Inter-entity non-monetary transactions
Various embodiments herein each include at least one of systems, methods, software, and data structures that facilitate inter-entity non-monetary transactions. Some such embodiments include a single account identifier per consumer that is utilized across multiple entities to identify a single award account which is credited and debited in the consumer's transactions with all participating entities. One method embodiment includes receiving a unique account identifier within a transaction involving an account of the unique account identifier and calculating a value based on the transaction for transfer to the account of the account identifier. The method then generates a data structure in memory to transfer the calculated value to the account of the account identifier and signing the data structure in the memory with a private key of a private/public key-pair. The method then transmits the data structure to a computing system storing a replicated trusted ledger used to maintain value balances.
1. A method comprising:
receiving, at a point of sale (POS) device of an entity, a unique blockchain account identifier as part of data received for a purchase transaction with a consumer, wherein the unique blockchain account identifier is obtained via a near field communication (NFC) device integrated with the POS device and the NFC device is configured to receive the unique blockchain account identifier in a radio signal;
executing, by the POS device, the purchase transaction successfully;
calculating, by the POS device, a non-monetary point value for awarding to an account of the unique blockchain account identifier based on at least one factor of the successfully executed transaction and calculating a hash value for the non-monetary point value associated with the purchase transaction, wherein the non-monetary point value is determined using an algorithm that accounts for a combination of transaction factors including a monetary value of the transaction, a fixed point value per transaction or per item included in the transaction, and a loyalty status of the consumer with the entity;
writing, by the POS device over a network to a replicated trusted blockchain ledger, data including the unique blockchain account identifier, the calculated non-monetary point value to award the calculated non-monetary point value to the account of the unique blockchain account identifier, a pointer to a previous block, and the hash value, wherein the replicated trusted blockchain ledger maintaining account point values of customers for a plurality of entities, the point values redeemable at each of the plurality of entities without regard to which entity credited any or all of the point values, wherein the writing includes utilizing blockchain protocols adapted for blockchain data structures; and
securing access to the blockchain ledger and all replicated blockchain ledgers to entities participating in providing and redeeming value balances through private/public key pairs and restricting access to the blockchain ledger through key-based encryption based on the unique blockchain account identifier appearing in transaction data associated with other transactions of the consumer with the entity and the other entities and maintaining privacy of the blockchain ledger for entities participating in providing and redeeming value generated according to the method, and maintaining the blockchain ledger as the corresponding hash values of the corresponding blocks along with sequencing data of the corresponding blocks and detecting tampering with the corresponding blocks based on the sequencing data, wherein the replicated trusted blockchain ledgers include the sequencing data, wherein the blockchain ledger is maintained on a plurality of distributed nodes to ensure data integrity and redundancy.
2. The method of claim 1 , wherein writing the data including the unique blockchain account identifier and the calculated non-monetary point value to the replicated trusted blockchain ledger includes:
generating, on the POS device, a block data structure in memory to award the calculated non-monetary point value to the account of the unique blockchain account identifier;
signing, on the POS device, the block data structure in the memory with a private key of a private/public key-pair of the entity;
transmitting, via the network, the block data structure from the POS device to a plurality of computing systems where copies of the replicated trusted blockchain ledger are maintained; and
wherein the block data structure is written to each copy of the replicated trusted blockchain ledger when there are no objections by the plurality of computing systems after receipt of the data structure.
3. The method of claim 2 , wherein the blockchain data structure transfers the calculated non-monetary point value from a non-monetary point value balance of the entity to a non-monetary point value balance of the account of the unique blockchain account identifier.
4. The method of claim 2 , further comprising:
transmitting, from the POS device, a message communicating the point value award to the account of the unique blockchain account identifier using the unique blockchain account identifier as an address to which the message is transmitted.
5. The method of claim 2 , wherein the unique blockchain account identifier is a digital identifier (DID) of an account known within the blockchain.
6. The method of claim 1 , wherein the NFC device is a BLUETOOTH device.
7. A point of sale (POS) device comprising:
a network interface device;
a computer processor;
a memory storing instructions executable by the computer processor to perform data processing activities comprising:
receiving a unique blockchain account identifier as part of data received for a purchase transaction between an entity and a consumer, wherein the unique blockchain account identifier is obtained via a near field communication (NFC) device integrated with the POS device and the NFC device is configured to receive the unique blockchain account identifier in a radio signal;
executing the purchase transaction successfully;
calculating a non-monetary point value for awarding to an account of the unique blockchain account identifier based on at least one factor of the successfully executed transaction and calculating a hash value for the non-monetary point value associated with the purchase transaction, wherein the non-monetary point value is determined using an algorithm that accounts for a combination of transaction factors including a monetary value of the transaction, a fixed point value per transaction or per item included in the transaction, and a loyalty status of the consumer with the entity;
writing, via the network interface device over a network to a replicated trusted blockchain ledger, data including the unique blockchain account identifier, the calculated non-monetary point value to award the calculated non-monetary point value to the account of the unique blockchain account identifier, a pointer to a previous block, and the hash value, wherein the replicated trusted blockchain ledger used to maintain account point values of customers for a plurality of entities, the point values redeemable at each of the plurality of entities without regard to which entity credited any or all of the point values, wherein the writing includes utilizing blockchain protocols adapted for blockchain data structures; and
securing access to the blockchain ledger and all replicated blockchain ledgers to entities participating in providing and redeeming value balances through private/public key-pairs and restricting access to the blockchain ledger through key-based encryption based on the unique blockchain account identifier appearing in transaction data associated with other transactions of the consumer with the entity and the other entities and maintaining privacy of the blockchain ledger for entities participating in providing and redeeming generated value, and maintaining the blockchain ledger as the corresponding hash values of the corresponding blocks along with sequencing data of the corresponding blocks and detecting tampering with the corresponding blocks based on the sequencing data, wherein the replicated trusted blockchain ledgers include the sequencing data and wherein the blockchain ledger is maintained on a plurality of distributed nodes to ensure data integrity and redundancy.
8. The POS device of claim 7 , wherein writing the data including the unique blockchain account identifier and the calculated non-monetary point value to the replicated trusted ledger includes:
generating a block data structure in memory to award the calculated non-monetary point value to the account of the unique blockchain account identifier;
signing the block data structure in the memory with a private key of a private/public key-pair of the entity;
transmitting, via the network interface device over the network, the block data structure to a computing system where a copy of the replicated trusted blockchain ledger is maintained; and
wherein the block data structure is written to each copy of the replicated trusted blockchain ledger when there are no objections by the plurality of computing systems after receipt of the data structure.
9. The POS device of claim 8 , further comprising:
transmitting a message via the network interface over the network communicating the point value award to the account of the unique blockchain account identifier using the unique blockchain account identifier as an address to which the message is transmitted.