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美国运通计划在客户奖励制度中使用区块链技术

有公开消息表示,美国运通的旅游和商业部门可能会在其个性化客户奖励系统中重点使用区块链技术。

美国专利商标局上周发布的新专利申请详细介绍了客户专属奖励的类型(包括积分,虚拟资产以及与产品相关的特定物品)。申请表明,这家金融巨头将通过收集客户的个性化数据(如历史消费习惯),来提供这些奖励。

这项申请将此技术定义为一种在多种可能途径中存储和更新信息的方法,其详细说明如下:

“此区块链结构囊括一个分布式数据库,它可以维护不断增长的数据记录列表。区块链可以增强数据安全性,因为个人交易和区块链执行文档结果可以由单独的块链进行保存,每个块链都包含一个时间戳以及与之前块链相连的链接。”

考虑到其他一些信用卡供应商也对这项技术感兴趣,美国运通会转而寻求关于技术使用的知识产权声明也就不足为奇了。 美国运通目前是超级账本区块链联盟的成员,1月份新加入时,公司就表示会将区块链视为重塑其当前服务的重要方式。

美国运通首席信息官马克·戈登(Marc Gordon)当时表示:“我们很高兴加入超级账本,我们期望能够通过区块链为客户和合作伙伴提供全新的创新产品,同时改造现有的业务流程和应用程序。”

 

 

 

The travel and merchant arm of American Express may be weighing the use of blockchain within a personalized customer rewards system, public filings show.

A new patent application published last week by the U.S. Patent and Trademark Office details a concept for offering customer-specific types of rewards (including points, a virtual currency or specific items tied to a product). The filing indicates the financial giant would make these offers by compiling personalized data about the customer, such as their historic spending patterns.

The application cites the tech as one resource for storing and updating information among a number of possible approaches, detailing:

"The blockchain structure may include a distributed database that maintains a growing list of data records. The blockchain may provide enhanced security because each block may hold individual transactions and the results of any blockchain executables. Each block may contain a timestamp and a link to a previous block."

That the firm would move to seek intellectual property claims around uses of the tech is perhaps unsurprising, given the interest around it by some of the credit card provider's competitors. American Express is currently a member of the Hyperledger blockchain consortium and, when it joined in January, the company suggested that it would look to blockchain as a way to potentially rework its current services.

"We're excited to join Hyperledger, as we're looking to take full advantage of blockchain to deliver new and innovative products for our customers and partners, while transforming existing business processes and applications," Amex chief information officer Marc Gordon said at the time.


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