Inventor
LAWRENCE JR CLAUDE BERNELL
US13 patents
Patents
13 patentsUS12136079B2Nov 5, 2024
Real-time provisioning of targeted recommendations based on decomposed structured messaging data
TORONTO DOMINION BANK11 citations84
US11468443B2Oct 11, 2022
Real-time determination of counterparty geolocation based on structured messaging data
TORONTO DOMINION BANK10 citations84
US12354094B2Jul 8, 2025
Real-time provisioning of directed digital content based on decomposed structured messaging data
TORONTO DOMINION BANK6 citations73
US11907945B2Feb 20, 2024
Real-time determination of counterparty geolocation based on structured messaging data
TORONTO DOMINION BANK2 citations71
US12555090B2Feb 17, 2026
Real-time provisioning of targeted recommendations based on decomposed structured messaging data
TORONTO DOMINION BANK0 citations61
US12437329B2Oct 7, 2025
Real-time provisioning of targeted, alternative product information based on structured messaging data
TORONTO DOMINION BANK0 citations61
US12067606B2Aug 20, 2024
Real-time provisioning of targeted, alternative product information based on structured messaging data
TORONTO DOMINION BANK1 citations61
US12045189B2Jul 23, 2024
Interface for receiving and responding to a request to transfer
TORONTO DOMINION BANK0 citations61
US11487693B2Nov 1, 2022
Interface for receiving and responding to a request to transfer
TORONTO DOMINION BANK0 citations61
US12536520B2Jan 27, 2026
Real-time provisioning of targeted digital content associated with an initiated data exchange based on structured messaging data
TORONTO DOMINION BANK0 citations50
US12511657B2Dec 30, 2025
Systems and methods for processing real-time transfer instructions
TORONTO DOMINION BANK0 citations50
US12333518B2Jun 17, 2025
Real-time reconciliation processing based on structured messaging data
TORONTO DOMINION BANK0 citations50
US12169845B2Dec 17, 2024
Real-time assessment of initiated data exchanges based on structured messaging data
TORONTO DOMINION BANK0 citations50