Facilitating the application of a ledger to programmatically identify duplicate data objects indicative of multiple card-linked offers provided against a single transaction

Abstract

A method, apparatus and computer program products are provided for facilitating the application of a ledger, or data structure in general, to programmatically identify duplicate data objects, such as those indicative of card-linked offers provided against a single transaction, and more specifically, to the utilization of a global ledger to identify stacking of card-linked offers. One example method includes receiving an indication of an interaction between two devices, generating distributed ledger data, the distributed ledger data indicative of a previous interaction between the primary device and an entity, causing transmission of the distributed ledger data to each of a plurality of nodes in a offerer network, after a predetermined amount of time, causing performance of a comparison within the distributed ledger data to determine that the entity and a second entity comprise corresponding data objects, applying a rule to generate an adjusted value.

1 .- 24 . (canceled) 
     
     
         25 . An apparatus comprising at least one processor and at least one memory having computer-coded instructions stored thereon that, in execution with the at least one processor, causes the apparatus to:
 write, via the at least one processor, a rule onto a shared immutable blockchain, wherein the rule comprises logic that reconciles application of two or more offers to at least one target transaction;   receive, via a network, an indication of a transaction, wherein the indication of the transaction comprises at least user identification information representing a first entity corresponding to the transaction, third-party identification information representing a second entity corresponding to the transaction, and initial value data corresponding to the transaction;   identify, by the at least one processor, a plurality of applicable offers based at least in part on the user identification information, wherein the plurality of applicable offers is identified from one or more portions of a plurality of portions of distributed ledger data stored via the shared immutable blockchain, each of the one or more portions of the plurality of portions of distributed ledger data corresponding to the user identification information,   wherein the plurality of portions of distributed ledger data is shared between each of a plurality of nodes associated with an offeror network, enabling the comparison to be auditable at each of the plurality of nodes;   identify, via the at least one processor, the rule from a locally stored version of the immutable blockchain;   apply, via the at least one processor and subsequent to identification of the rule, the rule to generate an adjusted value based at least in part on a selected offset corresponding to a selected offer of the plurality of applicable offers, wherein the rule selects the selected offer from the plurality of applicable offers;   in real-time in response to generation of the adjusted value, transmit an updated data object comprising at least first data representing the first entity, second data representing the second entity corresponding to the transaction, and third data representing the adjusted value.   
     
     
         26 . The apparatus according to  claim 25 , wherein the updated data object is generated after a predetermined amount of time. 
     
     
         27 . The apparatus according to  claim 25 , wherein to identify the plurality of applicable offers, the apparatus is caused to:
 identify, via the at least one processor, at least a first portion of distributed ledger data comprising data elements indicative of the user identification information and a second entity, the first portion of distributed ledger data indicative of a first previous interaction between the first entity and the second entity; and   identify, via the at least one processor, at least a second portion of distributed ledger data comprising data elements indicative of the user identification information and a third entity, the second portion of distributed ledger data indicative of a second previous interaction between the first entity and the third entity.   
     
     
         28 . The apparatus according to  claim 27 , the apparatus further caused to:
 identify at least a first offset value provided by the second entity, wherein a first offer of the plurality of offers is represented by the first offset value; and   identify at least a second offset value provided by the third entity, wherein a second offer of the plurality of offers is represented by the second offset value.   
     
     
         29 . The apparatus according to  claim 27 , the apparatus further caused to:
 receive, via the offeror network and from the second entity, a first data object comprising a first pointer to a first particular data ledger entry in the plurality of portions of distributed ledger data; and   receive, via the offeror network and from the third entity, a second data object comprising a first pointer to a first particular data ledger entry in the plurality of portions of distributed ledger data.   
     
     
         30 . The apparatus according to  claim 25 , wherein to transmit the updated data object the apparatus is caused to:
 transmit new distributed ledger data representing at least the updated data object to at least one other node of the plurality of nodes, wherein the new distributed ledger data causes the at least one other node to store the distributed ledger to another locally stored instance of the immutable blockchain.   
     
     
         31 . The apparatus according to  claim 25 , wherein to transmit the updated data object the apparatus is caused to:
 transmit the updated data object to a value processor, wherein the updated data object causes the value processor to process the adjusted value in response to receiving the transmission.   
     
     
         32 . A computer-implemented method comprising:
 writing a rule onto a shared immutable blockchain, wherein the rule comprises logic that reconciles application of two or more offers to at least one target transaction;   receive, via a network, an indication of a transaction, wherein the indication of the transaction comprises at least user identification information representing a first entity corresponding to the transaction, third-party identification information representing a second entity corresponding to the transaction, and initial value data corresponding to the transaction;   identify, by the at least one processor, a plurality of applicable offers based at least in part on the user identification information, wherein the plurality of applicable offers is identified from one or more portions of a plurality of portions of distributed ledger data stored via the shared immutable blockchain, each of the one or more portions of the plurality of portions of distributed ledger data corresponding to the user identification information,   wherein the plurality of portions of distributed ledger data is shared between each of a plurality of nodes associated with an offeror network, enabling the comparison to be auditable at each of the plurality of nodes;   identify, via the at least one processor, the rule from a locally stored version of the immutable blockchain;   apply, via the at least one processor and subsequent to identification of the rule, the rule to generate an adjusted value based at least in part on a selected offset corresponding to a selected offer of the plurality of applicable offers, wherein the rule selects the selected offer from the plurality of applicable offers;   in real-time in response to generation of the adjusted value, transmit an updated data object comprising at least first data representing the first entity, second data representing the second entity corresponding to the transaction, and third data representing the adjusted value.   
     
     
         33 . The computer-implemented method according to  claim 32 , wherein the updated data object is generated after a predetermined amount of time. 
     
     
         34 . The computer-implemented method according to  claim 32 , wherein identifying the plurality of applicable offers comprises:
 identifying at least a first portion of distributed ledger data comprising data elements indicative of the user identification information and a second entity, the first portion of distributed ledger data indicative of a first previous interaction between the first entity and the second entity; and   identifying at least a second portion of distributed ledger data comprising data elements indicative of the user identification information and a third entity, the second portion of distributed ledger data indicative of a second previous interaction between the first entity and the third entity.   
     
     
         35 . The computer-implemented method according to  claim 34 , further comprising:
 identifying at least a first offset value provided by the second entity, wherein a first offer of the plurality of offers is represented by the first offset value; and   identifying at least a second offset value provided by the third entity, wherein a second offer of the plurality of offers is represented by the second offset value.   
     
     
         36 . The computer-implemented method according to  claim 34 , further comprising:
 receiving, via the offeror network and from the second entity, a first data object comprising a first pointer to a first particular data ledger entry in the plurality of portions of distributed ledger data; and   receiving, via the offeror network and from the third entity, a second data object comprising a first pointer to a first particular data ledger entry in the plurality of portions of distributed ledger data.   
     
     
         37 . The computer-implemented method according to  claim 32 , wherein transmitting the updated data obj ect comprises:
 transmitting new distributed ledger data representing at least the updated data object to at least one other node of the plurality of nodes, wherein the new distributed ledger data causes the at least one other node to store the distributed ledger to another locally stored instance of the immutable blockchain.   
     
     
         38 . The computer-implemented method according to  claim 32 , wherein transmitting the updated data obj ect comprises:
 transmitting the updated data object to a value processor, wherein the updated data object causes the value processor to process the adjusted value in response to receiving the transmission.   
     
     
         39 . A computer program product comprising at least one non-transitory computer-readable storage medium having computer program code stored thereon that, in execution with at least one processor, configures the computer program product to:
 write, via the at least one processor, a rule onto a shared immutable blockchain, wherein the rule comprises logic that reconciles application of two or more offers to at least one target transaction;   receive, via a network, an indication of a transaction, wherein the indication of the transaction comprises at least user identification information representing a first entity corresponding to the transaction, third-party identification information representing a second entity corresponding to the transaction, and initial value data corresponding to the transaction;   identify, by the at least one processor, a plurality of applicable offers based at least in part on the user identification information, wherein the plurality of applicable offers is identified from one or more portions of a plurality of portions of distributed ledger data stored via the shared immutable blockchain, each of the one or more portions of the plurality of portions of distributed ledger data corresponding to the user identification information,   wherein the plurality of portions of distributed ledger data is shared between each of a plurality of nodes associated with an offeror network, enabling the comparison to be auditable at each of the plurality of nodes;   identify, via the at least one processor, the rule from a locally stored version of the immutable blockchain;   apply, via the at least one processor and subsequent to identification of the rule, the rule to generate an adjusted value based at least in part on a selected offset corresponding to a selected offer of the plurality of applicable offers, wherein the rule selects the selected offer from the plurality of applicable offers;   in real-time in response to generation of the adjusted value, transmit an updated data object comprising at least first data representing the first entity, second data representing the second entity corresponding to the transaction, and third data representing the adjusted value.   
     
     
         40 . The computer program product according to  claim 39 , wherein the updated data object is generated after a predetermined amount of time. 
     
     
         41 . The computer program product according to  claim 39 , wherein to identify the plurality of applicable offers, the computer program product is configured to:
 identify, via the at least one processor, at least a first portion of distributed ledger data comprising data elements indicative of the user identification information and a second entity, the first portion of distributed ledger data indicative of a first previous interaction between the first entity and the second entity; and   identify, via the at least one processor, at least a second portion of distributed ledger data comprising data elements indicative of the user identification information and a third entity, the second portion of distributed ledger data indicative of a second previous interaction between the first entity and the third entity.   
     
     
         42 . The computer program product according to  claim 41 , the computer program product further configured to:
 identify at least a first offset value provided by the second entity, wherein a first offer of the plurality of offers is represented by the first offset value; and   identify at least a second offset value provided by the third entity, wherein a second offer of the plurality of offers is represented by the second offset value.   
     
     
         43 . The computer program product according to  claim 41 , the computer program product further configured to:
 receive, via the offeror network and from the second entity, a first data object comprising a first pointer to a first particular data ledger entry in the plurality of portions of distributed ledger data; and   receive, via the offeror network and from the third entity, a second data object comprising a first pointer to a first particular data ledger entry in the plurality of portions of distributed ledger data.   
     
     
         44 . The computer program product according to  claim 39 , wherein to transmit the updated data object the computer program product is caused to:
 transmit new distributed ledger data representing at least the updated data object to at least one other node of the plurality of nodes, wherein the new distributed ledger data causes the at least one other node to store the new distributed ledger data to another locally stored instance of the immutable blockchain.