US 11,728,995 B2
Reward point transfers using blockchain
Vasudevan Swamidurai, 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 Apr. 9, 2018, as Appl. No. 15/948,834.
Prior Publication US 2019/0311392 A1, Oct. 10, 2019
Int. Cl. H04L 9/32 (2006.01); G06Q 30/0226 (2023.01); H04L 9/40 (2022.01); H04L 9/00 (2022.01); H04W 12/12 (2021.01)
CPC H04L 9/3239 (2013.01) [G06Q 30/0227 (2013.01); H04L 9/50 (2022.05); H04L 63/0442 (2013.01); H04L 63/123 (2013.01); G06Q 2220/00 (2013.01); H04W 12/12 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by a first transfer blockchain node in a blockchain network, an encrypted rewards transfer message and a rewards transfer message hash from a credit card transaction account issuer system,
wherein the encrypted rewards transfer message comprises a user credit card transaction account identifier, a points transfer amount, a rewards partner identifier, and a user rewards account partner identifier,
wherein the rewards transfer message hash is based on a rewards transfer message, and
wherein the encrypted rewards transfer message is encrypted using a rewards partner public key and a transaction network private key;
writing, by the first transfer blockchain node, the rewards transfer message hash and the encrypted rewards transfer message to a transfer blockchain;
propagating, by the first transfer blockchain node, the rewards transfer message hash and the encrypted rewards transfer message to the blockchain network;
initiating, in response to the encrypted rewards transfer message being written to the blockchain network, a transfer of reward points from a credit card transaction account of a user at a first reward loyalty program of the credit card transaction account issuer system to a rewards account of the same user at a second reward loyalty program of a rewards partner system as a loan, wherein the first reward loyalty program operates independently from the second reward loyalty program and the transferred reward points are subject to being paid back to the first reward loyalty program from the second reward loyalty program in accordance with the loan; and
generating, by the first transfer blockchain node, a rewards transfer response message comprising the user rewards account partner identifier and a transfer status, wherein the transfer status indicates a status of the transfer of reward points as being either transfer completed, transfer failed, or transfer pending.