The Toronto-Dominion Bank
REAL-TIME PREDICTION OF PARAMETER MODIFICATIONS BASED ON STRUCTURED MESSAGING DATA

Abstract:

The disclosed embodiments include computer-implemented apparatuses and processes that predict, in real-time modifications to parameters based on structured messaging data. For example, an apparatus obtains (i) first elements of decomposed message data that characterize real-time payments requested by a first counterparty and (ii) a second elements of decomposed message data that characterize real-time payments requested by one or more second counterparties associated with the first counterparty. The apparatus determines a first value of a parameter of a data exchange based on the first elements of decomposed message data, and determines a second value of the parameter based on the second elements of decomposed message data. Based on the first and second parameter values, the apparatus generates information characterizing a modification to at least the first parameter value during a temporal interval, and transmit notification data that includes the information characterizing the modification to a device operable by the first counterparty.