may include the steps of generating a transaction tool operation request signal wherein the transaction tool operation request signal includes a request for a new transaction tool and or an updated transaction tool transmitting the transaction tool operation request signal to a transaction tool issuer receiving a transaction tool update signal from the transaction tool issuer wherein the transaction tool update signal includes a new transaction tool and or an updated transaction tool determining the recipient and transmitting the transaction tool update signal to the recipient application_number US 17661205 A description in view of the foregoing one or more embodiments of the present invention may provide one or more of the following advantages decrease the amount of human intervention required to acquire and or update i e renew revoke etc a transaction tool increase transaction efficiency and or reduce transaction failures resulting from missing and or outdated transaction tools referring to fig1 a block diagram of a system 100 for promulgating a transaction tool to a recipient in accordance with one non limiting aspect of the present invention is shown the system 100 generally comprises a transaction tool issuer 102 a transaction tool holder 104 and a recipient device 106 the transaction tool issuer i.