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1. WO2022076036 - APPARATUS AND METHODS TO DEFINE AND USE BEARER TOKENS AND CERTIFIED TOKENS AND APPLICATIONS USING BEARER TOKENS AND CERTIFIED TOKENS

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Publication Number WO/2022/076036
Publication Date 14.04.2022
International Application No. PCT/US2021/032500
International Filing Date 14.05.2021
IPC
H04L 9/32 2006.1
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9Arrangements for secret or secure communication
32including means for verifying the identity or authority of a user of the system
G06Q 20/06 2012.1
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 20/40 2012.1
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
40Authorisation, 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
G06Q 20/38 2012.1
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
CPC
G06Q 20/3674
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 ; or networks
36using electronic wallets or electronic money safes
367involving electronic purses or money safes
3674involving authentication
G06Q 20/3823
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
3823combining multiple encryption tools for a transaction
G06Q 2220/00
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
2220Business processing using cryptography
H04L 2209/56
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
2209Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
56Financial cryptography, e.g. electronic payment or e-cash
H04L 9/085
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9Cryptographic mechanisms or cryptographic; arrangements for secret or secure communication
08Key distribution ; or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
0816Key establishment, i.e. cryptographic processes or cryptographic protocols whereby a shared secret becomes available to two or more parties, for subsequent use
085Secret sharing or secret splitting, e.g. threshold schemes
H04L 9/3213
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9Cryptographic mechanisms or cryptographic; arrangements for secret or secure communication
32including means for verifying the identity or authority of a user of the system ; or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
321involving a third party or a trusted authority
3213using tickets or tokens, e.g. Kerberos
Applicants
  • CONLEY, John P. [US]/[US]
  • SO, Stephanie A. [US]/[US]
  • YUEN, Lun-Shin [US]/[US]
Inventors
  • CONLEY, John P.
  • SO, Stephanie A.
  • YUEN, Lun-Shin
Agents
  • GILBERT, Cynthia M.
Priority Data
17/066,37508.10.2020US
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) APPARATUS AND METHODS TO DEFINE AND USE BEARER TOKENS AND CERTIFIED TOKENS AND APPLICATIONS USING BEARER TOKENS AND CERTIFIED TOKENS
(FR) APPAREIL ET PROCÉDÉS DE DÉFINITION ET D'UTILISATION DE JETONS AU PORTEUR ET DE JETONS CERTIFIÉS ET APPLICATIONS UTILISANT DES JETONS AU PORTEUR ET DES JETONS CERTIFIÉS
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Abstract
(EN) Methods, apparatus and techniques are disclosed to define and use bearer token records to transfer a crypto asset from a sending account and where a secret is required to be provided as a proof of possession of the bearer token to complete the transfer to a receiving account. Certified bearer tokens are locked for later transfer to a defined receiving account at generation. Lockable bearer tokens are lockable after generation via a second secret. Bearer token records may be expired to revert the crypto asset to the sending account if not completed using the secret. Bearer token records are implementable on a blockchain. Bearer tokens of small denomination crypto assets are useful for various transactions such a streaming or other online services. A computing device provides a change purse to carry and use bearer tokens. Multiple signature accounts and payment transactions are provided for crypto assets.
(FR) Sont divulgués des procédés, un appareil et des techniques de définition et d'utilisation d'enregistrements de jetons au porteur permettant de transférer un cryptoactif depuis un compte d'envoi, dans lequel il est nécessaire de fournir un secret en tant que preuve de possession du jeton au porteur pour effectuer le transfert, vers un compte de réception. Des jetons au porteur certifiés sont verrouillés pour un transfert ultérieur vers un compte de réception défini à la génération. Des jetons au porteur verrouillables peuvent être verrouillés après la génération par l'intermédiaire d'un second secret. Des enregistrements de jeton au porteur peuvent être expirés pour renvoyer le cryptoactif vers le compte d'envoi s'il n'est pas effectué à l'aide du secret. Des enregistrements de jetons au porteur peuvent être mis en œuvre sur une chaîne de blocs. Des jetons au porteur de cryptoactifs de petite valeur sont utiles pour diverses transactions telles qu'une diffusion multimédia ou d'autres services en ligne. Un dispositif informatique fournit un porte-monnaie pour transporter et utiliser des jetons au porteur. De multiples comptes de signature et transactions de paiement sont fournis pour des cryptoactifs.
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