The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jun. 17, 2025
Filed:
Dec. 17, 2021
The Toronto-dominion Bank, Toronto, CA;
Christopher Mark Jones, Villanova, PA (US);
Barry Wayne Baird, Jr., Kennett Square, PA (US);
Claude Bernell Lawrence, Jr., Philadelphia, PA (US);
Jonathan Joseph Prendergast, West Chester, PA (US);
The Toronto-Dominion Bank, Toronto, CA;
Abstract
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.