公开(公告)号：US12118613B2

公开(公告)日：2024-10-15

申请号：US17143002

申请日：2021-01-06

申请人： HUMBL, INC.

发明人： Brian McLaren Foote ,  Adam Wolfe ,  Jeff Hinshaw

IPC分类号： G06Q40/04 ,  G06F16/27 ,  G06F21/60 ,  G06Q10/10 ,  G06Q20/06 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q40/02 ,  H04L9/08

CPC分类号： G06Q40/04 ,  G06F16/27 ,  G06F21/602 ,  G06Q20/0655 ,  G06Q20/3676 ,  G06Q20/3678 ,  G06Q20/381 ,  G06Q20/3829 ,  G06Q20/389 ,  G06Q40/02 ,  H04L9/0894 ,  G06Q10/10 ,  G06Q2220/00

摘要： A financial services system that utilizes a user device and a blockchain having a blockchain ledger includes. a host database having a non-transitory computer-readable medium including code and a host controller that executes the code. The host controller enables communication between a first digital wallet on the user device and one of a local currency account and a digital currency account to initiate a deposit via one of the currency accounts. The deposit can be assigned a transaction ID that is recorded to the blockchain ledger. The transaction ID can include a deposit currency value. A method for transferring currency includes the steps of enabling communication between a first digital wallet on a user device and one of a local currency account and a digital currency account with a host controller of a host database to initiate a deposit via one of the currency accounts, assigning a transaction ID to the deposit, and recording the transaction ID that includes a deposit currency value to a blockchain ledger.

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：US12056766B2

公开(公告)日：2024-08-06

申请号：US17013594

申请日：2020-09-05

申请人： Bosonic, Inc.

发明人： Rosario M. Ingargiola

IPC分类号： G06Q40/04 ,  G06F16/23 ,  G06F16/27 ,  G06Q10/10 ,  G06Q20/02 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/08 ,  G06Q40/03 ,  G06Q40/12 ,  H04L9/14 ,  H04L9/32 ,  H04L67/104

CPC分类号： G06Q40/04 ,  G06F16/2379 ,  G06F16/27 ,  G06Q10/10 ,  G06Q20/02 ,  G06Q20/3672 ,  G06Q20/3676 ,  G06Q20/3678 ,  G06Q20/3825 ,  G06Q20/3829 ,  G06Q20/4016 ,  G06Q20/4037 ,  G06Q20/405 ,  G06Q30/08 ,  G06Q40/03 ,  G06Q40/12 ,  H04L9/14 ,  H04L9/3213 ,  H04L67/104 ,  G06Q2220/00

摘要： Disclosed are systems and methods that utilize multiple single asset types and blockchain-based ledgers utilized by a custodian to issue a digital representation of assets held by the custodian. Trading entities place, with the custodian, respective assets that are represented on the ledgers. Genesis blocks on each blockchain-based ledger are signed by the exchange network which provides the initial trust and acts as a barricade against a rogue node from entering the network. Trading entities use the exchange network to agree on a price and enter into trades. The trades can include one asset type for another asset type. An atomic exchange is performed, and a trade is complete. Changes to token ownership are recorded on respective custodian ledgers automatically and redemption occurs upon request by a trading entity such that the ledger can be updated in actual currency and moved from the custodian to a trading entity account.

公开(公告)号：US12033140B2

公开(公告)日：2024-07-09

申请号：US17377178

申请日：2021-07-15

申请人： Bakkt Marketplace, LLC

发明人： Christopher Michael Petersen ,  Jeffrey Scott Pittelkau ,  Nikolais Linsteadt ,  Joseph Arthur Revnes ,  Brian Daniel Cooper ,  William Matthau ,  Yamini Bistesh Sagar ,  Nicolas Frederic Cabrera ,  Utkarsh Agarwal ,  Tim Kuchlein ,  Bharath Lakshmanan ,  William Andrew Bryant ,  Stephen Paul Saucier ,  Deepak Kumar ,  Anil Jaiswal ,  Byungkwon Jeon ,  Balaji Devarasetty

IPC分类号： G06Q20/38 ,  G06Q20/06 ,  G06Q20/36 ,  H04L67/133

CPC分类号： G06Q20/381 ,  G06Q20/06 ,  G06Q20/3676 ,  G06Q20/38215 ,  H04L67/133

摘要： Various embodiments are directed to processing conversions of digital assets to other digital assets. An example method includes determining a source exchange rate for a source digital asset and a fiat currency, determining a target exchange rate for a target digital asset and a fiat currency, and generating an aggregated conversion rate for the source digital asset and the target digital asset using the source exchange rate and the target exchange rate. The method further includes executing a digital asset conversion, which includes causing source digital asset units to be debited from a source digital asset user account and causing target digital asset units to be credited to a target digital asset user account, and subsequently executing fiat currency transactions (e.g., settlements) with a first digital asset exchange system associated with the source digital asset and a second digital asset exchange system associated with the target digital asset.

公开(公告)号：US11995644B2

公开(公告)日：2024-05-28

申请号：US16992579

申请日：2020-08-13

申请人： Innoplexus AG

发明人： Abhijit Keskar

IPC分类号： G06Q20/36 ,  G06F16/13 ,  G06F16/182 ,  G06F16/23 ,  G06Q10/10 ,  G06Q20/06 ,  G06Q20/38 ,  G06Q40/04 ,  H04L9/06 ,  H04L9/00

CPC分类号： G06Q20/3676 ,  G06F16/137 ,  G06F16/182 ,  G06F16/2379 ,  G06Q10/10 ,  G06Q20/0655 ,  G06Q20/3827 ,  G06Q20/3829 ,  G06Q40/04 ,  H04L9/0637 ,  G06Q2220/00 ,  H04L9/50

摘要： Disclosed is system and method for managing transactional interoperability amongst plurality of blockchains, the plurality of blockchains comprising a non-host blockchain and a host blockchain. The server arrangement is configured to append a first transaction to the non-host blockchain, first transaction comprising metadata pertaining to the user transaction, append a second transaction to the host blockchain, the second transaction comprising the first hash address, wherein second transaction triggers an initial smart contract of the host blockchain to store an operational information response at a second hash address in the distributed file storage system; append a third transaction to non-host blockchain, the third transaction comprising the second hash address, append a fourth transaction in the host blockchain, fourth transaction comprising third hash address, wherein the fourth transaction triggers initial smart contract of the host blockchain to update user wallet account based on output generated from the execution of user transaction.

公开(公告)号：US20240169358A1

公开(公告)日：2024-05-23

申请号：US17991660

申请日：2022-11-21

申请人： IGT

发明人： Jeffery Shepherd ,  Kevin Higgins

IPC分类号： G06Q20/40 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/36 ,  G07F17/32

CPC分类号： G06Q20/407 ,  G06Q20/02 ,  G06Q20/20 ,  G06Q20/3676 ,  G07F17/3237 ,  G07F17/3244

摘要： Systems and methods that utilizes a debit card as an interface to enable access to funds maintained in one or more gaming establishment accounts associated with a user.

公开(公告)号：US20240169357A1

公开(公告)日：2024-05-23

申请号：US17991557

申请日：2022-11-21

申请人： IGT

发明人： Jeffery Shepherd ,  Kevin Higgins

IPC分类号： G06Q20/40 ,  G06Q20/20 ,  G06Q20/36 ,  G07F17/32

CPC分类号： G06Q20/407 ,  G06Q20/20 ,  G06Q20/3676 ,  G07F17/3237 ,  G07F17/3241 ,  G07F17/3251

摘要： Systems and methods that utilizes a debit card as an interface to enable access to funds maintained in one or more gaming establishment accounts associated with a user.

公开(公告)号：US11990003B2

公开(公告)日：2024-05-21

申请号：US18135978

申请日：2023-04-18

申请人： IGT

发明人： Kevin Higgins ,  Jeffery Shepherd

IPC分类号： G07F17/32 ,  G06Q20/06 ,  G06Q20/10 ,  G06Q20/22 ,  G06Q20/32 ,  G06Q20/36 ,  G06Q40/02

CPC分类号： G07F17/3244 ,  G06Q20/0658 ,  G06Q20/10 ,  G06Q20/227 ,  G06Q20/3223 ,  G06Q20/367 ,  G06Q20/3676 ,  G07F17/3241 ,  G06Q20/325 ,  G06Q20/36 ,  G06Q40/02

摘要： A system that tracks the funding source of an amount of funds as the funds are transferred between various accounts or balances of various components of the system.

公开(公告)号：US20240112175A1

公开(公告)日：2024-04-04

申请号：US17958117

申请日：2022-09-30

申请人： Aristocrat Technologies, Inc.

发明人： Shivendu Shekhar ,  Michael Smith ,  Samarth Raman

IPC分类号： G06Q20/36 ,  G06Q20/10 ,  G07F17/32

CPC分类号： G06Q20/363 ,  G06Q20/10 ,  G06Q20/3676 ,  G07F17/3239 ,  G07F17/3251

摘要： An electronic gaming system including a memory device with instructions stored thereon and a processor in communication with a plurality of electronic gaming devices and the memory device is described. The instructions, when executed by the processor, cause the processor to receive digital wallet registration data including a digital wallet ID, determine that the digital wallet registration data is associated with a first player account, and store a digital wallet flag in the first player account. The instructions also cause the processor to, upon receipt of player data based on a card-in event, determine that the player data is associated with the first player account, determine that the digital wallet flag is stored in the first player account, and cause access to the digital wallet to be provided.

公开(公告)号：US20240095693A1

公开(公告)日：2024-03-21

申请号：US18362021

申请日：2023-07-31

申请人： MoneyGram International, Inc.

发明人： Yale P. Vinson ,  Bart S. van Hoek

IPC分类号： G06Q20/08 ,  G06F21/62 ,  G06Q20/02 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/40

CPC分类号： G06Q20/0855 ,  G06F21/6245 ,  G06Q20/02 ,  G06Q20/363 ,  G06Q20/3676 ,  G06Q20/3821 ,  G06Q20/38215 ,  G06Q20/389 ,  G06Q20/4015 ,  G06Q20/405

摘要： Systems, methods, and computer-readable storage media configured to facilitate execution of transactions via a money transfer network are disclosed. During execution of the transactions, tokenized identity information may be utilized when exchanging transaction data between geographically distributed nodes of the money transfer network and the transactions are recorded to a distributed ledger maintained by the nodes. Smart contracts may be utilized to digitally sign transactions at various stages of transaction processing, such as at different stages of regulatory compliance validation and to authenticate the validity of the requested transaction (e.g., prevent double-spends). Utilizing tokenized identity information may reduce the likelihood that personally identifiable information (PII data) is obtained by or inadvertently provided to unauthorized third parties or systems. Additionally, the distributed ledger may record information in immutable records, thereby increasing the reliability and trustworthiness (e.g., for auditing purposes) of the data stored on the distributed ledger.