# US 2022/0284418 A1 · System and method for generating notifications based on digital wallet pass data > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2022/0284418 A1 - Document ID: US20220284418A1 - Status: Published application - Kind: A1 - Application number: 17/192,365 - Filed: 2021-03-04 - Published: 2022-09-08 - Earliest claimed: 2021-03-04 - Assignees: The Toronto-Dominion Bank - Applicants: The Toronto-Dominion Bank - Inventors: Davide IANNUZZI; Jeffrey MACDONALD; Neha Dipna KALWANI; Megan SPITALI; Aileen KHERAJ - Web page: https://patentgrep.com/patent/US20220284418A1 ## CPC - G06Q 20/342: {Cards defining paid or billed services or quantities} - G06Q 20/3672: {initialising or reloading thereof} - G06Q 20/0658: {e-cash managed locally} - G06Q 20/108: {Remote banking, e.g. home banking} - G06Q 20/349: {Rechargeable cards} - G06Q 20/3678: {e-cash details, e.g. blinded, divisible or detecting double spending} - G06Q 20/387: {Payment using discounts or coupons (relating to marketing G06Q30/02)} - G06Q 20/4014: {Identity check for transactions} - G06Q 20/4015: {using location information} - G06Q 20/405: {Establishing or using transaction specific rules} - G06Q 20/4093: {Monitoring of device authentication} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## 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 ### Claim 1 A server computer system comprising: 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. ### Claim 2 (depends on 1) The computer server system of claim 1, wherein the processor-executable instructions, when executed by the processor, configure the processor to: engage an application programming interface to analyze at least one of the location data and data associated with the value card account to identify the notification event. ### Claim 3 (depends on 1) The computer server system of claim 1, wherein when monitoring location data and data associated with the value card account to identify the notification event, the processor-executable instructions, when executed by the processor, further configure the processor to: obtain, via the communications module and from a server, the data associated with the value card account; analyze the data associated with the 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 the notification event. ### Claim 4 (depends on 1) The computer server system of claim 1, wherein the processor-executable instructions, when executed by the processor, configure the processor to: determine a conversion rate of the digital wallet pass data based on at least one of the location data or the data associated with the value card account, wherein the notification includes a selectable option to apply the digital wallet pass data to the value card account at the determined conversion rate. ### Claim 5 (depends on 4) The computer server system of claim 4, wherein the processor-executable instructions, when executed by the processor, configure the processor to: receive, via the communications module and from the computing device, a signal indicating selection of the selectable option to apply the digital wallet pass data to the value card account at the determined conversion rate; and responsive to receiving the signal indicating selection of the selectable option to apply the digital wallet pass data to the value card account at the determined conversion rate, apply the digital wallet pass data to the value card account based on the determined conversion rate. ### Claim 6 (depends on 1) The computer server system of claim 1, wherein when monitoring location data and data associated with the value card account to identify the notification event, the processor-executable instructions, when executed by the processor, further configure the processor to: receive, via the communications module and from the computing device, the location data, the location data identifying a location of the computing device; engage an application programming interface to analyze the location data to determine that the location of the computing device is within a threshold distance of a particular merchant; and responsive to determining that the location of the computing device is within the threshold distance of the particular merchant, identify the notification event. ### Claim 7 (depends on 6) The computer server system of claim 6, wherein the notification includes a selectable option to apply the digital wallet pass data to offset a future transaction at the particular merchant. ### Claim 8 (depends on 7) The computer server system of claim 7, wherein the processor-executable instructions, when executed by the processor, configure the processor to: receive, via the communications module and from the computing device, a signal indicating selection of the selectable option to offset the future transaction at the particular merchant; and responsive to receiving the signal indicating selection of the selectable option to offset the future transaction at the particular 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 digital wallet pass data. ### Claim 9 (depends on 1) The computer server system of claim 1, wherein the digital wallet pass data includes digital gift card data and the notification event is identified based at least on the location data. ### Claim 10 (depends on 1) The computer server system of claim 1, wherein the digital wallet pass data includes loyalty point data and the notification event is identified based at least on the data associated with the value card account. ### Claim 11 A computer-implemented method comprising: receiving, via a communications module and from a computing device, a signal including digital wallet pass data; storing the digital wallet pass data in association with an account; monitoring location data and data associated with a value card account to identify a notification event; responsive to identifying the notification event, generating a notification based on the digital wallet pass data; and sending, via the communication module and to the computing device, a signal causing the computing device to display the notification. ### Claim 12 (depends on 11) The computer-implemented method of claim 11, further comprising: engaging an application programming interface to analyze at least one of the location data and data associated with the value card account to identify the notification event. ### Claim 13 (depends on 11) The computer-implemented method of claim 11, wherein monitoring location data and data associated with the value card account to identify the notification event comprises: obtaining, via the communications module and from a server, the data associated with the value card account; analyzing the data associated with the 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 the notification event. ### Claim 14 (depends on 11) The computer-implemented method of claim 11, further comprising: determining a conversion rate of the digital wallet pass data based on at least one of the location data or the data associated with the value card account, wherein the notification includes a selectable option to apply the digital wallet pass data to the value card account at the determined conversion rate. ### Claim 15 (depends on 14) The computer-implemented method of claim 14, further comprising: receiving, via the communications module and from the computing device, a signal indicating selection of the selectable option to apply the digital wallet pass data to the value card account at the determined conversion rate; and responsive to receiving the signal indicating selection of the selectable option to apply the digital wallet pass data to the value card account at the determined conversion rate, applying the digital wallet pass data to the value card account based on the determined conversion rate. ### Claim 16 (depends on 11) The computer-implemented method of claim 11, wherein monitoring location data and data associated with the value card account to identify the notification event comprises: receiving, via the communications module and from the computing device, the location data, the location data identifying a location of the computing device; engaging an application programming interface to analyze the location data to determine that the location of the computing device is within a threshold distance of a particular merchant; and responsive to determining that the location of the computing device is within the threshold distance of the particular merchant, identifying the notification event. ### Claim 17 (depends on 16) The computer-implemented method of claim 16, wherein the notification includes a selectable option to apply the digital wallet pass data to offset a future transaction at the particular merchant. ### Claim 18 (depends on 17) The computer-implemented method of claim 17, further comprising: receiving, via the communications module and from the computing device, a signal indicating selection of the selectable option to offset the future transaction at the particular merchant; and responsive to receiving the signal indicating selection of the selectable option to offset the future transaction at the particular 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 digital wallet pass data. ### Claim 19 (depends on 11) The computer-implemented method of claim 11, wherein at least one of the digital wallet pass data includes digital gift card data and the notification event is identified based at least on the location data or the digital wallet pass data includes loyalty point data and the notification event is identified based at least on the data associated with the value card account. ### Claim 20 A non-transitory computer readable storage medium comprising computer-executable instructions which, when executed, configure a processor to: receive, via a 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.