US 12,169,823 B1
System and method for digital payments using blockchain with customer keys
Yevgeniy Viatcheslavovich Khmelev, San Antonio, TX (US); and Gregory Brian Meyer, San Antonio, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by UIPCO, LLC, San Antonio, TX (US)
Filed on Jun. 17, 2022, as Appl. No. 17/843,059.
Claims priority of provisional application 63/212,741, filed on Jun. 21, 2021.
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/20 (2012.01); G06Q 20/38 (2012.01)
CPC G06Q 20/325 (2013.01) [G06Q 20/204 (2013.01); G06Q 20/322 (2013.01); G06Q 20/3827 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/389 (2013.01)] 12 Claims
OG exemplary drawing
 
1. A device for enabling digital transactions when communication between a point-of-sale system and a digital payment processing system is unavailable, the device comprising a processor and machine-readable media including instructions which, when executed by the processor, cause the processor to:
receive a private key associated with address on a blockchain;
receive information, from a computing system, about a communication status between the point-of-sale system and the digital payment processing system;
send digital payment information from the device to the point-of-sale system when the point-of-sale system is in communication with the digital payment processing system;
generate global positioning system (GPS) location data describing a location of the device, and send the GPS location data to the point-of-sale system;
receive a geofencing set of location data describing a designated area from an emergency alert system;
compare the GPS location data to the geofencing set of location data and determine whether the device is located within the designated area;
allocate emergency funds to the address on the blockchain in response to determining that the device is located within the designated area; and
send the private key from the device to the computing system when communication between the point-of-sale system and the digital payment processing system is interrupted, wherein the private key can be used to make a transaction on the blockchain while communication between the point-of-sale system and the digital payment processing system is interrupted.