The Toronto-dominion Bank

Maryam Karbasi

Peter Horvath

John Jong-Suk Lee

Milos Dunjic

Arun Victor Jagga

David Samuel Tax

Arthur Carroll Chow

Kushank Rastogi

Robert Kyle Miller

Nasim Sarir

Armon Rouhani

Rajeev Kumar Gandhi

Kamana Tripathi

Ekas Kaur Rai

Vanessa Li

Roozbeh Rokni

Yana Tzanov

Andrew Jhamiel Montgomery

Matthew James Lee

A system and method are provided for providing advisory notifications to mobile applications. The method includes interfacing the server device with at least one endpoint within an enterprise system and storing a model trained by a machine learning engine to automatically determine advisory notifications relevant to client data sets stored by the endpoint(s) and/or the at least one endpoint. The method also includes determining a current state of a client account, using the model to determine an advisory notification for the client account based on the current state, referring to a set of rules to determine when to provide the advisory notification in the mobile application, and in what portion of the mobile application to display the notification; and sending the advisory notification via the communications module to a client device to display the advisory notification in the mobile application.

System and method for providing advisory notifications to mobile applications

There is a provided an apparatus and method to securely communicate an order by efficiently invoking a program application on a computing device. The computing device may operate to receive and present a push notification, even while in a locked state, where the push notification requests input to initiate a performance of a task that is associated with an application defined by instructions stored on the computing device. The computing device receives input and initiates the performance of the task without fully loading the application into an operating memory. The input may initiate a communication of a message to a remote processing system to execute the order.

Apparatus and method to securely instruct an order by efficiently invoking a program application on a computing device

A system and method are provided for providing personalized notifications in mobile applications. The method includes receiving from an enterprise system, transactional activity data associated with a user of a client device; and receiving from at least one loyalty system, loyalty data associated with loyalty offers eligible to the user of the client device. The method also includes analyzing the activity data and the loyalty data to correlate at least one spending indicator from the activity data with at least one of the eligible loyalty offers and generating a personalized notification based on a correlation determined from the analyzing. The method also includes integrating the personalized notification into a graphical user interface of a mobile application provided by the enterprise system, receiving an indication of the selected loyalty offer, and sending to the corresponding loyalty system, an instruction to execute the selected eligible loyalty offer.

System and method for providing personalized notifications in mobile applications

The present disclosure involves systems, software, and computer implemented methods for a remittance system that pre-populates remittance data based on historical usage of remittance transactions. One example system includes operations to generate, using a predictive model, data indicating a predicted likelihood of a user selecting at least one data exchange transaction, wherein the data indicates the predicted likelihood of the user performing the at least one data exchange transaction. A request is received to access a remittance page. In response, the at least one data exchange transaction that was previously generated is selected from a repository of predicted likelihoods. Remittance data associated with a UI element is generated that includes the at least one data exchange transaction. The remittance data is transmitted to the device. An indication from the device is received for interacting with the UI element. The data exchange transaction is executed in response to receiving the indication.

Adaptive remittance learning

Growing community of inventors

Toronto, Canada

Maryam Karbasi