Lanny Duane Byers

US Patent:

20200117656, Apr 16, 2020

Filed:

Oct 9, 2019

Appl. No.:

16/597532

Inventors:

- Coral Springs FL, US
Lanny Byers - Ridgefield CT, US
Cindy White - Hockessin DE, US
Charles R. Williams - Chamblee GA, US

Assignee:

First Data Corporation - Coral Springs FL

International Classification:

G06F 16/23
G06F 16/27
G06F 16/25

Abstract:

Systems and methods are provided for a decentralized distributed ledger that hosts a directory service for customer aliases to facilitate obtaining customer account details. Aspects of the present disclosure may include receiving a request to execute a transaction, wherein the request includes identification information associated with a particular user, transmitting a communication to the database of the existing distributed ledger, wherein the second communication includes a request for an identity of a contributing entity that previously contributed user data associated with the particular user to the database, and wherein the request for the identity of the contributing entity includes an alias associated with the particular user, receiving the identity of the contributing entity, executing a request for account information for the particular user from the contributing entity, wherein the request for account information is transmitted to the contributing entity, receiving account information associated with the particular user, and executing the transaction using the account information.

US Patent:

20200027115, Jan 23, 2020

Filed:

Jul 19, 2019

Appl. No.:

16/517191

Inventors:

- Coral Springs FL, US
Lanny Byers - Ridgefield CT, US
David Farris - Ralston NE, US
Shawn Kretschmer - Elkhom NE, US
Cindy White - Hockessin DE, US
Skyler Fox - Park Ridge NJ, US
April Ross - Broomall PA, US

Assignee:

First Data Corporation - Coral Springs FL

International Classification:

G06Q 30/02
G06Q 20/36

Abstract:

Embodiments described herein provide methods and systems for making reward point account balances liquid for the customer. In traditional systems, reward points issued to customers in their reward point accounts have limited redemption options. Embodiments discussed herein allow a user to provision their reward point account into a digital wallet. The user can then use the reward points to purchase goods and services using their reward point account as a payment source via the digital wallet. The result is that the reward point account balance becomes a liquid asset for the customer to use to purchase any goods and/or services at any merchant that accepts payments from a digital wallet. Further, due to real-time point conversion at the time of the transaction, the available point balance is always up-to-date for use through any access method available to the user.

US Patent:

20200027116, Jan 23, 2020

Filed:

Jul 19, 2019

Appl. No.:

16/517313

Inventors:

- Coral Springs FL, US
Lanny Byers - Ridgefield CT, US
David Farris - Ralston NE, US
Shawn Kretschmer - Elkhorn NE, US
Cindy White - Hockessin DE, US
Skyler Fox - Park Ridge NJ, US
April Ross - Broomall PA, US

Assignee:

First Data Corporation - Coral Springs FL

International Classification:

G06Q 30/02

Abstract:

Embodiments described herein provide methods and systems for making reward point account balances liquid for the customer. In traditional systems, reward points issued to customers in their reward point accounts have limited redemption options. Embodiments discussed herein allow a user to provision their reward point account into a digital wallet. The user can then use the reward points to purchase goods and services using their reward point account as a payment source via the digital wallet. The result is that the reward point account balance becomes a liquid asset for the customer to use to purchase any goods and/or services at any merchant that accepts payments from a digital wallet. Further, due to real-time point conversion at the time of the transaction, the available point balance is always up-to-date for use through any access method available to the user.