Method and system for activating wallet private key through block chain address

Abstract

A method of registering an identified blockchain wallet using a payment card includes receiving payment detail information of a payment card issued for a transaction account, the payment detail information including a card identifier and being received from one of an integrated circuit payment card and a financial application; receiving wallet detailed information of the block chain wallet, wherein the wallet detailed information comprises a wallet identifier; transmitting the card identifier and the wallet identifier to an activation server storing an association between the wallet identifier and the transaction account; receiving an activation message from an activation server; and transmitting an instruction to an integrated circuit payment card or a financial application to enable use of a private key in a cryptographic key pair associated with the blockchain wallet.

Description

[0001] CROSS-REFERENCE TO RELATED APPLICATIONS

[0002] This application claims the benefit of U.S. patent application No. 63 / 441,618, filed January 27, 2023, the entire contents of which are incorporated herein by reference for all purposes. Technical Field

[0003] The present disclosure relates to activation of a blockchain wallet, and more particularly to registration and activation of a blockchain wallet by using an issued payment card. Background Art

[0004] Blockchain wallets generally come in two different forms: custodied and self-hosted. A custodied wallet is one in which a separate entity from the consumer (such as a cryptocurrency exchange or bank) holds the private keys used to execute transactions. This requires some understanding from the consumer to ensure they are authorized to conduct transactions. A self-hosted wallet is one in which the consumer holds the private keys to their blockchain wallet, such as on their personal desktop computer or smartphone. With a self-hosted wallet, consumers can participate in transactions on the blockchain completely anonymously, without providing any identifying information to the blockchain or any other parties involved.

[0005] Traditionally, blockchains operate in an anonymous manner, where the identities of all parties involved in a transaction remain anonymous. However, due to fraudulent activity by consumers, cryptocurrency exchanges, and others, there is growing interest in regulating cryptocurrency transactions and other transactions conducted using blockchains. This regulation could require each consumer to provide identification in order to participate in transactions stored on the blockchain. Currently, blockchain networks are largely unable to perform such functions, and due to the decentralized nature of most blockchain networks, complying with such regulations would be extremely difficult and costly.

[0006] Therefore, a technical solution is needed that can provide the identification of consumers in a blockchain network in a manner that is minimally disruptive to the blockchain network and consumers. Summary of the Invention

[0007] This disclosure provides a description of systems and methods for registering an identified blockchain wallet using a payment card. A consumer can issue a payment card for a transaction account in either a physical format (e.g., an integrated circuit payment card) or a virtual format (e.g., a tokenized payment card stored on a smartphone or other computing device). The consumer can request the creation of a new blockchain wallet to be associated with the transaction account, where a cryptographic key pair for the blockchain wallet can be provided by the consumer's integrated circuit payment card or their computing device (e.g., by a financial institution or other appropriate entity) or generated directly. After creation, the blockchain wallet can be locked or disabled until the consumer's identity is registered. The consumer can submit a request to an activation server, including the identifiers of the payment card and the blockchain wallet. The activation server can record the association between the transaction account and the blockchain wallet and provide an activation message to the consumer's computing device. The computing device can then generate instructions for the payment card or application to unlock or enable the blockchain wallet for blockchain transactions. Thus, consumers of blockchain wallets can register their identities without modifying existing blockchain practices and with minimal disruption to the consumer.

[0008] A method for registering an identified blockchain wallet using a payment card includes: receiving, by a receiver of a computing device, payment details of a payment card issued for a transaction account, wherein the payment details include at least a card identifier, wherein the payment details are received from one of: an integrated circuit payment card and a financial application; receiving, by the receiver of the computing device, wallet details of a blockchain wallet, the wallet details including at least a wallet identifier; transmitting, by a transmitter of the computing device, at least the card identifier and the wallet identifier to an activation server, wherein the activation server stores an association between the wallet identifier and the transaction account; receiving, by the receiver of the computing device, an activation message from the activation server; and transmitting, by the transmitter of the computing device, to the integrated circuit payment card or the financial application, an instruction to enable use of a private key in a cryptographic key pair associated with the blockchain wallet.

[0009] A system for registering an identified blockchain wallet using a payment card includes: an activation server; a computing device; and one of an integrated circuit payment card and a financial application, wherein the computing device includes: a receiver that receives payment details of a payment card issued for a transaction account, the payment details including at least a card identifier, wherein the payment details are received from the integrated circuit payment card or the financial application, and receives wallet details of a blockchain wallet, the wallet details including at least the wallet identifier; and a transmitter that transmits at least the card identifier and the wallet identifier to the activation server, wherein the activation server stores an association between the wallet identifier and the transaction account, wherein the receiver of the computing device further receives an activation message from the activation server, and the transmitter of the computing device further transmits to the integrated circuit payment card or the financial application an instruction to enable use of a private key in a cryptographic key pair associated with the blockchain wallet. BRIEF DESCRIPTION OF THE DRAWINGS

[0010] The scope of the present disclosure is best understood from the following detailed description of exemplary embodiments when read in conjunction with the accompanying drawings, which include the following figures:

[0011] Figure 1 is a block diagram illustrating a high-level system architecture for registering a blockchain wallet using a payment card according to an exemplary embodiment.

[0012] Figure 2 FIG. 1 is a diagram illustrating a method of registering a blockchain wallet using a payment card according to an exemplary embodiment. Figure 1 A block diagram of a computing device in a system.

[0013] Figure 3A and Figure 3B is a diagram illustrating a method of Figure 1 Flowchart of a process performed by a system for registering a blockchain wallet using a payment card.

[0014] Figure 4 is a flow chart illustrating an exemplary method of registering an identified blockchain wallet using a payment card according to an exemplary embodiment.

[0015] Figure 5 is a block diagram illustrating a computer system architecture according to an exemplary embodiment.

[0016] Further areas of applicability of the present disclosure will become apparent from the detailed description provided hereinafter.It should be understood that the detailed description of the exemplary embodiments is for illustration purposes only and is not intended to necessarily limit the scope of the present disclosure. DETAILED DESCRIPTION

[0017] A system for registering blockchain wallets using payment cards

[0018] Figure 1Illustrated is a system 100 for registering a consumer identity associated with a blockchain wallet via use of an issued payment card.

[0019] The system 100 may include a computing device 102. The computing device 102, discussed in more detail below, may be a device owned or otherwise used by a consumer 114, such as a desktop computer, laptop computer, tablet computer, notebook computer, cellular phone, smartphone, smartwatch, smart TV, wearable computing device, ATM, point-of-sale system, etc. The consumer 114 may utilize the computing device 102 to register their identity and blockchain wallet for use in a regulated blockchain via the use of a payment card 110.

[0020] The system 100 may include a blockchain network 104. The blockchain network 104 may be composed of a plurality of blockchain nodes 106. Each blockchain node 106 may be a blockchain node such as discussed in more detail below. Figure 5 The computing system shown in FIG is configured to perform functions related to the processing and management of a blockchain, including generation of blockchain data values, verification of proposed blockchain transactions, verification of digital signatures, generation of new blocks, validation of new blocks, and maintenance of copies of the blockchain.

[0021] A blockchain may be a distributed ledger consisting of at least a plurality of blocks. Each block may include at least a block header and one or more data values. Each block header may include at least a timestamp, a block reference value, and a data reference value. The timestamp may be the time when the block header was generated and may be represented using any suitable method (e.g., UNIX timestamp, DateTime, etc.). The block reference value may be a value that references an earlier block in the blockchain (e.g., based on a timestamp). In some embodiments, the block reference value in the block header may be a reference to the block header of the most recently added block before the corresponding block. In an exemplary embodiment, the block reference value may be a hash value generated by hashing the block header of the most recently added block. Similarly, the data reference value may be a reference to one or more data values ​​stored in the block that includes the block header. In an exemplary embodiment, the data reference value may be a hash value generated by hashing the one or more data values. For example, the block reference value may be the root of a Merkle tree generated using the one or more data values.

[0022] The use of block reference values ​​and data reference values ​​in each block header renders the blockchain immutable. Any attempted modification of a data value will require the generation of a new data reference value for that block, which in turn will require the generation of new block reference values ​​for subsequent blocks, further requiring the generation of a new block reference value in each subsequent block. This must be performed and updated in every single blockchain node 106 in the blockchain network 104 before a new block is generated and added to the blockchain in order to make the change permanent. Computational and communication limitations can make such modifications extremely difficult, if not impossible, thereby rendering the blockchain immutable.

[0023] In some embodiments, a blockchain can be used to store information about blockchain transactions conducted between two different blockchain wallets. A blockchain wallet can include a private key from a cryptographic key pair, which is used to generate a digital signature that serves as authorization for a blockchain transaction by a payer, where the digital signature can be verified by blockchain network 104 using a public key from the cryptographic key pair. In some cases, the term "blockchain wallet" may refer exclusively to a private key. In other cases, the term "blockchain wallet" may refer to a computing device (e.g., computing device 102, etc.) that stores a private key for use in blockchain transactions. For example, each computing device may have its own private key from a corresponding cryptographic key pair, and each computing device may be a blockchain wallet for conducting transactions with a blockchain associated with the blockchain network. A computing device may be any type of device suitable for storing and utilizing a blockchain wallet, such as a desktop computer, laptop computer, notebook computer, tablet computer, cellular phone, smartphone, smartwatch, smart TV, wearable computing device, implantable computing device, etc.

[0024] If applicable, each blockchain data value stored in the blockchain may correspond to a blockchain transaction or other data store. A blockchain transaction may include at least: a digital signature of the sender of the currency (e.g., first computing device 102) generated using the sender's private key; the blockchain address of the recipient of the currency (e.g., second computing device 102) generated using the recipient's public key; and the amount of the blockchain currency transferred or other stored data. In some blockchain transactions, the transaction may also include one or more blockchain addresses where the sender currently stores the blockchain currency (e.g., a digital signature proving they have access to such currency), as well as addresses generated using the sender's public key for any changes the sender wishes to retain. Addresses to which cryptocurrency has been sent that can be used in future transactions are referred to as "output" addresses, as each address has previously been used to capture the output of a previous blockchain transaction. They are also referred to as "unspent transactions," as currency has been sent to an address in a previous transaction but remains unspent. In some cases, a blockchain transaction may also include the sender's public key for use by entities verifying the transaction. For traditional processing of blockchain transactions, this data may be provided by the sender or recipient to a blockchain node 106 in the blockchain network 104. The node can verify the digital signature using the public key in the cryptographic key pair of the sender's wallet and also verify the sender's access to the funds (e.g., unspent transactions have not been spent and sent to the address associated with the sender's wallet), a process known as "confirmation" of the transaction, and then include the blockchain transaction in a new block. In traditional blockchain implementations, the new block can be verified by other blockchain nodes 106 in the blockchain network 104 before being added to the blockchain and distributed to all blockchain nodes 106 in the blockchain network 104. In cases where the blockchain data value may not be related to blockchain transactions, but rather related to the storage of other types of data, the blockchain data value may still include or otherwise involve verification of the digital signature.

[0025] In the system 100, the blockchain can be a regulated blockchain, wherein the blockchain network 104 requires registration of the identity of a consumer 114 who controls a blockchain wallet before unlocking the blockchain wallet for blockchain transactions stored on the regulated blockchain. In the system 100, the consumer and their blockchain wallet can be registered using a payment card 110 issued to the consumer 114. For the payment card 100 to be issued, various identifying information is collected according to Know Your Customer (KYC) requirements and business practices.

[0026] System 100 may include a financial institution 108. Financial institution 108 may be a bank or other entity that issues a transaction account to a consumer 114 for sending or receiving funds in electronic payment transactions. As part of issuing a transaction account to consumer 114, financial institution 108 may issue a payment card 110 to consumer 114. Payment card 110 may be a physical card, such as an integrated circuit card (also known as a "chip" card), or a virtual card, such as a tokenized payment card that can be used via a dedicated application on computing device 102. For example, computing device 102 may store and execute an application associated with financial institution 108, wherein the application may be used to utilize the tokenized payment card. Financial institution 108 may issue a transaction account and payment card 110 to consumer 114 only after receiving sufficient identifying information about consumer 114 using conventional methods and systems.

[0027] The physical payment card 110 or the computing device 102 (if the payment card 110 is virtual), as applicable, may store payment details related to the payment card 110 for use when conducting payment transactions using the payment card 110. The payment details may include any data suitable for use when conducting a payment transaction, which may include a transaction account number, name, billing address, expiration date, security code, etc. In the system 100, the payment details of the payment card 110 may include a card identifier, which is a unique value associated with the payment card 110 and is used to identify the payment card in communications conducted herein. The card identifier may be composed of the aforementioned data or a portion of the data (e.g., the transaction account number, the last four digits of the transaction account number, etc.) or a separately generated value (such as a hash value, a randomly generated alphanumeric value, etc.).

[0028] In system 100, consumer 114 may utilize computing device 102 to request the creation of a new blockchain wallet for use in transactions on a blockchain associated with blockchain network 104. Consumer 114 may utilize a suitable input device of computing device 102 to request the use of payment card 110 to identify consumer 114 in order to register a blockchain wallet. Computing device 102 may receive the consumer's input and initiate the creation of a new blockchain wallet. In some cases, the blockchain wallet (e.g., cryptographic keys for blockchain transactions) may be generated by computing device 102, such as via an application associated with financial institution 108 or other application. In other cases, the blockchain wallet may be generated by payment card 110 upon request by computing device 102, such as by executing suitable code using an integrated circuit of payment card 110. In such embodiments, the blockchain wallet and its associated data may be stored locally in the memory of payment card 110.

[0029] Once a blockchain wallet has been generated, a wallet identifier may be provided to the computing device 102 (e.g., by the payment card 110, an application that generates a cryptographic key pair, etc.). The wallet identifier may be a unique value used to identify the blockchain wallet among other blockchain wallets registered with the blockchain network 104. In some cases, the wallet identifier may be a public key in a cryptographic key pair used as a blockchain wallet.

[0030] In an exemplary embodiment, the payment card 110 or the computing device 102 (if the payment card 110 is virtual), as applicable, may lock or otherwise disable the blockchain wallet (e.g., or the private key of the blockchain wallet) from being used for blockchain transactions. The blockchain wallet may remain locked and disabled until an activation message is provided to it by an activation server 112 authorized by the blockchain network 104. The activation server 112 may be a computing system such as Figure 5 As shown in and discussed in more detail below, the computing system is configured to register the consumer identity of the blockchain wallet to comply with applicable regulations or requirements. In some cases, the activation server 112 can be a blockchain node 106 in the blockchain network 104. In some instances, the activation server 112 can be part of the financial institution 108.

[0031] After generating the blockchain wallet, computing device 102 may submit an activation request to activation server 112 using a suitable communication network and method. The activation request may include at least a card identifier associated with payment card 110 and a wallet identifier associated with the generated blockchain wallet. Activation server 112 may receive the activation request from computing device 102 and store the association between the wallet identifier and the card identifier in its database. This storage of the association may serve as a registry of the blockchain wallet and the identity of consumer 114, which may satisfy the requirements for activating the blockchain wallet. In such cases, activation server 112 may not store any personally identifiable information about consumer 114. In instances where identification of consumer 114 associated with a blockchain transaction is required (e.g., due to regulatory or blockchain network 104 requirements), the wallet identifiers of the blockchain wallets participating in the blockchain transaction may be identified and provided to activation server 112. Activation server 112 may respond with the associated card identifier, which interested parties may use to request identity information about consumer 114 from financial institution 108. Thus, activation server 112 may facilitate identification of consumer 114 without even possessing any personally identifiable information.

[0032] Once the activation server 112 registers the association between the blockchain wallet and the payment card 110, the activation server 112 may return an activation message to the computing device 102. The computing device 102 may receive the activation message and then generate instructions, which may be transmitted to the payment card 110 or application, as applicable, to unlock or enable the blockchain wallet for use in future blockchain transactions. Thus, the consumer 114 may use their new blockchain wallet on a regulated blockchain only after registering their identity using their payment card 110.

[0033] In some cases, activation server 112 may include a digital signature in the activation message, or may digitally sign the activation message directly. In such cases, activation server 112 may have its own cryptographic key pair, where activation server 112 uses its own private key to generate the digital signature. Activation server 112 may digitally sign data (e.g., wallet identifier, card identifier, a combination thereof, activation message, etc.) using the private key, and computing device 102 may verify the digital signature using the corresponding public key from the activation server's cryptographic key pair (which may be obtained using any suitable method). For additional security, computing device 102 may be configured to instruct payment card 110 or the application to unlock the blockchain wallet, if applicable, only after the activation message has been successfully verified.

[0034] Using the methods and systems discussed herein, the identity of a consumer 114 can be quickly registered with a blockchain wallet using a payment card 110 issued to the consumer 114 by a financial institution 108 that already knows the consumer's 114 identity. The result is a system that can quickly and easily meet necessary regulations or requirements without modifying the existing blockchain network 104 and with minimal interaction from the consumer 114. The system 100 is also applicable to both physical payment cards 110 and virtual payment cards stored on a computing device 102 (such as a smartphone). For physical cards, the consumer 114 can insert their payment card 110 into an automated teller machine (ATM) (e.g., as the computing device 102), where they can use the ATM's interface to instruct the payment card 110 to generate a blockchain wallet and proceed with the registration process described above, thereby generating a registered blockchain wallet using the ATM's functionality, a process familiar to the consumer 114. For virtual cards, the consumer 114 can use their existing banking application to generate and register a new blockchain wallet using a trusted and familiar interface. This can provide easy and convenient compliance with identity regulations for the blockchain network 104.

[0035] computing devices

[0036] Figure 2An embodiment of a computing device 102 is illustrated. It will be apparent to those skilled in the relevant art that Figure 2 The embodiments of the computing device 102 shown in the figures are provided for illustration only and are not intended to be exhaustive of all possible configurations of the computing device 102 suitable for performing the functions discussed herein. For example, Figure 5 The computer system 500 shown in FIG and discussed in more detail below may be a suitable configuration for the computing device 102. In some cases, additional components of the system 100 (such as the blockchain node 106, the financial institution 108, the payment card 110, and the activation server 112) may include Figure 2 Components shown in and discussed below.

[0037] Computing device 102 may include a receiving device 202. Receiving device 202 may be configured to receive data over one or more networks via one or more network protocols. In some instances, receiving device 202 may be configured to receive data from blockchain node 106, financial institution 108, payment card 110, activation server 112, and other systems and entities via one or more communication methods (such as radio frequency, local area network, wireless area network, cellular communication network, Bluetooth, the Internet, etc.). In some embodiments, receiving device 202 may be comprised of multiple devices, such as different receiving devices for receiving data over different networks, such as a first receiving device for receiving data over a local area network and a second receiving device for receiving data over the Internet. Receiving device 202 may receive an electronically transmitted data signal, where data may be superimposed or otherwise encoded on the data signal, and decode, parse, read, or otherwise obtain the data via reception of the data signal by receiving device 202. In some cases, receiving device 202 may include a parsing module for parsing the received data signal to obtain the data superimposed thereon. For example, receiving device 202 may include a parser program configured to receive a received data signal and transform it into usable input for functions performed by a processing device to implement the methods and systems described herein.

[0038] The receiving device 202 may be configured to receive data signals electronically transmitted by the blockchain node 106, which may be superimposed on or otherwise encoded with communication data, blockchain node addresses, activation server 112 data and addresses, etc. The receiving device 202 may also be configured to receive data signals electronically transmitted by the financial institution 108 and payment card 110, which may be superimposed on or otherwise encoded with payment details including a card identifier. The receiving device 202 may also be configured to receive data signals electronically transmitted by the activation server 112, which may be superimposed on or otherwise encoded with an activation message that may be digitally signed or include a digital signature.

[0039] The computing device 102 may also include a communication module 204. The communication module 204 may be configured to transfer data between modules, engines, databases, memory, and other components of the computing device 102 for performing the functions discussed herein. The communication module 204 may include one or more communication types and utilize various communication methods to communicate within the computing device. For example, the communication module 204 may be composed of a bus, contact pin connectors, wires, etc. In some embodiments, the communication module 204 may also be configured to communicate between internal components of the computing device 102 and external components of the computing device 102 (such as externally connected databases, display devices, input devices, etc.). The computing device 102 may also include a processing device. The processing device may be configured to perform the functions of the computing device 102 discussed herein, as will be apparent to those skilled in the relevant art. In some embodiments, the processing device may include and / or be composed of multiple engines and / or modules that are specifically configured to perform one or more functions of the processing device, such as the query module 216, the generation module 218, the verification module 220, etc. As used herein, the term "module" can be software or hardware that is specifically programmed to receive input, perform one or more processes using the input, and provide output. Based on this disclosure, the inputs, outputs, and processes performed by the various modules will be apparent to those skilled in the art.

[0040] The computing device 102 may also include an account database 206. The account database 206 may be configured to store one or more account profiles 208 using a suitable data storage format and schema. The account database 206 may be a relational database that uses a structured query language to store, identify, modify, update, access, and the like structured data sets stored therein. Each account profile 208 may be a structured data set configured to store data related to a consumer account (such as a transaction account or a blockchain wallet), which may include, for example, a card identifier, a wallet identifier, payment details, a cryptographic key pair, unspent transaction outputs, an account balance, and the like.

[0041] Computing device 102 may also include memory 214. Memory 214 may be configured to store data for use by computing device 102 in performing the functionality discussed herein, such as public and private keys, symmetric keys, and the like. Memory 214 may be configured to store data using suitable data formatting methods and schemas and may be any suitable type of memory, such as read-only memory, random access memory, and the like. Memory 214 may include, for example, cryptographic keys and algorithms, communication protocols and standards, data formatting standards and protocols, program code for processing modules and applications for the device, and other data suitable for use by computing device 102 in performing the functionality disclosed herein, as will be apparent to those skilled in the relevant art. In some embodiments, memory 214 may comprise or otherwise include a relational database that utilizes a structured query language to store, identify, modify, update, access, and the like structured data sets stored therein. Memory 214 may be configured to store, for example, cryptographic keys, cryptographic key pairs, cryptographic algorithms, encryption algorithms, communication information, data formatting rules, network identifiers, payment details, blockchain wallet data, and the like.

[0042] The computing device 102 may also include an input device 210. The input device 210 may be configured to receive input from a user of the computing device 102 (e.g., the consumer 114), which may be provided to other devices or modules of the computing device 102, such as via the communication module 204. The input device 210 may be comprised of one or more input devices, which may include, for example, a capacitive touch display, a microphone, a keyboard, a mouse, a camera, an optical imaging device, a trackpad, a keypad, etc. For example, the input device 210 may receive instructions from the consumer 114 to generate a blockchain wallet and submit an activation request to the activation server 112.

[0043] The computing device 102 may also include a display device 212. The display device 212 may be configured to display data to a user (e.g., the consumer 114) using one or more graphical user interfaces. The data for display on the display device 212 may be provided to it by other devices or modules of the computing device 102 via the communication module 204. The display device 212 may be composed of one or more devices, which may include, for example, a capacitive touch display, a liquid crystal display, a light-emitting diode display, a thin-film transistor display, etc. The display device 212 may be configured to display application data to the consumer 114 via the one or more user interfaces, such as commands for selecting, for example, to generate a blockchain wallet, select a payment card 110 for identification, submit an activation request, initiate a blockchain transaction, etc.

[0044] The computing device 102 may include a query module 216. The query module 216 may be configured to perform a query on a database to identify information. The query module 216 may receive one or more data values ​​or query strings and, based on the data values ​​or query strings, may perform the query string on a designated database (such as the account database 206 of the computing device 102) to identify information stored therein. The query module 216 may then output the identified information to an appropriate engine or module of the computing device 102 as needed. For example, the query module 216 may perform a query on the account database 206 to identify the account profile 208 associated with the payment card 110 to identify the card identifier stored therein for the activation request.

[0045] The computing device 102 may also include a generation module 218. The generation module 218 may be configured to generate data for use by the computing device 102 in performing the functionality discussed herein. The generation module 218 may receive instructions as input, may generate data based on the instructions, and may output the generated data to one or more modules of the computing device 102. For example, the generation module 218 may be configured to generate data messages, notification messages, response messages, cryptographic keys, blockchain transactions, blockchain data values, digital signatures, instructions, and the like.

[0046] The computing device 102 may also include a verification module 220. The verification module 220 may be configured to perform verification on the computing device 102 as part of the functionality discussed herein. The verification module 220 may receive as input instructions, which may also include data for performing verification, may perform verification upon request, and may output the results of the verification to another module or engine of the computing device 102. For example, the verification module 220 may be configured to verify a digital signature of an activation message before unlocking a blockchain wallet for use in a regulated blockchain.

[0047] Computing device 102 may also include a transmission device 222. Transmission device 222 may be configured to transmit data over one or more networks via one or more network protocols. In some instances, transmission device 222 may be configured to transmit data to blockchain node 106, financial institution 108, payment card 110, activation server 112, and other entities via one or more communication methods, including a local area network (LAN), a wireless area network (WLAN), cellular communications, Bluetooth, radio frequency (RF), the internet, and the like. In some embodiments, transmission device 222 may be comprised of multiple devices, such as different transmission devices for transmitting data over different networks, such as a first transmission device for transmitting data over a local area network and a second transmission device for transmitting data over the internet. Transmission device 222 may electronically transmit a data signal with superimposed data, which can be parsed by a receiving computing device. In some instances, transmission device 222 may include one or more modules for superimposing, encoding, or otherwise formatting data into a data signal suitable for transmission.

[0048] The transmission device 222 may be configured to electronically transmit a data signal to the blockchain node 106, which may be superimposed on or otherwise encoded with a request for blockchain data, a request for data from the activation server 112, etc. The transmission device 222 may also be configured to electronically transmit a data signal to the financial institution 108 and the payment card 110, which may be superimposed on or otherwise encoded with a request for payment details and a card identifier, instructions for unlocking a blockchain wallet, etc. The transmission device 222 may also be configured to electronically transmit a data signal to the activation server 112, which may be superimposed on or otherwise encoded with an activation request that may include a card identifier and a wallet identifier.

[0049] Processing of registering blockchain wallet using payment card

[0050] Figure 3A and Figure 3B The diagram shows Figure 1 The system 100 of FIG. 1 includes a process 300 for registering a blockchain wallet for a regulated blockchain using identity information associated with a payment card.

[0051] In step 302, the transmission device 222 of the computing device 102 may transmit a wallet creation request message to the payment card 110 using a suitable communication network and method (such as via near-field communication) (e.g., after the consumer 114 receives the instruction via the input device 210). The wallet creation request message may include instructions for the payment card 110 to generate a new blockchain wallet for the regulated blockchain. In step 304, the payment card 110 may receive the wallet request. In step 306, the payment card 110 may generate a blockchain wallet by generating a cryptographic key pair to be used as a blockchain wallet for the regulated blockchain. The payment card 110 may store the cryptographic key pair in its memory and disable the blockchain wallet so that it cannot be used until it receives the activation instruction.

[0052] In step 308, the payment card 110 may electronically transmit the card identifier of the payment card 110 and the generated wallet identifier of the blockchain wallet to the computing device 102 using a suitable communication network and method. In step 310, the receiving device 202 of the computing device 102 may receive the account identifier from the payment card 110. In step 312, the generating module 218 of the computing device 102 may generate an activation request message including the card identifier and the wallet identifier, which may be transmitted by the transmitting device 222 of the computing device 102 using a suitable communication network and method to the activation server 112. In step 314, the activation server 112 may receive the activation request message.

[0053] In step 316, activation server 112 may use the card identifier included in the activation request message to identify the transaction account to which the new blockchain wallet is to be registered. In step 318, activation server 112 may create and store an association between the newly generated blockchain wallet and the payment card, such as by storing the wallet identifier and the card identifier in an association database. In step 320, activation server 112 may generate a digital signature using a private key from a cryptographic key pair associated with activation server 112. This digital signature may be included in an activation message, which, in step 322, is electronically transmitted by activation server 112 to computing device 102 using a suitable communication network and method.

[0054] In step 324, the receiving device 202 of the computing device 102 may receive the activation message with the digital signature from the activation server 112. In step 326, the verification module 220 of the computing device 102 may verify the digital signature using the public key of the cryptographic key pair associated with the activation server 112. After successfully verifying the digital signature, as a result of receiving the verified activation message, the generation module 218 of the computing device 102 may generate instructions for the payment card 110 to enable the blockchain wallet in step 328. In step 330, the transmission device 222 of the computing device 102 may electronically transmit the instruction message including the generated instructions to the payment card 110 using a suitable communication network and method. In step 332, the payment card 110 may receive the instruction message and, in step 334, execute the instructions to enable the blockchain wallet for use in future blockchain transactions on the regulated blockchain.

[0055] Blockchain wallet registration example method

[0056] Figure 4 A method 400 of registering an identified blockchain wallet using a payment card is illustrated.

[0057] In step 402, a receiver (e.g., receiving device 202) of a computing device (e.g., computing device 102) may receive payment details of a payment card (e.g., payment card 110) issued for a transaction account, the payment details including at least a card identifier, wherein the payment details are received from one of: an integrated circuit payment card and a financial application. In step 404, the receiver of the computing device may receive wallet details of a blockchain wallet, the wallet details including at least a wallet identifier. In step 406, a transmitter (e.g., transmitting device 222) may transmit at least the card identifier and the wallet identifier to an activation server (e.g., activation server 112), wherein the activation server stores an association between the wallet identifier and the transaction account.

[0058] In step 408, an activation message may be received by a receiver of the computing device from the activation server. In step 410, an instruction to enable use of a private key of a cryptographic key pair associated with the blockchain wallet may be transmitted by a transmitter of the computing device to the integrated circuit payment card or financial application.

[0059] In one embodiment, the wallet identifier may be a public key from a cryptographic key pair associated with the blockchain wallet. In some embodiments, the activation message may include a digital signature generated by the activation server using a private key from a second cryptographic key pair, and method 400 may further include verifying the digital signature by a processor of the computing device (e.g., verification module 220) using the public key from the second cryptographic key pair. In further embodiments, method 400 may further include transmitting a verification message from the computing device's transmitter to the activation server upon successful verification of the digital signature. In another further embodiment, upon successful verification of the digital signature, instructions may be transmitted to an integrated circuit payment card or financial application.

[0060] In one embodiment, the wallet details may be generated by an integrated circuit payment card or a financial application. In a further embodiment, method 400 may further include: receiving, by an input device of the computing device (e.g., input device 210), a request to generate a blockchain wallet from a user of the computing device; and, as a result of the received request, transmitting, by a transmitter of the computing device, an instruction to generate the wallet details to the integrated circuit payment card or the financial application. In some embodiments, the computing device may be one of the following: a mobile computing device, a smartphone, an automated teller machine, and an integrated circuit payment card.

[0061] Computer system architecture

[0062] Figure 5 A computer system 500 is illustrated in which embodiments of the present disclosure, or portions thereof, may be implemented as computer-readable code. For example, computing device 102, blockchain node 106, financial institution 108, payment card 110, and activation server 112 may be implemented in computer system 500 using hardware, a non-transitory computer-readable medium having instructions stored thereon, or a combination thereof, and may be implemented in one or more computer systems or other processing systems. Hardware may be implemented to implement Figure 3A 、 Figure 3B and Figure 4 Modules and components of the method.

[0063] If programmable logic is used, such logic can be executed on a commercially available processing platform configured by executable software code to become a special-purpose computer or special-purpose device (e.g., a programmable logic array, an application-specific integrated circuit, etc.). It will be appreciated by those skilled in the art that the embodiments of the disclosed subject matter can be practiced with a variety of computer system configurations, including multi-core multi-processor systems, minicomputers, mainframe computers, computers linked or clustered with distributed functionality, and pervasive or microcomputers that can be embedded in virtually any device. For example, the above-described embodiments can be implemented using at least one processor device and memory.

[0064] As discussed herein, a processor unit or device may be a single processor, a plurality of processors, or a combination thereof. A processor device may have one or more processor "cores." As discussed herein, the terms "computer program medium," "non-transitory computer-readable medium," and "computer-usable medium" are generally used to refer to tangible media, such as removable storage unit 518, removable storage unit 522, and a hard disk installed in hard disk drive 512.

[0065] Various embodiments of the present disclosure are described with reference to this example computer system 500. After reading this description, one skilled in the relevant art will recognize how to implement the present disclosure using other computer systems and / or computer architectures. Although operations may be described as being processed sequentially, some operations may actually be performed in parallel, concurrently, and / or in a distributed environment, and program code may be stored locally or remotely for access by single or multiple processor machines. Furthermore, in some embodiments, the order of operations may be rearranged without departing from the spirit of the disclosed subject matter.

[0066] Processor device 504 can be a dedicated or general purpose processor device specifically configured to perform the functions discussed herein. Processor device 504 can be connected to communication infrastructure 506, such as a bus, message queue, network, multi-core message passing scheme, etc. The network can be any network suitable for performing the functions disclosed herein, and can include a local area network (LAN), a wide area network (WAN), a wireless network (e.g., WiFi), a mobile communication network, a satellite network, the Internet, an optical fiber, a coaxial cable, infrared rays, radio frequency (RF), or any combination thereof. Other suitable network types and configurations will be apparent to those skilled in the art. Computer system 500 can also include a main memory 508 (e.g., random access memory, read-only memory, etc.) and can also include a secondary memory 510. The secondary memory 510 can include a hard disk drive 512 and a removable storage drive 514, such as a floppy disk drive, a tape drive, an optical disk drive, a flash memory, etc.

[0067] The removable storage drive 514 can read from and / or write to a removable storage unit 518 in a well-known manner. The removable storage unit 518 may include a removable storage medium that can be read from and written to by the removable storage drive 514. For example, if the removable storage drive 514 is a floppy disk drive or a universal serial bus port, the removable storage unit 518 may be a floppy disk or a portable flash drive, respectively. In one embodiment, the removable storage unit 518 may be a non-transitory computer-readable recording medium.

[0068] In some embodiments, secondary memory 510 may include alternative components for allowing computer programs or other instructions to be loaded into computer system 500, such as removable storage units 522 and interfaces 520. Examples of such components may include program cartridges and cartridge interfaces (e.g., as found in video game systems), removable memory chips (e.g., EEPROM, PROM, etc.) and associated sockets, and other removable storage units 522 and interfaces 520, as will be apparent to persons skilled in the relevant art(s).

[0069] Data stored in the computer system 500 (e.g., in the main memory 508 and / or the secondary memory 510) can be stored on any type of suitable computer-readable medium, such as an optical storage device (e.g., a compact disc, a digital versatile disc, a Blu-ray disc, etc.) or a tape storage device (e.g., a hard drive). The data can be configured in any type of suitable database configuration, such as a relational database, a structured query language (SQL) database, a distributed database, an object database, etc. Suitable configurations and storage types will be apparent to those skilled in the relevant art.

[0070] The computer system 500 may also include a communication interface 524. The communication interface 524 can be configured to allow software and data to be transferred between the computer system 500 and external devices. Exemplary communication interfaces 524 may include a modem, a network interface (e.g., an Ethernet card), a communication port, a PCMCIA slot and card, etc. The software and data transmitted via the communication interface 524 may be in the form of a signal, which may be electronic, electromagnetic, optical or other signal, as will be apparent to those skilled in the relevant art. The signal may travel via a communication path 526, which may be configured to carry the signal and may be implemented using wires, cables, optical fibers, telephone lines, cellular phone links, radio frequency links, etc.

[0071] The computer system 500 may also include a display interface 502. The display interface 502 may be configured to allow data to be transferred between the computer system 500 and an external display 530. Exemplary display interfaces 502 may include a high-definition multimedia interface (HDMI), a digital video interface (DVI), a video graphics array (VGA), and the like. The display 530 may be any suitable type of display for displaying data transmitted via the display interface 502 of the computer system 500, including cathode ray tube (CRT) displays, liquid crystal displays (LCDs), light emitting diode (LED) displays, capacitive touch displays, thin film transistor (TFT) displays, and the like.

[0072] Computer program media and computer usable media may refer to memories, such as main memory 508 and secondary memory 510, which may be memory semiconductors (e.g., DRAM, etc.). These computer program products may be components for providing software to the computer system 500. Computer programs (e.g., computer control logic) may be stored in the main memory 508 and / or the secondary memory 510. The computer programs may also be received via the communication interface 524. Such computer programs, when executed, may enable the computer system 500 to implement the present methods discussed herein. In particular, the computer programs, when executed, may enable the processor device 504 to implement the methods described herein. Figure 3A 、 Figure 3B and Figure 4 514, interface 520, and hard drive 512 or communications interface 524.

[0073] The processor device 504 may include one or more modules or engines configured to perform the functions of the computer system 500. Each module or engine may be implemented using hardware, and in some cases, software such as software corresponding to program code and / or programs stored in the main memory 508 or the auxiliary memory 510 may also be utilized. In such cases, the program code may be compiled by the processor device 504 (e.g., by a compilation module or engine) before being executed by the hardware of the computer system 500. For example, the program code may be a source code written in a programming language that is converted into a lower-level language (such as assembly language or machine code) for execution by the processor device 504 and / or any additional hardware components of the computer system 500. The compilation process may include the use of lexical analysis, preprocessing, parsing, semantic analysis, syntax-oriented conversion, code generation, code optimization, and any other technology that may be suitable for converting the program code into a lower-level language suitable for controlling the computer system 500 to perform the functions disclosed herein. It will be apparent to those skilled in the relevant art that such processing results in the computer system 500 being a specially configured computer system 500 that is specifically programmed to perform the functions discussed above.

[0074] Among other features, technology consistent with the present disclosure provides systems and methods for registering an identified blockchain wallet using a payment card. While various exemplary embodiments of the disclosed systems and methods have been described above, it should be understood that they have been presented for purposes of illustration only, not limitation. They are not exhaustive and do not limit the disclosure to the precise forms disclosed. Modifications and variations are possible in light of the above teachings or may be acquired from practice of the disclosure without departing from its breadth or scope.

Claims

1. A method for registering an identified blockchain wallet using a payment card, comprising: receiving, by a receiver of the computing device, payment details of a payment card issued for a transaction account, the payment details including at least a card identifier, wherein the payment details are received from one of: an integrated circuit payment card and a financial application; receiving, by a receiver of a computing device, wallet details of a blockchain wallet, the wallet details including at least a wallet identifier; transmitting, by a transmitter of the computing device, at least the card identifier and the wallet identifier to an activation server, wherein the activation server stores an association between the wallet identifier and the transaction account; receiving, by a receiver of the computing device, an activation message from an activation server; as well as Instructions enabling use of a private key of a cryptographic key pair associated with a blockchain wallet are transmitted by a transmitter of the computing device to the integrated circuit payment card or the financial application.

2. The method of claim 1 , wherein the wallet identifier is a public key in a cryptographic key pair associated with the blockchain wallet.

3. The method of claim 1, wherein The activation message includes a digital signature generated by the activation server using the private key of the second cryptographic key pair, and The method further comprises: The digital signature is verified by the processor of the computing device using a public key of the second cryptographic key pair.

4. The method of claim 3, further comprising: After successful verification of the digital signature, a verification message is transmitted by the transmitter of the computing device to the activation server.

5. The method of claim 3, wherein upon successful verification of the digital signature, the instruction is transmitted to an integrated circuit payment card or a financial application.

6. The method of claim 1, wherein the wallet details are generated by an integrated circuit payment card or a financial application.

7. The method of claim 6, further comprising: Receiving, by an input device of the computing device, a request to generate a blockchain wallet from a user of the computing device; as well as As a result of the received request, instructions to generate wallet details are transmitted by the transmitter of the computing device to the integrated circuit payment card or financial application.

8. The method of claim 1, wherein the computing device is one of: a mobile computing device, a smart phone, an automated teller machine, and an integrated circuit payment card.

9. A system for registering an identified blockchain wallet using a payment card, comprising: Activate the server; computing devices; as well as One of the integrated circuit payment cards and financial applications, where Computing equipment includes: Receiver receiving payment details of a payment card issued for a transaction account, the payment details including at least a card identifier, wherein the payment details are received from an integrated circuit payment card or a financial application, and wallet details of the receiving blockchain wallet, the wallet details including at least a wallet identifier, and a transmitter that transmits at least the card identifier and the wallet identifier to an activation server, wherein the activation server stores an association between the wallet identifier and the transaction account, wherein the receiver of the computing device further receives an activation message from the activation server, and The transmitter of the computing device also transmits instructions to the integrated circuit payment card or the financial application to enable use of a private key of a cryptographic key pair associated with the blockchain wallet.

10. The system of claim 9, wherein the wallet identifier is a public key in a cryptographic key pair associated with the blockchain wallet.

11. The system of claim 9, wherein The activation message includes a digital signature generated by the activation server using the private key of the second cryptographic key pair, and The computing device also includes a processor that verifies the digital signature using a public key of the second cryptographic key pair.

12. The system of claim 11, wherein: After successfully verifying the digital signature, the transmitter of the computing device transmits a verification message to the activation server.

13. The system of claim 11, wherein upon successful verification of the digital signature, the instruction is transmitted to an integrated circuit payment card or financial application.

14. The system of claim 9, wherein the wallet details are generated by an integrated circuit payment card or a financial application.

15. The system of claim 14, wherein The computing device also includes an input device that receives a request to generate a blockchain wallet from a user of the computing device, and As a result of the received request, the transmitter of the computing device transmits instructions to generate wallet details to the integrated circuit payment card or financial application.

16. The system of claim 9, wherein the computing device is one of: a mobile computing device, a smart phone, an automated teller machine, and an integrated circuit payment card.

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