Patents by Inventor Gunalan Nadarajah
Gunalan Nadarajah 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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Publication number: 20150100443Abstract: Systems and methods are provided for identifying enhanced services for presentation to a user at a point-of-sale terminal. The disclosed embodiments include, for example, a system that may be configured to receive a request to authenticate a purchase transaction that identifies a financial service account and a point-of-sale terminal. The system may be configured to determine an issuer of the user's account and to obtain, from the issuer, information identifying one or more first services offered by the issuer.Type: ApplicationFiled: October 9, 2014Publication date: April 9, 2015Applicant: The Toronto-Dominion BankInventors: Lauren VAN HEERDEN, Gunalan NADARAJAH, Orin DEL VECCHIO, Michael D. CUMMINS, Prabaharan SIVASHANMUGAM
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Publication number: 20150100519Abstract: The disclosed embodiments include, for example, systems and methods for providing recommendations of one or more alternative products to a user based on investment portfolio data. In one aspect, the disclosed embodiments may include a system that is configured to obtain information associated with one or more products of interest to the user. In certain aspects, the obtained information may identify a product previously purchased by the user, one or more products that form a shopping list of the user, and/or a product identified by the user as a potential purchase. The system may be configured to identify one or more alternative products that are similar to the products of interest and that are related to one or more securities associated with an investment portfolio of the user.Type: ApplicationFiled: October 8, 2014Publication date: April 9, 2015Applicant: The Toronto-Dominion BankInventors: Michael E. GLOBE, Mazin AL-SAMADI, Lauren VAN HEERDEN, Gunalan NADARAJAH, Orin DEL VECCHIO, Michael D. CUMMINS, Prabaharan SIVASHANMUGAM
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Publication number: 20150100404Abstract: The disclosed embodiments include, for example, systems and methods for providing recommendations of one or more alternative products to a user based on investment portfolio data. In one aspect, the disclosed embodiments may include a system that is configured to obtain information associated with one or more products of interest to the user. In certain aspects, the obtained information may identify a product previously purchased by the user, one or more products that form a shopping list of the user, and/or a product identified by the user as a potential purchase. The system may be configured to identify one or more alternative products that are similar to the products of interest and that are related to one or more securities associated with an investment portfolio of the user. In one aspect, the system may be configured to generate one or more instructions to transmit information identifying the one or more alternatives product to a device of the user.Type: ApplicationFiled: October 9, 2014Publication date: April 9, 2015Applicant: The Toronto-Dominion BankInventors: Michael E. GLOBE, Mazin Al-SAMADI, Lauren VAN HEERDEN, Gunalan NADARAJAH, Orin DEL VECCHIO, Michael D. CUMMINS, Prabaharan SIVASHANMUGAM
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Publication number: 20150100442Abstract: Systems and methods are provided for identifying enhanced services for presentation to a user at a point-of-sale terminal. The disclosed embodiments include, for example, a system that may be configured to receive a request to authenticate a purchase transaction that identifies a financial service account and a point-of-sale terminal. The system may be configured to determine, based on the request, whether an issuer of the user's account corresponds to a provider associated with the point-of-sale terminal. The server may also be configured to identify one or more services available to the user, when the issuer corresponds to the provider, and provide information identifying the services to the point-of-sale terminal.Type: ApplicationFiled: October 9, 2014Publication date: April 9, 2015Applicant: The Toronto-Dominion BankInventors: Lauren VAN HEERDEN, Gunalan NADARAJAH, Orin DEL VECCHIO, Michael D. CUMMINS, Prabaharan SIVASHANMUGAM
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Publication number: 20150100456Abstract: The disclosed embodiments include, for example, systems and methods for providing recommendations of one or more alternative products to a user based on investment portfolio data. In one aspect, the disclosed embodiments may include a system that is configured to receive an identifier of a product prior to a purchase of the product by a user, and determine parameters associated with the product based on the received product identifier. In certain aspects the system may be configured to identify an alternative product associated with at least one of the product parameters and at least one of a plurality of securities associated with the investment portfolio of the user. The system may also be configured to perform a process that causes transmission of information identifying the alternative product for presentation on a device of the user.Type: ApplicationFiled: October 8, 2014Publication date: April 9, 2015Applicant: The Toronto-Dominion BankInventors: Michael E. GLOBE, Mazin Al-Samadi, Lauren Van Heerden, Gunalan Nadarajah, Orin Del Vecchio, Michael D. Cummins, Prabaharan Sivashanmugam
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Publication number: 20150095216Abstract: The disclosed embodiments include systems and methods for determining and providing notifications of negative events. The disclosed embodiments include, for example, a computer-implemented method for determining negative events. The method may include collecting, by one or more processors, prior financial transaction information associated with a user. The method may also include determining a transaction pattern associated with the user based on the collected financial transaction information. In another aspect, the method may include determining a negative event reflecting a deviation from the transaction pattern associated with the user, the deviation being a nonoccurrence of an expected financial transaction consistent with the transaction pattern. The method may also include providing a notification identifying the deviation.Type: ApplicationFiled: March 6, 2014Publication date: April 2, 2015Applicant: The Toronto-Dominion BankInventors: Lauren Van Heerden, Gunalan Nadarajah, Orin Del Vecchio, Michael D. Cummins, Prabaharan Sivashanmugam
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Publication number: 20150095206Abstract: Systems and methods are provided for identifying interrupted transactions and automatically completing interrupted transactions based on responses to transaction completion alerts. The disclosed embodiments may include a server that may obtain one or more first terms of a transaction from a customer. The server may be configured to identify an interruption in an execution of the transaction, and determine, in response to the identified interruption, whether the first transaction terms include a predetermined subset of second transaction terms used to execute the transaction. The server may also complete the execution of the interrupted transaction when the first transaction terms include at least the predetermined subset of the second transaction terms.Type: ApplicationFiled: March 6, 2014Publication date: April 2, 2015Applicant: The Toronto-Dominion BankInventors: Lauren VAN HEERDEN, Gunalan NADARAJAH, Orin DEL VECCHIO, Michael D. CUMMINS, Prabaharan SIVASHANMUGAM
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Publication number: 20150095132Abstract: The disclosed embodiments include systems and methods for administering actual and virtual investment portfolios based on social media activities associated with and information consumed by one or more users. The disclosed embodiments may be configured to obtain digital activity data identifying an interaction between the user and one or more social networks, and further, one or more elements of electronic content accessed by the user. The disclosed embodiments may also be configured to identify a loyalty program associated with the user, and a geographic region associated with the user. The disclosed embodiments may also be configured to identify one or more first securities based on the digital activity data, an investment risk tolerance of the user, and at least one or the loyalty program or the geographic region, and to transmit information identifying a first set of the one or more first securities to a user device.Type: ApplicationFiled: September 30, 2014Publication date: April 2, 2015Applicant: The Toronto-Dominion BankInventors: Lauren VAN HEERDEN, Michael E. GLOBE, Mazin AL-SAMADI, Gunalan NADARAJAH, Orin DEL VECCHIO, Michael D. CUMMINGS, Prabaharan SIVASHANMUGAM, Edward LOUNSBURY, Paul Mon-Wah CHAN, Jonathan K. BARNETT, Ashraf METWALI, Jakub DANIELAK
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Publication number: 20150095263Abstract: The disclosed embodiments include systems and methods for administering actual and virtual investment portfolios based on transaction data associated with one or more users. The disclosed embodiments may be configured to modify an investment risk tolerance of a user based on transaction data identifying one or more first products purchased by the user and one or more prior financial services transactions associated with the user. The disclosed embodiments may also be configured to identify one or more first securities based on a portion of the transaction data and the modified investment risk tolerance. In certain aspects, the identified first securities may be related to at least one of the purchased products.Type: ApplicationFiled: October 1, 2014Publication date: April 2, 2015Applicant: The Toronto-Dominion BankInventors: Michael E. GLOBE, Mazin AL-SAMADI, Lauren VAN HEERDEN, Gunalan NADARAJAH, Orin DEL VECCHIO, Michael D. CUMMINS, Prabaharan SIVASHANMUGAM
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Publication number: 20150095150Abstract: The disclosed embodiments include systems and methods for administering actual and virtual investment portfolios based on transaction data associated with one or more users. The disclosed embodiments may be configured to obtain first transaction data associated with a first user and identifying one or more first products purchased by the first user. The disclosed embodiments may also be configured to obtain program data identifying a first loyalty program associated with the first user, and geographic data specifying a geographic region associated with the first user. Additionally, the disclosed embodiments may be configured to identify one or more first securities based on the first transaction data and the obtained program and/or geographic data. The disclosed embodiments may also generate one or more first electronic instructions to transmit information identifying a first set of the one or more first securities to a device of the first user.Type: ApplicationFiled: September 30, 2014Publication date: April 2, 2015Applicant: The Toronto-Dominion BankInventors: Michael E. GLOBE, Mazin AL-SAMADI, Lauren VAN HEERDEN, Gunalan NADARAJAH, Orin DEL VECCHIO, Michael D. CUMMINS, Prabaharan SIVASHANMUGAM
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Publication number: 20150095261Abstract: The disclosed embodiments include systems and methods for administering actual and virtual investment portfolios based on transaction data associated with one or more users. The disclosed embodiments may be configured to modify an investment risk tolerance of a user based on transaction data identifying one or more first products purchased by the user and one or more prior financial services transactions associated with the user. The disclosed embodiments may also be configured to identify one or more first securities based on a portion of the transaction data and the modified investment risk tolerance. In certain aspects, the identified first securities may be related to at least one of the purchased products.Type: ApplicationFiled: September 30, 2014Publication date: April 2, 2015Applicant: The Toronto-Dominion BankInventors: Michael E. GLOBE, Mazin AL-SAMADI, Lauren VAN HEERDEN, Gunalan NADARAJAH, Orin DEL VECCHIO, Michael D. CUMMINS, Prabaharan SIVASHANMUGAM
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Publication number: 20140358786Abstract: The disclosed embodiments include systems and methods for issuing a virtual certified financial instrument. The disclosed embodiments may be configured to receive a financial instrument request for a virtual certified financial instrument, generate a payor token and a payee token, generate a reference token from the payor token and the payee token using an algorithm rendering it computationally infeasible for the reference token to be derived from only one of the payor token and the payee token, and uniquely associate the reference token with the virtual certified financial instrument. The disclosed embodiments may also be configured to receive, from the payor device or the payee device, a financial instrument redemption request that includes a composite token, and redeem the virtual financial instrument in accordance with a confirmation that the composite token matches the reference token.Type: ApplicationFiled: May 28, 2014Publication date: December 4, 2014Applicant: The Toronto-Dominion BankInventors: Lauren VAN HEERDEN, Michael D. Cummins, Prabaharan Sivashanmugam, Gunalan Nadarajah, Orin Del Vecchio
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Publication number: 20140337171Abstract: A system, method and computer program product that is capable of determining respective merchant behaviour scores and consumer behaviour scores. Merchant locations (e.g. point of purchase or other geographic or virtual locations), in association with which merchants and consumers conduct transactions, can be used to enhance behaviour scoring capabilities. A merchant location may be attributed a merchant behaviour score such as one determined in accordance with consumer behaviour/financial/risk metrics of consumers who conduct transactions with the location. A specific consumer may be attributed a consumer behaviour score determined in accordance with the respective merchant behaviour scores of locations with which the specific consumer conducts transactions.Type: ApplicationFiled: May 8, 2014Publication date: November 13, 2014Applicant: The Toronto-Dominion BankInventors: Prabaharan SIVASHANMUGAM, Lauren Van Heerden, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah
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Publication number: 20140337235Abstract: A method of person-to-person anonymous electronic payment processing may involve a payment processing server receiving from a payor payment device a payment initiation request for a payment from a payor account. The payment initiation request may identify a payment amount and excludes payee particulars and the payee account. The server may also receive from a payee payment device a payment completion request requesting completion of the payment. The payment completion request may include a payee identifier and exclude the payment amount, payor account and payor particulars. The server may confirm that the payment completion request is uniquely associated with the payee payment device and the payee identifier, and determine the payment amount and the payor account by correlating the payment completion request with the payment initiation request. In accordance with an outcome of the confirming, the payment processing server may effect a transfer in the payment amount from the payor account to the payee account.Type: ApplicationFiled: May 8, 2014Publication date: November 13, 2014Applicant: The Toronto-Dominion BankInventors: Lauren VAN HEERDEN, Prabaharan Sivashanmugam, Dino D'agostino, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Steven Robert Langham
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Publication number: 20140337225Abstract: A method of identifying potentially fraudulent electronic transactions at an electronic transaction device may involve the transaction device receiving a transaction request for an electronic transaction. The transaction request may include a biometric credential sample and an authentication credential. Upon locating in the transaction history (i) no entry corresponding to the biometric credential sample or (ii) an entry comprising the biometric credential sample in association with the authentication credential, the electronic transaction device may insert into the transaction history a new entry comprising the biometric credential sample in association with the authentication credential and initiates completion of the electronic transaction.Type: ApplicationFiled: May 8, 2014Publication date: November 13, 2014Applicant: The Toronto-Dominion BankInventors: Lauren VAN HEERDEN, Prabaharan Sivashanmugam, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Nino Di Teodoro
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Patent number: 8864024Abstract: A system, method and computer program product is capable of proactive assessment of transactions and communication of alerts based on pre-set rules to increase transaction integrity and mitigate fraud. Unauthorized transactions may be stopped before processing through an account to enhance the security of transactions and decrease fraudulent transactions without the account holder seeing a negative transaction in their account. Chip-enabled cards may be configured to alert account holders of transactions prior to being processed through an account based on pre-set rules stored on the chip or in a remote data store. The transaction can be stopped until the account holder authorizes the transaction based on the alert. The alert can be sent through the merchant system or wirelessly from the chip-enabled card.Type: GrantFiled: March 13, 2014Date of Patent: October 21, 2014Assignee: The Toronto-Dominion BankInventors: Michael D. Cummins, Prabaharan Sivashanmugam, Lauren Van Heerden, Gunalan Nadarajah, Orin Del Vecchio
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Patent number: 8690054Abstract: A system, method and computer program product is capable of proactive assessment of transactions and communication of alerts based on pre-set rules to increase transaction integrity and mitigate fraud. Unauthorized transactions may be stopped before processing through an account to enhance the security of transactions and decrease fraudulent transactions without the account holder seeing a negative transaction in their account. Chip-enabled cards may be configured to alert account holders of transactions prior to being processed through an account based on pre-set rules stored on the chip or in a remote data store. The transaction can be stopped until the account holder authorizes the transaction based on the alert. The alert can be sent through the merchant system or wirelessly from the chip-enabled card.Type: GrantFiled: October 31, 2013Date of Patent: April 8, 2014Assignee: The Toronto-Dominion BankInventors: Michael D. Cummins, Prabaharan Sivashanmugam, Lauren Van Heerden, Gunalan Nadarajah, Orin Del Vecchio