302results about "Currency conversion" patented technology

The present invention generally relates to the use of stable value digital assets and / or fiat-backed digital assets as cryptocurrencies that can be linked to other digital assets using blockchain technology and / or through a peer-to-peer network. In embodiments, the present invention relates to specific applications of non-fungible digital assets tied to a peer-to-peer network, such as a blockchain network.

The present invention provides an autonomous computing system for cryptographic asset tokenization, digital currency operations, redemption, detokenization, and full lifecycle management of tokenized assets. The system leverages formal cryptographic proofs, hybrid off-chain and on-chain ledger synchronization, and automated execution protocols to enhance regulatory compliance, asset-backed stability, and operational autonomy. Smart contracts, cryptographic hash-based commitments, and distributed validation mechanisms ensure secure, verifiable, and tamper-resistant transactions across decentralized, centralized, and hybrid environments. The system governs the entire token lifecycle by intrinsically linking asset state validation to both on-chain and off-chain records. Hardware-agnostic cryptographic processing enforces governance rules, validates asset-backed token states, and prevents over-issuance. Real-time integrity checks and automated reconciliation deliver a scalable, cryptographically secured framework for autonomous management of tokenized assets and digital currency transactions, minimizing reliance on intermediaries.

A system and associated method and service for providing a platform that enables members to transfer, receive, or otherwise exchange cash in various international denominations and commodities, such as precious metals (e.g., gold, silver, etc.), in a mobile highly secured telecommunications environment. The system is capable of delivering cash instantly between two or more users by allowing the exchange of secure transactions between system and cash dispensing machines (ATMs). Users may pay, receive, exchange, deposit, transfer, pay bills, exchange currency, retrieve cash, deposit cash and create accounts based on the mobile phone number or a system generated code.

The invention relates to the technical field of offshore trade platform data analysis methods, and discloses an offshore trade platform data analysis method and system based on a block chain, and the method comprises the steps: constructing a distributed network based on the block chain, encrypting key data in an offshore trade process, uploading the key data to a chain for storage, constructing a data analysis model on the chain, and analyzing the data in the chain. By processing and analyzing the uplink data, decision support such as risk assessment, market prediction and credit rating is provided for the user. According to the method, the security and reliability of the offshore trade data are effectively improved by using the decentralization and tamper-resistant characteristics of the block chain, transparent sharing and efficient collaboration of the data are realized through an intelligent contract and a consensus mechanism, the overall efficiency and competitiveness of the offshore trade are improved, and the healthy development of the international trade is promoted.

This disclosure provides techniques to utilize decentralized identifiers (DIDs) and verifiable credentials for secure, privacy-preserving transactions. In one aspect, a method is provided that includes: receiving user information; determining a DID based on the information; providing the DID to a user device; verifying the user's identity by validating the DID and associated verifiable credentials; and performing a transaction based on the verified DID. Other aspects are provided, such as generating a public-private key pair for the user, associating the DID with the public key, and / or creating a DID document stored on a distributed ledger accessible to authorized entities. Further aspects include processing transactions through smart contracts on a blockchain network, which may involve converting central bank digital currency to fiat currency while maintaining user privacy, applying transaction limits based on verified identity attributes, and providing zero-knowledge proofs to auditors to verify compliance without accessing underlying transaction details.

Systems and methods are provided for use in enhanced network transactions. One example method includes receiving, by a processing network, a request for a fund transfer from a mobile device, in lieu of a request from a financial institution, the fund transfer between a source account and a destination account, the mobile device associated with one of a sender user and a receiver user, the request including an amount of the fund transfer and a credential associated with the destination account; identifying, by the processing network, an acquiring credential of a financial institution that issued the source account; transmitting, by the processing network, an authorization request for the fund transfer to the financial institution, whereby the financial institution approves the fund transfer; and based on the approval from the financial institution, initiating the fund transfer between the source account and the destination account.

Methods and systems are presented for providing a framework for facilitating time-sensitive cryptocurrency transactions for users. When a request for processing a time-sensitive cryptocurrency transaction using funds from a cryptocurrency wallet is received from a user, a transaction system first verifies whether the cryptocurrency wallet has a balance to cover the cryptocurrency transaction. The transaction system also verifies the ownership of the cryptocurrency wallet based on an asynchronous method. The user generates verification data without any input from the transaction system, and based on a private key associated with the cryptocurrency wallet, a generator function, and a user-generated value. Without knowing the user-generated value, the transaction system verifies the ownership of the cryptocurrency wallet based on the verification data, and processes the transaction for the user.

Systems and methods for enabling secure and efficient interoperability between multiple blockchains, particularly for Central Bank Digital Currency (CBDC) issuance and transfer are described. This architecture allows independent blockchains, each managed by different financial institutions or authorities, to exchange digital assets using a unified cross-chain protocol. Key features include smart contracts for locking, minting, unlocking, and burning digital tokens, relayer subroutines for message transfer, and observer nodes for real-time monitoring and reconciliation. Multi-signature wallets ensure that critical actions require approval from multiple parties, enhancing security and compliance. The system supports both reversible and irreversible cross-chain transfers, dynamic load management, and upgradable smart contracts.

In certain aspects of the disclosure, a computer-implemented method includes associating a token with a token identification and associating the token identification with corresponding metadata of the token. The method includes updating and logging changes in the metadata as attributes evolve. The method includes updating token value based on the changes and publishing a real-time token value with selected information about the changes.

A system and method for facilitating cross-border financial transactions through a money movement transaction marketplace. The system allows users to trade cross-border transaction requests, matching complementary payment needs to enable conversion into domestic equivalents. It includes a matching engine for identifying transaction pairs, a conversion module for domestic settlement, and a compliance framework supporting Anti-Money Laundering (AML) and Know Your Customer (KYC) protocols. The marketplace reduces costs by enabling peer-to-peer trading of transactions, bypassing intermediaries and standard currency conversion processes. The system supports dynamic exchange rate determination, multi-currency operations, and integration with financial institutions via standardized Software System's Interfaces (e.g., APIs). Secure communication, encrypted data handling, and fraud detection mechanisms ensure compliance and reliability. By addressing inefficiencies in traditional cross-border systems, the invention promotes financial inclusion and aligns with global goals to provide accessible, cost-effective solutions for underserved populations while ensuring transparency and scalability in cross-border payments.

Method for managing payment transactions associated with a task completion includes receiving a service assignment and a digital coin value associated with the service assignment over a network from a first computing device associated with a first user, and sending the service assignment over the network for display on a second computing device associated with a second user. The method also includes receiving notification from the second user that the assigned service has been completed, and transferring digital coins equal to the digital coin value of the service assignment from a first digital wallet associated with the first user to a second digital wallet associated with the second user. The method further includes recording the transfer of the one or more digital coins in the digital coin ledger, and applying the one or more digital coins in the second digital wallet to acquire a purchase item.

In certain aspects of the disclosure, a computer-implemented method includes creating a wallet for asset tokens and creating an account for a first user upon completion of user onboarding validation. The method includes associating the account with one of an individual and a business entity. The method includes initiating one of know-your-customer (KYC) for the individual and know-your-business (KYB) for the business entity. The method includes enabling the first user to access and make transactions using the wallet.

A transactional method and system of incentivizing task performance using token-based exchange for electronic payment authentications. The system and method are configured to reward a person with electronic tokens for tasks that are performed and verified by the system. These tokens can then be exchanged by the user for completing purchases via online retailers or other electronic payment-based services. Verification can involve the use of natural language processing and image comparison algorithms to determine whether a particular task has been successfully completed.

Approaches disclosed herein provide digital payment processing that integrates cryptocurrency transactions with traditional banking systems through the use of, for example, blockchain technology in a streamlined digital payment process. As an example, a digital payment processing system may integrate cryptocurrency with exchanges and banking systems via APIs. Such integration allows for the determination and use of real-time exchange rates, as well as almost immediate transfer of funds between cryptocurrency and fiat (traditional) or other such currency. By automating the exchange process and connecting directly to financial institutions for instant fiat settlement, such approaches can effectively avoid the usual delays of blockchain (or other distributed ledger-based) confirmations. Such a system may also utilize other technologies for facilitating a faster transaction process, such as off-chain solutions or layer-2 scaling solutions.

The invention relates to the field of multi-currency quotation, in particular to a multi-currency quotation calculation method and device, computer equipment and a storage medium, and the method comprises the steps: obtaining an original data set related to quotation; acquiring instant and historical exchange rate data of the transaction currency to form a market data set; calculating a cost currency estimated value of each cost composition item and summarizing to obtain a direct cost total amount; analyzing the research data to obtain a risk level, and providing a corresponding insurance cover scheme; calculating a cash flow estimated value under the influence of the exchange rate by combining the cash flow, the historical exchange rate and the insurance cover scheme, generating and sorting a contract quotation amount sample set according to a preset gross profit rate, determining the minimum contract quotation by combining the confidence coefficient, and obtaining the final contract quotation amount according to the premium parameter. According to the method for calculating the multi-currency quotation, the problems that the traditional quotation exchange rate has no standardized calculation logic and the decision is lack of quantitative support are effectively solved, accurate cost accounting and risk management and control are realized, and enterprise profit and market competitiveness are balanced.

Systems and methods for transferring resources using dynamic grid curves are disclosed. A system receives a transfer request specifying an input resource type, a target resource type, an amount of input resources, and an identifier of a storage application associated with the user. The system determines a plurality of current transfer rates, each corresponding to a respective blockchain. The system may query each blockchain to determine an on-chain computation overhead for processing the transfer. Utilizing a maximal current transfer rate and the determined computation overhead, the system generates a grid curve representing the amount of target resources available for transfer as a function of time. The system transmits commands to the user device to display the grid curve and requests user validation for the transfer. Upon receiving user validation, the system transmits the grid curve and transfer request data to a plurality of approved operator devices for execution.

Systems and methods for a secure cross-chain atomic swaps are disclosed herein. A user submits to a swap platform a signed limit order to atomically swap an amount of input token for an output token. The swap may involve a Dutch auction approach, in which the order execution price depends on time of inclusion in a block and decreases over the duration of the Dutch auction. The swap platform provides the order details to whitelisted resolvers to evaluate if / when / how to fill the order. Once a resolver makes that determination, it can utilize smart contracts associated with the swap platform to perform the atomic swap on behalf of the user and itself (e.g., without active involvement of the user). Input tokens deposited on an escrow contract are unlocked at the same time that output tokens deposited on another escrow contract are unlocked.

A method includes initiating, by a payor computing device associated with a first jurisdiction, a payment of a desired amount to a payee computing device associated with a second jurisdiction. The method further includes receiving, by a cryptocurrency acceptance network computing device, a request to process the payment and placing a hold on collateral cryptocurrency. The method further includes sending, by the payor computing device, first cryptocurrency to the cryptocurrency acceptance network computing device, where the cryptocurrency acceptance network computing device sends the first cryptocurrency to a first cryptocurrency exchange device associated with the first jurisdiction to be converted to an amount of universally accepted cryptocurrency and sent to a second cryptocurrency exchange device associated with the second jurisdiction where the second cryptocurrency exchange device converts the amount of the universally accepted cryptocurrency to a desired currency and sends the amount of the desired currency to the payee computing device.

The invention provides a cross-border trade supply chain risk early warning system based on digital twinning, and relates to the technical field of cross-border trade. The cross-border trade supply chain risk early warning system based on digital twinning comprises an entity layer, a data acquisition layer, a digital twinning modeling layer, a data processing layer, a risk early warning layer, a safety protection layer and an application output layer, and the entity layer is a monitoring object basis of the system and covers all key physical objects in a cross-border trade supply chain; comprising suppliers, logistics carriers, storage facilities, customs nodes and purchasers in the cross-border trade supply chain. The system integrates a multi-source data acquisition module, covers full-dimensional data of policies, logistics, finance, markets, Internet of Things perception and the like, ensures the comprehensiveness of risk factor extraction, improves the coverage of risk identification, greatly improves the accuracy and real-time performance of early warning, and solves the problem that a traditional early warning mode is inaccurate and lagged in evaluation.

Embodiments described herein provide apparatus and methods for efficiently modifying existing travel reservations stored in a GDS using a graphical user interface for issuing commands to the GDS. These include commands that would typically require manual entry of commands and arguments using a command-line interface. The graphical user interface can be displayed on a display device of a computer system and used by an agent to modify the reservation by selecting a different flight, to change seating arrangements, to meet basic needs, such as wheelchair assistance and food accommodations, and to help reduce any costs charged to the user as a result of the changes as the modifications can be entered more quickly and with fewer errors.

A system and method may generate a normalized protocol model that leverages heterogeneous distributed ledger technology and is interoperable across different blockchain networks that may initially use different network protocols. The model may be generated by leveraging neuro-symbolic artificial intelligence (AI). The model that is generated may be based on the different network protocols that are in use at the different blockchain networks. The model may be adopted by the blockchain networks upon the blockchain networks providing unified consent to its adoption. The model may be required to be implemented by each of the different blockchain networks. The consensus to adopt the model may be recorded in one or more smart contracts. Copies of the smart contracts may be stored at the blockchain networks. The normalized protocol model may allow electronic transaction, data exchanges, and communications to be performed across blockchain networks and recorded in a heterogeneous distributed ledger.

Implementations are directed to providing, within the chain network, a liquidity source including a set of liquidity providers that provide a pool of native cryptocurrency, receiving, by a paymaster executed in the chain network, an amount of native cryptocurrency from the pool of native cryptocurrency, receiving, by the paymaster, an amount of non-native cryptocurrency from a user to account for a transaction fee for execution of a transaction within the chain network, and after execution of the transaction: accounting for the transaction fee using at least a portion of the amount of native cryptocurrency, determining, by the paymaster, a total cost of the transaction in the non-native cryptocurrency at least partially based on a spread, and transferring, by the paymaster, respective amounts of non-native cryptocurrency to one or more liquidity providers in the set of liquidity providers based on the spread.

Provided herein are systems, methods, and articles for generating and handling units or records derived from non-commodifiable work products, and the like. The disclosure provides for generating a certification record, including receiving work product data and generating a digitized record derived from the work product data.

Provided herein a method for secure and real-time converting a volatile asset into another asset in a quantum-resistant blockchain network using an Artificial Intelligence (AI) model. The method includes receiving volatile asset conversion request and user preferences from a user through a user device, personalizing the AI model by identifying patterns and correlations between the user preference, and the real-time behavioral patterns and the historic data of the user to personalize the AI model, predicting value of each volatile asset over time using the personalized AI model, determining an optimal time to convert each volatile asset based on the predicted value of the volatile assets over time, converting each volatile asset into another asset preferred by the user, at the determined optimal time and generating a smart contract on the quantum-resistant blockchain network to secure each volatile asset's conversation into another asset.

In certain aspects, a computer-implemented method includes monitoring data entries written on a database. The computer-implemented method includes recording at least part of the data entries written on the database to a blockchain.

Systems and methods for transferring resources between networks are disclosed herein. The system may receive a request to transfer one or more virtual resources from a first user to a second user, wherein the first user uses a first network, and the second user uses a second network. The system may determine that the one or more virtual resources are of a first resource type of a plurality of resource types, wherein the first resource type is not compatible with the second network and transform the one or more virtual resources from the first resource type into a second resource type that is compatible with the second network. The system may store the one or more virtual resources in the second resource type in an entity repository within the first network and transmit a message onto the second network indicating request completion.

The invention relates to the financial industry, more specifically to systems and methods for automatic transaction processing for funds transfer between accounts in real time upon prior approval. The described methods and systems make it possible to perform interbank transfers in real time both within one country and for cross-border funds transfers. The technical result is an expansion of the scope of application, since the system and method use the existing payments acceptance and processing infrastructure, make it is possible to use any payment instrument for transferring funds both within one country and for cross-border transfers; an improvement of the transfer rate as the funds flow is not accompanied by approval and calculation of the exchange rate and fee; an improvement of the funds transfer reliability by decreasing the likelihood of payment refusal due to the fact that the funds flow is performed after preliminary preparation.

The present invention relates to a computer implemented method 600 of effecting peer to peer payments between a payer account and a payee account. The method comprises receiving 601, from a payee device at a payer device associated with a payer account, a payment request message indicating a transaction amount, where the payer account includes tokens corresponding to a monetary value, and sending 603, from the payer device to the payee device, a message including one or more of the tokens together corresponding to a monetary value equal to the transaction amount. At a later point in time, the payer device connects 605 to a blockchain network server and sends 607 a message to record the sending of the one or more of the tokens on a blockchain ledger maintained by the blockchain network server.

A method of transferring assets and resources between virtual game economies that where machine learning logic manages the resource exchange rates and the resources with the virtual game economies to provide a stable relationship between the virtual economies. A blockchain is used to track the transactions into, out of, and between the virtual economies.

A method is provided for an endogenous decentralized monetary system. The method comprises a governance token with limited issuance, a currency token with unlimited issuance, a target exchange rate between the currency token and a fiat currency, a standard interest rate credited to holders of the currency token, indicators of inflation or deflation of the currency token, compensation for merchants' exchange loss, mechanism for crisis detection and self-stabilization of the currency token. New currency tokens are originated from rewards to consumers, merchants, and payment gateways, whenever consumers transactions / consumption are performed. The money creation is endogenous to the consumption of widely distributed consumers and is separated from borrowing and lending activities. Smart contracts automatically adjust consumer reward percentages, merchant reward percentages, and the interest rate according to a predetermined policy cycle until inflation or deflation is stabilized within a 2% exchange rate range from the target exchange rate.