Patents by Inventor Garima Aggarwal

Garima Aggarwal 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: 12015565
    Abstract: A computer-implemented is disclosed. The method includes: allocating a first quantity of resources associated with one or more database records of an entity to a first device operation of a computing device associated with the entity; detecting a trigger condition associated with the first device operation for generating offers for lending resources to the entity in connection with the first device operation; in response to detecting the trigger condition: determining a second quantity of resources associated with the one or more database records for allocating to the first device operation based on a difference between a threshold quantity of resources associated with performing the first device operation and a total quantity of resources associated with the one or more database records previously allocated to the first device operation; and transmitting, to the computing device, a message representing an offer for lending the second quantity of resources.
    Type: Grant
    Filed: February 16, 2023
    Date of Patent: June 18, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Kareem El-Onsi, Garima Aggarwal, Raymond Alan Young
  • Publication number: 20230275846
    Abstract: A computer-implemented is disclosed. The method includes: allocating a first quantity of resources associated with one or more database records of an entity to a first device operation of a computing device associated with the entity; detecting a trigger condition associated with the first device operation for generating offers for lending resources to the entity in connection with the first device operation; in response to detecting the trigger condition: determining a second quantity of resources associated with the one or more database records for allocating to the first device operation based on a difference between a threshold quantity of resources associated with performing the first device operation and a total quantity of resources associated with the one or more database records previously allocated to the first device operation; and transmitting, to the computing device, a message representing an offer for lending the second quantity of resources.
    Type: Application
    Filed: February 16, 2023
    Publication date: August 31, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: Kareem EL-ONSI, Garima AGGARWAL, Raymond Alan YOUNG
  • Patent number: 11611516
    Abstract: A computer-implemented for allocating resources is disclosed. The method includes: receiving, from a client device associated with an entity, input including a selection of a first operation; obtaining a threshold quantity of resources associated with the first operation; allocating a first quantity of resources associated with the entity to the first operation; detecting a trigger condition for obtaining resources associated with the first operation; and in response to detecting the trigger condition for obtaining resources associated with the first operation: determining a second quantity of resources associated with the entity for allocation to the first operation based on a difference between the threshold quantity of resources associated with the first operation and the first quantity of resources; and transmitting, to the client device, a signal representing a message indicating the second quantity of resources.
    Type: Grant
    Filed: July 9, 2019
    Date of Patent: March 21, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Kareem El-Onsi, Garima Aggarwal, Raymond Alan Young
  • Patent number: 11475512
    Abstract: The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a communications device 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 receive a notification of a status of an account parameter. The operations may also include identifying a device eligible to access the notification in accordance with a user-specified data restriction, and identifying at least a portion of the notification that is consistent with the data restriction. The communications device provide the identified portion of the notification to the eligible device without receiving input from the user, and the eligible device may present at least one of a visual, audible, or tactile indicator of the status of the account parameter.
    Type: Grant
    Filed: February 8, 2018
    Date of Patent: October 18, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Orin Del Vecchio, Nigel Lall, Paul Mon-Wah Chan, Jonathan K. Barnett, Garima Aggarwal
  • Publication number: 20210014173
    Abstract: A computer-implemented for allocating resources is disclosed. The method includes: receiving, from a client device associated with an entity, input including a selection of a first operation; obtaining a threshold quantity of resources associated with the first operation; allocating a first quantity of resources associated with the entity to the first operation; detecting a trigger condition for obtaining resources associated with the first operation; and in response to detecting the trigger condition for obtaining resources associated with the first operation: determining a second quantity of resources associated with the entity for allocation to the first operation based on a difference between the threshold quantity of resources associated with the first operation and the first quantity of resources; and transmitting, to the client device, a signal representing a message indicating the second quantity of resources.
    Type: Application
    Filed: July 9, 2019
    Publication date: January 14, 2021
    Applicant: The Toronto-Dominion Bank
    Inventors: Kareem EL-ONSI, Garima AGGARWAL, Raymond Alan YOUNG
  • Patent number: 10866727
    Abstract: A method and system are provided for facilitating access to electronic data. The method is executed by a processor of a computing device. The computing device includes the processor coupled to a memory, a communications module, and an input device. The method includes receiving a first input from the input device representing a request from a request initiator to access funds for use in a transaction, requesting and receiving, via the communications module, financial health data associated with the request initiator, and determining a second input for accessing the funds. The second input is received from the input device and has a complexity dependent on the financial health data. The method also includes facilitating access to the funds when the second input is received.
    Type: Grant
    Filed: November 5, 2019
    Date of Patent: December 15, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Garima Aggarwal, Hisham Ibrahim Salama, Rakesh Thomas Jethwa, Paul Mon-Wah Chan, John Jong Suk Lee, Dean C. N. Tseretopoulos, Amber Rose Cossitt
  • Patent number: 10853774
    Abstract: The present disclosure involves systems, software, and computer-implemented methods for implementing a data transfer control based on information received from connected devices. In one instance, operations include loading an expected usage amount for a group of connected devices. Signals representing actual usage amounts associated with the group are received from at least device in the group. The actual usage amounts can be compared to the expected usage amount. An authorization of at least one payment-related action associated with the at least one group of connected devices is automatically transmitted to a payment system in response to determining that the usage amount is less than or equal to the expected amount, and at least one instruction to perform a corrective action associated with the group is automatically transmitted to at least one connected device of the group in response to determining that the actual amount exceeds the expected amount.
    Type: Grant
    Filed: October 5, 2016
    Date of Patent: December 1, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Garima Aggarwal, Jonathan K. Barnett, Roisin Lara Fritz, Robert Kyle Miller, Paul Mon-Wah Chan, John Jong-Suk Lee, Orin DelVecchio
  • Publication number: 20200073548
    Abstract: A method and system are provided for facilitating access to electronic data. The method is executed by a processor of a computing device. The computing device includes the processor coupled to a memory, a communications module, and an input device. The method includes receiving a first input from the input device representing a request from a request initiator to access funds for use in a transaction, requesting and receiving, via the communications module, financial health data associated with the request initiator, and determining a second input for accessing the funds. The second input is received from the input device and has a complexity dependent on the financial health data. The method also includes facilitating access to the funds when the second input is received.
    Type: Application
    Filed: November 5, 2019
    Publication date: March 5, 2020
    Inventors: Garima AGGARWAL, Hisham Ibrahim SALAMA, Rakesh Thomas JETHWA, Paul Mon-Wah CHAN, John Jong Suk LEE, Dean C. N. TSERETOPOULOS, Amber Rose COSSITT
  • Patent number: 10503394
    Abstract: A method and system are provided for facilitating access to electronic data. The method is executed by a processor of a computing device. The computing device includes the processor coupled to a memory, a communications module, and an input device. The method includes receiving a first input from the input device representing a request from a request initiator to access funds for use in a transaction, requesting and receiving, via the communications module, financial health data associated with the request initiator, and determining a second input for accessing the funds. The second input is received from the input device and has a complexity dependent on the financial health data. The method also includes facilitating access to the funds when the second input is received.
    Type: Grant
    Filed: October 5, 2016
    Date of Patent: December 10, 2019
    Assignee: The Toronto-Dominion Bank
    Inventors: Garima Aggarwal, Hisham Ibrahim Salama, Rakesh Thomas Jethwa, Paul Mon-Wah Chan, John Jong Suk Lee, Dean C. N. Tseretopoulos, Amber Rose Cossitt
  • Publication number: 20180225754
    Abstract: The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a communications device 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 receive a notification of a status of an account parameter. The operations may also include identifying a device eligible to access the notification in accordance with a user-specified data restriction, and identifying at least a portion of the notification that is consistent with the data restriction. The communications device provide the identified portion of the notification to the eligible device without receiving input from the user, and the eligible device may present at least one of a visual, audible, or tactile indicator of the status of the account parameter.
    Type: Application
    Filed: February 8, 2018
    Publication date: August 9, 2018
    Inventors: Orin Del Vecchio, Nigel Lall, Paul Mon-Wah Chan, Jonathan K. Barnett, Garima Aggarwal
  • Patent number: 9953367
    Abstract: The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a device 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 obtaining information identifying an event and a deadline specified by a user. The obtained information may link the event and deadline to corresponding user-specified temporal intervals. The operations may also include determining whether a current date falls within a time period prior to the deadline, the time period being established by the first temporal interval. When the current date falls within the time period, the operations may generate first notification information that, when presented via a client device in accordance with a user-specified indicator type, notified the user that the current sate falls within the first time period.
    Type: Grant
    Filed: January 5, 2015
    Date of Patent: April 24, 2018
    Assignee: The Toronto-Dominion Bank
    Inventors: Orin Del Vecchio, Nigel Lall, Paul Mon-Wah Chan, Jonathan K. Barnett, Garima Aggarwal
  • Publication number: 20180096434
    Abstract: A method and system are provided for displaying content on an electronic display. The method includes receiving data representing a plurality of items, each of the plurality of items being associated with a product or service. The method also includes requesting and receiving financial health data associated with a purchasing entity. The method also includes determining a subset of items from the plurality of items based on affordability relative to the financial health data, and having at least one of the plurality of items displayed on the electronic display. The subset of items may be displayed in a different manner than the other plurality of items displayed, the different manner may include either or both reducing visibility of the subset of items, and excluding the subset of items from being displayed.
    Type: Application
    Filed: October 5, 2016
    Publication date: April 5, 2018
    Inventors: Garima AGGARWAL, Hisham Ibrahim SALAMA, Rakesh Thomas JETHWA, Paul Mon-Wah CHAN, John Jong Suk LEE, Dean C. N. TSERETOPOULOS, Amber Rose COSSITT
  • Publication number: 20180096386
    Abstract: A method and system are provided for facilitating access to electronic data. The method is executed by a processor of a computing device. The computing device includes the processor coupled to a memory, a communications module, an input device, and a display. The method includes receiving an input from the input device representing a request by a request initiator to access funds from a first source for use in a transaction, requesting and receiving, via the communications module, financial health data associated with the request initiator, determining a financial product comprising funds from a second source available to the request initiator based on the financial health data, and displaying an offer of the financial product on the display for the request initiator.
    Type: Application
    Filed: October 5, 2016
    Publication date: April 5, 2018
    Inventors: Garima AGGARWAL, Paul Mon-Wah CHAN, John Jong Suk LEE, Dean C. N. TSERETOPOULOS
  • Publication number: 20180096319
    Abstract: A method and system are provided for facilitating access to electronic data. The method is executed by a processor of a computing device. The computing device includes the processor coupled to a memory, a communications module, and an input device. The method includes receiving a first input from the input device representing a request from a request initiator to access funds for use in a transaction, requesting and receiving, via the communications module, financial health data associated with the request initiator, and determining a second input for accessing the funds. The second input is received from the input device and has a complexity dependent on the financial health data. The method also includes facilitating access to the funds when the second input is received.
    Type: Application
    Filed: October 5, 2016
    Publication date: April 5, 2018
    Inventors: Garima AGGARWAL, Hisham Ibrahim SALAMA, Rakesh Thomas JETHWA, Paul Mon-Wah CHAN, John Jong Suk LEE, Dean C. N. TSERETOPOULOS, Amber Rose COSSITT
  • Patent number: 9928547
    Abstract: The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a communications device 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 receive a notification of a status of an account parameter. The operations may also include identifying a device eligible to access the notification in accordance with a user-specified data restriction, and identifying at least a portion of the notification that is consistent with the data restriction. The communications device provide the identified portion of the notification to the eligible device without receiving input from the user, and the eligible device may present at least one of a visual, audible, or tactile indicator of the status of the account parameter.
    Type: Grant
    Filed: January 5, 2015
    Date of Patent: March 27, 2018
    Assignee: The Toronto-Dominion Bank
    Inventors: Orin Del Vecchio, Nigel Lall, Paul Mon-Wah Chan, Jonathan K. Barnett, Garima Aggarwal
  • Patent number: 9916620
    Abstract: 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.
    Type: Grant
    Filed: January 2, 2015
    Date of Patent: March 13, 2018
    Assignee: The Toronto-Dominion Bank
    Inventors: Orin Del Vecchio, Nigel Lall, Paul Mon-Wah Chan, Jonathan K. Barnett, Garima Aggarwal
  • Publication number: 20170124541
    Abstract: The present disclosure involves systems, software, and computer-implemented methods for implementing a data transfer control based on information received from connected devices. In one instance, operations include loading an expected usage amount for a group of connected devices. Signals representing actual usage amounts associated with the group are received from at least device in the group. The actual usage amounts can be compared to the expected usage amount. An authorization of at least one payment-related action associated with the at least one group of connected devices is automatically transmitted to a payment system in response to determining that the usage amount is less than or equal to the expected amount, and at least one instruction to perform a corrective action associated with the group is automatically transmitted to at least one connected device of the group in response to determining that the actual amount exceeds the expected amount.
    Type: Application
    Filed: October 5, 2016
    Publication date: May 4, 2017
    Inventors: Garima Aggarwal, Jonathan K. Barnett, Roisin Lara Fritz, Robert Kyle Miller, Paul Mon-Wah Chan, John Jong-Suk Lee, Orin DelVecchio
  • Publication number: 20150193867
    Abstract: 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.
    Type: Application
    Filed: January 2, 2015
    Publication date: July 9, 2015
    Applicant: The Toronto-Dominion Bank
    Inventors: Orin DEL VECCHIO, Nigel Lall, Paul Mon-Wah Chan, Jonathan K. Barnett, Garima Aggarwal
  • Publication number: 20150193868
    Abstract: The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a device 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 obtaining information identifying an event and a deadline specified by a user. The obtained information may link the event and deadline to corresponding user-specified temporal intervals. The operations may also include determining whether a current date falls within a time period prior to the deadline, the time period being established by the first temporal interval. When the current date falls within the time period, the operations may generate first notification information that, when presented via a client device in accordance with a user-specified indicator type, notified the user that the current sate falls within the first time period.
    Type: Application
    Filed: January 5, 2015
    Publication date: July 9, 2015
    Applicant: The Toronto-Dominion Bank
    Inventors: Orin Del Vecchio, Nigel Lall, Paul Mon-Wah Chan, Jonathan K. Barnett, Garima Aggarwal
  • Publication number: 20150193869
    Abstract: The disclosed embodiments include methods and systems for providing account and event status notifications. The disclosed embodiments include, for example, a communications device 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 receive a notification of a status of an account parameter. The operations may also include identifying a device eligible to access the notification in accordance with a user-specified data restriction, and identifying at least a portion of the notification that is consistent with the data restriction. The communications device provide the identified portion of the notification to the eligible device without receiving input from the user, and the eligible device may present at least one of a visual, audible, or tactile indicator of the status of the account parameter.
    Type: Application
    Filed: January 5, 2015
    Publication date: July 9, 2015
    Applicant: The Toronto-Dominion Bank
    Inventors: Orin DEL VECCHIO, Nigel LALL, Paul Mon-Wah CHAN, Jonathan K. BARNETT, Garima AGGARWAL