Real-time provisioning of targeted digital content based on decomposed messaging data

Patent metadata

Field	Value
Publication number	US-2022198411-A1
Application number	US-202117546376-A
Country	US
Kind code	A1
Filing date	Dec 9, 2021
Priority date	Dec 17, 2020
Publication date	Jun 23, 2022
Grant date	—

Abstract

The disclosed embodiments include computer-implemented apparatuses and processes that provision, in real-time, targeted digital content based on decomposed, structured messaging data. For example, an apparatus may receive a message associated with an exchange of data involving a first counterparty and a second counterparty. The message includes elements of message data disposed within corresponding message fields, and the message data characterizes a real-time payment requested from the second counterparty by the first counterparty. The apparatus may generate intent data associated with the data exchange based on the elements of the message data, and based on the intent data, obtain digital content associated with the data exchange. The apparatus may transmit notification data that includes the digital content to a device operable by the second counterparty, and an application program executed at the device to may present a portion of the digital content within a digital interface.

First claim

What is claimed is:

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 an exchange of data involving a first counterparty and a second counterparty, the message comprising elements of message data disposed within corresponding message fields, and the message data characterizing a real-time payment requested from the second counterparty by the first counterparty;
generate intent data associated with the data exchange based on the elements of the message data, and based on the intent data, obtain digital content associated with the data exchange; and
transmit, via the communications interface, notification data that includes the digital content to a device operable by the second counterparty, the notification data causing an application program executed at the device to present a portion of the digital content within a digital interface.

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

3 . The apparatus of claim 2 , wherein:
the received 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 the message data and corresponding ones of the message fields.

4 . The apparatus of claim 2 , 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 one or more elements of formatted data maintained by a computing system.

5 . The apparatus of claim 4 , wherein the at least one processor is further configured to execute the instructions to extract at least one of the first identifier, the second identifier, or an additional parameter value characterizing the data exchange from corresponding portions of the uniform resource locator.

6 . The apparatus of claim 4 , wherein 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 one or more elements of the formatted data from the computing system via the communications interface.

7 . The apparatus of claim 6 , wherein the at least one processor is further configured to execute the instructions to process the one or more elements of formatted data, and obtain at least one of the first identifier, the second identifier, or an additional parameter value characterizing the data exchange from the processed elements of formatted data.

8 . The apparatus of claim 6 , wherein the at least one processor is further configured to execute the instructions to:
process the one or more elements of the formatted data, and obtain one or more elements of contextual data that characterize the data exchange based on the processed elements of formatted data; and generate the intent data associated with the data exchange based on portions of the elements of the message data and the contextual data.

9 . The apparatus of claim 1 , wherein the at least one processor is further configured to generate the intent data based on an application of a trained machine learning or artificial intelligence process to the elements of the message data.

10 . The apparatus of claim 1 , wherein:
the obtained digital content is associated with at least one of a product or service available to the second counterparty; and wherein the at least one processor is further configured to execute the instructions to:
receive, via the communications interface, a response to the notification data from the device;
based on the response, perform operations that provision the at least one product or service to the second counterparty; and
store data associated with the at least one provisioned product or service within the memory.

11 . A computer-implemented method, comprising:
receiving, using at least one processor, a message associated with an exchange of data involving a first counterparty and a second counterparty, the message comprising elements of message data disposed within corresponding message fields, and the message data characterizing a real-time payment requested from the second counterparty by the first counterparty; using the at least one processor, generating intent data associated with the data exchange based on the elements of the message data, and based on the intent data, obtaining digital content associated with the data exchange; and transmitting, using the at least one processor, notification data that includes the digital content to a device operable by the second counterparty, the notification data causing an application program executed at the device to present a portion of the digital content within a digital interface.

12 . The computer-implemented method of claim 11 , further comprising:
obtaining, using the at least one processor, mapping data associated with the message fields of the received message; performing operations, using the at least one processor, that obtain the elements of the message data from corresponding ones of the message fields based on the mapping data; and storing, using the at least one processor, the elements of the message data within a data repository, the elements of the message data comprising a first identifier of the first counterparty, a second identifier of the second counterparty, and a parameter value characterizing the data exchange.

13 . The computer-implemented method of claim 12 , wherein:
the received 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 the message data and corresponding ones of the message fields.

14 . The computer-implemented method of claim 12 , further comprising obtaining, using the at least one processor, remittance information associated with the data exchange from one or more of the message fields based on the mapping data, the remittance information comprising a uniform resource locator associated with one or more elements of formatted data maintained by a computing system.

15 . The computer-implemented method of claim 14 , further comprising performing operations, using the at least one processor, that extract at least one of the first identifier, the second identifier, or an additional parameter value characterizing the data exchange from corresponding portions of the uniform resource locator.

16 . The computer-implemented method of claim 14 , further comprising, based on the uniform resource locator

Assignees

• Toronto Dominion Bank

Inventors

• Jones Christopher Mark
• Baird Jr Barry Wayne
• Lawrence Jr Claude Bernell
• Prendergast Jonathan Joseph

Classifications

• G06N5/01

  Dynamic search techniques; Heuristics; Dynamic trees; Branch-and-bound · CPC title

• G06Q20/326 Primary

  Payment applications installed on the mobile devices · CPC title

• G06Q20/047

  using payment protocols involving electronic receipts · CPC title

• G06Q20/387

  Payment using discounts or coupons (relating to marketing G06Q30/02) · CPC title

• G06Q20/42

  Confirmation, e.g. check or permission by the legal debtor of payment · CPC title