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: 10296972Abstract: The disclosed embodiments include methods and systems for providing account status notifications. The disclosed embodiments include, for example, a device for providing account status notifications including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receiving account status notification information for a first account associated with a user. The account status notification information may be generated based on one or more notification rules and account information associated with the first account. The operations may also include generating, based on the received account status notification information, a first account status indicator that provides a status of a first account parameter associated with the first account that is presented via a device component without a user request to receive the status of the first account parameter.Type: GrantFiled: December 29, 2014Date of Patent: May 21, 2019Assignee: The Toronto-Dominion BankInventors: Lauren Van Heerden, Lawrence Wong, Tim Thompson, Mike Stephenson, Nigel Lall, Orin Del Vecchio, Gunalan Nadarajah
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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: 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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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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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: 20180082278Abstract: 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: ApplicationFiled: November 27, 2017Publication date: March 22, 2018Applicant: THE TORONTO-DOMINION BANKInventors: Lori Bristow, Paul Mon-Wah Chan, Jonathan K. Barnett, Orin DelVecchio, Lauren van Heerden
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Patent number: 9864982Abstract: 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: October 31, 2014Date of Patent: January 9, 2018Assignee: The Toronto-Dominion BankInventors: Lori Bristow, Paul Mon-Wah Chan, Jonathan K. Barnett, Orin DelVecchio, Lauren van Heerden
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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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Publication number: 20170364895Abstract: 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: ApplicationFiled: September 5, 2017Publication date: December 21, 2017Inventors: 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: 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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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: 9652798Abstract: The disclosed embodiments include, for example, systems and methods for providing recommendations of one or more alternative products to a user based on investment portfolio data. In one aspect, the disclosed embodiments may include a system that is configured to obtain information associated with one or more products of interest to the user. In certain aspects, the obtained information may identify a product previously purchased by the user, one or more products that form a shopping list of the user, and/or a product identified by the user as a potential purchase. The system may be configured to identify one or more alternative products that are similar to the products of interest and that are related to one or more securities associated with an investment portfolio of the user. In one aspect, the system may be configured to generate one or more instructions to transmit information identifying the one or more alternatives product to a device of the user.Type: GrantFiled: October 9, 2014Date of Patent: May 16, 2017Assignee: 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: 20160125383Abstract: 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: ApplicationFiled: October 31, 2014Publication date: May 5, 2016Inventors: Paul Mon-Wah Chan, Lauren van Heerden
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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
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Publication number: 20160027009Abstract: 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: 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
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Publication number: 20160019641Abstract: 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: ApplicationFiled: July 17, 2015Publication date: January 21, 2016Applicant: 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: 20160019640Abstract: 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: July 17, 2015Publication date: January 21, 2016Applicant: 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