Patent Publication Number: US-2022222699-A1

Title: Modifying Existing Instruments without Modification of Unique Identifier and Immediate Benefit Availability

Description:
PRIORITY CLAIM 
     This application is a continuation of and claims the benefit of priority to U.S. patent application Ser. No. 16/596,004, filed Oct. 8, 2019, which is a continuation-in-part of U.S. patent application Ser. No. 16/157,332, filed on Oct. 11, 2018 and now issued as U.S. Pat. No. 10,878,398 on Dec. 29, 2020, the contents of which are incorporated by reference herein. 
    
    
     TECHNICAL FIELD 
     The present disclosure relates to computer-implemented methods, software, and systems for automatically modifying a digital instrument type associated with a user without modifying an instrument identifier nor requiring a new physical card to be issued before the modified instrument can be used. 
     BACKGROUND 
     Customers and payment instrument users may currently be associated with cards that provide them with particular benefits, or with particular rates that they were happy with at one time, but may not be best suited for their current situation. 
     To obtain a new card, customers must apply for the additional card in a separate transaction, requiring an additional credit check, a delay in obtaining the benefits associated with a new card, and the need to update all saved and stored transactions with new credit card information. Because the new card is different from the original and unrelated to the original card&#39;s history, customers may have difficulty obtaining historical account information, and may need to review a closed card&#39;s account information to view any activity or information prior to the change-over. 
     In some instances, current solutions allow for minor changes to card information and rates for retention purposes, without a proactive change or recommendation. 
     SUMMARY 
     The present disclosure involves systems, software, and computer-implemented methods for automatically modifying a payment instrument type of a user without modifying a payment instrument identifier. A first example system includes a communications module, at least one memory storing instructions, a repository storing a plurality of account profiles, and a repository storing data associated with a plurality of partner-related products, and at least one hardware processor interoperably coupled with the at least one memory and the communications module. Each account profile is associated with a particular customer and with at least one current partner-related product having a unique identifier associated with the at least one current partner-related product. Each partner-related product is associated with a set of terms and conditions, where the terms and conditions include at least one benefit associated with a partner system corresponding to the partner-related products. 
     The instructions can instruct the at least one hardware processor to receive, via the communications module, a first signal including an indication of acceptance associated with a particular partner-related product selected from a set of potential partner-related products for replacing a current partner-related product associated with a first customer. At least one term or condition associated with the particular partner-related product different than terms or conditions associated with the at least one current product is identified, where the at least one term or condition includes a change to at least one benefit associated with the partner system. The terms and conditions associated with the at least one current product associated with the first customer are automatically modified to correspond with the at least one different identified term or condition associated with the particular product, where modifying the terms or conditions associated with the at least one current product does not change the unique identifier associated with the at least one current product being modified. A third signal including an indication of at least one updated benefit associated with the partner system is transmitted via the communication module, where the at least one updated benefit is associated with the particular partner-related product. 
     Implementations can optionally include one or more of the following features. 
     In some instances, the plurality of partner-related products is a plurality of partner-related financial products, the at least one current partner-related product is at least one current partner-related financial product, and the particular partner-related product is a particular partner-related financial product. In those instances, and prior to receiving the first signal, the instructions can instruct the at least one hardware processor to identify at least one triggering event rule for initiating a financial product analysis for the first customer, where the financial product analysis determines whether at least one of the plurality of partner-related financial products is to be offered as a replacement to the at least one current partner-related financial product associated with the first customer. At least one event source for events associated with the at least one identified triggering event rule is monitored, and, in response to identifying an event associated with the at least one identified triggering event rule, an account profile associated with the first customer is accessed to identify account information associated with the first customer. The account information associated with the first customer is compared with the plurality of partner-related financial products to identify at least one potential partner-related financial product to be offered to the first customer, where the at least one potential partner-related financial product to be offered is associated with a benefit corresponding to the identified event. In response to identifying the at least one potential partner-related financial product to be offered to the first customer, an offer to be presented to a device associated with the first customer is generated, where the generated offer includes the at least one identified potential partner-related financial product, and a second signal including the generated offer is transmitted via the communications module to the device. 
     In those instances, the current financial product can be associated with a first partner-branded payment card, and the selected financial product may be associated with a second partner-branded payment card different than the first partner-branded payment card. The instructions can then instruct the at least one hardware processor to, after modifying the terms and conditions associated with the at least one current financial product, initiate generation of a new physical payment card corresponding to the second partner-branded payment card, where the unique identifier associated with the current partner-related financial product is the same for the new physical payment card. 
     In some of those instances, identifying the at least one potential partner-related financial product to be offered to the first customer comprises identifying a particular trigger event rule triggered in response to monitoring the events, determining, from the plurality of partner-related plurality of partner-related financial products, at least one partner-related financial product associated with the identified trigger event rule, identifying a set of customer requirements associated with each of the at least one partner-related financial products, determining, for each of the at least one partner-related financial product associated with the identified trigger event rule, whether the identified set of customer requirements are met by the first customer based on the account information associated with the first customer, and in response to determining that the identified set of customer requirements are met by the first customer for a particular partner-related financial product, including the particular partner-related financial product in the at least one potential partner-related financial product to be offered to the first customer. 
     In some of those instances, identifying the at least one potential partner-related financial product to be offered to the first customer further comprises generating a customer fit score corresponding to each of the at least one partner-related financial products associated with the identified trigger event rule to be offered to the first customer by applying a customer fit analysis. 
     In some instances, the generated offer can include, for each of the at least one of the identified potential financial products, an identification of particular terms and conditions associated with the potential financial product and an identification of at least one benefit associated with the partner system. 
     In some instances, identifying at least one triggering event rule for initiating a financial product analysis for the first customer can include identifying at least one future transaction from the account information associated with the first customer associated with a triggering event rule, wherein identifying an event associated with the at least one identified triggering event rule includes identifying an event from the partner system associated with the future transaction. In some of those instances, identifying the event associated with the at least one identified triggering event rule can include, in addition to identifying the event from the partner system, identifying a location of the first customer corresponding to a location at which execution of the at least one future transaction is scheduled to occur. In some of those instances, the at least one future transaction can include a scheduled reservation for a flight with an airline, where the identified event from the partner system associated with the future transaction includes a flight delay associated with the scheduled reservation, and the location of the first customer is at an airport from which the flight associated with scheduled reservation is to depart. 
     In some instances, the indication of at least one updated benefit associated with the partner system includes the unique identifier associated with the at least one current product being modified, a loyalty account at the partner system associated with the unique identifier, and the at least one updated benefit associated with the particular partner-related product. 
     Similar operations and processes may be performed in a different system comprising at least one processor and a memory communicatively coupled to the at least one processor where the memory stores instructions that when executed cause the at least one processor to perform the operations. Further, a non-transitory computer-readable medium storing instructions which, when executed, cause at least one processor to perform the operations may also be contemplated. Additionally, similar operations can be associated with or provided as computer-implemented software embodied on tangible, non-transitory media that processes and transforms the respective data, some or all of the aspects may be computer-implemented methods or further included in respective systems or other devices for performing this described functionality. The details of these and other aspects and embodiments of the present disclosure are set forth in the accompanying drawings and the description below. Other features, objects, and advantages of the disclosure will be apparent from the description and drawings, and from the claims. 
    
    
     
       DESCRIPTION OF DRAWINGS 
         FIG. 1  is a block diagram illustrating an example system for automatically modifying a payment instrument type of a user without modifying a payment instrument identifier. 
         FIG. 2  is a flow chart diagram of an example implementation for performing the payment instrument modification described herein. 
         FIG. 3  is a flow chart diagram of an example method for automatically modifying a payment instrument type of a user without modifying a payment instrument identifier in one example implementation. 
         FIG. 4  is a block diagram illustrating an example system for automatically upgrading an existing credit card to a relatively improved benefit card for a partner, and providing that information to the partner system for immediate usage upon acceptance and conversion at the financial institution. 
         FIG. 5  is a flow chart diagram of an example method for automatically modifying a payment instrument type of a user without modifying a payment instrument identifier, wherein the payment instrument type is associated with additional benefits that can immediately be used with the partner system upon acceptance at the financial institution. 
         FIG. 6  illustrates an example use case related to an airline-related partner card upgrade process in response to airline-related events and a customer analysis. 
     
    
    
     DETAILED DESCRIPTION 
     The present disclosure describes various tools and techniques associated with automatically modifying a payment instrument, or card, type of a user without modifying a payment instrument identifier or card number, such as a personal account number (PAN) associated with and linked to the payment instrument. Using the tools described herein, the payment instrument type can be adjusted to fit a user&#39;s demographics, financial history, and other criteria without requiring the user to submit a new application for the new payment instrument type. 
     The present solution allows the bank or financial institution to proactively identify potential changes to credit card types of users without requiring the customer to change their account number. As banks provide various tiers of credit cards, as well as certain branded or co-branded cards, different levels of qualifications and requirements may apply, as well as a potential usefulness of particular benefits of such cards to particular users. In addition to upgrading a card from one tier to the other, many customers may be interested in or could benefit from the ability to change the type of card (e.g., points to cashback), or to change a co-branded card at which particular benefits may be available (e.g., points/percentage off at Nordstrom&#39;s for co-branded card vs. points/percentage off at Amazon with their co-branded card). 
     One example of the benefits that such a change can provide is related to a financial institution-branded card of one payment type (e.g., MBNA MasterCard) to a merchant co-branded card (e.g., Nordstrom MasterCard) based on customer activity and/or an analysis of a customer&#39;s history, including immediate or recent purchases. Such changes to the customer&#39;s card (or payment instrument) can enhance partnerships with co-branding opportunities and provide customer and financial institution-related benefits. Subject to payment network regulations and partnership agreements, the payment network of the card may also change. 
     The financial institution associated with the modified card can use the new tools and system to allow users to maintain their current account information and history, while modifying the card without any of the associated inconveniences normally experienced in a card change, while also reaping significant benefits of a personally-tailored card. As customers have no need to close existing accounts, benefits related to credit bureau scores and evaluations can be realized. Additionally, the customer may save money by avoiding accidental account damage performed while transferring money and funds from a first account type to a second account type. For example, no changes to recurring and automatic payments may need to be made, as they would continue to work as they had before. The only change in the current scenario is to the set of benefits applied to or associated with ongoing and future transactions. In some instances, because the change occurs within a single financial institution, there may be no need for a credit check. Further, benefits of a newly assigned card type may be applied immediately to future transactions, and, in some cases, may be retroactively applied to prior account transactions, including those that were used in part to identify a particular card modification. 
     In some implementations of the present solution, a financial institution can store information on a plurality of accounts, including customer demographics (e.g., age, sex, jobs, etc.), customer-specific transaction histories, and cards (or other payment instruments) already issued to a customer. Each of those cards may be associated with a specific set of terms and conditions, and each card may be associated with a unique identifier, such as a PAN or card number, for example. The financial institution can also store information on a set of other cards and similar financial products available from the financial institution, where each of those cards and financial products are associated with their own respective set of terms and conditions. In some instances, the terms and conditions associated with different cards and products may include requirements a customer must meet to be eligible for the card, a set of benefits that the card provides, and general terms that cover the use and repayment of transactions associated with the card. 
     In response to some action or event, the financial system may determine that a financial product analysis should be performed for a specific customer. That determination may be based on a specifically initiated request from the specific customer, a periodic evaluation of customer accounts, or a specific transaction or set of transactions performed by the customer, either a single transaction or a series of transactions performed over time. The financial product analysis can be used to identify one or more of the plurality of financial products available at the financial institution to one or more of the current financial products (e.g., credit cards) currently issued to and/or used by the customer. 
     The customer&#39;s profile, including customer demographic information, recent transactions, and historical transactions, along with other relevant data, can be used to identify, from the set of other cards and financial products available at the financial institution, one or more particular cards and financial products that could be potential replacements for at least one of the customer&#39;s current cards. In some instances, the change may be based on a better loyalty points system available, a better annual percentage or other rate, a repayment schedule or amount associated with the financial product, or any other suitable information. In some instances, the customer&#39;s demographical information may be used to identify and/or determine cards and financial products used by other customers with similar demographical information to the customer. For example, if other customers in the current customer&#39;s age and salary range have or use a particular financial product, then that product may be recommended as a possible replacement to the customer&#39;s current card. In general, one or more customer fit algorithms can be applied to determine whether a customer fit score determines that a particular potential replacement product should be offered to the customer. 
     Once one or more potential replacement products are identified, offers associated with those products can be presented to the customer. The offers can be transmitted to and presented at a device associated with the customer. In some instances, the offer may be sent to the customer&#39;s mobile device or computer through a user interface, while in other instances the offer may be sent via email. In some instances, the offer may be sent to a point-of-sale or other location, screen, device at which the customer is performing a current transaction, such as when an offer to modify a current card to a co-branded card at a particular merchant at which a transaction is being performed is presented. The presentation of the potential replacement products can also include a visual comparison of the cards themselves, including any new or modified branding or co-branding of the cards. 
     In order to meet governmental regulations and to provide customers with information about the potential cards or instruments they are being offered, a set of terms and conditions associated with the new card may be presented. In some instances, a full set of terms and conditions for the new card or instrument may be presented along with the corresponding offer. In other instances, the financial institution may perform a real-time comparison of the terms and conditions of the current card or instrument to the potential card or instrument in the offer. Based on that comparison, an indication of any changed terms and conditions, including any program or loyalty benefit changes, can be presented. In some instances, the indication of the differences must be reviewed and/or accepted prior to allowing the card or instrument modification to continue. 
     Once an indication of acceptance is received at the financial institution, a backend process can be performed to modify any stored terms and conditions associated with the current financial product to those of the selected financial product. Because the change is performed at the financial institution, the PAN or identifier (e.g., card number) of the current financial product does not need to change. Instead, only those modified terms and conditions as identified need to be changed at the backend system, and can be associated with the current card or financial product, allowing customers to continue using the card in further transactions, including possibly the current transaction, while allowing those transactions to be performed using the updated terms, conditions, and loyalty or other card benefits. 
     After modifying the terms and conditions, an updated physical card or payment instrument may be created and provided to the customer. The new card may be generated remotely and provided to the customer through a mail or delivery service. The new card may reflect any particular branding associated with the new financial product, such as a retailer&#39;s branding, a loyalty or benefits program branding, or any other relevant or associated information of the new product. The new card can include the same identifier as the card it is replacing, ensuring no disruption in use of the now-modified account. 
     In a second solution, a tool can be provided that allows customers and account holders to be notified about better products for the specific customer based on an analysis of the customer&#39;s user account and the customer&#39;s connection to one or more loyalty programs, for instance, of co-branded credit or payment cards. The described solution can monitor customer interactions, transactions, and locations, among other information, to determine when a particular change may be advantageous or of value to the customer, while also potentially providing further value to the card issuer or co-branded partner. In some instances, a current payment card may be identified for an upgrade or change into a better version of a currently co-branded card (e.g., from a Rewards Card to a Platinum Rewards Card.) 
     In one example solution, a card partner (e.g., Amazon, AirCanada, American Airlines, etc.) and/or card provider (e.g., TD Bank, Bank of America, etc.) can identify one or more rules corresponding to particular events performed by a customer, where the occurrence of the event, and in some instances, additional parameters or context, can be determined as an event to trigger a potential credit card change. For example, if a flight or hotel are booked for a trip, an associated rule associated with an airline or hotel provider may be satisfied, and one or more potential card upgrades may be considered and/or offered to the customer. In other instances, location-based actions or events may be identified by the system, and can lead to the trigger or rule associated with a proposed credit card change. For example, arriving at the airport when tied to a prior ticket for a flight may trigger a suggestion to upgrade a standard card to a miles-earning card that may also provide upgraded seats, lounge access, and other similar or related perks determined to be useful or otherwise valuable to the customer. In another example, arriving at a hotel associated with a prior reservation identified in a customer&#39;s transaction history may result in a hotel chain&#39;s card to be suggested, where the upgraded card may be associated with complimentary upgrades, amenities, or other perks. Still further, mobile app or browsing activities performed by a user may trigger one or more upgrade analyses, such as when a particular item is added to an online shopping cart. In response to adding goods to the shopping cart, an analysis may be triggered by the financial institution to determine if particular parameters are met. If so, and if a particular card upgrade or change is determined to be useful, then a suggestion or offer for a new upgraded card may be triggered, where additional cash-back or other perks may be available. 
     In each of these solutions, an offer may be provided to a user device or graphical interface associated with the customer so that the customer can evaluate his or her options and elect to accept (if pre-approved) or apply for the upgraded card option. The application can be evaluated and/or approved, or the pre-approval can be accepted, and the credit card can be updated at the financial institution. In connection with the upgraded credit card, the financial institution can immediately, near immediately, or in time provide information associated with the perks of the upgraded card to the partner system associated with those perks. In some instances, the customer account may already be linked to a loyalty account, such that the notification from the financial institution can include the relevant loyalty account number along with the relevant perks. Using that information, the partner system can update its loyalty information, and can provide the perks associated with the upgrade well prior to the physical card being available to the customer. In some instances, the customer account may not be linked to an existing loyalty account, and the interaction may further include a registration step with the partner system to allow the perks to be obtained. Once the new loyalty account is registered to the customer, the user account can be associated with the new loyalty account for future interactions. 
     In some instances, the rule sets and determinations as to whether a particular partner card upgrade or offer may be of interest can be provided by the partners themselves. Alternatively, the financial institution issuing the cards may evaluate their card options and identify potentially useful and valuable card upgrades to be offered based on their available set of options. Those potential offers can be determined automatically based on an evaluation of each customer and their historical card usage, as well as a machine learning or artificial intelligence-based prediction of likely spending or account usage in the future. 
     Two example use cases are presented herein to provide an illustration of the example benefits that the described solution may provide. In a first use case, the financial institution may be associated with an airline provider for whom they offer a partner card. The second use case may involve a hotel chain associated with the financial institution, and for which a partner card may be used. In each instance, as well as others not described here, the second party, that is the partner system, maintains a loyalty program that can provide or associate particular perks or advantages to customers who have registered with those partner systems. 
     In the first example, an airline loyalty account (e.g., Air Canada or American Airlines) may be linked to a particular credit card product for a customer of a financial institution (FI), or to an existing user account. The airline systems and their loyalty account can be linked to the particular card number and/or user account. Based on purchases in the credit card account, as well as or alternatively based on the user account&#39;s link to the airline system, a booked flight reservation may be identified for the customer. Due to the link between the systems, the airline system may be able to share information about the reservation with the financial institution as the time of departure nears. If the airline identifies or notifies FI of a flight delay, FI&#39;s systems may perform an event triggered analysis to determine whether FI offers any credit card upgrades that may be beneficial to the customer. Events may be associated with particular offers or benefits which can be realized in response to the event. For example, an offer of an upgraded card with private or airline lounge benefits may be identified based on the delayed flight and the possibility that the customer may be interested in an upgrade to increase their comfort during their delay. Based on approval (or pre-approval) for an upgraded card or instrument, FI can identify and generate a new upgrade offer associated with the benefit and the airline system. The upgrade offer can be presented to the customer (e.g., via a mobile app of the FI, or other channels), and, if accepted, the upgrade can be applied at the FI&#39;s systems. In connection with that acceptance, the FI can automatically notify the airline&#39;s systems of the benefit associated with the upgraded card, even where the new card is not yet available. In doing so, the customer&#39;s loyalty account and/or access with the airline can be updated based on the immediate change to the benefits associated with the upgraded card, and the customer can immediately access the lounge benefit based on the card upgrade. 
     In a second example, a hotel (e.g., Hilton) may provide and manage their own loyalty program (e.g., Hilton Honors), and may offer a co-branded card with the FI. The loyalty program may link the customer&#39;s loyalty number with a card or other identifier associated with their account at the FI, including with a particular credit card number. Similarly, the FI may store the loyalty number on the FI&#39;s systems and may associate the loyalty number with a Hilton-branded or co-branded credit card that may be associated with a first set of benefits. When the customer goes to check in at a Hilton with their Hilton-branded credit card, or when they approach their hotel after pre-paying for at least a portion of their stay when booking, an event can be triggered upon arrival or at payment time to determine if an upgrade associated with the Hilton loyalty account is available, as well as whether the customer qualifies for such an upgrade offer. The card upgrade offer may be for a card providing an automatic room upgrade, additional points, discounts, or other amenities and benefits at every stay, which may be a relatively better set of benefits than a current card of the customer. The offer can be presented to the customer before or at check-in (e.g., via mobile notification, email, text, phone call, hotel interface, etc.), and can provide information about the updated card, its cost or requirements, and other disclosures or required information. Once the customer accepts the offer, the FI&#39;s systems can be updated with the new benefits, and a notification can be transmitted from the FI&#39;s systems to the loyalty program&#39;s systems, notifying the loyalty system of the card upgrade and the associated benefits. Based on this notification, the customer can immediately receive the benefit of the card upgrade, again without requiring any waiting for the card to arrive and without friction. 
     In some cases, the card upgrade offers may be made through any channel, but in response to an attempted acceptance, the customer may be pushed to a secure channel for reviewing required disclosures and account information. For example, if an offer comes in through email, a hyperlink may be provided within the email to indicate the customer would like to accept the offer. If activated, the hyperlink can move the customer to a secure web site (e.g., the FI&#39;s web front-end for logging in and reviewing the disclosures and terms) or to the FI&#39;s secure mobile app, among others. 
     In some instances, an identified set of potential upgrades can be identified based on a current customer&#39;s cards, or based on an upcoming event detected by the FI system, such as based on a pre-authorization for a booking in the future (e.g., for a flight or hotel), or based on location-based detections. For cards that relate to the customer (e.g., if the customer has a relatively lower-tier card of the same co-branding), the FI may pre-adjudicate and authorize the upgrades to allow for immediate offer and acceptance when an event rule associated with an upgrade request is met. 
     In some instances, the event triggers associated with an offer may be received from the loyalty account or related system (e.g., a flight delay or change, etc.), while in others, the event trigger may be determined based on the FI&#39;s analysis of a customer account and transactions. For example, temporary authorizations or charges from a particular vendor with whom a card is associated may be used to evaluate whether an upgrade offer is of value, and can initiate an analysis of whether an offer should be made. 
     In some instances, periodic analyses of customer accounts can also be used to determine whether particular offers are of interest to a customer. Big data and other analytical analyses can be performed to identify the potential transactions or customer habits that may make such an upgrade attractive and useful to the customer. As one example, if there are multiple airline reservations each quarter for a customer, an event trigger may be identified in response to a next reservation. 
     In some instances, a determination that an offer should be made for a customer may be made well in advance of the offer actually being presented to the customer. For example, a first determination may be made after a reservation is made with the current credit card. However, the actual offer of the upgraded credit card may be delayed until a particular event or action is detected, such as arriving at the location of the reservation (e.g., airport or hotel) or when an external event occurs (e.g., a flight delay). Those event rules can be predefined or dynamic, and can be modified manually by program administrators, as well as automatically based on additional data and analytics. 
     Turning to the illustrated example implementation,  FIG. 1  is a block diagram illustrating an example system  100  for automatically modifying a payment instrument type of a user without modifying a payment instrument identifier nor requiring a new physical card to be issued before the modifying payment instrument can be used. In general, the system  100  allows the illustrated components to share and communicate information across devices and systems (e.g., card modification system  102  and client  170 , among others, via network  160 ). As described herein, the card modification system  102  may be a cloud-based component or system, while in other instances, non-cloud systems may be used. In some instances, non-cloud-based systems, such as on-premise systems, client-server applications, and applications running on one or more client devices, as well as combinations thereof, may use or adapt the processes described herein. Although components are shown individually, in some implementations, functionality of two or more components, systems, or servers may be provided by a single component, system, or server. 
     As used in the present disclosure, the term “computer” is intended to encompass any suitable processing device. For example, card modification system  102  and client  170  may be any computer or processing device such as, for example, a blade server, general-purpose personal computer (PC), Mac®, workstation, UNIX-based workstation, or any other suitable device. Moreover, although  FIG. 1  illustrates a single card modification system  102 , the system  102  can be implemented using a single system or more than those illustrated, as well as computers other than servers, including a server pool. In other words, the present disclosure contemplates computers other than general-purpose computers, as well as computers without conventional operating systems. Similarly, the client  170  may be any system that can request data and/or interact with the card modification system  102 . The client  170 , also referred to as client device  170 , in some instances, may be a desktop system, a client terminal, a point-of-sale (POS), or any other suitable device, including a mobile device, such as a smartphone, tablet, smartwatch, or any other mobile computing device. In general, each illustrated component may be adapted to execute any suitable operating system, including Linux, UNIX, Windows, Mac OS®, Java™, Android™, Windows Phone OS, or iOS™, among others. The client  170  may include one or more specific applications executing on the client  170 , or the client  170  may include one or more Web browsers or web applications that can interact with particular applications executing remotely from the client  170 , such as the financial application  108  and the financial offer engine  110 . 
     The card modification system  102  may be associated with the one or more cloud-based applications or platforms and may be associated with or a part of a cloud platform. As illustrated, the card modification system  102  includes or is associated with interface  104 , processor(s)  106 , the financial application  108 , the financial offer engine  110 , and memory  124 . The interface  104  is used by the card modification system  102  for communicating with other systems in a distributed environment—including within the environment  100 —connected to the network  160 , e.g., client  170 , one or more retailers, or points-of-sale, etc., and other systems communicably coupled to the illustrated card modification system  102  and/or network  160 . Generally, the interface  104  comprises logic encoded in software and/or hardware in a suitable combination and operable to communicate with the network  160  and other components. More specifically, the interface  104  may comprise software supporting one or more communication protocols associated with communications such that the network  160  and/or interface&#39;s hardware is operable to communicate physical signals within and outside of the illustrated environment  100 . Still further, the interface  104  may allow the card modification system  102  to communicate with the client  170  and/or financial transaction systems (e.g., retailers, point-of-sales (POSs), credit card and financial processing systems, and others, to obtain and/or provide information regarding one or more transactions. Based on this information, the card modification system  102  can obtain and analyze received information about transactions and particular customers. 
     Network  160  facilitates wireless or wireline communications between the components of the environment  100  (e.g., between the card modification system  102 , the client(s)  170 , etc.), as well as with any other local or remote computers, such as additional mobile devices, clients, servers, or other devices communicably coupled to network  160 , including those not illustrated in  FIG. 1 . In the illustrated environment, the network  160  is depicted as a single network, but may be comprised of more than one network without departing from the scope of this disclosure, so long as at least a portion of the network  160  may facilitate communications between senders and recipients. In some instances, one or more of the illustrated components (e.g., the card modification system  102 ) may be included within or deployed to network  160  or a portion thereof as one or more cloud-based services or operations. The network  160  may be all or a portion of an enterprise or secured network, while in another instance, at least a portion of the network  160  may represent a connection to the Internet. In some instances, a portion of the network  160  may be a virtual private network (VPN). Further, all or a portion of the network  160  can comprise either a wireline or wireless link. Example wireless links may include 802.11a/b/g/n/ac, 802.20, WiMax, LTE, and/or any other appropriate wireless link. In other words, the network  160  encompasses any internal or external network, networks, sub-network, or combination thereof operable to facilitate communications between various computing components inside and outside the illustrated environment  100 . The network  160  may communicate, for example, Internet Protocol (IP) packets, Frame Relay frames, Asynchronous Transfer Mode (ATM) cells, voice, video, data, and other suitable information between network addresses. The network  160  may also include one or more local area networks (LANs), radio access networks (RANs), metropolitan area networks (MANs), wide area networks (WANs), all or a portion of the Internet, and/or any other communication system or systems at one or more locations. 
     The card modification system  102  also includes one or more processors  106 . Although illustrated as a single processor  106  in  FIG. 1 , multiple processors may be used according to particular needs, desires, or particular implementations of the environment  100 . Each processor  106  may be a central processing unit (CPU), an application specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or another suitable component. Generally, the processor  106  executes instructions and manipulates data to perform the operations of the card modification system  102 . Specifically, the processor  106  executes the algorithms and operations described in the illustrated figures, as well as the various software modules and functionality, including the functionality for sending communications to and receiving transmissions from clients  170 , as well as to other devices and systems. Each processor  106  may have a single or multiple cores, with each core available to host and execute an individual processing thread. Further, the number of, types of, and particular processors  106  used to execute the operations described herein may be dynamically determined based on a number of requests, interactions, and operations associated with the card modification system  102 . 
     Regardless of the particular implementation, “software” includes computer-readable instructions, firmware, wired and/or programmed hardware, or any combination thereof on a tangible medium (transitory or non-transitory, as appropriate) operable when executed to perform at least the processes and operations described herein. In fact, each software component may be fully or partially written or described in any appropriate computer language including C, C++, JavaScript, Java™, Visual Basic, assembler, Peri®, any suitable version of 4GL, as well as others. 
     The card modification system  102  can include, among other components, several applications, entities, programs, agents, or other software or similar components capable of performing the operations described herein. As illustrated, the card modification system  102  includes or is associated with a financial application  108  and a financial offer engine  110 . The financial application  108  may be any application or program associated with or connected to a financial institution and can include applications linking the card modification system  102  to the information stored at the financial institution. In some instances, the financial application  108  may be an end-to-end financial application, and the financial offer engine  110  and the card modification system  102  as a whole may be a portion thereof. The financial application  108  in the current description provides an application through which the card modification engine  102  can obtain information about transactions performed by one or more customers, can use that information to evaluate potential card modifications, and can interact with a client  170  (e.g., via queries, interactive messages, and user inputs) to obtain approval for and actuate the card modifications based on the described analysis. 
     The financial offer engine  110  may be associated with or can include an offer management system used to analyze financial data and determine one or more offers satisfying a current context. After determining those offers, the financial offer engine  110  can present the offers to the one or more customers, and, in response to acceptance of those offers, update one or more customer and financial accounts. As illustrated, the financial offer engine  110  includes a plurality of components, although some or all may be included in the inherent functionality of the financial offer engine  110 , provided as a separate component from the financial offer engine  110 , or included in one or more of the other components. The illustrated financial offer engine  110  includes an account analyzer  112 , a cluster analysis module  114 , a card comparison module  116 , an offer engine rule analyzer  118 , an offer presentation module  120 , and a card modification engine  122 . These components combine to perform the operations associated with the card modification system  102 , although alternative, additional, or combined components may perform the operations in other instances or implementations. Specifically, one or more programs, applications, or other components may perform combinations of the functionality described herein, and are not meant to require separate or disparate components. Further, while the functionality of the financial offer engine  110  is described separately, multiple functions may be combined and performed by a single component, while other functions may be separated and performed by two or more components, where those separate functions may be performed individually or in combination with one another. 
     The account analyzer  112  can perform analyses of transactions and information associated with a particular customer account  126 , and can be used to determine when, or if, a card modification analysis should be performed. The account analyzer  112  can determine that a card modification analysis should be performed in response to an explicit request received from the client  170 , in some instances. In other instances, the account analyzer  112  may apply one or more analysis trigger rules  156  to determine when the card modification analysis should be performed. In some instances, the analysis trigger rules  156  may include rules associated with individual transactions or events. For example, the card modification analysis could be triggered after a particular transaction is performed at a retailer or merchant above a certain threshold transaction amount. In some instances, triggers for the individual transactions may be associated with retailers or merchants who are associated with one or more financial products (e.g., cards  148 ) including in a financial institution&#39;s financial card catalog  146 . Based on a particular amount spent at the particular retailer or merchant, the corresponding analysis trigger rule  156  can be met. By doing so, a large transaction at a merchant or retailer can be performed with a modified card during or in association with a checkout process, where the modified card is associated with a loyalty program or set of benefits that are related to the current transaction. In other instances, the analysis trigger rules  156  may include rules associated with a cumulative amount or number of transactions. For example, if a certain threshold amount has been spent on groceries by a customer over a period of time, the card modification analysis can be triggered. Alternatively, the threshold amount spent over a period of time may be specific to a particular retailer, to a particular category of transactions, or based on any other suitable factor. In other instances, if a certain threshold number of transactions have been performed by the customer in general, of a certain type or associated with a certain category of goods or services, or with a particular retailer or merchant, then the card modification analysis can be triggered. Any suitable triggering rules may be used. In still other instances, the trigger rules may include rules for periodic customer account analyses, where the card modification analysis is performed at recurring or determined intervals. 
     The cluster analysis module  114  can be used to compare a particular customer account to one or more other customer accounts based on similarities between the accounts. In some instances, the cluster analysis module  114  can be used to identify a particular set of customer profiles and demographical information  138 , where that information is used to identify a corresponding group of customer accounts  126  with similar profiles and demographics. For example, a married customer living in Texas with an average annual income of $75,000 and a particular set of accounts may be in a similar position to other similarly situated customers. By comparing information of those other customer accounts  126  with the account  126  of the particular customer, an identification of current cards  142  held by those other customers can be identified an included in a card modification analysis. The cluster analysis module  114  may also perform an analysis to determine when other similar customers are performing or requesting card modifications. Based on that information, the cluster analysis module  114  or another component can update particular rules from the analysis trigger rules  156 . The updates may be associated with the particular customer or a larger set of customers. 
     The card comparison module  116  can perform a comparison of one or more available cards  148  included in the financial card catalog  146 . The financial card catalog  146  can store information associated with and defining a plurality of financial products. While described in  FIG. 1  as cards (e.g., credit, debit, or charge cards), any suitable financial product may be used in the present solution. For each card  148  included in the financial card catalog  146 , a set of card requirements  150 , a set of card terms and conditions  152 , and information about the card type  154  can be stored, along with any other relevant information. The card requirements  150  can provide information defined by the financial institution or card provider as to which customers may be eligible for particular cards or financial products. For example, a first card may include a minimum credit score, a minimum yearly income amount, a minimum debt-to-income ratio, or any other suitable card requirements. The card requirements may be the same as card requirements for initial application. The card terms  152  can include a set of terms identifying interest rates, repayment requirements, card benefits, and any other term or condition information associated with the card, including arbitration clauses, restrictions in uses of the cards, etc. The card benefits may identify one or more loyalty programs associated with the customer, which may also be identified in the card requirements  150  in cases where the card  148  requires that the customer be a member of the loyalty program before allowing the card  148  to be applied for or used. 
     The card comparison module  116  can identify one or more potential cards  148  that may be offered to the particular customer based on the card requirements  150 . In some instances, the card comparison module  116  may provide or perform a customer fit analysis on the customer information included in the customer account  126  to determine whether one or more of the cards  148  comprises a fit for the customer. In some instances, the customer fit analysis can take particular aspects of the customer account and compare or analyze how those aspects match up or correspond to particular attributes of one or more cards  148 . For example, a customer fit algorithm can be executed for each of the financial products or cards to generate, for example, a customer fit score. The score may be based on a point scale (e.g., 1-10, 1-100, etc.) or any other ranking system. Various customer fit algorithms may be applied, including algorithms based on a customer&#39;s transaction history  130 , account status  128  (e.g., pending balance, zero balance, etc.), customer profile or demographics  138 , current loyalty programs  140  of which the customer is associated, as well as the current cards  142  to which the customer has been issued. Any suitable customer fit algorithm may be performed. Alternatively, the card comparison module  116  can generate a benefit analysis based on the customer&#39;s prior transactions and/or based on the impact to the customer if the current activity of the customer remains similar. The benefit analysis can generate a benefit score which may provide an expected relative benefit to a current card  142  or an expected absolute benefit (e.g., $500 more in money back, 20000 more reward points, etc.) based on the analysis. 
     An offer engine rule analyzer  118  can be separate from or a part of the card comparison module  116  and can analyze one or more card modification threshold rules  158  in light of the customer fit analyses and scores generated by the card comparison module  116 . The card modification threshold rules  158  can identify particular customer fit scores or benefit analyses, which may be required to be met prior to a particular new card to be presented as an option to the particular customer. For example, if a customer fit analysis generates scores on a scale between 0 and 10, only scores above a 7 may be considered as worthy of including in an offer to the customer. In some instances, a customer fit analysis may be performed on the current card or cards  142  of the particular customer. In those instances, the card modification threshold rules  158  may determine that any potential cards  148  with scores better than the current card(s)  142  may be included in an offer to the particular customer. The offer engine rule analyzer  118  can identify, after its analysis, which of the potential cards  148  should be provided to the customer for consideration in a card modification. 
     The offer presentation module  120  can be used to present a particular offer to the customer. In some instances, the offer can be generated by the presentation module  120 , formatted for presentation to the customer, and transmitted via interface  104  and the financial offer engine  110  or the financial application  108  to the client  170  associated with the customer. In some instances, the offer presentation module  120  may be provided where the presentation of the offer is via a web page or a particular client application executing on the client  170 . The offer presentation module  120  may generate the offer based on the information received from the offer engine rule analyzer  118 , and can pull relevant information from the financial card catalog  146  associated with those particular cards  148  to be offered. The offer presentation module  120  can generate an actionable offer, where the particular customer can interact with the presentation to select one of the particular cards  148  for card modification. The offer presentation module  120  may be able to provide the offer for presentation and interaction at the client  170 , including via a client application associated with the financial application  108  (e.g., a banking or financial mobile app), or through a mobile browser accessing the financial application  108  and/or the financial offer engine  110 . In some instances, the offer presentation module  120  can present some or all of the card terms  152  of the card(s)  148  included in the offer. In some instances, the terms and disclosures may be provided or made available with the offer. In other instances, only those terms  152  which differ from the terms  144  of the current card  142  may be presented with the offer. In still other instances, the full or partial set of terms  152  associated with the offered cards  148  may only be presented after an indication that a particular card  148  has been selected by the particular customer from the offer. In those instances, prior to enacting the selected modification, a set of terms and disclosures from the card terms  152  can be provided to the customer via the offer presentation module  120 . Any presentation and acceptance of the new card terms  152  can be performed in accordance with any financial laws or regulations of the local and national jurisdictions in which the card modification process is occurring or relates. 
     In response to receiving a selection of a particular card  148  from the offer, and after reviewing and accepting any particular terms and disclosures of the selected card  148 , the selection can be provided to the card modification engine  122 . The card modification engine  122  can perform the operations associated with updating the terms  144  of the current card  142  to correspond to the card terms  152  of the selected card  148 . In the update, however, any particular identifier (e.g., PAN, card number, etc.) will be maintained such that the existing card  142  can continue to be used by the customer. To do so, the set of terms  144  associated with the current card  142  being modified can be adjusted to match the card terms  152  of the selected card  148 . In some instances, the card comparison module  116  can perform the comparison and identify one or more terms  144  that should be changed. The card modification engine  122  can perform those changes as associated with the customer account  126  and its current card  142 , such that an updated set of terms  144  of the current card  142  matches the card terms  152  as indicated in the financial card catalog  146 . If the card  148  corresponds to any particular loyalty programs, the card modification engine  122  can also update any links from the current card  142  to the particular loyalty programs  140  associated with the selected card. 
     In some instances, the card modification engine  122  may also generate and transmit an instruction to have a new physical card associated with the updated current card  142  created and provided to the particular customer. The card modification engine  122  may correspond, for example, with the financial application  108  to request the new physical card, where the financial application  108  can provide or direct that request to an appropriate department at the financial institution. 
     Memory  124  of the card modification system  102  may represent a single memory or multiple memories. The memory  124  may include any memory or database module and may take the form of volatile or non-volatile memory including, without limitation, magnetic media, optical media, random access memory (RAM), read-only memory (ROM), removable media, or any other suitable local or remote memory component. The memory  124  may store various objects or data, including financial data, user and/or account information, administrative settings, password information, caches, applications, backup data, repositories storing business and/or dynamic information, and any other appropriate information associated with the card modification system  102 , including any parameters, variables, algorithms, instructions, rules, constraints, or references thereto. Additionally, the memory  124  may store any other appropriate data, such as VPN applications, firmware logs and policies, firewall policies, a security or access log, print or other reporting files, as well as others. While illustrated within the card modification system  102 , memory  124  or any portion thereof, including some or all of the particular illustrated components, may be located remote from the card modification system  102  in some instances, including as a cloud application or repository, or as a separate cloud application or repository when the card modification system  102  itself is a cloud-based system. In some instances, some or all of memory  124  may be located in, associated with, or available through one or more other financial systems of the associated financial institution. In those examples, the data stored in memory  124  may be accessible, for example, via the financial application  108 . 
     As illustrated and previously described, memory  124  includes the plurality of customer accounts  126 , the financial card catalog  146 , the set of analysis trigger rules  156 , and the card modification thresholds  158 . Each customer account  126  can store information with one or more current cards  142 , including information identifying the particular terms  144  that are associated with those cards. Based on those terms  144 , which may include any associated benefits, rates, and other information associated with the corresponding card  142 , transactions entered into by the customer using a particular card  142  can be processed and managed. The transaction history  130  of the customer account  126  can identify various transactions, with each transaction including information on an amount  132  of a particular transaction, a location  134  of the transaction, and a party or merchant  136  associated with the transaction. The customer profile and demographics  138  can provide information describing the particular customer associated with the customer account  126 . The account status  128  of the customer account  126  can provide or detail information related to current balances, late fees, and other relevant information about the status of the particular customer account  126 . The loyalty programs  140  can identify the particular loyalty programs to which the customer account  126  is associated, and may include links to or associations with one or more current cards  142 . 
     As illustrated, one or more clients  170  may be present in the example system  100 . Each client  170  may be associated with one or more customer accounts  126 , either as a client device at which the customer of the customer account  126  is linked, or as a client device through which the particular customer accesses financial information and can interact with one or more offers for card modification. As illustrated, the client  170  may include an interface  172  for communication (similar to or different from interface  104 ), at least one processor  174  (similar to or different from processor  106 ), a graphical user interface (GUI)  176 , a mobile wallet application  178 , and a memory  180  (similar to or different from memory  124 ). 
     The illustrated client  170  is intended to encompass any computing device such as a desktop computer, laptop/notebook computer, mobile device, smartphone, personal data assistant (PDA), tablet computing device, one or more processors within these devices, or any other suitable processing device. In general, the client  170  and its components may be adapted to execute any operating system, including Linux, UNIX, Windows, Mac OS®, Java™, Android™, or iOS. In some instances, the client  170  may comprise a computer that includes an input device, such as a keypad, touch screen, or other device(s) that can interact with one or more client applications, such as one or more dedicated mobile applications, including a mobile wallet application  178 , and an output device that conveys information associated with the operation of the applications and their application windows to the user of the client  170 . Such information may include digital data, visual information, or a GUI  176 , as shown with respect to the client  170 . Alternatively or in addition, the client  170  may allow for voice presentations and voice interactions to be performed, such as by presenting information or options via a speaker, and then receiving responsive input via a microphone of the client  170 . Specifically, the client  170  may be any computing device operable to communicate with the card modification system  102 , other clients  170 , and/or other components via network  160 , as well as with the network  160 , using a wireline or wireless connection. In general, client  170  comprises an electronic computer device operable to receive, transmit, process, and store any appropriate data associated with the environment  100  of  FIG. 1 . 
     The client applications executing on the client  170  may include any suitable application, program, mobile app, or other component. Client applications can interact with the financial institution applications (e.g., financial application  108 ) and the card modification system  102  via network  160 . In some instances, the client application may be a web browser, where the functionality of the client application may be realized using a web application or website the user can interact with via the client application. In other instances, the client application may be a remote agent, component, or client-side version of the card modification system  102 , financial institution, or another component. In some instances, the client application may interact directly with the card modification system  102  or portions thereof. The client application may be used to initiate or trigger a card modification analysis based on user input, and/or may be used to present information associated with the operations of the card modification analysis after it is triggered. 
     GUI  176  of the client  170  interfaces with at least a portion of the environment  100  for any suitable purpose, including generating a visual representation of any particular client application, the mobile wallet application  178 , and/or the content associated with any components of the card modification system  102 . In particular, the GUI  176  may be used to present results of a card modification analysis, including providing one or more offers to the customer at the client  170 , as well as to otherwise interact and present information associated with one or more applications. GUI  176  may also be used to view and interact with various web pages, applications, and web services located local or external to the client  170 . Generally, the GUI  176  provides the user with an efficient and user-friendly presentation of data provided by or communicated within the system. The GUI  176  may comprise a plurality of customizable frames or views having interactive fields, pull-down lists, and buttons operated by the user. In general, the GUI  176  is often configurable, supports a combination of tables and graphs (bar, line, pie, status dials, etc.), and is able to build real-time portals, application windows, and presentations. Therefore, the GUI  176  contemplates any suitable graphical user interface, such as a combination of a generic web browser, a web-enable application, intelligent engine, and command line interface (CLI) that processes information in the platform and efficiently presents the results to the user visually. 
     The mobile wallet application  178  may be an application associated with a mobile wallet, and can be used, along with memory  180  (which may be similar to or different from memory  124 ), to store a set of wallet data  182 . The set of wallet data  182  can include information about one or more cards and/or accounts, including card  1   184  and card n  186 . Each of those cards may be associated with a particular account identifier (e.g., a card number, a PAN, etc.), where the card number can be used by the mobile wallet application  178  to engage in and complete one or more transactions using the client  170 . In the present solution, the wallet data  182  may not be changed or modified after the card modification analysis and card modification operations are performed to update the terms  144  associated with a particular card  142 . In particular, the account identifier of the cards  184 ,  186  stored in the wallet may remain the same, allowing the customer to continue using the cards for transactions after the modification is made. In some instances, an image associated with the cards may change based on the card modification, but otherwise the stored card information can be used without modifying the card number or other identifier. 
     While portions of the elements illustrated in  FIG. 1  are shown as individual modules that implement the various features and functionality through various objects, methods, or other processes, the software may instead include a number of sub-modules, third-party services, components, libraries, and such, as appropriate. Conversely, the features and functionality of various components can be combined into single components as appropriate. 
       FIG. 2  is a flow chart diagram of an example implementation for performing the payment instrument modification described herein. Method  200  as illustrated provides an example series of interactions between a client device  201  associated with the customer and a financial system  202  which may be associated with an offer module managing a card modification operation. 
     At  210 , a customer can perform a transaction or interaction where a card modification analysis is initiated. In some instances, the interaction may be a specific request from the customer to perform a card modification analysis, while in other instances, the transaction may be a normal transaction, such as an action associated with a purchase, or actions associated with an account login. Information about the interaction can be monitored and analyzed at  215  by the financial system  202  to determine whether to initiate the analysis. Where the transaction is a specific request to perform the card modification analysis, the determination at  215  can move to  220 . In some instances, the transaction itself may trigger the analysis (e.g., a transaction of a particular size or amount), while in others the transaction when combined with one or more previously performed transactions may trigger the analysis (e.g., where a threshold number of transactions are performed after the current transaction, or where a threshold overall amount has been included in a plurality of transactions). Any number of card modification analysis triggers may exist, such that different types of interactions and transactions cause the card modification analysis to be performed. Further, in some instances, automatic and periodic account reviews may trigger the analysis without regard for a particular transaction or request from the client device  201 . If the determination is made that no card modification analysis is to be made, method  200  can complete the transaction and end at  270 . 
     At  220 , a current card associated with the analysis can be identified. In some instances, the current card may be a card used in a transaction at  210 . Identifying the current card may include identifying or accessing a set of current card terms associated with the current card. At  225 , a set of customer account information can be accessed, where that information may relate to any suitable information to be used in the card modification analysis. Relevant information can include, but is not limited to, information regarding a creditworthiness of the customer, a current set of cards and credit limits and spending abilities on the available cards, a set of loyalty programs to which the customer is associated or enrolled, current balances on the current card and/or one or more other cards, and information regarding one or more historical or other prior transactions (e.g., transaction amounts, locations, parties, frequency of transactions, etc.), among others. In some instances, demographic information associated with or at least partially defining or classifying the customer may be accessed. The information can, in some instances, also identify a particular cluster or peer group in which the customer falls or has been classified. The cluster or peer group can represent a set of one or more similar customers (e.g., based on age, location, occupation, salary range, etc., or a combination thereof). 
     At  230 , one or more cards available to the customer can be identified. In some instances, each of the cards available to the financial system  202  to be offered to the customer may be associated with one or more card requirements. At  230 , the information associated with or about the customer can be used to identify any particular cards, which the customer may not be eligible for based on the requirements, or alternatively, those sets of cards for which the customer may be eligible. Of all possible cards or payment instruments that can be issued by the financial institution associated with financial system  202 , a subset of those cards are identified as potential recommended cards for the current customer at  230 . 
     At  235 , a determination is made as to whether at least one of the alternative cards from the subset of those cards (identified at  230 ) may be a possible replacement with which to perform card modification for the customer and their current card. The determination as to whether one of the cards may be a possible replacement may take many forms and algorithms. In one instances, a customer fit analysis can be performed for each of the potential cards that are available for the customer. The customer fit analysis can generate a customer fit score for each of the cards. In some instances, the customer fit analysis can determine whether the benefits and terms associated with a particular potential card match or correspond to the spending habits or history of the customer, or match or correspond to a card that is likely to be of interest to a customer of the same demographics (e.g., based on the clustering or peer group consideration). If any of the customer fit scores exceed an offer threshold, then those cards may be considered possible replacements, and method  200  can continue to  240 ; otherwise, if no possible replacements exist, method  200  can end at  270 . In some instances, a customer fit score may also be performed for the customer&#39;s current card(s). If the customer fit score for the current card exceeds the customer fit score for a potential alternative card, then that potential alternative card may be discarded. It will be understood by persons of skill in the art that any suitable algorithm or method of determination as to whether a particular potential card represents a possible alternative can be used. Further, in some instances, the determination that a particular set of cards are available to the customer at  230  may be the at least one alternative determined in  235 , where no further consideration or analysis is required before the offer is generated at  240 . In some instances, however, a subset of the potential cards may be identified as possible replacements for card modification. In one such example, 10 cards may be suitable for the customer, but settings associated with the process may determine that only a subset of those cards should be offered to the customer. This paring of potential cards may be based on a maximum number of results to be provided, an identified separation in the relative scoring or comparison of the cards during the analysis of  235  (e.g., 4 customer fit scores in the 8+ score range, while the other cards have customer fit scores in the 5 and below range; in such instances, only the former may be offered or identified as possible replacements). 
     At  240 , the financial system  202  (or offer module) can generate an offer for presentation to the client through a suitable interface, and can include the particular cards identified at  235  to the client  201  for review by the customer. The offer may include highlighted benefits of the potential cards based on the performed analysis. In some instances, the offer may also include or link to one or more of the terms or conditions of the particular cards included in the offer. In some instances, the offer may embed, link, or otherwise include mechanisms to allow the customer to select, via a user interface, particular cards for card modification. In some instances, a chart or illustration comparing the possible replacement cards to the current card may be included in the offer. 
     After transmission to the client device  201 , at  245  the offer can be presented to the customer, such as through a user interface. At  250 , the user may select or identify a particular one of the possible replacement cards included in the offer for acceptance in the card modification. The selection can be transmitted to the financial system  202 , where at least any modified terms and conditions associated with the selected card (as compared to the current card) can be identified and transmitted to the client device  201  for acceptance. In some instances, all of the terms and conditions of the selected card may be provided at  255 . In some instances, the modified or entire set of terms and conditions may be provided to the client device  201  initially with the offer, where, in response to the received selection of  250 , the terms and conditions of the selected card can be available without an additional round-trip. 
     At  260 , the terms and conditions associated with the selected card can be presented to the customer, along with any required disclosures, and the acceptance of the terms, conditions, and disclosures can be received. Any governmental requirements for acceptance of the terms and conditions can be met by  260  and the other operations of method  200 . Once the acceptance is received, the client device  201  can notify the financial system  202 . 
     In response to receiving notification of the selection of the particular card and the acceptance of the relevant terms and conditions, the financial system  202  can, at  265 , perform a modification of the card terms associated with the current card to those of the selected card. Because the card is managed by the financial system, the unique card identifier of the current card can remain the same after the modification of the card terms and information, allowing the customer to use a current physical card associated with the unique identifier to remain valid. The card modifications can be performed on the backend, such that any future transactions performed with the card will continue to work, but will be processed on the backend corresponding to the updated terms and conditions of the selected card. In some instances, only the modified terms may be updated on the backend. In some instances, the change may be as simple as a change to a rate of a card, a particular rewards or loyalty program associated with future transactions with the card, or new benefits not previously available from the prior card. Once the card terms have been modified at the financial system  202 , method  200  can complete at  270 . 
     In some instances, the financial system  202  can further trigger a new physical card to be generated and provided to the customer, particularly where the new replacement card is associated with different branding or membership information as compared to the prior card. 
     In some instances, the modified terms can be applied to all future events and transactions associated with the card of the prior and current unique identifier. Additionally, in some instances, benefits associated with the new replacement card may be applied retroactively to one or more actions and transactions performed prior to the card modification. For example, a particular large transaction or set of transactions may trigger the card analysis and determine that a card co-branded from a particular merchant (e.g., Target) at which those transactions were performed may be a good replacement card. Once the change has been enacted, in an effort to further enhance the benefits of the replacement card, the financial system  202  can retroactively apply a corresponding discount or allow for points to be earned on prior transactions. 
     In some instances, the operations of method  200  can be performed in response to and prior to completion of a particular transaction. In association with and after modifying the card terms at  265 , the particular transaction can then be processed according to the newly applied card terms of the selected new card. 
       FIG. 3  is a flow diagram of an example method  300  for automatically modifying a payment instrument type of a user without modifying a payment instrument identifier in one example implementation. For clarity of presentation, the description that follows generally describes method  300  in the context of the system  100  illustrated in  FIG. 1 . However, it will be understood that method  300  may be performed, for example, by any other suitable system, environment, software, and hardware, or a combination of systems, environments, software, and hardware as appropriate. In some instances, method  300  can be performed by the card modification system  102 , or portions thereof, described in  FIG. 1 , as well as other components or functionality described in other portions of this description. 
     In one instance, method  300  describes a method performed within a system of a financial institution or card provider comprising a communications module, at least one memory, and at least one hardware processor interoperably coupled with the at least one memory and the communications module. The at least one memory can include a repository storing a plurality of account profiles for one or more customers, as well as a repository storing data associated with and defining a plurality of financial products offered by the financial institution or card provider. Further, each of the account profiles for the one or more customers can be associated with at least one current financial product (e.g., the current financial product), where the current financial product is associated with or identified by a unique identifier. The unique identifier may be a card number or primary account number (PAN) for a payment card in some instances. The unique identifier is meant to be used in transactions using the current financial product, and can uniquely identify the particular card and account, which is used in a transaction. Each of the financial products, including the current financial product, may be associated with a set of terms and conditions. The memory may also store instructions that instruct the at least one hardware processor to perform particular operations. 
     Turning to method  300 , at  305  a triggering event initiating a financial product analysis for a first customer is identified. The financial product analysis that is triggered can be used to determine whether at least one of the financial products from the repository of financial products are to be offered as a replacement of the current financial product associated with the first customer. 
     In some instances, one or more events, actions, transactions, or combinations thereof may be associated with the triggering event. In some instances, the triggering event may be a determination that the first customer initiates a transaction that exceeds a transaction threshold amount. In some instances, that transaction may be associated with a particular retailer, including where the particular retailer is associated with at least one of the plurality of financial products different from the current financial product used in the transaction. In some instances, that retailer-associated financial product may provide benefits when used at the retailer, including interest-free transactions over a period of time, additional loyalty or reward points for purchases, cash back or discounts on particular transactions, or other suitable benefits. In some instances, if the retailer-associated financial product is eventually selected, a current transaction and/or at least one prior transaction may be retroactively associated with the benefits of the retailer-associated financial product, including by providing specific credit terms associated with the financial product, allowing particular rewards to be earned for those prior transactions, as well as other retroactive benefits. 
     In some instances, the triggering event may be identified based on a current transaction when considered in light of at least one prior transaction. For example, a determination that a cumulative amount spent by the first customer over a period of time exceeds a threshold cumulative transaction amount may trigger the analysis. In other instances, a determination that a number of transactions performed over a period of time exceed a threshold cumulative number of transactions may trigger the analysis. Any suitable analysis triggers may be defined and evaluated within the system based on individual and cumulative customer actions. 
     In some instances, the triggering event may be an automatic, periodic or other time-based customer account analysis, and may be triggered apart from any particular transactions or interactions of the customer. In still other instances, the triggering event may be based on a user login to a website of the financial institution, or a manual request for the analysis initiated by the customer or by another authorized user or customer service agent. 
     At  310 , an account profile associated with the first customer can be accessed to identify a set of account information associated with the first customer. The set of identified account information may include demographic information associated with the first customer, historical transaction information associated with one or more transactions performed by the customer, customer account status, particular loyalty and/or rewards accounts for particular merchants or service providers to which the customer is enrolled or associated, as well other suitable information. In some instances, based on at least one a subset of the account information, one or more clustering attributes may be identified for the first customer, including those based on the demographic information. The clustering information can be used to identify similar situated customers to whom the first customer can be compared. 
     At  315 , the set of account information associated with the first customer can be compared with or to the plurality of financial products, where the comparison can be used to identify at least one potential financial product to be offered to the first customer. Any suitable comparison algorithm may be used or applied. For example, general recommendation algorithms may be used, such as user-based collaborative filtering, content-based filtering, hybrid recommendation systems, risk-aware recommender systems, or any other suitable recommendation algorithm or system may be used. In some instances, before the potential products for offer are identified during the comparison, an initial identification of one or more customer requirements can be identified for at least some of the plurality of financial products from the repository. For each of those financial products, a determination is made as to whether the customer requirements are met or satisfied by the first customer based on the first customer&#39;s account information. Requirements for a particular financial product may include income requirements, credit score requirements, a determination that a current card is already issued to the customer, credit and transaction history requirements, and others. If the customer meets or exceeds the requirements for a particular financial product, then that financial product may be added to or included in an initial set of financial products to be offered to the first customer. In some instances, those financial products may be offered to the customer, while in other instances, additional or alternative analysis can be performed. For example, in some instances, a customer fit algorithm may be performed to generate a customer fit score corresponding to the potential financial products. In some instances, a customer fit score may also be generated for a current financial product of the first customer. The customer fit scores may be represented on any suitable value scale, such as 0 to 10. In some instances, once the customer fit scores are generated, any financial products associated with a customer fit score below a predefined customer fit threshold (e.g., 7.0) may be removed from the potential financial products to be offered. Alternatively, if a customer fit score for a current card is generated, and then any financial products associated with a customer fit score below the customer fit score for the current financial product may be removed from the potential financial products to be offered. In other instances, the fit scores may be augmented by alternate scores related to profitability of the particular products. In those instances, the fit score may be modified by an expected profitability of the product to the financial institution in combination with any other suitable factors. In other instances, the scores may be augmented by a likely overall cost of the product to the customer, where lower costs to the customer may increase a fit score. In any of these instances, the system may evaluate the customer prior to determining any augmenting factors to be applied to the fit score, and any suitable adjustments and adjustment considerations can be provided. 
     At  320 , an offer to be presented to a device associated with the first customer can be generated. The generated offer can include at least one of the identified potential financial products. In some instances, the number of potential financial products included in the offer may be limited to a maximum amount. That maximum can be any suitable number of offers, or may be based on an analyzed best set of offers to be presented. That is, if three (3) of the offers are very high customer fits (e.g., scores above 9), and the other offers are lower (e.g., scores at 7), only the top products may be included in the offer. The generated offer may be generated as a message including hyperlinks associated with each offer, such as an email or text message. In other instances, the generated offer may be a web page or application page, or may include information to be provided to an application executing at the device of the first customer, where that application will format and present the generated offer. 
     At  325 , a first signal including the generated offer can be transmitted, via a communications module, to a device associated with the first customer. The device may be a mobile device associated with the customer account of the first customer, such as a smartphone or tablet. Alternatively, the device may be a registered laptop or desktop computer of the first customer. In still other instances, the device may be a point-of-sale or display at a merchant where the first customer is performing a transaction. For example, if the offer is for a branded credit card at a particular retailer and is offered in response to a transaction at that retailer, the new branded credit card may be included in the offer and presented at the point-of-sale during the transaction. In some instances, the offer may include a set of terms and conditions associated with each of the financial products. The set of terms and conditions may be a link to review the specific terms and conditions. In some instances, only the terms and conditions which differ from those of the current financial product&#39;s terms and conditions may be included or presented. In still other instances, only a high-level indication of the particular benefits of the potential financial product may be presented, with the terms and conditions being presented after a particular product is selected. 
     At  330 , an indication of acceptance associated with a selected financial product from the set of potential financial products included in the offer can be received via the communications module in a second signal. The indication may be associated with an explicit user selection via a user interface at a display or screen at which the generated offer was presented after  325 . In some instances, a full set of terms and disclosures associated with the selected financial product may not have been provided to and explicitly accepted by the first customer. In those instances, the full set of terms and disclosures associated with the selected financial product can be identified and transmitted to the device associated with the first customer for review and acceptance. Any such presentation of the terms and conditions is subject to governing law and regulations, and the presentation or device-side application through which the presentation is made can ensure that all such laws and regulations are followed. 
     In response to receiving the acceptance of the selected financial product, method  300  continues at  335 . At  335 , at least one term or condition associated with the selected financial product can be identified as different from an existing term or condition associated with the current financial product being replaced or modified. In some instances, a comparison analysis may be performed, or the differences may have already been identified in generating the offer and/or at another time. Based on the determined differences, at  340 , the terms and conditions associated with the current financial product are modified to correspond to the at least one different term or condition associated with the selected financial product. Importantly, the first unique identifier associated with the current financial product is not changed or modified at  340 , such that the modified financial product retains the exact same first unique identifier. In doing so, transactions may still be executed using the existing financial product, although how those transactions are processed may differ based on the updated terms and conditions. 
     In some instances, after the terms and conditions are modified using the modification process, and where the financial product is a payment card or related financial product associated with a physical card or instrument, a process for generating a new physical financial product or payment card can be initiated or otherwise triggered. The new physical product or card can reflect any new branding associated with the selected financial product but will retain the first unique identifier. In some instances, updated security information and expiration dates can be added to the newly generated card. Once generated, the card can be sent to an address or location at which the first customer is associated. 
       FIG. 4  illustrates an example system associated with the second solution described herein, related to the credit card upgrade system and tools. Portions of system  100  are illustrated as part of system  400 , while some portions are omitted. Still further, some other new portions not included in system  100  are added for illustration. In general, a system similar to system  100  may be used to perform the operations related to system  400 , although any suitable system could also be used to implement the solution described herein and obtain the described benefits. Further, portions of system  400  that are not included in system  100  can, in some instances, be modified or the same components of system  100 . The converse can be true, as well. Any suitable combination of components may be used to perform the operations and interactions described herein. 
     Turning to the illustrated example implementation,  FIG. 4  is a block diagram illustrating an example system  400  for automatically identifying potential upgrades of partner cards for a user based on an event or customer analysis. Similar to the first solution of  FIGS. 1-3 , the card itself, or the payment instrument type of the customer, can be modified using the described solution without modifying a payment instrument identifier or card number, nor requiring a new physical card to be issued before the modifying payment instrument can be used. Further, any benefits associated with the upgraded card or payment instrument can be immediately communicated to a partner system to allow for improved or alternative benefits that arise from the new card to be realized in real-time upon acceptance/approval of the upgrade. 
     In general, the system  400  allows the illustrated components to share and communicate information across devices and systems (e.g., card modification system  402  and partner system  490 , among others, via network  460 ). As described herein, the card modification system  402  and/or the partner system  490  may be a cloud-based component or system, while in other instances, non-cloud systems may be used. In some instances, non-cloud-based systems, such as on-premise systems, client-server applications, and applications running on one or more client devices, as well as combinations thereof, may use or adapt the processes described herein. Although components are shown individually, in some implementations, functionality of two or more components, systems, or servers may be provided by a single component, system, or server. The card modification system  402  and client  470  may be similar to or different than the card modification system  102  and client  170  of  FIG. 1 . Similarly, the partner system  490  may be any computer or processing device such as, for example, a blade server, general-purpose personal computer (PC), Mac®, workstation, UNIX-based workstation, or any other suitable device, as well as a single system or more than those illustrated, as well as computers other than servers, including a server pool. In general, each illustrated component may be adapted to execute any suitable operating system, including Linux, UNIX, Windows, Mac OS®, Java™, Android™, Windows Phone OS, or iOS™, among others. The client  470  may include one or more specific applications executing on the client  470  (e.g., financial application  478 ), or the client  470  may include one or more Web browsers or web applications  478  that can interact with particular applications executing remotely from the client  470 , such as the financial application  408  and the financial offer engine  410 , among others. 
     The card modification system  402 , similar to the card modification system  102  described in  FIG. 1 , may be associated with the one or more cloud-based applications or platforms and may be associated with or a part of a cloud platform. As illustrated, the card modification system  402  includes or is associated with interface  404 , processor(s)  406 , the financial application  408 , the financial offer engine  410 , and memory  424 . The interface  404  is used by the card modification system  402  for communicating with other systems in a distributed environment—including within the environment  400 —connected to the network  460 , e.g., client  470 , partner system  490 , one or more retailers, or points-of-sale, etc., and other systems communicably coupled to the illustrated card modification system  402  and/or network  460 . Interface  404  may be similar to or different from interface  104  of  FIG. 1 , and allows communications such that the network  460  and/or the interface&#39;s hardware is operable to communicate physical signals within and outside of the illustrated environment  400 . Still further, the interface  404  may allow the card modification system  402  to communicate with the client  470 , the partner system  490 , financial transaction systems (e.g., retailers, point-of-sales (POSs), credit card and financial processing systems, and others, to obtain and/or provide information regarding one or more transactions and/or events. Based on this information, the card modification system  402  can obtain and analyze received information about transactions, particular customers, and events associated with or related to the partner system  490  and/or the partner system&#39;s connection to one or more customers. 
     Network  460  may be similar to or different from network  160 , and generally can facilitate wireless or wireline communications between the components of the environment  400  (e.g., between the card modification system  402 , the client(s)  470 , and the partner system  490 , etc.), as well as with any other local or remote computers, such as additional mobile devices, clients, servers, or other devices communicably coupled to network  460 , including those not illustrated in  FIG. 4 . 
     The card modification system  402  includes one or more processors  406 . Although illustrated as a single processor  406  in  FIG. 1 , multiple processors may be used according to particular needs, desires, or particular implementations of the environment  400 . Each processor  406  may be similar to or different than the processors  106  of  FIG. 1 . Generally, the processor  406  executes instructions and manipulates data to perform the operations of the card modification system  402 . Specifically, the processor  406  executes the algorithms and operations described in the illustrated figures, as well as the various software modules and functionality, including the functionality for sending communications to and receiving transmissions from clients  470  and partner systems  490 , as well as to other devices and systems. 
     The card modification system  402  can include, among other components, several applications, entities, programs, agents, other software, or similar components capable of performing the operations described herein. As illustrated, the card modification system  402  includes or is associated with a financial application  408  and a financial offer engine  410 . The financial application  408  may be any application or program associated with or connected to a financial institution and can include applications linking the card modification system  402  to the information stored at the financial institution. In some instances, the financial application  408  may be an end-to-end financial application, and the financial offer engine  410  and the card modification system  402  as a whole may be a portion thereof. The financial application  408  in the current description provides an application through which the card modification engine  402  can obtain information about transactions performed by one or more customers, as well as events associated with one or more transactions or planned activities associated with a particular customer, and can use that information to evaluate potential card modifications based on one or more relevant card benefits that may be of likely interest to the customer. The financial offer engine  410 , in analyzing the current cards and the identified events and/or transactions, can be used to identify one or more potential card upgrades that provide relevant benefits related to a co-brander of the current card and for which the customer qualifies. 
     The financial offer engine  410  may be associated with or can include an offer management system used to analyze financial data and events and determine one or more offers satisfying a current context, particularly as they relate to a current event or action associated with the customer. After determining those offers, the financial offer engine  410  can present the offers to the one or more customers, and, in response to acceptance of those offers, update one or more customer and financial accounts. In addition to updating the particular card, the financial offer engine  410  can use an interface to the partner system  423  to transmit information about one or more relevant benefits associated with the new card, and can ensure that the partner system  490  associates those benefits with the customer in an immediate or near immediate manner. 
     As illustrated, the financial offer engine  410  includes a plurality of components, although some or all may be included in the inherent functionality of the financial offer engine  410 , provided as a separate component from the financial offer engine  410 , or included in one or more of the other components. The illustrated financial offer engine  410  includes an account analyzer  412 , an event rule engine  416 , an offer engine rule analyzer  418 , an offer presentation module  420 , and a card modification engine  422 . These components combine to perform the operations associated with the financial offer engine  410 , although alternative, additional, or combined components may perform the operations in other instances or implementations. Specifically, one or more programs, applications, or other components may perform combinations of the functionality described herein, and are not meant to require separate or disparate components. Further, while the functionality of the financial offer engine  410  is described separately, multiple functions may be combined and performed by a single component, while other functions may be separated and performed by two or more components, where those separate functions may be performed individually or in combination with one another. 
     The account analyzer  412  and the event rule engine  416  can perform analyses of transactions, information, and events associated with particular customer accounts  426  (e.g., a particular reservation, a purchase, or location-based information) and/or partner systems or operations (e.g., flight delay, hotel stay, etc.), and can be used to determine when, or if, a card modification analysis should be performed based on one or more events that are occurring or have been identified. Further, if such an analysis is to be made, the offer engine rule analyzer  418  can be used to evaluate whether the particular customer account  426  qualifies for, and would be interested in, an upgraded card. 
     The event rule engine  416  can be used to evaluate various event trigger rules  457  that are used to determine when one or more cards of the customer should be considered for an upgrade. In some instances, the event trigger rules  457  may be separate from the analysis trigger rules  456 , which determine whether, in response to the event, an analysis of potential upgrades should be made. For example, the event trigger rules  457  may be associated with a rule that causes event indications related to flight delays to initially, and potentially, trigger a full analysis. In those instances, the fact that there is a flight delay coupled with the fact that a user associated with the particular customer account  426  is at the airport already may initiate an analysis of whether a particular upgraded card offer should be made, or at least evaluated. The analysis trigger rules  456  can then determine, based on a current context of the user associated with the customer account  426 , whether an upgrade offer is available and should be made. For example, the analysis trigger rules  456  may consider the current card(s)  442  associated with the customer account  426  in light of the triggering event to determine whether one or more upgraded or alternative partner cards  448  are available in a financial card catalog  446  (which may be similar to financial card catalog  146 , and can include card requirements  450 , card terms  452 , and card types  454 ). Further, the analysis trigger rules  456  may also determine whether the current event is associated with a changed benefit or term  452  of the upgraded or alternative partner cards  448 . For example, if the current card  442  already provides a high level of benefits, the analysis trigger rules  456  may determine that either no upgraded partner cards  448  exist, or that the benefits associated with those cards are not an enhancement with regard to the event that triggered the analysis. For example, if the event is a flight delay, the analysis trigger rules  456  may determine that a benefit related to additional miles per purchase is unnecessary or otherwise not relevant to the current situation. 
     The event trigger rules  457  may be associated with any suitable types of events, including information obtained from a customer&#39;s device (e.g., client  470 , such as location information or data indicating arrival at a relevant location such as an airport or hotel), information from a partner system  490  (e.g., flight delays), from the financial institution (e.g., based on a detected transaction for the customer that has entered the transaction history  430  of the customer account  426 ), or from third-party information sources (e.g., public databases, flight databases, weather websites or apps, etc.). Further, certain event trigger rules  457  may be active for particular customer accounts  426  based on their existing and current cards  442 , as well as the related partner cards  448  that are available. If a customer is associated with a highest level of a partner-branded card in a tier of multiple cards, the event trigger rules  457  may be turned off, or inactive, as no enhancement may be available. Alternatively, the event trigger rules  457  may be activated to identify events related to alternative partner cards  448  and the benefits associated therewith. For example, if an alternative card provides additional free bags, while the current card provides free access to a premium lounge, a determination that the customer has arrived at the airport with his family (e.g., based on calendar information received from client  470 ) may inform the system that a potential offer to cover some of the additional bags that may be with the family should be offered. 
     In some instances, the event trigger rules  457  and the analysis trigger rules  456  may be combined into a single rule set, with portions of the rules performing different portions of the determinations and analysis. 
     The event rule engine  416  uses these event trigger rules  457  to determine when a further analysis is to be performed in response to receiving event information. Event information can be monitored from the customer account  426 , as information received from or about the customer (e.g., location information from client  470 , check-in information from a social network associated with the customer, etc.), as information from the partner system  490  (e.g., customer completed a flight check-in process, flight delay, room readiness delay, etc.), or as related information from a third-party source. 
     Events can be monitored via an event monitor  409 , which can include or represent one or more interfaces, APIs, communication endpoints, or other connections to relevant sources. The event monitor  409  may parse different information and provide such information to the event rule engine  416 , which can then evaluate the received events as possible triggers for a further analysis. 
     In response to determining that an event does trigger a potential card upgrade, the account analyzer  412  can determine whether the card modification should be performed using the one or more analysis trigger rules  456  and event trigger rules  457  being triggered. The analysis trigger rules  456  may determine, for particular customers, when one or more evaluations as to whether an upgrade analysis should be performed after an event potentially triggering the update is received. As described above, the analysis trigger rules  456  can compare the received event to the analysis trigger rules  456  to determine which potential upgrades are relevant. The account analyzer  412  can evaluate whether the upgrade options for available partner cards  448  provide relatively better alternatives to the current cards  442  of the customer. If so, the account analyzer  412  can identify the specific partner card  448  from the financial card catalog  446  to the offer engine rule analyzer  418 . In some instances, the account analyzer  412  can, based on information about the customer account  426  and status  428 , determine if a potential partner card  448  is or would be approved for the customer. If not, the account analyzer  412  can terminate the analysis and no upgrade may be presented. If approved or likely to be approved, then the offer can be passed to the offer engine rule analyzer  418  for further processing. 
     In some instances, the account analyzer  412  can execute one or more customer fit algorithms for one or more of the financial products or cards to generate, for example, a customer fit score. The customer fit score can be used to determine if the card modification thresholds  458  are met, and can use any suitable information, including customer transaction history  430 , which can include the amount  432 , location  434 , and parties  436  to transactions. Other demographic information  438  can be used to identify the appropriate fit of particular partner cards  448 . 
     The offer engine rule analyzer  418  can analyze one or more card modification threshold rules  458  in light of the customer fit analyses and scores generated by the account analyzer  412  or any other suitable component to determine whether a particular upgrade card is to be offered. The card modification threshold rules  458  can identify particular customer fit scores or benefit analyses to determine if the current offer makes sense or would likely be of interest to the customer, which may be required to be met prior to a particular new card to be presented as an option to the particular customer. For example, only relevant benefits may be considered in upgraded cards. If a customer already has priority access, a card offering such access may not be suitable. The degree of fit and improved benefit can be considered by the account analyzer  412  based on the card modification rules. 
     The offer presentation module  420  may be similar to offer presentation module  120 , and can be used to present a particular offer to the customer. In some instances, the offer can be generated by the offer presentation module  420 , formatted for presentation to the customer, and transmitted via interface  404  and the financial offer engine  410  or the financial application  408  to the client  470  associated with the customer. In some instances, the offer presentation module  420  may be provided where the presentation of the offer is via a web page or a particular client application executing on the client  470 . The offer presentation module  420  may generate the offer based on the information received from the offer engine rule analyzer  418 , and can pull relevant information from the financial card catalog  446  associated with those particular upgraded cards  448  to be offered. The offer presentation module  420  can generate an actionable offer, where the particular customer can interact with the presentation to select one of the particular cards  448  for card modification. The offer presentation module  420  may be able to provide the offer for presentation and interaction at the client  470 , including via a client application associated with the financial application  408  (e.g., a banking or financial mobile app), or through a mobile browser accessing the financial application  408  and/or the financial offer engine  410 . In some instances, the offer presentation module  420  can present some or all of the card terms  452  of the card(s)  448  included in the offer. In some instances, the terms and disclosures may be provided or made available with the offer. In other instances, only those terms  452  which differ from the terms  444  of the current card  442  may be presented with the offer, along with a clear indication of the enhanced, improved, or additional benefits available. In still other instances, the full or partial set of terms  452  associated with the offered upgrade card(s)  448  may only be presented after an indication that a particular card  448  has been selected by the particular customer from the offer. In those instances, prior to enacting the selected modification, a set of terms and disclosures from the card terms  452  can be provided to the customer via the offer presentation module  420 . Any presentation and acceptance of the new card terms  452  can be performed in accordance with any financial laws or regulations of the local and national jurisdictions in which the card modification process is occurring or relates. 
     In response to receiving a selection of a particular card  448  from the offer, and after reviewing and accepting any particular terms and disclosures of the selected card  448 , the selection can be provided to the card modification engine  422 . The card modification engine  422  can perform the operations associated with updating the terms  444  of the current card  442  to correspond to the card terms  452  of the selected card  448 . In the update, however, any particular identifier (e.g., PAN, card number, etc.) will be maintained such that the existing card  442  can continue to be used by the customer. To do so, the set of terms  444  associated with the current card  442  being modified can be adjusted to match the card terms  452  of the selected card  448 . In some instances, a determination can be made (e.g., by the card comparison module  116  described in  FIG. 1 ) and can perform the comparison and identify one or more terms  444  that should be changed. The card modification engine  422  can perform those changes as associated with the customer account  426  and its current card  442 , such that an updated set of terms  444  of the current card  442  matches the card terms  452  as indicated in the financial card catalog  446 . If the card  448  corresponds to any particular loyalty programs, the card modification engine  422  can also update any links from the current card  442  to the particular loyalty programs  440  associated with the selected card. In particular, a listing of benefits associated with the updated and upgraded card can be included in the loyalty program  440  information. 
     In some instances, the card modification engine  422  may also generate and transmit an instruction to have a new physical card associated with the updated current card  442  created, including, for example, with any updated branding or benefit information, and provided to the particular customer. The card modification engine  422  may correspond, for example, with the financial application  408  to request the new physical card, where the financial application  408  can provide or direct that request to an appropriate department at the financial institution. 
     In order to provide immediate benefits to the customer, the card modification system  402  includes an interface to the partner system  423 . The interface to the partner system  423  may be a specific connection or API to the partner system  490 , or may be a particular message interaction through normal communication channels. Further, there may be a multiple interfaces to partner systems  423 , each associated with a particular partner system  490 , or there may be a single (or less than a 1:1 ratio number of) interfaces to partner systems  423  that communicates with multiple systems. The interface to the partner system  423  can send communication to those partner systems  490  in response to the upgraded card being selected and approved by a customer. In doing so, the benefits inherent to the upgraded card may be realized immediately. In some instances, the card modification system  402  may correspond or communicate with a partner system application  493  that manages such information at the partner system  490 , where the partner system application  493  can automatically update a loyalty or benefit level  499  associated with a linked loyalty account  497  for the customer. In other instances, the information may be available for reference via a suitable messaging scheme or upgrade request and authorization upon interaction with an agent or person associated with the partner system, such as a flight attendant or check-in clerk. In some instances, the benefits may be automatically applied to the next interaction with the partner system  490 . For example, if the customer accepts an upgraded card associated with a particular airline while at the airport, where the new card provides private lounge access, the customer may visit the lounge after the upgrade and be provided access in the airline&#39;s (i.e., the partner) system based on the upgraded card. In cases where the automatic upgrade is not included in the partner&#39;s system, information about the upgrade can be provided via the client  470  and/or by a reference to or communication with the financial institution. 
     Memory  424  of the card modification system  402  may be similar to or different than memory  124  of  FIG. 1 . Further, while illustrated within the card modification system  402 , memory  424  or any portion thereof, including some or all of the particular illustrated components, may be located remote from the card modification system  402  in some instances, including as a cloud application or repository, or as a separate cloud application or repository when the card modification system  402  itself is a cloud-based system. In some instances, some or all of memory  424  may be located in, associated with, or available through one or more other financial systems of the associated financial institution. In those examples, the data stored in memory  424  may be accessible, for example, via the financial application  408 . 
     As illustrated and previously described, memory  424  includes the plurality of customer accounts  426 , the financial card catalog  446 , the set of analysis trigger rules  456 , the event trigger rules  457 , and the card modification thresholds  458 . Each customer account  426  can store information with one or more current cards  442 , including information identifying the particular terms  444  that are associated with those cards. Based on those terms  444 , which may include any associated benefits, rates, and other information associated with the corresponding card  442 , transactions entered into by the customer using a particular card  442  can be processed and managed. The transaction history  430  of the customer account  426  can identify various transactions, with each transaction including information on an amount  432  of a particular transaction, a location  434  of the transaction, and a party or merchant  436  associated with the transaction. The customer profile and demographics  438  can provide information describing the particular customer associated with the customer account  426 . The account status  428  of the customer account  426  can provide or detail information related to current balances, late fees, and other relevant information about the status of the particular customer account  426 . The loyalty programs  440  can identify the particular loyalty programs to which the customer account  426  is associated, and in particular, provide a link between the particular customer account  426  and one or more loyalty accounts  497 , as well as links to or associations with one or more current cards  442 . When the interface to partner system  423  is used to update the partner system  490  with new benefit information, the loyalty program information  440  can be shared and the information linked to an existing loyalty account for immediate use. 
     As illustrated, one or more clients  470  may be present in the example system  400 . Each client  470  may be similar to or different than clients  170  of  FIG. 1 . Each client may be associated with one or more customer accounts  426 , either as a client device at which the customer of the customer account  426  is linked, or as a client device through which the particular customer accesses financial information and can interact with one or more offers for card modification and benefit upgrade. As illustrated, the client  470  may include an interface  472  for communication (similar to or different from interface  404 ), at least one processor  474  (similar to or different from processor  406 ), a graphical user interface (GUI)  476 , a financial application or browser  478  (e.g., a mobile wallet or institution-supported app), and a memory  480  (similar to or different from memory  424 ). 
     The illustrated client  470  is intended to encompass any computing device such as a desktop computer, laptop/notebook computer, mobile device, smartphone, personal data assistant (PDA), tablet computing device, one or more processors within these devices, or any other suitable processing device. In general, the client  470  and its components may be adapted to execute any operating system, including Linux, UNIX, Windows, Mac OS®, Java™, Android™, or iOS. In some instances, the client  470  may comprise a computer that includes an input device, such as a keypad, touch screen, or other device(s) that can interact with one or more client applications, such as one or more dedicated mobile applications, including a financial application and/or web browser  178 , and an output device that conveys information associated with the operation of the applications and their application windows to the user of the client  470 . Such information may include digital data, visual information, or a GUI  476 , as shown with respect to the client  470 . Alternatively or in addition, the client  470  may allow for voice presentations and voice interactions to be performed, such as by presenting information or options via a speaker, and then receiving responsive input via a microphone of the client  470 . Specifically, the client  470  may be any computing device operable to communicate with the card modification system  402 , other clients  470 , and/or other components via network  460 , as well as with the network  460 , using a wireline or wireless connection. In general, client  470  comprises an electronic computer device operable to receive, transmit, process, and store any appropriate data associated with the environment  400  of  FIG. 4 . 
     The client applications executing on the client  470  may include any suitable application, program, mobile app, or other component. Client applications, including the financial application or browser  478 , can interact with the financial institution applications (e.g., financial application  408 ) and the card modification system  402  via network  460 . In some instances, the client application may be a web browser, where the functionality of the client application may be realized using a web application or website the user can interact with via the client application. In other instances, the client application may be a remote agent, component, or client-side version of the card modification system  402 , financial institution, or another component. In some instances, the client application may interact directly with the card modification system  402  or portions thereof. The client application may be used to initiate or trigger a card modification analysis based on user input, and/or may be used to present information associated with the operations of the card modification analysis after it is triggered. In some instances, the client  470  may provide event information to the card modification system  402  and/or the partner system  490 , such as location information, and/or information associated with either the card modification system  402  or the partner system  490 , as well as other relevant information. The event information may include location information (e.g., location is near or at the airport for a flight or a hotel at which a prior reservation has been made), as well as any other suitable information derivable from the client  470 . 
     GUI  476  of the client  470  interfaces with at least a portion of the environment  400  for any suitable purpose, including generating a visual representation of any particular client application, the financial application or browser  478 , and/or the content associated with any components of the card modification system  402  or the partner system  490 . In particular, the GUI  476  may be used to present results of a card modification analysis, including providing one or more card upgrade offers to the customer at the client  470 , as well as to otherwise interact and present information associated with one or more applications. GUI  476  may also be used to view and interact with various web pages, applications, and web services located local or external to the client  470 . Generally, the GUI  476  provides the user with an efficient and user-friendly presentation of data provided by or communicated within the system. The GUI  476  may comprise a plurality of customizable frames or views having interactive fields, pull-down lists, and buttons operated by the user. In general, the GUI  476  is often configurable, supports a combination of tables and graphs (bar, line, pie, status dials, etc.), and is able to build real-time portals, application windows, and presentations. Therefore, the GUI  476  contemplates any suitable graphical user interface, such as a combination of a generic web browser, a web-enabled application, intelligent engine, and command line interface (CLI) that processes information in the platform and efficiently presents the results to the user visually. 
     The financial application or browser  478  be an application associated with a financial institution, and can be used, along with memory  480  (which may be similar to or different from memory  424 ), to store a set of wallet data  482 . The set of wallet data  482  can include information about one or more cards and/or accounts, including at least one card  484 . Each of those cards may be associated with a particular account identifier (e.g., a card number, a PAN, etc.), which can be used by the financial application  478  to engage in and complete one or more transactions using the client  470 , e.g., as a mobile wallet. In the present solution, the wallet data  482  may not be changed or modified after the card modification analysis and card modification operations are performed to update the terms  444  associated with a particular card  442 . In particular, the account identifier of the cards  484  stored in the wallet may remain the same, allowing the customer to continue using the cards for transactions after the modification is made. In some instances, an image associated with the cards may change based on the card modification, but otherwise the stored card information can be used without modifying the card number or other identifier. In some instances, the wallet data  482  may also include information about one or more loyalty accounts  497  associated with partner systems  490 , where available and current benefit levels can be stored and available for presentation. Further, any offers for upgrades can be securely presented and accepted via the financial application or browser  478 , such that private information about terms and costs can be adequately provided to the user prior to upgrading the card. 
     As illustrated,  FIG. 4  includes the partner system  490 , which may be any cloud- or on-premise application or platform associated with a business or entity that provides card-based and/or card-related loyalty benefits in association with one or more financial institutions, including a financial institution related to the card modification system  402 . The partner system  490  can manage at least one loyalty program for its customers, including by providing points and/or other benefits for particular customers at certain levels of their loyalty program. In some instances, the partner card(s)  448  associated with the partner system  490  and its loyalty program may each provide particular benefits to customers who are part of the program, in additional to any benefits those customers may receive as members of the loyalty program through uses of the partner&#39;s products or services (e.g., flights, hotel stays, etc.). In the described solution, the partner system  490  can provide, in some cases, relevant event information via the partner event source  496  regarding their services (e.g., a flight delay, a hotel stay change, a particular reservation being booked by a customer etc.) about their services, which can then be used by the card modification system  402  to evaluate whether one or more potential card upgrades should be offered. When those upgrades are accepted, information about the account change and/or any associated benefit changes due to the upgraded card can be provided to the partner system  490  (e.g., via the partner system application  493 , or via a financial institution (FI) interface  495 ), which can then be stored in memory  480  as associated with a particular linked loyalty account  497 . 
     As illustrated, the partner system  490  includes or is associated with interface  491 , processor(s)  492 , a partner system application  493 , a loyalty application  494 , a partner event source  496 , and memory  480 , where information on one or more loyalty accounts  497  are stored and managed. 
     Interface  491  may be similar to or different than interface  404 , and can allow the partner system  490  to communicate with other components. Interface  491  may be similar to or different from interface  404  or interface  104  of  FIG. 1 , and allows communications such that the network  460  and/or the interface&#39;s hardware is operable to communicate physical signals within and outside of the illustrated environment  400 . Still further, the interface  491  may allow the partner system  490  to communicate with the client  470 , the card modification system  402 , and/or other relevant systems. Information on current benefits and loyalty accounts  497  can be accessed by the client  470  or other authorized users associated with particular loyalty accounts  497 , as well as by the financial institution, where authorized. 
     The partner system  490  includes one or more processors  492 . Although illustrated as a single processor  492  in  FIG. 4 , multiple processors may be used according to particular needs, desires, or particular implementations of the environment  400 . Each processor  492  may be similar to or different from the processors  406  and  106  of  FIG. 1 . Generally, the processor  492  executes instructions and manipulates data to perform the operations of the partner system  490 . Specifically, the processor  492  executes the algorithms and operations described in the illustrated figures, as well as the various software modules and functionality, including the functionality for sending communications to and receiving transmissions from clients  470  and card modification systems  402 , as well as to other devices and systems. 
     As described, the partner system application  493  may be an application used to perform any particular operations associated with the partner system  490 , such as customer relationship management, sales, service-based operations, or any other suitable operations associated with the partner system  490 . The partner system application  493  may interact with or include a loyalty application  494 , which can manage the loyalty program of the particular partner system  490 . The loyalty application  494  can use information about particular loyalty accounts  497  to manage loyalty benefits, marketing and advertising programs, and any other suitable loyalty-related operations. In some instances, the loyalty application  494  can include a financial system interface  495 , where interactions with the loyalty program and/or the financial system can be shared, where appropriate, between the systems. In particular, purchase of goods and/or services from the partner system  490  may be linked to the loyalty account  497 , such that additional points or benefits may be added to the loyalty account  497  of the customer. Additionally, further perks or points may be earned at the financial system, where the FI interface  495  provides that information back for additional benefits from the financial system. Still further, purchases using the current card  442  may earn points in the loyalty program of the partner system  490 , such that additional points may be earned for the corresponding loyalty account  497 . As described herein, additional benefits based on a particular partner card  448 , when assigned as the customer&#39;s current card  442 , may be obtained and, based on having the card, provided to the customer. In those instances, the loyalty account  497  can be associated with a corresponding or associated financial institution account  498 , which may also be associated with a particular loyalty and/or benefit level  499 . In some instances, customers may have earned a first set of benefits based on their loyalty participation, and a second set of benefits may be provided based on their particular card terms  444  and benefit. When the card is updated, the present solution can ensure those additional benefits are associated with the loyalty account through a connection and communication from the card modification system  402  to the partner system  490 . Using that update after the card has been updated, any corresponding benefits can be immediately included in the system and used for any upcoming transactions. 
     As illustrated in  FIG. 4 , one or more additional third party event sources  465  may be used to identify particular events of interest related to particular customers. For example, the third party event sources  465  can include social media accounts and postings, as well as weather information, travel advisories, and other information that may be suitably used to identify particular card modifications for improved benefits. The event monitor  409  can be associated with and/or monitor one or more third party event sources  465 , as well as the partner event sources  496  and any information available from client  470 . 
     While portions of the elements illustrated in  FIG. 4  are shown as individual modules that implement the various features and functionality through various objects, methods, or other processes, the software may instead include a number of sub-modules, third-party services, components, libraries, and such, as appropriate. Conversely, the features and functionality of various components can be combined into single components as appropriate. 
       FIG. 5  is a flow chart diagram of an example method for automatically modifying a payment instrument type of a user without modifying a payment instrument identifier, wherein the payment instrument type is associated with additional benefits that can immediately be used with the partner system upon acceptance at the financial institution. For clarity of presentation, the description that follows generally describes method  500  in the context of the system  400  illustrated in  FIG. 4 . However, it will be understood that method  500  may be performed, for example, by any other suitable system, environment, software, and hardware, or a combination of systems, environments, software, and hardware as appropriate. In some instances, method  500  can be performed by the card modification system  402 , or portions thereof, described in  FIG. 4 , as well as other components or functionality described in other portions of this description. 
     In one instance, method  500  describes a method performed within a system of a financial institution or card provider comprising a communications module, at least one memory, and at least one hardware processor interoperably coupled with the at least one memory and the communications module. The at least one memory can include a repository storing a plurality of account profiles for one or more customers, as well as a repository storing data associated with and defining a plurality of financial products offered by the financial institution or card provider. At least some of those financial products may be partner-related, in that the cards are associated with the partner system, such as in a co-branding agreement. Different levels and tiers of partner-related cards can be available, with different cards offering different levels of benefits, and with some cards being associated with fees and other card-specific terms. Further, each of the account profiles for the one or more customers can be associated with at least one current financial product (e.g., the current financial product), where the current financial product is associated with or identified by a unique identifier. The unique identifier may be a card number or primary account number (PAN) for a payment card in some instances. The unique identifier is meant to be used in transactions using the current financial product, and can uniquely identify the particular card and account, which is used in a transaction. Each of the financial products, including the current financial product, may be associated with a set of terms and conditions, which can include one or more benefits associated with ownership of the card and that relates to the partner system. The memory may also store instructions that instruct the at least one hardware processor to perform particular operations. 
     Turning to method  500 , at  505  a triggering event initiating a financial product analysis for a first customer is identified. The financial product analysis that is triggered can be used to determine whether at least one of the financial products from the repository of financial products are to be offered as a replacement of the current financial product associated with the first customer. 
     In some instances, one or more events, actions, transactions, or combinations thereof may be associated with the triggering event. In some instances, the triggering event may be a determination that the first customer initiates a transaction that exceeds a transaction threshold amount. In some instances, that transaction may be associated with a particular retailer, including where the particular retailer is associated with at least one of the plurality of financial products different from the current financial product used in the transaction. In some instances, that retailer-associated financial product may provide benefits when used at the retailer, including interest-free transactions over a period of time, additional loyalty or reward points for purchases, cash back or discounts on particular transactions, or other suitable benefits. In some instances, if the retailer-associated financial product is eventually selected, a current transaction and/or at least one prior transaction may be retroactively associated with the benefits of the retailer-associated financial product, including by providing specific credit terms associated with the financial product, allowing particular rewards to be earned for those prior transactions, as well as other retroactive benefits. 
     At  505 , events associated with a set of event trigger rules are monitored, where the event trigger rules are used to identify potential events and actions that may be related to a modification of a current financial product associated with a customer account for a first customer. The events being monitored may be customer-specific, or they may be generally monitored for a plurality of customers and can be determined, upon identification, whether they are associated with a particular event or action of the customer. In some instances, the event trigger rules may be active in response to an earlier event or transaction, such as a transaction associated with a hold for a hotel or a flight. In response to those transactions, one or more relevant event triggers may be active, such as determinations specific to a customer&#39;s location, such as where the customer, or a user device associated with the customer, is located at an airport associated with the flight reservation or a hotel at which the reservation is associated. Alternatively, based on a prior reservation, such as for a flight, information about that flight may be monitored near the time of the flight, such that any delays or flight-related information may be used as a potential event trigger to determine whether a card upgrade should be presented. 
     At  510 , a monitored event corresponding to a particular event trigger rule can be identified. As noted, that event may be specific to the customer (e.g., arriving at a location associated with an event trigger rule for which location is a factor), may be associated with a carrier or provider associated with a prior or current transaction (e.g., a flight delay, change of gate, non-automatic upgraded room not available, etc.), or may be based on an action or transaction performed by the customer. 
     At  515 , based on the particular event trigger rule and a set of account information associated with the customer, at least one partner-related financial product (e.g., an upgraded credit card) can be identified for a potential upgrade. In some instances, an analysis of the current financial product (e.g., partner credit card) can be performed to determine if upgrades are available. If the highest card is already held, or no additional cards are available, the process can end. If one or more upgrades, or alternative cards, are available, process  500  can continue to determine whether a particular product is to be offered. 
     At  520 , an evaluation of the upgrade for the customer can be evaluated. In some instances, a soft analysis of a customer account and the at least one potential upgraded financial product can be performed to determine whether the customer qualifies for the financial product, such as by reviewing credit scores, credit history, an existing account history, and other requirements of the upgraded product. In some instances, prior authorization for one or more upgraded products may be performed when the event trigger rules are activated and/or prior to monitoring for particular events. In those cases, once the event trigger rule is satisfied, then it is determined that the offer can be made. Similarly, a customer evaluation can be pre-performed to determine whether they are a fit for one or more of the upgrades. If determined not to be fit for those products, or it is determined that the current product of the customer is a better fit, those other products may not be offered. 
     In response to satisfying the evaluation for at least one of the upgraded cards, an offer is generated at  525  to be presented to a device associated with the first customer, where the generated offer includes the at least one partner-related financial product as a potential upgrade. The card modification system  402 , for example, can generate an offer for presentation to the client through a suitable interface and can include the particular products identified at  615  to the client for review. The offer may include highlighted benefits of the potential cards based on the performed analysis, including those that may be of immediate interest and applicability. In some instances, the offer may also include or link to one or more of the terms or conditions of the particular cards included in the offer. In some instances, the offer may embed, link, or otherwise include mechanisms to allow the customer to select, via a user interface, particular cards for card modification. In some instances, a chart or illustration comparing the possible replacement cards to the current card may be included in the offer. 
     At  530 , a first signal including the generated offer can be transmitted, via a communications module, to a device associated with the first customer. The device may be a mobile device associated with the customer account of the first customer, such as a smartphone or tablet. Alternatively, the device may be a registered laptop or desktop computer of the first customer. In still other instances, the device may be a point-of-sale or display at a merchant where the first customer is performing a transaction. For example, if the offer is for a branded credit card at a particular retailer and is offered in response to a transaction at that retailer, the new branded credit card may be included in the offer and presented at the point-of-sale during the transaction. In some instances, the offer may include a set of terms and conditions associated with each of the financial products. The set of terms and conditions may be a link to review the specific terms and conditions. In some instances, only the terms and conditions which differ from those of the current financial product&#39;s terms and conditions may be included or presented. In still other instances, only a high-level indication of the particular benefits of the potential financial product may be presented, with the terms and conditions being presented after a particular product is selected. Further, any immediately redeemable benefits can be presented and made immediately available upon acceptance. 
     At  535 , an indication of acceptance associated with a selected financial product from the set of potential financial products included in the offer can be received via the communications module in a second signal. The indication may be associated with an explicit user selection via a user interface at a display or screen at which the generated offer was presented after  530 . In some instances, a full set of terms and disclosures associated with the selected financial product may not have been provided to and explicitly accepted by the first customer. In those instances, the full set of terms and disclosures associated with the selected financial product can be identified and transmitted to the device associated with the first customer for review and acceptance. Any such presentation of the terms and conditions is subject to governing law and regulations, and the presentation or device-side application through which the presentation is made can ensure that all such laws and regulations are followed. 
     In response to receiving the acceptance of the selected financial product, method  500  continues at  540 . At  540 , the terms and conditions associated with the current financial product are modified to correspond to the at least one different term or condition associated with the selected financial product. Importantly, the first unique identifier associated with the current financial product is not changed or modified at  540 , such that the modified financial product retains the exact same first unique identifier. In doing so, transactions may still be executed using the existing financial product, although how those transactions are processed may differ based on the updated terms and conditions. In some instances, and similar to  335  of  FIG. 3 , at least one term or condition associated with the selected financial product can be identified as different from an existing term or condition associated with the current financial product being replaced or modified. In some instances, a comparison analysis may be performed, or the differences may have already been identified in generating the offer and/or at another time. Based on those determined differences, the terms and conditions associated with the current financial product are modified to correspond to the at least one different term or condition associated with the selected financial product at  540 . 
     In some instances, after the terms and conditions are modified using the modification process, and where the financial product is a payment card or related financial product associated with a physical card or instrument, a process for generating a new physical financial product or payment card can be initiated or otherwise triggered. The new physical product or card can reflect any new branding associated with the selected financial product but will retain the first unique identifier. In some instances, updated security information and expiration dates can be added to the newly generated card. Once generated, the card can be sent to an address or location at which the first customer is associated. 
     At  545 , a third signal including a notification of the updated partner-related financial product can be transmitted, via the communications module, to a corresponding partner system corresponding to the upgraded partner-related financial product. In particular, any upgraded benefits corresponding to the upgrade product can be transmitted to the partner system as associated with the customer&#39;s account. In doing so, the customer&#39;s account and upgraded financial product can be linked to the customer&#39;s loyalty account at the partner system, and any associated benefits of the new financial product can be updated at the partner for immediate use. In some instances, the third signal may include an identification of a customer account, a corresponding loyalty account stored at or associated with the customer account, and information related to the changes in the benefits, including any newly added and/or removed benefits associated with the accepted and updated financial product. As described in  FIG. 4 , any suitable API or communication technique can be used to provide the information to the partner system to allow for immediate updating of the loyalty account, thereby allowing the customer to obtain all benefits in real- or near-real-time at the partner system. 
     For example, if the new financial product is a black card providing premium lounge access, by the time the customer arrives at the lounge, assuming the offer is made upon arrival to the airport or while sitting in a general area, the benefits may already be active and the customer can seamlessly access the premium lounge. Similarly, if the new financial product relates to upgrades at a hotel, the offer may be triggered when the customer arrives near the hotel. Upon acceptance, the information may be shared with the hotel&#39;s system, such that upon check-in, an upgraded room may be automatically applied to the customer&#39;s check-in. 
       FIG. 6  illustrates an example use case related to an airline-related partner card upgrade process in response to airline-related events and a customer analysis. 
     At  605 , a reservation for a customer associated with an airline partner system  601  is identified. The reservation may be identified based on a transaction associated with a financial system, or information about the reservation may be identified at the airline partner system  601 . In response to the reservation, at  610 , one or more event trigger rules for the customer can be initiated such that related events are monitored by the card modification system  602 . In some instances, one such rule may be monitoring flight information to determine if the customer&#39;s flight is delayed or otherwise changed. 
     At  615 , the partner system  601  may determine that the customer has checked-in at the airport in relation to the particular reservation. In some instances, that information alone may be enough to trigger a particular event trigger rule. In other instances, additional updates may be required to trigger the upgrade process, such as receiving flight delay information at  620  indicating that the customer&#39;s flight may be delayed or otherwise modified. 
     In response to receiving that information, the card modification system  602  can determine whether one of the event trigger rules are satisfied at  625 . If not, the analysis of whether the event trigger is satisfied continues. If, however, a particular event trigger is satisfied, at  630  a determination of potential card upgrades based on the event trigger rule are identified. In some instances, at  635 , customer account information can be accessed and analyzed to confirm customer eligibility for the potential upgraded card. In some instances, determining if a potential upgrade is available is based on the type of event trigger rule that is satisfied. For example, if a flight delay is received, a card related to additional points per dollar spent may not be relevant. Instead, a card associated with upgrade lounge benefits may associated with the event trigger. Eligibility analyses may evaluate whether the customer satisfies the requirements for a particular upgrade card or cards, and may include credit score evaluations, credit and account history analyses, as well as a determination of whether the customer is willing to pay an additional fee for the upgraded card. 
     At  640 , a determination is made as to whether at least one potential card upgrade is available or identified. If not, method  600  ends at  685 . If so, however, an offer is generated for presentation to the customer regarding the potential upgrade cards at  655 . The presentation may be similar to the presentations described herein, and can provide benefit information about what may be gained by selecting a particular card, as well as any particular terms and requirements that must also be met. If no particular upgrade is selected ( 665 ), method  600  ends at  680 . If a particular upgrade is accepted ( 660 ), method  600  continues at  670 , where the card terms can be modified to the new upgrade card while keeping the unique identifier the same as the current card. Additionally, the card modification system  602  can transmit the updated benefit information to the partner system at  675 . The updated benefit information, as shown, is received at  680  by the airline partner system  601 , and can be associated with the partner system&#39;s loyalty account associated with the customer. In doing so, the upgraded benefits associated with the new card can be immediately updated at the partner system  601 , and can be used by the customer as they arrive at the lounge or otherwise attempt to use the benefits. No new physical card is needed, and the airline partner system  601  can update its records and accounts based on the upgrade confirmation from the card modification system  602 . After transmitting the benefit information to the partner system  601 , the process  600  can end at  685 . 
     Similar solutions can be implemented in any partner-related system, including hotel systems, restaurant partners, retail partners, and others. When the suitable event trigger is satisfied, the upgrade analysis can determine if one or more upgraded partner cards are available and should be offered to the customer. In response to an offer of a particular card being accepted, customers can accept and immediately begin use of those rewards through the normal course of business as a result of the communication between the financial institution and the partner system. 
     The preceding figures and accompanying description illustrate example processes and computer-implementable techniques. However, systems  100  and/or  400  (or its software or other components) contemplates using, implementing, or executing any suitable technique for performing these and other tasks. It will be understood that these processes are for illustration purposes only and that the described or similar techniques may be performed at any appropriate time, including concurrently, individually, or in combination. In addition, many of the operations in these processes may take place simultaneously, concurrently, and/or in different orders than as shown. Moreover, the described systems and flows may use processes and/or components with or performing additional operations, fewer operations, and/or different operations, so long as the methods and systems remain appropriate. 
     In other words, although this disclosure has been described in terms of certain embodiments and generally associated methods, alterations and permutations of these embodiments and methods will be apparent to those skilled in the art. Accordingly, the above description of example embodiments does not define or constrain this disclosure. Other changes, substitutions, and alterations are also possible without departing from the spirit and scope of this disclosure.