Patents by Inventor Rajeev Kumar GANDHI
Rajeev Kumar GANDHI 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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Publication number: 20230368199Abstract: An authorization control network includes a limit profile database and at least one computer server. The server(s) receives an account identifier and a datum from a communications device, and associates the datum with the account identifier in a limit profile record of the limit profile database. The server(s) also receives the account identifier and a transaction limit, and associates the transaction limit with the account identifier in the limit profile record. The server(s) then receives from a POS device an authorization request that includes the account identifier and an authorization amount. If the server(s) confirms that the authorization amount does not exceed the transaction limit that is associated with the account identifier in the limit profile record and does not exceed an available credit limit that is associated with the account identifier, the server(s) transmits to the POS device an authorization response that confirms authorization of the authorization amount.Type: ApplicationFiled: July 19, 2023Publication date: November 16, 2023Inventors: Rajeev Kumar GANDHI, Noemi COLMENAR-MIRANDA, Danielle PINNOCK, William Joseph McLELLAN, Richard Titus SZVATH, Liliya KAMINSKAYA, Jennifer AMARAL
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Patent number: 11790354Abstract: The present disclosure involves systems, software, and computer implemented methods for a remittance system that pre-populates remittance data based on historical usage of remittance transactions. One example system includes operations to generate, using a predictive model, data indicating a predicted likelihood of a user selecting at least one data exchange transaction, wherein the data indicates the predicted likelihood of the user performing the at least one data exchange transaction. A request is received to access a remittance page. In response, the at least one data exchange transaction that was previously generated is selected from a repository of predicted likelihoods. Remittance data associated with a UI element is generated that includes the at least one data exchange transaction. The remittance data is transmitted to the device. An indication from the device is received for interacting with the UI element. The data exchange transaction is executed in response to receiving the indication.Type: GrantFiled: July 1, 2021Date of Patent: October 17, 2023Inventors: Rajeev Kumar Gandhi, Robert Kyle Miller, Kushank Rastogi, David Samuel Tax, Milos Dunjic, Arthur Carroll Chow, Armon Rouhani, Maryam Karbasi, Kamana Tripathi, John Jong-Suk Lee, Arun Victor Jagga
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Patent number: 11734684Abstract: An authorization control network includes at least one computer server. The server(s) receives a cardholder credential and a profile modification request from a communications device, and determines an account attribute by querying a profile database with an account identifier. The server(s) rejects the modification request if the server determines from the account attribute that a limit profile associated with the account identifier is linked to a cardholder credential other than the received cardholder credential. The server(s) then receives from a POS device an authorization request that includes the account identifier and an authorization value.Type: GrantFiled: August 12, 2021Date of Patent: August 22, 2023Assignee: The Toronto-Dominion BankInventors: Rajeev Kumar Gandhi, Noemi Colmenar-Miranda, Danielle Pinnock, William Joseph McLellan, Richard Titus Szvath, Liliya Kaminskaya, Jennifer Amaral
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Publication number: 20210374738Abstract: An authorization control network includes at least one computer server. The server(s) receives a cardholder credential and a profile modification request from a communications device, and determines an account attribute by querying a profile database with an account identifier. The server(s) rejects the modification request if the server determines from the account attribute that a limit profile associated with the account identifier is linked to a cardholder credential other than the received cardholder credential. The server(s) then receives from a POS device an authorization request that includes the account identifier and an authorization value.Type: ApplicationFiled: August 12, 2021Publication date: December 2, 2021Inventors: Rajeev Kumar GANDHI, Noemi COLMENAR-MIRANDA, Danielle PINNOCK, William Joseph McLELLAN, Richard Titus SZVATH, Liliya KAMINSKAYA, Jennifer AMARAL
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Publication number: 20210326860Abstract: The present disclosure involves systems, software, and computer implemented methods for a remittance system that pre-populates remittance data based on historical usage of remittance transactions. One example system includes operations to generate, using a predictive model, data indicating a predicted likelihood of a user selecting at least one data exchange transaction, wherein the data indicates the predicted likelihood of the user performing the at least one data exchange transaction. A request is received to access a remittance page. In response, the at least one data exchange transaction that was previously generated is selected from a repository of predicted likelihoods. Remittance data associated with a UI element is generated that includes the at least one data exchange transaction. The remittance data is transmitted to the device. An indication from the device is received for interacting with the UI element. The data exchange transaction is executed in response to receiving the indication.Type: ApplicationFiled: July 1, 2021Publication date: October 21, 2021Inventors: Rajeev Kumar Gandhi, Robert Kyle Miller, Kushank Rastogi, David Samuel Tax, Milos Dunjic, Arthur Carroll Chow, Armon Rouhani, Maryam Karbasi, Kamana Tripathi, John Jong-Suk Lee, Arun Victor Jagga
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Patent number: 11120447Abstract: An authorization control network includes an attribute control server and an authorization server. The attribute control server is configured to receive from a communications device a credential and a modification request that includes an account identifier, determine a cardholder attribute from the credential, determine an account attribute associated with the account identifier in a card profile database, determine that the cardholder attribute matches the account attribute, and transmit the modification request to the authorization server.Type: GrantFiled: October 4, 2019Date of Patent: September 14, 2021Assignee: The Toronto-Dominion BankInventors: Rajeev Kumar Gandhi, Noemi Colmenar-Miranda, Danielle Marie Pinnock, William Joseph McLellan, Richard Titus Szvath, Liliya Kaminskaya, Jennifer Amaral
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Patent number: 11087314Abstract: The present disclosure involves systems, software, and computer implemented methods for a remittance system that pre-populates remittance data based on historical usage of remittance transactions. One example system includes operations to generate, using a predictive model, data indicating a predicted likelihood of a user selecting at least one data exchange transaction, wherein the data indicates the predicted likelihood of the user performing the at least one data exchange transaction. A request is received to access a remittance page. In response, the at least one data exchange transaction that was previously generated is selected from a repository of predicted likelihoods. Remittance data associated with a UI element is generated that includes the at least one data exchange transaction. The remittance data is transmitted to the device. An indication from the device is received for interacting with the UI element. The data exchange transaction is executed in response to receiving the indication.Type: GrantFiled: September 26, 2018Date of Patent: August 10, 2021Assignee: The Toronto-Dominion BankInventors: Rajeev Kumar Gandhi, Robert Kyle Miller, Kushank Rastogi, David Samuel Tax, Milos Dunjic, Arthur Carroll Chow, Armon Rouhani, Maryam Karbasi, Kamana Tripathi, John Jong-Suk Lee, Arun Victor Jagga
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Publication number: 20210103931Abstract: An authorization control network includes an attribute control server and an authorization server. The attribute control server is configured to receive from a communications device a credential and a modification request that includes an account identifier, determine a cardholder attribute from the credential, determine an account attribute associated with the account identifier in a card profile database, determine that the cardholder attribute matches the account attribute, and transmit the modification request to the authorization server.Type: ApplicationFiled: October 4, 2019Publication date: April 8, 2021Applicant: THE TORONTO-DOMINION BANKInventors: Rajeev Kumar Gandhi, Noemi Colmenar-Miranda, Danielle Marie Pinnock, William Joseph McLellan, Richard Titus Szvath, Liliya Kaminskaya, Jennifer Amaral
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Patent number: 10862785Abstract: The present application provides monitoring and managing usage of one or more network-connected devices over a network. The network-connected devices may include devices connected to the Internet of Things (IoT). Some aspects provide systems, methods and computing devices for: receiving usage and rate data associated with network-connected device(s); determining device expenditure data based on the usage and rate data; obtaining allocation information pertaining to a time period; updating information associated with one or more data files with the device expenditure data; comparing the updated information to the allocation information; and determining whether an allocation indicated by the allocation information for the time period is feasible.Type: GrantFiled: May 30, 2019Date of Patent: December 8, 2020Assignee: The Toronto-Dominion BankInventors: Rajeev Kumar Gandhi, Julie Anne Cassidy, Ann Cynthia Eapen, John Jong-Suk Lee, Rakesh Thomas Jethwa
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Patent number: 10713715Abstract: A computing device and method for managing an account. A computer displays a historical timeline and an event placement timeline. Past events are shown along the historical timeline, and future events along the event placement timeline. The computer suggest a change to the timing of one of the events. The user moves a movable object to the proposed timing to reschedule the event. The settings of the account are modified to automatically execute that event at the new timing.Type: GrantFiled: August 15, 2019Date of Patent: July 14, 2020Assignee: The Toronto-Dominion BankInventors: Rajeev Kumar Gandhi, Robert Kyle Miller, Paul Mon-Wah Chan, John Jong Suk Lee, Rakesh Thomas Jethwa
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Patent number: 10664906Abstract: A device and method for management of an account. An event placement timeline is displayed. Account events are shown along the timeline. A preferred event time range or “safe zone” is shown along the timeline. The “safe zone” is the portion of the month during which it is safe to schedule certain events, like bill payments, with lower risk of NSF, overdraft or the like. The user moves a movable object into the “safe zone” to reschedule the account event in the “safe zone”, and the settings of the account are modified to automatically execute the account event at that time.Type: GrantFiled: September 4, 2019Date of Patent: May 26, 2020Assignee: The Toronto-Dominion BankInventors: Rajeev Kumar Gandhi, Robert Kyle Miller, Paul Mon-Wah Chan, John Jong Suk Lee, Rakesh Thomas Jethwa
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Publication number: 20200097955Abstract: The present disclosure involves systems, software, and computer implemented methods for a remittance system that pre-populates remittance data based on historical usage of remittance transactions. One example system includes operations to generate, using a predictive model, data indicating a predicted likelihood of a user selecting at least one data exchange transaction, wherein the data indicates the predicted likelihood of the user performing the at least one data exchange transaction. A request is received to access a remittance page. In response, the at least one data exchange transaction that was previously generated is selected from a repository of predicted likelihoods. Remittance data associated with a UI element is generated that includes the at least one data exchange transaction. The remittance data is transmitted to the device. An indication from the device is received for interacting with the UI element. The data exchange transaction is executed in response to receiving the indication.Type: ApplicationFiled: September 26, 2018Publication date: March 26, 2020Applicant: The Toronto-Dominion BankInventors: Rajeev Kumar Gandhi, Robert Kyle Miller, Kushank Rastogi, David Samuel Tax, Milos Dunjic, Arthur Carroll Chow, Armon Rouhani, Maryam Karbasi, Kamana Tripathi, John Jong-Suk Lee, Arun Victor Jagga
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Publication number: 20200058068Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, dynamically provision and initiate exchanges of data between network-connected devices and systems based on aggregated contextual information. For example, a network-connected apparatus may obtain (i) first data identifying first exchanges of data initiated during a first temporal interval, (ii) second data identifying a current parameter value of the first data exchanges, and (iii) third data identifying a status of an account involved in the first data exchanges. Based on the first, second, and third data, the apparatus may compute a value indicative of a probability of an initiation of a second data exchange involving the account during a second temporal interval. Further, when the computed value is consistent with an alert criterion, the apparatus may transmit alert data characterizing the second data exchange to a device for display within an interface.Type: ApplicationFiled: August 20, 2018Publication date: February 20, 2020Inventors: Rajeev Kumar GANDHI, Robert Kyle MILLER, Kushank RASTOGI, David Samuel TAX, Milos DUNJIC, Arthur Carroll CHOW, Armon ROUHANI, Maryam KARBASI, Kamana TRIPATHI, John Jong-Suk LEE, Arun Victor JAGGA
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Publication number: 20190392515Abstract: A device and method for management of an account. An event placement timeline is displayed. Account events are shown along the timeline. A preferred event time range or “safe zone” is shown along the timeline. The “safe zone” is the portion of the month during which it is safe to schedule certain events, like bill payments, with lower risk of NSF, overdraft or the like. The user moves a movable object into the “safe zone” to reschedule the account event in the “safe zone”, and the settings of the account are modified to automatically execute the account event at that time.Type: ApplicationFiled: September 4, 2019Publication date: December 26, 2019Inventors: Rajeev Kumar GANDHI, Robert Kyle MILLER, Paul Mon-Wah CHAN, John Jong Suk LEE, Rakesh Thomas JETHWA
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Publication number: 20190370893Abstract: A computing device and method for managing an account. A computer displays a historical timeline and an event placement timeline. Past events are shown along the historical timeline, and future events along the event placement timeline. The computer suggest a change to the timing of one of the events. The user moves a movable object to the proposed timing to reschedule the event. The settings of the account are modified to automatically execute that event at the new timing.Type: ApplicationFiled: August 15, 2019Publication date: December 5, 2019Inventors: Rajeev Kumar GANDHI, Robert Kyle MILLER, Paul Mon-Wah CHAN, John Jong Suk LEE, Rakesh Thomas JETHWA
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Patent number: 10445824Abstract: A device and method for management of an account. An event placement timeline is displayed. Account events are shown along the timeline. A preferred event time range or “safe zone” is shown along the timeline. The “safe zone” is the portion of the month during which it is safe to schedule certain events, like bill payments, with lower risk of NSF, overdraft or the like. The user moves a movable object into the “safe zone” to reschedule the account event in the “safe zone”, and the settings of the account are modified to automatically execute the account event at that time.Type: GrantFiled: October 11, 2016Date of Patent: October 15, 2019Assignee: The Toronto-Dominion BankInventors: Rajeev Kumar Gandhi, Robert Kyle Miller, Paul Mon-Wah Chan, John Jong Suk Lee, Rakesh Thomas Jethwa
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Patent number: 10424012Abstract: A computing device and method for managing an account. A computer displays a historical timeline and an event placement timeline. Past events are shown along the historical timeline, and future events along the event placement timeline. The computer suggest a change to the timing of one of the events. The user moves a movable object to the proposed timing to reschedule the event. The settings of the account are modified to automatically execute that event at the new timing.Type: GrantFiled: October 11, 2016Date of Patent: September 24, 2019Assignee: The Toronto-Dominion BankInventors: Rajeev Kumar Gandhi, Robert Kyle Miller, Paul Mon-Wah Chan, John Jong Suk Lee, Rakesh Thomas Jethwa
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Publication number: 20190280955Abstract: The present application provides monitoring and managing usage of one or more network-connected devices over a network. The network-connected devices may include devices connected to the Internet of Things (IoT). Some aspects provide systems, methods and computing devices for: receiving usage and rate data associated with network-connected device(s); determining device expenditure data based on the usage and rate data; obtaining allocation information pertaining to a time period; updating information associated with one or more data files with the device expenditure data; comparing the updated information to the allocation information; and determining whether an allocation indicated by the allocation information for the time period is feasible.Type: ApplicationFiled: May 30, 2019Publication date: September 12, 2019Inventors: Rajeev Kumar Gandhi, Julie Anne Cassidy, Ann Cynthia Eapen, John Jong-Suk Lee, Rakesh Thomas Jethwa
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Patent number: 10355958Abstract: The present application provides monitoring and managing usage of one or more network-connected devices over a network. The network-connected devices may include devices connected to the Internet of Things (IoT). Some aspects provide systems, methods and computing devices for: receiving usage and rate data associated with network-connected device(s); determining device expenditure data based on the usage and rate data; obtaining allocation information pertaining to a time period; updating information associated with one or more data files with the device expenditure data; comparing the updated information to the allocation information; and determining whether an allocation indicated by the allocation information for the time period is feasible.Type: GrantFiled: May 15, 2017Date of Patent: July 16, 2019Assignee: The Toronto-Dominion BankInventors: Rajeev Kumar Gandhi, Julie Anne Cassidy, Ann Cynthia Eapen, John Jong-Suk Lee, Rakesh Thomas Jethwa
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Publication number: 20190075166Abstract: This application provides for managing usage of network-connected device(s) over a network. Some aspects provide: determining, for at least one network-connected device, altered device setting(s) feasible for an allocation amount; and sending a signal to each network-connected device affected by the altered device setting(s) to cause each affected network-connected device to operate in accordance with the respective altered device setting(s). Once each affected network-connected device is operating in accordance with the respective altered device setting(s), adjustment of device setting(s) of one or more of the network-connected device(s), such that the allocation amount is no longer feasible, causes to be determined a further adjustment of one or more others of the device settings to maintain feasibility of the allocation amount. When an amount of the adjustment is such that the allocation amount cannot be met by the further adjustment, a variance from the allocation amount is determined.Type: ApplicationFiled: September 5, 2017Publication date: March 7, 2019Inventors: Rajeev Kumar Gandhi, Julie Anne Cassidy, Ann Cynthia Eapen, John Jong-Suk Lee, Rakesh Thomas Jethwa