Distributed ledger receipt wallet system and method

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

establishing a communicative coupling with a point of sale terminal;

receiving, from the point of sale terminal, completed purchase data;

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.

2. The one or more tangible, non-transitory, computer readable media of claim 1 , wherein the operations comprise receiving, from the point of sale terminal, the completed purchase data including data indicative of a physical asset and a purchase price paid for the physical asset.

3. The one or more tangible, non-transitory, computer readable media of claim 1 , wherein the operations comprise receiving, from the point of sale terminal, the completed purchase data including data indicative of a service and a purchase price paid for the service.

4. The one or more tangible, non-transitory, computer readable media of claim 1 , 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.

5. The one or more tangible, non-transitory, computer readable media of claim 1 , wherein the operations comprise distributing the at least one block among the nodes of the digital distributed ledger system via a peer-to-peer network.

6. The one or more tangible, non-transitory, computer readable media of claim 1 , wherein the instructions, when executed, cause the at least one processor to perform operations comprise storing a wallet owner identification record in the digital distributed ledger system prior to transforming the completed purchase data into the receipt trail record.

7. The one or more tangible, non-transitory, computer readable media of claim 1 , wherein the operations comprise establishing the communicative coupling with the point of sale terminal via a Bluetooth or Wi-Fi connection with the point of sale terminal.

8. The one or more tangible, non-transitory, computer readable media of claim 1 , wherein the instructions, when executed, cause the at least one processor to perform operations comprise querying the digital distributed ledger system in response to a request to return an item associated with the completed purchase data.

9. A system, comprising:

a point of sale terminal configured to generate purchase data corresponding to a purchased product or service;

at least one processor configured to:

establish a communicative coupling with the point of sale terminal;

receive the purchase data from the point of sale terminal;

transform the purchase data into a receipt trail record;

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

distribute the at least one block among nodes of the digital distributed ledger system.

10. The system of claim 9 , wherein the at least one processor is configured to:

receive, from the point of sale terminal, the purchase data including first data indicative of a physical asset and a first purchase price paid for the physical asset; or

receive, from the point of sale terminal, the purchase data including second data indicative of a service and a second purchase price paid for the service.

11. The system of claim 9 , wherein the at least one processor is configured to transform the purchase data into the receipt trail record by linking at least one seller verification record to at least one buyer verification record as a linked record and storing the linked record in the receipt trail record.

12. The system of claim 9 , wherein the at least one processor is configured to prepare a receipts audit report based on the receipt trail record by querying the digital distributed ledger system for a tax-based subset of data, an internal corporate audit subset of data, a personal expenditures subset of data, or any combination thereof.

13. The system of claim 9 , wherein the at least one processor is configured to establish the communicative coupling with the point of sale terminal via a wireless connection.

14. The system of claim 9 , wherein the at least one processor is configured to distribute the at least one block among the nodes of the digital distributed ledger system via a peer-to-peer network.

15. The system of claim 9 , wherein the point of sale terminal is configured to:

enable a credit card purchase; and

generate the purchase data from the credit card purchase.

16. A computer-implemented method, comprising:

receiving, via at least one processor, completed purchase data including:

first data indicative of a physical asset and a first purchase price paid for the physical asset; or

second data indicative of a service and a second purchase price paid for the service;

transforming, via the at least one processor, the completed purchase data into a receipt trail record;

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

distributing, via the at least one processor, the at least one block among nodes of the digital distributed ledger system.

17. The computer-implemented method of claim 16 , comprising:

establishing a communicative coupling between the at least one processor and a point of sale terminal; and

receiving, via the at least one processor and from the point of sale terminal, the completed purchase data.

18. The computer-implemented method of claim 16 , comprising preparing, via the at least one processor, a receipts audit report based on the receipt trail record by querying the digital distributed ledger system for a subset of data, the subset of data comprising a tax-based subset, an internal corporate audit subset, a personal expenditures subset, or any combination thereof.

19. The computer-implemented method of claim 16 , comprising distributing, via the at least one processor, the at least one block among the nodes of the digital distributed ledger system via a peer-to-peer network.

20. The computer-implemented method of claim 16 , wherein transforming, via the at least one processor, 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 in the receipt trail record.