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1. WO2020106956 - LIGHTWEIGHT BLOCKCHAIN SUPPORTED TRANSACTION PLATFORM WITH DIGITAL BILL OPTIMIZATIONS AND DENOMINATIONS

Publication Number WO/2020/106956
Publication Date 28.05.2020
International Application No. PCT/US2019/062614
International Filing Date 21.11.2019
IPC
G06F 21/62 2013.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
60Protecting data
62Protecting access to data via a platform, e.g. using keys or access control rules
G06Q 20/06 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
04Payment circuits
06Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/36 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
36using electronic wallets or electronic money safes
G06Q 20/38 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
G06Q 30/06 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
30Commerce, e.g. shopping or e-commerce
06Buying, selling or leasing transactions
G16H 10/60 2018.01
GPHYSICS
16INFORMATION AND COMMUNICATION TECHNOLOGY SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
HHEALTHCARE INFORMATICS, i.e. INFORMATION AND COMMUNICATION TECHNOLOGY SPECIALLY ADAPTED FOR THE HANDLING OR PROCESSING OF MEDICAL OR HEALTHCARE DATA
10ICT specially adapted for the handling or processing of patient-related medical or healthcare data
60for patient-specific data, e.g. for electronic patient records
CPC
G06Q 20/065
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
04Payment circuits
06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
065using e-cash
G06Q 20/14
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
08Payment architectures
14specially adapted for billing systems
G06Q 20/36
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
36using electronic wallets or electronic money safes
G06Q 20/367
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
36using electronic wallets or electronic money safes
367involving intelligent token, e.g. electronic purse
G06Q 20/3678
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
36using electronic wallets or electronic money safes
367involving intelligent token, e.g. electronic purse
3678e-cash details, e.g. blinded, divisible or detecting double spending
G06Q 20/3827
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
382insuring higher security of transaction
3827Use of message hashing
Applicants
  • TRADOVE, INC. [US]/[US]
Inventors
  • YAN, Jun
Agents
  • NIE, Alex Y.
  • TANNER, Lorna L.
  • HIRAYAMA, Lacie C.
  • NEMIROW, Joy L.
  • SAHASRABUDHE, Kiran
  • TURNER, Dylan
  • QUIST, Trevor J.
Priority Data
62/770,73821.11.2018US
62/839,95829.04.2019US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) LIGHTWEIGHT BLOCKCHAIN SUPPORTED TRANSACTION PLATFORM WITH DIGITAL BILL OPTIMIZATIONS AND DENOMINATIONS
(FR) PLATEFORME DE TRANSACTIONS PRISE EN CHARGE PAR UNE CHAÎNE DE BLOCS LÉGÈRE AVEC OPTIMISATIONS ET DÉNOMINATIONS DE FACTURES NUMÉRIQUES
Abstract
(EN)
Systems and methods are provided for processing transactions in a blockchain supported network, including establishing a user node comprising an authenticated ID and a digital wallet, the digital wallet configured to manage token supported digital bills; depositing a number of fiat pegged tokens into the digital wallet of the first network participant's user node in exchange for a received amount of fiat currency; providing a smart contract to facilitate transaction between the first network participant and a second network participant, where the payment term is provided in fiat-currency; generating a combination of two or more token supported digital bills that satisfies the payment term and reduces, relative to another possible combination of two or more digital bills or a combination of fiat-pegged tokens, the computational expense for validation by the network participants.
(FR)
La présente invention concerne des systèmes et des procédés pour traiter des transactions dans un réseau pris en charge par une chaîne de blocs, comprenant : l’établissement d’un nœud d’utilisateur comprenant un ID authentifié et un portefeuille numérique, le portefeuille numérique étant configuré pour gérer des factures numériques prises en charge par des jetons ; le dépôt d’un certain nombre de jetons à cours forcé fixe dans le portefeuille numérique du nœud d’utilisateur du premier participant au réseau en échange d’un montant reçu de monnaie à cours forcé ; la fourniture d’un contrat intelligent pour faciliter une transaction entre le premier participant au réseau et un second participant au réseau participant, les conditions de paiement étant fournies dans la monnaie à cours forcé ; la génération d’une combinaison de deux factures numériques ou plus prises en charge par des jetons qui satisfait les conditions de paiement et réduit, relativement à une autre combinaison possible de deux factures numériques ou plus ou à une combinaison de jetons à cours forcé fixe, les dépenses informatiques pour la validation par les participants au réseau.
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