Patent ID: 11876772
Assignee: THE TORONTO-DOMINION BANK
Field: Digital communication (Electrical engineering)
Classification: CPC H | IPC G  H

Claim 10:
11. A computer-implemented method, comprising:
detecting a trigger condition associated with a resource account data record based on monitoring resource account data record operations in connection with the resource account data record, wherein the resource account data record is associated with a resource account of a recipient entity and the resource account data record defines a quantity of stored value resources that are associated with the recipient entity;
in response to detecting the trigger condition, generating a first message object and a related message object including a same or similar target message as the first message object for the resource account data record, the first message object being associated with at least one compatible access channel and one or more defined rules for evaluating the first message object prior to delivery of the first message object to a recipient entity and the related message object being associated with a second access channel different from the at least one compatible access channel associated with the first message object;
storing the first message object and related message object in the memory, the first message object and related message object being stored in association with a first set of one or more message objects for the resource account data record, wherein the first set defines an order for the one or more message objects;
detecting a resource account data record operation in connection with an account balance via a first access channel; and
in response to detecting the resource account data record operation in connection with the account balance via the first access channel, in real-time:
selecting the first message object from the first set based on a real-time determination that the at least one compatible access channel includes the first access channel via which the resource account data operation is detected; and
causing the at least one message object to be delivered to the recipient entity via the first access channel.