Loyalty program account management system and method

ChangeBridge: Patent Apps - Business Methods (G06Q)

Detected March 26th, 2026

Summary

The USPTO has published a patent application for a system and method for managing loyalty program accounts, assigned to The Toronto-Dominion Bank. The application details a method for integrating loyalty tracking with transaction channels to automatically apply loyalty rewards.

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What changed

This document is a published patent application (US20260087489A1) for a system and method related to loyalty program account management. The application, assigned to The Toronto-Dominion Bank, describes a process executed by a device that provides access to a loyalty wallet application. This application stores loyalty account information and integrates with transaction channels to detect eligible transactions for loyalty rewards, modifying the transaction to obtain the reward before completion.

While this is a patent application and not a regulation, it outlines a technological approach that could impact how financial institutions and retailers manage customer loyalty programs. Compliance officers should be aware of such technological advancements that may influence future consumer finance practices and data handling requirements related to loyalty programs. No immediate compliance actions are required as this is a patent publication.

Source document (simplified)

← USPTO Patent Applications

System and Method for Managing Loyalty Program Accounts

Application US20260087489A1 Kind: A1 Mar 26, 2026

Assignee

The Toronto-Dominion Bank

Inventors

Alexander Christian Raphael VENDITTI, Jenny Wai Ching FUNG-PELOSO, Jennifer Marie deLAGRAN

Abstract

A system and method are provided for managing loyalty program accounts. The method is executed by a device and includes providing, from the device, access to a loyalty wallet application. The method also includes storing loyalty account information for a plurality of loyalty accounts in the loyalty wallet application and integrating a loyalty tracking application, operable from the device, with at least one transaction channel accessed via the device. The method also includes receiving transaction data from the at least one transaction channel; detecting, from the transaction data, that a transaction yet to be executed is eligible for a loyalty reward associated with one or more of the plurality of loyalty accounts; and modifying the transaction to use corresponding loyalty account information to obtain the loyalty reward. The method also includes enabling the modified transaction to be completed to obtain the loyalty reward.