公开(公告)号：US20240354744A1

公开(公告)日：2024-10-24

申请号：US18733045

申请日：2024-06-04

申请人： PayPal, Inc.

发明人： Charles Gabriel Neale Dalton ,  Liam Julian DiGregorio

IPC分类号： G06Q20/36 ,  G06Q20/06 ,  H04L9/00 ,  H04L9/06

CPC分类号： G06Q20/3672 ,  G06Q20/0658 ,  G06Q20/3678 ,  H04L9/0643 ,  H04L9/50

摘要： Mechanisms for efficiently transferring multiple unspent transaction output (UTXO) tokens in a blockchain network operating a UTXO-based token transaction model are disclosed herein. These methods allow for the use of less computer processing and network bandwidth resources in the transfer of blockchain items, particularly in blockchain schemes with lineage tracking mechanisms (e.g. as may allow for clawback of tokens). Some embodiments comprise generating a delegated account and transferring the UTXO tokens into the delegated account. The ownership of the delegated account can then be transferred to another use of the blockchain network in a single transaction, thereby avoiding the need to individually transfer the UTXO tokens and incur the memory and computational resource burden and costs associated with therewith.

公开(公告)号：US12118544B2

公开(公告)日：2024-10-15

申请号：US17089560

申请日：2020-11-04

申请人： Diamond Standard Inc.

发明人： Cormac L. Kinney

IPC分类号： G06Q20/36 ,  G06F16/22 ,  G06F16/2457 ,  G06F16/28 ,  G06Q20/06 ,  G06Q20/38 ,  G06Q30/018 ,  G06Q30/08 ,  G06Q40/04 ,  H04L9/06 ,  H04L9/14 ,  H04L9/30 ,  H04L9/32 ,  H04W12/06 ,  H04L9/00

CPC分类号： G06Q20/3825 ,  G06F16/2264 ,  G06F16/24578 ,  G06F16/28 ,  G06F16/285 ,  G06Q20/0658 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/3678 ,  G06Q20/3829 ,  G06Q30/0185 ,  G06Q30/08 ,  G06Q40/04 ,  H04L9/0618 ,  H04L9/0637 ,  H04L9/14 ,  H04L9/30 ,  H04L9/3213 ,  H04L9/3278 ,  H04W12/06 ,  G06Q20/0655 ,  G06Q20/389 ,  G06Q30/018 ,  G06Q2220/00 ,  H04L9/50

摘要： A diamond asset comprising one or more diamonds and an encryption chip is used to asset-back a cryptographic token that can be used to conduct transactions. A user device executes an application programming interface configured to access a blockchain that stores a smart contract associated with the cryptographic token backed by the value of the one or more diamonds. When the user device receives an instruction to perform a transaction related to the cryptographic token, the user device causes the encryption chip to sign the smart contract. In response to determining that the smart contract was signed by the encryption chip, the user device causes the transaction to be performed.

公开(公告)号：US12107947B2

公开(公告)日：2024-10-01

申请号：US17327097

申请日：2021-05-21

申请人： PAYPAL, INC.

发明人： Pankaj Sarin

IPC分类号： H04L9/06 ,  G06F9/46 ,  G06F16/2458 ,  G06F21/60 ,  G06F21/64 ,  G06Q20/06 ,  H04L9/00 ,  H04L9/32 ,  H04L9/40

CPC分类号： H04L9/0637 ,  G06F9/466 ,  G06F16/2465 ,  G06F21/602 ,  G06F21/64 ,  G06Q20/0658 ,  H04L9/3213 ,  H04L9/3239 ,  H04L9/50 ,  H04L63/12 ,  G06F2216/03 ,  G06Q2220/00

摘要： The systems and methods of the multi-blockchain transaction information segregation system of the present disclosure receive a first digital transaction, which includes first digital transaction information and second digital transaction information, through a network via broadcast by a first transaction device. A primary blockchain address provided on a primary blockchain is then identified in the first digital transaction, and a primary blockchain smart contract that is stored on the primary blockchain in association with the primary blockchain address is accessed. The primary blockchain smart contract is then executed to cause the first digital transaction information to be stored on the primary blockchain, and the second digital transaction information to be stored on a secondary blockchain that is separate from the primary blockchain. In a specific example, the first digital transaction information identifies a physical property, and the second digital transaction information identifies a purchase price of the physical property.

公开(公告)号：US20240296430A1

公开(公告)日：2024-09-05

申请号：US18662439

申请日：2024-05-13

申请人： Wells Fargo Bank, N.A.

发明人： Ashish B. Kurani

IPC分类号： G06Q20/06 ,  G06Q20/36

CPC分类号： G06Q20/0658 ,  G06Q20/3676 ,  G06Q20/3678

摘要： Embodiments include a method of transferring math-based currency (MBC) funds from a source account associated with a customer computing device to a recipient account associated with a merchant computing system at a merchant physical location comprising a reading device for payment instrument. The method includes receiving a request for an MBC transaction token, generating the MBC transaction token, sending the MBC transaction token to the customer computing device. The method further includes receiving, from the merchant computing system, the MBC transaction token, determining the MBC transaction token is associated with the mobile wallet account, creating a public and private key pair for the MBC transaction. The method further includes signing and broadcasting the MBC transaction to MBC verification nodes, determining the MBC transaction was verified, transmitting an approval message.

公开(公告)号：US12079871B1

公开(公告)日：2024-09-03

申请号：US18410481

申请日：2024-01-11

申请人： Equity Shift, Inc.

发明人： Thomas Marshall Gordon, III ,  Gregory Frederick Bush

IPC分类号： G06Q40/04 ,  G06Q20/06 ,  G06Q20/36 ,  G06Q20/38 ,  H04L9/06

CPC分类号： G06Q40/04 ,  G06Q20/0658 ,  G06Q20/3678 ,  G06Q20/389 ,  H04L9/0637 ,  H04L9/0643 ,  G06Q2220/00

摘要： Systems and methods for offering and purchasing tokenized securities on a blockchain platform meeting current and future federal, state, and offering and holding entity rules and regulations. Tokenized securities purchased during or after the tokenized securities offering are tradable on a secondary market. The server computer of the tokenized securities provides an automated transfer capability for tokenized securities holders.

公开(公告)号：US12073371B1

公开(公告)日：2024-08-27

申请号：US17337154

申请日：2021-06-02

申请人： Wells Fargo Bank, N.A.

发明人： Ashish B. Kurani

IPC分类号： G06Q20/06 ,  G06Q20/20 ,  G06Q20/22 ,  G06Q20/24

CPC分类号： G06Q20/0658 ,  G06Q20/06 ,  G06Q20/065 ,  G06Q20/223 ,  G06Q20/24 ,  G06Q20/20

摘要： Systems, methods, and computer-readable storage media utilized for processing open loop math based currency (“MBC”) credit card transactions at a financial institution. One method includes receiving, via an open loop processing network, a request for an MBC transaction and generating a first code uniquely identifying the MBC transaction. The method further includes transmitting, via the open loop processing network, the first code to the customer computer device and receiving, from an acquirer/processor computer system via the open loop processing network, a second code including the first code and a public and private key pair. The method further includes determining that the public key is registered and updating a first entry of an overlay ledger and a second entry of the overlay ledger. The method further includes transmitting, via the open loop processing network, a credit guarantee and transmitting, via the open loop processing network, a receipt of the MBC transaction.

公开(公告)号：US12045807B2

公开(公告)日：2024-07-23

申请号：US18105944

申请日：2023-02-06

申请人： Bprotocol Foundation ,  Localcoin Ltd.

发明人： Eyal Hertzog ,  Guy Ben Artzi ,  Galia Benartzi ,  Yehuda Levi

IPC分类号： G06Q20/06 ,  G06F21/64 ,  G06Q20/10 ,  G06Q20/38 ,  H04L9/00 ,  G06Q20/36 ,  H04L9/32

CPC分类号： G06Q20/381 ,  G06F21/64 ,  G06Q20/065 ,  G06Q20/0658 ,  G06Q20/10 ,  G06Q20/389 ,  H04L9/50 ,  G06Q20/3678 ,  G06Q2220/00 ,  H04L9/3239 ,  H04L2209/56

摘要： Method, system, and computer program product for executing cryptocurrency transactions. A request to execute a transaction related to a first cryptocurrency token is received by a secure ledger network. The secure ledger network executes a smart contract validated thereby and determining at least one rule for performing the transaction. Execution of the transaction comprising determining a price of the first cryptocurrency token and/or an amount of at least one of the first cryptocurrency token and another cryptocurrency token obtained in exchange of one another, based on a group of parameters comprising: a total amount (Tt) of the first cryptocurrency token in circulation, a total reserve (Tr) of the other cryptocurrency token in a reserve, and a reserve ratio constant (Rr) predefined as a ratio between the total reserve and a token market cap. A secure ledger maintained by the secure ledger network is updated about completion of the transaction.

公开(公告)号：US20240232860A9

公开(公告)日：2024-07-11

申请号：US18364165

申请日：2023-08-02

申请人： IMAGENPAY UK LIMITED

发明人： Michael Donald ,  Alexander Donald

IPC分类号： G06Q20/36 ,  G06Q20/06 ,  G06Q20/34 ,  G06Q30/0226

CPC分类号： G06Q20/3674 ,  G06Q20/0658 ,  G06Q20/351 ,  G06Q20/3678 ,  G06Q30/0232

摘要： The method comprises transferring a digital asset from a first user to a second user. The method comprises authenticating the first user as the owner of the digital asset by inspecting a transaction database. The method comprises transferring the digital asset from the first user to the second user by updating the transaction database so as to identify the second user as the owner of the digital asset; and by providing a graphic asset associated with the digital asset to a user electronic device of the second user. The transfer of the digital asset may be validated using a distributed ledger such as a blockchain. The method may be performed by a system 800 comprising user electronic devices 200A, 200B, 200C, and a transaction database 801. The system comprises a user electronic device 200 comprising a communicator 201, and a processor 207 communicatively coupled to the communicator 201.

公开(公告)号：US12033198B2

公开(公告)日：2024-07-09

申请号：US17520279

申请日：2021-11-05

申请人： Nano Global Corporation

发明人： Zoltan Papp ,  Steven Papermaster ,  Eric Crawford ,  Aaron Papermaster

IPC分类号： G06Q30/00 ,  G06Q20/06 ,  G06Q20/36 ,  G06Q30/0601 ,  G06Q50/26 ,  G16B50/30

CPC分类号： G06Q30/0619 ,  G06Q20/0658 ,  G06Q20/3672 ,  G06Q50/26 ,  G16B50/30

摘要： A technology that facilitates distribution of scientific data are disclosed. Exemplary implementations may: obtain scientific data from sci-data gathering devices; analyze gathered sci-data to identify and categorize relevant scientific elements in the gathered sci-data; offer the analyzed sci-data via a marketplace in exchange for a monetary value; and deliver the analyzed sci-data via the marketplace in exchange for an acceptable monetary value.

公开(公告)号：US12014338B2

公开(公告)日：2024-06-18

申请号：US17604171

申请日：2020-04-14

申请人： GIESECKE+DEVRIENT ADVANCE52 GMBH

发明人： Florian Gawlas ,  Tilo Fritzhanns ,  Wolfram Seidemann ,  Verena Rapp ,  Maria Veleva

IPC分类号： G06Q20/06 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q20/38 ,  H04L9/00 ,  H04L9/32

CPC分类号： G06Q20/0658 ,  G06Q20/3825 ,  H04L9/008 ,  H04L2209/04 ,  H04L2209/42 ,  H04L2209/56

摘要： A device for directly transmitting electronic coin data records to another device includes accessing data storage, such that an electronic coin data record is stored in the data storage; an interface at least for outputting the at least one electronic coin data record to the other device; and a computing unit configured to mask the electronic coin data record in the device by applying a homomorphic encryption function to the electronic coin data record to obtain a masked electronic coin data record for registering the masked electronic coin data record at a monitoring entity; and to output the electronic coin data record using the interface. A payment system has a monitoring layer including a database in which masked electronic coin data records are stored; and a direct transaction layer including at least two devices in which the method can be carried out.