Patents Assigned to BANK OF MONTREAL
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Publication number: 20220309177Abstract: 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: ApplicationFiled: June 10, 2022Publication date: September 29, 2022Applicant: Bank of MontrealInventors: Iouri Mikhailov, Ching Leong WAN
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Publication number: 20220300540Abstract: 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 7, 2022Publication date: September 22, 2022Applicant: Bank of MontrealInventor: Jian Ding
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Patent number: 11429931Abstract: Disclosed herein are embodiments of systems, methods, and products comprises an analytic server for data rationalization and migration. The server receives data from a plurality of electronic data sources and stores the received data into a database within a central hub. The server demobilizes the data and performs enhancement on the data to prepare the data for complex calculation. The server copies the enhanced data to an operational data store, performs various calculation functions that filer, rationalize the data, and create data linkage. The server copies back the calculation result to the database for further processing and downstream consumption. The calculation results provide a consolidated view of data from different source systems and satisfy the reporting needs for different consumers. The server uses common data model to generate reports for different consumers. After the data migration and consolidation into a central hub, the server decommissions legacy components.Type: GrantFiled: August 26, 2020Date of Patent: August 30, 2022Assignee: BANK OF MONTREALInventor: Vinnie Wan Lei Mao
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Patent number: 11403387Abstract: Disclosed herein are efficient systems and methods for verification of user information in a timely manner. A background computer process for verification of the user information using a third-party authentication service is initiated. The third-party authentication service performs the verification of the information submitted by the user in response to some of the questions within the questionnaire at the same time as the user is replying to remaining questions within the electronic questionnaire. Accordingly, by the time the user is finished replying to all questions within the electronic questionnaire, the previously submitted information by the user is verified and a profile of the user is authenticated.Type: GrantFiled: January 3, 2020Date of Patent: August 2, 2022Assignee: BANK OF MONTREALInventor: Romulus Lucic
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Patent number: 11397744Abstract: Systems and methods for processing data are provided. The system may include at least a processor and a non-transient data memory storage, the data memory storage containing machine-readable instructions for execution by the processor, the machine-readable instructions configured to, when executed by the processor, provide an information delivery platform configured to: extract raw data from a plurality of source systems; load and store the raw data at a non-transient data store; receive a request to generate data for consumption for a specific purpose; in response to the request, select a set of data from the raw data based on a data map; transform the selected set of data into a curated set of data based on the data map; and transmit the curated set of data to a channel for consumption.Type: GrantFiled: July 19, 2019Date of Patent: July 26, 2022Assignee: BANK OF MONTREALInventors: Ching Leong Wan, Jun Wang
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Patent number: 11372992Abstract: 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: July 19, 2019Date of Patent: June 28, 2022Assignee: BANK OF MONTREALInventors: Iouri Mikhailov, Ching Leong Wan
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Publication number: 20220197968Abstract: 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: ApplicationFiled: December 27, 2021Publication date: June 23, 2022Applicant: Bank of MontrealInventor: Rinat RAKHIMOV
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Publication number: 20220198580Abstract: 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: ApplicationFiled: March 7, 2022Publication date: June 23, 2022Applicant: Bank of MontrealInventors: Duane Lee, Emily Cox
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Patent number: 11366841Abstract: 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: GrantFiled: February 14, 2020Date of Patent: June 21, 2022Assignee: Bank of MontrealInventor: Jian Ding
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Patent number: 11329884Abstract: 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: GrantFiled: June 15, 2020Date of Patent: May 10, 2022Assignee: BANK OF MONTREALInventor: Feliks Gagula
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Publication number: 20220139095Abstract: 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: January 14, 2022Publication date: May 5, 2022Applicant: Bank of MontrealInventors: Bo WU, Ching Leong WAN, Yuefei ZHU, Bo WAN, Seyed Hamed Yaghoubi SHAHIR
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Publication number: 20220108240Abstract: A system and method for predicting operational loss events in transactions using artificial intelligence modeling. The system and method include receiving, by one or more processors, a request for a risk score associated with an organization; applying, by the one or more processors, a scoring dataset to a risk predictive model that is trained with a training dataset causing the risk predictive model to generate one or more risk scores based on the scoring data, the one or more risk scores indicative of a probability for an operational loss event to occur responsive to a transaction by the organization; and sending, by the one or more processors, a message that includes the one or more risk scores to a client device.Type: ApplicationFiled: October 6, 2021Publication date: April 7, 2022Applicant: BANK OF MONTREALInventor: Michelle LIPOSKY
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Publication number: 20220108504Abstract: A system and method for flood hazard estimation inputs a satellite elevation map and applies a machine learning model to output a geographic map representing flood hazard areas. The machine learning model is trained using a generative adversarial network (GAN) to produce an output of a deterministic hazard mapping algorithm. A GAN objective applies a loss function, reweighted to increase the importance of high hazard areas. The method retrieves a DEM topography file representing elevation data of an identified terrain, and applies a sink-filling algorithm to detect and fill sinks in the DEM topography. The algorithm subtracts the DEM elevation data to generate a filled topography, and identifies flattest regions of the filled topography. The algorithm then generates a flood hazard map by merging the filled topography and the DEM elevation data, using a weighting function that balances the detected sinks and the flattest regions of the filled topography.Type: ApplicationFiled: October 4, 2021Publication date: April 7, 2022Applicant: BANK OF MONTREALInventors: Kian KENYON-DEAN, Bo ZHAO, Keyvan KASIRI, Yevgeniy VAHLIS, Todd FRASER, Lyndsay MORRISON, Michael TORRANCE, Stella WU
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Publication number: 20220108238Abstract: A system and method for predicting operational loss events in transactions using artificial intelligence modeling. The system and method include receiving, by one or more processors, a request for a risk score associated with an organization; applying, by the one or more processors, a scoring dataset to a risk predictive model that is trained with a training dataset causing the risk predictive model to generate one or more risk scores based on the scoring data, the one or more risk scores indicative of a probability for an operational loss event to occur responsive to a transaction by the organization; and sending, by the one or more processors, a message that includes the one or more risk scores to a client device.Type: ApplicationFiled: October 6, 2021Publication date: April 7, 2022Applicant: BANK OF MONTREALInventor: Michelle LIPOSKY
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Publication number: 20220108402Abstract: Presented herein are methods and systems for using artificial intelligence to calculate operational loss.Type: ApplicationFiled: October 6, 2021Publication date: April 7, 2022Applicant: BANK OF MONTREALInventor: Adam JALAL
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Publication number: 20220108239Abstract: A system and method for predicting operational loss events in transactions using artificial intelligence modeling. The system and method include receiving, by one or more processors, a request for a risk score associated with an organization; applying, by the one or more processors, a scoring dataset to a risk predictive model that is trained with a training dataset causing the risk predictive model to generate one or more risk scores based on the scoring data, the one or more risk scores indicative of a probability for an operational loss event to occur responsive to a transaction by the organization; and sending, by the one or more processors, a message that includes the one or more risk scores to a client device.Type: ApplicationFiled: October 6, 2021Publication date: April 7, 2022Applicant: BANK OF MONTREALInventor: Michelle LIPOSKY
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Publication number: 20220108241Abstract: A system and method for predicting operational loss events in transactions using artificial intelligence modeling. The system and method include receiving, by one or more processors, a request for a risk score associated with an organization; applying, by the one or more processors, a scoring dataset to a risk predictive model that is trained with a training dataset causing the risk predictive model to generate one or more risk scores based on the scoring data, the one or more risk scores indicative of a probability for an operational loss event to occur responsive to a transaction by the organization; and sending, by the one or more processors, a message that includes the one or more risk scores to a client device.Type: ApplicationFiled: October 6, 2021Publication date: April 7, 2022Applicant: BANK OF MONTREALInventor: Adam JALAL
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Patent number: 11270389Abstract: 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: June 14, 2019Date of Patent: March 8, 2022Assignee: BANK OF MONTREALInventors: Duane Elliott Lee, Emily Marguerite Cox
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Patent number: 11227176Abstract: 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: May 12, 2020Date of Patent: January 18, 2022Assignee: BANK OF MONTREALInventors: Bo Wu, Ching Leong Wan, Yuefei Zhu, Bo Wan, Seyed Hamed Yaghoubi Shahir
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Patent number: 11210361Abstract: 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: October 25, 2019Date of Patent: December 28, 2021Assignee: BANK OF MONTREALInventor: Rinat Rakhimov