Abstract: The disclosed embodiments include computer-implemented processes that determine, in real time, counterparty geolocation location based on structured messaging data, such as messaging data maintained within message fields of a request-for-payment (RFP) message compliant with the ISO 20022. For example, an apparatus may receive a RFP message that includes message data associated with a transaction involving first and second counterparties, and the RFP message may characterize a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine a geographic position of the first counterparty based the message data, and based on the first geographic position, transmit notification data to a device operable by the second counterparty. The notification data may cause the device to present digital content associated with at least one of the transaction, the first counterparty, or the second counterparty within a digital interface.

Abstract: Systems and methods are provided for receiving a first request to access a first borrowed resource in association with a first account, determining that a second account that is associated with the first account has access to a first owned resource corresponding to the first borrowed resource, and in response to determining that the second account has access to the first owned resource, allowing access to the first borrowed resource via the first account; and restricting the first owned resource via the second account.

Abstract: A computer-implemented method is disclosed. The method includes receiving, from a remote system, a transfer instruction regarding a user account that, if implemented, would result in a resource threshold event in the user account. The system hosting the user account then sends a query message to an external resource system regarding a resource account associated with the user account and receives a response indicating the resource availability level of the resource account. If the resource availability level is sufficient to avoid the resource threshold event, then the system causes the external resource system to re-allocate a quantity of resource from the resource account to the user account and it authorizes and implements the transfer instruction. The external resource system may be a payroll system or an earned wages access system, in some cases, for obtaining early access to earned wages prior to payroll processing.

Abstract: The disclosed embodiments include computer-implemented systems and processes that generate and provision targeted, criteria-specific digital content based on structured messaging data. For example, an apparatus may receive a message associated with a real-time payment requested from a first counterparty by a second counterparty, and the message includes elements of message data characterizing an exchange of data initiated between the first and second counterparties. The apparatus may determine a value of a first parameter of the initiated data exchange based on the elements of message data, and based on a determined inconsistency between the first parameter value and an execution criterion, the apparatus may transmit a notification that includes product data characterizing an available product to a device operable by the first counterparty for presentation within a digital interface.

Abstract: The disclosed embodiments include computer-implemented systems and processes that provision, in real-time, targeted digital content associated with an initiated data exchange based on structured messaging data. For example, an apparatus may receive a message associated with a real-time payment requested from a first counterparty by a second counterparty. The message may include elements of message data disposed within corresponding message fields, and based on at least the elements of message data, the apparatus may generate product data characterizing a product available to the first counterparty and transmit first notification data including digital content associated with the available product and with the data exchange to a first device operable by the first counterparty. Based on response data generated by the first device, the apparatus may perform operations that provision the available product to the first counterparty in accordance with the product data.

Abstract: The disclosed embodiments include computer-implemented systems and processes that generate and provision, in real-time, targeted digital content associated with future data exchanges based on structured messaging data. For example, an apparatus may receive a message associated with a real-time payment requested from a first counterparty by a second counterparty during a first temporal interval. The message includes elements of message data characterizing data exchange involving the first and second counterparties during a second temporal interval disposed subsequent to the first temporal interval, and based on the elements of messaging data, the apparatus may transmit digital content associated with the requested real-time payment and the data exchange to a device operable by the first counterparty. Further, and based on response data generated by the device, the apparatus may transmitting confirmation data associated with the real-time payment to a computing system operable by the second counterparty.

Abstract: Methods and devices are provided for executing a data transfer based on one or more data transfer definitions. A signal representing a data transfer request is received from a first computing device. The data transfer request includes at least an identifier defining what is requested to be transferred. A notification of the data transfer request is sent to a second computing device. An interface including a plurality of interface elements for providing one or more data transfer definitions is sent to the second computing device. The interface includes at least one interface element that is pre-populated based on the data transfer request, and at least one interface element providing an option to define a time of day for a data transfer. The one or more data transfer definitions are received from the second computing device and the data transfer is executed based on the one or more data transfer definitions.

Abstract: The disclosed embodiments include computer-implemented processes that determine, in real time, counterparty geolocation location based on structured messaging data, such as messaging data maintained within message fields of a request-for-payment (RFP) message compliant with the ISO 20022. For example, an apparatus may receive a RFP message that includes message data associated with a transaction involving first and second counterparties, and the RFP message may characterize a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine a geographic position of the first counterparty based the message data, and based on the first geographic position, transmit notification data to a device operable by the second counterparty. The notification data may cause the device to present digital content associated with at least one of the transaction, the first counterparty, or the second counterparty within a digital interface.

Abstract: The disclosed embodiments include computer-implemented systems and processes provision, in real-time, directed product data based on structure messaging data. For instance, an apparatus may receive messages associated with first data exchanges initiated between a first counterparty and second counterparties. Each of the messages may include elements of message data disposed within corresponding message fields that characterize a real-time payment requested from the first counterparty by a corresponding one of the second counterparties. Based on the message data, the apparatus may generate intent data associated with the first data exchanges and predict an occurrence of at least one second data exchange that involves the first counterparty and that is consistent with the intent data.

Abstract: The disclosed embodiments include computer-implemented systems and processes that generate and provision, in real time, directed digital content based on decomposed structured messaging data. For example, an apparatus may receive a plurality of messages that characterize first data exchanges initiated between a first counterparty and second counterparties during a first temporal interval. Each of the messages includes elements of message data associated with a real-time payment requested from the first counterparty by a corresponding one of the second counterparties. Based on the elements of message data, that apparatus may predict an occurrence of a second exchange of data that involves the first counterparty during a second temporal interval, and may transmit notification data that includes product data characterizing an available product associated with the predicted occurrence of the second data exchange to a device operable by the first counterparty for presentation within a digital interface.

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 examples, an apparatus may receive a message associated with an exchange of data involving a first counterparty and a second counterparty. The message may include elements of message data that characterize a real-time payment from the second counterparty to the first counterparty, and based on the elements of message data, the apparatus may determine a value of at least one parameter that characterizes the first counterparty and may obtain elements of peer data that are consistent with at least one parameter value. The apparatus may transmit notification data that includes 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.

Abstract: Methods and devices are provided for executing a data transfer based on one or more data transfer definitions. A signal representing a data transfer request is received from a first computing device. The data transfer request includes at least an identifier defining what is requested to be transferred. A notification of the data transfer request is sent to a second computing device. An interface including a plurality of interface elements for providing one or more data transfer definitions is sent to the second computing device. The interface includes at least one interface element that is pre-populated based on the data transfer request, and at least one interface element providing an option to define a time of day for a data transfer. The one or more data transfer definitions are received from the second computing device and the data transfer is executed based on the one or more data transfer definitions.

Abstract: The disclosed embodiments include computer-implemented processes that determine, in real time, counterparty geolocation location based on structured messaging data, such as messaging data maintained within message fields of a request-for-payment (RFP) message compliant with the ISO 20022. For example, an apparatus may receive a RFP message that includes message data associated with a transaction involving first and second counterparties, and the RFP message may characterize a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine a geographic position of the first counterparty based the message data, and based on the first geographic position, transmit notification data to a device operable by the second counterparty. The notification data may cause the device to present digital content associated with at least one of the transaction, the first counterparty, or the second counterparty within a digital interface.

Abstract: Methods and devices are provided for executing a data transfer based on one or more data transfer definitions. A signal representing a data transfer request is received from a first computing device. The data transfer request includes at least an identifier defining what is requested to be transferred. A notification of the data transfer request is sent to a second computing device. An interface including a plurality of interface elements for providing one or more data transfer definitions is sent to the second computing device. The interface includes at least one interface element that is pre-populated based on the data transfer request, and at least one interface element providing an option to define a time of day for a data transfer. The one or more data transfer definitions are received from the second computing device and the data transfer is executed based on the one or more data transfer definitions.

Abstract: The disclosed embodiments include computer-implemented systems and processes that provision targeted alternative product information based on structured messaging data. For example, an apparatus may receive a message that characterizes a real-time payment requested by a first counterparty from a second counterparty, and is 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. Further, 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 also receives a response to the notification data from the device and, based on the response, provisions the second product to the second counterparty.

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.

Abstract: The disclosed embodiments include computer-implemented apparatuses and processes that provision, in real-time, targeted recommendations based on decomposed structured messaging data. For example, an apparatus receives a message that includes elements of message data disposed within corresponding message fields. The message data may characterizes 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. Based on elements of message data, the apparatus determines a value of a parameter that characterizes at least one of the second counterparty or a relationship between the second counterparty and the first counterparty, and transmits digital content associated with the parameter value to a device operable by the second counterparty, which presents a portion of the digital content within a digital interface.

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.

Abstract: The disclosed embodiments include computer-implemented systems and processes that generate and provision, in real time, targeted product data based on structured messaging data. For example, an apparatus receives message associated with an exchange of data involving a first counterparty and a second counterparty. The message may include elements of message data disposed within corresponding message fields, and characterizing a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine that a product is available to the second counterparty based on one or more of the elements of the message data, and may transmit notification data to a device operable by the second counterparty. The notification data comprising product data characterizing the product, and the first notification data causing an application program executed at the device to present at least a portion of the product data within a digital interface.

Abstract: The disclosed embodiments include computer-implemented apparatuses and processes that provision, in real-time, targeted digital content based on decomposed, structured messaging data. For example, an apparatus may receive a message associated with an exchange of data involving a first counterparty and a second counterparty. The message includes elements of message data disposed within corresponding message fields, and the message data characterizes a real-time payment requested from the second counterparty by the first counterparty. The apparatus may generate intent data associated with the data exchange based on the elements of the message data, and based on the intent data, obtain digital content associated with the data exchange. The apparatus may transmit notification data that includes the digital content to a device operable by the second counterparty, and an application program executed at the device to may present a portion of the digital content within a digital interface.