Patents by Inventor Helene Nicole ESPOSITO
Helene Nicole ESPOSITO 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: 11632311Abstract: A provisioning server for automated provisioning and associated methods are disclosed. The provisioning server extracts data from a data transfer instruction for a data provider addition based on a matching data transfer instruction template, and parses the extracted data in accordance with the matching data transfer instruction template to identify an account identifier. Data transfer information for an identified data provider and an identified account identifier from a data provider database are determined. The data provider database comprises data provider information comprising data provider names for a plurality of data providers registered with the provisioning server. A data provider record is generated and stored in a data provider list of the account in an account database. The data provider record includes the identified data provider name, identified account identifier and the data transfer information.Type: GrantFiled: June 18, 2021Date of Patent: April 18, 2023Assignee: The Toronto-Dominion BankInventors: Robert Kyle Miller, Sonja Torbica, Helene Nicole Esposito
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Publication number: 20230047003Abstract: A computerized data transfer system allows data transfers to be initiated over a network between senders and recipients. Individual senders initiate data transfers over the network by selecting a recipient from a list at a sender device. The system includes a data store of sender specific recipients, a data transfer history data store of past transfers; and a master participant data store storing profiles of recipients for which transfers can be initiated. The system includes a computing device that for selected senders, retrieves entries of the data store of sender specific recipients, master participant data store and data transfer history data store; generates a predicted transfer profile for each recipient for the sender, based on past data transfers and the master participant data store to identify deviations therefrom; and updates the data store of sender specific recipients for the selected sender to update entries for recipients associated with identified deviations.Type: ApplicationFiled: November 1, 2022Publication date: February 16, 2023Applicant: The Toronto-Dominion BankInventors: Robert Kyle MILLER, Sonja TORBICA, Helene Nicole ESPOSITO, Harrison Michael James REILLY, Matta WAKIM, Kyryll ODOBETSKIY, Dexter Lamont FICHUK, Adam Douglas McPHEE, Omas ABDULLAH
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Patent number: 11521186Abstract: A computerized data transfer system allows data transfers to be initiated over a network between senders and recipients. Individual senders initiate data transfers over the network by selecting a recipient from a list at a sender device. The system includes a data store of sender specific recipients, a data transfer history data store of past transfers; and a master participant data store storing profiles of recipients for which transfers can be initiated. The system includes a computing device that for selected senders, retrieves entries of the data store of sender specific recipients, master participant data store and data transfer history data store; generates a predicted transfer profile for each recipient for the sender, based on past data transfers and the master participant data store to identify deviations therefrom; and updates the data store of sender specific recipients for the selected sender to update entries for recipients associated with identified deviations.Type: GrantFiled: August 21, 2018Date of Patent: December 6, 2022Assignee: The Toronto-Dominion BankInventors: Robert Kyle Miller, Sonja Torbica, Helene Nicole Esposito, Harrison Michael James Reilly, Matta Wakim, Kyryll Odobetskiy, Dexter Lamont Fichuk, Adam Douglas McPhee, Omas Abdullah
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Patent number: 11385768Abstract: The disclosed embodiments include computer-implemented devices and processes that generate, present, and manipulate data-aggregating graphical user interfaces. For example, a network-connected device may generate a first interface element representative of an obligation and may display, through a display unit, an graphical user interface that includes the first interface element and a plurality of second interface elements representative of time periods available for resolving the obligation. The network-connected device may receive, from an input unit, first input data indicative of a selection of the first interface element and second input data indicative of a movement of the selected first interface element from the first position to a second position within the interface.Type: GrantFiled: April 3, 2020Date of Patent: July 12, 2022Assignee: The Toronto-Dominion BankInventors: Helene Nicole Esposito, Paul Mon-Wah Chan, John Jong Suk Lee
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Publication number: 20210349948Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, automatically populate, in real-time, portions of digital interfaces based on dynamically generated contextual data. For example, a network-connected apparatus may receive, from a device, a portion of an identifier of a first counterparty to an exchange of data. The apparatus may perform operations determine a second counterparty to the data exchange based on at least one of a current geographic position of the first device, a first element of profile data associated with the first device, or the received portion of the first counterparty identifier, and may transmit an identifier of the second counterparty to the device. The device may execute an application program that presents the second counterparty identifier within a corresponding portion of an interface associated with the data exchange.Type: ApplicationFiled: July 22, 2021Publication date: November 11, 2021Inventors: Robert Kyle MILLER, Sonja Torbica, Helene Nicole Esposito, Harrison Michael James Reilly, Matta Wakim, Kyryll Odobetskiy, Dexter Lamont Fichuk, Adam Douglas McPhee, Omas Abdullah
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Publication number: 20210314241Abstract: A provisioning server for automated provisioning and associated methods are disclosed. The provisioning server extracts data from a data transfer instruction for a data provider addition based on a matching data transfer instruction template, and parses the extracted data in accordance with the matching data transfer instruction template to identify an account identifier. Data transfer information for an identified data provider and an identified account identifier from a data provider database are determined. The data provider database comprises data provider information comprising data provider names for a plurality of data providers registered with the provisioning server. A data provider record is generated and stored in a data provider list of the account in an account database. The data provider record includes the identified data provider name, identified account identifier and the data transfer information.Type: ApplicationFiled: June 18, 2021Publication date: October 7, 2021Applicant: The Toronto-Dominion BankInventors: Robert Kyle Miller, Sonja Torbica, Helene Nicole Esposito
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Patent number: 11100168Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, automatically populate, in real-time, portions of digital interfaces based on dynamically generated contextual data. For example, a network-connected apparatus may receive, from a device, a portion of an identifier of a first counterparty to an exchange of data. The apparatus may perform operations determine a second counterparty to the data exchange based on at least one of a current geographic position of the first device, a first element of profile data associated with the first device, or the received portion of the first counterparty identifier, and may transmit an identifier of the second counterparty to the device. The device may execute an application program that presents the second counterparty identifier within a corresponding portion of an interface associated with the data exchange.Type: GrantFiled: July 17, 2018Date of Patent: August 24, 2021Assignee: The Toronto-Dominion BankInventors: Robert Kyle Miller, Sonja Torbica, Helene Nicole Esposito, Harrison Michael James Reilly, Matta Wakim, Kyryll Odobetskiy, Dexter Lamont Fichuk, Adam Douglas McPhee, Omas Abdullah
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Patent number: 11070448Abstract: A provisioning server for automated provisioning and associated methods are disclosed. The provisioning server extracts data from a data transfer instruction for a data provider addition based on a matching data transfer instruction template, and parses the extracted data in accordance with the matching data transfer instruction template to identify an account identifier. Data transfer information for a second data transfer network for an identified data provider and an identified account identifier from a data provider database are determined. The data provider database comprises data provider information comprising data provider names for a plurality of data providers registered with the provisioning server. A data provider record is generated and stored in a data provider list of the account in an account database. The data provider record includes the identified data provider name, identified account identifier and the data transfer information.Type: GrantFiled: August 15, 2018Date of Patent: July 20, 2021Assignee: The Toronto-Dominion BankInventors: Robert Kyle Miller, Sonja Torbica, Helene Nicole Esposito
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Publication number: 20210133706Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that, among other things, automatically generate and populate digital interfaces based on adaptively processed image data captured by a network-connected device operating within a computing environment. For example, an apparatus may receive, from a device, a first signal that includes image data identifying a document associated with a data exchange capable of initiation by the device. The apparatus may detect, within a first portion of the image data, a presence of first textual content associated with a first parameter of the data exchange, extract a first value characterizing the first parameter from the first textual content, and generate and transmit a second signal that includes the first value to the device. The second signal includes information that instructs the device to display the first value within a portion of an interface corresponding to the first parameter.Type: ApplicationFiled: January 7, 2021Publication date: May 6, 2021Inventors: Robert Kyle Miller, Sonja Torbica, Helene Nicole Esposito, Harrison Michael James Reilly, Matta Wakim, Kyryll Odobetskiy, Dexter Lamont Fichuk, Adam Douglas Mcphee, Omas Abdullah, Patrick Jian Hong Hum
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Patent number: 10922665Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that, among other things, automatically generate and populate digital interfaces based on adaptively processed image data captured by a network-connected device operating within a computing environment. For example, an apparatus may receive, from a device, a first signal that includes image data identifying a document associated with a data exchange capable of initiation by the device. The apparatus may detect, within a first portion of the image data, a presence of first textual content associated with a first parameter of the data exchange, extract a first value characterizing the first parameter from the first textual content, and generate and transmit a second signal that includes the first value to the device. The second signal includes information that instructs the device to display the first value within a portion of an interface corresponding to the first parameter.Type: GrantFiled: June 27, 2018Date of Patent: February 16, 2021Assignee: The Toronto-Dominion BankInventors: Robert Kyle Miller, Sonja Torbica, Helene Nicole Esposito, Harrison Michael James Reilly, Matta Wakim, Kyryll Odobetskiy, Dexter Lamont Fichuk, Adam Douglas McPhee, Omas Abdullah, Patrick Jian Hong Hum
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Publication number: 20200233544Abstract: The disclosed embodiments include computer-implemented devices and processes that generate, present, and manipulate data-aggregating graphical user interfaces. For example, a network-connected device may generate a first interface element representative of an obligation and may display, through a display unit, an graphical user interface that includes the first interface element and a plurality of second interface elements representative of time periods available for resolving the obligation. The network-connected device may receive, from an input unit, first input data indicative of a selection of the first interface element and second input data indicative of a movement of the selected first interface element from the first position to a second position within the interface.Type: ApplicationFiled: April 3, 2020Publication date: July 23, 2020Inventors: Helene Nicole Esposito, Paul Mon-Wah Chan, John Jong Suk Lee
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Patent number: 10656792Abstract: The disclosed embodiments include computer-implemented devices and processes that generate, present, and manipulate data-aggregating graphical user interfaces. For example, a network-connected device may generate a first interface element representative of an obligation and may display, through a display unit, an graphical user interface that includes the first interface element and a plurality of second interface elements representative of time periods available for resolving the obligation. The network-connected device may receive, from an input unit, first input data indicative of a selection of the first interface element and second input data indicative of a movement of the selected first interface element from the first position to a second position within the interface.Type: GrantFiled: November 11, 2016Date of Patent: May 19, 2020Assignee: The Toronto-Dominion BankInventors: Helene Nicole Esposito, Paul Mon-Wah Chan, John Jong Suk Lee
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Publication number: 20200065782Abstract: A computerized data transfer system allows data transfers to be initiated over a network between senders and recipients. Individual senders initiate data transfers over the network by selecting a recipient from a list at a sender device. The system includes a data store of sender specific recipients, a data transfer history data store of past transfers; and a master participant data store storing profiles of recipients for which transfers can be initiated. The system includes a computing device that for selected senders, retrieves entries of the data store of sender specific recipients, master participant data store and data transfer history data store; generates a predicted transfer profile for each recipient for the sender, based on past data transfers and the master participant data store to identify deviations therefrom; and updates the data store of sender specific recipients for the selected sender to update entries for recipients associated with identified deviations.Type: ApplicationFiled: August 21, 2018Publication date: February 27, 2020Inventors: ROBERT KYLE MILLER, SONJA TORBICA, HELENE NICOLE ESPOSITO, HARRISON MICHAEL JAMES REILLY, MATTA WAKIM, KYRYLL ODOBETSKIY, DEXTER LAMONT FICHUK, ADAM DOUGLAS McPHEE, OMAS ABDULLAH
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Publication number: 20200059419Abstract: A provisioning server for automated provisioning and associated methods are disclosed. The provisioning server extracts data from a data transfer instruction for a data provider addition based on a matching data transfer instruction template, and parses the extracted data in accordance with the matching data transfer instruction template to identify an account identifier. Data transfer information for a second data transfer network for an identified data provider and an identified account identifier from a data provider database are determined. The data provider database comprises data provider information comprising data provider names for a plurality of data providers registered with the provisioning server. A data provider record is generated and stored in a data provider list of the account in an account database. The data provider record includes the identified data provider name, identified account identifier and the data transfer information.Type: ApplicationFiled: August 15, 2018Publication date: February 20, 2020Applicant: The Toronto-Dominion BankInventors: Robert Kyle Miller, Sonja Torbica, Helene Nicole Esposito
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Publication number: 20200026778Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, automatically populate, in real-time, portions of digital interfaces based on dynamically generated contextual data. For example, a network-connected apparatus may receive, from a device, a portion of an identifier of a first counterparty to an exchange of data. The apparatus may perform operations determine a second counterparty to the data exchange based on at least one of a current geographic position of the first device, a first element of profile data associated with the first device, or the received portion of the first counterparty identifier, and may transmit an identifier of the second counterparty to the device. The device may execute an application program that presents the second counterparty identifier within a corresponding portion of an interface associated with the data exchange.Type: ApplicationFiled: July 17, 2018Publication date: January 23, 2020Inventors: Robert Kyle MILLER, Sonja TORBICA, Helene Nicole ESPOSITO, Harrison Michael James REILLY, Matta WAKIM, Kyryll ODOBETSKIY, Dexter Lamont FICHUK, Adam Douglas MCPHEE, Omas ABDULLAH
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Publication number: 20200005258Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that, among other things, automatically generate and populate digital interfaces based on adaptively processed image data captured by a network-connected device operating within a computing environment. For example, an apparatus may receive, from a device, a first signal that includes image data identifying a document associated with a data exchange capable of initiation by the device. The apparatus may detect, within a first portion of the image data, a presence of first textual content associated with a first parameter of the data exchange, extract a first value characterizing the first parameter from the first textual content, and generate and transmit a second signal that includes the first value to the device. The second signal includes information that instructs the device to display the first value within a portion of an interface corresponding to the first parameter.Type: ApplicationFiled: June 27, 2018Publication date: January 2, 2020Inventors: Robert Kyle MILLER, Sonja Torbica, Helene Nicole Esposito, Harrison Michael James Reilly, Matta Wakim, Kyryll Odobetskiy, Dexter Lamont Fichuk, Adam Douglas Mcphee, Omas Abdullah, Patrick Jian Hong Hum
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Publication number: 20180136792Abstract: The disclosed embodiments include computer-implemented devices and processes that generate, present, and manipulate data-aggregating graphical user interfaces. For example, a network-connected device may generate a first interface element representative of an obligation and may display, through a display unit, an graphical user interface that includes the first interface element and a plurality of second interface elements representative of time periods available for resolving the obligation. The network-connected device may receive, from an input unit, first input data indicative of a selection of the first interface element and second input data indicative of a movement of the selected first interface element from the first position to a second position within the interface.Type: ApplicationFiled: November 11, 2016Publication date: May 17, 2018Inventors: Helene Nicole ESPOSITO, Paul Mon-Wah CHAN, John Jong Suk LEE