American Express Company
Loyalty point distributions using a decentralized loyalty ID

Abstract:

A blockchain-based loyalty point distribution system may be configured to provide decentralized loyalty IDs. The decentralized loyalty IDs may allow distribution of loyalty rewards in response to transaction-based events and non-transaction-based events, including behavioral interactions. The system may include a loyalty partner system that receives a rewards event from a customer. The loyalty partner system may determine a loyalty ID associated with the customer, and write the rewards event to the blockchain. A loyalty provider system may receive notification of the rewards event write and distribute the loyalty reward to the customer. The loyalty provider may instruct the loyalty partner to remit payment for the loyalty reward, and may update customer and loyalty partner balances on the blockchain.