The Toronto-Dominion Bank
DYNAMIC PROVISIONING AND INITIATION OF DATA EXCHANGES BASED ON AGGREGATED CONTEXTUAL INFORMATION

Abstract:

The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, dynamically provision and initiate exchanges of data between network-connected devices and systems based on aggregated contextual information. For example, a network-connected apparatus may obtain (i) first data identifying first exchanges of data initiated during a first temporal interval, (ii) second data identifying a current parameter value of the first data exchanges, and (iii) third data identifying a status of an account involved in the first data exchanges. Based on the first, second, and third data, the apparatus may compute a value indicative of a probability of an initiation of a second data exchange involving the account during a second temporal interval. Further, when the computed value is consistent with an alert criterion, the apparatus may transmit alert data characterizing the second data exchange to a device for display within an interface.