Patents Assigned to BANK OF CANADA
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Patent number: 11720792Abstract: Disclosed are systems, methods, and devices for generating a visualization of a deep reinforcement learning (DRL) process. State data is received, reflective of states of an environment explored by an DRL agent, each state corresponding to a time step. For each given state, saliency metrics are calculated by processing the state data, each metric measuring saliency of a feature at the time step corresponding to the given state. A graphical visualization is generated, having at least two dimensions in which: each feature of the environment is graphically represented along a first axis; and each time step is represented along a second axis; and a plurality of graphical markers representing corresponding saliency metrics, each graphical marker having a size commensurate with the magnitude of the particular saliency metric represented, and a location along the first and second axes corresponding to the feature and time step for the particular saliency metric.Type: GrantFiled: July 31, 2020Date of Patent: August 8, 2023Assignee: ROYAL BANK OF CANADAInventors: Matthew Edmund Taylor, Bilal Kartal, Pablo Francisco Hernandez Leal, Nathan Douglas, Dianna Yim, Frank Maurer
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Patent number: 11715017Abstract: 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. First and second task data are received. The task data are processed to compute a first performance metric reflective of performance of the automated agent relative to other entities in a first time interval, and a second performance metric reflective of performance of the automated agent relative to other entities in a second time interval. A reward for the reinforcement learning neural network that reflects a difference between the second performance metric and the first performance metric is computed and provided to the reinforcement learning neural network to train the automated agent.Type: GrantFiled: May 30, 2019Date of Patent: August 1, 2023Assignee: ROYAL BANK OF CANADAInventors: Hasham Burhani, Shary Mudassir, Xiao Qi Shi, Connor Lawless, Weiguang Ding
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Patent number: 11714679Abstract: A system for reinforcement learning in a dynamic resource environment includes at least one memory and at least one processor configured to provide an electronic resource environment comprising: a matching engine and the resource generating agent configured for: obtaining from a historical data processing task database a plurality of historical data processing tasks, each historical data processing task including respective task resource requirement data; for a historical data processing task of the plurality of historical data processing tasks, generating layers of data processing tasks wherein a first layer data processing task has an incremental variant in its resource requirement data relative to resource requirement data for a second layer data processing task; and providing the layers of data processing tasks for matching by the machine engine.Type: GrantFiled: July 20, 2021Date of Patent: August 1, 2023Assignee: ROYAL BANK OF CANADAInventors: Hasham Burhani, Zichang Long, Jonathan Cupillari
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Patent number: 11715465Abstract: 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.Type: GrantFiled: February 8, 2021Date of Patent: August 1, 2023Assignee: ROYAL BANK OF CANADAInventors: MohammadHosein Ahmadidaneshashtiani, Ian Robert Middleton, Shawn Harold Munro, Darren Michael MacNamara, Bo Sang, Devina Jaiswal, Hanke Liu, Kylie To
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Patent number: 11700257Abstract: A computer implemented system for controlling access to data associated with an entity includes a data storage device having a protected memory region, and one or more processors, at least one of which is operable in the protected memory region. The one or more processors are configured for: storing a secret key associated with the entity in a portion of the protected memory region associated with the entity; upon receiving entity data, storing the entity data in the portion of the protected memory region associated with the entity; and upon receiving an access grant signal, generating a smart contract, the smart contract defining the entity data to be accessed and a recipient of the entity data to be accessed.Type: GrantFiled: March 11, 2022Date of Patent: July 11, 2023Assignee: ROYAL BANK OF CANADAInventors: Edison U. Ortiz, Arya Pourtabatabaie, Ambica Pawan Khandavilli, Margaret Inez Salter, Jordan Alexander Richards, Iustina-Miruna Vintila, Sarah Rachel Waigh Yean Wilkinson
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Patent number: 11699152Abstract: Systems (100, 900), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.Type: GrantFiled: July 30, 2021Date of Patent: July 11, 2023Assignee: ROYAL BANK OF CANADAInventors: Stephen James Scott, Weiqiang Yin, Edison U. Ortiz, Terry W. Lee, Gabriel Y. Woo, Judy Dinn, Chai Lam
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Patent number: 11698803Abstract: System and methods providing for categorizing individual virtual machines, as well as the associated application that they form by working in concert, into groups based on the feasibility of hosting the processes that occur on a virtual machine within a container, as well as the relative difficulty of doing so on a virtual machine and application level. The data used to create these scores is collected from the individual machines, at regular intervals through the use of an automated scoring engine that collects and aggregates the data. Said data is then analyzed by the system, that with the aid of passed in configuration data, is configured to generate the scores to allows for an educated and focused effort to migrate from hosting applications on virtual machines to hosting applications on containers.Type: GrantFiled: August 15, 2019Date of Patent: July 11, 2023Assignee: ROYAL BANK OF CANADAInventors: Jacob Abbott, James Beck, Jacquelyn Du
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Patent number: 11694115Abstract: Systems and methods for expanding a multi-relational data structure tunable for generating a non-linear dataset from a time-dependent query. The systems include a processor and a memory. The memory may store processor-executable instructions that, when executed, configure the processor to: receive the query of the multi-relational data structure, wherein the query includes at least one entity node at a queried time relative to the time data; obtain, based on the query, a temporal representation vector based on a diachronic embedding of the multi-relational data structure, the diachronic embedding based on a combination of a first sub-function associated with a temporal feature and a second sub-function associated with a persistent feature; determine, from the temporal representation vector, at least one time-varied score corresponding to the queried time; and generate a response dataset based on the at least one time-varied score determined from the temporal representation vector.Type: GrantFiled: May 15, 2020Date of Patent: July 4, 2023Assignee: ROYAL BANK OF CANADAInventors: Seyed Mehran Kazemi, Rishab Goel
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Patent number: 11687928Abstract: Systems (100), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Common application programming interfaces executed by devices (110) may facilitate push and pull processes between electronic wallets (112) and other secure data stores (136, 120, 160). Users (190) may thereby initiate and complete electronic transactions directly from within applications on trusted devices (110?).Type: GrantFiled: July 28, 2021Date of Patent: June 27, 2023Assignee: ROYAL BANK OF CANADAInventors: Edison U. Ortiz, Terry W. Lee, Gabriel Y. Woo, Stephen James Scott, Weiqiang Yin, Judy Dinn, Chai Lam
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Patent number: 11687889Abstract: A system and method for handling crypto-asset transactions includes: receiving from a payment processing system an electronic transaction request including: a payment token corresponding to a payment identifier associated with the customer account, and a transaction amount in a fiat currency; determining current price data corresponding to a first crypto-asset and a second crypto-asset associated with the customer account; associating the electronic transaction request with at least one data processing task for executing at least one crypto-asset transaction; and when at least one crypto-asset confidence condition is satisfied based on the current price data of at least one of the first crypto-asset or the second crypto-asset, generating signals for providing, via the payment processing system, an indication that the electronic transaction request is authorized without waiting for confirmation of execution of the at least one crypto-asset transaction in the respective distributed ledger.Type: GrantFiled: April 2, 2019Date of Patent: June 27, 2023Assignee: ROYAL BANK OF CANADAInventors: Karim Talal Hamasni, Stefan Mueller, Atilla Murat Firat
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Patent number: 11681552Abstract: System and method for facilitating management of a time-varying resource pool. The system includes a processor and a memory coupled to the processor. The memory stores processor-executable instructions that, when executed, configure the processor to: obtain a time-series data set including data entries associated with one or more consumed resources; identify one or more recurring resource allocations based on recurring data entries of the time-series data set; identify additional resource allocations based on irregularly-timed data entries of the time-series data set; determine a forecasted resource pool value based on a combination of the identified recurring resource allocations and the additional resource allocations; and upon detection of a trigger condition, generate data for display, via a user interface, a scaled resource allocation value based on the forecasted resource pool value, the scaled resource allocation value corresponding to at least one time-based reference.Type: GrantFiled: February 13, 2020Date of Patent: June 20, 2023Assignee: ROYAL BANK OF CANADAInventors: Edison U. Ortiz, Juan Martin Sacristan, Iustina-Miruna Vintila, Arun John Milton, Adel Al Nabulsi
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Patent number: 11675183Abstract: A security device that exhibits at least one dynamic response upon change of orientation of the security device with respect to gravity, wherein the security device includes a hollow capsule completely filled with a liquid and one or more microscopic elements. In addition, the dynamic response continues after cessation of the change of orientation with respect to gravity. The dynamic response includes a transition of the one or more microscopic elements from substantial mechanical equilibrium to non-equilibrium upon action of the change of orientation with respect to gravity and back to substantial mechanical equilibrium after cessation of the change of orientation with respect to gravity. During the dynamic response, the one or more microscopic elements undergo at least one of a rotational motion and a translational motion relative to the liquid.Type: GrantFiled: December 16, 2020Date of Patent: June 13, 2023Assignees: National Research Council of Canada, Bank of CanadaInventors: Daniel Brassard, Lidija Malic, Keith J. Morton, Teodor Veres, Charles D. MacPherson, Theodoros Garanzotis
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Patent number: 11671396Abstract: Systems, methods, and devices for communication are described. A communication system includes a first communication device configured to communicate with a backup device and a destination; and a first tapping device for monitoring messages sent over a first communication link between the first communication device and the backup device. The first communication device includes at least one processor configured to: before sending a first message destined for the destination, send a backup message corresponding to the first message over the communication link for backup at the backup device; and upon confirmation of a tap copy of the backup message from the first tapping device, send the first message to the destination.Type: GrantFiled: March 18, 2016Date of Patent: June 6, 2023Assignee: ROYAL BANK OF CANADAInventor: Walter Michael Pitio
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Patent number: 11645524Abstract: A computer system and method for machine inductive learning on a graph is provided. In the inductive learning computational approach, an iterative approach is used for sampling a set of seed nodes and then considering their k-degree (hop) neighbors for aggregation and propagation. The approach is adapted to enhance privacy of edge weights by adding noise during a forward pass and a backward pass step of an inductive learning computational approach. Accordingly, it becomes more technically difficult for a malicious user to attempt to reverse engineer the edge weight information. Applicants were able to experimentally validate that acceptable privacy costs could be achieved in various embodiments described herein.Type: GrantFiled: May 9, 2020Date of Patent: May 9, 2023Assignee: ROYAL BANK OF CANADAInventors: Nidhi Hegde, Gaurav Sharma, Facundo Sapienza
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Patent number: 11636337Abstract: Systems and methods for knowledge distillation provide supervised training of a student network with a teacher network, including inputting a batch to the teacher network, inputting the batch to the student network, generating a teacher activation map at a layer of the teacher network, generating a student activation map at a layer of the student network corresponding to the layer of the teacher network, generating a pairwise teacher similarity matrix based on the teacher activation map, generating a pairwise student similarity matrix based on the student activation map, and minimizing a knowledge distillation loss defined as a difference between the pairwise teacher similarity matrix and the pairwise student similarity matrix.Type: GrantFiled: March 20, 2020Date of Patent: April 25, 2023Assignee: ROYAL BANK OF CANADAInventors: Frederick Tung, Gregory Mori
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Patent number: 11625598Abstract: Systems, devices, methods, and computer readable media for training a machine learning architecture include: receiving one or more observation data sets representing one or more observations associated with at least a portion of a state; and training the machine learning architecture with the one or more observation data sets, where the training includes updating the plurality of weights based on an error value, and at least one time-varying step-size value; wherein the at least one step-size value is based on a set of meta-weights which vary based on a stochastic meta-descent.Type: GrantFiled: March 5, 2019Date of Patent: April 11, 2023Assignee: ROYAL BANK OF CANADAInventor: Alexandra Kathleen Kearney
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Patent number: 11627153Abstract: Systems and methods for monitoring suspicious communication network traffic. The methods include obtaining data associated with a sequence of communication events transmitted via the communication network and determining an entropy approximation measure associated at least one event attribute for the sequence of communication events. The method includes generating a threat prediction value based on an anomaly classification model and the entropy approximation measure. The anomaly classification model is trained based on prior sequences of communication events to identify a non-outlier anomaly range associated with the at least one event attribute. The threat prediction value is generated based on classification of the entropy approximation measure relative to the non-outlier anomaly range associated with the at least one attribute for identifying a potential threat. The method includes transmitting a signal for communicating that the sequence is a potential threat within the communication network.Type: GrantFiled: September 25, 2020Date of Patent: April 11, 2023Assignee: ROYAL BANK OF CANADAInventors: Jamie Gamble, Nariman Mammadli
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Patent number: 11615414Abstract: Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the 5 secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, 10 authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements.Type: GrantFiled: October 26, 2020Date of Patent: March 28, 2023Assignee: ROYAL BANK OF CANADAInventors: Edison U. Ortiz, Terry W. Lee, Linda Mantia
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Patent number: 11615305Abstract: A variational hyper recurrent neural network (VHRNN) can be trained by, for each step in sequential training data: determining a prior probability distribution for a latent variable from a prior network of the VHRNN using an initial hidden state; determining a hidden state from a recurrent neural network (RNN) of the VHRNN using an observation state, the latent variable and the initial hidden state; determining an approximate posterior probability distribution for the latent variable from an encoder network of the VHRNN using the observation state and the initial hidden state; determining a generating probability distribution for the observation state from a decoder network of the VHRNN using the latent variable and the initial hidden state; and maximizing a variational lower bound of a marginal log-likelihood of the training data. The trained VHRNN can be used to generate sequential data.Type: GrantFiled: May 22, 2020Date of Patent: March 28, 2023Assignee: ROYAL BANK OF CANADAInventors: Ruizhi Deng, Yanshuai Cao, Bo Chang, Marcus Brubaker
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Patent number: D991943Type: GrantFiled: December 23, 2020Date of Patent: July 11, 2023Assignee: ROYAL BANK OF CANADAInventors: Nigel Fawcett, Leanne Kaufman, Nicole Bacchus, Charlene Leung, Joseph Guiyab, Edwardette Tagoe