Bank of Montreal

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G06N 20/00 - Machine learning 23
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1.

MACHINE LEARNING BASED DATABASE SEARCH AND KNOWLEDGE MINING

      
Application Number 19003858
Status Pending
Filing Date 2024-12-27
First Publication Date 2026-04-30
Owner BANK OF MONTREAL (Canada)
Inventor
  • Wan, Bo
  • Wan, Matthew
  • Wang, Jon

Abstract

Disclosed herein are embodiments of systems, methods, and products comprises a server for database search and knowledge mining. The server may learn different table's semantics, relationships, and usage by parsing historical query logs and analyzing tables' metadata (e.g., table descriptions). The analytic server may generate a graph database based on the table relationships obtained from the parsing. The graph database may be a relationship graph where tables are the nodes and edges represent the relationships among tables. When the server receives a query, the server extract semantics of the query, and return a set of tables that are semantically similar to the query. The set of tables may be a list of tables whose semantic similarities with the query satisfies a threshold. The analytic server may further generate a graph including the list of tables to show the relationships of these tables.

IPC Classes  ?

2.

RÉCOMPENSES BLEU

      
Application Number 246994300
Status Pending
Filing Date 2026-04-17
Owner Bank of Montreal (Canada)
NICE Classes  ? 35 - Advertising and business services

Goods & Services

(1) Operation of a loyalty program;

3.

BLUE REWARDS

      
Application Number 246994600
Status Pending
Filing Date 2026-04-17
Owner Bank of Montreal (Canada)
NICE Classes  ? 35 - Advertising and business services

Goods & Services

(1) Operation of a loyalty program;

4.

BLUE REWARDS

      
Application Number 246993900
Status Pending
Filing Date 2026-04-17
Owner Bank of Montreal (Canada)
NICE Classes  ? 35 - Advertising and business services

Goods & Services

(1) Operation of a loyalty program;

5.

RÉCOMPENSES BLEU

      
Application Number 246994900
Status Pending
Filing Date 2026-04-17
Owner Bank of Montreal (Canada)
NICE Classes  ? 35 - Advertising and business services

Goods & Services

(1) Operation of a loyalty program;

6.

SYSTEMS AND METHODS FOR CODE GENERATION AND CODE CONVERSION

      
Application Number 19347095
Status Pending
Filing Date 2025-10-01
First Publication Date 2026-04-02
Owner BANK OF MONTREAL (Canada)
Inventor
  • Desai, Yagni
  • George, Jimmy
  • Gomes, Carl
  • Thiru, Kasthuri
  • Subbiah, Sankar
  • Wang, Liang

Abstract

A computer-implemented method for code management comprises automatically receiving, by one or more processors from a first computing device, a first template comprising a plurality of matrices in a first format for use by a generation system to generate a second template in a second format for a second computing device; executing, by the one or more processors, a protocol on a first matrix of the plurality of matrices; parsing, by the one or more processors, a second matrix of the plurality of matrices to generate a value for the target field by using the transformation rules on the code of the source field; and generating, by the one or more processors via the generation system using the parsed first matrix and the parsed second matrix, the second template including the value for the target field in the second format used by the second computing device.

IPC Classes  ?

  • G06F 8/70 - Software maintenance or management

7.

SYSTEMS AND METHODS FOR PUSHING FIRMWARE BINARIES USING NESTED MULTI-THREADER OPERATIONS

      
Application Number 19391686
Status Pending
Filing Date 2025-11-17
First Publication Date 2026-03-12
Owner Bank of Montreal (Canada)
Inventor Rakhimov, Rinat

Abstract

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.

IPC Classes  ?

  • G06F 8/656 - Updates while running
  • G06F 9/48 - Program initiatingProgram switching, e.g. by interrupt
  • G06F 16/11 - File system administration, e.g. details of archiving or snapshots
  • G06F 16/953 - Querying, e.g. by the use of web search engines
  • H04L 9/40 - Network security protocols

8.

SYSTEMS AND METHODS FOR DIGITIZATION SERVICES

      
Document Number 03293339
Status Pending
Filing Date 2019-07-19
Open to Public Date 2026-03-02
Owner BANK OF MONTREAL (Canada)
Inventor
  • Przada, Zbigniew
  • Wang, Jun
  • Wan, Ching Leong

IPC Classes  ?

9.

SYSTEMS AND METHODS FOR PROCESSING INTER-DEPENDENT DATA FOR RISK MODELLING AND ANALYSIS

      
Application Number 19359319
Status Pending
Filing Date 2025-10-15
First Publication Date 2026-02-05
Owner Bank of Montreal (Canada)
Inventor
  • Cai, Yangming Chris
  • Rajaram, Sriram

Abstract

A system for processing data items may include one or more memories and one or more processors. The one or more memories may be configured in a first logical table including a plurality of logical rows and a plurality of logical columns. A value of a data item in a first logical column in each logical row may be determined based on a dependency of the first logical column on a second logical column in another logical row. The one or more processors may configure at least the first and second logical columns of the first logical table into a first logical array of data items, determine, by executing a first execution unit, values of the data items in the first logical array using the dependency, and convert, by executing the first execution unit, the first logical array with the determined values into a second logical table.

IPC Classes  ?

  • G06Q 40/03 - CreditLoansProcessing thereof
  • G06F 16/22 - IndexingData structures thereforStorage structures
  • G06F 16/28 - Databases characterised by their database models, e.g. relational or object models

10.

MACHINE LEARNING MODELING TO PREDICT CONTENT TO EXTRACT FROM A DOCUMENT

      
Document Number 03258878
Status Pending
Filing Date 2024-12-06
Open to Public Date 2026-01-19
Owner BANK OF MONTREAL (Canada)
Inventor
  • Mai, Yanming
  • Wan, Bo
  • Tang, Yongbo
  • Wang, Jon
  • Wan, Ching Leong
  • Whittington, Graeme

Abstract

A server may automatically determine a classification for document text of an electronic document and display a graphical indication of the classification of document text in a first graphical region of a first graphical user interface. In response to the server receiving an approval of the classification, the server may generate a label for the document text based on the classification and train a machine learning (ML) model using the label and the electronic document. Furthermore, the server may execute the trained ML model for a second electronic document. For at least one field of a form on a webpage, the server may automatically complete a widget embedded in the web page, using the trained ML model display a second graphical indication of text in the second electronic document providing data for the at least one field.

IPC Classes  ?

11.

SYSTEMS AND METHODS FOR DYNAMIC GENERATION OF DIGITAL DOCUMENTS

      
Application Number 19257026
Status Pending
Filing Date 2025-07-01
First Publication Date 2026-01-01
Owner Bank of Montreal (Canada)
Inventor
  • Wan, Ching Leong
  • Robertson, Stuart

Abstract

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.

IPC Classes  ?

12.

BMO MARKET+

      
Application Number 244355900
Status Pending
Filing Date 2025-12-12
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Exchange-traded funds; securities; mutual funds; investment services

13.

BMO MARCHÉ+

      
Application Number 244355700
Status Pending
Filing Date 2025-12-12
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Exchange-traded funds; securities; mutual funds; investment services

14.

EM

      
Application Number 243720700
Status Pending
Filing Date 2025-11-13
Owner Bank of Montreal (Canada)
NICE Classes  ?
  • 36 - Financial, insurance and real estate services
  • 41 - Education, entertainment, sporting and cultural services

Goods & Services

(1) Providing financial information and advice in the field of banking services and investments; investment advisory services; banking and financial analysis; financial planning and management services; financial investment counselling; providing information in the field of financial planning; providing information regarding financial investment strategies; (2) Providing educational information, ideas, and advice in the field of banking services and investments via digital channels

15.

BMO EM

      
Application Number 243720800
Status Pending
Filing Date 2025-11-13
Owner Bank of Montreal (Canada)
NICE Classes  ?
  • 36 - Financial, insurance and real estate services
  • 41 - Education, entertainment, sporting and cultural services

Goods & Services

(1) Providing financial information and advice in the field of banking services and investments; investment advisory services; banking and financial analysis; financial planning and management services; financial investment counselling; providing information in the field of financial planning; providing information regarding financial investment strategies; (2) Providing educational information, ideas, and advice in the field of banking services and investments via digital channels

16.

BMO BURGUNDY

      
Application Number 243454000
Status Pending
Filing Date 2025-10-31
Owner Bank of Montreal (Canada)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 16 - Paper, cardboard and goods made from these materials
  • 36 - Financial, insurance and real estate services
  • 41 - Education, entertainment, sporting and cultural services

Goods & Services

(1) Newsletters, namely downloadable electronic newsletters (2) Newsletters (1) Investment management services (2) Educational and training programs and events in the field of financial investment, namely seminars, guest speaker events, book club meetings and networking events

17.

BMO EM

      
Serial Number 99472987
Status Pending
Filing Date 2025-10-31
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

Banking services; Banking consultation; Internet banking services; Banking services provided via INTERACTIVE MEANS; Investment consultation; Investment management; Financial consultation; Providing information in the field of financial planning

18.

BMO BURGUNDY ASSET MANAGEMENT

      
Application Number 243454100
Status Pending
Filing Date 2025-10-31
Owner Bank of Montreal (Canada)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 16 - Paper, cardboard and goods made from these materials
  • 36 - Financial, insurance and real estate services
  • 41 - Education, entertainment, sporting and cultural services

Goods & Services

(1) Newsletters, namely downloadable electronic newsletters (2) Newsletters (1) Investment management services (2) Educational and training programs and events in the field of financial investment, namely seminars, guest speaker events, book club meetings and networking events

19.

EM

      
Serial Number 99472965
Status Pending
Filing Date 2025-10-31
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

Banking services; Banking consultation; Internet banking services; Banking services provided via interactive means; Investment consultation; Investment advice; Investment management; Financial consultation; Providing information in the field of financial planning

20.

BMO BURGUNDY ASSET MANAGEMENT

      
Serial Number 99472925
Status Pending
Filing Date 2025-10-31
Owner Bank of Montreal (Canada)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 16 - Paper, cardboard and goods made from these materials
  • 36 - Financial, insurance and real estate services
  • 41 - Education, entertainment, sporting and cultural services

Goods & Services

Downloadable electronic newsletters delivered by e-mail in the field of financial investment and investment management Printed newsletters in the field of financial investment and investment management Investment management Educational services, namely, conducting seminars, guest speaker events, book club meetings, and training programs in the fields of financial investment and distribution of training materials in connection therewith

21.

BMO BURGUNDY

      
Serial Number 99472901
Status Pending
Filing Date 2025-10-31
Owner Bank of Montreal (Canada)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 16 - Paper, cardboard and goods made from these materials
  • 36 - Financial, insurance and real estate services
  • 41 - Education, entertainment, sporting and cultural services

Goods & Services

Downloadable electronic newsletters delivered by e-mail in the field of financial investment and investment management Printed newsletters in the field of financial investment and investment management Investment management Educational services, namely, conducting seminars, guest speaker events, book club meetings, and training programs in the fields of financial investment and distribution of training materials in connection therewith

22.

ARTIFICIAL INTELLIGENCE MODELING TO PREDICT ELECTRONIC ACCOUNT DATA

      
Application Number 19206438
Status Pending
Filing Date 2025-05-13
First Publication Date 2025-10-30
Owner BANK OF MONTREAL (Canada)
Inventor
  • Nosrati, Seyed Masoud
  • Vahlis, Evgene
  • Shahir, Seyed Hamed Yaghoubi
  • Zhao, Bo
  • Langballe, Nicole
  • Poon, Peter

Abstract

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.

IPC Classes  ?

23.

METHOD AND SYSTEM FOR IMPROVING MACHINE LEARNING OPERATION BY REDUCING MACHINE LEARNING BIAS

      
Application Number 19246293
Status Pending
Filing Date 2025-06-23
First Publication Date 2025-10-09
Owner Bank of Montreal (Canada)
Inventor Zhang, Baiwu

Abstract

A network operation system and method accesses a training dataset for a network operation predictive model including historical network operation records and historical decision records, generates an inferred protected class dataset by executing a protected class demographic model, executes an algorithmic bias model using as input the historical decision records and the inferred protected class dataset to generate one or more fairness metrics, executes, based on the fairness metrics, a bias adjustment model using as input the historical decision records and the inferred protected class dataset to generate an adjusted training dataset, trains the network operation predictive model using as input the adjusted training dataset, receives an electronic request for a network operation, executes the network operation predictive model using as input at least one attribute of the electronic request for the network operation, and executes the network operation based on a prediction of the network operation predictive model.

IPC Classes  ?

24.

SYSTEMS AND METHODS FOR MONITORING USER ACTIVITIES

      
Application Number 19233786
Status Pending
Filing Date 2025-06-10
First Publication Date 2025-09-25
Owner Bank of Montreal (Canada)
Inventor Niazi, Razieh

Abstract

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.

IPC Classes  ?

  • H04L 9/40 - Network security protocols
  • G06F 16/182 - Distributed file systems
  • G06F 21/55 - Detecting local intrusion or implementing counter-measures

25.

BLUE REWARDS

      
Application Number 242576400
Status Pending
Filing Date 2025-09-19
Owner Bank of Montreal (Canada)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 35 - Advertising and business services
  • 42 - Scientific, technological and industrial services, research and design

Goods & Services

(1) Magnetic and encoded cards used in connection with a loyalty reward program; downloadable mobile application and software related to loyalty reward programs (1) Operation of a loyalty program (2) Issuing customer loyalty coupons, cards, codes and points and loyalty program processing services (3) Providing non-downloadable computer software related to loyalty programs

26.

RÉCOMPENSES BLEU

      
Application Number 242576800
Status Pending
Filing Date 2025-09-19
Owner Bank of Montreal (Canada)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 35 - Advertising and business services
  • 42 - Scientific, technological and industrial services, research and design

Goods & Services

(1) Magnetic and encoded cards used in connection with a loyalty reward program; downloadable mobile application and software related to loyalty reward programs (1) Operation of a loyalty program (2) Issuing customer loyalty coupons, cards, codes and points and loyalty program processing services (3) Providing non-downloadable computer software related to loyalty programs

27.

SYSTEMS AND METHODS FOR EXECUTING MODELS BASED ON METADATA

      
Application Number 19208206
Status Pending
Filing Date 2025-05-14
First Publication Date 2025-08-28
Owner BANK OF MONTREAL (Canada)
Inventor
  • Cai, Yangming Chris
  • Rajaram, Sriram

Abstract

A system may include one or more processors configured to receive a set of data containing relational database metadata, model data, and customer loan data, configure a first model and a second model based on the model data and the metadata, and partition, based on the relational database metadata, the customer loan data into first data and second data. The one or more processors may execute, by executing a first execution unit, execute the first model using the first data to output a first credit risk score, execute, by executing a second execution unit different from the first execution unit, the second model using the second data to output a second credit risk score, generate a third credit risk score based on the first credit risk score and the second credit risk score, and transmit a notification based on the third credit risk score.

IPC Classes  ?

28.

BRAVO AV

      
Application Number 241970700
Status Pending
Filing Date 2025-08-21
Owner BANK OF MONTREAL (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Clearing trades for commodities, futures and foreign exchange; conducting foreign exchange transactions for others; currency and foreign exchange services; electronic financial services, namely, monetary services for exchanging fiat currencies over a computer network; electronic financial services, namely, monetary services for receiving and disbursing payments and gifts in fiat currencies over a computer network; electronic foreign exchange payment processing; financial portfolio management; providing information relating to foreign exchange transactions

29.

PORTEFEUILLE FUTÉ PRO

      
Application Number 241917300
Status Pending
Filing Date 2025-08-20
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Banking, financial and investment services, portfolio management services

30.

DEEP-LEARNING-BASED SYSTEM AND PROCESS FOR IMAGE RECOGNITION

      
Application Number 19188974
Status Pending
Filing Date 2025-04-24
First Publication Date 2025-08-07
Owner Bank of Montreal (Canada)
Inventor
  • Wu, Bo
  • Wan, Ching Leong
  • Zhu, Yuefei
  • Wan, Bo
  • Shahir, Seyed Hamed Yaghoubi

Abstract

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.

IPC Classes  ?

  • G06N 3/082 - Learning methods modifying the architecture, e.g. adding, deleting or silencing nodes or connections
  • G06N 3/04 - Architecture, e.g. interconnection topology
  • G06V 10/82 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using neural networks
  • G06V 30/146 - Aligning or centering of the image pick-up or image-field
  • G06V 30/19 - Recognition using electronic means
  • G06V 30/226 - Character recognition characterised by the type of writing of cursive writing
  • G06V 30/412 - Layout analysis of documents structured with printed lines or input boxes, e.g. business forms or tables
  • G06V 30/413 - Classification of content, e.g. text, photographs or tables
  • G06V 40/30 - Writer recognitionReading and verifying signatures

31.

MA MAISON BMO

      
Application Number 241573800
Status Pending
Filing Date 2025-08-05
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Mortgage advisory services; mortgage banking; mortgage financing services; mortgage information services; mortgage lending services; mortgage planning; mortgage refinancing services; online banking services; providing advice relating to the arranging of mortgages

32.

SYSTEMS AND METHODS FOR ALERT SERVICES

      
Application Number 19185008
Status Pending
Filing Date 2025-04-21
First Publication Date 2025-07-31
Owner Bank of Montreal (Canada)
Inventor
  • Liu, Yishi
  • Wan, Ching Leong

Abstract

Embodiments relate to systems, processes and devices for an information delivery platform or data hub with an alert processor that can be configured to receive a request to generate an alert configuration at the data hub, the request indicating a target unit; generate and store an alert rule corresponding to the alert configuration, the alert rule having a trigger and an action; detect an event at the data hub based on a set of data of the data stored at the data hub, the event having event data; convert the event data to an alert trigger at the data hub based on the trigger of the alert rule; generate an alert notification for the alert trigger based on the action of the alert rule; and transmit the alert notification to the target unit.

IPC Classes  ?

  • H04L 12/18 - Arrangements for providing special services to substations for broadcast or conference
  • G06F 16/735 - Filtering based on additional data, e.g. user or group profiles
  • G06F 16/783 - Retrieval characterised by using metadata, e.g. metadata not derived from the content or metadata generated manually using metadata automatically derived from the content
  • G06F 16/9535 - Search customisation based on user profiles and personalisation
  • H04W 68/00 - User notification, e.g. alerting or paging, for incoming communication, change of service or the like

33.

Method and system for improving machine learning operation by reducing machine learning bias

      
Application Number 18807491
Grant Number 12340292
Status In Force
Filing Date 2024-08-16
First Publication Date 2025-06-24
Grant Date 2025-06-24
Owner Bank of Montreal (Canada)
Inventor Zhang, Baiwu

Abstract

A network operation system and method accesses a training dataset for a network operation predictive model including historical network operation records and historical decision records, generates an inferred protected class dataset by executing a protected class demographic model, executes an algorithmic bias model using as input the historical decision records and the inferred protected class dataset to generate one or more fairness metrics, executes, based on the fairness metrics, a bias adjustment model using as input the historical decision records and the inferred protected class dataset to generate an adjusted training dataset, trains the network operation predictive model using as input the adjusted training dataset, receives an electronic request for a network operation, executes the network operation predictive model using as input at least one attribute of the electronic request for the network operation, and executes the network operation based on a prediction of the network operation predictive model.

IPC Classes  ?

34.

MACHINE LEARNING MODELING TO PREDICT CONTENT TO EXTRACT FROM A DOCUMENT

      
Application Number 18970843
Status Pending
Filing Date 2024-12-05
First Publication Date 2025-06-12
Owner Bank of Montreal (Canada)
Inventor
  • Mai, Yanming
  • Wan, Bo
  • Tang, Yongbo
  • Wu, Bo
  • Wang, Jon
  • Wan, Ching Leong
  • Whittington, Graeme

Abstract

A server may automatically determine a classification for document text of an electronic document and display a graphical indication of the classification of document text in a first graphical region of a first graphical user interface. In response to the server receiving an approval of the classification, the server may generate a label for the document text based on the classification and train a machine learning (ML) model using the label and the electronic document. Furthermore, the server may execute the trained ML model for a second electronic document. For at least one field of a form on a webpage, the server may automatically complete a widget embedded in the web page, using the trained ML model display a second graphical indication of text in the second electronic document providing data for the at least one field.

IPC Classes  ?

  • G06F 40/174 - Form fillingMerging
  • G06V 10/774 - Generating sets of training patternsBootstrap methods, e.g. bagging or boosting
  • G06V 30/413 - Classification of content, e.g. text, photographs or tables

35.

SYSTEMS AND METHODS FOR GENERATING FLOOD HAZARD ESTIMATION USING MACHINE LEARNING MODEL AND ELEVATION DATA

      
Application Number 19061626
Status Pending
Filing Date 2025-02-24
First Publication Date 2025-06-12
Owner BANK OF MONTREAL (Canada)
Inventor
  • Kenyon-Dean, Kian
  • Zhao, Bo
  • Kasiri, Keyvan
  • Vahlis, Yevgeniy
  • Fraser, Todd
  • Morrison, Lyndsay
  • Torrance, Michael
  • Wu, Stella

Abstract

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 to produce an output of a deterministic hazard mapping algorithm. 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.

IPC Classes  ?

  • G06T 11/40 - Filling a planar surface by adding surface attributes, e.g. colour or texture
  • G06N 3/045 - Combinations of networks
  • G06N 3/088 - Non-supervised learning, e.g. competitive learning
  • G06T 7/40 - Analysis of texture
  • G06V 10/94 - Hardware or software architectures specially adapted for image or video understanding
  • G06V 30/422 - Technical drawingsGeographical maps

36.

SYSTEMS AND METHODS FOR CARBON-RELATED DATA MANAGEMENT

      
Document Number 03252378
Status Pending
Filing Date 2024-08-16
Open to Public Date 2025-06-04
Owner BANK OF MONTREAL (Canada)
Inventor
  • Thumlert, Brent
  • Hilliker, Ryan

Abstract

Disclosed herein are methods to create data objects for efficient database management. In response to receiving an audit request from an electronic device associated with a project, one or more processors query a set of data records using a project attribute. At least one data record includes a data object organized according to a carbon-related protocol. The processors generate a tree structure for the queried data records, reflecting the hierarchical organization of the project and the horizontal and vertical relationships of devices and locations associated with various carbon protocols. This tree structure is then exported to the electronic device, providing access to the queried data records.

IPC Classes  ?

37.

BMO M DESTINATION DIGITAL

      
Application Number 238643300
Status Pending
Filing Date 2025-03-18
Owner Bank of Montreal (Canada)
NICE Classes  ? 41 - Education, entertainment, sporting and cultural services

Goods & Services

(1) Arranging and conducting of in-person educational forums in the field of financial services, innovation, developing business solutions and problem solving; Providing employment training in the field of financial services, innovation, developing business solutions and problem solving solutions, technology development; Simulation-based training services in the field of financial services, innovation, developing business solutions and problem solving; Organizing competitions in the field of innovation, technological solutions and problem solving; Educational services in the fields of financial services, innovation, technological solutions, problem solving and developing business solutions

38.

BMO BM DESTINATION NUMÉRIQUE

      
Application Number 238643400
Status Pending
Filing Date 2025-03-18
Owner Bank of Montreal (Canada)
NICE Classes  ? 41 - Education, entertainment, sporting and cultural services

Goods & Services

(1) Arranging and conducting of in-person educational forums in the field of financial services, innovation, developing business solutions and problem solving; Providing employment training in the field of financial services, innovation, developing business solutions and problem solving solutions, technology development; Simulation-based training services in the field of financial services, innovation, developing business solutions and problem solving; Organizing competitions in the field of innovation, technological solutions and problem solving; Educational services in the fields of financial services, innovation, technological solutions, problem solving and developing business solutions

39.

SYSTEMS AND METHODS FOR MONITORING USER ACTIVITIES

      
Document Number 03252082
Status Pending
Filing Date 2020-08-12
Open to Public Date 2025-03-10
Owner BANK OF MONTREAL (Canada)
Inventor Niazi, Razieh

Abstract

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.

IPC Classes  ?

  • G06Q 10/0639 - Performance analysis of employeesPerformance analysis of enterprise or organisation operations
  • H04L 43/045 - Processing captured monitoring data, e.g. for logfile generation for graphical visualisation of monitoring data

40.

SYSTEMS AND METHODS FOR AUTOMATED DIGITAL ENROLLMENT

      
Application Number 18951360
Status Pending
Filing Date 2024-11-18
First Publication Date 2025-03-06
Owner Bank of Montreal (Canada)
Inventor
  • Aun, Muhammad
  • Maheswaramoothy, Subashan
  • Lucic, Romulus
  • Hewitt, Devin

Abstract

Disclosed herein are embodiments of systems, methods, and products comprising an analytic server for automated digital account/application enrollment. The analytic server may open a new account for a user during a registration process. The analytic server may facilitate automated digital enrollment to allow the user to manage the new account in a mobile application on the user's mobile device. The analytic server may send a text message comprising a direct link to the user's mobile device. The link may direct the user to the app store, where the user can download and install the mobile application automatically. The analytic server may also display a button that allows the user to activate a QR code and scan the QR code using the camera of the user's mobile device. Upon the mobile device scanning the QR code, the analytic server may automatically launch the mobile application and sign the user in.

IPC Classes  ?

  • G06F 8/61 - Installation
  • G06F 9/54 - Interprogram communication
  • H04L 67/02 - Protocols based on web technology, e.g. hypertext transfer protocol [HTTP]
  • H04L 67/146 - Markers for unambiguous identification of a particular session, e.g. session cookie or URL-encoding
  • H04L 67/148 - Migration or transfer of sessions

41.

SYSTEMS AND METHODS FOR CARBON-RELATED DATA MANAGEMENT

      
Application Number 18807774
Status Pending
Filing Date 2024-08-16
First Publication Date 2025-02-20
Owner BANK OF MONTREAL (Canada)
Inventor
  • Thumlert, Brent
  • Hilliker, Ryan

Abstract

Disclosed herein are methods to create data objects for efficient database management. In response to receiving an audit request from an electronic device associated with a project, one or more processors query a set of data records using a project attribute. At least one data record includes a data object organized according to a carbon-related protocol. The processors generate a tree structure for the queried data records, reflecting the hierarchical organization of the project and the horizontal and vertical relationships of devices and locations associated with various carbon protocols. This tree structure is then exported to the electronic device, providing access to the queried data records.

IPC Classes  ?

42.

SYSTEMS AND METHODS FOR CARBON-RELATED DATA MANAGEMENT

      
Application Number 18807761
Status Pending
Filing Date 2024-08-16
First Publication Date 2025-02-20
Owner BANK OF MONTREAL (Canada)
Inventor
  • Thumlert, Brent
  • Hilliker, Ryan

Abstract

Disclosed herein are methods to create data objects for efficient database management. During a first electronic session, a device, using one or more processors, collects carbon-related data including attributes of protocols performed by an entity. This data is used to create an immutable data object organized according to a hierarchical tree structure, representing relationships between devices and locations involved in the protocols. The immutable data object is then stored as a record in a dynamic field of a relational database. In a subsequent electronic session, upon receiving a request related to the entity, the device queries this record. The query accesses the data via the hierarchical structure to retrieve protocol attributes. Finally, based on this retrieved data, the device generates one or more carbon credits.

IPC Classes  ?

43.

ROVR

      
Application Number 238087800
Status Pending
Filing Date 2025-02-19
Owner Bank Of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Advisory services relating to insurance and reinsurance; consultancy in the field of insurance benefits, group benefits, employee benefits, pension benefits, retirement benefits and financial benefits; insurance consultancy; insurance risk management; insurance underwriting services; providing financial administration information, consultancy and advisory services in the fields of insurance and reinsurance; providing financial evaluation information, consultancy and advisory services for insurance and reinsurance purposes; providing financial information management consultancy and advisory services in the field of insurance and reinsurance; providing information about life insurance; providing insurance services and information in the field of insurance products and services via the Internet, websites and a web-based portal

44.

ROVR AI

      
Application Number 238087700
Status Pending
Filing Date 2025-02-19
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Advisory services relating to insurance and reinsurance; consultancy in the field of insurance benefits, group benefits, employee benefits, pension benefits, retirement benefits and financial benefits; insurance consultancy; insurance risk management; insurance underwriting services; providing financial administration information, consultancy and advisory services in the fields of insurance and reinsurance; providing financial evaluation information, consultancy and advisory services for insurance and reinsurance purposes; providing financial information management consultancy and advisory services in the field of insurance and reinsurance; providing information about life insurance; providing insurance services and information in the field of insurance products and services via the Internet, websites and a web-based portal

45.

SYSTEMS AND METHODS FOR DATA STORAGE AND PROCESSING

      
Application Number 18923496
Status Pending
Filing Date 2024-10-22
First Publication Date 2025-02-06
Owner Bank of Montreal (Canada)
Inventor
  • Wan, Ching Leong
  • Wang, Jun

Abstract

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.

IPC Classes  ?

  • G06F 16/25 - Integrating or interfacing systems involving database management systems
  • G06N 20/00 - Machine learning

46.

MY FINANCIAL PROGRESS

      
Application Number 236989200
Status Pending
Filing Date 2024-12-19
Owner Bank of Montreal (Canada)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 36 - Financial, insurance and real estate services
  • 42 - Scientific, technological and industrial services, research and design

Goods & Services

(1) Mobile application software for use in accessing and managing financial services in the field of financial planning (1) Financial advisory services relating to financial goal planning; financial investment counselling and financial planning; financial planning and financial management services; financial planning services; providing financial planning services on-line from a computer database and the internet; providing information in the field of financial planning; providing information in the field of financial planning and financial investments via a website; providing information in the field of investment management, financial management, and financial planning delivered via a global computer network (2) Software as a service (SaaS) featuring software for financial management and financial planning

47.

SYSTEM AND PROCESS FOR ELECTRONIC CALENDAR PAYMENTS

      
Application Number 18819888
Status Pending
Filing Date 2024-08-29
First Publication Date 2024-12-19
Owner Bank of Montreal (Canada)
Inventor
  • Chan, Brian
  • Arshad, Kashif
  • Poon, Peter Hing-Cheong

Abstract

A platform and process for electronic payment processing using electronic calendars and communications from a set of connected servers with logic code to automate machine operations relating to electronic payments. The system and process can generate alerts using fraud detection and verify payment requests using historical data and pattern recognition. The electronic calendar can be integrated into an electronic wallet application.

IPC Classes  ?

  • G06Q 30/04 - Billing or invoicing
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/38 - Payment protocolsDetails thereof

48.

BMO M DESTINATION DIGITAL

      
Serial Number 98901393
Status Pending
Filing Date 2024-12-13
Owner Bank of Montreal (Canada)
NICE Classes  ? 41 - Education, entertainment, sporting and cultural services

Goods & Services

Arranging and conducting of in-person educational forums in the field of financial services featuring activities involving collaboration, team building and developing innovative technological and business solutions to problems related to financial services; Providing employment training in the field of financial services featuring activities involving collaboration, team building and developing innovative technological and business solutions to problems related to financial services; Education services, namely, providing seminars and workshops in the field of financial services featuring activities involving collaboration, team building and developing innovative technological and business solutions to problems related to financial services.

49.

SYSTEMS AND METHODS FOR RISK FACTOR PREDICTIVE MODELING WITH DOCUMENT SUMMARIZATION

      
Application Number 18809152
Status Pending
Filing Date 2024-08-19
First Publication Date 2024-12-12
Owner BANK OF MONTREAL (Canada)
Inventor
  • Galow, Drew R.
  • Das, Meera

Abstract

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. The GUI dashboard includes first, second, third and fourth dashboard regions for displaying alert report records, media records, and graphical user interface layouts of document summaries and risk factor visualizations.

IPC Classes  ?

50.

SYSTEMS AND METHODS FOR DIGITIZATION SERVICES

      
Application Number 18674158
Status Pending
Filing Date 2024-05-24
First Publication Date 2024-11-21
Owner Bank of Montreal (Canada)
Inventor
  • Przada, Zbigniew
  • Wang, Jun
  • Wan, Ching

Abstract

Embodiments relate to systems and processes for digital document services, having 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 a document service. The document service can extract data from a plurality of source systems; load and store the data at a data hub implemented by a non-transient data store; receive a request to generate a document package at the data hub, the request indicating a target unit; generate and store the document package using a subset of data from the data at the data hub, the document package having at least one electronic signature request; detect a signature event at the data hub; and transmit the document package to the target unit.

IPC Classes  ?

  • G06Q 10/10 - Office automationTime management
  • G06V 30/32 - Digital ink
  • H04N 1/00 - Scanning, transmission or reproduction of documents or the like, e.g. facsimile transmissionDetails thereof

51.

BMO MyHome

      
Application Number 236307700
Status Registered
Filing Date 2024-11-20
Registration Date 2026-03-11
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Mortgage advisory services; mortgage banking; mortgage financing services; mortgage information services; mortgage lending services; mortgage planning; mortgage refinancing services; online banking services; providing advice relating to the arranging of mortgages

52.

BURGUNDY LEGACY FOUNDATION

      
Application Number 235104900
Status Pending
Filing Date 2024-09-20
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Charitable foundation services, namely for providing financial assistance for programs and services for others; charitable fundraising services; eleemosynary services in the field of monetary donations; financial sponsorship of charitable and philanthropic activities; providing financial assistance to charitable and non-profit organizations; providing financial consultancy services relating to charitable activities; providing financial information in the field of philanthropy; providing grants and financial awards for charitable and philanthropic purposes and activities; providing grants and financial awards in the field of promoting the development of sustainable cities for charitable purposes; providing grants and financial awards in the field of promoting financial literacy and empowerment for charitable purposes; services of operating a foundation for the purpose of raising and disseminating funds for charitable and philanthropic purposes and activities.

53.

BURGUNDY LEGACY FOUNDATION

      
Application Number 235105200
Status Pending
Filing Date 2024-09-20
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Charitable foundation services, namely for providing financial assistance for programs and services for others; charitable fundraising services; eleemosynary services in the field of monetary donations; financial sponsorship of charitable and philanthropic activities; providing financial assistance to charitable and non-profit organizations; providing financial consultancy services relating to charitable activities; providing financial information in the field of philanthropy; providing grants and financial awards for charitable and philanthropic purposes and activities; providing grants and financial awards in the field of promoting the development of sustainable cities for charitable purposes; providing grants and financial awards in the field of promoting financial literacy and empowerment for charitable purposes; services of operating a foundation for the purpose of raising and disseminating funds for charitable and philanthropic purposes and activities.

54.

FONDATION PATRIMOINE BURGUNDY

      
Application Number 235105000
Status Pending
Filing Date 2024-09-20
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Charitable foundation services, namely for providing financial assistance for programs and services for others; charitable fundraising services; eleemosynary services in the field of monetary donations; financial sponsorship of charitable and philanthropic activities; providing financial assistance to charitable and non-profit organizations; providing financial consultancy services relating to charitable activities; providing financial information in the field of philanthropy; providing grants and financial awards for charitable and philanthropic purposes and activities; providing grants and financial awards in the field of promoting the development of sustainable cities for charitable purposes; providing grants and financial awards in the field of promoting financial literacy and empowerment for charitable purposes; services of operating a foundation for the purpose of raising and disseminating funds for charitable and philanthropic purposes and activities.

55.

FONDATION PATRIMOINE BURGUNDY

      
Application Number 235105100
Status Pending
Filing Date 2024-09-20
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Charitable foundation services, namely for providing financial assistance for programs and services for others; charitable fundraising services; eleemosynary services in the field of monetary donations; financial sponsorship of charitable and philanthropic activities; providing financial assistance to charitable and non-profit organizations; providing financial consultancy services relating to charitable activities; providing financial information in the field of philanthropy; providing grants and financial awards for charitable and philanthropic purposes and activities; providing grants and financial awards in the field of promoting the development of sustainable cities for charitable purposes; providing grants and financial awards in the field of promoting financial literacy and empowerment for charitable purposes; services of operating a foundation for the purpose of raising and disseminating funds for charitable and philanthropic purposes and activities.

56.

SYSTEM, METHODS, AND DEVICES FOR DATA STORAGE AND PROCESSING WITH IDENTITY MANAGEMENT

      
Application Number 18657734
Status Pending
Filing Date 2024-05-07
First Publication Date 2024-08-29
Owner Bank of Montreal (Canada)
Inventor
  • Mikhailov, Iouri
  • Wan, Ching Leong

Abstract

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.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 16/25 - Integrating or interfacing systems involving database management systems
  • G06N 20/00 - Machine learning

57.

SYSTEMS AND METHODS FOR GENERATING A SNAPSHOT VIEW OF NETWORK INFRASTRUCTURE

      
Application Number 18640612
Status Pending
Filing Date 2024-04-19
First Publication Date 2024-08-08
Owner Bank of Montreal (Canada)
Inventor Rakhimov, Rinat

Abstract

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.

IPC Classes  ?

  • G06F 11/34 - Recording or statistical evaluation of computer activity, e.g. of down time, of input/output operation
  • H04L 9/40 - Network security protocols
  • H04L 67/12 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks

58.

NEW ISSUE MANAGEMENT SYSTEM

      
Application Number 18602485
Status Pending
Filing Date 2024-03-12
First Publication Date 2024-08-01
Owner Bank of Montreal (Canada)
Inventor
  • Lee, Duane Elliott
  • Cox, Emily Marguerite

Abstract

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.

IPC Classes  ?

59.

SYSTEMS AND METHODS FOR VALIDATING LOADING OF CONTENT ON USER INTERFACE

      
Application Number 18218993
Status Pending
Filing Date 2023-07-06
First Publication Date 2024-07-11
Owner Bank of Montreal (Canada)
Inventor
  • Ivanov, Deian
  • Malashenko, Andrey

Abstract

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.

IPC Classes  ?

  • G06F 9/451 - Execution arrangements for user interfaces
  • G06F 3/14 - Digital output to display device
  • G06F 11/30 - Monitoring
  • G06F 16/957 - Browsing optimisation, e.g. caching or content distillation
  • G06F 16/958 - Organisation or management of web site content, e.g. publishing, maintaining pages or automatic linking

60.

BMO MAXIFLEX

      
Application Number 232952100
Status Registered
Filing Date 2024-05-28
Registration Date 2025-11-28
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Credit card services

61.

Systems and methods for monitoring user activities

      
Application Number 18545950
Grant Number 12328328
Status In Force
Filing Date 2023-12-19
First Publication Date 2024-05-16
Grant Date 2025-06-10
Owner Bank of Montreal (Canada)
Inventor Niazi, Razieh

Abstract

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.

IPC Classes  ?

  • H04L 9/40 - Network security protocols
  • G06F 16/182 - Distributed file systems
  • G06F 21/55 - Detecting local intrusion or implementing counter-measures

62.

SYSTEM AND PROCESS FOR ELECTRONIC PAYMENTS

      
Application Number 18403546
Status Pending
Filing Date 2024-01-03
First Publication Date 2024-04-25
Owner Bank of Montreal (Canada)
Inventor
  • Chan, Brian
  • Arshad, Kashif
  • Poon, Peter Hing-Cheong
  • Pal, Vikram

Abstract

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.

IPC Classes  ?

  • G06Q 20/14 - Payment architectures specially adapted for billing systems
  • G06Q 20/38 - Payment protocolsDetails thereof
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment

63.

BMO V-PAYO

      
Application Number 232257300
Status Registered
Filing Date 2024-04-19
Registration Date 2025-10-24
Owner BANK OF MONTREAL (Canada)
NICE Classes  ?
  • 35 - Advertising and business services
  • 36 - Financial, insurance and real estate services

Goods & Services

(1) Administration, billing and reconciliation of accounts on behalf of others (2) Electronic bill payment; electronic financial services, namely, monetary services for receiving and disbursing payments and gifts in fiat currencies over a computer network; electronic payment, namely, electronic processing and transmission of bill payment data; electronic transmission of bill payment data via a global computer network; financial management of reimbursement payments for others; financial services in the nature of payment processing services; mobile bill payments services; online bill and fee payment services; payment verification services; processing and transmission of bills and payments thereof; providing bill payment and tracking services; providing electronic processing of electronic funds transfer, automated clearing house (ach), credit card, debit card, electronic check and electronic payments; providing financial information in the field of payment validation services for dynamic peer-to-peer payments channels; reconciling of financial transactions; reimbursement payment processing

64.

BMO ESCAPE

      
Serial Number 98499871
Status Pending
Filing Date 2024-04-15
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

Credit card authorization services; Credit card payment processing services; Credit card transaction processing services; Issuing credit cards; Issuing prepaid credit cards; Providing electronic processing of credit card transactions and electronic payments via a global computer network

65.

PARTAGE-PARTS

      
Application Number 231721300
Status Registered
Filing Date 2024-03-21
Registration Date 2025-09-29
Owner BANK OF MONTREAL (Canada)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 36 - Financial, insurance and real estate services
  • 42 - Scientific, technological and industrial services, research and design

Goods & Services

(1) Computer programs for use in electronic commerce for processing electronic payments and authenticating the identity of payers; computer software to allow users to perform electronic payment transactions (1) Cash management, namely, facilitating transfers of electronic cash equivalents; electronic financial services, namely, monetary services for receiving and disbursing payments and gifts in fiat currencies over a computer network; electronic funds transfer services; financial services in the nature of payment processing services; mobile payment services; money transfer services; processing of electronic payments made through online money transfers; providing electronic processing of credit and debit card transactions and electronic payments via mobile phone; providing electronic processing of electronic funds transfer, automated clearing house (ach), credit card, debit card, electronic check and electronic payments (2) Providing temporary use of on-line non-downloadable software for processing electronic payments; software as a Service (SAAS) services featuring software for payment processing

66.

SPLITSHARE

      
Application Number 231721200
Status Registered
Filing Date 2024-03-21
Registration Date 2025-09-29
Owner BANK OF MONTREAL (Canada)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 36 - Financial, insurance and real estate services
  • 42 - Scientific, technological and industrial services, research and design

Goods & Services

(1) Computer programs for use in electronic commerce for processing electronic payments and authenticating the identity of payers; computer software to allow users to perform electronic payment transactions (1) Cash management, namely, facilitating transfers of electronic cash equivalents; electronic financial services, namely, monetary services for receiving and disbursing payments and gifts in fiat currencies over a computer network; electronic funds transfer services; financial services in the nature of payment processing services; mobile payment services; money transfer services; processing of electronic payments made through online money transfers; providing electronic processing of credit and debit card transactions and electronic payments via mobile phone; providing electronic processing of electronic funds transfer, automated clearing house (ach), credit card, debit card, electronic check and electronic payments (2) Providing temporary use of on-line non-downloadable software for processing electronic payments; software as a Service (SAAS) services featuring software for payment processing

67.

Systems and methods for risk factor predictive modeling with document summarization

      
Application Number 17943900
Grant Number 12493646
Status In Force
Filing Date 2022-09-13
First Publication Date 2024-03-14
Grant Date 2025-12-09
Owner BANK OF MONTREAL (Canada)
Inventor
  • Galow, Drew R.
  • Das, Meera

Abstract

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. The GUI dashboard includes first, second, third and fourth dashboard regions for displaying alert report records, media records, and graphical user interface layouts of document summaries and risk factor visualizations.

IPC Classes  ?

68.

Systems and methods for risk factor predictive modeling with document summarization

      
Application Number 17943909
Grant Number 12159252
Status In Force
Filing Date 2022-09-13
First Publication Date 2024-03-14
Grant Date 2024-12-03
Owner BANK OF MONTREAL (Canada)
Inventor
  • Galow, Drew R.
  • Das, Meera

Abstract

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. The GUI dashboard includes first, second, third and fourth dashboard regions for displaying alert report records, media records, and graphical user interface layouts of document summaries and risk factor visualizations.

IPC Classes  ?

69.

SYSTEMS AND METHODS FOR RISK FACTOR PREDICTIVE MODELING WITH DOCUMENT SUMMARIZATION

      
Document Number 03211979
Status Pending
Filing Date 2023-09-11
Open to Public Date 2024-03-13
Owner BANK OF MONTREAL (Canada)
Inventor
  • Galow, Drew R.
  • Das, Meera

Abstract

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. The GUI dashboard includes first, second, third and fourth dashboard regions for displaying alert report records, media records, and graphical user interface layouts of document summaries and risk factor visualizations.

IPC Classes  ?

70.

SYSTEMS AND METHODS FOR RISK FACTOR PREDICTIVE MODELING WITH DOCUMENT SUMMARIZATION

      
Document Number 03211988
Status Pending
Filing Date 2023-09-11
Open to Public Date 2024-03-13
Owner BANK OF MONTREAL (Canada)
Inventor
  • Galow, Drew R.
  • Das, Meera

Abstract

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. The GUI dashboard includes first, second, third and fourth dashboard regions for displaying alert report records, media records, and graphical user interface layouts of document summaries and risk factor visualizations.

IPC Classes  ?

71.

BMO V-PAYO

      
Serial Number 98442939
Status Registered
Filing Date 2024-03-11
Registration Date 2025-01-07
Owner Bank of Montreal (Canada)
NICE Classes  ? 42 - Scientific, technological and industrial services, research and design

Goods & Services

Platform as a service (PAAS) featuring computer software platforms for MANAGING AND PROCESSING ACCOUNT PAYABLES, PAYMENT APPROVALS, PAYMENT DECISIONS AND REPORTING

72.

Artificial intelligence modeling to predict electronic account data

      
Application Number 18488938
Grant Number 12299727
Status In Force
Filing Date 2023-10-17
First Publication Date 2024-02-08
Grant Date 2025-05-13
Owner BANK OF MONTREAL (Canada)
Inventor
  • Nosrati, Seyed Masoud
  • Vahlis, Evgene
  • Shahir, Seyed Hamed Yaghoubi
  • Zhao, Bo
  • Langballe, Nicole
  • Poon, Peter

Abstract

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.

IPC Classes  ?

73.

BRAVO

      
Application Number 230970700
Status Registered
Filing Date 2024-02-08
Registration Date 2025-12-19
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Clearing trades for commodities, futures and foreign exchange; conducting foreign exchange transactions for others; currency and foreign exchange services; electronic financial services, namely, monetary services for exchanging fiat currencies over a computer network; electronic financial services, namely, monetary services for receiving and disbursing payments and gifts in fiat currencies over a computer network; electronic foreign exchange payment processing; financial portfolio management; providing information relating to foreign exchange transactions

74.

PAYSMART

      
Serial Number 98355288
Status Registered
Filing Date 2024-01-12
Registration Date 2026-03-10
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

Issuing of credit cards with an installment payment feature

75.

Systems and methods for dynamic generation of digital documents

      
Application Number 18327537
Grant Number 12373630
Status In Force
Filing Date 2023-06-01
First Publication Date 2023-12-07
Grant Date 2025-07-29
Owner Bank of Montreal (Canada)
Inventor
  • Wan, Ching Leong
  • Robertson, Stuart

Abstract

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.

IPC Classes  ?

76.

SYSTEMS AND METHODS FOR DYNAMIC GENERATION OF DIGITAL DOCUMENTS

      
Document Number 03201441
Status Pending
Filing Date 2023-06-01
Open to Public Date 2023-12-02
Owner BANK OF MONTREAL (Canada)
Inventor
  • Wan, Ching Leong
  • Robertson, Stuart

Abstract


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.

IPC Classes  ?

77.

Les marchés privés. Simplifiés.

      
Application Number 229345800
Status Registered
Filing Date 2023-11-16
Registration Date 2025-06-06
Owner Bank of Montreal (Canada)
NICE Classes  ?
  • 35 - Advertising and business services
  • 36 - Financial, insurance and real estate services

Goods & Services

(1) Income tax consulting services (2) Alternative asset funds management; asset and portfolio management services; brokerage, distribution and investment services relating to investment funds and mutual funds; consultancy concerning financing of energy projects; consultancy in the field of private equity investment; debt investment services; financial advice relating to tax; financial affairs management and private equity fund investment services; financial analysis; financial analysis consultation services; financial asset management services; financial investment advisory; financial investment analysis and research; financial investment services in the fields of mutual funds; financial investments in the fields of private equity; financial investments in the fields of real estate; financial management in the field of investment funds, private equity products, real estate and infrastructure; financial research services; financial risk management; investment management services; management of investment funds; management of private equity funds; merchant banking and investment banking services; providing investment management services and customized investment portfolios to private clients; providing private equity and investment funding; venture capital funding services

78.

Systems and methods for pushing firmware binaries using nested multi-threader operations

      
Application Number 18227014
Grant Number 12481496
Status In Force
Filing Date 2023-07-27
First Publication Date 2023-11-16
Grant Date 2025-11-25
Owner Bank of Montreal (Canada)
Inventor Rakhimov, Rinat

Abstract

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.

IPC Classes  ?

  • G06F 9/445 - Program loading or initiating
  • G06F 8/65 - Updates
  • G06F 8/656 - Updates while running
  • G06F 9/455 - EmulationInterpretationSoftware simulation, e.g. virtualisation or emulation of application or operating system execution engines
  • G06F 9/48 - Program initiatingProgram switching, e.g. by interrupt
  • G06F 15/177 - Initialisation or configuration control
  • G06F 16/11 - File system administration, e.g. details of archiving or snapshots
  • G06F 16/953 - Querying, e.g. by the use of web search engines
  • H04L 9/40 - Network security protocols

79.

Private Markets. Simplified.

      
Application Number 229345700
Status Registered
Filing Date 2023-11-16
Registration Date 2025-06-06
Owner Bank of Montreal (Canada)
NICE Classes  ?
  • 35 - Advertising and business services
  • 36 - Financial, insurance and real estate services

Goods & Services

(1) Income tax consulting services (2) Alternative asset funds management; asset and portfolio management services; brokerage, distribution and investment services relating to investment funds and mutual funds; consultancy concerning financing of energy projects; consultancy in the field of private equity investment; debt investment services; financial advice relating to tax; financial affairs management and private equity fund investment services; financial analysis; financial analysis consultation services; financial asset management services; financial investment advisory; financial investment analysis and research; financial investment services in the fields of mutual funds; financial investments in the fields of private equity; financial investments in the fields of real estate; financial management in the field of investment funds, private equity products, real estate and infrastructure; financial research services; financial risk management; investment management services; management of investment funds; management of private equity funds; merchant banking and investment banking services; providing investment management services and customized investment portfolios to private clients; providing private equity and investment funding; venture capital funding services

80.

BRAVO

      
Serial Number 98253776
Status Pending
Filing Date 2023-11-03
Owner Bank of Montreal (Canada)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 36 - Financial, insurance and real estate services

Goods & Services

Computer software platforms, downloadable, for use by financial institutions in managing and conducting foreign exchange transactions Foreign exchange transactions for financial institutions via computer software platforms

81.

Systems and methods for secure storage and retrieval of trade data

      
Application Number 18338147
Grant Number 12216691
Status In Force
Filing Date 2023-06-20
First Publication Date 2023-11-02
Grant Date 2025-02-04
Owner Bank of Montreal (Canada)
Inventor Ding, Jian

Abstract

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.

IPC Classes  ?

82.

Deep-learning-based system and process for image recognition

      
Application Number 18345627
Grant Number 12314860
Status In Force
Filing Date 2023-06-30
First Publication Date 2023-10-26
Grant Date 2025-05-27
Owner Bank of Montreal (Canada)
Inventor
  • Wu, Bo
  • Wan, Ching Leong
  • Zhu, Yuefei
  • Wan, Bo
  • Shahir, Seyed Hamed Yaghoubi

Abstract

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.

IPC Classes  ?

  • G06N 3/082 - Learning methods modifying the architecture, e.g. adding, deleting or silencing nodes or connections
  • G06N 3/04 - Architecture, e.g. interconnection topology
  • G06V 10/82 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using neural networks
  • G06V 30/146 - Aligning or centering of the image pick-up or image-field
  • G06V 30/19 - Recognition using electronic means
  • G06V 30/226 - Character recognition characterised by the type of writing of cursive writing
  • G06V 30/412 - Layout analysis of documents structured with printed lines or input boxes, e.g. business forms or tables
  • G06V 30/413 - Classification of content, e.g. text, photographs or tables
  • G06V 40/30 - Writer recognitionReading and verifying signatures

83.

Network capacity planning systems and methods

      
Application Number 18345648
Grant Number 12143272
Status In Force
Filing Date 2023-06-30
First Publication Date 2023-10-26
Grant Date 2024-11-12
Owner Bank of Montreal (Canada)
Inventor Gagula, Feliks

Abstract

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.

IPC Classes  ?

  • G06F 15/173 - Interprocessor communication using an interconnection network, e.g. matrix, shuffle, pyramid, star or snowflake
  • H04L 41/0896 - Bandwidth or capacity management, i.e. automatically increasing or decreasing capacities
  • H04L 41/22 - Arrangements for maintenance, administration or management of data switching networks, e.g. of packet switching networks comprising specially adapted graphical user interfaces [GUI]
  • H04L 43/0876 - Network utilisation, e.g. volume of load or congestion level
  • H04L 43/106 - Active monitoring, e.g. heartbeat, ping or trace-route using time related information in packets, e.g. by adding timestamps
  • H04L 43/16 - Threshold monitoring

84.

BANQUE DU SOCCER

      
Application Number 228743300
Status Registered
Filing Date 2023-10-18
Registration Date 2024-08-09
Owner Bank of Montreal (Canada)
NICE Classes  ?
  • 09 - Scientific and electric apparatus and instruments
  • 21 - HouseHold or kitchen utensils, containers and materials; glassware; porcelain; earthenware
  • 25 - Clothing; footwear; headgear
  • 28 - Games; toys; sports equipment
  • 35 - Advertising and business services
  • 36 - Financial, insurance and real estate services
  • 41 - Education, entertainment, sporting and cultural services

Goods & Services

(1) Cameras; computer hardware; computer video games; decorative fridge magnets; decorative magnets; digital music downloadable from internet; downloadable animated cartoons; downloadable digital content in the form of electronic publications of books; downloadable digital content in the form of electronic publications of brochures; downloadable digital content in the form of electronic publications of magazines; downloadable digital content in the form of electronic publications of newsletters; downloadable digital content in the form of electronic publications of pamphlets; downloadable electronic books; downloadable television shows and movies; electronic books; pedometers; personal digital assistants [PDAs]; pre-recorded DVDs featuring musical sound recordings; pre-recorded optical discs featuring topics related to the game of soccer; smart watches; smartphones; sports eyewear; sports glasses; sunglasses; wearable activity tracker; wearable activity trackers for use during sport activities (2) Cups; mugs; water bottles (3) Caps; hats; soccer uniforms (4) Bags adapted for soccer balls; soccer balls (1) Advertising the goods and services of others; business networking services; promoting the goods and services of others by arranging for sponsors to affiliate their goods and services with soccer competitions; promoting the goods and services of others by arranging for sponsors to affiliate their goods and services with sports competitions (2) Financial sponsorship of charitable and non-profit organizations; financial sponsorship of cultural events; financial sponsorship of sporting activities; financing of investments; fundraising services (3) Arranging and conducting of soccer training programs; coaching in the field of sports; entertainment in the nature of soccer games; entertainment ticket agency services; organization and staging of soccer competitions; organization of soccer tournaments; providing sports arena facilities; soccer camp services

85.

FUNDSNOW

      
Serial Number 98219346
Status Pending
Filing Date 2023-10-11
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

Banking services, namely, mobile deposit and checking account services for providing expedited withdrawal capability to bank depositors

86.

BMO SMARTFLEX

      
Application Number 227415000
Status Registered
Filing Date 2023-08-09
Registration Date 2024-10-04
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Credit card services

87.

Systems and methods for monitoring user activities

      
Application Number 18070879
Grant Number 11848759
Status In Force
Filing Date 2022-11-29
First Publication Date 2023-06-29
Grant Date 2023-12-19
Owner BANK OF MONTREAL (Canada)
Inventor Niazi, Razieh

Abstract

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.

IPC Classes  ?

88.

Systems and methods for executing models based on metadata

      
Application Number 17890903
Grant Number 12307512
Status In Force
Filing Date 2022-08-18
First Publication Date 2023-06-15
Grant Date 2025-05-20
Owner Bank of Montreal (Canada)
Inventor
  • Cai, Yangming Chris
  • Rajaram, Sriram

Abstract

A system may include one or more processors configured to receive a set of data containing relational database metadata, model data, and customer loan data, configure a first model and a second model based on the model data and the metadata, and partition, based on the relational database metadata, the customer loan data into first data and second data. The one or more processors may execute, by executing a first execution unit, execute the first model using the first data to output a first credit risk score, execute, by executing a second execution unit different from the first execution unit, the second model using the second data to output a second credit risk score, generate a third credit risk score based on the first credit risk score and the second credit risk score, and transmit a notification based on the third credit risk score.

IPC Classes  ?

89.

SYSTEMS AND METHODS FOR GENERATING VISUAL REPRESENTATIONS OF CLIMATE HAZARD RISKS

      
Application Number 17959143
Status Pending
Filing Date 2022-10-03
First Publication Date 2023-05-11
Owner Bank of Montreal (Canada)
Inventor
  • Kenyon-Dean, Kian
  • Torrance, Michael

Abstract

A system and method for generating visual representations of climate hazard risk identifies geographic regions associated with flood hazard risks or risks of other extreme weather events. Disclosed embodiments may identify geographic regions associated with climate hazard risk using geolocation data such as geo-coordinates or postal zones. In a climate hazard risk platform, a climate hazard dashboard generates dashboards and reports providing visual representations of climate hazards and real estate assets within a selected geographic region. These dashboards and reports enable users to understand risk in different scenarios, such as projections over various time frames, physical climate hazard types, current and future time frames, and probabilities of occurrence. The platform includes a cloud data warehouse and a business intelligence (BI) analytics component. A climate hazard risk map may overlay a map of estimated climate hazard and a map of real estate assets within the selected geographic region.

IPC Classes  ?

  • G06Q 50/26 - Government or public services
  • G06Q 50/16 - Real estate
  • G06F 3/04847 - Interaction techniques to control parameter settings, e.g. interaction with sliders or dials

90.

Systems and methods for alert services

      
Application Number 18075382
Grant Number 12284050
Status In Force
Filing Date 2022-12-05
First Publication Date 2023-04-13
Grant Date 2025-04-22
Owner Bank of Montreal (Canada)
Inventor
  • Liu, Yishi
  • Wan, Ching Leong

Abstract

Embodiments relate to systems, processes and devices for an information delivery platform or data hub with an alert processor that can be configured to receive a request to generate an alert configuration at the data hub, the request indicating a target unit; generate and store an alert rule corresponding to the alert configuration, the alert rule having a trigger and an action; detect an event at the data hub based on a set of data of the data stored at the data hub, the event having event data; convert the event data to an alert trigger at the data hub based on the trigger of the alert rule; generate an alert notification for the alert trigger based on the action of the alert rule; and transmit the alert notification to the target unit.

IPC Classes  ?

  • G06F 16/735 - Filtering based on additional data, e.g. user or group profiles
  • G06F 16/783 - Retrieval characterised by using metadata, e.g. metadata not derived from the content or metadata generated manually using metadata automatically derived from the content
  • G06F 16/9535 - Search customisation based on user profiles and personalisation
  • H04L 12/18 - Arrangements for providing special services to substations for broadcast or conference
  • H04W 68/00 - User notification, e.g. alerting or paging, for incoming communication, change of service or the like

91.

METHOD AND SYSTEM FOR RATING APPLICANTS

      
Application Number 17492520
Status Pending
Filing Date 2021-10-01
First Publication Date 2023-04-06
Owner Bank of Montreal (Canada)
Inventor Zhang, Baiwu

Abstract

An application selection system and method accesses a training dataset including historical application records, applicant records, and decision records. The system generates an inferred protected class dataset based upon applicant profile data, such as last name and postal code. The inferred protected class dataset may include one or more of race, color, religion, national origin, gender and sexual orientation. An algorithmic bias model inputs the training dataset and inferred protected class dataset to determine fairness metrics for decisions whether to approve an application. The fairness metrics may include demographic parity and equalized odds. The system adjusts an application selection model to mitigate algorithmic bias by increasing the fairness metrics for the decisions whether to approve an application. Measures for mitigating algorithmic bias may include removing discriminatory features; and determining a metric of disparate impact and adjusting the application selection model if the metric of disparate impact exceeds a predetermined limit.

IPC Classes  ?

  • G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
  • G06N 20/20 - Ensemble learning
  • G06Q 30/02 - MarketingPrice estimation or determinationFundraising

92.

Network capacity planning systems and methods

      
Application Number 17740233
Grant Number 11695638
Status In Force
Filing Date 2022-05-09
First Publication Date 2023-03-30
Grant Date 2023-07-04
Owner BANK OF MONTREAL (Canada)
Inventor Gagula, Feliks

Abstract

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.

IPC Classes  ?

  • H04L 12/24 - Arrangements for maintenance or administration
  • H04L 41/22 - Arrangements for maintenance, administration or management of data switching networks, e.g. of packet switching networks comprising specially adapted graphical user interfaces [GUI]
  • H04L 43/106 - Active monitoring, e.g. heartbeat, ping or trace-route using time related information in packets, e.g. by adding timestamps
  • H04L 41/0896 - Bandwidth or capacity management, i.e. automatically increasing or decreasing capacities
  • H04L 43/16 - Threshold monitoring
  • H04L 43/0876 - Network utilisation, e.g. volume of load or congestion level

93.

BMO SMART PORTFOLIO

      
Serial Number 97840019
Status Registered
Filing Date 2023-03-15
Registration Date 2024-10-01
Owner Bank of Montreal (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

Investment advisory services; financial administration of personal investments and retirement funds through electronic means; financial planning and investment advisory services; financial planning for retirement; investment management in the fields of personal investments and retirement funds through electronic means; providing information and advice in the field of finance, financial investments, and the financial aspects of retirement

94.

ProgressTracker

      
Application Number 224503700
Status Registered
Filing Date 2023-03-12
Registration Date 2024-10-18
Owner BANK OF MONTREAL (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Banking; banking services; investment banking; mortgage banking; financial banking; financial management services; investment management; project financing; insurance; brokerage services for capital investments; providing financial information in the field of mortgage investment, investment of funds and financial planning; credit counseling services; debt counseling services; advisory services relating to financial asset management; advisory services relating to financial planning; advisory services relating to investments and pensions; financial advisory services relating to financial goal planning; financial advisory services, namely financial planning and investment management services

95.

RealProgress

      
Application Number 224504000
Status Registered
Filing Date 2023-03-12
Registration Date 2024-10-18
Owner BANK OF MONTREAL (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Banking; banking services; investment banking; mortgage banking; financial banking; financial management services; investment management; project financing; insurance; brokerage services for capital investments; providing financial information in the field of mortgage investment, investment of funds and financial planning; credit counseling services; debt counseling services; advisory services relating to financial asset management; advisory services relating to financial planning; advisory services relating to investments and pensions; financial advisory services relating to financial goal planning; financial advisory services, namely financial planning and investment management services

96.

BMO Savings Goals

      
Application Number 224504400
Status Registered
Filing Date 2023-03-12
Registration Date 2024-10-04
Owner BANK OF MONTREAL (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Banking; banking services; investment banking; mortgage banking; financial banking; financial management services; investment management; project financing; insurance; brokerage services for capital investments; providing financial information in the field of mortgage investment, investment of funds and financial planning; credit counseling services; debt counseling services; advisory services relating to financial asset management; advisory services relating to financial planning; advisory services relating to investments and pensions; financial advisory services relating to financial goal planning; financial advisory services, namely financial planning and investment management services; administration of investment savings plans; administration of savings accounts; savings account services; tax-free savings accounts (TFSA)

97.

Zero Barriers to Business

      
Application Number 224504700
Status Registered
Filing Date 2023-03-12
Registration Date 2024-10-25
Owner BANK OF MONTREAL (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Banking; banking services; investment banking; mortgage banking; financial banking; financial management services; investment management; project financing; insurance; brokerage services for capital investments; providing financial information in the field of mortgage investment, investment of funds and financial planning; credit counseling services; debt counseling services; advisory services relating to financial asset management; advisory services relating to financial planning; advisory services relating to investments and pensions; financial advisory services relating to financial goal planning; financial advisory services, namely financial planning and investment management services

98.

Same Day Grace

      
Application Number 224504300
Status Registered
Filing Date 2023-03-12
Registration Date 2025-09-08
Owner BANK OF MONTREAL (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Banking; banking services; investment banking; mortgage banking; financial banking; financial management services; investment management; project financing; insurance; brokerage services for capital investments; providing financial information in the field of mortgage investment, investment of funds and financial planning; credit counseling services; debt counseling services; advisory services relating to financial asset management; advisory services relating to financial planning; advisory services relating to investments and pensions; financial advisory services relating to financial goal planning; financial advisory services, namely financial planning and investment management services; providing financial information regarding financial account balances via e-mail and text messages notification alerts

99.

BMO Savings Builder

      
Application Number 224503800
Status Registered
Filing Date 2023-03-12
Registration Date 2024-09-23
Owner BANK OF MONTREAL (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Banking; banking services; investment banking; mortgage banking; financial banking; financial management services; investment management; project financing; insurance; brokerage services for capital investments; providing financial information in the field of mortgage investment, investment of funds and financial planning; credit counseling services; debt counseling services; advisory services relating to financial asset management; advisory services relating to financial planning; advisory services relating to investments and pensions; financial advisory services relating to financial goal planning; financial advisory services, namely financial planning and investment management services; administration of investment savings plans; administration of savings accounts; savings account services; tax-free savings accounts (TFSA)

100.

BMO Global Money Transfer

      
Application Number 224503900
Status Registered
Filing Date 2023-03-12
Registration Date 2024-10-04
Owner BANK OF MONTREAL (Canada)
NICE Classes  ? 36 - Financial, insurance and real estate services

Goods & Services

(1) Banking; banking services; investment banking; mortgage banking; financial banking; financial management services; investment management; project financing; insurance; brokerage services for capital investments; providing financial information in the field of mortgage investment, investment of funds and financial planning; credit counseling services; debt counseling services; advisory services relating to financial asset management; advisory services relating to financial planning; advisory services relating to investments and pensions; financial advisory services relating to financial goal planning; financial advisory services, namely financial planning and investment management services; electronic transfer of money; money transfer services; cash management, namely, facilitating transfers of electronic cash equivalents; currency transfer services; electronic transfer of funds
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