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. 02, 2026
Filed:
May. 25, 2022
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
Computer-implemented systems and processes may provision, in real-time, targeted, event-specific digital content based on decomposed, structured message data and peer data. For example, an apparatus receives a message associated with an exchange of data involving a first counterparty and a second counterparty. The message may include elements of message data characterizing a real-time payment from the second counterparty to the first counterparty. Based on elements of message data, the apparatus may determine a value of at least one parameter characterizing the first counterparty and use a trained machine-learning or artificial-intelligence process, and may obtain elements of peer data consistent with at least one parameter value. The apparatus may transmit notification data including digital content associated with at least one of the elements of peer data or the at least one parameter value to a device operable by the first counterparty, which may present the digital content within a digital interface.