US 12,437,329 B2
Real-time provisioning of targeted, alternative product information based on structured messaging data
Christopher Mark Jones, Villanova, PA (US); Barry Wayne Baird, Jr., Kennett Square, PA (US); Claude Bernell Lawrence, Jr., Philadelphia, PA (US); and Jonathan Joseph Prendergast, West Chester, PA (US)
Assigned to The Toronto-Dominion Bank, Toronto (CA)
Filed by The Toronto-Dominion Bank, Toronto (CA)
Filed on Jul. 12, 2024, as Appl. No. 18/771,468.
Application 18/771,468 is a continuation of application No. 17/546,422, filed on Dec. 9, 2021, granted, now 12,067,606.
Claims priority of provisional application 63/126,698, filed on Dec. 17, 2020.
Prior Publication US 2024/0362699 A1, Oct. 31, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/00 (2023.01); G06Q 20/32 (2012.01); G06Q 30/0601 (2023.01)
CPC G06Q 30/0631 (2013.01) [G06Q 20/3255 (2013.01)] 20 Claims
OG exemplary drawing
 
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 comprising elements of message data disposed within corresponding message fields, the message data characterizing an exchange of data involving a first counterparty and a second counterparty, and the elements of message data comprising a first parameter value that characterizes a first product provisioned to the second counterparty by the first counterparty;
based on a determination that a second product is available to the second counterparty, transmit first notification data to a device operable by the second counterparty via the communications interface, the first notification data comprising a second parameter value that characterizes the second product, and the first notification data causing an application program executed at the device to present at least the second parameter value within a digital interface; and
receive a first response to the first notification data from the device via the communications interface, and based on the response, perform operations that provision the second product to the second counterparty in accordance with the second parameter value.