The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jun. 30, 2026
Filed:
Sep. 08, 2023
The Toronto-dominion Bank, Toronto, CA;
James Floyd, Toronto, CA;
Sumit Bansal, Toronto, CA;
The Toronto-Dominion Bank, Toronto, CA;
Abstract
The present disclosure generally relates to systems, software, and computer-implemented methods for action determination for a multiple-category model. One example method includes establishing secure communication channels with a plurality of systems where data for a user is stored. User data for one or more categories is received via the secure communication channels from the plurality of systems. For each category, a set of rules is applied to the user data for the category to generate a resiliency score for the category for the user. A set of recommended actions is generated for the user based on a comparison of the resiliency score for a category to a threshold score for the category. A dynamic user interface is provided that uses the resiliency scores and the sets of recommended actions to display an interactive resiliency visual with which the user can interact. Machine learning may be applied to generate resiliency scores.