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1. WO2019194803 - SYSTEMS AND METHODS FOR PERSONAL IDENTIFICATION AND VERIFICATION

Publication Number WO/2019/194803
Publication Date 10.10.2019
International Application No. PCT/US2018/026136
International Filing Date 04.04.2018
IPC
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
36
using electronic wallets or electronic money safes
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
40
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
H ELECTRICITY
04
ELECTRIC COMMUNICATION TECHNIQUE
L
TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9
Arrangements for secret or secure communication
06
the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
H ELECTRICITY
04
ELECTRIC COMMUNICATION TECHNIQUE
L
TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9
Arrangements for secret or secure communication
32
including means for verifying the identity or authority of a user of the system
G06Q 20/36 (2012.01)
G06Q 20/38 (2012.01)
G06Q 20/40 (2012.01)
H04L 9/06 (2006.01)
H04L 9/32 (2006.01)
CPC
G06Q 20/36
G06Q 20/38
G06Q 20/40
H04L 2209/38
H04L 2209/42
H04L 2209/56
Applicants
  • BLACK GOLD COIN, INC. [US/US]; 7495 Azure Drive Suite 100 Las Vegas, NV 89130, US
  • ANDRADE, Marcus [US/US]; US
Inventors
  • ANDRADE, Marcus; US
Agents
  • HOFFMAN, David, L.; US
Priority Data
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEMS AND METHODS FOR PERSONAL IDENTIFICATION AND VERIFICATION
(FR) SYSTÈMES ET PROCÉDÉS D'IDENTIFICATION ET DE VÉRIFICATION DE PERSONNES
Abstract
(EN)
A personal/client identification and verification process, pseudonymous system and transaction network for monitoring and restricting transactions of cryptography -based electronic money (CBEM) involving clients (414, 415). In one embodiment, there is a legal identity-linked credential authentication protocol for providing a practical solution for issues related to cryptocurrency theft, KYC and AML, while maintaining user privacy. In other embodiments, there are mechanisms including a processor (420) of a central approval server (401) and/or a smart contract (707) which monitors transactions for suspicious activity. A determination of AML risk and/or other risks of running afoul of financial crimes may be made, e.g., in response to a transaction, and the determination may be expressed as a risk score. In some embodiments, transactions may be held and/or reversed. In further embodiments, a client wallet (416, 417) within the transaction network may support multiple types of cryptocurrency (CBEM) and may detect transactions from or to wallets outside of the transaction network (714), and optionally provide an alert and/or the system may take other responsive action.
(FR)
L'invention concerne un procédé d'identification et de vérification de personnes/clients, un système pseudonymique et un réseau de transaction, pour surveiller et limiter les transactions de monnaie électronique cryptographique (CBEM) impliquant des clients (414, 415). Dans un mode de réalisation, il existe un protocole d'authentification de justificatif d'identité lié à l'identité légale pour fournir une solution pratique à des problèmes liés au vol de cryptomonnaie, à la connaissance de la clientèle et à la lutte contre le blanchiment de capitaux (LBC), tout en maintenant la confidentialité de l'utilisateur. Dans d'autres modes de réalisation, il existe des mécanismes comprenant un processeur (420) d'un serveur d'approbation central (401) et/ou un contrat intelligent (707) qui surveillent des transactions pour une activité suspecte. Une détermination du risque de LBC et/ou d'autres risques d'exécution de crimes financiers peut être effectuée, par exemple, en réponse à une transaction, et la détermination peut être exprimée sous la forme d'un score de risque. Dans certains modes de réalisation, des transactions peuvent être maintenues et/ou inversées. Dans d'autres modes de réalisation, un portefeuille client (416, 417) à l'intérieur du réseau de transactions peut prendre en charge de multiples types de cryptomonnaie (CBEM) et peut détecter des transactions à partir de portefeuilles ou vers des portefeuilles à l'extérieur du réseau de transactions (714), et fournir éventuellement une alerte et/ou le système peut entreprendre d'autres actions fournies en réponse.
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