Method of promulgating a transaction tool to a recipient

A method for using an update engine to promulgate a transaction tool to a recipient. The method 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.