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.
Patent No.:
Date of Patent:
Mar. 19, 2024
Filed:
Oct. 08, 2019
Capital One Services, Llc, McLean, VA (US);
Adithya Gadwale, Falls Church, VA (US);
Randolph Lillard, League City, TX (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
Systems, as described herein, may use smart contracts and distributed ledgers in distributed networks to determine points earned by consumer and settle points for merchants. Distributed ledgers in the distributed network may be used to store transactions executed by merchant digital wallets and consumer digital wallet. Smart contracts in distributed networks may be used to maintain point balances associated with the consumer digital wallets and the merchant digital wallets of the consumer, determine points earned by consumer digital wallets, settle points for merchant digital wallets, and send messages to consumer digital wallets regarding expiring points. Systems, as described herein, may also send individualized recommendations of goods and services to the consumer digital wallets.