Patents by Inventor Robert Alexander McCarter
Robert Alexander McCarter 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: 11811826Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically and securely augment a programmatically established communications session, such as a chatbot session, to include one or more additional responsive applications. For example, an apparatus may receive messaging data during a first communication session programmatically established between a device and a first executed application program, and may determine that an additional apparatus is configured to perform operations consistent with the messaging data. The apparatus may transmit a digital token and at least a portion of the messaging data to an additional apparatus. A second application executed by the additional apparatus may validate the digital token and based on the portion of the messaging data, establish a second communication session between the device and the executed first and second application programs.Type: GrantFiled: April 27, 2022Date of Patent: November 7, 2023Assignee: The Toronto-Dominion BankInventors: Tae Gyun Moon, Robert Alexander McCarter, Kheiver Kayode Roberts
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Publication number: 20230344814Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically and securely augment participants in programmatically established chatbot sessions. For example, an apparatus may obtain messaging data generated during a first communications session involving a first device and based on the messaging data, detecting an occurrence of an event that triggers an establishment of a second communications session involving the first device and a second device. The apparatus may generate and transmit, to the second device, notification data causing the second device to validate one or more authentication credentials, and may receive confirmation data indicative of the one or more validated authentication credentials from the second device. Based on the confirmation data, the apparatus may perform operations that establish the second communications session in accordance with at least a portion of the messaging data.Type: ApplicationFiled: June 27, 2023Publication date: October 26, 2023Inventors: Tae Gyun MOON, Robert Alexander MCCARTER, Kheiver Kayode ROBERTS
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Publication number: 20230318994Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically configure and populate a digital interface based on sequential elements of message data exchanged during a chatbot session established programmatically between an apparatus and a device. For example, the apparatus may generate first messaging data that includes a candidate input value for an interface element of a digital interface, and transmit the first messaging data to the device during the programmatically established chatbot session. The apparatus may also receive, from the device during the programmatically established chatbot session, second messaging data that includes a confirmation of the candidate input value. Based on the second messaging data, the apparatus may generate populated interface data that associates the interface element with the confirmed candidate input value, and store the populated interface data within a memory.Type: ApplicationFiled: May 5, 2023Publication date: October 5, 2023Inventors: Tae Gyun MOON, Robert Alexander McCarter, Kheiver Kayode Roberts
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Patent number: 11777918Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically and securely augment participants in programmatically established chatbot sessions. For example, an apparatus may obtain messaging data generated during a first communications session involving a first device and based on the messaging data, detecting an occurrence of an event that triggers an establishment of a second communications session involving the first device and a second device. The apparatus may generate and transmit, to the second device, notification data causing the second device to validate one or more authentication credentials, and may receive confirmation data indicative of the one or more validated authentication credentials from the second device. Based on the confirmation data, the apparatus may perform operations that establish the second communications session in accordance with at least a portion of the messaging data.Type: GrantFiled: September 1, 2021Date of Patent: October 3, 2023Assignee: The Toronto-Dominion BankInventors: Tae Gyun Moon, Robert Alexander McCarter, Kheiver Kayode Roberts
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Patent number: 11743210Abstract: The disclosed exemplary embodiments include computer-implemented apparatuses and processes that automatically populate deep-linked interfaces based n programmatically established chatbot sessions. For example, an apparatus may determine a candidate parameter value for a first parameter of an exchange of data based on received messaging information and on information characterizing prior exchanges of data between a device and the apparatus. The apparatus may also generate interface data that associates the first candidate parameter value with a corresponding interface element of a first digital interface, and may store the store interface data within a data repository. In some instances, the apparatus may transmit linking data associated with the stored interface data to the device, and an application program executed by the device may present a representation of the linking data within a second digital interface.Type: GrantFiled: April 3, 2020Date of Patent: August 29, 2023Assignee: The Toronto-Dominion BankInventors: Tae Gyun Moon, Robert Alexander McCarter, Kheiver Kayode Roberts
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Patent number: 11694181Abstract: The present disclosure involves systems, software, and computer implemented methods for intercepting data exchange requests and automatically imposing a hold period while the data exchange is evaluated for a user profile initiating the request. One example system includes operations to detect a data exchange request prior to completion of the attempted data exchange, the data exchange request including information defining the attempted data exchange and associated wherein the attempted data exchange is associated with a particular user profile. A portion of the information is transmitted to a data exchange analysis system for execution of a user profile-specific data exchange analysis based on the information and a status of the user profile. A hold state is initiated for the data exchange request while the analysis is performed. The results of the analysis are presented and a confirmation to proceed is required before allowing the attempted data exchange to be processed.Type: GrantFiled: July 8, 2020Date of Patent: July 4, 2023Inventors: Dean C. N. Tseretopoulos, Robert Alexander McCarter, Sarabjit Singh Walia, Vipul Kishore Lalka, Nadia Moretti, Paige Elyse Dickie, Denny Devasia Kuruvilla, Milos Dunjic, Dino Paul D'Agostino, Arun Victor Jagga, John Jong-Suk Lee, Rakesh Thomas Jethwa
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Patent number: 11689484Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically configure and populate a digital interface based on sequential elements of message data exchanged during a chatbot session established programmatically between an apparatus and a device. For example, the apparatus may generate first messaging data that includes a candidate input value for an interface element of a digital interface, and transmit the first messaging data to the device during the programmatically established chatbot session. The apparatus may also receive, from the device during the programmatically established chatbot session, second messaging data that includes a confirmation of the candidate input value. Based on the second messaging data, the apparatus may generate populated interface data that associates the interface element with the confirmed candidate input value, and store the populated interface data within a memory.Type: GrantFiled: September 18, 2019Date of Patent: June 27, 2023Assignee: The Toronto-Dominion BankInventors: Tae Gyun Moon, Robert Alexander McCarter, Kheiver Kayode Roberts
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Publication number: 20220329629Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically and securely augment a programmatically established communications session, such as a chatbot session, to include one or more additional responsive applications. For example, an apparatus may receive messaging data during a first communication session programmatically established between a device and a first executed application program, and may determine that an additional apparatus is configured to perform operations consistent with the messaging data. The apparatus may transmit a digital token and at least a portion of the messaging data to an additional apparatus. A second application executed by the additional apparatus may validate the digital token and based on the portion of the messaging data, establish a second communication session between the device and the executed first and second application programs.Type: ApplicationFiled: April 27, 2022Publication date: October 13, 2022Inventors: Tae Gyun MOON, Robert Alexander McCarter, Kheiver Kayode Roberts
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Patent number: 11470091Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, dynamically authorize pre-stages data exchanges based on contextual data. For example, an apparatus may receive first data characterizing an initiation of a first exchange of data between a client device and a terminal device. Based on the first data, the apparatus may obtain second data that characterizes an expected initiation of a second exchange of data during a corresponding temporal interval, which may be specified relative to an initiation time of the first data exchange. The apparatus may generate and transmit, to a computing system, pre-authorization data that requests a pre-authorization of the second data exchange to a computing system. The pre-authorization data may include a portion of the second data and may instruct the computing system to pre-authorize the second data exchange in accordance with the second data.Type: GrantFiled: June 18, 2020Date of Patent: October 11, 2022Assignee: The Toronto-Dominion BankInventors: Robert Alexander McCarter, Vipul Lalka, Nadia Moretti, Paige Dickie, Denny Kuruvilla, Dino D'Agostino, Dean Tseretopoulos, Milos Dunjic, John Jong-Suk Lee, Arun Victor Jagga, Ruby Walia
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Patent number: 11349871Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically and securely augment a programmatically established communications session, such as a chatbot session, to include one or more additional responsive applications. For example, an apparatus may receive messaging data during a first communication session programmatically established between a device and a first executed application program, and may determine that an additional apparatus is configured to perform operations consistent with the messaging data. The apparatus may transmit a digital token and at least a portion of the messaging data to an additional apparatus. A second application executed by the additional apparatus may validate the digital token and based on the portion of the messaging data, establish a second communication session between the device and the executed first and second application programs.Type: GrantFiled: January 24, 2019Date of Patent: May 31, 2022Assignee: The Toronto-Dominion BankInventors: Tae Gyun Moon, Robert Alexander Mccarter, Kheiver Kayode Roberts
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Patent number: 11347744Abstract: A data management device, communication system and methods for tagging data in a data table and triggering automated action. A data management device receives from a first data provider one or more records of a data table, each record comprising a plurality of fields. The data table is associated with an account having one or more authorized users. The plurality of fields each has a value set by the first data provider. The data manger determines one or more tags for the one or more records in accordance with a plurality of autotagging rules. The data manger appends the one or more records to include one or more tag fields corresponding to the one or more tags for the one or more records. The appended records are stored in a database. One or more automated actions may be triggered based on one or more tag fields of one or more of the plurality of records.Type: GrantFiled: May 22, 2020Date of Patent: May 31, 2022Assignee: The Toronto-Dominion BankInventors: Dean C. N. Tseretopoulos, Robert Alexander McCarter, Sarabjit Singh Walia, Vipul Kishore Lalka, Nadia Moretti, Paige Elyse Dickie, Denny Devasia Kuruvilla, Milo Dunjic, Dino Paul D'Agostino, Arun Victor Jagga, John Jong-Suk Lee, Rakesh Thomas Jethwa
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Publication number: 20210400030Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically and securely augment participants in programmatically established chatbot sessions. For example, an apparatus may obtain messaging data generated during a first communications session involving a first device and based on the messaging data, detecting an occurrence of an event that triggers an establishment of a second communications session involving the first device and a second device. The apparatus may generate and transmit, to the second device, notification data causing the second device to validate one or more authentication credentials, and may receive confirmation data indicative of the one or more validated authentication credentials from the second device. Based on the confirmation data, the apparatus may perform operations that establish the second communications session in accordance with at least a portion of the messaging data.Type: ApplicationFiled: September 1, 2021Publication date: December 23, 2021Inventors: Tae Gyun MOON, Robert Alexander MCCARTER, Kheiver Kayode ROBERTS
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Patent number: 11140143Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically and securely augment participants in programmatically established chatbot sessions. For example, an apparatus may obtain messaging data generated during a first communications session involving a first device and based on the messaging data, detecting an occurrence of an event that triggers an establishment of a second communications session involving the first device and a second device. The apparatus may generate and transmit, to the second device, notification data causing the second device to validate one or more authentication credentials, and may receive confirmation data indicative of the one or more validated authentication credentials from the second device. Based on the confirmation data, the apparatus may perform operations that establish the second communications session in accordance with at least a portion of the messaging data.Type: GrantFiled: April 8, 2019Date of Patent: October 5, 2021Assignee: The Toronto-Dominion BankInventors: Tae Gyun Moon, Robert Alexander Mccarter, Kheiver Kayode Roberts
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Publication number: 20210083996Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically configure and populate a digital interface based on sequential elements of message data exchanged during a chatbot session established programmatically between an apparatus and a device. For example, the apparatus may generate first messaging data that includes a candidate input value for an interface element of a digital interface, and transmit the first messaging data to the device during the programmatically established chatbot session. The apparatus may also receive, from the device during the programmatically established chatbot session, second messaging data that includes a confirmation of the candidate input value. Based on the second messaging data, the apparatus may generate populated interface data that associates the interface element with the confirmed candidate input value, and store the populated interface data within a memory.Type: ApplicationFiled: September 18, 2019Publication date: March 18, 2021Inventors: TAE GYUN MOON, Robert Alexander Mccarter, Kheiver Kayode Roberts
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Patent number: 10943605Abstract: The present disclosure involves systems, software, and computer implemented methods for personalizing interactions within a conversational interface based on an input context. One example system performs operations including receiving a conversational input received via a conversational interface. The conversational input is analyzed to determine an intent and lexical personality score based on the input's characteristics. A set of responsive content is determined and includes a set of initial tokens representing an initial response. A set of synonym tokens associated with at least some of the initial tokens are identified, and at least one synonym token associated with a similar lexical personality score to the input is determined. At least one of the initial tokens are replaced with the determined synonym token to generate a modified version of the set of response content. The modified version of the response is then transmitted to a device in response to the input.Type: GrantFiled: September 13, 2019Date of Patent: March 9, 2021Assignee: The Toronto-Dominion BankInventors: Dean C. N. Tseretopoulos, Robert Alexander McCarter, Sarabjit Singh Walia, Vipul Kishore Lalka, Nadia Moretti, Paige Elyse Dickie, Denny Devasia Kuruvilla, Milos Dunjic, Dino Paul D'Agostino, Arun Victor Jagga, John Jong-Suk Lee, Rakesh Thomas Jethwa
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Patent number: 10878816Abstract: The present disclosure involves systems, software, and computer implemented methods for personalizing interactions within a conversational interface based on an input context. One example system performs operations including receiving a conversational input via a conversational interface associated with a particular user profile. The input is analyzed via a natural language processing engine to determine an intent and a personality input type. A persona response type associated with the determined personality input type is identified, and responsive content is determined. A particular persona associated with the particular user profile based on a related set of social network activity information associated with the user profile and that corresponds to the identified persona response type is identified.Type: GrantFiled: May 15, 2019Date of Patent: December 29, 2020Assignee: The Toronto-Dominion BankInventors: Dean C. N. Tseretopoulos, Robert Alexander McCarter, Sarabjit Singh Walia, Vipul Kishore Lalka, Nadia Moretti, Paige Elyse Dickie, Denny Devasia Kuruvilla, Milos Dunjic, Dino Paul D'Agostino, Arun Victor Jagga, John Jong-Suk Lee, Rakesh Thomas Jethwa
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Publication number: 20200342437Abstract: The present disclosure involves systems, software, and computer implemented methods for intercepting data exchange requests and automatically imposing a hold period while the data exchange is evaluated for a user profile initiating the request. One example system includes operations to detect a data exchange request prior to completion of the attempted data exchange, the data exchange request including information defining the attempted data exchange and associated wherein the attempted data exchange is associated with a particular user profile. A portion of the information is transmitted to a data exchange analysis system for execution of a user profile-specific data exchange analysis based on the information and a status of the user profile. A hold state is initiated for the data exchange request while the analysis is performed. The results of the analysis are presented and a confirmation to proceed is required before allowing the attempted data exchange to be processed.Type: ApplicationFiled: July 8, 2020Publication date: October 29, 2020Applicant: The Toronto-Dominion BankInventors: Dean C. N. Tseretopoulos, Robert Alexander McCarter, Sarabjit Singh Walia, Vipul Kishore Lalka, Nadia Moretti, Paige Elyse Dickie, Denny Devasia Kuruvilla, Milos Dunjic, Dino Paul D'Agostino, Arun Victor Jagga, John Jong-Suk Lee, Rakesh Thomas Jethwa
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Publication number: 20200322320Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically and securely augment participants in programmatically established chatbot sessions. For example, an apparatus may obtain messaging data generated during a first communications session involving a first device and based on the messaging data, detecting an occurrence of an event that triggers an establishment of a second communications session involving the first device and a second device. The apparatus may generate and transmit, to the second device, notification data causing the second device to validate one or more authentication credentials, and may receive confirmation data indicative of the one or more validated authentication credentials from the second device. Based on the confirmation data, the apparatus may perform operations that establish the second communications session in accordance with at least a portion of the messaging data.Type: ApplicationFiled: April 8, 2019Publication date: October 8, 2020Inventors: TAE GYUN MOON, Robert Alexander Mccarter, Kheiver Kayode Roberts
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Publication number: 20200322350Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, dynamically authorize pre-stages data exchanges based on contextual data. For example, an apparatus may receive first data characterizing an initiation of a first exchange of data between a client device and a terminal device. Based on the first data, the apparatus may obtain second data that characterizes an expected initiation of a second exchange of data during a corresponding temporal interval, which may be specified relative to an initiation time of the first data exchange. The apparatus may generate and transmit, to a computing system, pre-authorization data that requests a pre-authorization of the second data exchange to a computing system. The pre-authorization data may include a portion of the second data and may instruct the computing system to pre-authorize the second data exchange in accordance with the second data.Type: ApplicationFiled: June 18, 2020Publication date: October 8, 2020Inventors: Robert Alexander MCCARTER, Vipul Kishore LALKA, Nadia MORETTI, Paige Elyse DICKIE, Denny Devasia KURUVILLA, Dino Paul D'AGOSTINO, Dean C.N. TSERETOPOULOS, Milos DUNJIC, John Jong-Suk LEE, Arun Victor JAGGA, Sarabjit Singh WALIA
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Publication number: 20200285644Abstract: A data management device, communication system and methods for tagging data in a data table and triggering automated action. A data management device receives from a first data provider one or more records of a data table, each record comprising a plurality of fields. The data table is associated with an account having one or more authorized users. The plurality of fields each has a value set by the first data provider. The data manger determines one or more tags for the one or more records in accordance with a plurality of autotagging rules. The data manger appends the one or more records to include one or more tag fields corresponding to the one or more tags for the one or more records. The appended records are stored in a database. One or more automated actions may be triggered based on one or more tag fields of one or more of the plurality of records.Type: ApplicationFiled: May 22, 2020Publication date: September 10, 2020Applicant: The Toronto-Dominion BankInventors: Dean C.N. TSERETOPOULOS, Robert Alexander McCarter, Sarabjit Singh Walia, Vipul Kishore Lalka, Nadia Moretti, Paige Elyse Dickie, Denny Devasia Kuruvilla, Milo Dunjic, Dino Paul D'Agostino, Arun Victor Jagga, John Jong-Suk Lee, Rakesh Thomas Jethwa