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    EVENT PREDICTION USING CLASSIFIER AS COARSE FILTER
    1.
    发明申请
    EVENT PREDICTION USING CLASSIFIER AS COARSE FILTER 有权

    公开(公告)号：US20220309573A1

    公开(公告)日：2022-09-29

    申请号：US17842321

    申请日：2022-06-16

    Applicant: The Toronto-Dominion Bank

    Inventor： Sangeeta MATHEW ,  Darius BRAZIUNAS ,  Arthur Carroll CHOW ,  Ling TAO ,  Arun Victor JAGGA

    IPC: G06Q40/02 ,  G06N20/00

    Abstract: In an aspect, the present application describes a method including: obtaining account data associated with an account; passing at least some of the account data through a non-sufficient funds classifier, the non-sufficient funds classifier being a machine learning classifier configured to classify the account as either likely to have a non-sufficient funds event or unlikely to have a non-sufficient funds event, the machine learning classifier configured to evaluate a plurality of parameters associated with the account data; in response to determining that the account is likely to have a non-sufficient funds event, forecasting a balance for the account, wherein forecasting the balance for the account includes; and providing, to a client device associated with the account, a notification based on a forecasted balance.

    IDENTIFYING RECURRENT TRANSFER PATTERNS FOR AN ACCOUNT FROM PATTERNS FOR OTHER ACCOUNTS
    2.
    发明申请
    IDENTIFYING RECURRENT TRANSFER PATTERNS FOR AN ACCOUNT FROM PATTERNS FOR OTHER ACCOUNTS 有权

    公开(公告)号：US20210103980A1

    公开(公告)日：2021-04-08

    申请号：US16592985

    申请日：2019-10-04

    Applicant: The Toronto-Dominion Bank

    Inventor： Sangeeta MATHEW ,  Darius BRAZIUNAS ,  Arthur Carroll CHOW ,  Ling TAO ,  Arun Victor JAGGA

    IPC: G06Q40/02 ,  G06Q20/10

    Abstract: In an aspect, the present application describes a method including: identifying, from a set of accounts each having a transfer listing that includes a plurality of transfers with a first counterparty, a first rule; identifying, for a first account not included in the set of accounts, an initial transfer with the first counterparty; identifying one or more projected future transfers for first account based on a date associated with the initial transfer and the first rule; detecting one or more further transfers with the first counterparty from the transfer listing for the first account; determining, based on the one or more further transfers and the initial transfer, that a second rule matches a pattern defined by the further transfers and the initial transfers better than the first rule; and providing a notification to a client device associated with the first account based on the second rule.

    EVENT PREDICTION USING CLASSIFIER AS COARSE FILTER
    4.
    发明申请
    EVENT PREDICTION USING CLASSIFIER AS COARSE FILTER 有权

    公开(公告)号：US20210103979A1

    公开(公告)日：2021-04-08

    申请号：US16592966

    申请日：2019-10-04

    Applicant: The Toronto-Dominion Bank

    Inventor： Sangeeta MATHEW ,  Darius BRAZIUNAS ,  Arthur Carroll CHOW ,  Ling TAO ,  Arun Victor JAGGA

    IPC: G06Q40/02 ,  G06N20/00

    Abstract: In an aspect, the present application describes a method including: obtaining account data associated with an account; passing at least some of the account data through a non-sufficient funds classifier, the non-sufficient funds classifier being a machine learning classifier configured to classify the account as either likely to have a non-sufficient funds event or unlikely to have a non-sufficient funds event, the machine learning classifier configured to evaluate a plurality of parameters associated with the account data; in response to determining that the account is likely to have a non-sufficient funds event, forecasting a balance for the account, wherein forecasting the balance for the account includes; and providing, to a client device associated with the account, a notification based on a forecasted balance.

    SYSTEMS AND METHODS FOR IDENTIFYING RECURRENT TRANSFER PATTERNS
    5.
    发明申请
    SYSTEMS AND METHODS FOR IDENTIFYING RECURRENT TRANSFER PATTERNS 有权

    公开(公告)号：US20210103908A1

    公开(公告)日：2021-04-08

    申请号：US16592894

    申请日：2019-10-04

    Applicant: The Toronto-Dominion Bank

    Inventor： Sangeeta MATHEW ,  Darius BRAZIUNAS ,  Arthur Carroll CHOW ,  Ling TAO ,  Arun Victor JAGGA

    IPC: G06Q20/22 ,  G06N5/04

    Abstract: In an aspect, the present application describes a computer-implemented method including: storing a set of candidate rules, the set of candidate rules defining payment cycles; identifying, from a transaction history for an account, an actual set of transfers made to a first recipient; identifying a first reference transfer from the actual set of transfers; for each of at least a plurality of candidate rules in the set of candidate rules, identifying, based on the first reference transfer, an expected set of transfers for that candidate rule; identifying one of the candidate rules as a closest rule for the actual set of transfers; identifying a future expected transfer based on the identified one of the candidate rules; and providing a notification to a client device associated with the account of the future expected transfer.

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