Patent ID: 11875375
Assignee: THE TORONTO-DOMINION BANK
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 9:
10. The non-transitory, computer-readable medium of claim 9, wherein:
receiving the indication of acceptance associated with the particular partner-related financial product from the device associated with the first customer comprises receiving, via the communications interface, a second signal including the indication of acceptance associated with the particular partner-related financial product selected from the at least one potential partner-related financial products for replacing the current partner-related financial product associated with the first customer; and
automatically modifying the terms or conditions associated with the at least one current financial product to the terms or conditions of the particular partner-related financial product comprises:
identifying at least one term or condition associated with the particular partner-related financial product different than terms or conditions associated with the at least one current financial product, the at least one term or condition including a change to at least one benefit associated with the partner system;
automatically modifying the terms and conditions associated with the at least one current financial product associated with the first customer to correspond with the at least one different identified term or condition associated with the particular financial product, wherein modifying the terms or conditions associated with the at least one current financial product does not change the unique identifier associated with the at least one current financial product being modified and does not require issuance of a new physical card; and

the instructions instruct the computer to:
transmit, via the communication interface, a third signal including an indication of at least one updated benefit associated with the partner system, the at least one updated benefit associated with the particular partner-related financial product.