IP Library › Granted Patent US 12,265,959
Granted Patent B2
US 12,265,959 · App. 18/337,586 · Granted Apr 1, 2025

System and method for generating notifications based on digital wallet pass data

Inventors: Davide Iannuzzi (North York, CA); Jeffrey MacDonald (Ottawa, CA); Neha Dipna Kalwani (Toronto, CA); Aileen Kheraj (North York, CA)
Assignee: The Toronto-Dominion Bank
G06Q20/3672G06Q20/0658G06Q20/349G06Q20/3678G06Q20/387G06Q20/4015G06Q20/405G06Q20/4093
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Quick Facts
Patent No.
US 12,265,959
App. No.
18/337,586
Granted
Apr 1, 2025
Kind
B2
Abstract

A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal including digital wallet pass data; store the digital wallet pass data in association with an account; monitor location data and data associated with a value card account to identify a notification event; responsive to identifying the notification event, generate a notification based on the digital wallet pass data; and send, via the communication module and to the computing device, a signal causing the computing device to display the notification.

Claims (55)

1. A server computer system comprising:

a communications module;

a processor in communication with the communications module over a communication bus; and

a memory in communication with the processor over the communication bus and storing processor-executable instructions which, when executed by the processor, configure the processor to:

determine, by engaging at least one application programming interface, that a computing device is within a threshold distance of a geofence representing a virtual boundary set up around a geographic location of a merchant;

responsive to determining that the computing device is within the threshold distance of the geofence representing the virtual boundary set up around the geographic location of the merchant, identify a notification event for at least one digital wallet pass active in a digital wallet application resident on the computing device;

responsive to identifying the notification event, generate a notification based on the at least one digital wallet pass, the notification including a selectable option to apply the at least one digital wallet pass to offset a future transaction at the merchant;

send, via the communications module and to the computing device, a signal causing the computing device to display the notification;

receive, via the communications module and from the computing device, a signal indicating selection of the selectable option to apply the at least one digital wallet pass to offset the future transaction at the merchant; and

responsive to receiving the signal indicating selection of the selectable option to apply the at least one digital wallet pass to offset the future transaction at the merchant, send, via the communications module and to the computing device, a signal causing the computing device to display a machine-readable code associated with the at least one digital wallet pass.

2. The computer server system of claim 1 , wherein the processor-executable instructions, when executed by the processor, configure the processor to:

obtain real-time data associated with the at least one digital wallet pass active in the digital wallet application.

3. The computer server system of claim 1 , wherein the processor-executable instructions, when executed by the processor, configure the processor to:

engage another application programming interface to analyze data associated with a value card account to identify another notification event.

4. The computer server system of claim 1 , wherein the processor-executable instructions, when executed by the processor, further configure the processor to:

analyze data associated with a value card account to determine that a transaction has been completed at a particular merchant; and

responsive to determining that the transaction has been completed at the particular merchant, identify another notification event.

5. The computer server system of claim 1 , wherein the notification includes another selectable option to apply the at least one digital wallet pass to a value card account.

6. The computer server system of claim 1 , wherein the at least one digital wallet pass includes a digital gift card.

7. The computer server system of claim 1 , wherein the at least one digital wallet pass includes a digital loyalty point card.

8. The computer server system of claim 1 , wherein the merchant includes a merchant associated with the at least one digital wallet pass.

9. The computer server system of claim 1 , wherein the processor-executable instructions, when executed by the processor, further configure the processor to:

determine that the at least one digital wallet pass has been used to complete the future transaction at the merchant;

obtain an updated balance of the at least one digital wallet pass; and

send, via the communications module and to the computing device, a signal causing the computing device to display the updated balance of the at least one digital wallet pass.

10. The computer server system of claim 1 , wherein the machine-readable code includes at least one of a Quick Response (QR) code or a barcode.

11. A computer-implemented method comprising:

determining, by engaging at least one application programming interface, that a computing device is within a threshold distance of a geofence representing a virtual boundary set up around a geographic location of a merchant;

responsive to determining that the computing device is within the threshold distance of the geofence representing the virtual boundary set up around the geographic location of the merchant, identifying a notification event for at least one digital wallet pass active in a digital wallet application resident on the computing device;

responsive to identifying the notification event, generating a notification based on the at least one digital wallet pass, the notification including a selectable option to apply the at least one digital wallet pass to offset a future transaction at the merchant;

sending, via a communications module and to the computing device, a signal causing the computing device to display the notification;

receiving, via the communications module and from the computing device, a signal indicating selection of the selectable option to apply the at least one digital wallet pass to offset the future transaction at the merchant; and

responsive to receiving the signal indicating selection of the selectable option to apply the at least one digital wallet pass to offset the future transaction at the merchant, sending, via the communications module and to the computing device, a signal causing the computing device to display a machine-readable code associated with the at least one digital wallet pass.

12. The computer-implemented method of claim 11 , further comprising:

obtaining real-time data associated with the at least one digital wallet pass active in the digital wallet application.

13. The computer-implemented method of claim 11 , further comprising:

engaging another application programming interface to analyze data associated with a value card account to identify another notification event.

14. The computer-implemented method of claim 11 , further comprising:

analyzing data associated with a value card account to determine that a transaction has been completed at a particular merchant; and

responsive to determining that the transaction has been completed at the particular merchant, identifying another notification event.

15. The computer-implemented method of claim 11 , wherein the notification includes another selectable option to apply the at least one digital wallet pass to a value card account.

16. The computer-implemented method of claim 11 , wherein the at least one digital wallet pass includes a digital gift card or a digital loyalty point card.

17. The computer-implemented method of claim 11 , wherein the merchant includes a merchant associated with the at least one digital wallet pass.

18. The computer-implemented method of claim 11 , further comprising:

determining that the at least one digital wallet pass has been used to complete the future transaction at the merchant;

obtaining an updated balance of the at least one digital wallet pass; and

sending, via the communications module and to the computing device, a signal causing the computing device to display the updated balance of the at least one digital wallet pass.

19. The computer-implemented method of claim 11 , wherein the machine-readable code includes at least one of a Quick Response (QR) code or a barcode.

20. A non-transitory computer readable storage medium comprising computer-executable instructions which, when executed, configure a processor to:

determine, by engaging at least one application programming interface, that a computing device is within a threshold distance of a geofence representing a virtual boundary set up around a geographic location of a merchant;

responsive to determining that the computing device is within the threshold distance of the geofence representing the virtual boundary set up around the geographic location of the merchant, identify a notification event for at least one digital wallet pass active in a digital wallet application resident on the computing device;

responsive to identifying the notification event, generate a notification based on the at least one digital wallet pass;

send, via a communications module and to the computing device, a signal causing the computing device to display the notification;

receive, via the communications module and from the computing device, a signal indicating selection of the selectable option to apply the at least one digital wallet pass to offset the future transaction at the merchant; and

responsive to receiving the signal indicating selection of the selectable option to apply the at least one digital wallet pass to offset the future transaction at the merchant, send, via the communications module and to the computing device, a signal causing the computing device to display a machine-readable code associated with the at least one digital wallet pass.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jun 20, 2023
From: IANNUZZI, DAVIDE; MACDONALD, JEFFREY; KALWANI, NEHA DIPNA; KHERAJ, AILEEN
To: THE TORONTO-DOMINION BANK
Reel/Frame 063994/0184 →
Continuity (2)
Continuation 17192365 · Mar 4, 2021
Related Publication 20230334474A1 · Oct 19, 2023
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