US 12,282,785 B2
System and method for providing advisory notifications to mobile applications
Maryam Karbasi, Toronto (CA); Vanessa Li, Toronto (CA); Peter Horvath, Toronto (CA); Matthew James Lee, Toronto (CA); and Roozbeh Rokni, Toronto (CA)
Assigned to The Toronto-Dominion Bank, Toronto (CA)
Filed by The Toronto-Dominion Bank, Toronto (CA)
Filed on Aug. 12, 2021, as Appl. No. 17/400,278.
Prior Publication US 2023/0048437 A1, Feb. 16, 2023
Int. Cl. G06F 9/451 (2018.01); G06N 20/00 (2019.01); H04L 51/046 (2022.01); H04L 67/50 (2022.01)
CPC G06F 9/453 (2018.02) [G06N 20/00 (2019.01); H04L 51/046 (2013.01); H04L 67/535 (2022.05)] 20 Claims
OG exemplary drawing
 
1. A system for providing advisory notifications to mobile applications, the system comprising:
at least one processor;
at least one communications module, each coupled to one of the at least one processor; and
at least one memory, each coupled to one of the at least one processor, the at least one memory storing computer executable instructions that when executed by the at least one processor cause the at least one processor to:
provide a plurality of endpoints each associated with a sub-entity within an enterprise system of a financial institution that provides financial transactions, each endpoint storing client data sets corresponding to client accounts, each client account providing at least one feature in a mobile application for executing financial transactions associated with respective client accounts via corresponding enterprise endpoints of the plurality of enterprise endpoints;
provide a model in an adviser engine server positioned and operable between a mobile application server associated with the mobile application and the plurality of enterprise endpoints, the model being a machine learning model trained by a machine learning engine to automatically determine advisory notifications relevant to the client data sets, the plurality of endpoints, or both the client data sets and the plurality of endpoints;
train the model to determine an advisory notification based on different sets of client data from the plurality of endpoints;
provide a current state of a client account, determined by communicating with at least one endpoint of the plurality of endpoints of the enterprise system via the communications module, to the model;
use the model, the current state of the client accounts, and a set of rules, to determine the advisory notification to provide to the mobile application for the client account based on the current state of the at least one endpoint;
send, from the adviser engine server, the advisory notification via the mobile application server to a client device to display the advisory notification in the mobile application wherein the mobile application server is associated with the mobile application,
wherein the mobile application comprises a portion displaying information associated with the client account and related client accounts, and
wherein the advisory notification is displayed separately in a notification card, the notification card being adjacent to, and separate and distinct from the portion displaying information associated with the client account and related client accounts and wherein the model is used to determine whether advisory notifications should be displayed in a particular location in a graphical user interface displayed by the client device instead of another, different location in the graphical user interface.