# US 12,002,067 B2 · Computer system for providing payments, incentives, and fraud protection within or across industries

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- Number: US 12,002,067 B2
- Document ID: US12002067B2
- Status: Granted
- Kind: B2
- Application number: 17/880,908
- Filed: 2022-08-04
- Published: 2022-11-24
- Granted: 2024-06-04
- Earliest claimed: 2018-10-31
- Assignees: Buy It Mobility Networks Inc.
- Applicants: Buy It Mobility Networks Inc.
- Inventors: Aydin A. Kadaster; Adam Frisch; S. Jermaine Johnston; Donald Krasnosky
- Web page: https://patentgrep.com/patent/US12002067B2

## CPC

- G06Q 30/0236: {Incentive or reward received by requiring registration or ID from user}
- G06Q 20/387: {Payment using discounts or coupons (relating to marketing G06Q30/02)}
- G06Q 20/389: {Keeping log of transactions for guaranteeing non-repudiation of a transaction}
- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- G06Q 30/0255: {based on user history}
- H04L 9/0637: {Modes of operation, e.g. cipher block chaining [CBC], electronic codebook [ECB] or Galois/counter mode [GCM]}
- H04L 9/3239: {involving non-keyed hash functions, e.g. modification detection codes [MDCs], MD5, SHA or RIPEMD}
- H04L 9/50: {using hash chains, e.g. blockchains or hash trees}
- H04L 2209/56: Financial cryptography, e.g. electronic payment or e-cash
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## 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

### Claim 1

A method of providing fraud protection comprising:
receiving, by a platform provider comprising one or more processors and memory, from a first enterprise network of a plurality of enterprise networks in direct communication with the platform provider, information regarding an enrollment request or a transaction request, the information including transaction information or customer information;
generating, by the platform provider, based on the information, a probability that the enrollment request or the transaction request is fraudulent;
validating, by the platform provider, the information and the probability using a consensus protocol;
encrypting, by the platform provider, the information and the probability; and
recording, by the platform provider, the information and the probability as one or more blocks in a private blockchain.

### Claim 2 (depends on 1)

The method of claim 1, further comprising providing, by the platform provider, to the first enterprise network, the probability that the enrollment request or the transaction request is fraudulent.

### Claim 3 (depends on 1)

The method of claim 1, further comprising:
receiving, by the platform provider, additional information from the first enterprise network that indicates the enrollment request or the transaction request is fraudulent; and
recording, by the platform provider, the additional information in one or more second blocks of the private blockchain.

### Claim 4 (depends on 1)

The method of claim 1, wherein the probability is generated using artificial intelligence or machine learning.

### Claim 5 (depends on 1)

The method of claim 1, wherein the transaction information comprises one or more of a location, an amount, or a time of a transaction.

### Claim 6 (depends on 1)

The method of claim 1, wherein the customer information comprises one or more of 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 identity module (SIM) number, loyalty account information, a credit history, past enrollment or transaction history, or a bank account number.

### Claim 7 (depends on 1)

The method of claim 1, wherein each of the plurality of enterprise networks are in communication with one another.

### Claim 8 (depends on 1)

The method of claim 1, wherein each of the plurality of enterprise networks are restricted from communicating with one another.

### Claim 9 (depends on 1)

The method of claim 1, further comprising receiving, by the platform provider, a request from the first enterprise network to remediate a position relative to the first enterprise network.

### Claim 10 (depends on 1)

The method of claim 1, wherein the probability is generated further based on past behavior associated with the customer information.