IP Library › Granted Patent US 12,682,195
Granted Patent B2
US 12,682,195 · App. 19/045,640 · Granted Jul 14, 2026

System and method for modifying a card issuance file

Inventor: Adrian Bloy (Toronto, CA)
Assignee: The Toronto-Dominion Bank
G06K19/06037G06F21/608
View Patent ↗
Loading inventors, assignments & file history…
Monitor This Case
Get email alerts when status or documents change.
Order Certified Copies
Most orders are placed with the USPTO same day — all within 24 business hours.
Order via The Patent Place →
Pre-filled with this patent's details
Quick Facts
Patent No.
US 12,682,195
App. No.
19/045,640
Granted
Jul 14, 2026
Kind
B2
Abstract

A system comprises a communications module; at least one processor coupled with the communications module; and a memory coupled to the processor, the memory storing processor-executable instructions that, when executed, configure the at least one processor to obtain a card issuance file that includes card data for printing a physical card; modify the card issuance file to include data for printing at least one machine-readable code on the physical card; and store the modified card issuance file in a data queue that includes a batch of card issuance files to be sent to a printing system. Sending the batch of card issuance files may be automated.

Claims (64)

1 . A system comprising:

a communications module;

at least one processor coupled with the communications module; and

a memory coupled to the processor, the memory storing processor-executable instructions that, when executed, configure the at least one processor to:

intercept a card issuance file that includes card data for printing a physical card that is to be sent to a printing system;

modify the card issuance file to include data for printing at least one machine-readable code on the physical card; and

send the modified card issuance file to the printing system.

2 . The system of claim 1 , wherein the instructions, when executed, further configure the at least one processor to:

prior to sending the modified card issuance file to the printing system, encrypt the modified card issuance file.

3 . The system of claim 1 , wherein when intercepting the card issuance file, the instructions, when executed, further configure the at least one processor to:

retrieve the card issuance file from a data queue.

4 . The system of claim 3 , wherein the data queue includes a batch of card issuance files.

5 . The system of claim 3 , wherein the instructions, when executed, further configure the at least one processor to:

store the modified card issuance file back in the data queue.

6 . The system of claim 3 , wherein the data queue is to be sent to the printing system.

7 . The system of claim 3 , wherein the instructions, when executed, further configure the at least one processor to:

encrypt the data queue; and

send the encrypted data queue to the printing system.

8 . The system of claim 1 , wherein the instructions, when executed, further configure the at least one processor to:

receive a request to modify the card issuance file to include the at least one machine-readable code on the physical card.

9 . The system of claim 1 , wherein the instructions, when executed, further configure the at least one processor to:

generate the at least one machine-readable code to provide data to a scanning device in response to being scanned by the scanning device.

10 . The system of claim 1 , wherein the instructions, when executed, further configure the at least one processor to:

analyze the card issuance file to identify at least one position for the at least one machine-readable code on the physical card, the card issuance file modified to include the data for printing the at least one machine-readable code on the physical card at the at least one position on the physical card.

11 . The system of claim 1 , wherein the instructions, when executed, further configure the at least one processor to:

send an application programming interface request that defines content to be encoded on the at least one machine-readable code;

receive an application programming interface response that includes the at least one machine-readable code;

extract image data that includes the at least one machine-readable code from the application programming interface response; and

store the image data in a database.

12 . The system of claim 11 , wherein the content to be encoded on the at least one machine-readable code includes account data received together with a request to generate the card issuance file.

13 . The system of claim 12 , wherein the account data includes loyalty point account data.

14 . The system of claim 1 , wherein sending the modified card issuance file to the printing system is automated in response to detection of a trigger condition.

15 . A computer-implemented method performed by at least one processor, the method comprising:

intercepting a card issuance file that includes card data for printing a physical card that is to be sent to a printing system;

modifying the card issuance file to include data for printing at least one machine-readable code on the physical card; and

sending the modified card issuance file to the printing system.

16 . The computer-implemented method of claim 15 , further comprising:

prior to sending the modified card issuance file to the printing system, encrypting the modified card issuance file.

17 . The computer-implemented method of claim 15 , wherein when intercepting the card issuance file, the method further comprises:

retrieving the card issuance file from a data queue.

18 . The computer-implemented method of claim 17 , wherein the data queue includes a batch of card issuance files.

19 . The computer-implemented method of claim 17 , further comprising:

storing the modified card issuance file back in the data queue.

20 . The computer-implemented method of claim 17 , wherein the data queue is to be sent to the printing system.

21 . The computer-implemented method of claim 17 , further comprising:

encrypting the data queue; and

sending the encrypted data queue to the printing system.

22 . The computer-implemented method of claim 15 , further comprising:

receiving a request to modify the card issuance file to include the at least one machine-readable code on the physical card.

23 . The computer-implemented method of claim 15 , further comprising:

generating the at least one machine-readable code to provide data to a scanning device in response to being scanned by the scanning device.

24 . The computer-implemented method of claim 15 , further comprising:

analyzing the card issuance file to identify at least one position for the at least one machine-readable code on the physical card, the card issuance file modified to include the data for printing the at least one machine-readable code on the physical card at the at least one position on the physical card.

25 . The computer-implemented method of claim 15 , further comprising:

sending an application programming interface request that defines content to be encoded on the at least one machine-readable code;

receiving an application programming interface response that includes the at least one machine-readable code;

extracting image data that includes the at least one machine-readable code from the application programming interface response; and

storing the image data in a database.

26 . The computer-implemented method of claim 25 , wherein the content to be encoded on the at least one machine-readable code includes account data received together with a request to generate the card issuance file.

27 . The computer-implemented method of claim 18 , wherein the modified card issuance file is sent to the printing system in response to detecting a trigger condition.

28 . At least one non-transitory computer readable storage medium comprising processor-executable instructions which, when executed, configure at least one processor to:

intercept a card issuance file that includes card data for printing a physical card that is to be sent to a printing system;

modify the card issuance file to include data for printing at least one machine-readable code on the physical card; and

send the modified card issuance file to the printing system.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Feb 5, 2025
From: BLOY, ADRIAN
To: THE TORONTO-DOMINION BANK
Reel/Frame 070112/0974 →
Continuity (2)
Continuation 18454866 · Aug 24, 2023
Related Publication 20250181870A1 · Jun 5, 2025
References Cited (6)
US 6202155B1 · Tushie et al. · 2001 [cited by applicant]
US 6588673B1 · Chan et al. · 2003 [cited by applicant]
US 12248830B1 · Bloy · 2025 [cited by examiner]
US 20140084071A1 · Dang et al. · 2014 [cited by applicant]
US 20160162926A1 · Patterson · 2016 [cited by examiner]
CA Office Action dated Apr. 17, 2026; CA application No. 3,210,119. [cited by applicant]