The Toronto-dominion Bank

Ling Tao

Arun Victor Jagga

Paul Mon-Wah Chan

Arthur Carroll Chow

Darius Braziunas

Sangeeta Mathew

John Jong Lee

Perry Aaron Haldenby

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

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Toronto, Canada

Ling Tao