CPC G06Q 30/0217 (2013.01) [G06Q 20/3223 (2013.01); G06Q 20/326 (2020.05); G06Q 20/389 (2013.01); G06Q 30/0282 (2013.01)] | 24 Claims |
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, via the communications interface and from a computing system operable by a first counterparty, a message associated with an exchange of data involving the first counterparty and a second counterparty, the message comprising elements of message data disposed within corresponding message fields, the message data characterizing a real-time payment requested from the second counterparty by the first counterparty, the message data comprising a uniform resource locator associated with formatted data characterizing the exchange of data, and the formatted data being maintained by a computing system operable by the first counterparty;
based on the uniform resource locator, perform operations that request and receive at least a portion of the formatted data from the computing system via the communications interface;
determine a first identifier of the first counterparty based on the portion of the formatted data, and transmit, via the communications interface, notification data to a device operable by the second counterparty, the notification data comprising the first identifier and digital content, and the notification data causing an application program executed at the device to present the first identifier and at least a portion of the digital content within a digital interface;
receive, from the device via the communications interface, confirmation data indicative of an approval of an execution of the data exchange by the second counterparty and review data indicative of a review associated with the data exchange;
based on the confirmation data, store the first identifier and the review data in the memory and perform operations that execute the data exchange;
receive query data from the device via the communications interface, the query data comprising at least one of a portion of a counterparty identifier, a value of a counterparty characteristic, or a value of a geographic characteristic;
based on the received query data, obtain elements of aggregated review data characterizing one or more prior reviews associated with a plurality of candidate counterparties over a prior temporal interval, each of the elements of aggregated review data comprising an identifier of a corresponding one of the plurality of candidate counterparties, a value of at least one of a corresponding counterparty or geographic characteristic, and an aggregate value representative of the one or more prior reviews associated with the corresponding candidate counterparty over the prior temporal interval, and based on the aggregated review data, determine that a subset of the candidate counterparties are consistent with the query data; and
transmit, to the device via the communications interface, response data that includes at least a portion of the aggregated review data associated with the subset of the candidate counterparties, the device being configured to present a graphical representation of the least a portion of the response data within an additional digital interface.
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