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

Claim 13:
14. The non-transitory, computer-readable medium of claim 13, wherein applying the point balance loan offer analysis to the first customer account comprises:
obtaining the data from the first customer account and from the loyalty account corresponding to the first customer account;
identify a threshold range against which a difference between the current point balance and a point value cost for at least one reward identified by the customer is compared in evaluating whether to make an offer for a points balance loan; and
dynamically adjusting the threshold range to obtain the dynamically adjusted updated threshold range based on the data obtained from the financial system and the data obtained from the loyalty management system, comprising a frequency of use of the first customer account, past and present spending activity associated with the first customer account, a creditworthiness of the customer, and an age of the first customer account.