Royal Bank of Canada

Timothy Dean McGaugh

Edison U Ortiz

Hannah McIsaac

Terry W C Lee

Wei Liu

Jeremy Paul Bornstein

Vibhav Dindyal

Hung Phi Phillip Truong

Obakemi Rotimi-Fadipe

Victor Cheng

A method for generating a user profile based on a comparison to peer group data, the user being a member of an institution, the method comprising the steps of: obtaining user profile data pertaining to a user of a network service of the institution; accessing group profile data associated with the user; comparing the user profile data to the group profile data to generate comparative data; generating a user profile for presentation on a user interface, the user profile including the comparative data; sending the user profile to the user; receiving a request from the user for a product of institution; and updating the user profile to include information pertaining to the product.

System and method for generating and updating a user profile for an institution based on peer group data

A computer-implemented platform () for conducting an electronic payment transaction between a user () and a merchant () is provided. The platform () includes a computer system () configured for the generation of a data structure containing payment data; a mobile device () associated with a user () configured to use the data structure generated by the computer system () to communicate an electronic message reflecting payment instructions; and a merchant or processing terminal () configured for communication with the mobile device () to receive the electronic message, and formulate a request to process the electronic payment transaction. Corresponding methods and computer-readable media are also provided.

Systems for processing electronic transactions

Growing community of inventors

Toronto, Canada

Timothy Dean McGaugh