Patents by Inventor Michael Grouios

Michael Grouios 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).

  • Patent number: 10685397
    Abstract: 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: Grant
    Filed: May 14, 2019
    Date of Patent: June 16, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: John Jong-Suk Lee, Paul Mon-Wah Chan, Jonathan K. Barnett, Roisin Lara Fritz, Michael Grouios, Joe Moghaizel
  • Patent number: 10600119
    Abstract: 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: Grant
    Filed: October 5, 2016
    Date of Patent: March 24, 2020
    Assignee: The Toronto-Dominion Bank
    Inventors: Jonathan K. Barnett, Paul Mon-Wah Chan, Roisin Lara Fritz, John Jong Suk Lee, Michael Grouios, Joe Moghaizel, I
  • Publication number: 20190266669
    Abstract: 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: Application
    Filed: May 14, 2019
    Publication date: August 29, 2019
    Inventors: John Jong-Suk Lee, Paul Mon-Wah Chan, Jonathan K. Barnett, Roisin Lara Fritz, Michael Grouios, Joe Moghaizel
  • Patent number: 10339601
    Abstract: 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: Grant
    Filed: August 30, 2016
    Date of Patent: July 2, 2019
    Assignee: The Toronto-Dominion Bank
    Inventors: John Jong-Suk Lee, Paul Mon-Wah Chan, Jonathan K. Barnett, Roisin Lara Fritz, Michael Grouios, Joe Moghaizel
  • Patent number: 10325312
    Abstract: 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: Grant
    Filed: September 21, 2016
    Date of Patent: June 18, 2019
    Assignee: The Toronto-Dominion Bank
    Inventors: John Jong-Suk Lee, Paul Mon-Wah Chan, Jonathan K. Barnett, Roisin Lara Fritz, Michael Grouios, Joe Moghaizel
  • Publication number: 20170124642
    Abstract: 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: Application
    Filed: October 5, 2016
    Publication date: May 4, 2017
    Inventors: Jonathan K. Barnett, Paul Mon-Wah CHAN, Roisin Lara FRITZ, John Jong Suk LEE, Michael GROUIOS, Joe MOGHAIZEL
  • Publication number: 20170124626
    Abstract: 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: Application
    Filed: October 5, 2016
    Publication date: May 4, 2017
    Inventors: Jonathan K. Barnett, Paul Mon-Wah Chan, Roisin Lara Fritz, John Jong Suk Lee, Michael Grouios, Joe Moghaizel, I
  • Publication number: 20170061351
    Abstract: 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: Application
    Filed: September 21, 2016
    Publication date: March 2, 2017
    Inventors: John Jong-Suk Lee, Paul Mon-Wah Chan, Jonathan K. Barnett, Roisin Lara Fritz, Michael Grouios, Joe Moghaizel
  • Publication number: 20170060659
    Abstract: 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: Application
    Filed: August 30, 2016
    Publication date: March 2, 2017
    Inventors: John Jong-Suk Lee, Paul Mon-Wah Chan, Jonathan K. Barnett, Roisin Fritz, Michael Grouios, Joe Moghaizel