The Toronto-dominion Bank

Jonathan Joseph Prendergast

Christopher Mark Jones

Barry Wayne Baird, Jr

Claude Bernell Lawrence, Jr

Milos Dunjic

David Samuel Tax

Vipul Kishore Lalka

Kushank Rastogi

Thomas Osman Kelly

Asad Joheb

Hitesh Bajaj

Steven Gervais

Nasim Sarir

Sultan Harb

Michael Thomas DeLaveaga

John William Thomas

Susan Elizabeth Hawkins

Harshad Laxmanbhai Patel

According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises. The ambient commerce system may further include a processor coupled to the sensor and a memory coupled to the processor. The memory may store processor-executable instructions which, when executed, cause the processor to: detect, based on an output of the sensor at the ambient commerce premises, engagement of an entity with a first item satisfying first predetermined criteria; identify the entity; determine based on account data for the identified entity, a resource parameter for the identified entity; and when the resource parameter satisfies second predetermined criteria, generate a notification on an electronic device associated with the entity. Identifying the entity may include image recognition, such as facial recognition.

Enabling feature based on a sensed condition at ambient commerce premises

Disclosed embodiments include computer-implemented systems and processes that provision targeted alternative product information based on structured messaging data. An apparatus may receive a message characterizing a real-time payment requested by a first counterparty from a second counterparty, and associated with a first product provisioned to the second counterparty by the first counterparty. The apparatus may determine that a second product is available to the second counterparty based on the message using a machine learning or artificial intelligence process. The apparatus may transmit notification data to a device operable by the second counterparty. The notification data includes product data characterizing the second product, and causes an application program executed at the device to present at least a portion of the product data within a digital interface. The apparatus receives a response to the notification data from the device and, based on the response, provisions the second product to the second counterparty.

Real-time provisioning of targeted, alternative product information based on structured messaging data

In an aspect a computer system is configured to: receive accelerated transfer definition data defining one or more conditions for accelerating a transfer; obtain a due date for completing the transfer; initiate the transfer in response to the earlier of: determining that at least one of the conditions for accelerating the transfer have occurred; and determining that a current date is within a defined proximity of the due date for completing the transfer.

System for automatic data transfer acceleration

A method may include: sending a first signal representing a message identifying an entity from a server computer system to a resource usage tracking server; in response to the message, receiving, from the resource usage tracking server, a second signal representing historical resource usage data for the entity; identifying a first data transfer recipient associated with the historical resource usage data for the entity by using a database of supported data transfer recipients; sending a third signal, the third signal causing a client device associated with the entity to display a selectable option for data transfer to the identified first data transfer recipient; receiving a fourth signal, the fourth signal indicating selection of the selectable option for data transfer to the identified first data transfer recipient; and in response to receiving the fourth signal, configuring an account associated with the entity based on the first data transfer recipient.

Configuration of data transfer recipient

The disclosed embodiments include computer-implemented systems and processes that generate and provision, in real time, directed digital content based on decomposed structured messaging data. For example, an apparatus may receive a plurality of messages that characterize first data exchanges initiated between a first counterparty and second counterparties during a first temporal interval. Each of the messages includes elements of message data associated with a real-time payment requested from the first counterparty by a corresponding one of the second counterparties. Based on the elements of message data, that apparatus may predict an occurrence of a second exchange of data that involves the first counterparty during a second temporal interval, and may transmit notification data that includes product data characterizing an available product associated with the predicted occurrence of the second data exchange to a device operable by the first counterparty for presentation within a digital interface.

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

The disclosed embodiments include computer-implemented systems and processes that perform reconciliation processing in real-time based on structured messaging data. For example, an apparatus may receive elements of decomposed message data that include a first parameter value of a data exchange involving first and second counterparties, and that characterize a real-time payment requested from the second counterparty by the first counterparty. The apparatus may transmit a notification to a first device operable by the second counterparty and receive a response to the notification from the first device that includes a second parameter value of the data exchange. Based on at least the first and second parameter values, the apparatus may perform operations that reconcile the response with the elements of decomposed message data, and transmitting data indicative of an outcome of the reconciliation to a second device operable by the first counterparty for presentation within a digital interface.

Real-time reconciliation processing based on structured messaging data

A computer-implemented method is disclosed. The method includes: receiving a first request to initiate a first resource transfer for transferring a first defined quantity of resources from a transferor data record to a transferee data record; determining that the first resource transfer is of a first type; in response to determining that the first resource transfer is of a first type, performing verification of the transferee data record by: transmitting, to a first server associated with the transferee data record, a second request to initiate a second resource transfer for transferring a second defined quantity of resources from the transferee data record to the transferor data record; receiving, from the first server, a response message associated with the second request, the response message authorizing the second resource transfer; and verifying the transferee data record based on the response message, and after verifying the transferee data record, initiating a third resource transfer for transferring a third defined quantity from the transferor data record to the transferee data record.

System and methods for secure processing of real-time resource transfers

The disclosed exemplary embodiments include computer-implemented processes that assess initiated data exchanges in real-time based on structured messaging data. In some examples, an apparatus may receive a message associated with an exchange of data involving a first counterparty and a second counterparty and characterizing a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine a first identifier of the first counterparty based on elements of the message data disposed within corresponding message fields, and transmit notification data to a device operable by the second counterparty, which may present portions of the notification data within a digital interface. The apparatus may receive review data indicative of a review associated with the data exchange from the device, and store the first identifier and the review data in a data repository.

Real-time assessment of initiated data exchanges based on structured messaging data

Methods and systems for performing a partial pass-through transfer are described. In an aspect, a method includes: receiving, from a first computing system, pass-through transfer definition data to be associated with a first logical storage area, the pass-through transfer definition data including a trigger condition for a pass-through transfer and an apportionment value for the pass-through transfer; storing a representation of the pass-through transfer definition data in association with the first logical storage area; detecting a first data transfer to the first logical storage area, the first data transfer representing a transfer of a resource; determining that the first data transfer satisfies the trigger condition; and in response to determining that the first data transfer satisfies the trigger condition: identifying a portion of the resource based on the apportionment value; and initiating a second data transfer.

Partial pass-through data transfer system

The disclosed embodiments include computer-implemented apparatuses and processes that provision, in real-time, targeted recommendations based on decomposed structured messaging data. For example, an apparatus receives a message that includes elements of message data disposed within corresponding message fields. The message data may characterizes a real-time payment requested by a first counterparty from a second counterparty and associated with a first product provisioned to the second counterparty by the first counterparty. Based on elements of message data, the apparatus determines a value of a parameter that characterizes at least one of the second counterparty or a relationship between the second counterparty and the first counterparty, and transmits digital content associated with the parameter value to a device operable by the second counterparty, which presents a portion of the digital content within a digital interface.

Real-time provisioning of targeted recommendations based on decomposed structured messaging data

According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises, a communication module, and a processor coupled to the sensor and the communication module. The ambient commerce system further includes a memory coupled to the processor. The memory stores processor-executable instructions which, when executed, cause the processor to: detect, based on an output of one or more of the sensors, an unauthenticated entity at an ambient commerce premises; receive, from a first independent trusted system and via the communication module, an indication that authentication has been performed by the first independent trusted system for the unauthenticated entity using a first authentication parameter; determine that the entity is an authenticated entity based on the indication that the authentication has been performed and at least a second authentication parameter; and perform an ambient commerce operation for the authenticated entity.

Distributed authentication at a physical premises

According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises. The ambient commerce system may include a processor coupled to the one or more sensors. The ambient commerce system may include a memory coupled to the processor. The memory may store processor-executable instructions which, when executed, cause the processor to: detect, based on an output of one or more of the sensors, engagement of an entity with a restricted item; identify the entity; obtain at least a portion of a profile for the entity; determine, based on the at least a portion of the profile for the identified entity, eligibility for the entity to acquire the restricted item; and selectively generate, based on the determined eligibility for the entity, a notification on an electronic device associated with the entity.

Restricted item eligibility control at ambient commerce premises

The disclosed embodiments include computer-implemented systems and processes that provision targeted alternative product information based on structured messaging data. For example, an apparatus may receive a message that characterizes a real-time payment requested by a first counterparty from a second counterparty, and is associated with a first product provisioned to the second counterparty by the first counterparty. The apparatus may determine that a second product is available to the second counterparty based on the message. Further, the apparatus may transmit notification data to a device operable by the second counterparty. The notification data includes product data characterizing the second product, and causes an application program executed at the device to present at least a portion of the product data within a digital interface. The apparatus also receives a response to the notification data from the device and, based on the response, provisions the second product to the second counterparty.

Methods and computer systems for optimization of computing resources. Obtaining one or more parameters of a resource demand, the one or more parameters including at least a defined date. Identifying, based on a projected demand for a computing resource, a resource optimization opportunity prior to the defined date. Generating a message based on the identification of the resource optimization opportunity. Identifying a second computer system based on the resource demand. Facilitating access to the computing resource prior to the defined date by a transmitting the generated message to the identified second computer system prior to the defined date.

Systems and methods for optimization of computing resources

A computer-implemented method is disclosed. The method includes: receiving transfer parameters associated with a request for a first transfer of resources, the transfer parameters including an identifier of a designated transferor associated with the first transfer; determining that the transferor is eligible to access at least one protected data source based on the transfer parameters; generating a request message for the request including reference data for accessing the at least one protected data source; and providing, to a computing device associated with the transferor, the request message.

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West Chester, PA, United States of America

Jonathan Joseph Prendergast