IP Library Granted Patent US 11,200,546
Granted Patent B1
US 11,200,546 · App. 16/569,212 · Granted Dec 14, 2021

Distributed ledger receipt wallet system and method

Inventor: Jon Fisher (San Antonio, TX)
Assignee: United Services Automobile Association (USAA)
G06Q20/047G06Q20/202G06Q20/36G06Q20/389
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Quick Facts
Patent No.
US 11,200,546
App. No.
16/569,212
Granted
Dec 14, 2021
Kind
B1
Abstract

Techniques are described for creating and tracking receipts via a digital distributed ledger system. The techniques include receiving a purchase data, and transforming the purchase data into at least one receipt trail record. The techniques further include storing the receipt trail record in a least one block of digital distributed ledger system. The techniques additionally include distributing the at least one block among nodes of the digital distributed ledger system, wherein the digital distributed ledger system is configured to immutably store the data of the receipt trail record.

Claims (34)

1. A receipt wallet system comprising:

a first processor; and

a first memory communicatively coupled to the first processor, the first memory storing instructions which, when executed, cause the first processor to perform operations comprising:

receiving completed purchase data, the completed purchase data comprising data indicative of an asset and a purchase price paid for the asset;

transforming the completed purchase data into a receipt trail record;

storing the receipt trail record in at least one block of a digital distributed ledger system; and

distributing the at least one block among nodes of the digital distributed ledger system, wherein the digital distributed ledger system is configured to immutably store the receipt trail record.

2. The system of claim 1 , wherein the receipt trail record comprises a physical asset receipt record corresponding to the asset and the purchase price paid for the asset.

3. The system of claim 1 , wherein transforming the completed purchase data into the receipt trail record comprises linking at least one seller verification record to at least one buyer verification record as a linked record, and storing the linked record, the at least one seller verification record, and the at least one buyer verification record in the receipt trail record.

4. The system of claim 3 , wherein the at least one seller verification record comprises a first encrypted record uniquely identifying a store, a service provider, or a combination thereof, as a seller of a physical item corresponding to the asset.

5. The system of claim 4 , wherein the at least one buyer verification record comprises a second encrypted record uniquely identifying a buyer of the physical item.

6. The system of claim 1 , wherein receiving the completed purchase data comprises receiving a wireless communication that includes the completed purchase data from a point of sale system.

7. The system of claim 1 , wherein receiving the completed purchase data comprises receiving an email communication that includes the completed purchase data, and wherein transforming the completed purchase data into the receipt trail record comprises using a template to transform the email communication into the receipt trail record.

8. The system of claim 1 , comprising storing a wallet owner identification record in the digital distributed ledger system prior to transforming the completed purchase data into the receipt trail record.

9. The system of claim 1 , wherein the digital distributed ledger is configured to immutably store the receipt trail record via a peer-to-peer network.

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

receiving completed purchase data indicative of a completed purchase for a physical asset;

transforming the completed purchase data into a receipt trail record;

storing the receipt trail record in a least one block of a digital distributed ledger system; and

distributing the at least one block among nodes of the digital distributed ledger system, wherein the digital distributed ledger system is configured to immutably store the receipt trail record.

11. The method of claim 10 , wherein transforming the completed purchase data into the receipt trail record comprises linking at least one seller verification record to at least one buyer verification record as a linked record, and storing the linked record, the at least one seller verification record, and the at least one buyer verification record in the receipt trail record.

12. The method of claim 10 , wherein receiving the completed purchase data comprises receiving a wireless communication that includes the completed purchase data from a point of sale system.

13. The method of claim 10 , wherein receiving the completed purchase data comprises receiving an email communication that includes the completed purchase data, and wherein transforming the completed purchase data into the receipt trail record comprises using a template to transform the email communication into the receipt trail record.

14. The method of claim 10 , comprising preparing a receipts audit report based on the receipt trail record by querying the digital distributed ledger system for a subset of data.

15. The method of claim 14 , wherein the subset of data comprises a tax-based subset, an internal corporate audit subset, a personal expenditures subset, or a combination thereof.

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

receiving purchase data indicative of a completed transaction of a physical asset and a purchase price paid for the physical asset;

transforming the purchase data into a receipt trail record indicating the physical asset and the purchase price paid for the physical asset;

storing the receipt trail record in a least one block of a digital distributed ledger system; and

distributing the at least one block among nodes of the digital distributed ledger system, wherein the digital distributed ledger system is configured to immutably store the receipt trail record.

17. The one or more non-transitory computer-readable storage media of claim 16 , wherein transforming the purchase data into the one receipt trail record comprises linking at least one seller verification record to at least one buyer verification record as a linked record, and storing the linked record, the at least one seller verification record, and the at least one buyer verification record in the receipt trail record.

18. The one or more non-transitory computer-readable storage media of claim 16 , wherein receiving the purchase data comprises receiving a wireless communication that includes the purchase data from a point of sale system.

19. The one or more non-transitory computer-readable storage media of claim 16 , wherein receiving the purchase data comprises receiving an email communication that includes the purchase data, and wherein transforming the purchase data into the receipt trail record comprises using a template to transform the email communication into the receipt trail record.

20. The one or more non-transitory computer-readable storage media of claim 16 , wherein the instructions, when executed, cause the at least one processor to perform operations comprising preparing a receipts audit report based on the receipt trail record by querying the digital distributed ledger system for a subset of data.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Nov 9, 2021
From: UIPCO, LLC
To: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Reel/Frame 058057/0910 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Sep 12, 2019
From: FISHER, JON
To: UIPCO, LLC
Reel/Frame 050363/0707 →
Continuity (1)
Provisional Application 62811357 · Feb 27, 2019
Cited By (1)
US 12,547,980