Patent ID: 11935088
Assignee: THE TORONTO-DOMINION BANK
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 16:
17. A computer-implemented method executed by a computer of an offer management system, comprising:
obtaining, by an offer management system and from a loyalty management system, data of a first customer account;
determining, by the offer management system, based on the data of the first customer account that a current point balance is less than a point value cost of a reward;
determining, by the offer management system, that a difference between the current point balance and the point value cost of the reward is within a dynamically adjusted updated threshold range;
determining, by the offer management system, to offer the customer associated with the first customer account a loan of points, wherein the first customer account corresponds to a loyalty account for the customer;
transmitting, to a client device associated with the customer, an offer of a point balance loan for addition of loaned points to a current points balance of the loyalty account;
receiving, by the offer management system from the client device, through a communication channel, an acceptance of the offer;
transmitting, by the offer management system, to a loyalty management system, an instruction to increment the current points balance of the loyalty account associated with the first customer account by the loaned points;
transmitting, by the offer management system to a financial system, an instruction to increment a point deficit balance of the first customer account by loaned points;
detecting, by the offer management system, an end of an account period for the first customer account; and
performing an automatic statement generation process for the first customer account to provide a generated statement, the automatic statement generation process comprising:
automatically, and without receiving any user input, configuring the loyalty management system to increment the current points balance by an amount of loyalty points earned during the account period;
automatically and without user input, configuring the loyalty management system to decrement the current points balance of the loyalty account to reduce the point deficit balance of the first customer account;
automatically and without user input, configuring a statement processor to generate for the first customer account, a statement specifying (1) a current account balance of the first customer account received from the financial system and (2) a current point balance of the loyalty account corresponding to the first customer account received from the loyalty management system; and
in response to detecting that the point deficit balance of the first customer account is non-zero, automatically interrupting, by the statement processor, the automatic statement generation process to insert a value of the point deficit balance into the generated statement.