公开(公告)号：US11935088B2

公开(公告)日：2024-03-19

申请号：US18077916

申请日：2022-12-08

Applicant: The Toronto-Dominion Bank

Inventor： Adrian Bloy ,  Danielle Marie Mullenax ,  Dominic Elia ,  Michael James Taggart ,  Lance Lucas Leisher ,  Arlene Lori Maciver ,  Christiane Jewer ,  Ameya Warty ,  Javon Tavoy Findlator ,  Sean Michael Mullen ,  Stacey-Anne Callender ,  Jeffery Macdonald ,  Sheirline Hanna

IPC: G06Q30/00 ,  G06Q30/0207 ,  G06Q30/0226

CPC classification number: G06Q30/0233 ,  G06Q30/0215

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.

公开(公告)号：US20240202766A1

公开(公告)日：2024-06-20

申请号：US18593413

申请日：2024-03-01

Applicant: The Toronto-Dominion Bank

Inventor： Adrian Bloy ,  Danielle Marie Mullenax ,  Dominic Elia ,  Michael James Taggart ,  Lance Lucas Leisher ,  Arlene Lori Maciver ,  Christiane Jewer ,  Ameya Warty ,  Javon Tavoy Findlator ,  Sean Michael Mullen ,  Stacey-Anne Callender ,  Jeffery Macdonald ,  Sheirline Hanna

IPC: G06Q30/0226 ,  G06Q30/0207

CPC classification number: G06Q30/0233 ,  G06Q30/0215

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.

公开(公告)号：US20240249311A1

公开(公告)日：2024-07-25

申请号：US18593449

申请日：2024-03-01

Applicant: The Toronto-Dominion Bank

Inventor： Adrian Bloy ,  Danielle Marie Mullenax ,  Dominic Elia ,  Michael James Taggart ,  Lance Lucas Leisher ,  Arlene Lori Maciver ,  Christiane Jewer ,  Ameya Warty ,  Javon Tavoy Findlator ,  Sean Michael Mullen ,  Stacey-Anne Callender ,  Jeffery Macdonald ,  Sheirline Hanna

IPC: G06Q30/0226 ,  G06Q30/0207

CPC classification number: G06Q30/0233 ,  G06Q30/0215

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.

公开(公告)号：US11605106B2

公开(公告)日：2023-03-14

申请号：US16156858

申请日：2018-10-10

Applicant: The Toronto-Dominion Bank

Inventor： Adrian Bloy ,  Danielle Marie Mullenax ,  Dominic Elia ,  Michael James Taggart ,  Lance Lucas Leisher ,  Arlene Lori Maciver ,  Christiane Jewer ,  Ameya Warty ,  Javon Tavoy Findlator ,  Sean Michael Mullen ,  Stacey-Anne Callender ,  Jeffery Macdonald ,  Sheirline Hanna

IPC: G06Q30/00 ,  G06Q30/0226 ,  G06Q30/0207

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically providing a lending offer for loyalty points based on a customer account analysis. One example method includes initiating an offer analysis for a customer account associated with a particular customer and storing an account balance and a point deficit balance. The offer analysis determines whether to provide an offer for a point loan, and is based on profile information of the customer, a current point balance, and a reward identified from the loyalty account. If an offer is to be provided, an offer for a loan of points equal to the difference between the current point balance of a loyalty account and the point value cost of the reward is transmitted to a client device of the customer. If accepted, the current point balance and the point deficit are both incremented by the amount of the offer.