Patents by Inventor Danielle Marie MULLENAX
Danielle Marie MULLENAX 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: 11983787Abstract: The present disclosure involves systems, software, and computer implemented methods for performing identity validation using a digital ID shared and trusted among a coalition of institutions. One example method includes receiving, via a communications module and from a first consortium member system, a set of input credentials from a first consortium member system associated with an operation, where the set of input credentials is associated with a user. A digital ID is identified corresponding to the set of input credentials and the first user, wherein each digital ID uniquely identifies a particular user and corresponds to at least one user account associated with other consortium member systems in a trusted consortium network. Using the other user accounts, additional user account information associated with the user is obtained and used in a verification operation.Type: GrantFiled: June 14, 2023Date of Patent: May 14, 2024Inventors: Adrian Bloy, Danielle Marie Mullenax, Kevin Yuen, Daniel Lam Tin Cheung, Asgar Maleki
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Patent number: 11935088Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.Type: GrantFiled: December 8, 2022Date of Patent: March 19, 2024Assignee: The Toronto-Dominion BankInventors: Adrian Bloy, Danielle Marie Mullenax, Dominic Elia, Michael James Taggart, Lance Lucas Leisher, Arlene Lori Maciver, Christiane Jewer, Ameya Warty, Javon Tavoy Findlator, Sean Michael Mullen, Stacey-Anne Callender, Jeffery Macdonald, Sheirline Hanna
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Publication number: 20230351499Abstract: The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying, at a merchant application, a request to perform a credit application process associated with a particular user via a client application. The credit application process is associated with a financial institution, and the merchant application stores a set of user accounts, each associated with a merchant-specific identifier identifying the particular user profile at the merchant. An interactive application is presented within the merchant application, and information associated with the completed application is transmitted to an API associated with the financial institution with the merchant-specific identifier of the associated user.Type: ApplicationFiled: May 10, 2023Publication date: November 2, 2023Applicant: The Toronto-Dominion BankInventors: Adrian Bloy, Daniel Lam Tin Cheung, Asgar Maleki, Kevin Yuen, Danielle Marie Mullenax
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Publication number: 20230334459Abstract: The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying a request to perform a credit application process associated with a particular user via a client application. A first signal can be transmitted that includes a redirect instruction for the client application to a credit application site to perform a credit application process. A second signal can be transmitted that includes a merchant-specific identifier of the particular user and a request to perform the credit application process. A third signal can be received from the credit application site that includes an approval, a payment credential associated with a newly created credit account, and the merchant-specific identifier of the particular user. The payment credential can be associated with the user profile of the user corresponding to the merchant-specific identifier.Type: ApplicationFiled: June 14, 2023Publication date: October 19, 2023Inventors: Adrian Bloy, Daniel Lam Tin Cheung, Asgar Maleki, Kevin Yuen, Danielle Marie Mullenax
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Publication number: 20230325957Abstract: The present disclosure involves systems, software, and computer implemented methods for performing identity validation using a digital ID shared and trusted among a coalition of institutions. One example method includes receiving, via a communications module and from a first consortium member system, a set of input credentials from a first consortium member system associated with an operation, where the set of input credentials is associated with a user. A digital ID is identified corresponding to the set of input credentials and the first user, wherein each digital ID uniquely identifies a particular user and corresponds to at least one user account associated with other consortium member systems in a trusted consortium network. Using the other user accounts, additional user account information associated with the user is obtained and used in a verification operation.Type: ApplicationFiled: June 14, 2023Publication date: October 12, 2023Inventors: Adrian Bloy, Danielle Marie Mullenax, Kevin Yuen, Daniel Lam Tin Cheung, Asgar Maleki
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Patent number: 11704761Abstract: The present disclosure involves systems, software, and computer implemented methods for performing identity validation using a digital ID shared and trusted among a coalition of institutions. One example method includes receiving, via a communications module and from a first consortium member system, a set of input credentials from a first consortium member system associated with an operation, where the set of input credentials is associated with a user. A digital ID is identified corresponding to the set of input credentials and the first user, wherein each digital ID uniquely identifies a particular user and corresponds to at least one user account associated with other consortium member systems in a trusted consortium network. Using the other user accounts, additional user account information associated with the user is obtained and used in a verification operation.Type: GrantFiled: December 3, 2021Date of Patent: July 18, 2023Inventors: Adrian Bloy, Danielle Marie Mullenax, Kevin Yuen, Daniel Lam Tin Cheung, Asgar Maleki
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Patent number: 11694179Abstract: The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying a request to perform a credit application process associated with a particular user via a client application. A first signal can be transmitted that includes a redirect instruction for the client application to a credit application site to perform a credit application process. A second signal can be transmitted that includes a merchant-specific identifier of the particular user and a request to perform the credit application process. A third signal can be received from the credit application site that includes an approval, a payment credential associated with a newly created credit account, and the merchant-specific identifier of the particular user. The payment credential can be associated with the user profile of the user corresponding to the merchant-specific identifier.Type: GrantFiled: June 22, 2022Date of Patent: July 4, 2023Inventors: Adrian Bloy, Daniel Lam Tin Cheung, Asgar Maleki, Kevin Yuen, Danielle Marie Mullenax
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Patent number: 11688003Abstract: The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying, at a merchant application, a request to perform a credit application process associated with a particular user via a client application. The credit application process is associated with a financial institution, and the merchant application stores a set of user accounts, each associated with a merchant-specific identifier identifying the particular user profile at the merchant. An interactive application is presented within the merchant application, and information associated with the completed application is transmitted to an API associated with the financial institution with the merchant-specific identifier of the associated user.Type: GrantFiled: September 19, 2018Date of Patent: June 27, 2023Assignee: The Toronto-Dominion BankInventors: Adrian Bloy, Daniel Lam Tin Cheung, Asgar Maleki, Kevin Yuen, Danielle Marie Mullenax
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Publication number: 20230105638Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.Type: ApplicationFiled: December 8, 2022Publication date: April 6, 2023Inventors: Adrian Bloy, Danielle Marie Mullenax, Dominic Elia, Michael James Taggart, Lance Lucas Leisher, Arlene Lori Maciver, Christiane Jewer, Ameya Warty, Javon Tavoy Findlator, Sean Michael Mullen, Stacey-Anne Callender, Jeffery Macdonald, Sheirline Hanna
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Patent number: 11605106Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.Type: GrantFiled: October 10, 2018Date of Patent: March 14, 2023Inventors: Adrian Bloy, Danielle Marie Mullenax, Dominic Elia, Michael James Taggart, Lance Lucas Leisher, Arlene Lori Maciver, Christiane Jewer, Ameya Warty, Javon Tavoy Findlator, Sean Michael Mullen, Stacey-Anne Callender, Jeffery Macdonald, Sheirline Hanna
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Patent number: 11514424Abstract: The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying a request to perform a credit application process associated with a particular user via a client application. A first signal can be transmitted that includes a redirect instruction for the client application to a credit application site to perform a credit application process. A second signal can be transmitted that includes a merchant-specific identifier of the particular user and a request to perform the credit application process. A third signal can be received from the credit application site that includes an approval, a payment credential associated with a newly created credit account, and the merchant-specific identifier of the particular user. The payment credential can be associated with the user profile of the user corresponding to the merchant-specific identifier.Type: GrantFiled: September 19, 2018Date of Patent: November 29, 2022Inventors: Adrian Bloy, Daniel Lam Tin Cheung, Asgar Maleki, Kevin Yuen, Danielle Marie Mullenax
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Publication number: 20220318782Abstract: The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying a request to perform a credit application process associated with a particular user via a client application. A first signal can be transmitted that includes a redirect instruction for the client application to a credit application site to perform a credit application process. A second signal can be transmitted that includes a merchant-specific identifier of the particular user and a request to perform the credit application process. A third signal can be received from the credit application site that includes an approval, a payment credential associated with a newly created credit account, and the merchant-specific identifier of the particular user. The payment credential can be associated with the user profile of the user corresponding to the merchant-specific identifier.Type: ApplicationFiled: June 22, 2022Publication date: October 6, 2022Inventors: Adrian Bloy, Daniel Lam Tin Cheung, Asgar Maleki, Kevin Yuen, Danielle Marie Mullenax
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Publication number: 20220092715Abstract: The present disclosure involves systems, software, and computer implemented methods for performing identity validation using a digital ID shared and trusted among a coalition of institutions. One example method includes receiving, via a communications module and from a first consortium member system, a set of input credentials from a first consortium member system associated with an operation, where the set of input credentials is associated with a user. A digital ID is identified corresponding to the set of input credentials and the first user, wherein each digital ID uniquely identifies a particular user and corresponds to at least one user account associated with other consortium member systems in a trusted consortium network. Using the other user accounts, additional user account information associated with the user is obtained and used in a verification operation.Type: ApplicationFiled: December 3, 2021Publication date: March 24, 2022Inventors: Adrian Bloy, Danielle Marie Mullenax, Kevin Yuen, Daniel Lam Tin Cheung, Asgar Maleki
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Patent number: 11227354Abstract: The present disclosure involves systems, software, and computer implemented methods for performing identity validation using a digital ID shared and trusted among a coalition of institutions. One example method includes receiving, via a communications module and from a first consortium member system, a set of input credentials from a first consortium member system associated with an operation, where the set of input credentials is associated with a user. A digital ID is identified corresponding to the set of input credentials and the first user, wherein each digital ID uniquely identifies a particular user and corresponds to at least one user account associated with other consortium member systems in a trusted consortium network. Using the other user accounts, additional user account information associated with the user is obtained and used in a verification operation.Type: GrantFiled: May 20, 2019Date of Patent: January 18, 2022Assignee: The Toronto-Dominion BankInventors: Adrian Bloy, Danielle Marie Mullenax, Kevin Yuen, Daniel Lam Tin Cheung, Asgar Maleki
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Publication number: 20210279795Abstract: The present disclosure involves systems, software, and computer implemented methods for providing credit application and provisioning operations associated with a financial institution via a secure financial application and mobile wallet. One example method includes receiving a credit application for user. In response to credit approval, a new credit account associated with a set of credentials is created. An indication of approval and the credentials are transmitted via a first channel, and a request to open a secure financial application at a mobile device are transmitted through a second channel. A login request from the secure financial application is received, and if the credentials match the created credentials, a process for initiating onboarding procedures for a digital version of a payment card associated with the new credit account is initiated at the mobile device.Type: ApplicationFiled: May 25, 2021Publication date: September 9, 2021Inventors: Adrian Bloy, Daniel Lam Tin Cheung, Asgar Maleki, Kevin Yuen, Danielle Marie Mullenax
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Publication number: 20200372600Abstract: The present disclosure involves systems, software, and computer implemented methods for performing identity validation using a digital ID shared and trusted among a coalition of institutions. One example method includes receiving, via a communications module and from a first consortium member system, a set of input credentials from a first consortium member system associated with an operation, where the set of input credentials is associated with a user. A digital ID is identified corresponding to the set of input credentials and the first user, wherein each digital ID uniquely identifies a particular user and corresponds to at least one user account associated with other consortium member systems in a trusted consortium network. Using the other user accounts, additional user account information associated with the user is obtained and used in a verification operation.Type: ApplicationFiled: May 20, 2019Publication date: November 26, 2020Inventors: Adrian Bloy, Danielle Marie Mullenax, Kevin Yuen, Daniel Lam Tin Cheung, Asgar Maleki
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Publication number: 20200118205Abstract: The present disclosure involves systems, software, and computer implemented methods for providing credit application and provisioning operations associated with a financial institution via a secure financial application and mobile wallet. One example method includes receiving a credit application for user. In response to credit approval, a new credit account associated with a set of credentials is created. An indication of approval and the credentials are transmitted via a first channel, and a request to open a secure financial application at a mobile device are transmitted through a second channel. A login request from the secure financial application is received, and if the credentials match the created credentials, a process for initiating onboarding procedures for a digital version of a payment card associated with the new credit account is initiated at the mobile device.Type: ApplicationFiled: October 16, 2018Publication date: April 16, 2020Inventors: Adrian Bloy, Daniel Lam Tin Cheung, Asgar Maleki, Kevin Yuen, Danielle Marie Mullenax
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Publication number: 20200118156Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.Type: ApplicationFiled: October 10, 2018Publication date: April 16, 2020Inventors: Adrian Bloy, Danielle Marie Mullenax, Dominic Elia, Michael James Taggart, Lance Lucas Leisher, Arlene Lori Maciver, Christiane Jewer, Ameya Warty, Javon Tavoy Findlator, Sean Michael Mullen, Stacey-Anne Callender, Jeffrey MacDonald, Sheirline Hanna
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Publication number: 20190087894Abstract: The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying, at a merchant application, a request to perform a credit application process associated with a particular user via a client application. The credit application process is associated with a financial institution, and the merchant application stores a set of user accounts, each associated with a merchant-specific identifier identifying the particular user profile at the merchant. An interactive application is presented within the merchant application, and information associated with the completed application is transmitted to an API associated with the financial institution with the merchant-specific identifier of the associated user.Type: ApplicationFiled: September 19, 2018Publication date: March 21, 2019Applicant: The Toronto-Dominion BankInventors: Adrian BLOY, Daniel Lam Tin CHEUNG, Asgar MALEKI, Kevin YUEN, Danielle Marie MULLENAX
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Publication number: 20190087809Abstract: The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying a request to perform a credit application process associated with a particular user via a client application. A first signal can be transmitted that includes a redirect instruction for the client application to a credit application site to perform a credit application process. A second signal can be transmitted that includes a merchant-specific identifier of the particular user and a request to perform the credit application process. A third signal can be received from the credit application site that includes an approval, a payment credential associated with a newly created credit account, and the merchant-specific identifier of the particular user. The payment credential can be associated with the user profile of the user corresponding to the merchant-specific identifier.Type: ApplicationFiled: September 19, 2018Publication date: March 21, 2019Applicant: The Toronto-Dominion BankInventors: Adrian BLOY, Daniel Lam Tin CHEUNG, Asgar MALEKI, Kevin YUEN, Danielle Marie MULLENAX