiated, among others.Type: GrantFiled: September 23, 2021Date of Patent: August 15, 2023Inventors: Adrian Bloy, Morgan Klein-MacNeil
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Patent number: 11636453Abstract: The present disclosure involves systems, software, and computer-implemented methods for integrating immediate credit application processes and decisions via a financial institution into ongoing transactions performed at a merchant system. One example method includes receiving a request for new credit account associated with an ongoing transaction at a second system, the request associated with a transaction payload including a session ID and a set of transaction information. A digital credit application is presented, and at least some of the set of transaction information is presented concurrently with the digital credit application. In response to approving the credit application, a new account is generated, a user is redirected back to the merchant system using the session ID, and the credit account information is securely transmitted back to the merchant. The state of the ongoing transaction is restored, and the new payment information is used to complete the transaction.Type: GrantFiled: February 11, 2022Date of Patent: April 25, 2023Inventors: Adrian Bloy, Morgan Klein-MacNeil, Alan Tam, Trevor Ross Gimbel, Julianne Helen Fong, Sonali Suresh Nagarkar
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Patent number: 11521228Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically generating acquisition IDs and using them to track and record how products are identified, offered, and sold, as well as how customers respond to particular variations of product offers. The acquisition ID can be associated with any product sale, transaction completion, or account creation initiated using or otherwise identifying or associated with the acquisition ID, where the connection to the acquisition ID can be maintained and retained with ongoing records associated with the interaction and created account, transaction, and/or product purchase. Using the stored information and the acquisition IDs, an organization can precisely determine what products were sold using which marketing tactic, campaign, or channel through which the transaction occurred and/or was initiated, among others.Type: GrantFiled: January 21, 2020Date of Patent: December 6, 2022Inventors: Adrian Bloy, Morgan Klein-MacNeil
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Publication number: 20220383355Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing linking partner loyalty rewards accounts using authorized user and primary user information associated with an account. One example method includes authenticating a user at a partner system, and receiving from the user information associated with an account. The information associated with user's account is communicated to a financial institution system via an API where the user can then be verified as an authorized user on an account. The financial institution system then provides the partner system with information associated with the primary user of the account, and the partner system can link a loyalty account of the primary user with the loyalty account of the authenticated user.Type: ApplicationFiled: August 11, 2022Publication date: December 1, 2022Inventors: Adrian Bloy, Morgan Klein-MacNeil, Syrous Delavari-Maraghi, Trevor Ross Gimbel, Caroline Elizabeth Wilkinson, Sonali Suresh Nagarkar
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Patent number: 11449884Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing linking partner loyalty rewards accounts using authorized user and primary user information associated with an account. One example method includes authenticating a user at a partner system, and receiving from the user information associated with an account. The information associated with user's account is communicated to a financial institution system via an API where the user can then be verified as an authorized user on an account. The financial institution system then provides the partner system with information associated with the primary user of the account, and the partner system can link a loyalty account of the primary user with the loyalty account of the authenticated user.Type: GrantFiled: October 22, 2019Date of Patent: September 20, 2022Assignee: The Toronto-Dominion BankInventors: Adrian Bloy, Morgan Klein-MacNeil, Syrous Delavari-Maraghi, Trevor Ross Gimbel, Caroline Elizabeth Wilkinson, Sonali Suresh Nagarkar
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Patent number: 11367059Abstract: The present disclosure involves systems, software, and computer-implemented methods for integrating immediate credit application processes and decisions via a financial institution into ongoing transactions performed at a merchant system. One example method includes receiving a request for new credit account associated with an ongoing transaction at a second system, the request associated with a transaction payload including a session ID and a set of transaction information. A digital credit application is presented, and at least some of the set of transaction information is presented concurrently with the digital credit application. In response to approving the credit application, a new account is generated, a user is redirected back to the merchant system using the session ID, and the credit account information is securely transmitted back to the merchant. The state of the ongoing transaction is restored, and the new payment information is used to complete the transaction.Type: GrantFiled: October 31, 2019Date of Patent: June 21, 2022Assignee: The Toronto-Dominion BankInventors: Adrian Bloy, Morgan Klein-MacNeil, Alan Tam, Trevor Ross Gimbel, Julianne Helen Fong, Sonali Suresh Nagarkar
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Publication number: 20220164779Abstract: The present disclosure involves systems, software, and computer-implemented methods for integrating immediate credit application processes and decisions via a financial institution into ongoing transactions performed at a merchant system. One example method includes receiving a request for new credit account associated with an ongoing transaction at a second system, the request associated with a transaction payload including a session ID and a set of transaction information. A digital credit application is presented, and at least some of the set of transaction information is presented concurrently with the digital credit application. In response to approving the credit application, a new account is generated, a user is redirected back to the merchant system using the session ID, and the credit account information is securely transmitted back to the merchant. The state of the ongoing transaction is restored, and the new payment information is used to complete the transaction.Type: ApplicationFiled: February 11, 2022Publication date: May 26, 2022Inventors: Adrian Bloy, Morgan Klein-MacNeil, Alan Tam, Trevor Ross Gimbel, Julianne Helen Fong, Sonali Suresh Nagarkar
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Publication number: 20220012689Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically generating acquisition IDs and using them to track and record how products are identified, offered, and sold, as well as how customers respond to particular variations of product offers. The acquisition ID can be associated with any product sale, transaction completion, or account creation initiated using or otherwise identifying or associated with the acquisition ID, where the connection to the acquisition ID can be maintained and retained with ongoing records associated with the interaction and created account, transaction, and/or product purchase. Using the stored information and the acquisition IDs, an organization can precisely determine what products were sold using which marketing tactic, campaign, or channel through which the transaction occurred and/or was initiated, among others.Type: ApplicationFiled: September 23, 2021Publication date: January 13, 2022Inventors: Adrian Bloy, Morgan Klein-MacNeil
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Patent number: 11151513Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically generating acquisition IDs and using them to track and record how products are identified, offered, and sold, as well as how customers respond to particular variations of product offers. The acquisition ID can be associated with any product sale, transaction completion, or account creation initiated using or otherwise identifying or associated with the acquisition ID, where the connection to the acquisition ID can be maintained and retained with ongoing records associated with the interaction and created account, transaction, and/or product purchase. Using the stored information and the acquisition IDs, an organization can precisely determine what products were sold using which marketing tactic, campaign, or channel through which the transaction occurred and/or was initiated, among others.Type: GrantFiled: January 21, 2020Date of Patent: October 19, 2021Assignee: The Toronto-Dominion BankInventors: Adrian Bloy, Morgan Klein-MacNeil
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Publication number: 20210224746Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically generating acquisition IDs and using them to track and record how products are identified, offered, and sold, as well as how customers respond to particular variations of product offers. The acquisition ID can be associated with any product sale, transaction completion, or account creation initiated using or otherwise identifying or associated with the acquisition ID, where the connection to the acquisition ID can be maintained and retained with ongoing records associated with the interaction and created account, transaction, and/or product purchase. Using the stored information and the acquisition IDs, an organization can precisely determine what products were sold using which marketing tactic, campaign, or channel through which the transaction occurred and/or was initiated, among others.Type: ApplicationFiled: January 21, 2020Publication date: July 22, 2021Applicant: The Toronto-Dominion BankInventors: Adrian Bloy, Morgan Klein-MacNeil
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Publication number: 20210224839Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically generating acquisition IDs and using them to track and record how products are identified, offered, and sold, as well as how customers respond to particular variations of product offers. The acquisition ID can be associated with any product sale, transaction completion, or account creation initiated using or otherwise identifying or associated with the acquisition ID, where the connection to the acquisition ID can be maintained and retained with ongoing records associated with the interaction and created account, transaction, and/or product purchase. Using the stored information and the acquisition IDs, an organization can precisely determine what products were sold using which marketing tactic, campaign, or channel through which the transaction occurred and/or was initiated, among others.Type: ApplicationFiled: January 21, 2020Publication date: July 22, 2021Applicant: The Toronto-Dominion BankInventors: Adrian Bloy, Morgan Klein-MacNeil
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Publication number: 20210133866Abstract: The present disclosure involves systems, software, and computer-implemented methods for providing assisted channel credit application completion for customers, where approval of the credit application results in an automatic integration of payment credentials into a corresponding digital wallet. One example method includes receiving, via an assisted channel user terminal, a request to apply for a new credit account for a customer. Input into a digital credit application is input by an employee or teller on behalf of the customer. A credit adjudication process is performed on the application, and, in response to approval, a new credit account associated with the customer and corresponding payment information is created. A system to which the set of payment information is to be provided is identified, and the set of payment information associated with the new credit account is transmitted to those systems to be automatically integrated into those systems' digital wallets.Type: ApplicationFiled: October 31, 2019Publication date: May 6, 2021Applicant: The Toronto-Dominion BankInventors: Adrian Bloy, Morgan Klein-MacNeil, Alan Tam, Trevor Ross Gimbel, Julianne Helen Fong
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Publication number: 20210133704Abstract: The present disclosure involves systems, software, and computer-implemented methods for integrating immediate credit application processes and decisions via a financial institution into ongoing transactions performed at a merchant system. One example method includes receiving a request for new credit associated with an ongoing transaction at a second system, the request associated with a transaction payload including a session ID and a set of transaction information. A digital credit application is presented, and at least some of the set of transaction information is presented concurrently with the digital credit application. In response to approving the credit application, a new account is generated, a user is redirected back to the merchant system using the session ID, and the credit account information is securely transmitted back to the merchant. The state of the ongoing transaction is restored, and the new payment information is used to complete the transaction.Type: ApplicationFiled: October 31, 2019Publication date: May 6, 2021Applicant: The Toronto-Dominion BankInventors: Adrian Bloy, Morgan Klein-MacNeil, Alan Tam, Trevor Ross Gimbel, Julianne Helen Fong, Sonali Suresh Nagarkar
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Publication number: 20210118001Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing linking partner loyalty rewards accounts using authorized user and primary user information associated with an account. One example method includes authenticating a user at a partner system, and receiving from the user information associated with an account. The information associated with user's account is communicated to a financial institution system via an API where the user can then be verified as an authorized user on an account. The financial institution system then provides the partner system with information associated with the primary user of the account, and the partner system can link a loyalty account of the primary user with the loyalty account of the authenticated user.Type: ApplicationFiled: October 22, 2019Publication date: April 22, 2021Applicant: The Toronto-Dominion BankInventors: Adrian Bloy, Morgan Klein-MacNeil, Syrous Delavari-Maraghi, Trevor Ross Gimbel, Caroline Elizabeth Wilkinson, Sonali Suresh Nagarkar