Patents by Inventor Jakub DANIELAK
Jakub DANIELAK 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: 11954690Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.Type: GrantFiled: January 18, 2019Date of Patent: April 9, 2024Assignee: The Toronto-Dominion BankInventors: Hisham I. Salama, Lauren Van Heerden, Orin Del Vecchio, Paul Mon-Wah Chan, Jonathan K. Barnett, Jakub Danielak
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Patent number: 11475450Abstract: The disclosed embodiments include methods and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction. The method may also include providing, by the one or more processors, the validation information to the authentication network.Type: GrantFiled: October 17, 2019Date of Patent: October 18, 2022Assignee: The Toronto-Dominion BankInventors: Prabaharan Sivashanmugam, Lauren Van Heerden, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Edward Lounsbury, Paul Mon-Wah Chan, Jonathan K. Barnett, Ashraf Metwalli, Jakub Danielak
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Patent number: 10896419Abstract: The disclosed embodiments include methods, systems, system terminals, and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction.Type: GrantFiled: September 24, 2018Date of Patent: January 19, 2021Assignee: The Toronto-Dominion BankInventors: Prabaharan Sivashanmugam, Lauren Van Heerden, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Edward Lounsbury, Paul Mon-Wah Chan, Jonathan K. Barnett, Ashraf Metwalli, Jakub Danielak
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Patent number: 10803516Abstract: A method and system for recommending a physical location at which to complete an electronic activity are disclosed. In some examples, the system identifies an incomplete portion of an electronic activity initiated at a first device, and identifies a plurality of candidate locations for completion of the electronic activity based on at least one characteristic of the incomplete portion. When a prior location of the first device is closer to a first one of the candidate locations than to a second one of the candidate locations, the system selects the first candidate location for the completion of the electronic activity and provides activity data characterizing the electronic activity to a second device disposed at the first candidate location.Type: GrantFiled: December 7, 2018Date of Patent: October 13, 2020Assignee: The Toronto-Dominion BankInventors: Jonathan K. Barnett, Lauren Van Heerden, Orin Del Vecchio, Gunalan Nadarajah, John Barbon, Paul Mon-Wah Chan, Jakub Danielak, Christianne Moretti, Matthew Hamilton
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Publication number: 20200051082Abstract: The disclosed embodiments include methods and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction. The method may also include providing, by the one or more processors, the validation information to the authentication network.Type: ApplicationFiled: October 17, 2019Publication date: February 13, 2020Inventors: PRABAHARAN SIVASHANMUGAM, Lauren Van Heerden, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Edward Lounsbury, Paul Mon-Wah Chan, Jonathan K. Barnett, Ashraf Metwalli, Jakub Danielak
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Patent number: 10496988Abstract: The disclosed embodiments include methods and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction. The method may also include providing, by the one or more processors, the validation information to the authentication network.Type: GrantFiled: June 23, 2015Date of Patent: December 3, 2019Assignee: The Toronto-Dominion BankInventors: Prabaharan Sivashanmugam, Lauren Van Heerden, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Edward Lounsbury, Paul Mon-Wah Chan, Jonathan K. Barnett, Ashraf Metwalli, Jakub Danielak
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Publication number: 20190156338Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.Type: ApplicationFiled: January 18, 2019Publication date: May 23, 2019Inventors: Hisham I. Salama, Lauren Van Heerden, Orin Del Vecchio, Paul Mon-Wah Chan, Jonathan K. Barnett, Jakub Danielak
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Publication number: 20190114703Abstract: A method and system for recommending a physical location at which to complete an electronic activity are disclosed. In some examples, initiation of the electronic activity by a user at a first physical location is detected, that the electronic activity is to be completed at a physical location different from the first physical location is determined, one or more portions of the electronic activity that remain incomplete are determined, a second physical location at which to complete the one or more incomplete portions of the electronic activity is identified, and information about the electronic activity is provided to the second physical location. In some examples, the identification of the second physical location is based on at least characteristics of the electronic activity, the user, and/or the second physical location.Type: ApplicationFiled: December 7, 2018Publication date: April 18, 2019Inventors: Jonathan K. Barnett, Lauren Van Heerden, Orin Del Vecchio, Gunalan Nadarajah, John Barbon, Paul Mon-Wah Chan, Jakub Danielak, Christianne Moretti, Matthew Hamilton
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Patent number: 10248953Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.Type: GrantFiled: October 9, 2014Date of Patent: April 2, 2019Assignee: The Toronto-Dominion BankInventors: Hisham I. Salama, Lauren Van Heerden, Orin Del Vecchio, Paul Mon-Wah Chan, Jonathan K. Barnett, Jakub Danielak
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Patent number: 10192263Abstract: A method and system for recommending a physical location at which to complete an electronic activity are disclosed. In some examples, initiation of the electronic activity by a user at a first physical location is detected, that the electronic activity is to be completed at a physical location different from the first physical location is determined, one or more portions of the electronic activity that remain incomplete are determined, a second physical location at which to complete the one or more incomplete portions of the electronic activity is identified, and information about the electronic activity is provided to the second physical location. In some examples, the identification of the second physical location is based on at least characteristics of the electronic activity, the user, and/or the second physical location.Type: GrantFiled: July 17, 2015Date of Patent: January 29, 2019Assignee: The Toronto-Dominion BankInventors: Jonathan K. Barnett, Lauren Van Heerden, Orin Del Vecchio, Gunalan Nadarajah, John Barbon, Paul Mon-Wah Chan, Jakub Danielak, Christianne Moretti, Matthew Hamilton
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Patent number: 10192264Abstract: A method and system for recommending a physical location at which to complete an electronic activity are disclosed. In some examples, initiation of the electronic activity by a user at a first physical location is detected, that the electronic activity is to be completed at a physical location different from the first physical location at least in part because completion of the electronic activity requires the user and one or more other parties is determined, one or more portions of the electronic activity that remain incomplete are determined, a second physical location at which to complete the one or more incomplete portions of the electronic activity is identified, and information about the electronic activity is provided to the one or more other parties.Type: GrantFiled: July 17, 2015Date of Patent: January 29, 2019Assignee: The Toronto-Dominion BankInventors: Jonathan K. Barnett, Lauren Van Heerden, Orin Del Vecchio, Gunalan Nadarajah, John Barbon, Paul Mon-Wah Chan, Jakub Danielak, Christianne Moretti, Matthew Hamilton
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Publication number: 20190026739Abstract: The disclosed embodiments include methods, systems, system terminals, and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction.Type: ApplicationFiled: September 24, 2018Publication date: January 24, 2019Inventors: Prabaharan Sivashanmugam, Lauren Van Heerden, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Edward Lounsbury, Paul Mon-Wah Chan, Jonathan K. Barnett, Ashraf Metwalli, Jakub Danielak
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Patent number: 10176461Abstract: The disclosed embodiments include methods and systems for providing a notification relating to a geographical boundary based on monitored sensor data collected by networked devices. The disclosed embodiments include, for example, a method that monitors positional sensor data received from one or more triggering devices. The method may calculate a first boundary extent delimiting the geographical area of the first boundary based on one or more boundary extent parameters. The method may also detect an occurrence of a triggering condition that impacts a movement of at least one of a client device or at least one of the triggering devices within a geographic region that includes the first location. In response to the detected triggering event, at least one of modified start time or a second location may be established for the event, which may be provided to the client and triggering devices in a notification.Type: GrantFiled: August 9, 2017Date of Patent: January 8, 2019Assignee: The Toronto-Dominion BankInventors: Orin Del Vecchio, Lauren Van Heerden, Gunalan Nadarajah, Jonathan K. Barnett, Ashraf Metwalli, Jakub Danielak, Michael Loughry, Daniel M. Siegel, Nikolas Sawtschuk, Sultan Mehrabi, Paul Mon-Wah Chan, Matthew Hamilton, Christianne Moretti, John Barbon, John Jong-Suk Lee, Sophia Dhrolia
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Patent number: 10089626Abstract: The disclosed embodiments include methods, systems, system terminals, and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction.Type: GrantFiled: June 23, 2015Date of Patent: October 2, 2018Assignee: The Toronto-Dominion BankInventors: Prabaharan Sivashanmugam, Lauren Van Heerden, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Edward Lounsbury, Paul Mon-Wah Chan, Jonathan K. Barnett, Ashraf Metwalli, Jakub Danielak
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Publication number: 20170372616Abstract: The disclosed embodiments include methods and systems for providing a notification relating to a geographical boundary based on monitored sensor data collected by networked devices. The disclosed embodiments include, for example, a method that monitors positional sensor data received from one or more triggering devices. The method may calculate a first boundary extent delimiting the geographical area of the first boundary based on one or more boundary extent parameters. The method may also detect an occurrence of a triggering condition that impacts a movement of at least one of a client device or at least one of the triggering devices within a geographic region that includes the first location. In response to the detected triggering event, at least one of modified start time or a second location may be established for the event, which may be provided to the client and triggering devices in a notification.Type: ApplicationFiled: August 9, 2017Publication date: December 28, 2017Inventors: Orin DEL VECCHIO, Lauren VAN HEERDEN, Gunalan NADARAJAH, Jonathan K. BARNETT, Ashraf METWALLI, Jakub DANIELAK, Michael LOUGHRY, Daniel M. SIEGEL, Nikolas SAWTSCHUK, Sultan MEHRABI, Paul Mon-Wah CHAN, Matthew HAMILTON, Christianne MORETTI, John BARBON
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Patent number: 9754492Abstract: The disclosed embodiments include methods and systems for providing a notification relating to a geographical boundary based on monitored sensor data collected by networked devices. The disclosed embodiments include, for example, a method that monitors positional sensor data received from one or more triggering devices. The method may calculate a first boundary extent delimiting the geographical area of the first boundary based on one or more boundary extent parameters. The method may also detect an occurrence of a triggering condition that impacts a movement of at least one of a client device or at least one of the triggering devices within a geographic region that includes the first location. In response to the detected triggering event, at least one of modified start time or a second location may be established for the event, which may be provided to the client and triggering devices in a notification.Type: GrantFiled: July 8, 2015Date of Patent: September 5, 2017Assignee: The Toronto-Dominion BankInventors: Orin Del Vecchio, Lauren Van Heerden, Gunalan Nadarajah, Jonathan K. Barnett, Ashraf Metwalli, Jakub Danielak, Michael Loughry, Daniel M. Siegel, Nikolas Sawtschuk, Sultan Mehrabi, Paul Mon-Wah Chan, Matthew Hamilton, Christianne Moretti, John Barbon
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Patent number: 9754491Abstract: The disclosed embodiments include methods and systems for providing a notification relating to a geographical boundary based on monitored sensor data collected by networked devices. The disclosed embodiments include, for example, a method for receiving, by one or more processors, a request to establish a first boundary around a first location. The method may also include monitoring, by the one or more processors, one or more triggering devices. The method may also include calculating, by the one or more processors, a first boundary extent delimiting the geographical area of the first boundary based on one or more boundary extent parameters. The method may also include detecting, by the one or more processors, whether at least one of the one or more triggering devices is located within the first boundary extent.Type: GrantFiled: July 8, 2015Date of Patent: September 5, 2017Assignee: The Toronto-Dominion BankInventors: Orin Del Vecchio, Lauren Van Heerden, Gunalan Nadarajah, Jonathan K. Barnett, Ashraf Metwalli, Jakub Danielak, Michael Loughry, Daniel M. Siegel, Nikolas Sawtschuk, Sultan Mehrabi, Paul Mon-Wah Chan, Matthew Hamilton, Christianne Moretti, John Barbon
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Publication number: 20160125543Abstract: The present disclosure involves systems including a life insurance platform and a user-directed platform. The life insurance platform maintains a life insurance policy associated with a cash value back by investment assets. A user-directed investment account platform maintained a user-directed investment account funded by a margin account based on the cash value of the life insurance policy. The system can determine a change in the value of the investment assets and can, in turn, modify the value of the margin account based on the change. The user-directed investment account platform can identify the modified value of the margin account and update the user-directed investment account based on the same. That platform can also provide an interface for providing information related to the user-directed investment account while also providing information related to the life insurance policy.Type: ApplicationFiled: October 30, 2014Publication date: May 5, 2016Inventors: Martin Joseph Marcel Dubeau, Jakub Danielak
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Publication number: 20160125547Abstract: The present disclosure involves systems including a life insurance platform and a user-directed investment platform. The life insurance platform maintains a life insurance policy associated with a cash value backed by investment assets. A user-directed investment account platform maintains a user-directed investment account funded by a margin account based on the cash value of the life insurance policy. The system can determine a change in the value of the investment assets and can, in turn, modify the value of the margin account based on the change. The user-directed investment account platform can identify the modified value of the margin account and update the user-directed investment account based on the same. That platform can also provide an interface for providing information related to the user-directed investment account while also providing information related to the life insurance policy.Type: ApplicationFiled: September 30, 2015Publication date: May 5, 2016Inventors: Martin Joseph Marcel Dubeau, Jakub Danielak
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Publication number: 20160028715Abstract: The disclosed embodiments include methods, systems, system terminals, and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction.Type: ApplicationFiled: June 23, 2015Publication date: January 28, 2016Inventors: Prabaharan SIVASHANMUGAM, Lauren VAN HEERDEN, Michael D. CUMMINS, Orin DEL VECCHIO, Gunalan NADARAJAH, Edward LOUNSBURY, Paul Mon-Wah CHAN, Jonathan K. BARNETT, Ashraf METWALLI, Jakub DANIELAK