Patents Assigned to BANK OF MONTREAL
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Patent number: 11977654Abstract: Embodiments relate to data storage systems and data processing systems using a data hub, connector grid, and channel services. The systems can extract raw data from a plurality of source systems, and load and store the raw data at a data hub implemented by a non-transient data store. The systems can receive request to generate data for consumption and, in response, transmit generates data sets to channel services. The system can implement event detection and logging. The system can implement policy enforcement and identity management with access controls.Type: GrantFiled: June 10, 2022Date of Patent: May 7, 2024Assignee: BANK OF MONTREALInventors: Iouri Mikhailov, Ching Leong Wan
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Publication number: 20240134663Abstract: Disclosed herein are systems and methods for validating loading of complete electronic form on a user interface of an electronic device. When the electronic form is displayed on the user interface, a server obtains current pixel data from the electronic device. The server then compares the current pixel data with prior pixel data determined from a pixel map. The pixel map is associated with the electronic form and the electronic device. When the current pixel data does not match with the prior pixel data, the server concludes that the electronic form is not fully displayed on the user interface. The server then executes a protocol for display of complete electronic form on the user interface.Type: ApplicationFiled: July 5, 2023Publication date: April 25, 2024Applicant: Bank of MontrealInventors: Deian IVANOV, Andrey MALASHENKO
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Publication number: 20240135352Abstract: A platform and process for electronic payment processing using electronic communications from different communication channels or bands. The system and process can generate alerts using fraud detection and verify payment requests using historical data and pattern recognition. The system and process can categorize images and extract payment data.Type: ApplicationFiled: January 3, 2024Publication date: April 25, 2024Applicant: Bank of MontrealInventors: Brian Chan, Kashif Arshad, Peter Hing-Cheong Poon, Vikram Pal
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Patent number: 11966318Abstract: A computer may receive a request to generate a snapshot view of the enterprise network infrastructure. The computer may implement a multithread process to contemporaneously query a plurality of blade servers and server enclosures within the entire network infrastructure. The computer may contemporaneously receive a plurality of information files from the queried network resources (e.g. the blade servers, server enclosures). An information file for a network resource may contain information of the network resource such as the operating status, currency (also referred to as assembly date), hardware serial number, firmware version, and/or other information of the network resources. Integrating the information in the received files, the computer may generate snapshot view file. The snapshot view file may be in hypertext markup language (HTML) format. The computer may transmit a selectable link to the snapshot view file to multiple user devices to be displayed in the respective web browsers.Type: GrantFiled: June 12, 2019Date of Patent: April 23, 2024Assignee: BANK OF MONTREALInventor: Rinat Rakhimov
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Publication number: 20240086815Abstract: A system and method for document summarization generates summarized articles and risk factor categorizations for display at a graphical user interface (GUI) dashboard. A transaction monitoring system includes an adverse media dashboard pipeline for processing risk factor alerts and generating document summarizations for display at a user device. Document summarization extracts several sentences from a source text and stacks the sentences to create a summary. The method creates a vector representation of each sentence using a machine learning word embedding model and generates a sentence similarity matrix by computing cosine similarity values. A sentence graph creation algorithm creates a graph corresponding to the sentence similarity matrix and calculates importance scores used in selecting sentences for the document summary.Type: ApplicationFiled: September 13, 2022Publication date: March 14, 2024Applicant: BANK OF MONTREALInventors: Drew R. GALOW, Meera DAS
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Publication number: 20240086816Abstract: A system and method for document summarization generates summarized articles and risk factor categorizations for display at a graphical user interface (GUI) dashboard. A transaction monitoring system includes an adverse media dashboard pipeline for processing risk factor alerts and generating document summarizations for display at a user device. Document summarization extracts several sentences from a source text and stacks the sentences to create a summary. The method creates a vector representation of each sentence using a machine learning word embedding model and generates a sentence similarity matrix by computing cosine similarity values. A sentence graph creation algorithm creates a graph corresponding to the sentence similarity matrix and calculates importance scores used in selecting sentences for the document summary.Type: ApplicationFiled: September 13, 2022Publication date: March 14, 2024Applicant: BANK OF MONTREALInventors: Drew R. GALOW, Meera DAS
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Patent number: 11928745Abstract: A new issue management (NIMS) platform configured to track and report on New Issue data and generate visual elements, alerts and reports for interface applications. The NIMS platform provides a data capture and normalization solution. The NIMS platform can streamline data capture and dissemination processes and procedures by reducing duplicative data entry and manual input. The NIMS platform can improve data consistency by establishing automated systems across various lines of business for an organization. The NIMS platform can implement data capture, remediation and migration of current and historical data.Type: GrantFiled: March 7, 2022Date of Patent: March 12, 2024Assignee: BANK OF MONTREALInventors: Duane Lee, Emily Cox
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Publication number: 20240046333Abstract: Disclosed methods and system describe a server that uses AI modeling to predict negative cash flow at a user level. The server periodically retrieves data associated with the user, the data comprising monetary attributes associated with one or more accounts of the user; executes a deep neural network model trained based upon historical data associated with at least a subset of the users configured to predict a negative cash flow in one or more accounts of the user, a depth of the negative cash flow, and a duration of the negative cash flow; transmits, to a second server, the predicted values, whereby when the second server determines that a likelihood of account needs satisfies a threshold, the second server establishes an electronic communication session with an electronic device of the user; trains the deep neural network when the second server establishes the electronic communication session.Type: ApplicationFiled: October 17, 2023Publication date: February 8, 2024Applicant: BANK OF MONTREALInventors: Seyed Masoud NOSRATI, Evgene VAHLIS, Seyed Hamed Yaghoubi SHAHIR, Bo ZHAO, Nicole LANGBALLE, Peter POON
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Patent number: 11868979Abstract: A platform and process for electronic payment processing using electronic communications from different communication channels or bands. The system and process can generate alerts using fraud detection and verify payment requests using historical data and pattern recognition. The system and process can categorize images and extract payment data.Type: GrantFiled: June 14, 2019Date of Patent: January 9, 2024Assignee: BANK OF MONTREALInventors: Brian Chan, Kashif Arshad, Peter Hing-Cheong Poon, Vikram Pal
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Patent number: 11853383Abstract: A computer may receive a request to generate a snapshot view of a virtual infrastructure. The virtual infrastructure may comprise a plurality of virtual server management applications, each managing a respective set of virtual machines. The computer may implement a multi-threaded process to contemporaneously query one or more databases and retrieve status and other information of the virtual machines from different virtual server management applications. The computer may aggregate the retrieved information to determine the summary counters and statistic information for the virtual machines. The computer may generate a snapshot view file based on the retrieved information. The snapshot view file may be in hypertext markup language (HTML) format. The computer may transmit a selectable link to the snapshot view file to multiple user devices. A user may select the link and the respective user device may display the snapshot view in an application such as a web browser.Type: GrantFiled: December 27, 2021Date of Patent: December 26, 2023Assignee: BANK OF MONTREALInventor: Rinat Rakhimov
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Patent number: 11848759Abstract: Disclosed herein are embodiments of systems, methods, and products comprises a server for monitoring and tracking user activities based on different events in a security log. The server may retrieve the security log and parse the security log to identify a set of predetermined events for a user based on the event IDs, including logon events, logoff events, and privileged events. Based on the time point when privileged events occur at least partially during the pattern of having more logon events than logoff events, the server may determine when the user starts to work. Based on the time point when the logoff events and logon event starts to show the pattern that there are more logoff events than logon events and the difference increasing into a threshold, the server may determine when the user stops working. The server may generate a heat map indicating different users' work time length.Type: GrantFiled: November 29, 2022Date of Patent: December 19, 2023Assignee: BANK OF MONTREALInventor: Razieh Niazi
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Publication number: 20230394220Abstract: Disclosed herein are methods and systems to retrieve and analyze data using customized machine-readable instructions. A method comprises identifying a set of computer-executable commands to satisfy an electronic request; identifying one or more dependencies within the set of computer-executable commands; generating a machine-readable instruction using at least a subset of the computer-executable commands in accordance with at least one dependency; and transmitting the machine-readable instruction to a second processor.Type: ApplicationFiled: June 1, 2023Publication date: December 7, 2023Applicant: Bank of MontrealInventors: Ching Leong WAN, Stuart Robertson
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Publication number: 20230367585Abstract: A computer may receive a request to generate a snapshot view of the enterprise network infrastructure. The computer may implement a multithread process to contemporaneously query a plurality of blade servers and server enclosures within the entire network infrastructure. The computer may contemporaneously receive a plurality of information files from the queried network resources (e.g. the blade servers, server enclosures). In active state modes, the computer may push firmware update binaries to the network resources. In a server processing and an active state mode, the computer may implement a multithreaded process to push the firmware update binaries to standalone servers or blade servers that can be accessed directly. In a blade enclosure processing and an active state mode, the computer may implemented a nested multi-threader, using child threads nested within a parent thread to a blade server enclosure to push firmware update binaries to blade servers in the enclosure.Type: ApplicationFiled: July 27, 2023Publication date: November 16, 2023Applicant: Bank of MontrealInventor: Rinat RAKHIMOV
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Publication number: 20230350927Abstract: Disclosed herein are embodiments of systems, methods, and products comprising a data power server for secure storage and retrieval of trade data. The server receives a request from a user to review or confirm one or more trade documents via a webserver. The server communicates with a connector grid server to retrieve the user's accessible documents. The connector grid server determines the electronic file IDs that are accessible to the user based on the accessibility policy. The server instructs a digital library server to download the electronic files containing the requested trade data. The digital library server retrieves and downloads the electronic files based on the file IDs. The webserver renders a GUI displaying the electronic files on an electronic client device operated by the user. Upon receiving the confirmation response from the user, the server instructs the digital library server to update the trade status.Type: ApplicationFiled: June 20, 2023Publication date: November 2, 2023Applicant: Bank of MontrealInventor: Jian Ding
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Publication number: 20230342610Abstract: Disclosed are methods and systems for using artificial intelligence (AI) for image recognition by using predefined coordinates to extract a portion of a received image, the extracted portion comprising a word to be identified having at least a first letter and a second letter; executing an image recognition protocol to identify the first letter; when the server is unable to identify the second letter, the server executes an AI model having a nodal data structure to identify the second letter based upon the identified first letter, the nodal data structure comprising a set of nodes where each node represents a letter, each node connected to at least one other node, wherein connection of a first node to a second node corresponds to a probability that a letter corresponding to the second node is used in a word subsequent to a letter corresponding to the first node.Type: ApplicationFiled: June 30, 2023Publication date: October 26, 2023Applicant: Bank of MontrealInventors: Bo WU, Ching Leong WAN, Yuefei ZHU, Bo WAN, Seyed Hamed Yaghoubi SHAHIR
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Publication number: 20230344718Abstract: A network capacity planning system for forecasting and scheduling of network capacity for electronic devices is provided. A server monitors usage of a network associated with the electronic devices. The server analyzes a frequency of a transmission of data packets between the electronic devices and the network, and a time duration of a network busy time based on predetermined thresholds. The server uses results of the analysis to drive a dynamic mechanism, which identifies when a bandwidth associated with the network needs to be upgraded to support the growing network bandwidth requirements. The server adjusts a network capacity value of a network routing device associated with the network to support the required bandwidth for an operation of the electronic devices.Type: ApplicationFiled: June 30, 2023Publication date: October 26, 2023Applicant: Bank of MontrealInventor: Feliks GAGULA
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Patent number: 11798059Abstract: Disclosed methods and system describe a server that uses AI modeling to predict negative cash flow at a user level. The server periodically retrieves data associated with the user, the data comprising monetary attributes associated with one or more accounts of the user; executes a deep neural network model trained based upon historical data associated with at least a subset of the users configured to predict a negative cash flow in one or more accounts of the user, a depth of the negative cash flow, and a duration of the negative cash flow; transmits, to a second server, the predicted values, whereby when the second server determines that a likelihood of account needs satisfies a threshold, the second server establishes an electronic communication session with an electronic device of the user; trains the deep neural network when the second server establishes the electronic communication session.Type: GrantFiled: April 8, 2021Date of Patent: October 24, 2023Assignee: BANK OF MONTREALInventors: Seyed Masoud Nosrati, Evgene Vahlis, Seyed Hamed Yaghoubi Shahir, Bo Zhao, Nicole Langballe, Peter Poon
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Patent number: 11769054Abstract: Disclosed are methods and systems for using artificial intelligence (AI) for image recognition by using predefined coordinates to extract a portion of a received image, the extracted portion comprising a word to be identified having at least a first letter and a second letter; executing an image recognition protocol to identify the first letter; when the server is unable to identify the second letter, the server executes an AI model having a nodal data structure to identify the second letter based upon the identified first letter, the nodal data structure comprising a set of nodes where each node represents a letter, each node connected to at least one other node, wherein connection of a first node to a second node corresponds to a probability that a letter corresponding to the second node is used in a word subsequent to a letter corresponding to the first node.Type: GrantFiled: January 14, 2022Date of Patent: September 26, 2023Assignee: BANK OF MONTREALInventors: Bo Wu, Ching Leong Wan, Yuefei Zhu, Bo Wan, Seyed Hamed Yaghoubi Shahir
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Patent number: 11714634Abstract: A computer may receive a request to generate a snapshot view of the enterprise network infrastructure. The computer may implement a multithread process to contemporaneously query a plurality of blade servers and server enclosures within the entire network infrastructure. The computer may contemporaneously receive a plurality of information files from the queried network resources (e.g. the blade servers, server enclosures). In active state modes, the computer may push firmware update binaries to the network resources. In a server processing and an active state mode, the computer may implement a multithreaded process to push the firmware update binaries to standalone servers or blade servers that can be accessed directly. In a blade enclosure processing and an active state mode, the computer may implemented a nested multi-threader, using child threads nested within a parent thread to a blade server enclosure to push firmware update binaries to blade servers in the enclosure.Type: GrantFiled: July 16, 2021Date of Patent: August 1, 2023Assignee: BANK OF MONTREALInventor: Rinat Rakhimov
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Patent number: 11704137Abstract: Disclosed herein are systems and methods for validating loading of complete electronic form on a user interface of an electronic device. When the electronic form is displayed on the user interface, a server obtains current pixel data from the electronic device. The server then compares the current pixel data with prior pixel data determined from a pixel map. The pixel map is associated with the electronic form and the electronic device. When the current pixel data does not match with the prior pixel data, the server concludes that the electronic form is not fully displayed on the user interface. The server then executes a protocol for display of complete electronic form on the user interface.Type: GrantFiled: February 13, 2020Date of Patent: July 18, 2023Assignee: BANK OF MONTREALInventors: Deian Ivanov, Andrey Malashenko