The Toronto-Dominion Bank
REAL-TIME DETERMINATION OF TARGETED BEHAVIORAL DATA BASED ON DECOMPOSED STRUCTURED MESSAGING DATA

Abstract:

The disclosed embodiments include computer-implemented systems and processes that provision targeted behavioral data based on structured messaging data. For example, an apparatus may obtain elements of decomposed message data that characterize real-time payments associated with a counterparty during a first temporal interval. Based on the elements of decomposed message data, the apparatus may determine a value of a plurality of parameters that characterize the counterparty during the first temporal interval. Further, and based on the elements of decomposed message data and on the parameter values, the apparatus may generate output data indicative of a likelihood of an occurrence of an event during the first temporal interval or a second temporal interval. The apparatus may also transmit notification data to a device operable by the counterparty. The notification data may cause an application program executed at the device to present the portion of the output data within a digital interface.