# US 2023/0056764 A1 · Real-time provisioning of targeted digital content associated with an initiated data exchange based on structured messaging data

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- Number: US 2023/0056764 A1
- Document ID: US20230056764A1
- Status: Published application
- Kind: A1
- Application number: 17/884,796
- Filed: 2022-08-10
- Published: 2023-02-23
- Earliest claimed: 2021-08-17
- 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/US20230056764A1

## CPC

- G06Q 20/26: Debit schemes, e.g. "pay now"
- G06Q 40/03: Credit; Loans; Processing thereof
- 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 systems and processes that provision, in real-time, targeted digital content associated with an initiated data exchange based on structured messaging data. For example, an apparatus may receive a message associated with a real-time payment requested from a first counterparty by a second counterparty. The message may include elements of message data disposed within corresponding message fields, and based on at least the elements of message data, the apparatus may generate product data characterizing a product available to the first counterparty and transmit first notification data including digital content associated with the available product and with the data exchange to a first device operable by the first counterparty. Based on response data generated by the first device, the apparatus may perform operations that provision the available product to the first counterparty in accordance with the product data.

## 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 first real-time payment requested from a first counterparty by a second counterparty, the message comprising elements of message data disposed within corresponding message fields, and the elements of message data characterizing an exchange of data initiated between the first and second counterparties;
based on at least the elements of message data, generate product data characterizing a product available to the first counterparty;
transmit, via the communications interface, first notification data to a first device operable by the first counterparty, the first notification data comprising digital content associated with the available product and with the data exchange, and the first device being configured to present at least a portion of the digital content within a digital interface; and
based on response data generated by the first device, perform operations that provision the available product to the first counterparty in accordance with the product data.

### Claim 2 (depends on 1)

The apparatus of claim 1, wherein:
the product data comprises a product identifier and a parameter value, and the first notification data is associated with an offer to provision the product to the first counterparty in accordance with the parameter value; and
the at least one processor is further configured to execute the instructions to:
receive the response data from the first device via the communications interface;
establish that the response data is associated with an acceptance of the offer to provision the product to the first counterparty in accordance with the parameter value; and
perform operations that provision the available product to the first counterparty in accordance with the parameter value.

### Claim 3 (depends on 2)

The apparatus of claim 2, wherein:
the first notification data comprises additional digital content associated with a second real-time payment;
the first device is further configured to present at least a portion of the additional digital content within the digital interface; and
the at least one processor is further configured to execute the instructions to:
determine that the response data is associated with an approval of the second real-time payment; and
establish that the response data is associated with the acceptance of the offer based on the determination that the response data is associated with the approval of the second real-time payment.

### Claim 4 (depends on 2)

The apparatus of claim 2, wherein the at least one processor is further configured to execute the instructions to:
determine that the response data is associated with a rejection of the offer; and
transmit, to the first device via the communications interface, second notification data that includes information characterizing the first real-time payment, the second notification data causing the first device to present at least a portion of the information within the digital interface.

### Claim 5 (depends on 1)

The apparatus of claim 1, wherein:
the product data comprises a product identifier and a parameter value; and
the at least one processor is further configured to execute the instructions to:
obtain a qualification criterion associated with the product from the memory;
determine the parameter value based on the qualification criterion and on one or more of the elements of message data.

### Claim 6 (depends on 1)

The apparatus of claim 1, wherein the at least one processor is further configured to execute the instructions to, based on the provisioning of the product to the first counterparty, perform operations that execute the first real-time payment in accordance with the product data.

### Claim 7 (depends on 6)

The apparatus of claim 6, wherein:
the at least one processor is further configured to execute the instructions to transmit, via the communications interface, an additional message associated with the execution of the first real-time payment to a computing system associated with the second counterparty, the additional message comprising message fields structured in accordance with a standardized data-exchange protocol, and the message fields comprising information identifying the available product;
the additional message causes the computing system to transmit, to a second device, confirmation data characterizing the execution of the first real-time payment; and
the second device is configured to present at least a portion of the confirmation data within an additional digital interface.

### Claim 8 (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 message;
perform operations that obtain the elements of message data from the message fields based on the mapping data; and
store the elements of message data within the memory, the elements of message data comprising a first identifier of the first counterparty, a second identifier of the second counterparty, and a value of a parameter characterizing the data exchange.

### Claim 9 (depends on 8)

The apparatus of claim 8, wherein:
the message comprises a request-for-payment message, the message fields of the request-for-payment message being structured in accordance with a standardized data-exchange protocol; and
elements of the mapping data identify corresponding ones of the elements of message data and corresponding ones of the message fields.

### Claim 10 (depends on 8)

The apparatus of claim 8, wherein the at least one processor is further configured to execute the instructions to:
obtain, based on the mapping data, remittance information associated with the data exchange from one or more of the message fields, the remittance information comprising a uniform resource locator associated with elements of formatted data maintained by a computing system associated with the second counterparty;
process the elements of formatted data; and
obtain at least one of the first identifier, the second identifier, or the parameter value characterizing the data exchange from the processed elements of formatted data.

### Claim 11

A computer-implemented method, comprising:
receiving, using at least one processor, a message associated with a first real-time payment requested from a first counterparty by a second counterparty, the message comprising elements of message data disposed within corresponding message fields, and the elements of message data characterizing an exchange of data initiated between the first and second counterparties;
based on at least the elements of message data, generating, using the at least one processor, product data characterizing a product available to the first counterparty;
transmitting, using the at least one processor, first notification data to a first device operable by the first counterparty, the first notification data comprising digital content associated with the available product and with the data exchange, and the first device being configured to present at least a portion of the digital content within a digital interface; and
based on response data generated by the first device, performing operations, using the at least one processor, that provision the available product to the first counterparty in accordance with the product data.

### Claim 12 (depends on 11)

The computer-implemented method of claim 11, wherein:
the product data comprises a product identifier and a parameter value, and the first notification data is associated with an offer to provision the product to the first counterparty in accordance with the parameter value; and
the computer-implemented method further comprises:
receiving the response data from the first device using the at least one processor;
establishing, using the at least one processor, that the response data is associated with an acceptance of the offer to provision the product to the first counterparty in accordance with the parameter value; and
performing operations, using the at least one processor, that provision the available product to the first counterparty in accordance with the parameter value.

### Claim 13 (depends on 12)

The computer-implemented method of claim 12, wherein:
the first notification data comprises additional digital content associated with a second real-time payment;
the first device is further configured to present at least a portion of the additional digital content within the digital interface; and
the computer-implemented method further comprises determining, using the at least one processor, that the response data is associated with an approval of the second real-time payment; and
the establishing comprises establishing that the response data is associated with the acceptance of the offer based on the determination that the response data is associated with the approval of the second real-time payment.

### Claim 14 (depends on 12)

The computer-implemented method of claim 12, further comprising:
determining, using the at least one processor, that the response data is associated with a rejection of the offer; and
transmitting, using the at least one processor, and to the first device, second notification data that includes information characterizing the first real-time payment, the second notification data causing the first device to present at least a portion of the information within the digital interface.

### Claim 15 (depends on 11)

The computer-implemented method of claim 11, wherein the product data comprises a product identifier and a parameter value, and the computer-implemented method further comprises:
obtaining, using the at least one processor, a qualification criterion associated with the product from a data repository; and
determining, using the at least one processor, the parameter value based on the qualification criterion and on one or more of the elements of message data.

### Claim 16 (depends on 11)

The computer-implemented method of claim 11, further comprising, based on the provisioning of the product to the first counterparty, performing operations, using the at least one processor, that execute the first real-time payment in accordance with the product data.

### Claim 17 (depends on 16)

The computer-implemented method of claim 16, wherein:
the computer-implemented method further comprises transmitting, using the at least one processor, an additional message associated with the execution of the first real-time payment to a computing system associated with the second counterparty, the additional message comprising message fields structured in accordance with a standardized data-exchange protocol, and the message fields comprising information identifying the available product;
the additional message causes the computing system associated with the second counterparty to transmit, to a second device, confirmation data characterizing the execution of the first real-time payment in accordance with the product data; and
the second device is configured to present at least a portion of the confirmation data within an additional digital interface.

### Claim 18 (depends on 11)

The computer-implemented method of claim 11, wherein:
the message comprises a request-for-payment message, the message fields of the request-for-payment message being structured in accordance with a standardized data-exchange protocol; and
the computer-implemented method further comprises:
obtaining, using the at least one processor, mapping data associated with the message fields of the message from a data repository;
performing operations, using the at least one processor, that obtain the elements of message data from the message fields based on the mapping data; and
using the at least one processor, storing the elements of message data within the data repository, the elements of message data comprising a first identifier of the first counterparty, a second identifier of the second counterparty, and a value of a parameter characterizing the data exchange.

### Claim 19 (depends on 18)

The computer-implemented method of claim 18, further comprising:
obtaining, using the at least one processor, and based on the mapping data, remittance information associated with the data exchange from one or more of the message fields, the remittance information comprising a uniform resource locator associated with elements of formatted data maintained by a computing system associated with the second counterparty;
process the elements of formatted data using the at least one processor; and
obtaining, using the at least one processor, at least one of the first identifier, the second identifier, or the parameter value characterizing the data exchange from the processed elements of formatted data.

### 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 first real-time payment requested from a first counterparty by a second counterparty, the message comprising elements of message data disposed within corresponding message fields, and the elements of message data characterizing an exchange of data initiated between the first and second counterparties;
based on at least the elements of message data, generating product data characterizing a product available to the first counterparty;
transmitting first notification data to a first device operable by the first counterparty, the first notification data comprising digital content associated with the available product and with the data exchange, and the first device being configured to present at least a portion of the digital content within a digital interface; and
based on response data generated by the first device, performing operations that provision the available product to the first counterparty in accordance with the product data.