Royal Bank of Canada

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G06N 20/00 - Machine learning 71
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G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange 18
G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof 15
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists 15
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1.

HYBRID DATA-COMPUTE PLATFORM

      
Document Number 03214848
Status Pending
Filing Date 2023-09-29
Open to Public Date 2024-03-30
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Agrawal, Manoj
  • Modha, Gunjan

Abstract

A hybrid computer architecture a process providing flexible computing resources across a combination of on-premise computing resources and cloud-based computing resources.

IPC Classes  ?

  • G06F 9/50 - Allocation of resources, e.g. of the central processing unit [CPU]
  • G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
  • G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions

2.

SYSTEM AND METHOD FOR A MACHINE LEARNING ARCHITECTURE FOR RESOURCE ALLOCATION

      
Document Number 03210399
Status Pending
Filing Date 2023-08-28
Open to Public Date 2024-03-29
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Meng, Lili
  • Sylvain, Tristan Jean Claude
  • Abdi, Amir Hossein
  • Oliveira, Gabriel
  • Rakhmangulova, Yunduz
  • Yan, Yongmin
  • Wilson, Ella
  • Evans, Robert David
  • Irandoust, Saghar
  • Srinivasa, Christopher Cote

Abstract

A system and method for machine learning architecture for prospective resource allocations are described. The method may include: receiving data records representing historical resource allocations from a user account associated with a first identifier to a resource account associated with a second identifier; deriving input features based on the data records; computing, using a trained neural network architecture, a predicted resource allocation amount and a predicted resource allocation date for the predicted resource allocation amount based on the derived input features; determining, using the trained neural network architecture, a first selection score associated with the predicted resource allocation amount and a second selection score associated with the predicted resource allocation date; and when the first or second selection score is above a minimum threshold, causing to display, at a display device, the associated resource allocation amount or date corresponding to the second identifier.

IPC Classes  ?

  • G06Q 10/04 - Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem"
  • G06F 3/04847 - Interaction techniques to control parameter settings, e.g. interaction with sliders or dials
  • G06N 3/0442 - Recurrent networks, e.g. Hopfield networks characterised by memory or gating, e.g. long short-term memory [LSTM] or gated recurrent units [GRU]
  • G06Q 10/0631 - Resource planning, allocation, distributing or scheduling for enterprises or organisations
  • G06N 3/08 - Learning methods

3.

ACTOR MODEL PAYMENT PROCESSING ENGINE

      
Document Number 03214795
Status Pending
Filing Date 2023-09-28
Open to Public Date 2024-03-28
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Jiang, Shangjia
  • Ganapathy, Sohan
  • Marimuthu, Raju

Abstract

Methods, systems, and techniques for using an actor model payment processing engine to process payments. A payment instruction is received. An event corresponding to the payment instruction is stored in an event journal. The payment processing engine, which is event- sourced and actor- based, perfomis the payment instruction. Perfonning the payment instruction involves transitioning the engine through one or more states in response to the payment instruction, and may involve perfonning actions with non-event sourced and event sourced actors in both stateless and stateful environments.

IPC Classes  ?

  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/08 - Payment architectures
  • G06Q 20/22 - Payment schemes or models
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06F 8/656 - Updates while running
  • G06F 11/16 - Error detection or correction of the data by redundancy in hardware

4.

SYSTEMS AND METHODS FOR TOKEN-BASED BROWSER EXTENSION FRAMEWORK

      
Document Number 03212255
Status Pending
Filing Date 2023-09-08
Open to Public Date 2024-03-09
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Conway, David
  • Ershadi, Kouros

Abstract

A computer-implemented system and method for orchestrating at least two extensions installed on a browser and for authenticating a user are disclosed. An example method for orchestration includes: receiving, by an extension orchestrator, from a browser launched on a user device, a request from a first extension manager associated with a first extension installed on the browser, the request comprising a first extension ID for the first extension and a second extension ID for a second extension installed on the browser; retrieving, based on the first and second extension IDs, a first extension configuration for the first extension and a second extension configuration for the second extension from a metadata database; and routing a response to the first extension manager, the response comprising the first and second extension configurations and an extension ranking.

IPC Classes  ?

  • H04L 67/63 - Routing a service request depending on the request content or context
  • G06F 16/907 - Retrieval characterised by using metadata, e.g. metadata not derived from the content or metadata generated manually
  • G06F 16/95 - Retrieval from the web
  • H04W 12/041 - Key generation or derivation
  • H04W 12/069 - Authentication using certificates or pre-shared keys
  • H04W 12/084 - Access security using delegated authorisation, e.g. open authorisation [OAuth] protocol
  • H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system

5.

MULTICLOUD HOSTING FOR CONTAINERIZED APPLICATIONS

      
Document Number 03171983
Status Pending
Filing Date 2022-09-02
Open to Public Date 2024-03-02
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Tran, Vinh
  • Lau, Edmund
  • Abdolghafari, Mehrdad
  • Jastrzebski, Mike
  • Narine, Ranji

Abstract

A method for deploying a containerized application from a central application management hub to a plurality of cloud environments, the method comprising the steps of: receiving a containerized application suitable for deployment; receiving an environment file designating a first environment and a second environment of the plurality of cloud environments; consulting a routing table to determine a first network path associated with the first environment and a second network path associated with the second environment; generating packets of the containerized application; and sending the packets on the first network path and the second network path; wherein the containerized application is received by a respective operators of the first environment and the second environment for subsequent deployment.

IPC Classes  ?

6.

TRAINING OF LSTM NEURAL NETWORK TO MODEL AND PREDICT APPLICATION LOG SEQUENCES

      
Document Number 03209627
Status Pending
Filing Date 2023-08-18
Open to Public Date 2024-02-24
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Bajnathsingh, Reece
  • Rezaee, Milad
  • Amer, Farah
  • Lacey, Garret

Abstract

A method for training a neural network utilizing Long Short-Term Memory (LSTM) to model a computer application log as a natural language sequence comprises feeding a training set of application log files to a log file parser, generating, by the log file parser, a set of X application log clusters, where X is a whole number, feeding the whole number X to an untrained LSTM neural network as a hyperparameter representing a number of classes, and training the untrained LSTM neural network using the training set of log files and the hyperparameter X to obtain a trained LSTM neural network.

IPC Classes  ?

  • G06N 3/09 - Supervised learning
  • G06F 40/205 - Parsing
  • G06N 3/0442 - Recurrent networks, e.g. Hopfield networks characterised by memory or gating, e.g. long short-term memory [LSTM] or gated recurrent units [GRU]
  • G06F 11/30 - Monitoring

7.

METHOD AND SYSTEM FOR AGRICULTURAL GREENHOUSE GAS ESTIMATION

      
Document Number 03209733
Status Pending
Filing Date 2023-08-21
Open to Public Date 2024-02-24
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Cogan, Cogie
  • Tian, Yixin
  • Chen, Vicki
  • Macdonald, Myles
  • Watt, Graham Alexander
  • Berrill, Arthur Richard
  • Paxton, Melissa Lynne
  • Foisy, Daniel Gilles
  • Law, Po Lun

Abstract

Methods, systems, and techniques for agricultural greenhouse gas estimation. Farm data in the form of at least one of revenue generated by a farm, crop information for one or more crops grown on the farm, and land use/farm practice data for land used on the farm to grow the one or more crops is obtained. An emissions estimate is determined based on the obtained data and caused to be displayed to the user via a graphical user interface. A user may be a person responsible for managing multiple farms. That user may be presented with aggregate emissions- related information for all farms, including projected future emissions under various scenarios, and may also iteratively experiment with different farm data values in order to attempt to reduce projected emissions or increase data quality/emissions estimate accuracy.

IPC Classes  ?

  • G06Q 50/02 - Agriculture; Fishing; Mining
  • G06Q 99/00 - Subject matter not provided for in other groups of this subclass

8.

SYSTEMS AND METHODS FOR FACILITATING PROACTIVE RECRUITMENT

      
Document Number 03209980
Status Pending
Filing Date 2023-08-23
Open to Public Date 2024-02-24
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Riabova, Valerie
  • Gembali, Kishor
  • Little, Dana
  • Susevski, Anthony
  • Choi, Eric
  • Hung, Kaitlyn

Abstract

Methods, systems, and techniques for facilitating proactive recruitment are disclosed, comprising: receiving a user annotation of a candidate profile stored in a database, the user annotation provided by a user; based on at least the received user annotation, determining a sentiment of the user with respect to a candidate associated with the candidate profile; and when the sentiment of the user is determined to be positive, scheduling a notification to be sent to the user in response to a trigger event.

IPC Classes  ?

9.

CONTENT RECOMMENDATION USING ARTIFICIAL INTELLIGENCE

      
Document Number 03210029
Status Pending
Filing Date 2023-08-23
Open to Public Date 2024-02-24
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Chen, Kexin
  • Johnston, Madelyn
  • Kang, Dongwoo
  • Nguyen, Brian
  • Boulakia, Hannah
  • Brandimarte, Alex
  • Iakovenko, Viktor
  • Borhani, Behrad
  • Spear, Sarah

Abstract

The present disclosure describes an artificial intelligence approach to digital content recommendation where the recommendation mechanics differ based on the amount of information available. In one aspect, a user is identified as an above-threshold user who has consumed at least a threshold number of digital artifacts or a below-threshold user who has consumed fewer digital artifacts and different recommendation engines are used for above-threshold users and below- threshold users. In another aspect, users are bifurcated into low-data users and high-data users. For high-data users, digital artifacts are directly selected, and for low-data users, digital artifacts are indirectly selected by first selecting a digital artifact property criteria and then selecting digital artifacts that satisfy the selected digital artifact property criteria. In another aspect, digital artifacts are selected according to a common recommendation engine, wherein a quantity of digital artifacts consumed by the user is an input to the common recommendation engine.

IPC Classes  ?

10.

SYSTEMS AND METHODS FOR A PROCUREMENT PROCESS

      
Document Number 03210041
Status Pending
Filing Date 2023-08-23
Open to Public Date 2024-02-24
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Meikle, Natasha
  • Serrao, Maiziel
  • Sharma, Akrash
  • Tustanic, Mia
  • Courtney, Marsha
  • Ammar, Mohammad

Abstract

A procurement system allows a user to provide a request for goods or services. The request is processed to determine its complexity and, for high complexity cases, select an appropriate procurement professional using a trained classifier to handle the procurement request.

IPC Classes  ?

  • G06Q 10/0631 - Resource planning, allocation, distributing or scheduling for enterprises or organisations
  • G06N 20/00 - Machine learning
  • G06Q 10/087 - Inventory or stock management, e.g. order filling, procurement or balancing against orders

11.

DATA MAPPING METHOD AND SYSTEM

      
Document Number 03210235
Status Pending
Filing Date 2023-08-23
Open to Public Date 2024-02-24
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Koshetova, Faina
  • Lee, Claire
  • Lim, Ethan
  • Wadhwani, Vivek

Abstract

Methods, systems, and techniques for data mapping. Company identifiers and an electronic commerce transaction history, such as an online banking transaction history, of a user are retrieved from one or more data repositories. The electronic commerce transaction history includes purchases made from one or more companies identified by the company identifiers. Data mapping is then performed to associate the company identifiers with the purchases represented in the electronic commerce transaction history to identify the companies represented by the company identifiers from which the user made purchases. The company identifiers are then caused to be displayed on a graphical user interface as suggestions to the user as investment suggestions.

IPC Classes  ?

  • G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
  • G06N 20/00 - Machine learning
  • G06F 3/14 - Digital output to display device

12.

SYSTEM AND METHOD FOR APPLYING USER DATA IN ACCESSING OF INSTITUTIONAL PRODUCTS

      
Document Number 03209276
Status Pending
Filing Date 2023-08-14
Open to Public Date 2024-02-24
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Beltran, Nohra
  • Alsibai, Dana
  • Cliff, Christopher
  • Nandakumar, Hariish
  • Mcisaac, Hannah
  • Goncalves, Kelly
  • Soo, Selene
  • Lam, Chai

Abstract

A method on applying user data for providing services to a user from a platform of services, the method comprising the steps of: obtaining user profile data pertaining to the user of a network system of an institution; comparing the user profile data to a plurality of different potential life stages in order to determine a selected life stage; identifying one or more services from the platform of services based on the selected life stage; identifying the one or more services to the user via a user interface of a user device; receiving a request from the user through the user device for access to the one or more services; and updating contents of the user profile to include additional profile content related to activity of the user with the one or more services.

IPC Classes  ?

  • G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
  • H04L 67/306 - User profiles
  • H04L 67/51 - Discovery or management thereof, e.g. service location protocol [SLP] or web services
  • G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

13.

COMPUTER SYSTEMS, METHODS, AND NON-TRANSITORY COMPUTER-READABLE STORAGE DEVICES FOR GENERATING PROACTIVE ADVISOR RECOMMENDATION USING ARTIFICIAL INTELLIGENCE

      
Document Number 03209977
Status Pending
Filing Date 2023-08-23
Open to Public Date 2024-02-24
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Jaiswal, Vishal Rakesh
  • Regmi, Shashwat
  • Halesh, Sujina Bhadravathi
  • Fernandes, Jason
  • Sherman, Matthew
  • Shah, Manish
  • Loganathan, Venkatesh
  • Kagedan, Aharon
  • Velichover, Lior
  • Wildberger, Martin
  • Palmer, Michael

Abstract

Computer systems, apparatuses, processors, and non-transitory computer- readable storage devices configured for executing a method for generating proactive advisor recommendation using artificial intelligence. The method has the steps of: partitioning a plurality of clients using a clustering model based on data of the plurality of clients for clustering the plurality of clients into a plurality of client clusters; classifying the clients of at least a first client cluster of the plurality of client clusters into a plurality of client classifications by using one or more random-forest classifiers; and generating financial recommendations for the clients of at least a first client classification of the plurality of client classifications.

IPC Classes  ?

  • G06Q 40/06 - Asset management; Financial planning or analysis
  • G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
  • G06N 20/00 - Machine learning

14.

SYSTEMS AND METHODS FOR FACILITATING CLIENT AUTHENTICATION

      
Document Number 03210048
Status Pending
Filing Date 2023-08-23
Open to Public Date 2024-02-24
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Poonawala, Shabbir
  • Chinnari, Venkati Brahmam
  • Enkoom, Issac
  • Multani, Ekjot
  • Mathur, Anisha
  • Wang, Shu
  • Cheng, Adam

Abstract

Methods, systems, and techniques for facilitating client authentication are disclosed, comprising: receiving an identifier of a client; retrieving client information based on the identifier of the client; assessing a plurality of risk indicators for the client from the client information; determining a risk level for the client based on the plurality of risk indicators; and outputting the risk level for display on a user device.

IPC Classes  ?

15.

METHODS AND SYSTEMS FOR PREDICTING DATA QUALITY METRICS

      
Document Number 03210080
Status Pending
Filing Date 2023-08-24
Open to Public Date 2024-02-24
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Grover, Shrey
  • Nijjar, Chanvir Singh
  • Sharma, Arjun
  • Chung, Rebecca
  • Bharathulwar, Shravan
  • Muthu Veeramani, Veera Raghavan
  • Benson, Kevin E. C.

Abstract

A data source is monitored. During the monitoring, an arrival at the data source of each of one or more sets of one or more features is detected. In response to detecting the arrival at the data source of at least a first set of one or more features of the one or more sets of one or more features, data is extracted from the first set of one or more features, data for at least a second set of one or more features of the one or more sets of one or more features is estimated, wherein the second set of one or more features has not yet arrived at the data source, and, based on the extracted data and the estimated data, a data quality metric is predicted.

IPC Classes  ?

  • G06F 11/30 - Monitoring
  • G06N 20/00 - Machine learning
  • G06F 11/00 - Error detection; Error correction; Monitoring
  • G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

16.

SYSTEM AND METHOD FOR MONITORING NETWORK SERVICE ACCESSIBILITY BASED ON NETWORK TRAFFIC DATA AND SOCIAL MEDIA DATA

      
Document Number 03215911
Status Pending
Filing Date 2023-08-14
Open to Public Date 2024-02-24
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Kwak, Christine
  • Khandros, Marat
  • Oghbaee, Amirreza
  • Prova, Anika
  • Kane, Elodie
  • Miglani, Parth
  • Nagpal, Shivam

Abstract

A method for monitoring a network service based on a correlation including network traffic metrics experienced by the network service and infrastructure operational metrics of the network service, the method comprising the steps of: obtaining periodic data including the network traffic metrics, the infrastructure operational metrics, and social media metrics, the social media metrics including content associated with one or more services provided by the network service; storing the network traffic metrics, the infrastructure operational metrics, and social media metrics in a storage for use as historical data representing a predefined period of time; providing a correlation defining a relationship between metrics content of the periodic data; receiving the periodic data during operation of the network service and using the correlation to process the received periodic data to determine an output representing an infrastructure operational metric; comparing the infrastructure operational metric to a predefined operational constraint; generating an alert notification when the infrastructure operational metric contradicts the predefined operational constraint; and sending at least one of the infrastructure operational metric and the alert notification to a support system for subsequent processing.

IPC Classes  ?

  • H04L 43/08 - Monitoring or testing based on specific metrics, e.g. QoS, energy consumption or environmental parameters
  • H04L 43/04 - Processing captured monitoring data, e.g. for logfile generation
  • H04L 43/16 - Threshold monitoring

17.

METHODS AND SYSTEMS FOR GENERATING DATA ON CRYPTOCURRENCIES

      
Document Number 03209909
Status Pending
Filing Date 2023-08-22
Open to Public Date 2024-02-23
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Hasan, Abbas
  • Peplinski, Jack
  • Eleuterio Soares Yokota, Luciana
  • Padhiar, Sakshi

Abstract

A method of generating data on cryptocurrencies is described. Using one or more computer processors, a request to display a benchmark index relating to the cryptocurrencies is received. In response to receiving the request, for each of the cryptocurrencies, a market capitalization value and a price of the cryptocurrency over time are determined. Based on the market capitalization values and the prices over time, the benchmark index is generated and then displayed. In addition, based on the total value of one or more cryptocurrencies over a past period of time, the future price of the one or more cryptocurrencies over the future period of time may be predicted.

IPC Classes  ?

  • G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
  • G06N 20/00 - Machine learning

18.

SECURE CRYPTOGRAPHIC KEY MANAGEMENT

      
Document Number 03191509
Status Pending
Filing Date 2023-03-01
Open to Public Date 2024-02-18
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Gerics, Ian
  • Weber, Mike J.

Abstract

A method of making cryptographic key metadata available to key owners while protecting the integrity of the cryptographic key metadata comprises extracting key metadata from a metadata storage on a key data storage system. The metadata storage is logically isolated from a sensitive cryptographic data storage on the key data storage system. The method further comprises transmitting, by unidirectional communication, the extracted key metadata to a user-accessible metadata database that is separate and distinct from the metadata storage on the key data storage system. The method identifies, from the user- accessible metadata database, user-specific metadata for at least one cryptographic key associated with an authorized user associated with the at least one cryptographic key, and communicates the identified user-specific metadata to the authorized user.

IPC Classes  ?

  • H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system

19.

METHOD AND SYSTEM FOR EVENT NOTIFICATION

      
Document Number 03208740
Status Pending
Filing Date 2023-08-09
Open to Public Date 2024-02-09
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Jiang, Shangjia
  • Ho, Chung Wing
  • Sisa, Lara

Abstract

Methods, systems, and techniques for event notification. An event, such as a payment event that represents a payment transaction having been initiated, completed, or that the transaction is in progress, results in an event engine sending an upstream message to one or more servers. The one or more servers receive the upstream message, which is in a first format. The one or more servers convert the upstream message into a downstream message that is in a second format, such as an ISO 20022 fomiat, and the downstream message is subsequently consumed by an event consumer. The event consumer may consume the downstream message in real-time relative to when the event occurs. Undelivered upstream or downstream messages may be stored in a dead letter channel repository for attempted redelivery.

IPC Classes  ?

  • H04L 67/565 - Conversion or adaptation of application format or content
  • H04L 67/55 - Push-based network services
  • H04L 1/08 - Arrangements for detecting or preventing errors in the information received by repeating transmission, e.g. Verdan system
  • H04L 51/066 - Format adaptation, e.g. format conversion or compression
  • H04L 51/214 - Monitoring or handling of messages using selective forwarding

20.

DEVELOPMENT AND IMPLEMENTATION OF CONTAINERIZED APPLICATIONS

      
Document Number 03170863
Status Pending
Filing Date 2022-08-18
Open to Public Date 2024-01-29
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Kerins, Ian
  • Marianayagam, Benny Derick
  • Sondarva, Parth
  • Bhardwaj Sahil
  • Ahmadzadeh, Yasamin
  • Kaur, Navpreet
  • Webster, Michael David
  • Parmar, Biren H.
  • Zheng, Juan Carlos Chang
  • Char, Jong Ming
  • Yim, Chi Kit
  • Singh, Harpreet

Abstract

A method for developing a containerized application using a pipeline platfomi consisting of a plurality of stages with associated development tools, the method comprising the steps of: receiving application parameters and a check-in code for the containerized application; generating a configuration file based on the application parameters, the configuration file containing configuration content including insert code; embedding the insert code into the check-in code; dynamically provisioning an opinionated pipeline based on contents of the configuration file, the opinionated pipeline including the plurality of stages with the associated development tools; setting up one or more control gates in one or more of the plurality of stages; receiving customized code for the containerized application, the customized code representing modifications of the insert code; and packaging the containerized application to include code contents of the check-in code, the customized code, and the insert code; wherein the containerized application is submitted for deployment to one or more environment platfomis upon satisfying the one or more control gates or the containerized application is restricted from the subsequent deployment based on failure of the one or more control gates.

IPC Classes  ?

  • G06F 8/00 - Arrangements for software engineering

21.

METHOD AND SYSTEM FOR PERFORMING AUTOMATIC SOURCE CODE GENERATION FOR USE IN A DATA TRANSFORMATION PROCESS

      
Document Number 03207216
Status Pending
Filing Date 2023-07-21
Open to Public Date 2024-01-22
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Zhai, Yun
  • Zheng, Kai
  • Oliveros, Wilfredo

Abstract

Methods, systems, and techniques for performing automatic source code generation for use in a data transformation process. A computer obtains a data file comprising data transformation rules. Using those rules, the computer automatically generates computer source code for use in a data transformation process to transform source data into target data. The source data may, for example, be raw data from a data lake, and the computer source code may be Scala computer code for execution within an Apache Spark framework. The data lake may execute the computer source code to transform the raw data stored in the data lake into the target data, and the target data may then be stored in the data warehouse.

IPC Classes  ?

  • G06F 8/30 - Creation or generation of source code
  • G06F 8/40 - Transformation of program code

22.

MAPPING NETWORK CONNECTIONS BY TCP/IP DATA AGGREGATION

      
Document Number 03205238
Status Pending
Filing Date 2023-06-30
Open to Public Date 2023-12-30
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Ali, Riyaad
  • Khandros, Marat

Abstract

A method for mapping network connections among a plurality of servers comprises invoking inbuilt OS-native utilities on the servers to identify TCP/IP connections on the servers, parsing the TCP/IP connections into a common representation fomiat, and using the common representation format to map dependencies in the network by differentiating the TCP/IP connections into inbound TCP/IP connections and outbound TCP/IP connections. Local scripts may be used to invoke the inbuilt OS-native utilities and parse the TCP/IP connections into the common representation fonnat.

IPC Classes  ?

  • H04L 41/12 - Discovery or management of network topologies

23.

DETECTING NETWORK ANOMALIES BY CORRELATING MULTIPLE INFORMATION SOURCES

      
Document Number 03204150
Status Pending
Filing Date 2023-06-20
Open to Public Date 2023-12-21
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Lamborne, Bryce
  • Khandros, Marat

Abstract

A method for detecting network anomalies comprises monitoring a network that provides public-facing application services and monitoring at least one external public Internet platfonn outside of the network to obtain volumetric problem report data about the application services. The external public Internet platform is nonspecific to the application services. Responsive to the volumetric problem report data from the external public Internet platform(s) exceeding a threshold, at least one internal network event logging tool is queried for alerts, and from the alerts, at least one anomaly associated with the volumetric problem report data is identified and an anomaly report about the at least one anomaly is generated. Responsive to generating the anomaly report, it may be determined whether the at least one anomaly has a known remediation, and if so, the known remediation may be initiated automatically. Network administrator(s) may also be automatically notified.

IPC Classes  ?

24.

SYSTEMS AND METHODS FOR SELF-SUPPERVISED TIME-SERIES REPRESENTATION LEARNING

      
Document Number 03199968
Status Pending
Filing Date 2023-05-19
Open to Public Date 2023-11-20
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Tung, Frederick
  • Pishdad, Leila
  • Iajimoradlou, Ainaz
  • Karpusha, Maryna

Abstract

A neural network for creating representations of time-series may be trained using a self- supervised approach and as such does not require explicit labelling of the training data. The training uses similarity distillation along both the temporal and instance dimensions. Once trained, the neural network may be used to generate representations of a time- series suitable for use on various downstream tasks.

IPC Classes  ?

  • G06N 3/0895 - Weakly supervised learning, e.g. semi-supervised or self-supervised learning
  • G06N 3/02 - Neural networks

25.

SYSTEMS AND METHODS FOR TIME-SERIES FORECASTING

      
Document Number 03199557
Status Pending
Filing Date 2023-05-15
Open to Public Date 2023-11-16
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Liu, Siqi
  • Lehrmann, Andreas

Abstract

A process for time-series forecasting is described that decouples stationary conditional distribution modeling from non-stationary dynamic modeling. The forecasting can be applied to non-stationary time-series.

IPC Classes  ?

26.

MULTI-SCALE ARTIFICIAL NEURAL NETWORK AND A METHOD FOR OPERATING SAME FOR TIME SERIES FORECASTING

      
Document Number 03199602
Status Pending
Filing Date 2023-05-15
Open to Public Date 2023-11-16
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Shabani, Amin
  • Sylvain, Tristan
  • Meng, Lili
  • Abdi, Amir

Abstract

A method for operating a neural network using an encoder-based model to provide a time series forecast, the method comprising: down sampling a time series dataset to generate an initial input having a first scale resolution, such that the first scale resolution is less than a scale resolution of the time series dataset; processing as a first iteration, using the model, the initial input to generate a first output; upsampling by an upsampling function the first output to generate a second input having a second scale resolution, the second scale resolution being higher than the first scale resolution, such that the second input is based on the first output; and processing as a second iteration, using the model, the second input to generate a second output; wherein the second output represents a time series forecast of the time series dataset.

IPC Classes  ?

  • G06N 3/0455 - Auto-encoder networks; Encoder-decoder networks
  • G06Q 10/04 - Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem"
  • G06N 3/047 - Probabilistic or stochastic networks

27.

SELECTIVE CLASSIFICATION WITH ALTERNATE SELECTION MECHANISM

      
Document Number 03199276
Status Pending
Filing Date 2023-05-11
Open to Public Date 2023-11-13
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Feng, Leo
  • Ahmed, Mohamed Osama
  • Hajimirsadeghi, Hossein
  • Abdi, Amir

Abstract

A method for preparing a trained complete selective classifier can be applied to a trained complete selective classifier having an existing trained selection mechanism. The trained selective classifier is modified to disregard the existing trained selection mechanism and use, as a basis for an alternate selection mechanism, at least one classification prediction value, for example the predictive entropy or the maximum predictive class logit. Optionally, before modifying the trained selective classifier, the method commences with an untrained selective classifier, which may be trained with a modified loss function to obtain the trained selective classifier. The modified loss function has at least one added term, relative to an original loss function, and the at least one added term decreases entropy.

IPC Classes  ?

  • G06F 18/241 - Classification techniques relating to the classification model, e.g. parametric or non-parametric approaches
  • G06N 20/00 - Machine learning
  • G06V 10/764 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using classification, e.g. of video objects
  • G06N 3/091 - Active learning

28.

SYSTEM AND METHOD FOR MULTI-OBJECTIVE REINFORCEMENT LEARNING WITH GRADIENT MODULATION

      
Document Number 03198016
Status Pending
Filing Date 2023-04-26
Open to Public Date 2023-10-27
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Huang, Hongfeng
  • Yu, Zhuo
  • Azam, Muhammad Mustajab
  • Chmura, Jacob

Abstract

Systems are methods are provided for processing multiple input objectives by a reinforcement learning agent. The method may include: instantiating a reinforcement learning agent that maintains a reinforcement learning neural network and generates, according to outputs of the reinforcement learning neural network, signals for communicating task requests; receiving a plurality of input data representing a plurality of user objectives associated with a task request and a plurality of weights; generating a plurality of preferences based on the plurality of user objectives and the plurality of weights; computing a plurality of loss values; computing a plurality of first gradients based on the plurality of loss values; for a plurality of pairs of references, computing a plurality of similarity metrics; computing an updated gradient based on the first gradients and the plurality of similarity metrics; and updating the reinforcement learning neural network based on the updated gradient.

IPC Classes  ?

29.

SYSTEM AND METHOD FOR SECURE WEB SERVICE ACCESS CONTROL

      
Document Number 03195823
Status Pending
Filing Date 2023-04-12
Open to Public Date 2023-10-12
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Badal-Badalian, Arnold
  • Baek, Seung Bong
  • Khandavilli, Ravi

Abstract

A computer system and method for populating electronic payment credentials is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method comprises receiving a browser extension activation input, sending a payment details request message to a financial institution system, receiving payment details from the financial institution system following authentication at a mobile device, and populating a payment form on the browser using the payment details. Dynamic credentials are provided by the financial institution system and combined with pre-populated tokenized credentials during automatic entry into the payment form.

IPC Classes  ?

  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
  • G06Q 30/0601 - Electronic shopping [e-shopping]

30.

SYSTEM AND METHOD FOR MULTI-OBJECTIVE REINFORCEMENT LEARNING

      
Document Number 03195081
Status Pending
Filing Date 2023-04-04
Open to Public Date 2023-10-05
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Huang, Hongfeng
  • Chmura, Jacob
  • Yu, Zhuo

Abstract

Systems are methods are provided for processing multiple input objectives by a reinforcement learning agent. The method may include: instantiating a reinforcement learning agent that maintains a reinforcement learning neural network and generates, according to outputs of the reinforcement learning neural network, signals for communicating task requests; receiving a plurality of input data representing a plurality of user objectives associated with a task request; generating, based on the reinforcement learning neural network and the plurality of input data, an action output for generating a signal for communicating the task request; computing a reward based on the action output and the plurality of input data; and updating the reinforcement learning neural network based on the reward.

IPC Classes  ?

31.

SYSTEM AND METHOD FOR ELECTRONIC IDENTITY AND ACCESS MANAGEMENT

      
Document Number 03194941
Status Pending
Filing Date 2023-04-03
Open to Public Date 2023-10-01
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Smyth, Cathal
  • Tiwari, Amit Kumar
  • Kosaraju, Venkata Sai Pavan Kumar
  • Pakarha, Payam
  • Peng, Lindsey
  • Borzou, Bijan
  • Wu, Tung-Lin
  • Rahmani, Sahar

Abstract

Systems and methods for generating access entitlements to networked computing resources. Systems may be configured to: receive an input data set representing an entitlement request associated with a user identifier; generate an entitlement prediction associated with the user identifier based on an entitlement model and at least one hierarchical level, the entitlement model defining a cluster representation of entitlement similarity, and wherein the entitlement prediction is based on one or more similarity relationships corresponding to the at least one hierarchical level; and transmit a signal representing the entitlement prediction for granting downstream access to a networked computing resource.

IPC Classes  ?

  • H04L 47/80 - Actions related to the user profile or the type of traffic
  • H04L 41/16 - Arrangements for maintenance, administration or management of data switching networks, e.g. of packet switching networks using machine learning or artificial intelligence
  • H04L 12/22 - Arrangements for preventing the taking of data from a data transmission channel without authorisation

32.

MULTI-MODAL ARTIFICAL NEURAL NETWORK AND A SELF-SUPERVISED LEARNING METHOD FOR TRAINING SAME

      
Document Number 03191940
Status Pending
Filing Date 2023-03-06
Open to Public Date 2023-09-06
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Dumpala, Sri Harsha
  • Hajimoradlou, Ainaz
  • Abdi, Amir
  • Pishdad, Leila
  • Karpusha, Maryna
  • Hernandez, Pablo

Abstract

A multi-modal artificial neural network and a self-supervised learning method for training that network. The learning method involves processing, using a first modality simple Siamese network, a pair of first modality augmented views of an input; processing, using a second modality simple Siamese network, a pair of second modality augmented views of the input; determining at least one cross-modal loss between the first and second modality simple Siamese networks; determining a total loss from: (i) first and second modality losses respectively determined during the processing using the first and second modality simple Siamese networks; and (ii) the at least one cross-modal loss; and training the first and second modality simple Siamese networks based on the total loss. The trained network may be used to analyze multi-modal content such as video content that has an audio track. A Multi-Modal Multi-Head Network (M3HN) may also be trained to process modality-specific and modality-agnostic representations.

IPC Classes  ?

  • G06N 3/0895 - Weakly supervised learning, e.g. semi-supervised or self-supervised learning
  • G06N 3/045 - Combinations of networks

33.

SYSTEMS AND METHODS FOR EMPATHY-BASED MACHINE LEARNING

      
Document Number 03191349
Status Pending
Filing Date 2023-02-28
Open to Public Date 2023-08-28
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Marok, Gurinder
  • Amjadian, Ehsan

Abstract

A computing system configured to generate empathy-based machine-learning outputs, which, for example, can include notifications, automatic service delivery, payments, among others. The system receives as inputs a first set of data sets representative of historical behaviour through tracked interactions, a second set of data sets representative of circumstantial knowledge (e.g., environmental factors, such as weather), and a set of empathy model weights from one or more machine learning models that are configured to model one or more empathy consideration components (e.g., curiosity, preconceptions, inspirations, direct experiences, listened experiences, imagination, among others). Corresponding methods and non-transitory computer readable media are contemplated.

IPC Classes  ?

34.

REPARAMETERIZATION OF SELECTIVE NETWORKS FOR END-TO-END TRAINING

      
Document Number 03190898
Status Pending
Filing Date 2023-02-23
Open to Public Date 2023-08-23
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Salem, Mahmoud
  • Tung, Frederick
  • Ahmed, Mohamed Osama
  • Oliveira, Gabriel

Abstract

A method is provided for training a selective network that includes a selection node for selecting whether to make a prediction. During training, the selection node is reparameterized as a differentiable function of learnable parameters acting on noise from a base distribution. The differentiable function approximates a sampling from a categorical distribution.

IPC Classes  ?

35.

ARTIFICIAL NEURAL NETWORK FOR DATA IMBALANCED REGRESSION AND METHOD FOR TRAINING SAME

      
Document Number 03184766
Status Pending
Filing Date 2022-12-29
Open to Public Date 2023-06-30
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Gong, Yu
  • Tung, Frederick
  • Mori, Greg

Abstract

An artificial neural network for data imbalanced regression and a method for training that network. A regression dataset is obtained that includes multiple pairs that respectively are made up of inputs and corresponding targets. The inputs are represented in a feature space and the targets are represented in a label space of continuous values. Label space similarities between the targets as represented in the label space are determined, and analogously feature space similarities between the inputs as represented in the feature space are determined. A loss may then be determined based on differences between rankings of the label space similarities and corresponding feature space similarities. That loss may be used to train an artificial neural network.

IPC Classes  ?

36.

SYSTEM AND METHODS FOR USER INTERFACE ORCHESTRATION AND PRESENTATION

      
Document Number 03185294
Status Pending
Filing Date 2022-12-15
Open to Public Date 2023-06-15
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Ortiz, Edison U.
  • Woo, Gabriel Y.
  • Khandavilli, Ravi
  • Nabulsi, Adel Al
  • Mackereth, Kirsten
  • Simonelis, Justin

Abstract

There is provided a computer system and method for orchestrating user interface, the method include: obtaining a first data set representative of intercepted data communication messages between a user interface of a user and a merchant hosting server; obtaining a second data set representing an instruction set for loading visual elements on the user interface provided from the merchant hosting server; analyzing the first data set to obtain one or more user-specific characteristics; determining if the user-specific characteristics associated with the user satisfy a trigger condition associated with a current resource offering; and responsive to a positive determination: injecting, into the instruction set for loading the visual elements on the user interface provided from the merchant hosting server, code corresponding to an interactive visual element corresponding to the current resource offering.

37.

METHOD AND SYSTEM FOR FACILITATING IDENTIFICATION OF ELECTRONIC DATA EXFILTRATION

      
Document Number 03183454
Status Pending
Filing Date 2022-12-06
Open to Public Date 2023-06-14
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Mammadli, Nariman
  • Jothimani, Dhanya
  • Singh, Ramanpreet
  • Smyth, Cathal
  • Kurmish, Felix
  • Tiwari, Amit Kumar

Abstract

Methods, systems, and techniques for facilitating identification of electronic data exfiltration. A message transmission log and screenshot metadata are obtained. A screenshot corresponding to the screenshot metadata is matched to a sent electronic message, such as an email, having a file attachment represented in the message transmission log to generate an event. The screenshot metadata indicates that the screenshot was captured prior to when the message transmission log indicates the electronic message was sent. An anomaly score is determined for the sent electronic message is determined by applying unsupervised machine learning, such as by applying an isolation forest, to score the sent electronic message relative to a baseline. The anomaly score meeting or exceeding an anomaly threshold is treated as potentially being indicative of electronic data exfiltrati on.

38.

METHOD AND SYSTEM FOR DETECTING A CYBERSECURITY BREACH

      
Document Number 03183247
Status Pending
Filing Date 2022-12-05
Open to Public Date 2023-06-06
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Smyth Cathal
  • Golkar, Mahsa
  • Ross, James
  • Rahmani, Sahar
  • Yadav, Vikash
  • Afsariardchi, Niloufar

Abstract

Methods, systems, and techniques for detecting a cybersecurity breach. The cybersecurity breach may be a synthetic account or an account having been subjected to an account takeover. Electronic account data representative of accounts is obtained in which a first group of the accounts includes accounts flagged as being associated with the breach, and a second group of the accounts includes a remainder of the accounts. The computer system generates from the account data nodes representing the accounts and edges based on account metadata that connect the nodes. The computer system determines, such as by applying a link analysis method to the nodes and edges, a ranking of the accounts of at least part of the second group indicative of a likelihood that those accounts are also associated with the cybersecurity breach. That ranking may be used to identify which of those accounts is also identified with the cybersecurity breach.

39.

SYSTEM AND METHOD FOR SEQUENTIAL DATA PROCESS MODELLING

      
Document Number 03169573
Status Pending
Filing Date 2022-08-05
Open to Public Date 2023-04-25
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Abdi, Amir
  • Meng, Lili
  • Oliveira, Gabriel Leivas
  • Tung, Frederick

Abstract

A system for machine learning architecture for prospective resource allocations. The system may include a processor and a memory. The memory may store processor-executable instructions that, when executed, configure the processor to: receive a sequence of data records representing historical resource allocations from a user associated with a first identifier to another user associated with a second identifier; derive record features based on the sequence of data records representing the historical resource allocations for identifying irregular record features; determine a prospective resource allocation associated with the first identifier and the second identifier based on a neural network model and the derived record features; determine, based on the neural network model, a selection score associated with the prospective resource allocation; and when the selection score is above a minimum threshold, cause to display, at a display device, the prospective resource allocation corresponding to the second identifier.

IPC Classes  ?

  • G06N 3/04 - Architecture, e.g. interconnection topology
  • G06N 20/00 - Machine learning
  • G06N 3/0442 - Recurrent networks, e.g. Hopfield networks characterised by memory or gating, e.g. long short-term memory [LSTM] or gated recurrent units [GRU]
  • G06Q 40/02 - Banking, e.g. interest calculation or account maintenance

40.

SYSTEM AND METHOD FOR DETECTING A BOUNDARY IN IMAGES USING MACHINE LEARNING

      
Document Number 03179286
Status Pending
Filing Date 2022-10-14
Open to Public Date 2023-04-15
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Ahmadi, Elham
  • Amjadian, Ehsan
  • Berrill, Arthur Richard

Abstract

A computer-implemented system and method for detecting a boundary in an image are provided. The system includes at least one processor and memory in communication with said at least one processor, wherein the memory stores instructions, when executed at said at least one processor, cause said system to: receive or access a first image comprising a first polygon structure; generate, using a data model representing a neural network, a second image based on the first image by splitting the first polygon structure in the first image, wherein the second image comprises a first portion and a second portion partitioned by a line across the first polygon structure; and generate, based on the second image, a geo-image comprising corresponding spatial-reference information for one or more pixels in the geo-image, the geo-image comprising one of the first portion and the second portion in the second image.

IPC Classes  ?

41.

SYSTEM AND METHOD FOR MACHINE LEARNING ARCHITECTURE FOR MULTI-TASK LEARNING WITH DYNAMIC NEURAL NETWORKS

      
Document Number 03178364
Status Pending
Filing Date 2022-10-04
Open to Public Date 2023-04-04
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Javadi, Golara
  • Tung, Frederick
  • Oliveira, Gabriel Leivas

Abstract

Disclosed are systems, methods, and devices for computing an action for an automated agent. A neural network configured for deep multi-task learning is provided. Each of a subset of layers of the neural network is connected with a respective gating unit configured for dynamically activating or deactivating the respective layer of the neural network. The method includes: receiving, via a communication interface, input data associated with a task type; selecting, from a plurality of layers of a neural network, a subset of layers based on at least the task type; dynamically activating, based on the input data, at least one layer of the subset of layers; and generating an action signal based on a forward pass of the neural network using the dynamically activated at least one layer of the neural network.

IPC Classes  ?

  • G06N 3/04 - Architecture, e.g. interconnection topology

42.

SYSTEM AND METHOD FOR EFFICIENT ESTIMATION OF CUMULATIVE DISTRIBUTION FUNCTION

      
Document Number 03176563
Status Pending
Filing Date 2022-09-27
Open to Public Date 2023-03-27
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Sastry, Chandramouli Shama
  • Radovic, Alexander Radomir Branislav
  • Brubaker, Marcus Anthony
  • Lehrmann, Andreas Steffen Michael

Abstract

A computer-implemented system and method for estimating a Cumulative Distribution Function (CDF) are provided. The method includes: receive input data representing a volume V of a target space indicating a future target event; compute, using the trained neural network, an estimation of a first flux through a boundary of the volume V; compute, using the trained neural network, an estimation of a second flux through a boundary of a volume W of a base space based on the estimation of the first flux through the boundary of the volume V; generate, using the trained neural network, an estimation of a CDF for the volume V based on the second flux through the boundary of the volume W; compute a probability for the future target event based on the estimated CDF for the volume V; and generate a control command based on the probability for the future target event.

IPC Classes  ?

43.

SYSTEM AND METHOD FOR ENFORCING MONTONICITY IN A NEURAL NETWORK ARCHITECTURE

      
Document Number 03174521
Status Pending
Filing Date 2022-09-14
Open to Public Date 2023-03-14
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Filho, Joao Batista Monteiro
  • Ahmed, Mohamed Osama
  • Hajimirsadeghi, Seyed Hossein
  • Mori, Gregory Peter

Abstract

A computer-implemented system and method for training a neural network with enforced monotonicity are disclosed. An example system includes at least one processor and memory in communication with said at least one processor, wherein the memory stores instructions for providing a data model representing a neural network for predicting an outcome based on input data, the instructions when executed at said at least one processor causes said system to: receive a feature data as input data; predict an outcome based on the input data using the neural network; compute a loss function based on the predicted outcome and an expected outcome associated with the input data, the loss function f being dependent on a monotonicity penalty fl computed based on a set of training data including the feature data and on a set of random data; and update weights of the neural network based on the loss function.

IPC Classes  ?

44.

MACHINE LEARNING ARCHITECTURE FOR QUANTIFYING AND MONITORING EVENT-BASED RISK

      
Document Number 03172010
Status Pending
Filing Date 2022-09-01
Open to Public Date 2023-03-01
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Watt, Graham Alexander
  • Goldoozian, Layli Sadat
  • Ross, James
  • Liu, Xiwu
  • Zhang, Di Xin

Abstract

An automated machine learning approach and toolkit is developed for evaluating the causal impact of an event. This approach includes data generation, optimal model selection, model stability evaluation and model explanation. An example approach includes: generating predictive output data of physical geospatial objects is proposed whereby a first data set representative of geospatial event-based data and a second data set representative of the characteristics of the physical geospatial objects are spatially joined together and utilized to generate a causal graph data model that is then provided for at least one of a trained regression machine learning model, a trained causal machine learning model, and a trained similarity machine learning model to generate the predictive output data representative of event-adjusted characteristics of the physical geospatial objects.

IPC Classes  ?

  • G06N 7/01 - Probabilistic graphical models, e.g. probabilistic networks
  • G06N 20/00 - Machine learning

45.

BLOCKCHAIN MARKETPLACE FOR DEBT CAPITAL

      
Document Number 03170360
Status Pending
Filing Date 2022-08-15
Open to Public Date 2023-02-27
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Li, Tiffany
  • Weller, Samuel
  • Kochar, Arsh
  • Hussain, Alifiyah
  • Mani, Endri
  • Domenick, Alexander

Abstract

A marketplace for trading bonds on the block chain includes a bond token smart contract that tokenizes the bond for buying/selling using a stablecoin. Each bond generates a corresponding marketplace smart contract. A whitelist smart contract is used to provide permissions for trading bonds on the block chain.

IPC Classes  ?

  • G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
  • G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme

46.

DYNAMIC ESG VISUALIZATION

      
Document Number 03170792
Status Pending
Filing Date 2022-08-19
Open to Public Date 2023-02-27
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Puls, Lindsay
  • Chen, Michael
  • Wiegner, Ori
  • Lu, Calla

Abstract

A method is provided for dynamically visualizing an impact field based on weighted ESG. A portfolio is received, which includes a plurality of assets according to a first configuration, each asset having an associated quantum variable. A raw ESG score is retrieved for each of the assets. A weighted ESG score is detemined for each asset by multiplying the raw ESG score by the quantum variable. A first composite ESG score is fomied by summing the weighted ESG scores for the assets in the first configuration of the portfolio. This is then visually represented by rendering and displaying an impact field having a gradient variable reflective of the first composite ESG score. A recommendation is made for at least one asset in the first configuration. The configuration is changed, another composite ESG score is determined, and the impact field is updated accordingly.

IPC Classes  ?

47.

METHOD OF DETERMINING WHETHER A FRAUD CLAIM IS LEGITIMATE

      
Document Number 03170795
Status Pending
Filing Date 2022-08-19
Open to Public Date 2023-02-27
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Sossin, Leah
  • Solanki, Parth
  • Mosomi, Evans
  • Yasmin, Sonia
  • Chinnari, Venkati Brahmam
  • Swerdfeger, Daniel
  • Cheng, Adam
  • Zhang, Robin

Abstract

There is described a method of determining whether a fraud claim initiated by a client is legitimate. The method is performed by one or more processors. A fraud claim is received from the client. The fraud claim is in respect of a potentially fraudulent transaction associated with the client. Client data associated with the client is retrieved. The client data includes data relating to historical financial transactions associated with the client. Based on the data relating to the historical financial transactions associated with the client, and based on one or more parameters of the potentially fraudulent transaction, a fraud score associated with the fraud claim is determined. Based on the fraud score, a determination is made as to whether the fraud claim is legitimate.

IPC Classes  ?

48.

DIGITAL STATUS TRACKING OF FUNDS

      
Document Number 03171338
Status Pending
Filing Date 2022-08-26
Open to Public Date 2023-02-27
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Subramanian, Aditya
  • Jian, Pei Si
  • Zhang, Wanze
  • Porwal, Kartik

Abstract

A method is provided for tracking funds in a real estate transaction using a real estate transaction portal. Through an interface of a real estate transaction portal, a request is accepted from a pre- registered buyer to transfer funds to a pre-registered beneficiary, the funds being in settlement of at least a portion of a real estate transaction. A corresponding payment request is initiated through a digital payment channel. On receipt of a first automated message through the payment channel, the first automated message is decoded as a confirmation of the initiation of the payment request. In real time, a graphical status indicator is displayed to the pre-registered buyer and the pre- registered beneficiary showing the initiation. On receipt of a second automated message through the payment channel, the second automated message is decoded as a completion of the payment request and the graphical status indicator is accordingly updated in real time.

IPC Classes  ?

  • G06Q 20/10 - Payment architectures specially adapted for home banking systems

49.

DETECTION OF PHISHING WEBSITES USING MACHINE LEARNING

      
Document Number 03170593
Status Pending
Filing Date 2022-08-17
Open to Public Date 2023-02-27
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Akhter, Syed (areeb)
  • Pandey, Shivam
  • Rizvi, Saira
  • Chiam, Katarina
  • Fowler, Christian
  • Smyth Cathal
  • Rahmani, Sahar
  • Huseynli, Fariz
  • Pustovit, Arsenii

Abstract

Salient features are extracted from a training data set. The training data set includes, for each of a subset of known legitimate websites and a subset of known phishing websites, Uniform Resource Locators (URLs) and Hypertext Markup Language (HTML) information. The salient features are fed to a machine learning engine, a classifier engine to identify potential phishing websites is generated by applying the machine learning engine to the salient features, and parameters of the classifier engine are tuned. This enables identification of potential phishing websites by parsing a target website into URL information and HTML information, and identifying predetermined URL features and predetermined HTML features. A prediction as to whether the target website is a phishing website or a legitimate website, based on the predetermined URL features and the predetermined HTML features, is received from the classifier engine.

IPC Classes  ?

  • G06F 21/56 - Computer malware detection or handling, e.g. anti-virus arrangements
  • G06N 20/00 - Machine learning
  • H04L 41/16 - Arrangements for maintenance, administration or management of data switching networks, e.g. of packet switching networks using machine learning or artificial intelligence

50.

SYSTEM AND METHOD FOR GENERATING AND UPDATING A USER PROFILE FOR AN INSTITUTION BASED ON PEER GROUP DATA

      
Document Number 03170887
Status Pending
Filing Date 2022-08-18
Open to Public Date 2023-02-27
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Rotimi-Fadipe, Obakemi
  • Dindyal, Vibhav
  • Truong, Hung Phi Phillip
  • Liu, Wei
  • Mcisaac, Hannah
  • Cheng, Victor
  • Mcgaugh, Timothy Dean

Abstract

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.

51.

RIGHT-SIZING RESOURCE REQUESTS BY APPLICATIONS IN DYNAMICALLY SCALABLE COMPUTING ENVIRONMENTS

      
Document Number 03171033
Status Pending
Filing Date 2022-08-23
Open to Public Date 2023-02-27
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Stringer, Matthew
  • Li, Merissa
  • Alemi, Kaveh
  • Aminu, Ore
  • Packiriswamy, Venkatesan
  • Agrawal, Manoj
  • Mahajan, Vishal

Abstract

Methods, systems, and techniques for right-sizing resource requests for applications in a dynamically scalable computing environment. In one aspect, a method comprises monitoring resource usage of at least one computer resource by an application executing on a computer system, and monitoring resource requests for the computer resource(s) associated with the application. The method further comprises determining, for the computer resource(s), a resource usage upper bound associated with the application, testing the resource usage upper bound against at least one threshold, determining, from the testing, a resource request adjustment, and dynamically applying the resource request adjustment to the resource requests for the computer resource(s) associated with the application.

IPC Classes  ?

  • G06F 11/34 - Recording or statistical evaluation of computer activity, e.g. of down time, of input/output operation
  • G06F 9/50 - Allocation of resources, e.g. of the central processing unit [CPU]
  • G06N 20/00 - Machine learning

52.

SYSTEMS AND METHODS FOR RECOMMENDING INSURANCE

      
Document Number 03171224
Status Pending
Filing Date 2022-08-25
Open to Public Date 2023-02-27
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Lim, Isabel Jiyee
  • Curnew, Jordan William
  • Sohail, Maria
  • Sandhu, Jaspreet Singh
  • Lam, Chai
  • Passafiume, Samuel

Abstract

An insurance recommendation engine receives customer data and using trained models recommends one or more insurance products that are suitable for the customer. The recommendation engine also provides an explanation as to why the particular products have been recommended. The recommendation models are incorporated into a system that can improves the customer's experience.

IPC Classes  ?

53.

SYSTEM AND METHOD FOR MACHINE LEARNING ARCHITECTURE WITH A MEMORY MANAGEMENT MODULE

      
Document Number 03129291
Status Pending
Filing Date 2021-08-30
Open to Public Date 2023-02-25
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Burhani, Hasham
  • Shi, Xiao Qi
  • Jamali, Kiarash

Abstract

Systems, devices, and methods for training an automated agent are disclosed. Multiple automated agents are instantiated, each of the automated agents configured to train over a plurality of training cycles. For each resource, a dedicated portion of a memory device to store state data for the respective resource is allocated. The method includes receiving a request for state data for a particular resource from a subset of the automated agents; for each of the training cycles for the subset of the plurality of automated agents, storing updated state data for the particular resource in the dedicated portion of the memory device allocated to the particular resource; and transmitting an address of the dedicated portion of the memory device for the particular resource to the subset of the automated agents, to facilitate asynchronous reading of the stored state data for the particular resource during each training cycle.

IPC Classes  ?

54.

SYSTEMS AND METHODS FOR REINFORCEMENT LEARNING WITH LOCAL STATE AND REWARD DATA

      
Document Number 03129295
Status Pending
Filing Date 2021-08-30
Open to Public Date 2023-02-25
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Burhani, Hasham
  • Shi, Xiao Qi

Abstract

Systems are methods are provided for training an automated agent. The automated agent maintains a reinforcement learning neural network and generates, according to outputs of the reinforcement learning neural network, signals for communicating resource task requests. The system includes a communication interface, a processor, memory, and software code stored in the memory. The software code, when executed, causes the system to: instantiate an automated agent that maintains the reinforcement learning neural network; receive current state data of a resource for a first task; receive historical state metrics of the resource computed based on a plurality of historical tasks; compute normalized state data based on the current state data; and provide the historical state metrics and the normalized state data to the reinforcement learning neural network of said automated agent for training.

55.

SYSTEM AND METHOD FOR MACHINE LEARNING ARCHITECTURE WITH MULTIPLE POLICY HEADS

      
Document Number 03170965
Status Pending
Filing Date 2022-08-23
Open to Public Date 2023-02-24
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Shi, Xiao Qi
  • Burhani, Hasham
  • Balicki, Daniel

Abstract

Systems, devices, and methods for automated generation of resource task requests are disclosed. A reinforcement learning neural network having an output layer with a plurality of policy heads is maintained. At least one reward is provided to the reinforcement learning neural network, the at least one reward corresponding to at least one prior resource task request generated based on outputs of the reinforcement learning neural network. State data are provided to the reinforcement learning neural network, the state data reflective of a current state of an environment in which resource task requests are made. A plurality of outputs is obtained, each from a corresponding policy head, the plurality of outputs including a first output defining a quantity of a resource and a second output defining a cost of the resource. A resource task request signal is generated based on the plurality of outputs from the plurality of policy heads. _ =

IPC Classes  ?

  • G06N 3/04 - Architecture, e.g. interconnection topology
  • G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
  • G06N 3/092 - Reinforcement learning

56.

SYSTEM AND METHOD FOR MACHINE LEARNING ARCHITECTURE WITH SELECTIVE LEARNING

      
Document Number 03171081
Status Pending
Filing Date 2022-08-23
Open to Public Date 2023-02-24
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Burhani, Hasham
  • Shi, Xiao Qi

Abstract

Systems, devices, and methods for training an automated agent are disclosed. An automated agent is instantiated. The automated agent includes a reinforcement learning neural network that is trained over a plurality training cycles and provides a policy for generating resource task requests. A learning condition that is expected to impede training of the automated agent during a given training cycle of the plurality of training cycles is detected. In response to the detecting, a disable signal is generated to disable training of the automated agent for at least the given training cycle.

IPC Classes  ?

  • G06N 3/092 - Reinforcement learning
  • G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

57.

SYSTEMS AND METHODS FOR REINFORCEMENT LEARNING WITH SUPPLEMENTED STATE DATA

      
Document Number 03129288
Status Pending
Filing Date 2021-08-30
Open to Public Date 2023-02-09
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Burhani, Hasham
  • Shi, Xiao Qi

Abstract

Systems are methods are provided for training an automated agent. The automated agent maintains a reinforcement learning neural network and generates, according to outputs of the reinforcement learning neural network, signals for communicating resource task requests. The system includes a communication interface, a processor, memory, and software code stored in the memory. The software code, when executed, causes the system to: instantiate an automated agent for communicating resource task requests; receive a current feature data structure related to a resource of the resource task requests; maintain a plurality of historical feature data structures related to said resource for a plurality of prior time steps; compute normalized feature data using the current feature data structure and the plurality of historical feature data structures; compute supplemented state data appended with the normalized feature data; and transmit said supplemented state data to the reinforcement learning neural network to train said automated agent.

IPC Classes  ?

  • G06N 3/092 - Reinforcement learning
  • G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

58.

SYSTEM AND METHOD FOR MULTI-USER SESSION FOR COORDINATED ELECTRONIC TRANSACTIONS

      
Document Number 03223361
Status Pending
Filing Date 2022-06-14
Open to Public Date 2022-12-22
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Badal-Badalian, Arnold
  • Ortiz, Edison U.
  • Cheung, William Kwok Hung
  • Baek, Seung Bong
  • Khandavilli, Ravi

Abstract

Systems, methods, and computer readable media are directed in various embodiments for providing multiuser sessions for coordinated electronic transactions. A technical solution is directed to coordinating the electronic transactions across a plurality of instances, where the underlying users of the instances can include at least two users. Access to sensitive information can be restricted using a trusted execution environment and access can be given in accordance with the coordinated electronic transactions.

IPC Classes  ?

  • H04L 65/1094 - Inter-user-equipment sessions transfer or sharing
  • G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities

59.

SYSTEM AND METHOD FOR RISK SENSITIVE REINFORCEMENT LEARNING ARCHITECTURE

      
Document Number 03162812
Status Pending
Filing Date 2022-06-10
Open to Public Date 2022-12-11
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Hernandez Leal, Pablo Francisco
  • Gao, Yue
  • Lui, Yik Chau

Abstract

A computer-implemented system and method for training an auomated agent are disclosed. An example system includes: a communication interface; at least one processor; memory in communication with said at least one processor; software code stored in said memory, which when executed causes said system to: instantiate an automated agent that maintains a reinforcement learning neural network and generates, according to outputs of said reinforcement learning neural network, signals for communicating task requests; receive a plurality of states and a plurality of actions for the automated agent; initialize a learning table Q for the automated agent based on the plurality of states and the plurality of actions; compute a plurality of updated learning tables based on the initialized learning table Q using a utility function, the utility function comprising a monotonically increasing concave function; and generate an averaged learning table Q' based on the plurality of updated learning tables.

IPC Classes  ?

60.

SYSTEM AND METHOD FOR LOADING SECURE DATA IN MULTIPARTY SECURE COMPUTING ENVIRONMENT

      
Document Number 03220291
Status Pending
Filing Date 2022-05-17
Open to Public Date 2022-11-24
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Ortiz, Edison U.
  • Mckay, David Ian
  • Knoess, Christoph
  • Baek, Seung Bong
  • Khandavilli, Ravi
  • Nabulsi, Adel Al
  • Badal-Badalian, Arnold
  • Simonelis, Justin

Abstract

A computational approach is proposed herein for controlling a user interface for rendering of interactive graphical control elements representing offers and coupons that are inserted into a computational payment process. In particular, the offers and coupons can interact with stored payment information resident (or tokens thereof) on a digital wallet data structure. The approach can be implemented as a computing system, a computing method operable on a computing system, or a computer program product affixed in the form of a non-transitory computer readable medium storing machine-interpretable instructions.

IPC Classes  ?

  • G06Q 30/00 - Commerce
  • G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 16/22 - Indexing; Data structures therefor; Storage structures
  • G06F 16/245 - Query processing

61.

SYSTEM AND METHOD FOR MACHINE LEARNING ARCHITECTURE WITH INVERTIBLE NEURAL NETWORKS

      
Document Number 03159971
Status Pending
Filing Date 2022-05-20
Open to Public Date 2022-11-21
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Forsyth, Peter
  • Przystupa, Michael
  • Recoskie, Daniel
  • Lehrmann, Andreas Steffen Michael

Abstract

A computer system and method for predicting an output for an input are provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method comprises at least one of estimating a posterior for a plurality of inputs and associated outputs, or providing a point estimate without sampling. The method also comprises predicting the output for a new observation input.

IPC Classes  ?

62.

SYSTEM AND METHOD FOR CONDITIONAL MARGINAL DISTRIBUTIONS AT FLEXIBLE EVALUATION HORIZONS

      
Document Number 03160224
Status Pending
Filing Date 2022-05-21
Open to Public Date 2022-11-21
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Radovic, Alexander
  • He, Jiawei
  • Ramanan, Janahan Mathuran
  • Brubaker, Marcus Anthony
  • Lehrmann, Andreas Steffen Michael

Abstract

The methods and systems are directed to computational approaches for training and using machine learning algorithms to predict the conditional marginal distributions of the position of agents at flexible evaluation horizons and can enables more efficient path planning. These methods model agent movement by training a deep neural network to predict the position of an agent through time. A neural ordinary differential equation (neural ODE) that represents this neural network can be used to determine the log-likelihood of the agent's position as it moves in time.

IPC Classes  ?

  • G06N 3/02 - Neural networks
  • B60W 60/00 - Drive control systems specially adapted for autonomous road vehicles
  • G06N 3/047 - Probabilistic or stochastic networks
  • G06N 3/08 - Learning methods

63.

SYSTEM AND METHOD FOR CONTINUOUS DYNAMICS MODEL FROM IRREGULAR TIME-SERIES DATA

      
Document Number 03159847
Status Pending
Filing Date 2022-05-20
Open to Public Date 2022-11-21
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Deng, Ruizhi
  • Brubaker, Marcus Anthony
  • Mori, Gregory Peter
  • Lehrmann, Andreas Steffen Michael

Abstract

A system for machine learning architecture for time series data prediction. The system may be configured to: maintain a data set representing a neural network having a plurality of weights; obtain time series data associated with a data query; generate, using the neural network and based on the time series data, a predicted value based on a sampled realization of the time series data and a normalizing flow model, the normalizing flow model based on a latent continuous-time stochastic process having a stationary marginal distribution and bounded variance; and generate a signal providing an indication of the predicted value associated with the data query.

IPC Classes  ?

64.

SYSTEM AND METHOD FOR ADVERSARIAL VULNERABILITY TESTING OF MACHINE LEARNING MODELS

      
Document Number 03159935
Status Pending
Filing Date 2022-05-20
Open to Public Date 2022-11-20
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Castiglione, Giuseppe Marcello Antonio
  • Ding, Weiguang
  • Wu, Ga
  • Srinivasa, Christopher Cote
  • Hashemi Amroabadi, Sayedmasound

Abstract

A system and method for adversarial vulnerability testing of machine learning models is proposed that receives as an input, a representation of a non-differentiable machine learning model, transforms the input model into a smoothed model and conducts an adversarial search against the smoothed model to generate an output data value representative of a potential vulnerability to adversarial examples. Variant embodiments are also proposed, directed to noise injection, hyperparameter control, and exhaustive / sampling-based searches in an effort to balance computational efficiency and accuracy in practical implementation. Flagged vulnerabilities can be used to have models re-validated, re-trained, or removed from use due to an increased cybersecurity risk profile.

IPC Classes  ?

  • G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
  • G06N 20/00 - Machine learning
  • G06N 3/02 - Neural networks

65.

SYSTEM AND METHOD FOR PROBABILISTIC FORECASTING USING MACHINE LEARNING WITH A REJECT OPTION

      
Document Number 03155318
Status Pending
Filing Date 2022-04-07
Open to Public Date 2022-10-07
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Meng, Lili
  • Chang, Xiaobin
  • Mori, Gregory
  • Tung, Frederick

Abstract

A computer-implemented system and method for training a machine learning model are disclosed, the method includes: maintaining a data set representing a neural network having a plurality of weights; receiving input data comprising a plurality of time series data sets ending with timestamp t-1; generating, using the neural network and based on the input data, a probabilistic forecast distribution prediction at timestamp t and a selection value associated with the probabilistic forecast distribution prediction at timestamp t; computing a loss function based on the selection value; and updating at least one of the plurality of weights of the neural network based on the loss function.

IPC Classes  ?

  • G06N 3/08 - Learning methods
  • G06N 3/044 - Recurrent networks, e.g. Hopfield networks
  • G06N 3/04 - Architecture, e.g. interconnection topology

66.

PROTOCOL AND GATEWAY FOR COMMUNICATING SECURE TRANSACTION DATA

      
Document Number 03214509
Status Pending
Filing Date 2022-03-23
Open to Public Date 2022-09-29
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Ortiz, Edison U.
  • Badal-Badalian, Arnold
  • Liu, Ming Li
  • Khandavilli, Ravi

Abstract

Systems and methods for secure communication of data packets are described using a communications gateway and protocol. One or more payment generator devices utilize trusted execution environments to store identity attestation parameters which are then utilized during registration and/or validation of device identity at the gateway for secure transmission of secure data, including, for example, payment data.

IPC Classes  ?

67.

SYSTEMS AND METHODS FOR ESTABLISHING DATA LINKAGES

      
Document Number 03216827
Status Pending
Filing Date 2022-03-22
Open to Public Date 2022-09-29
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Ortiz, Edison U.
  • Mckay, David Ian
  • Knoess, Christoph
  • Khandavilli, Ravi
  • Nabulsi, Adel Al
  • Simonelis, Justin
  • Robertson, Richard Lee

Abstract

Systems and methods for establishing data linkages are described in various embodiments. A system architecture is described which provides a data processing orchestrator device or service which securely interoperates with data sets at various points in time associated with a set of interactions a user may have with computer systems. The data sets are obtained from different data repositories, and are combined together for analysis such that a first data set representing intents (e.g., web search / browse history) can be combined together with a second data set representing outcomes (e.g., purchase transaction history, web site shopping carts).

IPC Classes  ?

  • G06Q 30/02 - Marketing; Price estimation or determination; Fundraising
  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 16/95 - Retrieval from the web
  • G06N 20/00 - Machine learning

68.

SYSTEM AND METHOD FOR MACHINE LEARNING MONITORING

      
Document Number 03147976
Status Pending
Filing Date 2022-02-03
Open to Public Date 2022-08-03
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Duplessis, Francis
  • Albooyeh, Marjan
  • Hopp, Nathaniel
  • Chow, Sam
  • Rafsan, Mohammad

Abstract

A machine learning model is monitored by generating a time series of discrete time bins; for each of the discrete time bins: generating data point labels predicted using a labeling function to apply weak labels to incoming data; for each of the data point labels, generating one or more metric values based on one or more metrics by comparing the data point label to output labels of the machine learning model from the incoming data; and generating an aggregate metric for the time bin based on the one or more metric values for the data point labels of the time bin; and identifying anomalies in the aggregate metrics of the time bins of the time series.

IPC Classes  ?

69.

SYSTEM AND METHOD FOR HETEROGENEOUS MULTI-TASK LEARNING WITH EXPERT DIVERSITY

      
Document Number 03147785
Status Pending
Filing Date 2022-02-03
Open to Public Date 2022-08-03
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Aoki, Raquel
  • Tung, Frederick
  • Oliveira, Gabriel L.

Abstract

A computer system and method for training a heterogeneous multi-task learning network is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method comprises assigning expert models to each task, processing training input for each task, and storing a final set of weights. For each task, weights in the expert models and in gate parameters are initialized, training inputs are provided to the network, a loss is determined following a forward pass over the network, and losses are back propagated and weights are updated for the experts and the gates. At least one task is assigned one exclusive expert model and at least one shared expert model accessible by the plurality of tasks.

IPC Classes  ?

70.

SYSTEM AND METHOD FOR MACHINE LEARNING ARCHITECTURE FOR OUT-OF-DISTRIBUTION DATA DETECTION

      
Document Number 03146905
Status Pending
Filing Date 2022-01-27
Open to Public Date 2022-07-27
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Wu, Ga
  • Jawandha, Anmol Singh
  • Srinivasa, Christopher Cote

Abstract

Systems and methods for machine learning architecture for out-of-distribution data detection. The system may include a processor and a memory storing processor-executable instructions that may, when executed, configure the processor to: receive an input data set; generate an out-of- distribution prediction based on the input data set and an auto-encoder, the auto-encoder trained based on a pretext task including a transformation of one or more training data sets for reconstruction, the trained auto-encoder trained for reducing a reconstruction error to encode semantic meaning of the training data sets; and generate a signal for providing an indication of whether the input data set is an out-of-distribution data set.

IPC Classes  ?

71.

SYSTEM AND METHOD FOR SECURE WEB SERVICE ACCESS CONTROL

      
Document Number 03146938
Status Pending
Filing Date 2022-01-26
Open to Public Date 2022-07-26
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Badal-Badalian, Arnold
  • Baek, Seung Bong
  • Imam, Syed Ahmar

Abstract

A computer system and method for populating electronic payment credentials is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method comprises receiving a browser extension activation input, sending a payment details request message to a financial institution system, receiving payment details from the financial institution system following authentication at a mobile device, and populating a payment form on the browser using the payment details.

IPC Classes  ?

  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06F 16/95 - Retrieval from the web

72.

SYSTEM AND METHOD FOR NATURAL LANGUAGES PROCESSING WITH PRETAINED LANGUAUAGE MODELS

      
Document Number 03146673
Status Pending
Filing Date 2022-01-25
Open to Public Date 2022-07-25
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • El Asri, Layla
  • Chakraborty, Aishik
  • Mehran Kazemi, Seyed

Abstract

A computer-implemented system and method and for learning an entity- independent representation are disclosed. The method may include: receiving an input text; identifying named entities in the input text; replacing the named entities in the input text with entity markers; parsing the input text into a plurality of tokens; generating a plurality of token embeddings based on the plurality of tokens; generating a plurality of positional embeddings based on the respective position of each of the plurality of tokens within the input text; generating a plurality of token type embeddings based on the plurality of tokens and the one or more named entities in the input text; and processing the plurality of token embeddings, the plurality of positional embeddings, and the plurality of token type embeddings using a transformer neural network model to generate a hidden state vector for each of the plurality of tokens in the input text.

IPC Classes  ?

73.

DYNAMIC SUBSYSTEM OPERATIONAL SEQUENCING TO CONCURRENTLY CONTROL AND DISTRIBUTE SUPERVISED LEARNING PROCESSOR TRAINING AND PROVIDE PREDICTIVE RESPONSES TO INPUT DATA

      
Document Number 03166515
Status Pending
Filing Date 2021-04-07
Open to Public Date 2022-07-07
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Levy, Joshua Howard
  • Legault, Jacy Myles
  • Czechowski, Kenneth

Abstract

A supervised learning processing (SLP) system and method provide cooperative operation of a network of supervised learning processors to concurrently distribute supervised learning processor training, generate predictions, provide prediction driven responses to input objects, and provide operational sequencing to concurrently control and distribute supervised learning processor training and provide predictive responses to input data. The SLP system can dynamically sequence SLP subsystem operations to improve resource utilization, training quality, and/or processing speed. A system monitor-controller can dynamically determine if process environmental data indicates initiation of dynamic subsystem processing sequencing. Concurrently training SLPs provides accurate predictions of input objects and responses thereto and enhances the network by providing high quality value predictions and responses and avoiding potential training and operational delays. The SLP system can enhance the network of SLP subsystems by providing flexibility to incorporate multiple SLP models into the network and train with concurrent commercial operations.

IPC Classes  ?

74.

SYSTEMS AND METHODS OF DYNAMIC GRAPHICAL USER INTERFACES FOR RESOURCE POOL ALLOCATION

      
Document Number 03143853
Status Pending
Filing Date 2021-12-23
Open to Public Date 2022-06-23
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Fawcett, Nigel
  • Kaufman, Leanne
  • Bacchus, Nicole
  • Leung, Charlene
  • Guiyab, Joseph
  • Tagoe, Edwardette
  • Porreca, Marisa
  • Collins, Stephanie
  • Savoy, Pauline
  • Kagami, Sayuri
  • Lindsay, Daryl
  • Routhier, Felicia
  • Younis, Nada
  • Poulin, Melanie
  • Kasper, Michelle
  • Matschke, Ann
  • Woo, Tracey

IPC Classes  ?

  • G06F 9/451 - Execution arrangements for user interfaces
  • G06Q 50/10 - Services
  • G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
  • G06F 3/04842 - Selection of displayed objects or displayed text elements

75.

SYSTEM AND METHOD FOR DETECTING FRAUDULENT ELECTRONIC TRANSACTIONS

      
Document Number 03139653
Status Pending
Filing Date 2021-11-19
Open to Public Date 2022-05-20
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Yadav, Vikash
  • Afsariardchi, Niloufar
  • Rahmani, Sahar
  • Tiwari, Amit Kumar
  • O'Keeffe, Cormac
  • Hallaji, Matin
  • Swerdfeger, Daniel
  • Liu, Cheng Chen

Abstract

A computer system for, and method of, detecting fraudulent electronic transactions is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method comprises accessing a trained model, receiving real-time transaction data, extracting graph- based and statistical features to enrich the real-time transaction data, and determining an account proximity score for the real-time transaction data.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06N 20/00 - Machine learning

76.

SYSTEM AND METHOD FOR TRANSFERABLE NATURAL LANGUAGE INTERFACE

      
Document Number 03135717
Status Pending
Filing Date 2021-10-22
Open to Public Date 2022-04-23
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Cao, Yanshuai
  • Xu, Peng
  • Tang, Keyi
  • Yang, Wei
  • Zi, Wenjie
  • Long, Teng
  • Cheung, Jackie Chit Kit
  • Huang, Chenyang
  • Mou, Lili
  • Shahidi, Hamidreza
  • Kadar, Akos

Abstract

A computer system and method for answering a natural language question is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method comprises receiving a natural language question, generating a SQL query based on the natural language question, generating an explanation regarding a solution to the natural language question as answered by the SQL query, and presenting the solution and the explanation.

IPC Classes  ?

77.

SYSTEM AND METHOD FOR MACHINE LEARNING FAIRNESS TEST

      
Document Number 03133729
Status Pending
Filing Date 2021-10-08
Open to Public Date 2022-04-08
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Castiglione, Giuseppe Marcello Antonio
  • Prince, Simon Jeremy Damion
  • Srinivasa, Christopher Cote

Abstract

Systems and methods for diagnosing and testing fairness of machine learning models based on detecting individual violations of group definitions of fairness, via adversarial attacks that aim to perturb model inputs to generate individual violations. The systems and methods employ auxiliary machine learning models using a local surrogate for identifying group membership and assess fairness by measuring the transferability of attacks from this model. The systems and methods generate fairness indicator values indicative of discrimination risk due to the target predictions generated by the machine learning model, by comparing gradients of the machine learning model to gradients of an auxiliary machine learning model. - 87 -

IPC Classes  ?

78.

SYSTEMS AND METHODS OF ADAPTIVELY IDENTIFYING ANOMALOUS NETWORK COMMUNICATION TRAFFIC

      
Document Number 03126127
Status Pending
Filing Date 2021-07-27
Open to Public Date 2022-03-25
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Mammadli, Nariman
  • Viyachki, Atanas

Abstract

Systems and methods for adaptively identifying anomalous network communication traffic. The system includes a processor and a memory coupled to the processor. The memory includes processor-executable instructions that configure the processor to: obtain data associated with a sequence of network communication events; determine that the sequence of communication events is generated by a computing agent based on a symmetricity measure associated with the sequence of network communication events; generate a threat prediction value for the sequence of network communication events prior-generated by the computing agent based on a combination of the symmetricity measure and a randomness measure associated with the network communication events; and transmit a signal for communicating that the sequence of network communication events is a potential malicious sequence of network communication events based on the threat prediction value.

IPC Classes  ?

  • H04L 12/22 - Arrangements for preventing the taking of data from a data transmission channel without authorisation

79.

SYSTEM AND METHOD FOR STRUCTURE LEARNING FOR GRAPH NEURAL NETWORKS

      
Document Number 03131843
Status Pending
Filing Date 2021-09-24
Open to Public Date 2022-03-25
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Kazemi, Seyed Mehran
  • Fatemi, Bahare
  • El Asri, Layla

Abstract

A graph structure having nodes and edges is represented as an adjacency matrix, and nodes of the graph structure have node features. A computer-implemented method and system for generating a graph structure are provided, the method comprising: generating an adjacency matrix based on a plurality of node features; generating a plurality of noisy node features based on the plurality of node features; generating a plurality of denoised node features using a neural network based on the plurality of noisy node features and the adjacency matrix; and updating the adjacency matrix based on the plurality of denoised node features.

IPC Classes  ?

80.

SYSTEM AND METHOD FOR MULTIPARTY SECURE COMPUTING PLATFORM

      
Document Number 03194754
Status Pending
Filing Date 2021-09-13
Open to Public Date 2022-03-17
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Vintila, Iustina-Miruna
  • Simonelis, Justin
  • Khandavilli, Ambica Pawan
  • Knoess, Christoph
  • Mckay, David Ian
  • Ortiz, Edison U.
  • Pourtabatabaie, Arya
  • Richards, Jordan Alexander
  • Salter, Margaret Inez

Abstract

Systems, methods, and corresponding non-transitory computer readable media describe a proposed system adapted as a platform governing the loading of data in a multiparty secure computing environment. In the multiparty secure computing environment described herein, multiple parties are able to load their secure information into a data warehouse having specific secure processing adaptations that limit both access and interactions with data stored thereon.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 16/90 - Information retrieval; Database structures therefor; File system structures therefor - Details of database functions independent of the retrieved data types

81.

SYSTEM AND METHOD FOR MULTIPARTY SECURE COMPUTING PLATFORM

      
Document Number 03194757
Status Pending
Filing Date 2021-09-13
Open to Public Date 2022-03-17
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Vintila, Iustina-Miruna
  • Simonelis, Justin
  • Khandavilli, Ambica Pawan
  • Knoess, Christoph
  • Mckay, David Ian
  • Ortiz, Edison U.
  • Pourtabatabaie, Arya
  • Richards, Jordan Alexander
  • Salter, Margaret Inez

Abstract

Systems, methods, and corresponding non-transitory computer readable media describe a proposed system adapted as a platform governing the loading of data in a multiparty secure computing environment. In the multiparty secure computing environment described herein, multiple parties are able to load their secure information into a data warehouse having specific secure processing adaptations that limit both access and interactions with data stored thereon.

IPC Classes  ?

  • G06F 21/00 - Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 16/903 - Querying
  • G06Q 30/00 - Commerce

82.

WEB SERVICES FOR DATA AGGREGATION AND APPLICATION FOR PATH TRAVERSAL IN KNOWLEDGE GRAPHS

      
Document Number 03130236
Status Pending
Filing Date 2021-09-09
Open to Public Date 2022-03-09
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Marikar, Mohammed
  • Sun, Jiahao
  • Tong, Jiaxing
  • Jayakody, Ryan
  • Burandt, Derek
  • Gupta, Jayasree
  • Rao, Prasanth
  • Wen, Yizhe
  • Guiducci, Adam James
  • Wang, Chen Hang

Abstract

Embodiments generally relate to real-time profile search interfaces and web services with the ability to real-time search for and view details on entities and visualizations of the network. The computer service enables real-time profile search of entities and performs a sequence of data aggregation heuristics to present a consolidated view of an individual.

IPC Classes  ?

83.

SYSTEMS AND METHODS OF DYNAMIC RESOURCE ALLOCATION AMONG NETWORKED COMPUTING DEVICES

      
Document Number 03129987
Status Pending
Filing Date 2021-09-03
Open to Public Date 2022-03-03
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Milton, Arun John
  • Nabulsi, Adel Al
  • Sood, Sanaabh
  • Trieu, Seng
  • Udeshi, Manjari Paresh
  • Ortiz, Edison U.
  • Martin Sacristan, Juan
  • Vintila, Iustina-Miruna

Abstract

Systems and methods of dynamic resource allocation. The system may include a processor and a memory coupled to the processor. The memory stores processor-executable instructions that, when executed, configure the processor to: receive a signal representing a resource allocation request; determine a projected resource availability based on a resource model and a second data set including at least one data record unrepresented in batched historical data sets, the batched historical data sets including data records representing at least one of recurring or non- recurring resource allocations, and wherein the resource model is prior- trained based on the batched historical data sets; and generate an output signal for displaying the projected resource availability corresponding with the resource allocation request.

IPC Classes  ?

  • G06F 9/50 - Allocation of resources, e.g. of the central processing unit [CPU]

84.

WEB APPLICATION FOR SERVICE RECOMMENDATIONS WITH MACHINE LEARNING

      
Document Number 03128218
Status Pending
Filing Date 2021-08-12
Open to Public Date 2022-03-02
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Goncalves, Kelly
  • Goldman, Russell
  • Paryab, Neda
  • Kapahi, Sidhant
  • Winslow, Maria
  • Lam, Chai
  • Mcisaac, Hannah

Abstract

Embodiments relate to web applications and interfaces providing personalized access to relevant wellness resources using microservices and machine learning models. Embodiments relate to web applications and interfaces that provide recommendations based on personas computed using machine learning models. The interfaces and web applications using microservices to provide interface tools that scale to multiple users.

IPC Classes  ?

  • G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
  • G06Q 50/10 - Services
  • G06F 16/95 - Retrieval from the web
  • G06N 20/00 - Machine learning

85.

SYSTEM AND METHOD FOR DOCUMENT MANAGEMENT AND COLLABORATION

      
Document Number 03128076
Status Pending
Filing Date 2021-08-12
Open to Public Date 2022-02-28
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Sheikh, Daniel
  • Mustafa, Laiba
  • Liu, Thomas
  • Yang, Sophia
  • Shah, Manish K.
  • Khodak, Leah
  • Kuznetsov, Lev

Abstract

Systems and methods for processing extracted data from different data sources to classify the data as an intent, a concern, and an insight for a client using an intent/concern engine. The system has a handler to route the data to a client domain, a financial product domain, a client insight domain and a client concern domain in some embodiments. The system can determine action or task recommendation based on the intent, concern, and insight for the client using a business rule system, and transmits the action or task recommendation to an advisor interface.

IPC Classes  ?

86.

SYSTEM AND METHOD FOR INTELLIGENT RESOURCE MANAGEMENT

      
Document Number 03128291
Status Pending
Filing Date 2021-08-13
Open to Public Date 2022-02-28
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Ma, Mary Xiaoyu
  • Gritter, Joel Aidan
  • Hasmani, Inaara
  • Prayogo, Nicholas Andrien
  • Habib, Imran
  • Stanton, Richard
  • Hague, Jenna
  • Cheng, Victor

Abstract

A computer system and method for intelligent system diagnostics and management is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method comprises receiving resource data and usage data, preprocessing the resource data and the usage data into operational data, training and updating a foresight model using the operational data, receiving a forecast generated by the foresight model, and sending a notification for a recommended action based on the forecast. The forecast may be associated with a future resource state or event associated with the operational data.

IPC Classes  ?

87.

SYSTEMS AND METHODS FOR MONITORING TECHNOLOGY INFRASTRUCTURE

      
Document Number 03129304
Status Pending
Filing Date 2021-08-30
Open to Public Date 2022-02-28
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Alikiaamiri, Seyedramin
  • Rostamiforooshani, Mehdi
  • Mashayekhi, Morteza
  • Liu, Frank
  • Mendoza, Martin
  • Ningegowda, Keerthi
  • Liu, Chuhang

Abstract

Systems and methods of monitoring technology infrastructure using alerts indicative service events and tickets indicative of incidents reported to the support system, including transmitting, to a client via a network, structured support data including issue data and correlation data. The issue data represents issues, which are fewer than the number of tickets, generated by processing textual data of the tickets through a clustering engine implementing a generative probabilistic model and generating the correlation data by associating alerts and tickets by correlating alert-specific identifiers and ticket-specific identifiers. The identifiers are of least one of identifier times, locations, names, or descriptions. A prioritization engine is also disclosed.

IPC Classes  ?

  • G06F 16/35 - Clustering; Classification
  • G06F 40/284 - Lexical analysis, e.g. tokenisation or collocates
  • G06F 3/048 - Interaction techniques based on graphical user interfaces [GUI]

88.

SYSTEM AND METHOD FOR ANOMALOUS DATABASE ACCESS MONITORING

      
Document Number 03129245
Status Pending
Filing Date 2021-08-27
Open to Public Date 2022-02-27
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Mammadli, Nariman
  • Sattari, Hamidreza

Abstract

Systems and methods for database access monitoring are provided. The system comprises at least one processor and a memory storing instructions which when executed by the at least one processor configure the at least one processor to perform the method. The method comprises receiving login event data, generating a vector representation of a subject entity and a vector representation of an object entity associated with a login event in the login event data, determining a distance between the subject entity and the object entity, and determining an anomaly score for the subject entity and the object entity. The anomaly score based at least in part on the distance between the subject entity and object entity.

IPC Classes  ?

  • G06F 11/30 - Monitoring
  • G06F 21/31 - User authentication
  • G06F 21/50 - Monitoring users, programs or devices to maintain the integrity of platforms, e.g. of processors, firmware or operating systems

89.

SYSTEM AND METHOD FOR CASCADING DECISION TREES FOR EXPLAINABLE REINFORCEMENT LEARNING

      
Document Number 03128664
Status Pending
Filing Date 2021-08-19
Open to Public Date 2022-02-19
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Ding, Zihan
  • Hernandez-Leal, Pablo Francisco
  • Ding, Weiguang
  • Li, Changjian
  • Huang, Ruitong

Abstract

The approaches described herein are adapted to provide a technical, computational mechanism to aid in improving explainability of machine learning architectures or for generating more explainable machine learning architectures. Specifically, the approaches describe a proposed implementation of cascading decision tree (CDT) based representation learning data models which can be structured in various approaches to learn features of varying complexity.

IPC Classes  ?

90.

FACIAL RECOGNITION TOKENIZATION

      
Document Number 03189780
Status Pending
Filing Date 2021-07-21
Open to Public Date 2022-01-27
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Hashemi Amroabadi, Sayedmasoud
  • Ortiz, Edison U.
  • Jafarzadeh, Sara Zafar
  • Pourtabatabaie, Arya
  • Salter, Margaret Inez
  • Srinivasa, Christopher Cote
  • Vintila, Iustina-Miruna

Abstract

An approach for increasing security of biometric templates is described. An improved system is adapted to split a full set of features or representations of a trained model into a first partial template and a second partial template, the second partial template being stored on a secure enclave accessible only through zero-knowledge proof based interfaces. During verification using the template, a new full set of features is received for comparison, and a model is loaded based on the available portions of the model. Comparison utilizing the second partial template requires the computation of zero-knowledge proofs as direct access to the underlying second partial template is prohibited by the secure enclave.

IPC Classes  ?

  • G06F 21/60 - Protecting data
  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

91.

SECURE IDENTITY DATA TOKENIZATION AND PROCESSING

      
Document Number 03124502
Status Pending
Filing Date 2021-07-13
Open to Public Date 2022-01-13
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Germain, Benoit
  • Badal-Badalian, Arnold
  • Baek, Seung Bong

Abstract

A system for secure identity data tokenization and processing, the system adapted to receive a loan provisioning request from a merchant computing device associated with an individual and to receive, from a secure identity verification computing device, a secure identity token data object attesting to an identity of the individual. A secure identity token data object is processed to verify the identity of the individual and to initiate a loan origination process. A request for an electronic transaction to be paid or partially paid using funds represented in the dynamic card token data object associated with the unique loan identifier data value and a a payment package data object is generated to encapsulate a tokenized representation of a dynamic card data object associated with the dynamic card token data object, an electronic representation of the funds to be provided from the dynamic card token data object.

IPC Classes  ?

  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

92.

SYSTEMS AND METHODS FOR DIVERSE KEYPHRASE GENERATION WITH NEURAL UNLIKELIHOOD TRAINING

      
Document Number 03123792
Status Pending
Filing Date 2021-06-30
Open to Public Date 2021-12-30
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Bahuleyan, Hareesh Pallikara
  • El Asri, Layla

Abstract

Computer implemented methods and systems are provided for generating diverse key phrases while maintaining competitive output quality. A system for training a sequence to sequence (S2S) machine learning model is proposed where neural unlikelihood objective approaches are used at (1) a target token level to discourage the generation of repeating tokens, and (2) a copy token level to avoid copying repetitive tokens from the source text. K-step ahead token prediction approaches are also proposed as an additional mechanism to augment the approach to further enhance the overall diversity of key phrase outputs.

IPC Classes  ?

93.

SYSTEM AND METHOD FOR ELECTRONIC CREDENTIAL TOKENIZATION

      
Document Number 03122951
Status Pending
Filing Date 2021-06-18
Open to Public Date 2021-12-18
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Badal-Badalian, Arnold
  • Ortiz, Edison U.
  • Khandavilli, Ambica Pawan
  • Baek, Seung Bong
  • Rogerro, Manuel
  • Agrawal,raghavendra

Abstract

A computer system and method for tokenizing an loT device is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method obtaining device information, generating a credential token based on the device information, and processing an electronic transaction using the credential token.

IPC Classes  ?

94.

SYSTEM AND METHOD FOR UNSUPERVISED SCENE DECOMPOSITION USING SPATIO-TEMPORAL ITERATIVE INFERENCE

      
Document Number 03120631
Status Pending
Filing Date 2021-06-02
Open to Public Date 2021-12-02
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Zablotskaia, Polina
  • Sigal, Leonid
  • Lehrmann, Andreas Steffen Michael

Abstract

Systems and methods for unsupervised multi-object scene decomposition that involve a spatio- temporal amortized inference model for multi-object video decomposition. Systems and methods involve a new spatio-temporal iterative inference framework to jointly model complex multi-object representations and the explicit temporal dependencies between the frames. Those dependencies improve overall quality of decomposition, encode information about object dynamics and can be used to predict future trajectories of each object separately. Additionally, the model can generate precise estimations and output data even without color information. The model has scene decomposition, segmentation and future prediction capabilities. The processor can use the model to simulate future frames of the scene data.

IPC Classes  ?

95.

SYSTEM AND METHOD FOR NEURAL TIME SERIES PREPROCESSING

      
Document Number 03117168
Status Pending
Filing Date 2021-05-04
Open to Public Date 2021-11-04
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Lui, Yik Chau (kry)
  • Chen, Danlan
  • Chang, Bo

Abstract

Systems and methods for neural time series preprocessing and forecasting, dividing time series data to generate chunks of short time series, inputting each of the short time series to a data preprocessing neural network that includes differencing to transform non-stationary data to stationary data and to filter noise, generating and outputting, from the data preprocessing neural network, processed time series data, and inputting the processed time series data to a forecasting neural network. Parameters of the data preprocessing neural network and parameters of the forecasting neural network are learned end-to-end.

IPC Classes  ?

96.

SYSTEM AND METHOD FOR TESTING MACHINE LEARNING

      
Document Number 03114687
Status Pending
Filing Date 2021-04-09
Open to Public Date 2021-10-09
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Lui, Yik Chau
  • Cao, Yanshuai

Abstract

ABSTRACT A machine learning failure discriminator machine is described, along with corresponding systems, methods, and non-transitory computer readable media. The approach operates in relation to an iterative machine learning model and includes a phased approach to extract p-values from the iterative machine learning model based on modified versions of the training or validation data sets. The p-values are then used to identify whether various null hypotheses can be rejected, and accordingly, to generate an output data structure indicative of an estimated failure reason, if any. The output data structure may be made available on an API or on a graphical user interface. Date Recue/Date Received 2021-04-09

IPC Classes  ?

97.

SYSTEM AND METHOD FOR FACILITATING EXPLAINABILITY IN REINFORCEMENT MACHINE LEARNING

      
Document Number 03114054
Status Pending
Filing Date 2021-04-01
Open to Public Date 2021-10-01
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Hernandez Leal, Pablo Francisco
  • Huang, Ruitong
  • Kartal, Bilal
  • Li, Changjian
  • Taylor, Matthew Edmund
  • Brandimarte, Alexander
  • Lam, Pui Shing

Abstract

Systems are methods are provided for facilitating explainability of decision- making by reinforcement learning agents. A reinforcement learning agent is instantiated which generates, via a function approximation representation, learned outputs governing its decision-making. Data records of a plurality of past inputs for the agent are stored, each of the past inputs including values of a plurality of state variables. Data records of a plurality of past learned outputs of the agent are also stored. A group definition data structure defining groups of the state variables are received. For a given past input a given group, data generated reflective of a perturbed input by altering a value of at least one state variable is generated, and are presented to the reinforcement learning agent to obtain a perturbed learned output generated by the reinforcement learning agent; and a distance metric is generated reflective of a magnitude of difference between the perturbed learned output and the past learned output.

IPC Classes  ?

98.

SYSTEM AND METHOD FOR DISTRIBUTED NON-LINEAR MASKING OF SENSITIVE DATA FOR MACHINE LEARNING TRAINING

      
Document Number 03109502
Status Pending
Filing Date 2021-02-18
Open to Public Date 2021-08-18
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Amjadian, Ehsan
  • Hui, Danny

Abstract

Described in various embodiments herein is a technical solution directed to training downstream machine learning models. In particular, specific machines, computer-readable media, computer processes, and methods are described that are utilized to improve data security during training downstream machine learning models, including decreasing the risk of unauthorized access of training data, decreasing the risk of unauthorized use of training data by authorized users, increasing system systemic speed, and reduced overall computational resource requirements. Training data is manipulated prior to being provided for training machine learning models.

IPC Classes  ?

  • G06N 20/00 - Machine learning
  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules

99.

SYSTEM AND METHOD FOR WEATHER DEPENDENT MACHINE LEARNING ARCHITECTURE

      
Document Number 03109505
Status Pending
Filing Date 2021-02-18
Open to Public Date 2021-08-18
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Watt, Graham Alexander
  • Amjadian, Ehsan

Abstract

A machine learning architecture is proposed that is directed to receive different time-series data sets relating to environmental conditions as well as a target variable for prediction and to transform the time-series data sets for training a plurality of different machine learning models. The trained machine learning models can be utilized to probe various configurations of environmental conditions, and in some embodiments, conduct first and second order co-efficient of variation determinations to generate one or more data values representative of environmental condition sensitivity metrics.

IPC Classes  ?

100.

SYSTEM AND METHOD FOR CONVERSATIONAL MIDDLEWARE PLATFORM

      
Document Number 03170012
Status Pending
Filing Date 2021-02-08
Open to Public Date 2021-08-12
Owner ROYAL BANK OF CANADA (Canada)
Inventor
  • Ahmadidaneshashtiani, Mohammadhosein
  • Jaiswal, Devina
  • Liu, Hanke
  • Macnamara, Darren Michael
  • Middleton, Ian Robert
  • Munro, Shawn Harold
  • Sang, Bo
  • To, Kylie

Abstract

A de-coupled computing infrastructure is described that is adapted to provide domain specific contextual engines based on conversational flow. The computing infrastructure further includes, in some embodiments, a mechanism for directing conversational flow in respect of a backend natural language processing engine. The computing infrastructure is adapted to control or manage conversational flows using a plurality of natural language processing agents.

IPC Classes  ?

  • G06F 40/35 - Discourse or dialogue representation
  • G06F 40/40 - Processing or translation of natural language
  • G06F 40/56 - Natural language generation
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