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公开(公告)号：US20250071070A1
公开(公告)日：2025-02-27
申请号：US18665810
申请日：2024-05-16
Applicant: The Toronto-Dominion Bank
Inventor： David Samuel TAX , Milos DUNJIC , Pranay Chander GUPTA , Hitesh BAJAJ , Kushank RASTOGI , Abeera AGUIAR
IPC: H04L47/70 , G06Q40/04 , H04L47/762
Abstract: Methods and computer systems for locking in offsets associated with resource requests. Receiving input of a resource request amount for a resource request, the resource request associated with a defined period of time and a property. Determining, based on data indicating one or more characteristics of the property, a metric representing an expected quantity of emissions over the defined period of time. Identifying an application programming interface capable of processing a request to lock in an amount for an offset product. Using the application programming interface and the metric to determine an offset amount to offset the expected quantity of emissions. Determining a periodic data transfer amount for the resource request that is based on the resource request amount and the offset amount. Outputting the periodic data transfer amount. Receiving an instruction to initiate the resource request and using the application programming interface to lock in the offset amount.
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公开(公告)号：US20250068853A1
公开(公告)日：2025-02-27
申请号：US18940995
申请日：2024-11-08
Applicant: The Toronto-Dominion Bank
Inventor： Tsung-Jung LU
Abstract: A system comprises a communications module; at least one processor coupled with the communications module; and a memory coupled to the at least one processor and storing processor-executable instructions which, when executed by the at least one processor, configure the at least one processor to provide, via the communications module, a first encryption key of an encryption key pair to a client device; receive, via the communications module and from a conversation agent server, a fulfillment request based on a natural language input transmitted from the client device to the conversation agent server; determine that the fulfillment request includes a request for personal data; obtain the requested personal data; encrypt the personal data with a second encryption key of the encryption key pair; and provide, via the communications module and to the conversation agent server, the encrypted personal data for transmission to the client device.
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公开(公告)号：US20250068646A1
公开(公告)日：2025-02-27
申请号：US18937780
申请日：2024-11-05
Applicant: The Toronto-Dominion Bank
Inventor： Syeda Suhailah Rahman , Nithin Balaji Venkatnarayanan , Nayomi Jayatileke , Khanh D. Tran , Mukul Gulati
Abstract: Computer-implemented systems and methods for synchronizing data for dataset execution. The system includes a source database that stores a canonical dataset, a secondary database that stores a processed dataset, and a synchronization server that comprises a processor and a memory. The processor is configured to monitor for a publication of one or more source tables and when the publication is detected, identify the processed tables, corresponding to the source tables, to be updated in the processed dataset. The processor determines a tolerance level corresponding to each processed table and updates the processed tables in the processed dataset. The processor 10 determines whether the processed tables in the processed dataset were successfully updated within the tolerance levels and transmits a notification based on determining whether the processed tables in the processed dataset were successfully updated within the tolerance levels.
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公开(公告)号：US20250061211A1
公开(公告)日：2025-02-20
申请号：US18934780
申请日：2024-11-01
Applicant: THE TORONTO-DOMINION BANK
Inventor： Michael David Terrance HOLMES , Adam Nicholas KLICKERMANN , Ashik ALI , Michael James TAGGART
IPC: G06F21/60 , G06F16/903 , G06F21/10 , G06F21/62
Abstract: The disclosed embodiments include computer-implemented apparatuses and processes that resolve securely email-based queries involving confidential third-party data. For example, an apparatus may receive message data associated with an inquiry from a first computing system. The message data includes encrypted interlaced data, an identifier, and temporal data, and when a structure of the message data corresponds to an expected structure, the apparatus generates a decryption key based on at least one of the identifier or the temporal data, and decrypts the encrypted interlaced data using the decryption key. Based on a portion of the decrypted interlaced data, the apparatus requests and receives a response to the inquiry from a second computing system, and transmits at least a portion of the response to the first computing system, which presents the portion of the response within a digital interface.
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公开(公告)号：US12217011B2
公开(公告)日：2025-02-04
申请号：US17533358
申请日：2021-11-23
Applicant: The Toronto-Dominion Bank
Inventor： Yaqiao Luo , Jesse Cole Cresswell , Kin Kwan Leung , Kai Wang , Atiyeh Ashari Ghomi , Caitlin Messick , Lu Shu , Barum Rho , Maksims Volkovs , Paige Elyse Dickie
IPC: G06F40/40
Abstract: The disclosed embodiments include computer-implemented processes that generate adaptive textual explanations of output using trained artificial intelligence processes. For example, an apparatus may generate an input dataset based on elements of first interaction data associated with a first temporal interval, and based on an application of a trained artificial intelligence process to the input dataset, generate output data representative of a predicted likelihood of an occurrence of an event during a second temporal interval. Further, and based on an application of a trained explainability process to the input dataset, the apparatus may generate an element of textual content that characterizes an outcome associated with the predicted likelihood of the occurrence of the event, where the element of textual content is associated with a feature value of the input dataset. The apparatus may also transmit a portion of the output data and the element of textual content to a computing system.
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Patent Agency Ranking
公开(公告)号：US20250029012A1
公开(公告)日：2025-01-23
申请号：US18908634
申请日：2024-10-07
Applicant: The Toronto-Dominion Bank
Inventor： Barum RHO , Kin Kwan Leung , Maksims Volkovs , Tomi Johan Poutanen
Abstract: The disclosed embodiments include computer-implemented processes that flexibly and dynamically analyze a machine learning process, and that generate analytical output characterizing an operation of the machine learning process across multiple analytical periods. For example, an apparatus may receive an identifier of a dataset associated with the machine learning process and feature data that specifies an input feature of the machine learning process. The apparatus may access at least a portion of the dataset based on the received identifier, and obtain, from the accessed portion of the dataset, a feature vector associated with the machine learning process. The apparatus may generate a plurality of modified feature vectors based on the obtained feature vector, and based on an application of the machine learning process to the obtained and modified feature vectors, generate and transmit, to a device, first explainability data associated with the specified input feature for presentation within a digital interface.
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公开(公告)号：US20250028934A1
公开(公告)日：2025-01-23
申请号：US18353658
申请日：2023-07-17
Applicant: The Toronto-Dominion Bank
Inventor： Ling Wong , Mahdi Ghelichi , Amin Haeri , Lily Jan Jaroszek
IPC: G06N3/0455 , G06N3/0442 , G06N20/20
Abstract: Systems and methods for computing time series predictions are provided, including a two-stage classifier-and-regressor processor. The classifier is trained on the complete data set while the regressor is trained on a pruned dataset. The classifier includes an Extreme Gradient Boosting classifier. The regressor includes an attention mechanism and a Long Short-Term Memory (LSTM) neural network. For a series of successive time period computations, a current output of the LSTM neural network is recursively fed back as an input to the attention mechanism for a subsequent time period computation. The output of the regressor is scaled by the output of the classifier to adjust for overfitting caused by the pruned training dataset.
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公开(公告)号：US20250028852A1
公开(公告)日：2025-01-23
申请号：US18353526
申请日：2023-07-17
Applicant: The Toronto-Dominion Bank
Inventor： Wojciech Chowanski , Méliné N. Nikoghossian
Abstract: Computer-implemented systems and methods for tokenization. The system includes a network, at least one token database coupled to the network, and a batch tokenization server coupled to the at least one token database via the network, the server having a token table. The server is configured to receive at least one batch request comprising a delta table. In response to the batch request, the server retrieves a plurality of recent tokens from the at least one token database and updates the token table with the plurality of recent tokens. The server determines whether at least one payload to be tokenized from the delta table has a respective at least one corresponding entry in the token table. For each of the at least one corresponding entry that is not found in the token table, the server generates a new token and updates the at least one token database.
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公开(公告)号：US20250016239A1
公开(公告)日：2025-01-09
申请号：US18893761
申请日：2024-09-23
Applicant: The Toronto-Dominion Bank
Inventor： Adam Douglas MCPHEE , Matta WAKIM , Kyryll Odobetskiy , John Jong-Suk Lee , Arun Victor Jagga
IPC: H04L67/52 , G06Q30/0238
Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that automatically generate and provision notification data to a dynamically selected set of network-connected devices operating within a computing environment. For example, an apparatus receives a first signal including first information identifying first data exchanges initiated during a first temporal interval and compute, based on the first information, an expected value of a parameter of the first data exchanges during a second temporal interval. When the expected parameter value is inconsistent with a target parameter value, the apparatus loads, from a storage unit, second information characterizing a second data exchange capable of initiation during the second temporal interval, and generates and transmits a second signal, via the communications unit, to a client device disposed that is disposed proximate to a predetermined geographic position and that exhibits a first device characteristic associated with the second data exchange.
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公开(公告)号：US12190299B2
公开(公告)日：2025-01-07
申请号：US17752475
申请日：2022-05-24
Applicant: The Toronto-Dominion Bank
Inventor： Carlos Alejandro Kade , Anne Marie Morissette , Vijay Kumar , Caroline Bandiera , Adriann Teresa Coe
IPC: G06Q20/08
Abstract: In an aspect, a method performed at a server includes: receiving a message representing a request for a transfer; performing a series of automated processing operations on the message; providing, to a client device associated with an authenticated entity, a transfer interface, the transfer interface including an interface element for selecting the transfer; receiving an indication of a selection of the transfer; in response to receiving the indication of the selection, retrieving stage state data, the stage state data indicating a current one of the automated processing operations in the series; and sending, to the client device, an indication of the stage state data, wherein the client device is configured to update the transfer interface in response to receiving the indication to display a representation of the series of automated processing operations which identifies one of the processing operations in the series as a current processing operation.
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