Patents by Inventor Denny Devasia Kuruvilla

Denny Devasia Kuruvilla 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: 11941703
    Abstract: Methods and systems for facilitating photo-based estimation are described. In an aspect, a server is configured to send via a communications module to a remote computing device a first signal comprising a chat interface. The server may receive, via the communications module and from the remote computing device, a second signal representing input received at the remote computing device through the chat interface. The server may identify an account associated with the remote computing device and retrieve policy data associated with the identified account from the data store. The server may automatically evaluate the input and policy data against predetermined criteria to determine whether a claim has a low risk level and, when the claim is determined to have a low risk level, engage a photo-based estimation module.
    Type: Grant
    Filed: October 20, 2021
    Date of Patent: March 26, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Denny Devasia Kuruvilla, Esli Gjini, Sarah Reeve, Harjot Singh Panag, Justin Seto, Naomi Sarah Feth, Anurag Thakur
  • Publication number: 20240015166
    Abstract: A computer-implemented method is disclosed. The method includes: authenticating a user for login to a service for a first authenticated user session; in response to authenticating the user, sending, to a client device associated with the user, a first data string associated with a first validity period; receiving, from the client device after expiry of the first authenticated user session, a data access request to access protected data, the data access request including the first data string; validating the first data string based on checking the first validity period; and in response to determining that the first data string is valid, transmitting, to the client device, a data access response including at least a subset of the requested protected data.
    Type: Application
    Filed: September 26, 2023
    Publication date: January 11, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Denny Devasia KURUVILLA, Esli GJINI, Sarah REEVE, Matija BOSNJAKOVIC, Guy DAGMARA, Jaspal Singh SAMRA, Abhiney NATARAJAN, Haobin LI, Richard YU, Md Abdur Razzak CHOWDHURY, Dani KARTIKAY, Ryan WU, Andrey PETROV, Peter HORVATH, Prashanth DAPPULA, Sivashanthan SIVAPALAN, Nolan GLYNN-UDROW
  • Patent number: 11805134
    Abstract: A computer-implemented method is disclosed. The method includes: authenticating a user for login to a service for a first authenticated user session; in response to authenticating the user, generating a first data string associated with a first validity period; sending, to a client device associated with the user, the first data string; receiving, from the client device, a data access request to access a first data set at a remote data source, the data access request including the first data string; determining that the first authenticated user session has been terminated at a time of receiving the data access request; validating the first data string based on checking the first validity period; and in response to determining that the first authenticated user session has been terminated and that the first data string is valid, transmitting, to the client device, a data access response including at least a subset of the first data set.
    Type: Grant
    Filed: January 25, 2022
    Date of Patent: October 31, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Denny Devasia Kuruvilla, Esli Gjini, Sarah Reeve, Matija Bosnjakovic, Guy Dagmara, Jaspal Singh Samra, Abhiney Natarajan, Haobin Li, Richard Yu, Md Abdur Razzak Chowdhury, Dani Kartikay, Ryan Wu, Andrey Petrov, Peter Horvath, Prashanth Dappula, Sivashanthan Sivapalan, Nolan Glynn-Udrow
  • Patent number: 11694181
    Abstract: The present disclosure involves systems, software, and computer implemented methods for intercepting data exchange requests and automatically imposing a hold period while the data exchange is evaluated for a user profile initiating the request. One example system includes operations to detect a data exchange request prior to completion of the attempted data exchange, the data exchange request including information defining the attempted data exchange and associated wherein the attempted data exchange is associated with a particular user profile. A portion of the information is transmitted to a data exchange analysis system for execution of a user profile-specific data exchange analysis based on the information and a status of the user profile. A hold state is initiated for the data exchange request while the analysis is performed. The results of the analysis are presented and a confirmation to proceed is required before allowing the attempted data exchange to be processed.
    Type: Grant
    Filed: July 8, 2020
    Date of Patent: July 4, 2023
    Inventors: Dean C. N. Tseretopoulos, Robert Alexander McCarter, Sarabjit Singh Walia, Vipul Kishore Lalka, Nadia Moretti, Paige Elyse Dickie, Denny Devasia Kuruvilla, Milos Dunjic, Dino Paul D'Agostino, Arun Victor Jagga, John Jong-Suk Lee, Rakesh Thomas Jethwa
  • Publication number: 20230110017
    Abstract: Methods and systems for facilitating photo-based estimation are described. In an aspect, a computing device is configured to receive, from the camera, a signal comprising image data. The image data may represent at least a portion of a vehicle. The computing device may also retrieve data representing a preferred scene of the vehicle and determine, based on the image data and based on the data representing the preferred scene of the vehicle, whether the image data corresponds to the preferred scene of the vehicle. The server may, when the received image data corresponds to the preferred scene of the vehicle, enable capture of the image data. The server may send, via the communications module, a signal representing the captured image data to a processing server configured to analyze the captured image data to assess vehicular damage.
    Type: Application
    Filed: December 8, 2022
    Publication date: April 13, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: Denny Devasia KURUVILLA, Esli GJINI, Sarah REEVE, Harjot Singh PANAG, Justin SETO, Naomi Sarah FETH, Anurag THAKUR
  • Patent number: 11620741
    Abstract: Methods and systems for facilitating photo-based estimation are described. In an aspect, a server is configured to receive, via the communications module from a remote computing device, a signal comprising image data obtained by the remote computing device, the image data including metadata identifying an image capture location and a time of image capture; obtain verification data, the verification data comprising sensor data received from the remote computing device and identifying a location of the remote computing device at the time of image capture; and evaluate the image data based on the verification data to verify the authenticity of the image data by comparing the image capture location in the metadata to the location of the remote computing device at the time of image capture.
    Type: Grant
    Filed: April 9, 2021
    Date of Patent: April 4, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Denny Devasia Kuruvilla, Esli Gjini, Sarah Reeve, Harjot Singh Panag, Justin Seto, Naomi Sarah Feth, Anurag Thakur
  • Publication number: 20230014766
    Abstract: A server comprises a communications module, a processor coupled to the communications module, and a memory coupled to the processor. The memory stores processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a remote computing device, video data of a vehicle in an original state, store, in the memory, at least some of the video data of the vehicle and associate the stored video data with an account, receive, via the communications module and from the remote computing device, an indication of a claim, the indication associated with an account identifier, retrieve, using the account identifier and from the memory, the video data of the vehicle in the original state from the memory, and send, via the communications module and to the remote computing device, instructions for obtaining video data of the vehicle based on the video data of the vehicle in the original state.
    Type: Application
    Filed: September 19, 2022
    Publication date: January 19, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: Denny Devasia KURUVILLA, Esli GJINI, Sarah REEVE, Justin SETO, Naomi Sarah FETH, Anurag THAKUR, Harjot Singh PANAG
  • Patent number: 11551307
    Abstract: Methods and systems for facilitating photo-based estimation are described. In an aspect, a computing device is configured to receive, from the camera, a signal comprising image data. The image data may represent at least a portion of a vehicle. The computing device may also retrieve data representing a preferred scene of the vehicle and determine, based on the image data and based on the data representing the preferred scene of the vehicle, whether the image data corresponds to the preferred scene of the vehicle. The server may, when the received image data corresponds to the preferred scene of the vehicle, enable capture of the image data. The server may send, via the communications module, a signal representing the captured image data to a processing server configured to analyze the captured image data to assess vehicular damage.
    Type: Grant
    Filed: October 5, 2018
    Date of Patent: January 10, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Denny Devasia Kuruvilla, Esli Gjini, Sarah Reeve, Harjot Singh Panag, Justin Seto, Naomi Sarah Feth, Anurag Thakur
  • Patent number: 11537449
    Abstract: Devices and methods for providing alert notifications. The device includes an input module, a display, and memory having instructions. The device receives, via the input module, a first signal representing a command to set an alert condition associated with an identifier and, in response, generates the alert condition. The device transmits a second signal representing the alert condition to a monitoring system for setting up a targeted notification. The device receives a third signal representing an asserted alert indicating that the alert condition is satisfied and displays on the display, based on the third signal representing the asserted alert, an alert notification including the identifier and a first selectable option associated with a first application interface. In response to receiving, via the input module, a fourth signal representing selection of the first selectable option, the device displays the first application interface and auto-populates a first field based on the identifier.
    Type: Grant
    Filed: July 29, 2020
    Date of Patent: December 27, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Denny Devasia Kuruvilla, Esli Gjini, Sarah Reeve, Matija Bosnjakovic, Dagmara Guy, Jaspal Singh Samra, Abhiney Natarajan, Haobin Li, Richard Yu, Md Abdur Razzak Chowdhury, Nolan Glynn-Udrow, Kartikay Dani, Ryan Wu, Andrey Petrov, Peter Horvath
  • Patent number: 11483523
    Abstract: A server comprises a communications module, a processor coupled to the communications module, and a memory coupled to the processor. The memory stores processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a remote computing device, video data of a vehicle in an original state, store, in the memory, at least some of the video data of the vehicle and associate the stored video data with an account, receive, via the communications module and from the remote computing device, an indication of a claim, the indication associated with an account identifier, retrieve, using the account identifier and from the memory, the video data of the vehicle in the original state from the memory, and send, via the communications module and to the remote computing device, instructions for obtaining video data of the vehicle based on the video data of the vehicle in the original state.
    Type: Grant
    Filed: November 26, 2019
    Date of Patent: October 25, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Denny Devasia Kuruvilla, Esli Gjini, Sarah Reeve, Harjot Singh Panag, Justin Seto, Naomi Sarah Feth, Anurag Thakur
  • Patent number: 11347744
    Abstract: A data management device, communication system and methods for tagging data in a data table and triggering automated action. A data management device receives from a first data provider one or more records of a data table, each record comprising a plurality of fields. The data table is associated with an account having one or more authorized users. The plurality of fields each has a value set by the first data provider. The data manger determines one or more tags for the one or more records in accordance with a plurality of autotagging rules. The data manger appends the one or more records to include one or more tag fields corresponding to the one or more tags for the one or more records. The appended records are stored in a database. One or more automated actions may be triggered based on one or more tag fields of one or more of the plurality of records.
    Type: Grant
    Filed: May 22, 2020
    Date of Patent: May 31, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Dean C. N. Tseretopoulos, Robert Alexander McCarter, Sarabjit Singh Walia, Vipul Kishore Lalka, Nadia Moretti, Paige Elyse Dickie, Denny Devasia Kuruvilla, Milo Dunjic, Dino Paul D'Agostino, Arun Victor Jagga, John Jong-Suk Lee, Rakesh Thomas Jethwa
  • Publication number: 20220150231
    Abstract: A computer-implemented method is disclosed. The method includes: authenticating a user for login to a service for a first authenticated user session; in response to authenticating the user, generating a first data string associated with a first validity period; sending, to a client device associated with the user, the first data string; receiving, from the client device, a data access request to access a first data set at a remote data source, the data access request including the first data string; determining that the first authenticated user session has been terminated at a time of receiving the data access request; validating the first data string based on checking the first validity period; and in response to determining that the first authenticated user session has been terminated and that the first data string is valid, transmitting, to the client device, a data access response including at least a subset of the first data set.
    Type: Application
    Filed: January 25, 2022
    Publication date: May 12, 2022
    Applicant: The Toronto-Dominion Bank
    Inventors: Denny Devasia KURUVILLA, Esli GJINI, Sarah REEVE, Matija BOSNJAKOVIC, Guy DAGMARA, Jaspal Singh SAMRA, Abhiney NATARAJAN, Haobin LI, Richard YU, Md Abdur Razzak CHOWDHURY, Dani KARTIKAY, Ryan WU, Andrey PETROV, Peter HORVATH, Prashanth DAPPULA, Sivashanthan SIVAPALAN, Nolan GLYNN-UDROW
  • Patent number: 11271947
    Abstract: A method for real-time processing of data retrieval requests is disclosed. The method includes: receiving, from a client device, a first login request to log in to a service; authenticating the user for login to the service; in response to authenticating the user, generating a first data string representing at least a unique device identifier for the client device and a validity period; storing the device identifier; sending, to the client device, the first data string; receiving, from the client device, a data retrieval request to retrieve a data set from a remote server, the data retrieval request including the first data string; determining whether the first data string is valid based on checking the validity period; in response to determining that the first data string is valid: obtaining the data set from the remote server; and sending, to the client device, first data based on the obtained data set.
    Type: Grant
    Filed: July 24, 2019
    Date of Patent: March 8, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Denny Devasia Kuruvilla, Md Abdur Razzak Chowdhury, Dani Kartikay, Ryan Wu, Andrey Petrov, Peter Horvath, Prashanth Dappula, Sivashanthan Sivapalan, Nolan Glynn-Udrow, Esli Gjini, Sarah Reeve, Matija Bosnjakovic, Guy Dagmara, Jaspal Singh Samra, Abhiney Natarajan, Haobin Li, Richard Yu
  • Publication number: 20220044330
    Abstract: Methods and systems for facilitating photo-based estimation are described. In an aspect, a server is configured to send via a communications module to a remote computing device a first signal comprising a chat interface. The server may receive, via the communications module and from the remote computing device, a second signal representing input received at the remote computing device through the chat interface. The server may identify an account associated with the remote computing device and retrieve policy data associated with the identified account from the data store. The server may automatically evaluate the input and policy data against predetermined criteria to determine whether a claim has a low risk level and, when the claim is determined to have a low risk level, engage a photo-based estimation module.
    Type: Application
    Filed: October 20, 2021
    Publication date: February 10, 2022
    Applicant: The Toronto-Dominion Bank
    Inventors: Denny Devasia KURUVILLA, Esli GJINI, Sarah REEVE, Harjot Singh PANAG, Justin SETO, Naomi Sarah FETH, Anurag THAKUR
  • Patent number: 11222416
    Abstract: A server 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 by the processor, configure the processor to receive, via the communications module and from a remote computing device, a signal representing an indication of at least one damage location of a vehicle; generate instructions by concatenating one or more instruction sets instructing a user of the remote computing device how to obtain video data of the vehicle based on the at least one damage location and an instruction set instructing the user of the remote computing device how to obtain the video data of the vehicle to capture an identifier of the vehicle in a random order; and send, via the communications module and to the remote computing device, a signal causing the instructions to be displayed on a display of the remote computing device.
    Type: Grant
    Filed: March 11, 2021
    Date of Patent: January 11, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Denny Devasia Kuruvilla, Esli Gjini, Sarah Reeve, Harjot Singh Panag, Justin Seto, Naomi Sarah Feth, Anurag Thakur
  • Publication number: 20210407016
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, devices, and processes that, among other things, dynamically provision exchanges of data based on detected relationships within processed image data. For example, a network-connected apparatus may receive, from a device, image data that identifies a plurality of individuals associated with an exchange of data. Based on an analysis of the image data, the apparatus may determine a value of a first characteristic associated with each of the individuals and generate relationship data characterizing a relationship between the individuals. The apparatus may also determine candidate values of parameters that characterize the data exchange based on portions of the first characteristic values and the relationship data, transmit the candidate parameter values to the device. An application program executed by the device may cause the device to present at least a portion of the candidate parameter values within a digital interface.
    Type: Application
    Filed: September 10, 2021
    Publication date: December 30, 2021
    Inventors: Denny Devasia Kuruvilla, Paige Elyse Dickie, Gregory Richard Harper, Mark Andrew Hardy, Valerie Velardo, Robert Jason Rousell, Bernard James Tarroza, Marc Philips
  • Patent number: 11182860
    Abstract: Methods and systems for facilitating photo-based estimation are described. In an aspect, a server is configured to send via a communications module to a remote computing device a first signal comprising a chat interface. The server may receive, via the communications module and from the remote computing device, a second signal representing input received at the remote computing device through the chat interface. The server may identify an account associated with the remote computing device and retrieve policy data associated with the identified account from the data store. The server may automatically evaluate the input and policy data against predetermined criteria to determine whether a claim has a low risk level and, when the claim is determined to have a low risk level, engage a photo-based estimation module.
    Type: Grant
    Filed: October 5, 2018
    Date of Patent: November 23, 2021
    Assignee: THE TORONTO-DOMINION BANK
    Inventors: Denny Devasia Kuruvilla, Esli Gjini, Sarah Reeve, Harjot Singh Panag, Justin Seto, Naomi Sarah Feth, Anurag Thakur
  • Patent number: 11144998
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, devices, and processes that, among other things, dynamically provision exchanges of data based on detected relationships within processed image data. For example, a network-connected apparatus may receive, from a device, image data that identifies a plurality of individuals associated with an exchange of data. Based on an analysis of the image data, the apparatus may determine a value of a first characteristic associated with each of the individuals and generate relationship data characterizing a relationship between the individuals. The apparatus may also determine candidate values of parameters that characterize the data exchange based on portions of the first characteristic values and the relationship data, transmit the candidate parameter values to the device. An application program executed by the device may cause the device to present at least a portion of the candidate parameter values within a digital interface.
    Type: Grant
    Filed: September 20, 2018
    Date of Patent: October 12, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Denny Devasia Kuruvilla, Paige Elyse Dickie, Gregory Richard Harper, Mark Andrew Hardy, Valerie Velardo, Robert Jason Rousell, Bernard James Tarroza, Marc Philips
  • Publication number: 20210233225
    Abstract: Methods and systems for facilitating photo-based estimation are described. In an aspect, a server is configured to receive, via the communications module from a remote computing device, a signal comprising image data obtained by the remote computing device, the image data including metadata identifying an image capture location and a time of image capture; obtain verification data, the verification data comprising sensor data received from the remote computing device and identifying a location of the remote computing device at the time of image capture; and evaluate the image data based on the verification data to verify the authenticity of the image data by comparing the image capture location in the metadata to the location of the remote computing device at the time of image capture.
    Type: Application
    Filed: April 9, 2021
    Publication date: July 29, 2021
    Applicant: The Toronto-Dominion Bank
    Inventors: Denny Devasia KURUVILLA, Esli GJINI, Sarah REEVE, Harjot Singh PANAG, Justin SETO, Naomi Sarah FETH, Anurag THAKUR
  • Publication number: 20210201468
    Abstract: A server 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 by the processor, configure the processor to receive, via the communications module and from a remote computing device, a signal representing an indication of at least one damage location of a vehicle; generate instructions by concatenating one or more instruction sets instructing a user of the remote computing device how to obtain video data of the vehicle based on the at least one damage location and an instruction set instructing the user of the remote computing device how to obtain the video data of the vehicle to capture an identifier of the vehicle in a random order; and send, via the communications module and to the remote computing device, a signal causing the instructions to be displayed on a display of the remote computing device.
    Type: Application
    Filed: March 11, 2021
    Publication date: July 1, 2021
    Applicant: The Toronto-Dominion Bank
    Inventors: Denny Devasia KURUVILLA, Esli GJINI, Sarah REEVE, Harjot Singh PANAG, Justin SETO, Naomi Sarah FETH, Anurag THAKUR