The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Jan. 02, 2024

Filed:

Sep. 13, 2019
Applicant:

United Services Automobile Association (Usaa), San Antonio, TX (US);

Inventors:

Sacha Melquiades De'Angeli, San Antonio, TX (US);

Philip Andrew Leal, San Antonio, TX (US);

Assignee:
Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 40/03 (2023.01); H04L 9/06 (2006.01); H04L 9/30 (2006.01); H04L 9/00 (2022.01);
U.S. Cl.
CPC ...
G06Q 40/03 (2023.01); H04L 9/0637 (2013.01); H04L 9/0643 (2013.01); H04L 9/30 (2013.01); H04L 9/50 (2022.05); H04L 2209/56 (2013.01);
Abstract

Techniques are described for determining and tracking fractional ownership interests in an asset, using a distributed ledger. Shares in an asset, such as a house, may be offered for sale through a marketplace. Sales of the shares, and information regarding the asset, may be tracked using a distributed ledger system, such as one or more blockchains that provide immutable and secure data storage distributed across a plurality of nodes. Embodiments provide individuals with liquidity options and/or pricing options for selling shares in their home, allowing individuals to securitize interest in their own equity in the home and pre-sell shares in some of that equity without selling the entire property and without taking out a loan.


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