# US 12,192,162 B2 · Multi-channel messaging system > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,192,162 B2 - Document ID: US12192162B2 - Status: Granted - Kind: B2 - Application number: 18/528,461 - Filed: 2023-12-04 - Published: 2024-03-28 - Granted: 2025-01-07 - Earliest claimed: 2021-02-17 - Assignees: The Toronto-Dominion Bank - Applicants: The Toronto-Dominion Bank - Inventors: Arthur Carroll Chow; Tae Gyun Moon; Sangeeta Mathew; Darius Braziunas; Dino Paul D'Agostino - Web page: https://patentgrep.com/patent/US12192162B2 ## CPC - H04L 51/56: Unified messaging, e.g. interactions between e-mail, instant messaging or converged IP messaging [CPM] - H04L 51/226: Delivery according to priorities - H04L 51/58: Message adaptation for wireless communication - H04W 4/12: Messaging; Mailboxes; Announcements - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) - H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72) ## Abstract A computer-implemented method is disclosed. The method includes: detecting a trigger condition associated with a data record based on monitoring data record operations in connection with the data record; in response to detecting the trigger condition, generating a first message object for the data record, the first message object being associated with at least one compatible access channel; storing the first message object in a memory, the first message object being stored in association with a set of one or more message objects for the data record, wherein the first set defines an order for the one or more message objects; detecting a data record operation via a first access channel; retrieving, from the memory, at least one message object of the set that is associated with the first access channel; and causing the at least one message object to be delivered via the first access channel. ## Claims ### Claim 1 A computing system, comprising: one or more processors; a communications module coupled to the one or more processors; and a memory coupled to the one or more processors, the memory storing instructions that, when executed, configure the one or more processors to: detect a trigger condition associated with a data record based on monitoring data record operations in connection with the data record; in response to detecting the trigger condition, generate a first message object for the data record and a related message object, the first message object being associated with at least one compatible access channel and the related message object being associated with a second access channel different from the at least one compatible access channel associated with the first message object; store the first message object and related message object in the memory, the first message object being stored in association with a set of one or more message objects for the data record; detect a data record operation via a first access channel; and select the first message object from the set based on a real-time determination that the at least one compatible access channel includes the first access channel via which the data record operation is detected; and cause the first message object to be delivered via the first access channel. ### Claim 2 (depends on 1) The computing system of claim 1, wherein the instructions, when executed, further configure the one or more processors to select the first message object in response to detection of the data record operation via the first access channel. ### Claim 3 (depends on 1) The computing system of claim 1, wherein the data record operation is a resource account data record operation. ### Claim 4 (depends on 1) The computing system of claim 1, wherein the data record is associated with a resource account of a recipient entity and the data record defines a quantity of stored value resources that are associated with the recipient entity. ### Claim 5 (depends on 1) The computing system of claim 1, wherein the related message object includes a same or similar target message as the first message object. ### Claim 6 (depends on 1) The computing system of claim 1, wherein the first message object is associated with one or more defined rules for evaluating the first message object prior to delivery of the first message object. ### Claim 7 (depends on 1) The computing system of claim 1, wherein the set defines an order for the one or more message objects. ### Claim 8 (depends on 1) The computing system of claim 1, wherein the first message object includes tag data identifying the related message object. ### Claim 9 (depends on 1) The computing system of claim 1, wherein the instructions, when executed, further configure the one or more processors to: detect that one of the message objects of the set has been delivered; identify the related message object based on tag data for the one of the message objects of the set; and modify a delivery priority associated with the related message object. ### Claim 10 (depends on 1) The computing system of claim 1, wherein the first message object identifies a user authentication state that is required for delivering the first message object via the at least one compatible access channel. ### Claim 11 A computer-implemented method, comprising: detecting a trigger condition associated with a data record based on monitoring data record operations in connection with the data record; in response to detecting the trigger condition, generating a first message object for the data record and a related message object, the first message object being associated with at least one compatible access channel and the related message object being associated with a second access channel different from the at least one compatible access channel associated with the first message object; storing the first message object and related message object in a memory, the first message object being stored in association with a set of one or more message objects for the data record; detecting a data record operation via a first access channel; and selecting the first message object from the set based on a real-time determination that the at least one compatible access channel includes the first access channel via which the data record operation is detected; and causing the first message object to be delivered via the first access channel. ### Claim 12 (depends on 11) The method of claim 11, wherein selecting the first message object occurs in response to detecting the data record operation via the first access channel. ### Claim 13 (depends on 11) The method of claim 11, wherein the data record operation is a resource account data record operation. ### Claim 14 (depends on 11) The method of claim 11, wherein the data record is associated with a resource account of a recipient entity and the data record defines a quantity of stored value resources that are associated with the recipient entity. ### Claim 15 (depends on 11) The method of claim 11, wherein the related message object includes a same or similar target message as the first message object. ### Claim 16 (depends on 11) The method of claim 11, wherein the first message object is associated with one or more defined rules for evaluating the first message object prior to delivery of the first message object. ### Claim 17 (depends on 11) The method of claim 11, wherein the set defines an order for the one or more message objects. ### Claim 18 (depends on 11) The method of claim 11, wherein the first message object includes tag data identifying the related message object. ### Claim 19 (depends on 11) The method of claim 11, further comprising: detecting that one of the message objects of the set has been delivered; identifying the related message object based on tag data for the one of the message objects of the set; and modifying a delivery priority associated with the related message object. ### Claim 20 A non-transitory computer readable storage medium is comprising processor-executable instructions which, when executed, configure one or more processors to: detect a trigger condition associated with a data record based on monitoring data record operations in connection with the data record; in response to detecting the trigger condition, generate a first message object for the data record and a related message object, the first message object being associated with at least one compatible access channel and the related message object being associated with a second access channel different from the at least one compatible access channel associated with the first message object; store the first message object and related message object in a memory, the first message object being stored in association with a set of one or more message objects for the data record; detect a data record operation via a first access channel; and select the first message object from the set based on a real-time determination that the at least one compatible access channel includes the first access channel via which the data record operation is detected; and cause the first message object to be delivered to via the first access channel.