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：US20190306082A1

公开(公告)日：2019-10-03

申请号：US16254738

申请日：2019-01-23

Applicant: The Toronto-Dominion Bank

Inventor： Peter HORVATH ,  Gregory Richard HARPER ,  Richard THOMAS ,  Tricia Elizabeth ALLEN ,  Joe MOGHAIZEL ,  Aline da Rosa ALVES ,  Lawrence Anthony ALLEN ,  Kimberly Elizabeth LAM ,  Min SHEN ,  Melanie Judith MENDOZA ,  Vanessa LI ,  Alexandra ANTONUCCI ,  Audrey Madeleine CARR

IPC: H04L12/911 ,  G06Q40/00 ,  G06Q20/20

Abstract: Systems and methods for allocating resources. The system includes a communications module, a processor, and a memory. The memory stores a data record and instructions that, when executed, configure the processor to obtain a data record and transmit an existing score indication corresponding to the data record for display at the client device; receive a first time parameter and an action indicator associated with a shared resource and, in response, determine a first provisional score corresponding to the data record based on the existing score indication, the action indicator, and the first time parameter to provide a first provisional score indication; transmit the first provisional score indication and a selectable option associated with the action indicator for display at the client device while the first provisional score indication is displayed; and in response to receiving a resource transfer instruction, allocate the shared resource associated with the action indicator.

公开(公告)号：US20210075741A1

公开(公告)日：2021-03-11

申请号：US17100255

申请日：2020-11-20

Applicant: The Toronto-Dominion Bank

Inventor： Peter HORVATH ,  Gregory Richard HARPER ,  Richard THOMAS ,  Tricia Elizabeth ALLEN ,  Joe MOGHAIZEL ,  Aline da Rosa ALVES ,  Lawrence Anthony ALLEN ,  Kimberly Elizabeth LAM ,  Min SHEN ,  Melanie Judith MENDOZA ,  Vanessa LI ,  Alexandra ANTONUCCI ,  Audrey Madeleine CARR

IPC: H04L12/911 ,  G06Q20/20 ,  G06Q40/00

Abstract: Systems and methods for allocating resources. The system includes a communications module, a processor, and a memory. The memory stores a data record and instructions that, when executed, configure the processor to obtain a data record and transmit an existing score indication corresponding to the data record for display at the client device; receive a first time parameter and an action indicator associated with a shared resource and, in response, determine a first provisional score corresponding to the data record based on the existing score indication, the action indicator, and the first time parameter to provide a first provisional score indication; transmit the first provisional score indication and a selectable option associated with the action indicator for display at the client device while the first provisional score indication is displayed; and in response to receiving a resource transfer instruction, allocate the shared resource associated with the action indicator.

公开(公告)号：US20170124642A1

公开(公告)日：2017-05-04

申请号：US15285539

申请日：2016-10-05

Applicant: The Toronto-Dominion Bank

Inventor： Jonathan K. Barnett ,  Paul Mon-Wah CHAN ,  Roisin Lara FRITZ ,  John Jong Suk LEE ,  Michael GROUIOS ,  Joe MOGHAIZEL

IPC: G06Q40/02 ,  G06Q30/02

CPC classification number: G06Q40/02 ,  G06Q30/0269 ,  G06Q30/0631

Abstract: The disclosed embodiments include methods and systems for providing context-based event determination and/or context-based event triggered financial product offerings. Scenario modeling data is maintained for a plurality of personal event scenarios. Personal event data representing a personal spike for a user of a client device is received from one or more computer systems over a network where the personal spike comprises an instance of personal event data that deviates from a baseline of personal event data determined for the user. Contextual data related to the personal event data is collected from one or more computers. Using the scenario modeling data, contextual data and the personal event data identifying the at least one personal spike, likely personal event scenarios consistent with the contextual data are identified. Methods and systems to establish a personal baseline from instances of personal event data are also described.