Real-time provisioning of directed digital content based on decomposed structured messaging data
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.
1. An apparatus comprising:
a communications interface;
a memory storing instructions; and
at least one processor coupled to the communications interface and to the memory, the at least one processor being configured to execute the instructions to:
receive a plurality of messages via the communications interface, each of the messages being associated with a real-time payment requested from a first counterparty by a corresponding second counterparty, and each of the messages comprising elements of message data that are disposed within corresponding message fields, and that characterize a first exchange of data initiated between the first counterparty and the corresponding second counterparty during a first temporal interval;
obtain mapping data associated with the message fields, and for at least a subset of the messages, perform operations that obtain the elements of message data from corresponding ones of the message fields based on the mapping data;
apply a trained machine-learning or artificial-intelligence process to an input dataset comprising one or more of the elements of message data;
based on the application of the trained machine-learning or artificial-intelligence process to the input dataset, generate output data characterizing a predicted occurrence of a second exchange of data that involves the first counterparty during a second temporal interval, the second temporal interval being disposed subsequent to the first temporal interval, and the output data comprising a value of at least one parameter that characterizes the predicted occurrence of the second data exchange during the second temporal interval; and
based on the at least one parameter value, generate product data characterizing a product that is available to the first counterparty and associated with the predicted occurrence of the second data exchange, and transmit, via the communications interface, notification data that includes the product data to a device operable by the first counterparty, the notification data causing an application program executed at the device to present a portion of the product data within a digital interface.
2. The apparatus of claim 1 , wherein the at least one processor is further configured to execute the instructions to:
for each of the messages, perform operations that obtain the elements of message data from corresponding ones of the message fields based on the mapping data; and
store the elements of message data associated with each of the messages within the memory, the elements of message data comprising, for a corresponding one of the messages, a first identifier of the first counterparty, a second identifier of the corresponding second counterparty, and a parameter value characterizing the corresponding first data exchange.
3. The apparatus of claim 1 , wherein:
each of the messages comprises a request-for-payment message, the message fields of each of the request-for-payment messages being structured in accordance with a standardized data-exchange protocol; and
the mapping data comprises elements that identify corresponding ones of the elements of the message data and corresponding ones of the message fields.
4. The apparatus of claim 1 , wherein the at least one processor is further configured to execute the instructions to obtain, based on the mapping data, information associated with the first data exchange from one or more of the message fields of a corresponding one of the messages, the information comprising a uniform resource locator associated with elements of formatted data maintained by a computing system.
5. The apparatus of claim 4 , wherein the at least one processor is further configured to execute the instructions to:
based on the uniform resource locator, perform operations that request and receive one or more of the elements of formatted data from the computing system via the communications interface; and
process the one or more elements of formatted data, and obtain at least one of (i) an additional parameter value characterizing the first data exchange associated with the corresponding message from the processed elements of formatted data or (ii) one or more elements of contextual data that characterize the first data exchange associated with the corresponding message based on the processed elements of formatted data.
6. The apparatus of claim 1 , wherein the at least one processor is further configured to execute the instructions to:
determine an aggregated value of the parameter characterizing the first exchanges of data during the first temporal interval; and
determine that the product is available to the first counterparty based on the first and second aggregated parameter values.
7. The apparatus of claim 1 , wherein the at least one processor is further configured to:
based on one or more of the elements of message data, determine a value of at least one parameter that characterizes the first counterparty, and obtain identifiers of a plurality of peer counterparties characterized by the at least one parameter value;
based on the identifiers, obtain elements of behavioral data associated with the plurality of peer counterparties, the behavioral data characterizing a behavior of one or more of the peer counterparties during the first temporal interval; and
based on the elements of message data and the elements of behavioral data, perform operations that predict an occurrence of a second exchange of data that involves the first counterparty during the second temporal interval.
8. The apparatus of claim 1 , wherein:
the product data comprises a product identifier and information specifying a term or condition of the product;
the notification data comprises an element of digital content associated with the product; and
the notification data causes the executed application program to present at least the portion of the product data and the element of digital content within the digital interface.
9. The apparatus of claim 1 , wherein the at least one processor is further configured to transmit the notification data to the device via the communications interface prior to an execution of at least one of the first exchanges of data initiated between the first counterparty and the corresponding second counterparty.
10. A computer-implemented method, comprising:
receiving a plurality of messages using at least one processor, each of the messages being associated with a real-time payment requested from a first counterparty by a corresponding second counterparty, and each of the messages comprising elements of message data that are disposed within corresponding message fields, and that characterize a first exchange of data initiated between the first counterparty and the corresponding second counterparty during a first temporal interval;
using the at least one processor, obtaining mapping data associated with the message fields, and for at least a subset of the messages, performing operations that obtain the elements of message data from corresponding ones of the message fields based on the mapping data;
applying, using the at least one processor, a trained machine-learning or artificial-intelligence process to an input dataset comprising one or more of the elements of message data;
based on the application of the trained machine-learning or artificial-intelligence process to the input dataset, generating, using the at least one processor, output data characterizing a predicted occurrence of a second exchange of data that involves the first counterparty during a second temporal interval, the second temporal interval being disposed subsequent to the first temporal interval, and the output data comprising a value of at least one parameter that characterizes the predicted occurrence of the second data exchange during the second temporal interval; and
based on the at least one parameter value, generating, using the at least one processor, product data characterizing a product that is available to the first counterparty and associated with the predicted occurrence of the second data exchange, and transmitting, using the at least one processor, notification data that includes the product data to a device operable by the first counterparty, the notification data causing an application program executed at the device to present a portion of the product data within a digital interface.
11. The computer-implemented method of claim 10 , further comprising:
for each of the messages, performing the operations, using the at least one processor, that obtain the elements of message data from corresponding ones of the message fields based on the mapping data; and
storing, using the at least one processor, the elements of message data associated with each of the messages within a data repository, the elements of message data comprising, for a corresponding one of the messages, a first identifier of the first counterparty, a second identifier of the corresponding second counterparty, and a parameter value characterizing the corresponding first data exchange.
12. The computer-implemented method of claim 10 , wherein:
each of the messages comprises a request-for-payment message, the message fields of each of the request-for-payment messages being structured in accordance with a standardized data-exchange protocol; and
the mapping data comprises elements that identify corresponding ones of the elements of the message data and corresponding ones of the message fields.
13. The computer-implemented method of claim 10 , further comprising:
based on the mapping data, obtaining, using the at least one processor, information associated with the first data exchange from one or more of the message fields of a corresponding one of the messages, the information comprising a uniform resource locator associated with elements of formatted data maintained by a computing system;
based on the uniform resource locator, performing operations, using the at least one processor, that request and receive one or more of the elements of formatted data from the computing system; and
using the at least one processor, processing the one or more elements of formatted data, and obtaining at least one of (i) an additional parameter value characterizing the first data exchange associated with the corresponding message from the processed elements of formatted data or (ii) one or more elements of contextual data that characterize the first data exchange associated with the corresponding message based on the processed elements of formatted data.
14. The computer-implemented method of claim 10 , further comprising:
determining, using the at least one processor, an aggregated value of the parameter characterizing the first exchanges of data during the first temporal interval; and
determining, using the at least one processor, that the product is available to the first counterparty based on the first and second aggregated parameter values.
15. The computer-implemented method of claim 10 , wherein:
the computer-implemented method further comprises:
based on one or more of the elements of message data, and using the at least one processor, determining a value of at least one parameter that characterizes the first counterparty, and obtaining identifiers of a plurality of peer counterparties characterized by the at least one parameter value; and
based on the identifiers, obtaining, using the at least one processor, elements of behavioral data associated with the plurality of peer counterparties, the behavioral data characterizing a behavior of one or more of the peer counterparties during the first temporal interval; and
the performing comprises performing operations that predict an occurrence of the second exchange of data during the second temporal interval based on the elements of message data and the elements of behavioral data.
16. A tangible, non-transitory computer-readable medium storing instructions that, when executed by at least one processor, cause the at least one processor to perform a method, comprising:
receiving a plurality of messages, each of the messages being associated with a real-time payment requested from a first counterparty by a corresponding second counterparty, and each of the messages comprising elements of message data that are disposed within corresponding message fields, and that characterize a first exchange of data initiated between the first counterparty and the corresponding second counterparty during a first temporal interval;
obtaining mapping data associated with the message fields, and for at least a subset of the messages, performing operations that obtain the elements of message data from corresponding ones of the message fields based on the mapping data;
applying a trained machine-learning or artificial-intelligence process to an input dataset comprising one or more of the elements of message data;
based on the application of the trained machine-learning or artificial-intelligence process to the input dataset, generating output data characterizing a predicted occurrence of a second exchange of data that involves the first counterparty during a second temporal interval, the second temporal interval being disposed subsequent to the first temporal interval, and the output data comprising a value of at least one parameter that characterizes the predicted occurrence of the second data exchange during the second temporal interval; and
based on the at least one parameter value, generating product data characterizing a product that is available to the first counterparty and associated with the predicted occurrence of the second data exchange, and transmitting, using the at least one processor, notification data that includes the product data to a device operable by the first counterparty, the notification data causing an application program executed at the device to present a portion of the product data within a digital interface.