Patents by Inventor Jennifer Amaral

Jennifer Amaral 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).

  • Publication number: 20230368199
    Abstract: An authorization control network includes a limit profile database and at least one computer server. The server(s) receives an account identifier and a datum from a communications device, and associates the datum with the account identifier in a limit profile record of the limit profile database. The server(s) also receives the account identifier and a transaction limit, and associates the transaction limit with the account identifier in the limit profile record. The server(s) then receives from a POS device an authorization request that includes the account identifier and an authorization amount. If the server(s) confirms that the authorization amount does not exceed the transaction limit that is associated with the account identifier in the limit profile record and does not exceed an available credit limit that is associated with the account identifier, the server(s) transmits to the POS device an authorization response that confirms authorization of the authorization amount.
    Type: Application
    Filed: July 19, 2023
    Publication date: November 16, 2023
    Inventors: Rajeev Kumar GANDHI, Noemi COLMENAR-MIRANDA, Danielle PINNOCK, William Joseph McLELLAN, Richard Titus SZVATH, Liliya KAMINSKAYA, Jennifer AMARAL
  • Patent number: 11734684
    Abstract: An authorization control network includes at least one computer server. The server(s) receives a cardholder credential and a profile modification request from a communications device, and determines an account attribute by querying a profile database with an account identifier. The server(s) rejects the modification request if the server determines from the account attribute that a limit profile associated with the account identifier is linked to a cardholder credential other than the received cardholder credential. The server(s) then receives from a POS device an authorization request that includes the account identifier and an authorization value.
    Type: Grant
    Filed: August 12, 2021
    Date of Patent: August 22, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Rajeev Kumar Gandhi, Noemi Colmenar-Miranda, Danielle Pinnock, William Joseph McLellan, Richard Titus Szvath, Liliya Kaminskaya, Jennifer Amaral
  • Publication number: 20210374738
    Abstract: An authorization control network includes at least one computer server. The server(s) receives a cardholder credential and a profile modification request from a communications device, and determines an account attribute by querying a profile database with an account identifier. The server(s) rejects the modification request if the server determines from the account attribute that a limit profile associated with the account identifier is linked to a cardholder credential other than the received cardholder credential. The server(s) then receives from a POS device an authorization request that includes the account identifier and an authorization value.
    Type: Application
    Filed: August 12, 2021
    Publication date: December 2, 2021
    Inventors: Rajeev Kumar GANDHI, Noemi COLMENAR-MIRANDA, Danielle PINNOCK, William Joseph McLELLAN, Richard Titus SZVATH, Liliya KAMINSKAYA, Jennifer AMARAL
  • Patent number: 11120447
    Abstract: An authorization control network includes an attribute control server and an authorization server. The attribute control server is configured to receive from a communications device a credential and a modification request that includes an account identifier, determine a cardholder attribute from the credential, determine an account attribute associated with the account identifier in a card profile database, determine that the cardholder attribute matches the account attribute, and transmit the modification request to the authorization server.
    Type: Grant
    Filed: October 4, 2019
    Date of Patent: September 14, 2021
    Assignee: The Toronto-Dominion Bank
    Inventors: Rajeev Kumar Gandhi, Noemi Colmenar-Miranda, Danielle Marie Pinnock, William Joseph McLellan, Richard Titus Szvath, Liliya Kaminskaya, Jennifer Amaral
  • Publication number: 20210103931
    Abstract: An authorization control network includes an attribute control server and an authorization server. The attribute control server is configured to receive from a communications device a credential and a modification request that includes an account identifier, determine a cardholder attribute from the credential, determine an account attribute associated with the account identifier in a card profile database, determine that the cardholder attribute matches the account attribute, and transmit the modification request to the authorization server.
    Type: Application
    Filed: October 4, 2019
    Publication date: April 8, 2021
    Applicant: THE TORONTO-DOMINION BANK
    Inventors: Rajeev Kumar Gandhi, Noemi Colmenar-Miranda, Danielle Marie Pinnock, William Joseph McLellan, Richard Titus Szvath, Liliya Kaminskaya, Jennifer Amaral