公开(公告)号：US20240211732A1

公开(公告)日：2024-06-27

申请号：US18213624

申请日：2023-06-23

Applicant: THE TORONTO-DOMINION BANK

Inventor： MATTHEW CARLTON FREDERICK WANDER ,  HARSHUL VARMA ,  HOLLY HEGLIN ,  MING JIAN PAN ,  ABINAV RAMESH SUNDARARAMAN

IPC: G06N3/0455 ,  G06N3/0442 ,  G06N3/0464

CPC classification number: G06N3/0455 ,  G06N3/0442 ,  G06N3/0464

Abstract: Methods, systems and techniques for multivariate time series forecasting are provided. A dataset is obtained that corresponds to a multivariate time series data for a multivariate time series forecasting task. A particular machine learning architecture is used for the forecasting using an artificial neural network and deep learning. The machine learning architecture includes an autoencoder configured and trained on itself moved forward in time to generate autoencoder layers to analyse seasonality and co-variance information of the multivariate input dataset in a future time frame and an autoregressor to generate autoregressor layers to analyse trend information of the multivariate input dataset in a future time frame; and a layer merger for merging the one or more autoregressor layers and one or more autoencoder layers to form a set of merged layers representative of a multivariate time series forecast using the machine learning model in the future time frame.

公开(公告)号：US20240203405A1

公开(公告)日：2024-06-20

申请号：US18591273

申请日：2024-02-29

Applicant: The Toronto-Dominion Bank

Inventor： Bridget McDERMID ,  Brian BELLWOOD ,  Natalie Thien Huong CORNWALL ,  Jeffery David TRUE ,  Ryan WALL ,  Stella Pui Kwan CHAN ,  Venetia D'SOUZA ,  Christopher Michael Arthur CARAVAN ,  Pranavan PREMATHAS ,  Sahifa Habib QAZI ,  Mah Noor SIDDIQUI ,  Joe MOGHAIZEL ,  Jonathan K. BARNETT

IPC: G10L15/18 ,  G06F40/30 ,  G10L15/22 ,  H04M3/56

CPC classification number: G10L15/1822 ,  G06F40/30 ,  G10L15/1815 ,  G10L2015/221 ,  G10L2015/228 ,  H04M3/56 ,  H04M2203/357

Abstract: A system and method are provided for analyzing and reacting to interactions between entities using electronic communication channels. The method includes receiving, via the communications module, data captured from a conversational exchange between a first entity communicating with a second entity using an electronic communication channel. The method also includes analyzing the captured data to detect an indication that the first entity is or was distracted during the conversational exchange, is or was disinterested in a portion of the conversational exchange or missed the portion of the conversational exchange. The method also includes determining based on the indication an action to address the distraction during, disinterest in, or missing of, the portion of the conversational exchange; and providing, via the communications module, an automated message to at least one of the first entity and the second entity for executing the action.

公开(公告)号：US12015607B2

公开(公告)日：2024-06-18

申请号：US17401602

申请日：2021-08-13

Applicant: The Toronto-Dominion Bank

Inventor： Christian Joseph Bouffard ,  Saeed Alhajyousef

IPC: H04L29/06 ,  H04L9/40

CPC classification number: H04L63/0876 ,  H04L63/0435 ,  H04L63/102 ,  H04L63/20

Abstract: A system and method are provided for authenticating client devices communicating with an enterprise system. The method includes providing a policy enforcement interceptor to intercept API calls and enabling the policy enforcement interceptor to communicate with a policy information point to query the at least one endpoint for entitlements associated with an account. The method also includes intercepting an API call to the application API, communicating with the policy information point to determine entitlements associated with the account by having the policy information point query an entitlements database and, when the entitlements returned to the policy enforcement interceptor are valid, invoking a policy decision point to validate the client device. The method also includes, when the client device is validated, permitting invocation of the API. The method also includes providing an API response to the client device to permit access to the application via the API.

公开(公告)号：US12014303B2

公开(公告)日：2024-06-18

申请号：US16582368

申请日：2019-09-25

Applicant: The Toronto-Dominion Bank

Inventor： Darren Michael Carvalho ,  Shania Xian Yu Fu ,  Jordan Ross Stirling ,  Jinoj Titus

IPC: G06Q10/0631 ,  G07F19/00 ,  H04W4/021 ,  H04W4/029 ,  H04W4/30

CPC classification number: G06Q10/06315 ,  G07F19/209 ,  H04W4/021 ,  H04W4/029 ,  H04W4/30

Abstract: The present disclosure involves, systems, software, and computer-implemented methods for determining a location for a curbside branch. One example system comprises a memory storing instructions; at least one hardware processor interoperably coupled with the memory, wherein the instructions instruct the at least one hardware processor to: obtain historical and current exchange data of users associated with a particular location; obtain external data about the particular location; enrich the historical and current exchange data with the external data; identify one or more analysis rules to apply to the enriched data to determine an estimated demand for services associated with deployment of a mobile site at the particular location; compare estimated demand to a predetermined threshold; and in response to a determination that the estimated demand exceeds the predetermined threshold, identify the particular location for mobile site deployment.

公开(公告)号：US20240193562A1

公开(公告)日：2024-06-13

申请号：US18079940

申请日：2022-12-13

Applicant: The Toronto-Dominion Bank

Inventor： A. Warren PRATTEN ,  Tristan RODZEN

IPC: G06Q20/10

CPC classification number: G06Q20/1085

Abstract: A computing device 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 initiate an automated teller machine session; engage an artificial intelligence engine to determine at least one dynamic user interface to be presented during the automated teller machine session; and present the at least one dynamic user interface on a display of an automated teller machine.

公开(公告)号：US12008541B2

公开(公告)日：2024-06-11

申请号：US18076864

申请日：2022-12-07

Applicant: The Toronto-Dominion Bank

Inventor： Robert Kyle Miller ,  Kevin Wayne Faragher ,  Malcolm Dinyar Jussawalla ,  Tomasz Pawelkiewicz ,  Karandeep Puri

IPC: G06Q20/32 ,  G06Q20/40

CPC classification number: G06Q20/3221 ,  G06Q20/3223 ,  G06Q20/4014

Abstract: A server 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 receive, via the communications module and from a computing device, a signal representing a request to perform an operation from a user; determine that the user does not have a persistent account; and when it is determined that the user does not have a persistent account: obtain, via the communications module and from a digital identity network, a signal including verified identity data of the user; generate a temporary data record and associate the temporary data record with the verified identity data of the user; receive a value transfer based on the requested operation and store the received value in the temporary data record; and perform the operation using the stored value in the temporary data record.

公开(公告)号：US20240169439A1

公开(公告)日：2024-05-23

申请号：US17992310

申请日：2022-11-22

Applicant: The Toronto-Dominion Bank

Inventor： Zeeshan FAROOQ

IPC: G06Q40/08

CPC classification number: G06Q40/08

Abstract: Computing platforms, methods, and storage media for validating a price calculation, such as a premium calculation, are disclosed. Exemplary implementations may: obtain, from a rating system configured for calculating premiums, a rating system premium calculation based on a plurality of profiles and on a stored set of rate factors; independently calculate a local system premium calculation based on the plurality of profiles and based on a current set of rate factors associated with calculating premiums; and automatically validate the rating system premium calculation based on comparing the rating system premium calculation with the local system premium calculation.

公开(公告)号：US11985153B2

公开(公告)日：2024-05-14

申请号：US17482059

申请日：2021-09-22

Applicant: The Toronto-Dominion Bank

Inventor： Moshe Karl

IPC: G06F11/00 ,  G06F7/04 ,  G06F12/14 ,  G06F12/16 ,  G06F16/28 ,  H04L9/40 ,  H04N7/16

CPC classification number: H04L63/1425 ,  G06F16/285

Abstract: A system, non-transitory computer readable medium and method for detecting anomalous activity based on a data distribution is disclosed. The system includes a processor, and a memory coupled to the processor. The memory stores computer executable instructions that, when executed by the processor, cause the processor to obtain a plurality of datapoints defining a data distribution. The processor classifies the plurality of datapoints as isolated or non-isolated datapoints, and clusters at least some of the non-isolated datapoints into at least one mode segment. A reference mode from the at least one mode segment is identified, and at least one outlier being either an isolated or non-isolated datapoint separated from the reference mode by a predetermined number of isolated datapoints representing a flat portion is identified. An action is initiated based on the identified at least one outlier.

公开(公告)号：US20240155055A1

公开(公告)日：2024-05-09

申请号：US18506285

申请日：2023-11-10

Applicant: The Toronto-Dominion Bank

Inventor： Abhijith VENKATESH

IPC: H04M3/51 ,  H04L5/00

CPC classification number: H04M3/5191 ,  H04L5/003

Abstract: A computer-implemented method is disclosed. The method includes: receiving a plurality of requests to initiate customer service sessions; establishing a primary web socket connection between a first web server and a service agent terminal; and for each of the plurality of requests, establishing a communication sub-channel associated with the primary web socket connection, each communication sub-channel corresponding to a respective customer service session.

公开(公告)号：US11972029B2

公开(公告)日：2024-04-30

申请号：US18192347

申请日：2023-03-29

Applicant: The Toronto-Dominion Bank

Inventor： Dino Paul D'Agostino

IPC: G06F21/64 ,  G06F16/23 ,  G06F21/62 ,  G06F21/72

CPC classification number: G06F21/64 ,  G06F16/2379 ,  G06F21/6245 ,  G06F21/72

Abstract: A system and method are provided for providing trusted links between applications. The method is executed by a registry server device. The method includes storing in a database coupled to the registry server device, query parameters for a plurality of applications; receiving, from a first application, a first request to obtain a trusted link to communicate with a second application; providing the trusted link, wherein the trusted link is signed by the registry server device and identifies one or more query parameters of the first request; sending to the first application, a first response comprising the trusted link; receiving, from the second application, a second request to verify, at least in part, permissions defined by the one or more query parameters identified based on to the trusted link; and sending to the second application a second response comprising a result of the verification that enables the second application to verify that the signed trusted link was not tampered with and that the one or more query parameters of the first request have not been tampered with.