-
公开(公告)号:US20230289793A1
公开(公告)日:2023-09-14
申请号:US18199809
申请日:2023-05-19
申请人: ROYAL BANK OF CANADA
发明人: Edison U. ORTIZ , Terry W. LEE , Gabriel Y. WOO , Stephen James SCOTT , Weiqiang YIN , Judy DINN , Chai LAM
CPC分类号: G06Q20/40 , G06Q20/12 , G06Q20/023
摘要: Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems include trusted platforms by which networked communication devices and merchant systems may be registered as trusted entities. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets, or in the form of secure payment tokens. Common application programming interfaces executed by devices may facilitate push and pull processes between electronic wallets and other secure data stores. Users may thereby initiate and complete electronic transactions directly from within applications on trusted devices.
-
公开(公告)号:US20230289752A1
公开(公告)日:2023-09-14
申请号:US18199101
申请日:2023-05-18
申请人: ROYAL BANK OF CANADA
CPC分类号: G06Q20/0658 , H04L9/0894 , G06Q20/3829 , G06Q20/389 , G06Q20/065 , G06Q20/3678 , G06Q20/381 , G06Q20/401 , G06Q2220/00 , H04L2209/56 , H04L9/50
摘要: A system and method for handling crypto-asset transactions includes: receiving from a payment processing system an electronic transaction request including: a payment token corresponding to a payment identifier associated with the customer account, and a transaction amount in a fiat currency; determining current price data corresponding to a first crypto-asset and a second crypto-asset associated with the customer account; associating the electronic transaction request with at least one data processing task for executing at least one crypto-asset transaction; and when at least one crypto-asset confidence condition is satisfied based on the current price data of at least one of the first crypto-asset or the second crypto-asset, generating signals for providing, via the payment processing system, an indication that the electronic transaction request is authorized without waiting for confirmation of execution of the at least one crypto-asset transaction in the respective distributed ledger.
-
公开(公告)号:US11743052B2
公开(公告)日:2023-08-29
申请号:US17502888
申请日:2021-10-15
申请人: ROYAL BANK OF CANADA
发明人: Karim Talal Hamasni , Charles Plant St. Louis , Graham Henry Miller , Atilla Murat Firat , Ugobame I. Uchibeke , Joe Larizza , Ioannis Bakagiannis
CPC分类号: H04L9/3247 , G06Q20/02 , G06Q20/3825 , G06Q20/401 , H04L9/3239 , G06Q2220/00 , H04L9/50 , H04L2209/56
摘要: Current systems for data authentication, such as in the course of financial transactions to comply with anti-money laundering and know-your-customer legislation, are burdensome and inefficient for banks and their clients. A platform of some embodiments provides a system for utilizing distributed ledger technologies, such as a blockchain data structure residing on a distributed ledger. A client may use this blockchain data structure to register the client's personal information in a data object that then may be routed to specific identified trusted individuals who verify that the information in the data object is correct. Once verification is complete, the client or other trusted individuals may use the data object as necessary to register the client for various programs or services, such as additional bank services.
-
公开(公告)号:US11741070B2
公开(公告)日:2023-08-29
申请号:US17062900
申请日:2020-10-05
申请人: ROYAL BANK OF CANADA
发明人: Kostya Belezko , Brechann McGoey
CPC分类号: G06F16/2272 , G06F16/2264 , G06N7/01
摘要: Disclosed are systems, methods, and devices for pattern extraction. A graph data structure is generated, reflective of a directed graph having vertices representative of entities and edges representative of relationships between two entities. A subgraph data structure is generated, reflective of a plurality of subgraphs of the directed graph. A similarity matrix data structure is generated by applying a graph kernel to obtain a subgraph similarity matrix including a plurality of entries, each entry providing a score of the similarity between two subgraphs of the plurality of subgraphs. A clustering data structure is generated, reflective of a plurality of groups of the plurality entities upon processing the similarity matrix data structure. For at least a given one of the plurality of groups, a common pattern data structure is generated corresponding to a subgraph that is similar to subgraphs in the given group.
-
公开(公告)号:US20230252463A1
公开(公告)日:2023-08-10
申请号:US18133896
申请日:2023-04-12
申请人: ROYAL BANK OF CANADA
IPC分类号: G06Q20/38
CPC分类号: G06Q20/3829
摘要: A computer system and method for populating electronic payment credentials is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method comprises receiving a browser extension activation input, sending a payment details request message to a financial institution system, receiving payment details from the financial institution system following authentication at a mobile device, and populating a payment form on the browser using the payment details. Dynamic credentials are provided by the financial institution system and combined with pre-populated tokenized credentials during automatic entry into the payment form.
-
6.
公开(公告)号:US11720792B2
公开(公告)日:2023-08-08
申请号:US16944420
申请日:2020-07-31
申请人: ROYAL BANK OF CANADA
发明人: Matthew Edmund Taylor , Bilal Kartal , Pablo Francisco Hernandez Leal , Nathan Douglas , Dianna Yim , Frank Maurer
摘要: Disclosed are systems, methods, and devices for generating a visualization of a deep reinforcement learning (DRL) process. State data is received, reflective of states of an environment explored by an DRL agent, each state corresponding to a time step. For each given state, saliency metrics are calculated by processing the state data, each metric measuring saliency of a feature at the time step corresponding to the given state. A graphical visualization is generated, having at least two dimensions in which: each feature of the environment is graphically represented along a first axis; and each time step is represented along a second axis; and a plurality of graphical markers representing corresponding saliency metrics, each graphical marker having a size commensurate with the magnitude of the particular saliency metric represented, and a location along the first and second axes corresponding to the feature and time step for the particular saliency metric.
-
公开(公告)号:US11715465B2
公开(公告)日:2023-08-01
申请号:US17170682
申请日:2021-02-08
申请人: ROYAL BANK OF CANADA
发明人: MohammadHosein Ahmadidaneshashtiani , Ian Robert Middleton , Shawn Harold Munro , Darren Michael MacNamara , Bo Sang , Devina Jaiswal , Hanke Liu , Kylie To
IPC分类号: G10L15/19 , G06F40/284
CPC分类号: G10L15/19 , G06F40/284
摘要: A de-coupled computing infrastructure is described that is adapted to provide domain specific contextual engines based on conversational flow. The computing infrastructure further includes, in some embodiments, a mechanism for directing conversational flow in respect of a backend natural language processing engine. The computing infrastructure is adapted to control or manage conversational flows using a plurality of natural language processing agents.
-
公开(公告)号:US11714679B2
公开(公告)日:2023-08-01
申请号:US17380240
申请日:2021-07-20
申请人: ROYAL BANK OF CANADA
发明人: Hasham Burhani , Zichang Long , Jonathan Cupillari
CPC分类号: G06F9/50 , G06F9/48 , G06F9/4881 , G06F9/5005 , G06N5/00 , G06N20/00 , G06Q40/00
摘要: A system for reinforcement learning in a dynamic resource environment includes at least one memory and at least one processor configured to provide an electronic resource environment comprising: a matching engine and the resource generating agent configured for: obtaining from a historical data processing task database a plurality of historical data processing tasks, each historical data processing task including respective task resource requirement data; for a historical data processing task of the plurality of historical data processing tasks, generating layers of data processing tasks wherein a first layer data processing task has an incremental variant in its resource requirement data relative to resource requirement data for a second layer data processing task; and providing the layers of data processing tasks for matching by the machine engine.
-
公开(公告)号:US11700257B2
公开(公告)日:2023-07-11
申请号:US17692637
申请日:2022-03-11
申请人: ROYAL BANK OF CANADA
发明人: Edison U. Ortiz , Arya Pourtabatabaie , Ambica Pawan Khandavilli , Margaret Inez Salter , Jordan Alexander Richards , Iustina-Miruna Vintila , Sarah Rachel Waigh Yean Wilkinson
CPC分类号: H04L63/10 , H04L9/0894 , H04L9/30 , H04L9/3218 , H04L9/3234 , H04L9/3247
摘要: A computer implemented system for controlling access to data associated with an entity includes a data storage device having a protected memory region, and one or more processors, at least one of which is operable in the protected memory region. The one or more processors are configured for: storing a secret key associated with the entity in a portion of the protected memory region associated with the entity; upon receiving entity data, storing the entity data in the portion of the protected memory region associated with the entity; and upon receiving an access grant signal, generating a smart contract, the smart contract defining the entity data to be accessed and a recipient of the entity data to be accessed.
-
公开(公告)号:US11699152B2
公开(公告)日:2023-07-11
申请号:US17389984
申请日:2021-07-30
申请人: ROYAL BANK OF CANADA
发明人: Stephen James Scott , Weiqiang Yin , Edison U. Ortiz , Terry W. Lee , Gabriel Y. Woo , Judy Dinn , Chai Lam
CPC分类号: G06Q20/40 , G06Q20/023 , G06Q20/12 , G06Q20/36
摘要: Systems (100, 900), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110′, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.
-
-
-
-
-
-
-
-
-