US Patent 11763335 Real-time distribution of cryptocurrency rewards for a loyalty program

Introduced here are computer programs and associated computer-implemented techniques for guaranteeing a cardholder her reward for using a specialized payment card to complete a transaction based on the price of an asset when the transaction actually occurs. Acting as a digital safeguard, the technology ensures that a platform responsible for disbursing the asset will be able to account for ineligible transactions. The technologies described herein may allow the cardholder to benefit from having her reward invested in a lower risk manner. Moreover, these technologies may allow the cardholder to benefit from gains in the value of the asset over the course of a payment cycle in contrast to conventional loyalty programs.