Granted Patent B2

US 12,549,369 · App. 18/911,934 · Granted Feb 10, 2026

Inventor: Gary W. Grube (Barrington Hills, IL)

Assignee: 2BC Innovations, LLC

H04L9/3213G06Q20/3678G06Q20/38215G06Q20/389G06Q40/04G06Q40/06G06Q40/08H04L9/0825H04L9/3236H04L9/3247H04L9/50G06Q2220/10H04L2209/603

Abstract

Claims (61)

1 . A computer-implemented method of using a computing system for utilizing an object distributed ledger, the method comprising:

issuing, by a user computing device of the computing system to a control computing device of the computing system, a digital record of baseline content associated with a longevity-contingent instrument for subsequent utilization in establishing of a non-fungible token (NFT) to be represented on the object distributed ledger, the digital record of the baseline content comprising an obligation provider identifier (ID) and an outcome recipient ID, wherein the obligation provider ID is associated with providing of an obligation tied to an obligation recipient ID in accordance with obligation requirements, wherein the outcome recipient ID is associated with a result of a triggered outcome tied to an outcome provider ID in accordance with contingent outcome rules and an obligation status, wherein a positive obligation status indicates that the obligation has historically been provided in accordance with the obligation requirements;

identifying, by the control computing device, an accreditation authority computing device of the computing system based on at least one of the obligation recipient ID and the obligation provider ID;

generating, by the accreditation authority computing device, baseline validation information utilizing the at least one of the obligation recipient ID and the obligation provider ID from the control computing device;

indicating, by the control computing device, that the baseline content is qualified when the baseline validation information is the same as the baseline content;

determining, by the control computing device, an exposure level for the NFT based on an availability status of the digital record of the baseline content of the longevity-contingent instrument when the baseline content is qualified, the availability status comprising one of available within a first timeframe for a first set of utilizations and available within a second timeframe for a second set of utilizations, wherein the exposure level includes one of a private portion of the object distributed ledger and a public portion of the object distributed ledger;

establishing, by the control computing device, NFT content to include the baseline content and the exposure level for the NFT;

obtaining, by the control computing device, a copy of a portion of the object distributed ledger;

hashing, by the control computing device, the NET content utilizing a receiving public key of the object distributed ledger to produce a next transaction hash value;

encrypting, by the control computing device, the next transaction hash value utilizing a private key of the control computing device to produce a next transaction signature;

generating, by the control computing device, a next block of a blockchain of the object distributed ledger to include the NFT content and the next transaction signature; and

causing, by the control computing device, inclusion of the next block in the object distributed ledger.

2 . The method of claim 1 further comprising:

indicating, by the control computing device, positive viability for the first set of utilizations when the digital record of the baseline content includes an estimated outcome triggered date of the triggered outcome that is greater than a life insurance threshold value; and

indicating, by the control computing device, positive viability for the second set of utilizations when the digital record of the baseline content includes the estimated outcome triggered date of the triggered outcome that is less than a life settlement threshold value.

3 . The method of claim 1 further comprising:

issuing, by the control computing device, a blockchain update request to an object ledger computing device of the computing system serving as a blockchain node of the object distributed ledger, wherein the blockchain update request includes the NFT.

4 . The method of claim 1 , wherein the identifying the accreditation authority computing device based on the at least one of the obligation recipient ID and the obligation provider ID comprises at least one of:

identifying a first identified corresponding accreditation authority computing device associated with the obligation recipient ID as the accreditation authority computing device; and

identifying a second identified corresponding accreditation authority computing device associated with the obligation provider ID as the accreditation authority computing device.

5 . The method of claim 1 , wherein the determining the exposure level for the NFT based on the availability status of the digital record of the baseline content of the longevity-contingent instrument further comprises one of:

establishing the exposure level as the private portion of the object distributed ledger when the availability status indicates available within the first timeframe for the first set of utilizations; and

establishing the exposure level as the public portion of the object distributed ledger when the availability status indicates available within the second timeframe for the second set of utilizations.

6 . The method of claim 1 , wherein the establishing the NFT content to include the baseline content and the exposure level for the NFT comprises:

identifying the portion of the object distributed ledger based on the exposure level; and

encrypting the baseline content to produce the NFT content for the portion of the object distributed ledger when the exposure level includes the private portion of the object distributed ledger.

7 . A computing system, the computing system comprising:

a user computing device comprising a first interface, a first local memory, and a first processor operably coupled to the first interface and the first local memory;

a control computing device comprising a second interface, a second local memory, and a second processor operably coupled to the second interface and the second local memory; and

an accreditation authority computing device comprising a third interface, a third local memory, and a third processor operably coupled to the third interface and the third local memory;

wherein the first processor performs functions to:

issue, via the first interface to the control computing device, a digital record of baseline content associated with a longevity-contingent instrument for subsequent utilization in establishing of a non-fungible token (NFT) to be represented on an object distributed ledger, the digital record of the baseline content comprising an obligation provider identifier (ID) and an outcome recipient ID, wherein the obligation provider ID is associated with providing of an obligation tied to an obligation recipient ID in accordance with obligation requirements, wherein the outcome recipient ID is associated with a result of a triggered outcome tied to an outcome provider ID in accordance with contingent outcome rules and an obligation status, wherein a positive obligation status indicates that the obligation has historically been provided in accordance with the obligation requirements;

wherein the second processor performs functions to:

identify the accreditation authority computing device based on at least one of the obligation recipient ID and the obligation provider ID;

wherein the third processor performs functions to:

generate baseline validation information utilizing the at least one of the obligation recipient ID and the obligation provider ID from the control computing device;

wherein the second processor performs further functions to:

indicate that the baseline content is qualified when the baseline validation information is the same as the baseline content;

determine an exposure level for the NFT based on an availability status of the digital record of the baseline content of the longevity-contingent instrument when the baseline content is qualified, the availability status comprising one of available within a first timeframe for a first set of utilizations and available within a second timeframe for a second set of utilizations, wherein the exposure level includes one of a private portion of the object distributed ledger and a public portion of the object distributed ledger;

establish NFT content to include the baseline content and the exposure level for the NFT;

obtain a copy of a portion of the object distributed ledger;

hash the NFT content utilizing a receiving public key of the object distributed ledger to produce a next transaction hash value;

encrypt the next transaction hash value utilizing a private key of the control computing device to produce a next transaction signature;

generate a next block of a blockchain of the object distributed ledger to include the NFT content and the next transaction signature; and

cause inclusion of the next block in the object distributed ledger.

8 . The computing system of claim 7 further comprising:

wherein the second processor performs further functions to:

indicate positive viability for the first set of utilizations when the digital record of the baseline content includes an estimated outcome triggered date of the triggered outcome that is greater than a life insurance threshold value; and

indicate positive viability for the second set of utilizations when the digital record of the baseline content includes the estimated outcome triggered date of the triggered outcome that is less than a life settlement threshold value.

9 . The computing system of claim 7 further comprising:

wherein the second processor performs further functions to:

issue, via the second interface, a blockchain update request to an object ledger computing device of the computing system serving as a blockchain node of the object distributed ledger, wherein the blockchain update request includes the NFT.

10 . The computing system of claim 7 , wherein the second processor functions to identify the accreditation authority computing device based on the at least one of the obligation recipient ID and the obligation provider ID by at least one of:

identifying a first identified corresponding accreditation authority computing device associated with the obligation recipient ID as the accreditation authority computing device; and

identifying a second identified corresponding accreditation authority computing device associated with the obligation provider ID as the accreditation authority computing device.

11 . The computing system of claim 7 , wherein the second processor functions to determine the exposure level for the NFT based on the availability status of the digital record of the baseline content of the longevity-contingent instrument by one of:

establishing the exposure level as the private portion of the object distributed ledger when the availability status indicates available within the first timeframe for the first set of utilizations; and

establishing the exposure level as the public portion of the object distributed ledger when the availability status indicates available within the second timeframe for the second set of utilizations.

12 . The computing system of claim 7 , wherein the second processor functions to establish the NFT content to include the baseline content and the exposure level for the NFT by:

identifying the portion of the object distributed ledger based on the exposure level; and

encrypting the baseline content to produce the NFT content for the portion of the object distributed ledger when the exposure level includes the private portion of the object distributed ledger.

Assignments (1)

Continuity (3)

References Cited (19)