US 11,669,841 B2
Systems and methods for blockchain based payment networks
Sastry Durvasula, Phoenix, AZ (US); Andras Ferenczi, Peoria, AZ (US); Upendra Mardikar, San Jose, CA (US); Keshav Narsipur, Chandler, AZ (US); Vishnuvajhala Subrahmanyam, Phoenix, AZ (US); and Sathish B. Muthukrishnan, Phoenix, AZ (US)
Assigned to American Express Travel Related Services Company, Inc., New York, NY (US)
Filed by American Express Travel Related Services Company, Inc., New York, NY (US)
Filed on Oct. 12, 2020, as Appl. No. 17/68,439.
Application 17/068,439 is a continuation of application No. 15/266,350, filed on Sep. 15, 2016, granted, now 10,832,247.
Prior Publication US 2021/0042758 A1, Feb. 11, 2021
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/10 (2012.01); G06Q 20/38 (2012.01); G06Q 20/36 (2012.01)
CPC G06Q 20/4016 (2013.01) [G06Q 20/10 (2013.01); G06Q 20/3678 (2013.01); G06Q 20/389 (2013.01); G06Q 20/3829 (2013.01)] 21 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
preparing a request to complete a transaction from an account associated with a payer digital wallet residing on a payer user device for entry on a blockchain on a blockchain-based peer-to-peer payment network, the request to complete the transaction including an amount and a payee identifier associated with a payee digital wallet;
sending the request to complete the transaction to a digital currency smart contract residing on the blockchain-based peer-to-peer payment network;
approving, by the digital currency smart contract residing on the blockchain-based peer-to-peer payment network, the request to complete the transaction on the blockchain-based peer-to-peer payment network;
adjusting, by the digital currency smart contract residing on the blockchain-based peer-to-peer payment network, a balance of the payer digital wallet and a balance of the payee digital wallet in response to approval of the request to complete the transaction on the blockchain-based peer-to-peer payment network by at least writing a portion of data associated with the transaction comprising the amount and the payee identifier to the blockchain on the blockchain-based peer-to-peer payment network;
recording, by a reputation ledger smart contract residing on the blockchain-based peer-to-peer payment network, a reputation ledger associated with the account associated with a payer digital wallet in the blockchain on the blockchain-based peer-to-peer payment network in association with the transaction, the reputation ledger including at least one reputation score based on at least one previous transaction conducted by the account of the payer digital wallet; and
causing the payer digital wallet to display an information alert when the payer user device is offline from the blockchain-based peer-to-peer payment network.