REAL-TIME PROVISIONING OF TARGETED RECOMMENDATIONS BASED ON DECOMPOSED STRUCTURED MESSAGING DATA

Number of patents in Portfolio can not be more than 2000

United States of America

APP PUB NO 20250014010A1
SERIAL NO

18893681

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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The disclosed embodiments include computer-implemented apparatuses and processes that provision, in real-time, targeted recommendations based on decomposed structured messaging data. For example, an apparatus receives a message that includes elements of message data disposed within corresponding message fields. The message data may characterizes a real-time payment requested by a first counterparty from a second counterparty and associated with a first product provisioned to the second counterparty by the first counterparty. Based on elements of message data, the apparatus determines a value of a parameter that characterizes at least one of the second counterparty or a relationship between the second counterparty and the first counterparty, and transmits digital content associated with the parameter value to a device operable by the second counterparty, which presents a portion of the digital content within a digital interface.

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Patent Owner(s)

Patent OwnerAddress
TORONTO DOMINION BANK66 WELLINGTON STREET WEST 12TH FLOOR TORONTO M5K 1A2

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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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