IP Library › Granted Patent US 12675819
Granted Patent B1
US 12675819 · App. 18/823,022 · Granted Jul 7, 2026

Systems and methods for bartering services and goods using distributed ledger techniques

Inventors: Ashley Raine Philbrick (San Antonio, TX); Oscar Guerra (San Antonio, TX); Kelly Q. Baker (San Antonio, TX); Carlos JP Chavez (San Antonio, TX); Yevgeniy Viatcheslavovich Khmelev (San Antonio, TX); Theresa Marie Matowitz (San Antonio, TX)
Assignee: United Services Automobile Association (USAA)
G06Q30/08G06Q50/188H04L9/0643H04L9/50
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Quick Facts
Patent No.
US 12675819
App. No.
18/823,022
Granted
Jul 7, 2026
Kind
B1
Abstract

Systems and methods described herein track bartering using distributed ledger techniques to, for example, facilitate the establishment of a bartering marketplace that enables users to barter for, and ultimately exchange, services and/or goods with each other. In certain embodiments, a monetary value may be assigned to each service and/or good to be bartered to establish appropriate bartering baselines. In addition, in certain embodiments, additional monetary value exchanges may be tracked for particular exchanges to make sure that the exchanges are fair.

Claims (43)

1 . A system comprising:

at least one processor; and

at least one non-transitory computer-readable storage media communicatively coupled to the at least one processor, the at least one non-transitory computer-readable storage media storing instructions which, when executed by the at least one processor, cause the at least one processor to perform operations comprising:

using artificial intelligence algorithms to automatically iteratively derive one or more matching algorithms based on data relating to prior barter processes stored in a blockchain network;

using the one or more matching algorithms to automatically match a first user with a second user to establish a bartering process between the first user and the second user;

receiving data relating to a bartering offer between the first user and the second user, wherein the bartering offer relates to one or more personal tasks to be performed by the first user or the second user and/or personal property to be exchanged between the first user and the second user;

converting the data relating to the bartering offer into binary code suitable for storage in the blockchain network;

storing the converted data relating to the bartering offer in the blockchain network;

receiving data relating to a bartering counteroffer to the bartering offer between the first user and the second user, wherein the bartering counteroffer comprises at least one change to the one or more personal tasks and/or the personal property;

converting the data relating to the bartering counteroffer into binary code suitable for storage in the blockchain network; and

storing the converted data relating to the bartering counteroffer in the blockchain network.

2 . The system of claim 1 , wherein the operations comprise using the one or more matching algorithms to identify that the first user or the second user has particular needs that may be met by the other user.

3 . The system of claim 2 , wherein the operations comprise using the one or more matching algorithms to identify that the first user or the second user has the particular needs that may be met by the other user without any indication from the first user or the second user that the particular needs are wanted or available.

4 . The system of claim 1 , wherein the operations comprise using the artificial intelligence algorithms to identify that the first user or the second user has performed a particular personal task in the past.

5 . The system of claim 1 , wherein the operations comprise using the artificial intelligence algorithms to identify that the first user is located geographically close to the second user.

6 . The system of claim 1 , wherein the operations comprise verifying completion of an exchange of the one or more personal tasks performed by the first user or the second user and/or the personal property exchanged between the first user and the second user.

7 . A method performed by at least one processor, the method comprising:

using artificial intelligence algorithms to automatically iteratively derive one or more matching algorithms based on data relating to prior barter processes stored in a blockchain network;

using the one or more matching algorithms to automatically match a first user with a second user to establish a bartering process between the first user and the second user;

receiving data relating to a bartering offer between the first user and the second user, wherein the bartering offer relates to one or more personal tasks to be performed by the first user or the second user and/or personal property to be exchanged between the first user and the second user;

converting the data relating to the bartering offer into binary code suitable for storage in the blockchain network;

storing the converted data relating to the bartering offer in the blockchain network;

receiving data relating to a bartering counteroffer to the bartering offer between the first user and the second user, wherein the bartering counteroffer comprises at least one change to the one or more personal tasks and/or the personal property;

converting the data relating to the bartering counteroffer into binary code suitable for storage in the blockchain network; and

storing the converted data relating to the bartering counteroffer in the blockchain network.

8 . The method of claim 7 , comprising using the one or more matching algorithms to identify that the first user or the second user has particular needs that may be met by the other user.

9 . The method of claim 8 , comprising using the one or more matching algorithms to identify that the first user or the second user has the particular needs that may be met by the other user without any indication from the first user or the second user that the particular needs are wanted or available.

10 . The method of claim 7 , comprising using the artificial intelligence algorithms to identify that the first user or the second user has performed a particular personal task in the past.

11 . The method of claim 7 , comprising using the artificial intelligence algorithms to identify that the first user is located geographically close to the second user.

12 . The method of claim 7 , comprising verifying completion of an exchange of the one or more personal tasks performed by the first user or the second user and/or the personal property exchanged between the first user and the second user.

13 . One or more non-transitory computer-readable storage media storing instructions which, when executed by at least one processor, cause the at least one processor to perform operations comprising:

using artificial intelligence algorithms to automatically iteratively derive one or more matching algorithms based on data relating to prior barter processes stored in a blockchain network;

using the one or more matching algorithms to automatically match a first user with a second user to establish a bartering process between the first user and the second user;

receiving data relating to a bartering offer between the first user and the second user, wherein the bartering offer relates to one or more personal tasks to be performed by the first user or the second user and/or personal property to be exchanged between the first user and the second user;

converting the data relating to the bartering offer into binary code suitable for storage in the blockchain network;

storing the converted data relating to the bartering offer in the blockchain network;

receiving data relating to a bartering counteroffer to the bartering offer between the first user and the second user, wherein the bartering counteroffer comprises at least one change to the one or more personal tasks and/or the personal property;

converting the data relating to the bartering counteroffer into binary code suitable for storage in the blockchain network; and

storing the converted data relating to the bartering counteroffer in the blockchain network.

14 . The one or more non-transitory computer-readable storage media of claim 13 , wherein the operations comprise using the one or more matching algorithms to identify that the first user or the second user has particular needs that may be met by the other user.

15 . The one or more non-transitory computer-readable storage media of claim 14 , wherein the operations comprise using the one or more matching algorithms to identify that the first user or the second user has the particular needs that may be met by the other user without any indication from the first user or the second user that the particular needs are wanted or available.

16 . The one or more non-transitory computer-readable storage media of claim 13 , wherein the operations comprise using the artificial intelligence algorithms to identify that the first user or the second user has performed a particular personal task in the past.

17 . The one or more non-transitory computer-readable storage media of claim 13 , wherein the operations comprise using the artificial intelligence algorithms to identify that the first user is located geographically close to the second user.