US 11,875,375 B2
Modifying existing instruments without modification of unique identifier and immediate benefit availability
Adrian Bloy, Ottawa (CA); Daniel Lam Tin Cheung, Richmond Hill (CA); Asgar Maleki, Toronto (CA); and Michael James Taggart, Ottawa (CA)
Assigned to The Toronto-Dominion Bank, Toronto (CA)
Filed by The Toronto-Dominion Bank, Toronto (CA)
Filed on Mar. 25, 2022, as Appl. No. 17/656,463.
Application 17/656,463 is a continuation of application No. 16/596,004, filed on Oct. 8, 2019, granted, now 11,315,136.
Application 16/596,004 is a continuation in part of application No. 16/157,332, filed on Oct. 11, 2018, granted, now 10,878,398, issued on Dec. 29, 2020.
Prior Publication US 2022/0222699 A1, Jul. 14, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/02 (2023.01); G06Q 30/0226 (2023.01); G06Q 20/22 (2012.01); G06Q 50/14 (2012.01); G06Q 30/0207 (2023.01); G06Q 10/02 (2012.01)
CPC G06Q 30/0229 (2013.01) [G06Q 10/02 (2013.01); G06Q 20/227 (2013.01); G06Q 30/0215 (2013.01); G06Q 50/14 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
a communications interface;
at least one memory storing instructions, a repository storing a plurality of account profiles, and a repository storing data associated with a plurality of partner-related financial products, each account profile associated with a particular customer and associated with at least one current partner-related financial product having a unique identifier associated with the at least one current partner-related financial product, each partner-related financial product associated with a set of terms and conditions, the terms and conditions including at least one benefit associated with a partner system corresponding to the partner-related financial products;
at least one hardware processor interoperably coupled with the at least one memory and the communications interface, wherein the instructions instruct the at least one hardware processor to:
identify at least one triggering event rule for initiating a financial product analysis based on monitoring of at least one event source associated with the partner system for a first customer, wherein the financial product analysis determines whether at least one of the plurality of partner-related financial products is to be offered as a replacement to the at least one current partner-related financial product associated with the first customer;
monitor at least one event source for events associated with the at least one identified triggering event rule, wherein the at least one event source is associated with the partner system, and wherein the events represent partner-related transactions;
in response to identifying an event associated with the at least one identified triggering event rule based on the monitoring of the at least one event source associated with the partner system, access an account profile associated with the first customer to identify account information associated with the first customer;
compare, automatically without user input, the account information associated with the first customer with the plurality of partner-related financial products to automatically identify at least one potential partner-related financial product to be offered to the first customer, wherein the at least one potential partner-related financial product to be offered is associated with a benefit corresponding to the identified event;
in response to automatically identifying the at least one potential partner-related financial product to be offered to the first customer:
generate an offer to be presented at a user interface of a device associated with the first customer, the generated offer including the at least one identified potential partner-related financial product, wherein acceptance of the generated offer causes automatic modification of the terms or conditions associated with the at least one current financial product to the terms and conditions associated with at least one identified potential partner-related financial product without changing the unique identifier associated with the at least one current product being modified and without requiring issuance of a new physical card; and
transmit, via the communications interface, a first signal including the generated offer to the device;
receive an indication of acceptance associated with a particular partner-related financial product from the device associated with the first customer, the indication of acceptance received based on an explicit user selection via the user interface of the device associated with the first customer; and
in response to receiving the indication of acceptance, automatically modify the terms or conditions associated with the at least one current financial product to the terms or conditions of the particular partner-related financial product without changing the unique identifier associated with the at least one current product being modified and without requiring issuance of a new physical card.