American Express Travel Related Services Company, Inc.

Ally Financial Inc.

Harish R Naik

Andras L Ferenczi

Nilesh Yashavant Jadhav

Dallas L Gale

Balaji Balaraman

Satish Thenthiruperai Narayanan

Sastry Vsm Durvasula

Sathish B Muthukrishnan

Vinod Yadav

Madhu Sudhan Reddy Gudur

Anand Bhushan

Sanjay S Gwalani

Sharon Gail Barnes

Kerry A Marisa

Steven Wayne Mingl

Dzmitry Dubarau

Kevin R Murphy

Amber G Gupta

Arvy Rajasekaran

Jared Allmond

Dallas Gale

Ashish Kumar

Vishnuvajhala Subrahmanyam

Christopher P Cracchiolo

Faraz Babar

Sachin Arya

Calvin Chan

Lavanya Venkatanarayanan

Andrew Martin Baal Thomas

Sathish Muthukrishnan

Aimee Cardwell

Rahul Agarwal

Neha Singh

Sandeep Bose

Sastry V S M Durvasula

Priyadarshini Koul

Premkumar Manivannan

Jane E Cook

Brian C Rosenfield

Ajay Paul Singh Manesh

Nat Grauman

Michael B Macal

Rosa W Tang

Amit Prakash Gupta

Michael Parello

Jordan Gilliam

Eric C Beck

Anadi Bhalla

Abdul A Habib

Preeti Jain

Systems and methods for transaction authorizations using a distributed database are disclosed. The system may allow registered transaction account holders and merchants to interact and complete transactions according to workflows enforced by smart contracts. The system may include an issuer system that receives a transaction authorization request comprising a merchant ID, a transaction account number, a transaction amount, and a transaction ID. The issuer system may retrieve a merchant public key and a smart contract based on the merchant ID, and a user public key based on the transaction account number. The issuer system may invoke the smart contract by passing the user public key and the transaction ID to the smart contract. The system may propagate transaction data (e.g., the merchant ID, the transaction account number, the payment amount, a transaction status, etc.) to a blockchain network for writing to a blockchain according to the invoked smart contract.

Transaction authorization process using blockchain

A blockchain-based loyalty point system that comprises a host computing device for interfacing with authorized devices and loyalty partner websites in a loyalty point network. In one example, the loyalty point network includes a blockchain network and a host computing device. The host computing device is configured to receive a registration request from a client device for access to the loyalty point network. The host computing device causes a registration proposal for the client device to be written to the blockchain network and receives a point adjustment request from a loyalty partner website. The host computing device executes a smart contract in response to receiving the point adjustment request from the loyalty partner website, and the smart contract is executed to adjust the account balance of the customer account based at least in part on the point adjustment request.

Systems and methods for loyalty point distribution

Systems and methods for the maintenance of merchant-stored transaction account data are disclosed. The system may include various merchant systems and issuer systems in communication via a blockchain network. The system provides a process for collaboration between various issuer systems and merchant systems to update and maintain merchant stored transaction account data in response to changes, cancellations, updates, or the like in various stored transaction account.

Transaction account data maintenance using blockchain

A blockchain-based multi-merchant loyalty point partnership system may include a blockchain API host that is configured to generate a reward based at least in part on transaction data received from a web site. In one example, a system is configured to receive a loyalty account and transaction data for a completed purchase from a loyalty partner site. A partnership smart contract is executed to validate that the transaction data meets a purchase requirement parameter of the partnership smart contract. A transaction record is stored which indicates that the loyalty account has the transaction data for meeting the purchase requirement parameter. The transaction record is transmitted to consensus participants associated with the blockchain network.

Methods, systems, and devices to support techniques for dynamically and securely managing user rewards are described. A system may issue digital assets that include a user-specific code to a user, and the system may store the digital assets on a distributed ledger (e.g., in a digital wallet associated with the user). The system may issue one or more digital assets to the user in response to determining that the user has performed one or more actions corresponding to the one or more digital assets. In some examples, each digital asset may include a same user-specific code, such as a quick response (QR) code, embedded in a respective image associated with each digital asset. The user may present an owned digital asset to a third-party vendor, and the third-party vendor may scan the user-specific code associated with the digital asset to identify and provide rewards available to the user.

Techniques for dynamically and securely managing user rewards

Methods, systems, and devices are described. A virtual environment may perform a multi-step authentication process to verify identities of both a user and a representative of an organization interacting within the virtual environment. Within the virtual environment, the representative may perform a first verification process to verify the identity of the user and the representative by validating the user's account information and an identifier of the representative against a distributed ledger. Upon success of the first verification process, the representative may initiate a second verification process. As part of the second verification process, the distributed ledger may provide one or more questions posed to the user by the representative, which may be answered within the virtual environment, external to the virtual environment, or both. Upon the user successfully answering the one or more questions, the virtual environment may display an indication that the user and the representative are verified.

Techniques for establishing trusted environments within a metaverse

Methods, systems, and devices are described. Indoor wayfinding may be performed using a set of layers overlayed on a map, such as a site map of the surrounding environment of a building, using a combination of static and dynamic images. For example, a user device may transmit a request to a server for a route to a desired location of a floor of a building. In some cases, the server may, in response to the request, generate the route using a set of map layers that includes a static image of the site, a static image of a floor plan of the floor housing the location, a vector image of features such as rooms and offices of the floor that includes the desired location, and a vector image of a route from a starting location of the floor, such as an entrance or elevator, and the desired location.

Techniques for indoor wayfinding

A consumer may enroll in an event gamification system. An event listener may detect an event. The event gamification system may determine that the event qualifies for a game in which the consumer is enrolled. The event gamification system may transmit an achievement notification to the consumer as soon as the event occurs. The game may be displayed in a GUI on a consumer device. The consumer may be rewarded for completing the achievements in the game. Also, a server computer receiving a plurality of data sets that represent visually perceptible elements for a plurality of host web pages, wherein each of the plurality of host web pages displays an active link associated with a product on a merchant web page. The server automatically generating composite web page from: i) the particular data set associated with the particular host web page and the particular set of visually perceptible elements and ii) the related electronic content associated with the product from the merchant web page.

Event gamification in real time

A single sign-on system using blockchain is disclosed. The single sign-on system may interconnect various organization systems over a peer-to-peer network, with each organization system having a blockchain node and an application programming interface (API). The blockchain node invokes and uses a smart contract to write registration credentials to the blockchain during a registration process. During a login process, the blockchain node invokes the smart contract to determine whether login credentials match stored login credentials in the blockchain. In response to matching login credentials, the API may generate a single sign-on token that can be used by a user device to access one or more organization systems connected over the network.

Single sign-on solution using blockchain

A zero knowledge proof purchase system and process using blockchain is disclosed. The system may comprise a customer device, a merchant system, an issuer system, and a blockchain network having a zero-knowledge proof (ZKP) smart contract. The system may implement a zero-knowledge proof algorithm having a key generator function, a proof function, and a validate function. Each function may be configured to perform various tasks in the system to support and enable zero-knowledge proof purchases.

Zero-knowledge proof payments using blockchain

A system may deliver personalized content to a user. The system may create a user persona based on demographic information and stored clickstream data of the user. The system may learn which functionalities the user typically uses on a webpage, and the system may create a personalized version of the webpage for the user.

Personalization using clickstream data

A zero-knowledge proof purchase system and process using blockchain is disclosed. The system may comprise a customer device, a merchant system, an issuer system, and a blockchain network having a zero-knowledge proof (ZKP) smart contract. The system may implement a zero-knowledge proof algorithm haying a key generator function, a proof function, and a validate function. Each function may be configured to perform various tasks in the system to support and enable zero-knowledge proof purchases.

A blockchain-based multi-merchant loyalty point partnership system may include a blockchain API host that receives a request to create a partnership smart contract for a multi-merchant loyalty point partnership. The request may specify various partnership parameters to include in the partnership smart contract. The blockchain API host may create the partnership smart contract and write the partnership smart contract to a blockchain. One or more qualified merchants may join the partnership smart contract to make the partnership active. In response to a customer completing a plurality of purchases that complete the partnership parameters of the partnership smart contract, the system may issue the customer a purchase reward which may include a loyalty point payout.

Multi-merchant loyalty point partnership

Growing community of inventors

Phoenix, AZ, United States of America

Harish R Naik