The Toronto-dominion Bank

Sangeeta Mathew

Arthur Carroll Chow

Darius Braziunas

Anand Pandey

Dino Paul D'Agostino

Tae Gyun Moon

Amanda Vanzante

Rinelda Nanushi

Pasqualino Spensieri

Mohamedhussein Hassanali

Sumit Bansal

Arun Victor Jagga

Ling Tao

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 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 provide, via the communications module and to a computing device, a graphical user interface that includes interface elements that represent a series of activation steps and identifies one of the activation steps as a current activation step, the representation of the current activation step selectable to communicate with a dedicated server computer system performing the current activation step to display information related to the current activation step; determine that the current activation step has been completed; and update the graphical user interface to disable the representation of the current activation step as selectable; identify another one of the activation steps as a next current activation step; and enable the representation of the next current activation step as selectable to communicate with a dedicated server computer system performing the next current activation step to display information relating to the next current activation step.

System and method for providing a graphical user interface

Systems and methods for processing data messages to determine a presentation mode to be used for displaying a prompt on a display with limited screen area. Messages are processed to determine a presentation mode and ranking, and then a prompt is displayed in a target area of the display that is visible with minimal user interaction.

Systems and methods for optimizing rendering for a space-constrained display

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.

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.

Growing community of inventors

Mississauga, Canada

Sangeeta Mathew