COMPUTER SYSTEM FOR PROVIDING PAYMENTS, INCENTIVES, AND FRAUD PROTECTION WITHIN OR ACROSS INDUSTRIES

• US 20200134660A1
• Filed: 10/30/2019
• Published: 04/30/2020
• Est. Priority Date: 10/31/2018
• Status: Active Grant

• Current Assignee: Buy It Mobility Networks, Inc.
• Original Assignee: Buy It Mobility Networks, Inc.
• Inventors: Kadaster, Aydin A., Frisch, Adam, Johnston, S. Jermaine, Krasnosky, Donald
• Granted Patent: US 11,429,999 B2
• Time in Patent Office: Days
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 9/0637 Modes of operation, e.g. cipher block chaining [CBC], electronic codebook [ECB] or Galois/counter mode [GCM]
• CPC Class Codes: H04L 9/3239 involving non-keyed hash functions, e.g. modification detection codes [MDCs], MD5, SHA or RIPEMD
• CPC Class Codes: H04L 9/50 using hash chains, e.g. blockchains or hash trees

Abstract

A network includes a platform provider having a centralized operating environment including a combination of hardware, software, and a communication device configured to receive information from a plurality of enterprise networks each configured to independently communicate information to the platform provider. The information includes customer information, device information, requested enrollment or application information, requested transaction information, completed enrollment or application information, or completed transaction information, or a combination thereof. The platform provider is configured to validate and record the information in a secure ledger. The platform provider is further configured to, based on the information, identify incentives, advertisements, or other communications to provide a customer, deliver incentives, advertisements, or other communications to a customer, calculate a fee owed by one enterprise network to one of the platform provider, another enterprise network, or a customer, or assess a probability that a requested consumer, device, enrollment, application, or transaction is fraudulent.

Claims

1. A network comprising:

a platform provider comprising a centralized operating environment including a combination of hardware, software, and at least one communication device configured to receive information from a plurality of enterprise networks each configured to independently communicate information to the platform provider, wherein

the information comprises customer information, device information, enrollment information, requested transaction information, or completed transaction information, or a combination thereof,

the platform provider is configured to validate and record the information in a secure ledger, and

the platform provider is further configured to, based on the information,

identify incentives, advertisements, or other communications to provide a customer,

deliver incentives, advertisements, or other communications to a customer,

facilitate payment or other transactions within and/or across one or more enterprise networks,

calculate a fee owed by one enterprise network to one of the platform provider or another enterprise network, or

assess a probability that a device, consumer, enrollment, application, or transaction is fraudulent or includes other attributes that may be tracked by the platform provider.

2. The network of claim 1, wherein the secure ledger comprises a private blockchain.

3. The network of claim 1, wherein at least one of the enterprise networks is in a different industry than another enterprise network in the network.

4. The network of claim 1, wherein

the platform provider is configured to, based on the information, identify incentives, advertisements, or other communications to provide the customer, and validate and record the incentives provided to the customer in the secure ledger, and

the incentives comprise loyalty points, a reward, a coupon, a payment, an advertisement, a marketing communication, a discount, FIAT currency, digital currency, other form of compensation, or an aggregate of a plurality of discounts from one or more of the enterprise networks.

5. The network of claim 1, wherein

the information includes attempted or completed enrollment, application, or transaction information, and

the transaction information includes information related to a good or service purchased, or attempted to be purchased, information related to an enrollment or application, or request for an enrollment or application, or information related to viewing a good or service.

6. The network of claim 1, wherein

the platform provider is configured to, based on the information, identify incentives, advertisements, or other communications to provide the customer, and

the platform provider is configured to receive information regarding whether providing the incentives or the advertisements or the communications to the customer resulted in the customer taking a predetermined action in order to generate an assessment of an effectiveness of providing the incentives or the advertisements or the communications to the customer.

7. The network of claim 6, wherein the platform provider is configured to generate the assessment of the effectiveness of providing the incentives or the advertisements or the communications to the customer using artificial intelligence and/or machine learning and/or other algorithms.

8. A method of providing incentives or fraud protection comprising:

providing a network including a platform provider comprising a centralized operating environment including a combination of hardware, software, and at least one communication device configured to receive information from a plurality of enterprise networks each configured to independently communicate information to the platform provider;

receiving, at the platform provider, information from at least one of the enterprise networks, wherein the information comprises customer information, device information, requested enrollment and/or application information, completed enrollment and/or application information, requested transaction information, or completed transaction information, or a combination thereof;

validating and recording the information in a secure ledger; and

based on the information, performing at least one of the following steps;

identifying incentives, advertisements, or other communications to provide a customer,

calculating a fee owed by one enterprise network or customer to one of the platform provider, another enterprise network, or a customer, or

assessing a probability that a requested transaction is fraudulent or includes other attributes that may be tracked by the platform provider.

9. The method of claim 8, wherein the secure ledger comprises a private blockchain.

10. The method of claim 8, wherein at least one of the enterprise networks is in a different industry than another enterprise network in the network.

11. The method of claim 8, wherein

based on the information, the platform provider identifies incentives, advertisements, or other communications to provide the customer, and validates and records the incentives provided to the customer in the secure ledger, and

the incentives comprise loyalty points, a reward, a coupon, a payment, an advertisement, a marketing communication, a discount, FIAT currency, digital currency, other form of compensation, or an aggregate of a plurality of discounts from one or more of the enterprise networks.

12. The method of claim 8, wherein

the information includes attempted or completed enrollment, application, or transaction information, and

the transaction information includes information related to a good or service purchased, or attempted to be purchased, information related to an enrollment or application or request for an enrollment or application, or information related to viewing a good or service.

13. The method of claim 8, wherein

based on the information, the platform provider identifies incentives, advertisements, or other communications to provide the customer,

the platform provider receives information regarding whether providing the incentives, the advertisements, or the communications to the customer resulted in the customer taking a predetermined action, and

the platform provider generates an assessment of an effectiveness of providing the incentives, the advertisements, or the communications to the customer.

14. The method of claim 13, wherein the platform provider generates the assessment of the effectiveness of providing the incentives or the advertisements to the customer using artificial intelligence and/or machine learning and/or other algorithms.

15. A method of providing incentives comprising:

providing a network including a platform provider comprising a centralized operating environment including a combination of hardware, software, and at least one communication device configured to receive information from a plurality of enterprise networks belonging to a same industry or at least two different industries, each enterprise network configured to independently communicate information to the platform provider;

receiving, at the platform provider, information from at least one of the enterprise networks, wherein the information comprises requested transaction information;

identifying an aggregate discount for which a customer is eligible for based on the requested transaction information, the aggregate discount comprising at least one discount provided by each of at least two of the enterprise networks;

providing the customer with the aggregate discount such that a total amount of a requested transaction is reduced by an amount of the aggregate discount;

recording the information and the aggregate discount in a secure ledger.

16. A method of providing fraud protection comprising:

providing a network including a platform provider comprising a centralized operating environment including a combination of hardware, software, and at least one communication device configured to receive information from a plurality of enterprise networks belonging to a same industry or at least two different industries, each enterprise network configured to independently communicate information to the platform provider;

receiving, at the platform provider, information regarding an enrollment request or a transaction request, the information including transaction information comprising location, amount, time, and/or customer information comprising a name, address, telephone number, credit card number, payment account number, social security number, driver'"'"'s license or state identification number, IP address, SIM number, loyalty account information, credit history, past enrollment or transaction history and/or bank account number associated with the enrollment request or the transaction request;

assessing a probability, based on past behavior associated with the customer information, that the enrollment request or the transaction request is fraudulent or includes other attributes that may be tracked by the platform provider; and

recording the information and the probability in a secure ledger.

17. The method of claim 16, further comprising providing at least one enterprise network with the probability that the enrollment request or the transaction request is fraudulent.

18. The method of claim 17, further comprising:

receiving additional information from the at least one enterprise network that the enrollment request or the transaction request is fraudulent or includes other attributes that may be tracked by the platform provider; and

recording the additional information in the secure ledger.

19. The method of claim 16, wherein assessing the probability is performed using artificial intelligence or machine learning.

20. A method of providing incentives comprising:

providing a network including a platform provider comprising a centralized operating environment including a combination of hardware, software, and at least one communication device configured to receive information from a plurality of enterprise networks belonging to a same industry or at least two different industries, each enterprise network configured to independently communicate information to the platform provider;

receiving, at the platform provider, information regarding customer behavior, the information including social media activity, articles and/or advertisements viewed, webpages visited, apps downloaded or used, goods or services viewed or purchased, location, places visited, demographics, or a combination thereof;

assessing a probability, based on the information, that showing a targeted advertisement to a customer will result in the customer taking a predetermined action; and

recording the information and the probability in a secure ledger.

21. The method of claim 20, further comprising providing a customer network with the targeted advertisement or other communications.

22. The method of claim 20, further comprising providing at least one enterprise network with the probability that showing a targeted advertisement or other communication to a customer will result in the customer taking a predetermined action.

23. The method of claim 22, further comprising:

receiving action information from the at least one enterprise network that the targeted advertisement or other communication resulted in the customer taking the predetermined action; and

recording the action information in the secure ledger.

24. The method of claim 20, wherein assessing the probability is performed using artificial intelligence or machine learning.

25. A network comprising:

a platform provider comprising a centralized operating environment including a combination of hardware, software, and at least one communication device configured to receive information from a plurality of enterprise networks each configured to independently communicate information to the platform provider, wherein

the information comprises enrollment information for a loyalty program for a party, the enrollment information comprising at least one of;

customer information comprising a name, an address, a telephone number, a credit card number, a payment account number, a social security number, a driver'"'"'s license or state identification number, an internet protocol (IP) address, a subscriber identification module (SIM) number, loyalty account information, at least a portion of a credit history, at least a portion of a past enrollment or transaction history, or a bank account number, and

the platform provider is configured to;

maintain a secure ledger;

receive a verification request from one of the enterprise networks;

determine, responsive to receiving the verification request, an assessment for the party using the enrollment information, the assessment indicating that the party is non-fraudulently enrolled in the loyalty program;

record the assessment for the party in the secure ledger;

provide an indication of the assessment to the one of the enterprise networks;

receive, from the one of the enterprise networks, a request to remediate a position of the party relative to the enterprise network, the position of the party relative to the enterprise network relating to loyalty points of the loyalty program;

remediate the position of the party relative to the enterprise network; and

update the secure ledger to reflect the remediation.

26. The network of claim 25, wherein determining the assessment for the party using the enrollment information comprises determining a probability that the party is fraudulently enrolled in the loyalty program.

27. The network of claim 25, wherein the assessment includes reason codes, and the platform provider is configured to provide the reason codes to the one enterprise network.

28. The network of claim 25, wherein the platform provider is configured to charge a fee to the one enterprise network for providing an indication of the assessment to the one of the enterprise networks.