The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Mar. 14, 2023
Filed:
Oct. 10, 2018
The Toronto-dominion Bank, Toronto, CA;
Adrian Bloy, Ottawa, CA;
Danielle Marie Mullenax, Gatineau, CA;
Dominic Elia, Etobicoke, CA;
Michael James Taggart, Ottawa, CA;
Lance Lucas Leisher, Ottawa, CA;
Arlene Lori Maciver, Ottawa, CA;
Christiane Jewer, Ottawa, CA;
Ameya Warty, Toronto, CA;
Javon Tavoy Findlator, Toronto, CA;
Sean Michael Mullen, Russell, CA;
Stacey-Anne Callender, Toronto, CA;
Jeffery Macdonald, Ottawa, CA;
Sheirline Hanna, Ottawa, CA;
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.