Patents by Inventor Raymond Alan YOUNG

Raymond Alan YOUNG 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: 12015565
    Abstract: A computer-implemented is disclosed. The method includes: allocating a first quantity of resources associated with one or more database records of an entity to a first device operation of a computing device associated with the entity; detecting a trigger condition associated with the first device operation for generating offers for lending resources to the entity in connection with the first device operation; in response to detecting the trigger condition: determining a second quantity of resources associated with the one or more database records for allocating to the first device operation based on a difference between a threshold quantity of resources associated with performing the first device operation and a total quantity of resources associated with the one or more database records previously allocated to the first device operation; and transmitting, to the computing device, a message representing an offer for lending the second quantity of resources.
    Type: Grant
    Filed: February 16, 2023
    Date of Patent: June 18, 2024
    Assignee: The Toronto-Dominion Bank
    Inventors: Kareem El-Onsi, Garima Aggarwal, Raymond Alan Young
  • Publication number: 20230275846
    Abstract: A computer-implemented is disclosed. The method includes: allocating a first quantity of resources associated with one or more database records of an entity to a first device operation of a computing device associated with the entity; detecting a trigger condition associated with the first device operation for generating offers for lending resources to the entity in connection with the first device operation; in response to detecting the trigger condition: determining a second quantity of resources associated with the one or more database records for allocating to the first device operation based on a difference between a threshold quantity of resources associated with performing the first device operation and a total quantity of resources associated with the one or more database records previously allocated to the first device operation; and transmitting, to the computing device, a message representing an offer for lending the second quantity of resources.
    Type: Application
    Filed: February 16, 2023
    Publication date: August 31, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: Kareem EL-ONSI, Garima AGGARWAL, Raymond Alan YOUNG
  • Patent number: 11611516
    Abstract: A computer-implemented for allocating resources is disclosed. The method includes: receiving, from a client device associated with an entity, input including a selection of a first operation; obtaining a threshold quantity of resources associated with the first operation; allocating a first quantity of resources associated with the entity to the first operation; detecting a trigger condition for obtaining resources associated with the first operation; and in response to detecting the trigger condition for obtaining resources associated with the first operation: determining a second quantity of resources associated with the entity for allocation to the first operation based on a difference between the threshold quantity of resources associated with the first operation and the first quantity of resources; and transmitting, to the client device, a signal representing a message indicating the second quantity of resources.
    Type: Grant
    Filed: July 9, 2019
    Date of Patent: March 21, 2023
    Assignee: The Toronto-Dominion Bank
    Inventors: Kareem El-Onsi, Garima Aggarwal, Raymond Alan Young
  • Publication number: 20210014173
    Abstract: A computer-implemented for allocating resources is disclosed. The method includes: receiving, from a client device associated with an entity, input including a selection of a first operation; obtaining a threshold quantity of resources associated with the first operation; allocating a first quantity of resources associated with the entity to the first operation; detecting a trigger condition for obtaining resources associated with the first operation; and in response to detecting the trigger condition for obtaining resources associated with the first operation: determining a second quantity of resources associated with the entity for allocation to the first operation based on a difference between the threshold quantity of resources associated with the first operation and the first quantity of resources; and transmitting, to the client device, a signal representing a message indicating the second quantity of resources.
    Type: Application
    Filed: July 9, 2019
    Publication date: January 14, 2021
    Applicant: The Toronto-Dominion Bank
    Inventors: Kareem EL-ONSI, Garima AGGARWAL, Raymond Alan YOUNG