The Toronto-Dominion Bank

Arlene Lori Maciver

Adrian Bloy

Michael James Taggart

Danielle Marie Mullenax

Sean Michael Mullen

Christiane Jewer

Lance Lucas Leisher

Jeffery Macdonald

Dominic Elia

Sheirline Hanna

Ameya Warty

Stacey-Anne Callender

Javon Tavoy Findlator

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.

Automated solution for loyalty rewards points

Growing community of inventors

Ottawa, Canada

Arlene Lori Maciver