US 12,481,979 B2
Hyper-personalized identity-based financial system
Rares Ioan Almasan, Phoenix, AZ (US); Rebecca L. Henry, Phonix, AZ (US); Swatee Singh, Scottsdale, AZ (US); and Kenneth M. Wolf, Perrineville, NJ (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 Dec. 27, 2023, as Appl. No. 18/397,331.
Application 18/397,331 is a continuation of application No. 16/418,430, filed on May 21, 2019, abandoned.
Prior Publication US 2024/0127224 A1, Apr. 18, 2024
Int. Cl. G06Q 20/36 (2012.01); G06N 20/00 (2019.01); G06Q 20/40 (2012.01); G06Q 20/42 (2012.01); H04L 9/06 (2006.01)
CPC G06Q 20/3672 (2013.01) [G06N 20/00 (2019.01); G06Q 20/4014 (2013.01); G06Q 20/425 (2013.01); H04L 9/0637 (2013.01); G06Q 2220/00 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method, comprising:
receiving, by a first computing device, an interconnected transaction request generated by a knowledge system for a user based in part on data from an interconnected transaction ledger, where the interconnected transaction request comprises a first subsystem identifier representing a first subsystem, a second subsystem identifier representing a second subsystem, and a transaction request representing a transaction between the first subsystem and the second subsystem;
identifying, by the first computing device, the first subsystem from the first subsystem identifier of the interconnected transaction request;
identifying, by the first computing device, the second subsystem from the second subsystem identifier of the interconnected transaction request;
generating, by the first computing device, an interconnected transaction comprising the first subsystem identifier, the second subsystem identifier, and the transaction request; and
writing, by the first computing device, the interconnected transaction to the interconnected transaction ledger, wherein the interconnected transaction can be retrieved by the second subsystem to complete the transaction between the first subsystem and the second subsystem.