Patents by Inventor Romy Moghaizel

Romy Moghaizel 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).

  • Publication number: 20240054457
    Abstract: A server computer system comprises a communications module; a processor coupled to the communications module; and a memory coupled to the processor, the memory storing processor-executable instructions which, when executed, configure the processor to store, in a database, an indication that digital receipts are to be provided for all purchases made on a payment card; receive, via the communications module and from a point-of-sale system, a signal requesting an indication that a digital receipt is to be provided for a purchase made on the payment card; consult the database to determine that the digital receipt is to be provided for the purchase made on the payment card; and send, via the communications module and to the point-of-sale system, a signal that includes the indication that the digital receipt is to be provided for the purchase made on the payment card.
    Type: Application
    Filed: August 9, 2022
    Publication date: February 15, 2024
    Applicant: The Toronto-Dominion Bank
    Inventors: Dinshaw BHARUCHA, Romy MOGHAIZEL, Vingston SATGUNAM, Alexandra Clarissa Marie AMOURGIS
  • Publication number: 20230185617
    Abstract: A computer server system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to obtain trigger data identifying two or more resource types and criteria for triggering one or more actions associated with each of the two or more resource types; monitor resource consumption data to identify another resource type being provided to a resource requester; responsive to identifying the another resource type being provided to the resource requester, determine, based on the trigger data, one or more actions to be triggered; and trigger the one or more actions.
    Type: Application
    Filed: December 9, 2021
    Publication date: June 15, 2023
    Applicant: The Toronto-Dominion Bank
    Inventors: Romy MOGHAIZEL, Jeremy John MCCONNELL, Carmelyn Renosa SORIANO, Patricia Shumin KO
  • Publication number: 20210224800
    Abstract: The present disclosure involves, systems, software, and computer-implemented methods for providing, at the time of a transaction, an estimate of a reward earned by a customer for the particular transaction. One example method comprises receiving information associated with a data exchange between at least a computing device of a user and a computing device of an entity, the information comprising information indicative of a card type used in the data exchange, a transaction amount, and a category code associated with the entity; identifying one or more accelerators; selecting, based on at least one of the information associated with the data exchange, a particular accelerator applicable to the data exchange; determining, at a time concurrent with the data exchange, a points estimate for the data exchange based on the transaction amount and the particular accelerator; and transmitting a notification comprising the transaction amount and the points estimate for the data exchange.
    Type: Application
    Filed: January 16, 2020
    Publication date: July 22, 2021
    Applicant: The Toronto-Dominion Bank
    Inventors: Adrian Bloy, Kayla Ann Duncan, Anchal Gawri, Rafi Jason Kandaharian, Michael James Taggart, Samara Jean Seg Ayoub, Romy Moghaizel