The Toronto-dominion Bank

Joe Moghaizel

Paul Mon-Wah Chan

Jonathan K Barnett

Roisin Lara Fritz

Michael Grouios

Tricia Elizabeth Allen

John Jong-Suk Lee

John Jong Suk Lee

Peter Horvath

Gregory Richard Harper

Richard Thomas

Vanessa Li

Lawrence Anthony Allen

Kimberly Elizabeth Lam

Min Shen

Melanie Judith Mendoza

Alexandra Antonucci

Audrey Madeleine Carr

Aline Da Rosa Alves

Brian Bellwood

Natalie Thien Huong Cornwall

Ryan Wall

Stella Pui Kwan Chan

Venetia D'Souza

Christopher Michael Arthur Caravan

Pranavan Premathas

Sahifa Habib Qazi

Bridget McDermid

Mah Noor Siddiqui

Jeffery David True

Antonucci Alexandra,

Roisin Fritz

John Jong Lee

Aline Da Alves

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.

System and method for analyzing and reacting to interactions between entities using electronic communication channels

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.

Systems and methods for allocating shared resources

Methods and devices for controlling display of a user interface. A computing device configured to enable data exchanges in connection with accounts, including a credit account, determines whether a requested data exchange with the credit account will result in the credit account exceeding a utilization threshold. If not, a standard interface for completing the data exchange is displayed. If the data exchange will result in exceeding the threshold, then a modified interface is displayed. The modified interface enables completion of the data exchange within a minimum time period longer than the minimum time period within which the data exchange may be completed through the standard interface. Example modifications include adding an input element or field, adding delay to display or rendering of graphics, adding pop-ups, or removing pre-populated selections or values, among others.

Systems and methods for dynamic user interface modification

The present disclosure involves systems and computer implemented methods for performing a failure analysis on a device monitored by at least one connected device, where in response to a determination of an impending failure, at least one corrective action is determined and suggested to the user of the monitored device. In one example, operations include monitoring operations of at least one monitored device using at least one connected device, determining a projected life span of the at least one monitored device based on the monitored operations, and, if the projected life span of the monitored device is less than a threshold amount, determining a corrective action to perform. A proposal can be generated for presentation based on the corrective action. The proposal may be based on the estimated cost of the determined corrective action and an analysis of an account.

Connected device-triggered failure analysis

The disclosed embodiments include methods and systems for providing context-based event determination and/or context-based event triggered product and/or service offerings. A system may automatically detect that a client has experienced, directly or indirectly, a personal event, (e.g. a birth, a wedding engagement, a death, a car accident) and use such context to trigger the offering of a product and/or service. Product and/or service data is maintained for respective products and/or services available to clients as is events data associating respective products and/or services to particular personal event scenarios. An offering of at least one product and/or service to provide the client may be determined following the receipt of a personal event scenario experienced by the client. Operations may be performed to communicate to another computer system across a network to provide to the client the offering of the at least one product and/or service.

Systems and methods for context-based event triggered product and/or service offerings

Growing community of inventors

Toronto, Canada

Joe Moghaizel