# US 11,907,945 B2 · Real-time determination of counterparty geolocation based on structured messaging data

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- Number: US 11,907,945 B2
- Document ID: US11907945B2
- Status: Granted
- Kind: B2
- Application number: 17/902,386
- Filed: 2022-09-02
- Published: 2022-12-29
- Granted: 2024-02-20
- Earliest claimed: 2020-08-10
- Assignees: The Toronto-Dominion Bank
- Applicants: The Toronto-Dominion Bank
- Inventors: Christopher Mark Jones; Barry Wayne Baird, Jr.; Claude Bernell Lawrence, Jr.; Jonathan Joseph Prendergast
- Web page: https://patentgrep.com/patent/US11907945B2

## CPC

- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit}
- G06Q 20/3224: {Transactions dependent on location of M-devices}
- G06Q 30/0238: at point-of-sale [POS]
- G06Q 30/0261: {based on user location}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

The disclosed embodiments include computer-implemented processes that determine, in real time, counterparty geolocation location based on structured messaging data, such as messaging data maintained within message fields of a request-for-payment (RFP) message compliant with the ISO 20022. For example, an apparatus may receive a RFP message that includes message data associated with a transaction involving first and second counterparties, and the RFP message may characterize a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine a geographic position of the first counterparty based the message data, and based on the first geographic position, transmit notification data to a device operable by the second counterparty. The notification data may cause the device to present digital content associated with at least one of the transaction, the first counterparty, or the second counterparty within a digital interface.

## Claims

### Claim 1

An apparatus comprising:
a communications interface;
a memory storing instructions; and
at least one processor coupled to the communications interface and to the memory, the at least one processor being configured to execute the instructions to:
receive, via the communications interface, a message associated with a transaction involving a first counterparty and a second counterparty;
determine a first geographic position of the first counterparty based on a uniform resource locator disposed within one or more message fields of the message; and
based on the first geographic position, transmit, via the communications interface, notification data to a device operable by the second counterparty, the notification data comprising digital content associated with at least one of the transaction, the first counterparty, or the second counterparty, and the notification data causing an application program executed at the device to present the digital content within a digital interface.

### Claim 2 (depends on 1)

The apparatus of claim 1, wherein the message comprises elements of message data characterizing a real-time payment requested from the second counterparty by the first counterparty, the elements of message data being disposed within corresponding ones of the message fields of the message, and the message fields being structured in accordance with a standardized data-exchange protocol.

### Claim 3 (depends on 1)

The apparatus of claim 1, wherein the at least one processor is further configured to execute the instructions to:
obtain, from the memory, mapping data associated with the message fields of the received message; and
perform operations that obtain elements of message data from corresponding ones of the message fields based on the mapping data, the elements of message data comprising the uniform resource locator.

### Claim 4 (depends on 1)

The apparatus of claim 1, wherein the at least one processor is further configured to execute the instructions to:
obtain a portion of a postal address of the first counterparty based on the uniform resource locator; and
determine the first geographic position of the first counterparty based on the portion of the postal address.

### Claim 5 (depends on 4)

The apparatus of claim 4, wherein the at least one processor is further configured to execute the instructions to obtain the portion of the postal address of the first counterparty from a corresponding portion of the uniform resource locator.

### Claim 6 (depends on 4)

The apparatus of claim 4, wherein:
the uniform resource locator is associated with elements of formatted data maintained by a computing system associated with the first counterparty; and
the at least one processor is further configured to execute the instructions to:
based on the uniform resource locator, perform operations that request and receive the elements of formatted data from the computing system via the communications interface; and
process the elements of formatted data, and obtain the portion of the postal address from the elements of formatted data.

### Claim 7 (depends on 4)

The apparatus of claim 4, wherein the at least one processor is further configured to execute the instructions to determine geospatial coordinates associated with the first counterparty based on the portion of the postal address, the geospatial coordinates specifying the first geographic position of the first counterparty.

### Claim 8 (depends on 7)

The apparatus of claim 7, wherein the at least one processor is further configured to execute the instructions to:
obtain generic postal addresses associated with potential counterparties to the transaction; and
when the generic postal addresses fail to include the portion of the postal address, determine the geospatial coordinates associated with the first counterparty based on the portion of the postal address.

### Claim 9 (depends on 1)

The apparatus of claim 1, wherein the at least one processor is further configured to:
obtain candidate elements of digital content from the memory, each of the candidate elements of digital content being associated with a second geographic position;
determine that the second geographic position associated with a corresponding one of the candidate elements of digital content is disposed within a predetermined threshold distance of the first geographic position; and
generate a portion of the notification data that includes the corresponding one of the candidate elements of digital content.

### Claim 10 (depends on 1)

The apparatus of claim 1, wherein the at least one processor is further configured to:
obtain a second geographic position of the device operable by the second counterparty, and determine third geographic positions disposed along a travel route between the first and second geographic positions;
obtain, from the memory, a plurality of candidate elements of digital content, each of the plurality of candidate elements of digital content being associated with a fourth geographic position;
determine that the fourth geographic position associated with a corresponding one of the plurality of candidate elements of digital content is disposed within a predetermined threshold distance of at least one of the third geographic positions; and
generate a portion of the notification data that includes the corresponding one of the plurality of candidate elements of digital content.

### Claim 11 (depends on 1)

The apparatus of claim 1, wherein:
the message comprises elements of message data characterizing a real-time payment requested from the second counterparty by the first counterparty;
the generated notification data comprises a payment notification associated with the real-time payment, an incentive notification that includes the digital content, and at least one positional trigger;
the at least one processor is further configured to generate the payment notification based on the elements of message data;
the at least one positional trigger comprising at least one of the first geographic position or a second geographic position associated with the digital content; and
the executed application program presents at least one of the payment notification or the incentive notification within the digital interface in accordance with the at least one positional trigger.

### Claim 12

A computer-implemented method, comprising:
receiving, using at least one processor, a message associated with a transaction involving a first counterparty and a second counterparty;
determining, using the at least one processor, a first geographic position of the first counterparty based on a uniform resource locator disposed within one or more message fields of the message; and
based on the first geographic position, transmitting, using the at least one processor, notification data to a device operable by the second counterparty, the notification data comprising digital content associated with at least one of the transaction, the first counterparty, or the second counterparty, and the notification data causing an application program executed at the device to present the digital content within a digital interface.

### Claim 13 (depends on 12)

The computer-implemented method of claim 12, wherein the message comprises elements of message data characterizing a real-time payment requested from the second counterparty by the first counterparty, the elements of message data being disposed within corresponding ones of the message fields of the message, and the message fields being structured in accordance with a standardized data-exchange protocol.

### Claim 14 (depends on 12)

The computer-implemented method of claim 12, further comprising:
obtaining, using the at least one processor, mapping data associated with the message fields of the received message; and
performing operations, using the at least one processor, that obtain elements of message data from corresponding ones of the message fields based on the mapping data, the elements of message data comprising the uniform resource locator.

### Claim 15 (depends on 12)

The computer-implemented method of claim 12, wherein:
the computer-implemented method further comprises obtaining, using the at least one processor, a portion of a postal address of the first counterparty based on the uniform resource locator; and
the determining comprises the first geographic position of the first counterparty based on the portion of the postal address.

### Claim 16 (depends on 15)

The computer-implemented method of claim 15, wherein the obtaining comprises obtaining the portion of the postal address of the first counterparty from a corresponding portion of the uniform resource locator.

### Claim 17 (depends on 15)

The computer-implemented method of claim 15, wherein:
the uniform resource locator is associated with elements of formatted data maintained by a computing system associated with the first counterparty;
the computer-implemented method further comprises:
based on the uniform resource locator, and using the at least one processor, performing operations that request and receive the elements of formatted data from the computing system; and
processing the elements of formatted data using the at least one processor; and
the obtaining comprises obtaining the portion of the postal address from the elements of formatted data.

### Claim 18 (depends on 15)

The computer-implemented method of claim 15, further comprising determining, using the at least one processor, geospatial coordinates associated with the first counterparty based on the portion of the postal address, the geospatial coordinates specifying the first geographic position of the first counterparty.

### Claim 19 (depends on 12)

The computer-implemented method of claim 12, further comprising:
obtaining candidate elements of digital content using the at least one processor each of the candidate elements of digital content being associated with a second geographic position;
determining, using the at least one processor, that the second geographic position associated with a corresponding one of the candidate elements of digital content is disposed within a predetermined threshold distance of the first geographic position; and
generating, using the at least one processor, a portion of the notification data that includes the corresponding one of the candidate elements of digital content.

### Claim 20

A tangible, non-transitory computer-readable medium storing instructions that, when executed by at least one processor, cause the at least one processor to perform a method, comprising:
receiving a message associated with a transaction involving a first counterparty and a second counterparty;
determining a first geographic position of the first counterparty based on a uniform resource locator disposed within one or more message fields of the message; and
based on the first geographic position, transmitting notification data to a device operable by the second counterparty, the notification data comprising digital content associated with at least one of the transaction, the first counterparty, or the second counterparty, and the notification data causing an application program executed at the device to present the digital content within a digital interface.