Patents by Inventor Joe Moghaizel
Joe Moghaizel 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: 11955117Abstract: A system and method are provided for analyzing and reacting to interactions between entities using electronic communication channels. The method includes receiving, via the communications module, data captured from a conversational exchange between a first entity communicating with a second entity using an electronic communication channel. The method also includes analyzing the captured data to detect an indication that the first entity is or was distracted during the conversational exchange, is or was disinterested in a portion of the conversational exchange or missed the portion of the conversational exchange. The method also includes determining based on the indication an action to address the distraction during, disinterest in, or missing of, the portion of the conversational exchange; and providing, via the communications module, an automated message to at least one of the first entity and the second entity for executing the action.Type: GrantFiled: May 27, 2021Date of Patent: April 9, 2024Assignee: The Toronto-Dominion BankInventors: Bridget McDermid, Brian Bellwood, Natalie Thien Huong Cornwall, Jeffery David True, Ryan Wall, Stella Pui Kwan Chan, Venetia D'Souza, Christopher Michael Arthur Caravan, Pranavan Premathas, Sahifa Habib Qazi, Mah Noor Siddiqui, Joe Moghaizel, Jonathan K. Barnett
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Publication number: 20220383865Abstract: A system and method are provided for analyzing and reacting to interactions between entities using electronic communication channels. The method includes receiving, via the communications module, data captured from a conversational exchange between a first entity communicating with a second entity using an electronic communication channel. The method also includes analyzing the captured data to detect an indication that the first entity is or was distracted during the conversational exchange, is or was disinterested in a portion of the conversational exchange or missed the portion of the conversational exchange. The method also includes determining based on the indication an action to address the distraction during, disinterest in, or missing of, the portion of the conversational exchange; and providing, via the communications module, an automated message to at least one of the first entity and the second entity for executing the action.Type: ApplicationFiled: May 27, 2021Publication date: December 1, 2022Applicant: The Toronto-Dominion BankInventors: Bridget McDermid, Brian Bellwood, Natalie Thien Huong Cornwall, Jeffery David True, Ryan Wall, Stella Pui Kwan Chan, Venetia D'Souza, Christopher Michael Arthur Caravan, Pranavan Premathas, Sahifa Habib Qazi, Mah Noor Siddiqui, Joe Moghaizel, Jonathan K. Barnett
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Patent number: 11381519Abstract: Systems and methods for allocating resources. The system includes a communications module, a processor, and a memory. The memory stores a data record and instructions that, when executed, configure the processor to obtain a data record and transmit an existing score indication corresponding to the data record for display at the client device; receive a first time parameter and an action indicator associated with a shared resource and, in response, determine a first provisional score corresponding to the data record based on the existing score indication, the action indicator, and the first time parameter to provide a first provisional score indication; transmit the first provisional score indication and a selectable option associated with the action indicator for display at the client device while the first provisional score indication is displayed; and in response to receiving a resource transfer instruction, allocate the shared resource associated with the action indicator.Type: GrantFiled: November 20, 2020Date of Patent: July 5, 2022Assignee: The Toronto-Dominion BankInventors: Peter Horvath, Gregory Richard Harper, Richard Thomas, Tricia Elizabeth Allen, Joe Moghaizel, Aline da Rosa Alves, Lawrence Anthony Allen, Kimberly Elizabeth Lam, Min Shen, Melanie Judith Mendoza, Vanessa Li, Alexandra Antonucci, Audrey Madeleine Carr
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Patent number: 10970689Abstract: Methods and devices for controlling display of a user interface. A computing device configured to enable data exchanges in connection with accounts, including a credit account, determines whether a requested data exchange with the credit account will result in the credit account exceeding a utilization threshold. If not, a standard interface for completing the data exchange is displayed. If the data exchange will result in exceeding the threshold, then a modified interface is displayed. The modified interface enables completion of the data exchange within a minimum time period longer than the minimum time period within which the data exchange may be completed through the standard interface. Example modifications include adding an input element or field, adding delay to display or rendering of graphics, adding pop-ups, or removing pre-populated selections or values, among others.Type: GrantFiled: December 12, 2019Date of Patent: April 6, 2021Assignee: The Toronto-Dominion BankInventors: Joe Moghaizel, Tricia Elizabeth Allen, Paul Mon-Wah Chan, John Jong Suk Lee
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Publication number: 20210075741Abstract: Systems and methods for allocating resources. The system includes a communications module, a processor, and a memory. The memory stores a data record and instructions that, when executed, configure the processor to obtain a data record and transmit an existing score indication corresponding to the data record for display at the client device; receive a first time parameter and an action indicator associated with a shared resource and, in response, determine a first provisional score corresponding to the data record based on the existing score indication, the action indicator, and the first time parameter to provide a first provisional score indication; transmit the first provisional score indication and a selectable option associated with the action indicator for display at the client device while the first provisional score indication is displayed; and in response to receiving a resource transfer instruction, allocate the shared resource associated with the action indicator.Type: ApplicationFiled: November 20, 2020Publication date: March 11, 2021Applicant: The Toronto-Dominion BankInventors: Peter HORVATH, Gregory Richard HARPER, Richard THOMAS, Tricia Elizabeth ALLEN, Joe MOGHAIZEL, Aline da Rosa ALVES, Lawrence Anthony ALLEN, Kimberly Elizabeth LAM, Min SHEN, Melanie Judith MENDOZA, Vanessa LI, Alexandra ANTONUCCI, Audrey Madeleine CARR
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Patent number: 10873542Abstract: Systems and methods for allocating resources. The system includes a communications module, a processor, and a memory. The memory stores a data record and instructions that, when executed, configure the processor to obtain a data record and transmit an existing score indication corresponding to the data record for display at the client device; receive a first time parameter and an action indicator associated with a shared resource and, in response, determine a first provisional score corresponding to the data record based on the existing score indication, the action indicator, and the first time parameter to provide a first provisional score indication; transmit the first provisional score indication and a selectable option associated with the action indicator for display at the client device while the first provisional score indication is displayed; and in response to receiving a resource transfer instruction, allocate the shared resource associated with the action indicator.Type: GrantFiled: January 23, 2019Date of Patent: December 22, 2020Assignee: The Toronto-Dominion BankInventors: Peter Horvath, Gregory Richard Harper, Richard Thomas, Tricia Elizabeth Allen, Joe Moghaizel, Aline da Rosa Alves, Lawrence Anthony Allen, Kimberly Elizabeth Lam, Min Shen, Melanie Judith Mendoza, Vanessa Li, Alexandra Antonucci, Audrey Madeleine Carr
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Patent number: 10685397Abstract: The present disclosure involves systems and computer implemented methods for performing a failure analysis on a device monitored by at least one connected device, where in response to a determination of an impending failure, at least one corrective action is determined and suggested to the user of the monitored device. In one example, operations include monitoring operations of at least one monitored device using at least one connected device, determining a projected life span of the at least one monitored device based on the monitored operations, and, if the projected life span of the monitored device is less than a threshold amount, determining a corrective action to perform. A proposal can be generated for presentation based on the corrective action. The proposal may be based on the estimated cost of the determined corrective action and an analysis of an account.Type: GrantFiled: May 14, 2019Date of Patent: June 16, 2020Assignee: The Toronto-Dominion BankInventors: John Jong-Suk Lee, Paul Mon-Wah Chan, Jonathan K. Barnett, Roisin Lara Fritz, Michael Grouios, Joe Moghaizel
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Publication number: 20200118098Abstract: Methods and devices for controlling display of a user interface. A computing device configured to enable data exchanges in connection with accounts, including a credit account, determines whether a requested data exchange with the credit account will result in the credit account exceeding a utilization threshold. If not, a standard interface for completing the data exchange is displayed. If the data exchange will result in exceeding the threshold, then a modified interface is displayed. The modified interface enables completion of the data exchange within a minimum time period longer than the minimum time period within which the data exchange may be completed through the standard interface. Example modifications include adding an input element or field, adding delay to display or rendering of graphics, adding pop-ups, or removing pre-populated selections or values, among others.Type: ApplicationFiled: December 12, 2019Publication date: April 16, 2020Applicant: The Toronto-Dominion BankInventors: Joe Moghaizel, Tricia Elizabeth Allen, Paul Mon-Wah Chan, John Jong Suk Lee
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Patent number: 10600119Abstract: The disclosed embodiments include methods and systems for providing context-based event determination and/or context-based event triggered product and/or service offerings. A system may automatically detect that a client has experienced, directly or indirectly, a personal event, (e.g. a birth, a wedding engagement, a death, a car accident) and use such context to trigger the offering of a product and/or service. Product and/or service data is maintained for respective products and/or services available to clients as is events data associating respective products and/or services to particular personal event scenarios. An offering of at least one product and/or service to provide the client may be determined following the receipt of a personal event scenario experienced by the client. Operations may be performed to communicate to another computer system across a network to provide to the client the offering of the at least one product and/or service.Type: GrantFiled: October 5, 2016Date of Patent: March 24, 2020Assignee: The Toronto-Dominion BankInventors: Jonathan K. Barnett, Paul Mon-Wah Chan, Roisin Lara Fritz, John Jong Suk Lee, Michael Grouios, Joe Moghaizel, I
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Patent number: 10540642Abstract: Methods and devices for controlling display of a user interface. A computing device configured to enable data exchanges in connection with accounts, including a credit account, determines whether a requested data exchange with the credit account will result in the credit account exceeding a utilization threshold. If not, a standard interface for completing the data exchange is displayed. If the data exchange will result in exceeding the threshold, then a modified interface is displayed. The modified interface enables completion of the data exchange within a minimum time period longer than the minimum time period within which the data exchange may be completed through the standard interface. Example modifications include adding an input element or field, adding delay to display or rendering of graphics, adding pop-ups, or removing pre-populated selections or values, among others.Type: GrantFiled: October 4, 2016Date of Patent: January 21, 2020Assignee: The Toronto-Dominion BankInventors: Joe Moghaizel, Tricia Elizabeth Allen, Paul Mon-Wah Chan, John Jong Suk Lee
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Publication number: 20190306082Abstract: Systems and methods for allocating resources. The system includes a communications module, a processor, and a memory. The memory stores a data record and instructions that, when executed, configure the processor to obtain a data record and transmit an existing score indication corresponding to the data record for display at the client device; receive a first time parameter and an action indicator associated with a shared resource and, in response, determine a first provisional score corresponding to the data record based on the existing score indication, the action indicator, and the first time parameter to provide a first provisional score indication; transmit the first provisional score indication and a selectable option associated with the action indicator for display at the client device while the first provisional score indication is displayed; and in response to receiving a resource transfer instruction, allocate the shared resource associated with the action indicator.Type: ApplicationFiled: January 23, 2019Publication date: October 3, 2019Applicant: The Toronto-Dominion BankInventors: Peter HORVATH, Gregory Richard HARPER, Richard THOMAS, Tricia Elizabeth ALLEN, Joe MOGHAIZEL, Aline da Rosa ALVES, Lawrence Anthony ALLEN, Kimberly Elizabeth LAM, Min SHEN, Melanie Judith MENDOZA, Vanessa LI, Alexandra ANTONUCCI, Audrey Madeleine CARR
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Publication number: 20190266669Abstract: The present disclosure involves systems and computer implemented methods for performing a failure analysis on a device monitored by at least one connected device, where in response to a determination of an impending failure, at least one corrective action is determined and suggested to the user of the monitored device. In one example, operations include monitoring operations of at least one monitored device using at least one connected device, determining a projected life span of the at least one monitored device based on the monitored operations, and, if the projected life span of the monitored device is less than a threshold amount, determining a corrective action to perform. A proposal can be generated for presentation based on the corrective action. The proposal may be based on the estimated cost of the determined corrective action and an analysis of an account.Type: ApplicationFiled: May 14, 2019Publication date: August 29, 2019Inventors: John Jong-Suk Lee, Paul Mon-Wah Chan, Jonathan K. Barnett, Roisin Lara Fritz, Michael Grouios, Joe Moghaizel
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Patent number: 10339601Abstract: The present disclosure involves systems and computer implemented methods for performing a failure analysis on a device monitored by at least one connected device, where in response to a determination of an impending failure, at least one corrective action is determined and suggested to the user of the monitored device. In one example, operations include monitoring operations of at least one monitored device using at least one connected device, determining a projected life span of the at least one monitored device based on the monitored operations, and, if the projected life span of the monitored device is less than a threshold amount, determining a corrective action to perform. A proposal can be generated for presentation based on the corrective action. The proposal may be based on the estimated cost of the determined corrective action and an analysis of an account.Type: GrantFiled: August 30, 2016Date of Patent: July 2, 2019Assignee: The Toronto-Dominion BankInventors: John Jong-Suk Lee, Paul Mon-Wah Chan, Jonathan K. Barnett, Roisin Lara Fritz, Michael Grouios, Joe Moghaizel
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Patent number: 10325312Abstract: The present disclosure involves systems and computer implemented methods for performing a failure analysis on a device monitored by at least one connected device, where in response to a determination of an impending failure, at least one corrective action is determined and suggested to the user of the monitored device. In one example, operations include monitoring operations of at least one monitored device using at least one connected device, determining a projected life span of the at least one monitored device based on the monitored operations, and, if the projected life span of the monitored device is less than a threshold amount, determining a corrective action to perform. A proposal can be generated for presentation based on the corrective action. The proposal may be based on the estimated cost of the determined corrective action and an analysis of an account.Type: GrantFiled: September 21, 2016Date of Patent: June 18, 2019Assignee: The Toronto-Dominion BankInventors: John Jong-Suk Lee, Paul Mon-Wah Chan, Jonathan K. Barnett, Roisin Lara Fritz, Michael Grouios, Joe Moghaizel
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Publication number: 20180096335Abstract: The present disclosure involves systems and methods for automatically analyzing available data exchange terms based on an analysis and comparison of available terms, where some of the terms may be unavailable in the current data exchange context based on the user and counter party to the data exchange. One example system includes a memory and a processor. Operations performed by the processor can include receiving a data exchange request associated with a set of information and an identifier. A set of contextual information associated with the received request can be determined. Options associated with the identifier, each associated with a set of terms, can be loaded from a storage device. A subset of viable options can be determined from the options based on the set of information and the contextual information, and a particular option from the subset can be selected for use in executing the received data exchange request.Type: ApplicationFiled: October 5, 2016Publication date: April 5, 2018Inventors: Joe Moghaizel, Tricia Elizabeth Allen, Paul Mon-Wah Chan, John Jong-Suk Lee, Rakesh Thomas Jethwa
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Publication number: 20180096318Abstract: Methods and devices for controlling display of a user interface. A computing device configured to enable data exchanges in connection with accounts, including a credit account, determines whether a requested data exchange with the credit account will result in the credit account exceeding a utilization threshold. If not, a standard interface for completing the data exchange is displayed. If the data exchange will result in exceeding the threshold, then a modified interface is displayed. The modified interface enables completion of the data exchange within a minimum time period longer than the minimum time period within which the data exchange may be completed through the standard interface. Example modifications include adding an input element or field, adding delay to display or rendering of graphics, adding pop-ups, or removing pre-populated selections or values, among others.Type: ApplicationFiled: October 4, 2016Publication date: April 5, 2018Applicant: The Toronto-Dominion BankInventors: Joe Moghaizel, Tricia Elizabeth Allen, Paul Mon-Wah Chan, John Jong Suk Lee
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Publication number: 20170124626Abstract: The disclosed embodiments include methods and systems for providing context-based event determination and/or context-based event triggered product and/or service offerings. A system may automatically detect that a client has experienced, directly or indirectly, a personal event, (e.g. a birth, a wedding engagement, a death, a car accident) and use such context to trigger the offering of a product and/or service. Product and/or service data is maintained for respective products and/or services available to clients as is events data associating respective products and/or services to particular personal event scenarios. An offering of at least one product and/or service to provide the client may be determined following the receipt of a personal event scenario experienced by the client. Operations may be performed to communicate to another computer system across a network to provide to the client the offering of the at least one product and/or service.Type: ApplicationFiled: October 5, 2016Publication date: May 4, 2017Inventors: Jonathan K. Barnett, Paul Mon-Wah Chan, Roisin Lara Fritz, John Jong Suk Lee, Michael Grouios, Joe Moghaizel, I
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Publication number: 20170124642Abstract: The disclosed embodiments include methods and systems for providing context-based event determination and/or context-based event triggered financial product offerings. Scenario modeling data is maintained for a plurality of personal event scenarios. Personal event data representing a personal spike for a user of a client device is received from one or more computer systems over a network where the personal spike comprises an instance of personal event data that deviates from a baseline of personal event data determined for the user. Contextual data related to the personal event data is collected from one or more computers. Using the scenario modeling data, contextual data and the personal event data identifying the at least one personal spike, likely personal event scenarios consistent with the contextual data are identified. Methods and systems to establish a personal baseline from instances of personal event data are also described.Type: ApplicationFiled: October 5, 2016Publication date: May 4, 2017Inventors: Jonathan K. Barnett, Paul Mon-Wah CHAN, Roisin Lara FRITZ, John Jong Suk LEE, Michael GROUIOS, Joe MOGHAIZEL
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Publication number: 20170061351Abstract: The present disclosure involves systems and computer implemented methods for performing a failure analysis on a device monitored by at least one connected device, where in response to a determination of an impending failure, at least one corrective action is determined and suggested to the user of the monitored device. In one example, operations include monitoring operations of at least one monitored device using at least one connected device, determining a projected life span of the at least one monitored device based on the monitored operations, and, if the projected life span of the monitored device is less than a threshold amount, determining a corrective action to perform. A proposal can be generated for presentation based on the corrective action. The proposal may be based on the estimated cost of the determined corrective action and an analysis of an account.Type: ApplicationFiled: September 21, 2016Publication date: March 2, 2017Inventors: John Jong-Suk Lee, Paul Mon-Wah Chan, Jonathan K. Barnett, Roisin Lara Fritz, Michael Grouios, Joe Moghaizel
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Publication number: 20170060659Abstract: The present disclosure involves systems and computer implemented methods for performing a failure analysis on a device monitored by at least one connected device, where in response to a determination of an impending failure, at least one corrective action is determined and suggested to the user of the monitored device. In one example, operations include monitoring operations of at least one monitored device using at least one connected device, determining a projected life span of the at least one monitored device based on the monitored operations, and, if the projected life span of the monitored device is less than a threshold amount, determining a corrective action to perform. A proposal can be generated for presentation based on the corrective action. The proposal may be based on the estimated cost of the determined corrective action and an analysis of an account.Type: ApplicationFiled: August 30, 2016Publication date: March 2, 2017Inventors: John Jong-Suk Lee, Paul Mon-Wah Chan, Jonathan K. Barnett, Roisin Fritz, Michael Grouios, Joe Moghaizel