Patents by Inventor Lauren Van Heerden
Lauren Van Heerden 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: 11676115Abstract: An authorization system includes a database, and at least one computer server in communication with the database. The database includes a plurality of database records, each including an account number and an associated card number. Each card number has fewer digits than the associated account number. The server is configured to receive, from a communications terminal, a request message that initiates a transaction with the server. The server is configured to request an authentication credential from the terminal, and in the database locate the card number that matches the received authentication credential and locate the account number that is associated with the located card number. The server is configured to request authorization of a test transaction using the account number, receive an authorization response confirming authorization of the test transaction, and authorize the initiated transaction in response to the authorization response. The test transaction is different from the initiated transaction.Type: GrantFiled: June 29, 2020Date of Patent: June 13, 2023Assignee: The Toronto-Dominion BankInventors: Hisham Salama, Lauren Van Heerden, Ian Sundberg, Anand Kannan, Orin Del Vecchio
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Patent number: 11663603Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.Type: GrantFiled: September 4, 2019Date of Patent: May 30, 2023Assignee: The Toronto-Dominion BankInventors: Salim Jivraj, Lauren Van Heerden, Michael D. Cummins, Prabaharan Sivashanmugan, Gerald Jeschke, Andrew Chak, Mike Stephenson, Paul Mon-Wah Chan, John Jong Suk Lee, Orin Del Vecchio
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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: 11301864Abstract: 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: November 13, 2019Date of Patent: April 12, 2022Assignee: The Toronto-Dominion BankInventors: Hisham I. Salama, Lauren Van Heerden
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Patent number: 11227275Abstract: A payment processing method involves a server receiving a payee identifier, and linking the payee identifier to a device identifier identifying a payee device. The server receives from a payor device a payment initiation request identifying a specified payment amount and a payor identifier, links a unique token to the specified payment amount and to the payor identifier, and provides the payor device with the token. The token excludes the payor identifier and particulars of the associated payor. The server receives a payment completion request including the payee identifier and the token, and excluding the payment amount, the payor identifier and payor particulars. The server uses the payee identifier to confirm that the payment completion request was signed with the device identifier, uses the payee identifier to locate a payee account, and uses the token to determine the specified payment amount and a payor account associated with the payor identifier.Type: GrantFiled: September 5, 2017Date of Patent: January 18, 2022Assignee: The Toronto-Dominion BankInventors: Lauren Van Heerden, Prabaharan Sivashanmugam, Dino D'Agostino, Michael D. Cummins, Orin Del Vecchio, Gunalan Nadarajah, Steven Robert Langham
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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: 10867293Abstract: The present disclosure involves systems, software, and computer implemented methods for sending payment requests to one or more persons or entities based on images in which the persons or entities appear. In one example, the process may include identifying an image associated with a payment request, the identified image containing at least one recipient associated with the payment request, and wherein the payment request includes a value, analyzing the identified image to identify the at least one potential recipient of the payment request, identifying contact information associated with the at least one identified recipient of the payment request, and sending the payment request to the at least one identified recipient of the payment request via a destination associated with the identified contact information.Type: GrantFiled: November 27, 2017Date of Patent: December 15, 2020Assignee: The Toronto-Dominion BankInventors: Lori Bristow, Paul Mon-Wah Chan, Jonathan K. Barnett, Orin DelVecchio, Lauren van Heerden
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Publication number: 20200327513Abstract: An authorization system includes a database, and at least one computer server in communication with the database. The database includes a plurality of database records, each including an account number and an associated card number. Each card number has fewer digits than the associated account number. The server is configured to receive, from a communications terminal, a request message that initiates a transaction with the server. The server is configured to request an authentication credential from the terminal, and in the database locate the card number that matches the received authentication credential and locate the account number that is associated with the located card number. The server is configured to request authorization of a test transaction using the account number, receive an authorization response confirming authorization of the test transaction, and authorize the initiated transaction in response to the authorization response. The test transaction is different from the initiated transaction.Type: ApplicationFiled: June 29, 2020Publication date: October 15, 2020Inventors: HISHAM SALAMA, Lauren VAN HEERDEN, Ian SUNDBERG, Anand KANNAN, Orin DEL VECCHIO
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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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Patent number: 10726400Abstract: A method of authorizing a transaction involves a computer server authenticating a payment cardholder from a cardholder credential, and receiving a request from a communications terminal to initiate an online transaction with the server. The server communicates with a database of clusters, each uniquely associated with a respective cardholder and identifying an authentication card and a partial payment card number. The server requests an authentication credential from the terminal in response to determining that the requested transaction possesses a high risk of fraud. The server receives the requested authentication credential, and uses the cardholder and authentication credentials to locate the authentication card uniquely associated with the cardholder and the authentication credential in the database. The authentication credential has fewer digits than the account number of the located authentication card.Type: GrantFiled: June 10, 2014Date of Patent: July 28, 2020Assignee: The Toronto-Dominion BankInventors: Hisham Salama, Lauren Van Heerden, Ian Sundberg, Anand Kannan, Orin Del Vecchio
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Patent number: 10671996Abstract: The disclosed embodiments include methods and systems for validating, funding, activating, and reloading one or more configurable multicards. The disclosed embodiments may include a method that may include obtaining user authentication information relating to a first user associated with an inactivated multicard that is configurable for use for purchases and is configured with a zero multicard account balance amount. The method may include obtaining multicard configuration information including a unique multicard identification information that identifies the inactivated multicard and a first multicard account balance amount for the inactivated multicard. The method may also include validating the inactivated multicard using the unique multicard identification information and associating the inactivated multicard with a multicard account having the first multicard account balance that is funded from a financial account associated with the first user.Type: GrantFiled: July 10, 2015Date of Patent: June 2, 2020Assignee: The Toronto-Dominion BankInventors: Michael D. Cummins, Lauren Van Heerden, Prabaharan Sivashanmugam, Orin Del Vecchio, Gunalan Nadarajah
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Publication number: 20200082403Abstract: 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: November 13, 2019Publication date: March 12, 2020Inventors: Hisham I. SALAMA, Lauren VAN HEERDEN
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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: 10540720Abstract: The disclosed embodiments include systems and methods for administering actual and virtual investment portfolios based on transaction data associated with one or more users. The disclosed embodiments may be configured to modify an investment risk tolerance of a user based on transaction data identifying one or more first products purchased by the user and one or more prior financial services transactions associated with the user. The disclosed embodiments may also be configured to identify one or more first securities based on a portion of the transaction data and the modified investment risk tolerance. In certain aspects, the identified first securities may be related to at least one of the purchased products.Type: GrantFiled: October 1, 2014Date of Patent: January 21, 2020Assignee: The Toronto-Dominion BankInventors: Michael E. Globe, Mazin Al-Samadi, Lauren Van Heerden, Gunalan Nadarajah, Orin Del Vecchio, Michael D. Cummins, Prabaharan Sivashanmugam
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Publication number: 20190392452Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.Type: ApplicationFiled: September 4, 2019Publication date: December 26, 2019Inventors: SALIM JIVRAJ, Lauren Van Heerden, Michael D. Cummins, Prabaharan Sivashanmugan, Gerald Jeschke, Andrew Chak, Mike Stephenson, Paul Mon-Wah Chan, John Jong Suk Lee, Orin Del Vecchio
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Patent number: 10515370Abstract: 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: September 16, 2014Date of Patent: December 24, 2019Assignee: The Toronto-Dominion BankInventors: Hisham I. Salama, Lauren Van Heerden
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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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Patent number: 10438206Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.Type: GrantFiled: May 27, 2015Date of Patent: October 8, 2019Assignee: The Toronto-Dominion BankInventors: Salim Jivraj, Lauren Van Heerden, Michael D. Cummins, Prabaharan Sivashanmugam, Gerald Jeschke, Andrew Chak, Mike Stephenson, Paul Mon-Wah Chan, John Jong Suk Lee, Orin Del Vecchio
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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