Patents by Inventor Prabaharan Sivashanmugan

Prabaharan Sivashanmugan 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).

  • Systems and methods for providing merchant fraud alerts
    Patent number: 11663603
    Abstract: 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: Grant
    Filed: September 4, 2019
    Date of Patent: May 30, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: 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
  • SYSTEMS AND METHODS FOR PROVIDING MERCHANT FRAUD ALERTS
    Publication number: 20190392452
    Abstract: 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: Application
    Filed: September 4, 2019
    Publication date: December 26, 2019
    Inventors: 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