Patents by Inventor Kareem EL-ONSI

Kareem EL-ONSI 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: 20230291571
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, apparatuses, and processes that dynamically implement and manage consent and permissioning protocols using container-based applications. By way of example, a device may receive, through a programmatic interface, a first request for an element of data generated by an executed application program. When the first request is consistent with consent data associated the executed application program, the device may obtain the requested data element and a digital signature applied to the requested data element by a computing system. Based on a verification of the applied digital signature, the device may generate and present a representation of the requested data element within a digital interface, along with an interface element that confirms the verification of the digital signature.
    Type: Application
    Filed: May 11, 2023
    Publication date: September 14, 2023
    Inventors: Milos DUNJIC, Arthur Carroll CHOW, David Samuel TAX, Armon ROUHANI, Keith Sanjay AJMANI, Gregory Albert KLIEWER, Anthony Haituyen NGUYEN, Martin Albert LOZON, Kareem EL-ONSI, Ashkan ALAVI-HARATI, Arun Victor JAGGA
  • Publication number: 20230275846
    Abstract: A computer-implemented is disclosed. The method includes: allocating a first quantity of resources associated with one or more database records of an entity to a first device operation of a computing device associated with the entity; detecting a trigger condition associated with the first device operation for generating offers for lending resources to the entity in connection with the first device operation; in response to detecting the trigger condition: determining a second quantity of resources associated with the one or more database records for allocating to the first device operation based on a difference between a threshold quantity of resources associated with performing the first device operation and a total quantity of resources associated with the one or more database records previously allocated to the first device operation; and transmitting, to the computing device, a message representing an offer for lending the second quantity of resources.
    Type: Application
    Filed: February 16, 2023
    Publication date: August 31, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: Kareem EL-ONSI, Garima AGGARWAL, Raymond Alan YOUNG
  • Patent number: 11689370
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, apparatuses, and processes that dynamically implement and manage consent and permissioning protocols using container-based applications. By way of example, a device may receive, through a programmatic interface, a first request for an element of data generated by an executed application program. When the first request is consistent with consent data associated the executed application program, the device may obtain the requested data element and a digital signature applied to the requested data element by a computing system. Based on a verification of the applied digital signature, the device may generate and present a representation of the requested data element within a digital interface, along with an interface element that confirms the verification of the digital signature.
    Type: Grant
    Filed: June 4, 2019
    Date of Patent: June 27, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, Arthur Carroll Chow, David Samuel Tax, Armon Rouhani, Keith Sanjay Ajmani, Gregory Albert Kliewer, Anthony Haituyen Nguyen, Martin Albert Lozon, Kareem El-Onsi, Ashkan Alavi-Harati, Arun Victor Jagga
  • Patent number: 11611516
    Abstract: A computer-implemented for allocating resources is disclosed. The method includes: receiving, from a client device associated with an entity, input including a selection of a first operation; obtaining a threshold quantity of resources associated with the first operation; allocating a first quantity of resources associated with the entity to the first operation; detecting a trigger condition for obtaining resources associated with the first operation; and in response to detecting the trigger condition for obtaining resources associated with the first operation: determining a second quantity of resources associated with the entity for allocation to the first operation based on a difference between the threshold quantity of resources associated with the first operation and the first quantity of resources; and transmitting, to the client device, a signal representing a message indicating the second quantity of resources.
    Type: Grant
    Filed: July 9, 2019
    Date of Patent: March 21, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Kareem El-Onsi, Garima Aggarwal, Raymond Alan Young
  • Publication number: 20220360446
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically implement and manage hash-based consent and permissioning protocols. By way of example, an apparatus may obtain consent data that identifies one or more elements of data accessible to an application program executed by a device. The apparatus may generate a consent document for the application program based on at least a portion of the consent data, and may compute a consent hash value representative of the consent document. The apparatus may also generate and transmit permissioning data that includes at least the consent hash value to the device. The permissioning data may, for example, include information that instructs the executed application program to store the consent hash value within a local memory of the device and to associate the consent hash value with an access token of the executed application program.
    Type: Application
    Filed: June 29, 2022
    Publication date: November 10, 2022
    Inventors: Milos DUNJIC, Arthur Carroll CHOW, David Samuel TAX, Armon ROUHANI, Keith Sanjay AJMANI, Gregory Albert KLIEWER, Anthony Haituyen NGUYEN, Martin Albert LOZON, Kareem EL-ONSI, Ashkan ALAVI-HARATI, Arun Victor JAGGA
  • Publication number: 20220263814
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically manage consent, permissioning, and trust between computing systems and unrelated, third-party applications operating within a computing environment. By way of example, the apparatus may receive a request for an element of data that includes an access token and first credential data associated with an application program. When the first credential data corresponds to second credential data associated with the application program, may determine that the requested data element is accessible to the application program and perform operations that validate the access token. Further, and based on the validation of the access token, that apparatus may obtain and encrypt the requested data element, and may transmit the encrypted data element to a device via the communications interface.
    Type: Application
    Filed: May 6, 2022
    Publication date: August 18, 2022
    Inventors: Milos DUNJIC, Arthur Carroll CHOW, David Samuel TAX, Armon ROUHANI, Keith Sanjay AJMANI, Gregory Albert KLIEWER, Anthony Haituyen NGUYEN, Martin Albert LOZON, Kareem EL-ONSI, Ashkan ALAVI-HARATI, Arun Victor JAGGA
  • Patent number: 11405207
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically implement and manage hash-based consent and permissioning protocols. By way of example, an apparatus may obtain consent data that identifies one or more elements of data accessible to an application program executed by a device. The apparatus may generate a consent document for the application program based on at least a portion of the consent data, and may compute a consent hash value representative of the consent document. The apparatus may also generate and transmit permissioning data that includes at least the consent hash value to the device. The permissioning data may, for example, include information that instructs the executed application program to store the consent hash value within a local memory of the device and to associate the consent hash value with an access token of the executed application program.
    Type: Grant
    Filed: July 31, 2019
    Date of Patent: August 2, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, Arthur Carroll Chow, David Samuel Tax, Armon Rouhani, Keith Sanjay Ajmani, Gregory Albert Kliewer, Anthony Haituyen Nguyen, Martin Albert Lozon, Kareem El-Onsi, Ashkan Alavi-Harati, Arun Victor Jagga
  • Patent number: 11368444
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically manage consent, permissioning, and trust between computing systems and unrelated, third-party applications operating within a computing environment. By way of example, the apparatus may receive a request for an element of data that includes an access token and first credential data associated with an application program. When the first credential data corresponds to second credential data associated with the application program, may determine that the requested data element is accessible to the application program and perform operations that validate the access token. Further, and based on the validation of the access token, that apparatus may obtain and encrypt the requested data element, and may transmit the encrypted data element to a device via the communications interface.
    Type: Grant
    Filed: September 5, 2019
    Date of Patent: June 21, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, Arthur Carroll Chow, David Samuel Tax, Armon Rouhani, Keith Sanjay Ajmani, Gregory Albert Kliewer, Anthony Haituyen Nguyen, Martin Albert Lozon, Kareem El-Onsi, Ashkan Alavi-Harati, Arun Victor Jagga
  • Publication number: 20220191212
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically manage consent, permissioning, and trust between computing systems that maintain confidential data and unrelated third-party applications. By way of example, an apparatus may obtain interaction data that identifies an interaction between an application program executed at a first computing system and a programmatic interface of a second computing system. Based on the interaction data, the apparatus may generate outcome data characterizing a probability that the requested access to the data element is inconsistent with an access permission granted to the executed application program, and may modify the access permission in accordance with the outcome data. The apparatus may also perform that generate permissioning data indicative of the modified access permission and that store the permissioning data within a locally accessible or cloud-based repository.
    Type: Application
    Filed: March 7, 2022
    Publication date: June 16, 2022
    Inventors: Milos Dunjic, Arthur Carroll Chow, David Samuel Tax, Armon Rouhani, Keith Sanjay Ajmani, Gregory Albert Kliewer, Anthony Haituyen Nguyen, Martin Albert Lozon, Kareem El-Onsi, Ashkan Alavi-Harati, Arun Victor Jagga
  • Patent number: 11303642
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically manage consent, permissioning, and trust between computing systems that maintain confidential data and unrelated third-party applications. By way of example, an apparatus may obtain interaction data that identifies an interaction between an application program executed at a first computing system and a programmatic interface of a second computing system. Based on the interaction data, the apparatus may generate outcome data characterizing a probability that the requested access to the data element is inconsistent with an access permission granted to the executed application program, and may modify the access permission in accordance with the outcome data. The apparatus may also perform that generate permissioning data indicative of the modified access permission and that store the permissioning data within a locally accessible or cloud-based repository.
    Type: Grant
    Filed: June 3, 2019
    Date of Patent: April 12, 2022
    Assignee: The Toronto-Dominion Bank
    Inventors: Milos Dunjic, Arthur Carroll Chow, David Samuel Tax, Armon Rouhani, Keith Sanjay Ajmani, Gregory Albert Kliewer, Anthony Haituyen Nguyen, Martin Albert Lozon, Kareem El-Onsi, Ashkan Alavi-Harati, Arun Victor Jagga
  • Publication number: 20210075791
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically manage consent, permissioning, and trust between computing systems and unrelated, third-party applications operating within a computing environment. By way of example, the apparatus may receive a request for an element of data that includes an access token and first credential data associated with an application program. When the first credential data corresponds to second credential data associated with the application program, may determine that the requested data element is accessible to the application program and perform operations that validate the access token. Further, and based on the validation of the access token, that apparatus may obtain and encrypt the requested data element, and may transmit the encrypted data element to a device via the communications interface.
    Type: Application
    Filed: September 5, 2019
    Publication date: March 11, 2021
    Inventors: MILOS DUNJIC, Arthur Carroll Chow, David Samuel Tax, Armon Rouhani, Keith Sanjay Ajmani, Gregory Albert Kliewer, Anthony Haituyen Nguyen, Martin Albert Lozon, Kareem El-Onsi, Ashkan Alavi-Harati, Arun Victor Jagga
  • Publication number: 20210036854
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically implement and manage hash-based consent and permissioning protocols. By way of example, an apparatus may obtain consent data that identifies one or more elements of data accessible to an application program executed by a device. The apparatus may generate a consent document for the application program based on at least a portion of the consent data, and may compute a consent hash value representative of the consent document. The apparatus may also generate and transmit permissioning data that includes at least the consent hash value to the device. The permissioning data may, for example, include information that instructs the executed application program to store the consent hash value within a local memory of the device and to associate the consent hash value with an access token of the executed application program.
    Type: Application
    Filed: July 31, 2019
    Publication date: February 4, 2021
    Inventors: Milos DUNJIC, Arthur Carroll CHOW, David Samuel TAX, Armon ROUHANI, Keith Sanjay AJMANI, Gregory Albert KLIEWER, Anthony Haituyen NGUYEN, Martin Albert LOZON, Kareem EL-ONSI, Ashkan ALAVI-HARATl, Arun Victor JAGGA
  • Publication number: 20210014173
    Abstract: A computer-implemented for allocating resources is disclosed. The method includes: receiving, from a client device associated with an entity, input including a selection of a first operation; obtaining a threshold quantity of resources associated with the first operation; allocating a first quantity of resources associated with the entity to the first operation; detecting a trigger condition for obtaining resources associated with the first operation; and in response to detecting the trigger condition for obtaining resources associated with the first operation: determining a second quantity of resources associated with the entity for allocation to the first operation based on a difference between the threshold quantity of resources associated with the first operation and the first quantity of resources; and transmitting, to the client device, a signal representing a message indicating the second quantity of resources.
    Type: Application
    Filed: July 9, 2019
    Publication date: January 14, 2021
    Applicant: The Toronto-Dominion Bank
    Inventors: Kareem EL-ONSI, Garima AGGARWAL, Raymond Alan YOUNG
  • Publication number: 20200389317
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, apparatuses, and processes that dynamically implement and manage consent and permissioning protocols using container-based applications. By way of example, a device may receive, through a programmatic interface, a first request for an element of data generated by an executed application program. When the first request is consistent with consent data associated the executed application program, the device may obtain the requested data element and a digital signature applied to the requested data element by a computing system. Based on a verification of the applied digital signature, the device may generate and present a representation of the requested data element within a digital interface, along with an interface element that confirms the verification of the digital signature.
    Type: Application
    Filed: June 4, 2019
    Publication date: December 10, 2020
    Inventors: Milos Dunjic, Arthur Carroll Chow, David Samuel Tax, Armon Rouhani, Keith Sanjay Ajmani, Gregory Albert Kliewer, Anthony Haituyen Nguyen, Martin Albert Lozon, Kareem El-Onsi, Ashkan Alavi-Harati, Arun Victor Jagga
  • Publication number: 20200382510
    Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically manage consent, permissioning, and trust between computing systems that maintain confidential data and unrelated third-party applications. By way of example, an apparatus may obtain interaction data that identifies an interaction between an application program executed at a first computing system and a programmatic interface of a second computing system. Based on the interaction data, the apparatus may generate outcome data characterizing a probability that the requested access to the data element is inconsistent with an access permission granted to the executed application program, and may modify the access permission in accordance with the outcome data. The apparatus may also perform that generate permissioning data indicative of the modified access permission and that store the permissioning data within a locally accessible or cloud-based repository.
    Type: Application
    Filed: June 3, 2019
    Publication date: December 3, 2020
    Inventors: Milos DUNJIC, Arthur Carroll CHOW, David Samuel TAX, Armon ROUHANI, Keith Sanjay AJMANI, Gregory Albert KLIEWER, Anthony Haituyen NGUYEN, Martin Albert LOZON, Kareem EL-ONSI, Ashkan ALAVI-HARATI, Arun Victor JAGGA