Royal Bank of Canada

Chai Lam

Edison U Ortiz

Terry W Lee

Gabriel Y Woo

Judy Dinn

Stephen James Scott

Weiqiang Yin

Hannah McIsaac

Sidhant Kapahi

Kulbinder Mann

Maria Winslow

Lori May Beesack

Edward C Wong

Neda Paryab

Xuong Hue Tran

Kelly Goncalves

Weigiang Yin

Russell Goldman

Embodiments relate to web applications and interfaces providing personalized access to relevant wellness resources using microservices and machine learning models. Embodiments relate to web applications and interfaces that provide recommendations based on personas computed using machine learning models. The interfaces and web applications using microservices to provide interface tools that scale to multiple users.

Web application for service recommendations with machine learning

Systems, methods and 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 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. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.

Secure processing of electronic payments

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.

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 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. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.

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 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 (').

Computer-implemented systems and methods are provided for improved generation and control of conversations. A computing device is utilized to control or simulate conversation using estimated contextual cues extracted from profile information or prior responses. The computing device is configured to automatically tailor a flow of a conversation to an effort to improve relevancy and engagement without the need of a human operator to manually tailor the conversation, which, for example, could be impractically expensive. A structured workflow is maintained in the form of a series of conversation decisions, and a machine learning engine is utilized to maintain a continuously trained data structure that generates predictions that bias conversation decisions (e.g., by weighting tree options) for tailoring the conversation flow.

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Toronto, Canada

Chai Lam