The Toronto-dominion Bank

Rogers Communications Inc.

Rakuten Kobo Inc.

Darius Braziunas

Michael Pronski

Arthur Carroll Chow

Adrian Chung-Hey Ma

Sangeeta Mathew

Dino Paul D'Agostino

Tae Gyun Moon

Hyun Chul Lee

Michael Cvet

Jordan Christensen

Imran Ahmed Khan

Arun Victor Jagga

Periklis Andritsos

Neil Isaac

Shereeka Mcewan

Ling Tao

Inmar Ella Givoni

Francisco Estrada

Francisco Javier Estrada Guadarrama

A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to store, in a database and in association with a provider of one or more incentives, data associated with at least one bulk order of incentives, the data including identifying information of a purchaser of the at least one bulk order of incentives and a unique number for each incentive; authenticate a computing device associated with the provider of the one or more incentives; obtain, from the database, at least one graphical object associated with the provider of the one or more incentives; automatically generate a customized incentive interface by populating one or more interface elements of a white label incentive interface, the customized incentive interface including at least a summary of the at least one bulk order of incentives and the at least one graphical object associated with the provider of the one or more incentives; and send, via the communications module and to the computing device associated with the provider of the one or more incentives, a signal causing the computing device to display the customized incentive interface that includes at least the summary of the at least one bulk order of incentives and the at least one graphical object associated with the provider of the one or more incentives.

System and method for automatically generating a customized incentive interface

A computer server system comprises a communications module, a processor, and memory. The processor, upon executing stored instructions, receives a request to send a stored-value card to a recipient, including a personal message and identifying an actor; generates an audio component based at least on the personal message; obtain at least one image of the actor and generate a video component by augmenting one or more features of the at least one image of the actor based on one of the personal message or the audio component; generate an augmented personal message by combining the audio component and the video component; and sends the augmented personal message to a mobile device of the recipient. The video component may be generated using at least one of image processing or one or more animation tools.

System and method for providing an augmented personal message

A computer-implemented method is disclosed. The method includes: generating a unique code for a recipient of a value storage token; sending, to a messaging address associated with the recipient, a first message including a link for accessing a token provider selection interface; detecting activation of the link by the recipient; in response to detecting activation of the link by the recipient, providing, on a computing device associated with the recipient, the token provider selection interface; receiving, via the token provider selection interface, a selection of a first token provider; and in response to receiving the selection of the first token provider, sending a digital representation of the value storage token to the messaging address associated with the recipient.

System and method for optimized transfer of digital assets

A computer-implemented method is disclosed. The method includes: detecting a trigger condition associated with a data record based on monitoring data record operations in connection with the data record; in response to detecting the trigger condition, generating a first message object for the data record, the first message object being associated with at least one compatible access channel; storing the first message object in a memory, the first message object being stored in association with a set of one or more message objects for the data record, wherein the first set defines an order for the one or more message objects; detecting a data record operation via a first access channel; retrieving, from the memory, at least one message object of the set that is associated with the first access channel; and causing the at least one message object to be delivered via the first access channel.

Multi-channel messaging system

A computer server system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a requesting device, a signal that includes a request to send a stored-value card to a recipient, the request identifying one or more parameters of the stored-value card; generate the stored-value card and a three-dimensional object representing the stored-value card according to the one or more parameters; and send, via the communications module and to a mobile device of the recipient, a signal that includes the three-dimensional object representing the stored-value card for display in augmented reality.

System and method for providing a three-dimensional object representing a stored-value card for display in augmented reality

A computer-implemented method is disclosed. The method includes: receiving, via a client device, a request to process an order for value storage tokens, the request indicating at least one token provider and order parameters defining at least one denomination and a quantity of value storage tokens to be associated with the at least one denomination; establishing a communication connection with a server system associated with the at least one token provider through an application programming interface (API) for the at least one token provider; generating one or more API calls for requesting to obtain digital representations of the value storage tokens associated with the order; and receiving the digital representations of the value storage tokens associated with the order.

System and method for processing bulk transfer of digital assets

A computer-implemented method is disclosed. The method includes: detecting a trigger condition associated with a data record based on monitoring data record operations in connection with the data record; in response to detecting the trigger condition, generating a first message object for the data record, the first message object being associated with at least one compatible access channel and one or more defined rules for evaluating the first message object prior to delivery of the first message object to a recipient entity; storing the first message object in a memory, the first message object being stored in association with a first set of one or more message objects for the data record, wherein the first set defines an order for the one or more message objects; detecting a data record operation via a first access channel; retrieving, from the memory, at least one message object of the first set that is associated with the first access channel; and causing the at least one message object to be delivered to the recipient entity via the first access channel.

A computer-implemented method is disclosed. The method includes: receiving a request to process an order of a value storage token; sending, to a messaging address associated with a recipient entity, a first message including a unique link for accessing a token provider selection interface; detecting activation of the unique link by the recipient entity; in response to detecting activation of the unique link by the recipient entity, providing, on a computing device associated with the recipient entity, the token provider selection interface, wherein providing the token provider selection interface includes presenting only the one or more supported token providers as selectable options via the token provider selection interface; receiving, via the token provider selection interface, a selection of a token provider; in response to receiving the selection of the token provider: sending the digital representation of the value storage token to the messaging address associated with the recipient entity.

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.

Event prediction using classifier as coarse filter

Content Based Similarity Detection. A computer implemented method includes computing a hash of each word in a collection of books to produce a numerical integer token using a reduced representation and computing an Inverse Document Frequency (IDF) vector comprising the number of books the token appears in, for every token in the collection of books. The method also includes creating a token occurrence count vector for each book in the collection and normalizing the token occurrence count vector using the IDF vector to create a Term Frequency-Inverse Document Frequency (TF-IDF) vector. Further, the method includes reducing each TF-IDF vector by using random projections to obtain a final signature representing each book in the collection, reducing each TF-IDF vector by using random projections to obtain a final signature representing each book in the collection and using a trained machine learning algorithm, determining whether each of the list of candidate books is similar to the target book.

Content based similarity detection

A system and method for automatically identifying an electronic document. The method includes accessing, within an electronic device, an electronic document and extracting text from the electronic document. A signature is then determined based on the text of the electronic document and the signature is communicated over a communication channel. The method further includes receiving an identifier of the electronic document over the communication channel. In one embodiment, the identifier is determined by a server matching the signature against a signature library. The method further includes receiving a bookmark associated with the electronic document.

System and method for automatic electronic document identification

A document clustering system and method of assigning a document to a cluster of documents containing related content are provided. Each cluster is associated with a cluster summary describing the content of the documents in the cluster. The method comprises: determining, at a document clustering system, whether the document should be grouped with one or more previously created cluster summaries, the previously created cluster summaries being stored in a memory in a B-tree data structure; and if it is determined that the document should not be grouped with the one or more previously created cluster summaries, then creating, at a document clustering system, a cluster summary based on the content of the document and storing the created cluster summary in the B-tree data structure.

System and method for grouping multiple streams of data

A method and document separation system for separating a set of related documents is described. In one aspect, the method comprises: determining, on a document selection system, quality scores for a plurality of the documents in the set of related documents; obtaining a similarity score for a plurality of pairs of documents in the set of related document; and on a document selection system, obtaining a first subset of related documents which solves an optimization problem, the first subset of related documents including a portion of the document in the set of related documents, the optimization problem being a function of one or more quality scores of the documents assigned to the first subset of related documents and one or more similarity scores of pairs of documents assigned to the first subset of related documents.

System and method for filtering documents

Document cluster ranking systems and methods of ranking document clusters are described. In some example embodiments, the method comprises: obtaining, at a document cluster ranking system, a value associated with a first feature for each of a plurality of document clusters; based on the values associated with the first feature, automatically generating, at the document cluster ranking system, a plurality of first feature bins, each first feature bin defining a range of values and a bin identifier; and obtaining a score for one of the document clusters, by: i) identifying the first feature bin having a range of values which includes the obtained value associated with the first feature for that one of the document clusters; and ii) determining a score for that document cluster based on the first feature bin identifier for the identified first feature bin.

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Toronto, Canada

Darius Braziunas