Real-time assessment of initiated data exchanges based on structured messaging data

Number of patents in Portfolio can not be more than 2000

United States of America

PATENT NO 12169845
SERIAL NO

17469312

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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The disclosed exemplary embodiments include computer-implemented processes that assess initiated data exchanges in real-time based on structured messaging data. In some examples, an apparatus may receive a message associated with an exchange of data involving a first counterparty and a second counterparty and characterizing a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine a first identifier of the first counterparty based on elements of the message data disposed within corresponding message fields, and transmit notification data to a device operable by the second counterparty, which may present portions of the notification data within a digital interface. The apparatus may receive review data indicative of a review associated with the data exchange from the device, and store the first identifier and the review data in a data repository.

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Patent Owner(s)

  • THE TORONTO DOMINION BANK

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Baird,, Jr Barry Wayne Kennett Square, US 18 26
Jones, Christopher Mark Villanova, US 41 31
Lawrence,, Jr Claude Bernell Philadelphia, US 20 27
Prendergast, Jonathan Joseph West Chester, US 52 32

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