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:
Oct. 07, 2025
Filed:
Jul. 12, 2024
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
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.