SG11201901006RA - Systems and methods for enhanced organizational transparency using a credit chain - Google Patents

Abstract

Entity110, Entity 2 110 2 Back End (150) Ledger (160) W O 20 18/03 145 1 Al (12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date 15 February 2018 (15.02.2018) WIP0 I PCT omit VIII °nolo III ll oil Imo oimIE (10) International Publication Number WO 2018/031451 Al (51) International Patent Classification: GO6Q 10/00 (2012.01) (21) International Application Number: PCT/US2017/045699 (22) International Filing Date: 07 August 2017 (07.08.2017) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 15/234,263 11 August 2016 (11.08.2016) US (71) Applicant: JPMORGAN CHASE BANK, N.A. [US/US]; 270 Park Avenue, New York, NY 10017 (US). (72) Inventors: VIEIRA, Joe; 270 Park Avenue, New York, NY 10017 (US). LEE, Kam, Sat; 270 Park Avenue, New York, NY 10017 (US). PINGALI, Murali; 270 Park Av- enue, New York, NY 10017 (US). CORNELL, Michael; 270 Park Avenue, New York, NY 10017 (US). SHETTY, Suresh; 270 Park Avenue, New York, NY 10017 (US). FALAH, Samer; 270 Park Avenue, New York, NY 10017 (US). SAMBHAR, Ankur; 270 Park Avenue, New York, NY 10017 (US). (74) Agent: KING, Robert, A. et al.; Hunton and Williams LLP, 2200 Pennsylvania Avenue, NW, Washington, DC 20037 (US). (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, (54) Title: SYSTEMS AND METHODS FOR ENHANCED ORGANIZATIONAL TRANSPARENCY USING A CREDIT CHAIN Entity 3 110 3 Entity n 110„ Figure 1 100 (57) : Systems and methods for enhanced organizational transparency using a linked activity chain in a ledger are disclosed. In one embodiment, a method may include (1) a back end for an organization comprising at least one computer processor receiving a first communication from a first entity comprising a first customer interaction with the first entity; (2) the back end writing the first communication to a ledger for the organization as a first block in a linked activity chain; (3) the back end receiving a second communication from a second entity comprising a second customer second activity with the second entity; (4) the back end writing the second communication to the ledger for the organization as a second block in the linked activity chain; (5) the back end calculating a summary score for the customer based on the blocks in the linked activity chain. [Continued on next page] WO 2018/031451 Al MIDEDIMOMOIDEIREEMODHOMMIMMOVOIMIE SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Published: — with international search report (Art. 21(3))