The Toronto-Dominion Bank
Customized Credit Card Welcome Offers Based on Transactional Data

Abstract:

The present disclosure involves, systems, software, and computer-implemented methods for providing a personalized welcome offer to a customer based on the customer's transactional data. One example computer system comprises a memory storing instructions; a communications interface; and at least one hardware processor interoperably coupled with the memory and the communications interface, wherein the instructions instruct the at least one hardware processor to: identify a user from a database; generate a personalized welcome offer for the user including an offer to open an account and a personalized welcome bonus associated with the opening of the account; pre-approve the user for the personalized welcome offer; provide the personalized welcome offer to a device of the user via the communications interface; receive acceptance of the personalized welcome offer via the communications interface; and generate a data record associated with the account and initiate effects of the personalized welcome bonus upon opening the account.