The Toronto-dominion Bank

Sarabjit Singh Walia

John Jong-Suk Lee

Arun Victor Jagga

Vipul Kishore Lalka

Dean C N Tseretopoulos

Dino Paul D'Agostino

Rakesh Thomas Jethwa

Gregory Richard Harper

Denny Devasia Kuruvilla

Robert Alexander McCarter

Paige Elyse Dickie

Nadia Moretti

Milos Dunjic

Edward Robert Lucas Lounsbury

Paul Mon-Wah Chan

Tae Gyun Moon

John Jong Suk Lee

Thomas M Kerigan

Richard Thomas

Dean Tseretopoulos

Robert Trojan

Jeffrey A Martin

John William Thomas

Michael W Van Eesbeek

Diane Lee

Simona Heath

Sarir Nasim

Dean Constantin Nicholas Tseretopoulos

Milo Dunjic

The present disclosure involves systems, software, and computer implemented methods for intercepting data exchange requests and automatically imposing a hold period while the data exchange is evaluated for a user profile initiating the request. One example system includes operations to detect a data exchange request prior to completion of the attempted data exchange, the data exchange request including information defining the attempted data exchange and associated wherein the attempted data exchange is associated with a particular user profile. A portion of the information is transmitted to a data exchange analysis system for execution of a user profile-specific data exchange analysis based on the information and a status of the user profile. A hold state is initiated for the data exchange request while the analysis is performed. The results of the analysis are presented and a confirmation to proceed is required before allowing the attempted data exchange to be processed.

Automatic digital personal assistant interjection for delaying data exchange outcomes

The present disclosure involves systems, software, and computer implemented methods for presenting recommendations for suggested activities. One example method includes receiving a first signal from a device that includes a current context of the device that includes location information for the device. The device is associated with a particular profile. A preferred language associated with the device is determined from the profile. The profile is analyzed to determine a contextual activity preference associated with the device. A repository of establishment information is searched to identify an activity that matches the current context associated with the device and the contextual activity preference. An activity description of the identified activity is translated from a foreign language to the preferred language to create a translated activity description. A second signal is transmitted to the device that includes the translated activity description for presentation at the device.

Contextually-aware recommendation and translation engine

A data management device, communication system and methods for tagging data in a data table and triggering automated action. A data management device receives from a first data provider one or more records of a data table, each record comprising a plurality of fields. The data table is associated with an account having one or more authorized users. The plurality of fields each has a value set by the first data provider. The data manger determines one or more tags for the one or more records in accordance with a plurality of autotagging rules. The data manger appends the one or more records to include one or more tag fields corresponding to the one or more tags for the one or more records. The appended records are stored in a database. One or more automated actions may be triggered based on one or more tag fields of one or more of the plurality of records.

Data management device, communication system and methods for tagging data in a data table and triggering automated actions

A method and system are provided for processing context data for interaction sessions for providing a subset of the context data for a first interaction session. The method includes detecting the first interaction session between a request initiator and a request service provider, and obtaining context data of a plurality of other interaction sessions. The context data is related to activity of the request initiator. The method also includes selecting the subset of the context data based on at least one of relevance, similarities and differences to at least one of the first interaction session and type of interaction channel. The subset of the context data is then provided for the first interaction session.

System and method for generating an interaction request

The present disclosure involves systems, software, and computer implemented methods for personalizing interactions within a conversational interface based on an input context. One example system performs operations including receiving a conversational input received via a conversational interface. The conversational input is analyzed to determine an intent and lexical personality score based on the input's characteristics. A set of responsive content is determined and includes a set of initial tokens representing an initial response. A set of synonym tokens associated with at least some of the initial tokens are identified, and at least one synonym token associated with a similar lexical personality score to the input is determined. At least one of the initial tokens are replaced with the determined synonym token to generate a modified version of the set of response content. The modified version of the response is then transmitted to a device in response to the input.

Conversational interface determining lexical personality score for response generation with synonym replacement

Methods and devices for generated and handling an alert are described. In one aspect, an electronic device includes an input interface and an output interface. The electronic device also includes a memory storing an application and a processor coupled to the input interface, the output interface and the memory. The processor is configured to generate a selectable alert on the output interface while the electronic device is in a device lock mode. The selectable alert is associated with the secure application. The processor is also configured to, while the electronic device is in the device lock mode, receive, from the input interface, a signal representing a command to activate the selectable alert. The processor is also configured to, responsive to receiving the command to activate the selectable alert, execute a secure event in the secure application while the electronic device remains in the device lock mode.

Device lock bypass on selectable alert

The present disclosure involves systems, software, and computer implemented methods for personalizing interactions within a conversational interface based on an input context. One example system performs operations including receiving a conversational input via a conversational interface associated with a particular user profile. The input is analyzed via a natural language processing engine to determine an intent and a personality input type. A persona response type associated with the determined personality input type is identified, and responsive content is determined. A particular persona associated with the particular user profile based on a related set of social network activity information associated with the user profile and that corresponds to the identified persona response type is identified. The responsive content is modified by applying persona-related content associated with the identified particular persona to generate a persona-associated response, and the persona-associated response is transmitted to a device associated with the particular user profile.

Persona-based conversational interface personalization using social network preferences

There is provided a computing device and method to perform a data transfer using a document. Data to define at least one parameter of a data transfer is defined from data in the document. The document may have text characters or images of text characters (or both) for the data. A GUI may display the document and receive input to identify the data and define the at least one parameter. The document image may be processed to determine the text characters such as by OCR. The document may be a photo (image) captured by a camera on or coupled to the computing device. A GUI may be defined to provide workflow to define the data transfer signal such as a message. Functionality to capture text characters from documents, particularly images, may be added to applications such as via a plug in or otherwise.

Computing device and method to perform a data transfer using a document

A data management device, communication system and methods for tagging data in a data table and triggering automated action. A data management device receives from a first data provider one or more records of a data table, each record comprising a plurality of fields. The data table is associated with an account having one or more authorized users. The plurality of fields each has a value set by the first data provider. The data manger determines one or more tags for the one or more records in accordance with a plurality of autotagging rules. The autotagging rules include heuristic rules learned from user behavior and based on one or more of the plurality of fields of the record. The data manger appends the one or more records to include one or more tag fields corresponding to the one or more tags for the one or more records. The appended records are stored in a database. One or more automated actions may be triggered based on one or more tag fields of one or more of the plurality of records.

The present disclosure involves systems, software, and computer implemented methods for augmenting ping timing for mobile devices based on contextual analysis of a current data exchange based on historical data exchange data. One example system includes operations such as receiving information related to a current data exchange associated with a particular user profile. The current data exchange can be associated with a particular location, and each user profile can be associated with at least one data exchange pattern, where the data exchange pattern identifies a locational and a data exchange history of the user profile. The current data exchange is compared to a data exchange pattern of the particular user profile. If the current data exchange does not correspond, a request for the user's current location is transmitted to an associated user device. If the current data exchange does correspond, the current data exchange is associated with the particular location.

Contextual geo-location idling

Systems, software, and computer implemented methods for modifying triggered notifications associated with particular user profiles based on an analysis of contexts specific to the user profile. One example system includes operations for identifying a current user context associated with a user profile and a set of current user contexts associated with at least one user profile different than the particular user profile, the combination representing a relative user context. In response to determining that the relative user context satisfies at least one relative user context-specific contextual rules, the at least one triggered notification for the particular user profile can be modified based on a particular modification associated with the satisfied at least one relative user context-specific contextual rule. In no rules are satisfied, a first signal can be transmitted to the user device associated with the particular user profile with the triggered notification.

Dynamic notification engine for notification throttling based on contextual analysis

Systems, software, and computer implemented methods for modifying triggered notifications associated with particular user profiles based on an analysis of contexts specific to the user profile. One example system includes operations for identifying at least one satisfied notification rule for triggering notifications to a user device associated with at least one particular user profile. For each particular user profile, a current user context associated with the particular user profile, including a particular location, is identified. In response to determining that the particular location satisfies at least one location-specific contextual rule, the triggered notification for the particular user profile is modified based on the particular modification associated with the satisfied location-specific contextual rule. If the particular location does not satisfy at least one location-specific contextual rule, a first signal is transmitted to a user device associated with the particular user profile with the triggered notification.

Growing community of inventors

Demarest, NJ, United States of America

Sarabjit Singh Walia