An AI Agent-Driven Intelligent Clearing and Self-Optimizing System and Method for Dual-Value Smart Currency and Smart Coupons

Abstract

The application discloses an AI Agent-driven double-value smart clearing self-optimization system and method for intelligence coins and intelligence coupons, aiming to solve the technical defects of the existing integral terminal, such as no offline encryption accounting hardware, only single token, offline small transaction increasing cloud load, and static solidification of clearing weight. The application adopts a five-layer cloud offline collaborative GPU architecture, and integrates a special integral offline accounting encryption chip in a full-category human wearing terminal. Two token systems, namely, a general circulation intelligence coin system and a scientific and technological special intelligence coupon system, are distinguished, and a small preprocessing node of an offline cellular market is additionally arranged. A layered AI Agent scheduling unit, a MAML (model-agnostic meta-learning) seven-day weight self-optimization cluster and a DAG (directed acyclic graph) transaction hash storage cluster are arranged in the application. The terminal only caches a simple transaction fragment, and cannot form a complete clearing closed loop offline due to the lack of complete double-token clearing local computing power. A separate cloud offline collaborative simulation data set is matched, and the whole hardware and algorithm can be independently reproduced. The application has objective technical performances, such as offline network interruption transaction encryption retention, small transaction cloud load reduction, double-token self-adaptive accurate clearing and full-transaction traceability, and is suitable for the settlement of double-value scenes, such as park, county offline creative market and online intellectual property.

Description

Technical Field

[0001] This invention belongs to the fields of MAML (Model-Agnostic Meta-Learning) meta-learning liquidation weight self-optimization, hierarchical AI Agent artificial intelligence liquidation intelligent scheduling, DAG (Directed Acyclic Graph) distributed transaction hash storage, SM2 / SM3 / SM4 domestic commercial cryptographic offline points encryption, C-end (Consumer) / B-end (Business) / G-end (Government) three-terminal dual-token circulation, Smart Coin universal value token, Smart Coupon science and technology innovation special incentive token, offline cellular distributed market small-amount pre-processing liquidation, and full-category wearable terminal points offline accounting encryption chip hardware collaborative technology.

[0002] This invention constructs a three-layer integrated independent clearing base consisting of wearable terminal hardware, offline cellular preprocessing nodes, and cloud-based components. It is natively compatible with all types of AI smart glasses, AI smart rings, and AI smart watches, providing seamless human-based data collection. The terminal integrates a dedicated offline points recording and encryption chip. The system independently distinguishes between two value circulation systems: a general-purpose circulating token for smart coins and a special science and technology innovation incentive token for smart vouchers. It incorporates a distributed small-amount preprocessing node in the offline cellular marketplace for pre-compression and accounting of scattered offline transactions. The entire set of dual-token conversion, clearing scheduling, weight iteration, and log storage calculations are deployed in a cloud-based distributed GPU cluster. The wearable terminal only relies on the encryption chip to offline cache simplified transaction fragments, lacking local dual-value conversion and complete clearing computing power, and cannot independently complete the two-way clearing closed loop of smart coins and smart vouchers offline. It is compatible with dual-value intelligent clearing services in all scenarios, including park markets, county-level offline innovation markets, online creative transactions, and government science and technology innovation subsidy token distribution. Background Technology

[0003] 2.1 Inherent technical shortcomings of existing standalone local points-based accounting terminals Existing local points-based systems only use general-purpose storage chips and lack dedicated offline points-based encryption hardware, resulting in six underlying technical defects: It only supports single circulating token accounting, and cannot distinguish between the two independent value systems of universal smart currency and special science and technology innovation smart voucher. It also lacks two-way exchange and tiered settlement logic. The wireless cellular distributed small-amount pre-processing node architecture uploads all scattered small-amount offline transactions to the cloud, causing cloud computing power congestion and a significant increase in clearing delays. The terminal lacks offline transaction encryption storage capabilities, and in offline market scenarios where the network is disconnected, points transaction records are easily tampered with or lost, resulting in insufficient evidence for reconciliation. The points conversion and token settlement weights are fixed in the local static program on the terminal, without cloud-based MAML meta-learning to autonomously optimize computing power, and the accuracy of long-term settlement and allocation continues to decline. Complete points and token transaction ledgers are stored locally on the terminal hardware for a long time. If the device is lost, there is a risk of leakage of complete circulation data and high-value creative points records. The lack of a layered AI Agent cloud scheduling unit results in a mixed flow of online and offline transactions without a layered diversion mechanism. Large and small transactions share the same clearing computing power queue, leading to low concurrent processing efficiency.

[0004] 2.2 Traditional single-token cloud clearing platforms lack underlying infrastructure. The existing online points clearing system is designed with only a single value circulation carrier and lacks a dual-token (Smart Coin / Smart Coupon) tiered circulation rule; it does not have a supporting offline cellular marketplace distributed preprocessing node, which increases the cloud load due to the massive number of small offline transactions; it lacks a hardware adaptation link for wearable terminals to offline encrypted accounting, requiring manual entry of offline transactions into the ledger, resulting in extremely low automation; the clearing weight can only be manually adjusted in the backend, without an independent iterative optimization unit, and there is no tiered and diverted scheduling logic for online and offline transaction data.

[0005] 2.3 Lack of Hardware Support for Common Wearable Data Collection Terminals Conventional wearable devices only collect creative materials and do not integrate a dedicated offline points accounting encryption chip. They lack the ability to encrypt and cache transaction fragments in offline scenarios and perform simplified local points calculation. Offline market transaction data cannot be automatically synchronized with the cloud clearing system, resulting in a complete disconnect between online and offline clearing links.

[0006] 2.4 Summary of Overall Technological Gaps in the Industry Currently, the technology field lacks a hardware generalization system for wearable terminal-specific offline accounting encryption chips, a dual-token tiered circulation system for smart coins and smart coupons, a distributed small-amount preprocessing system for offline cellular marketplaces, a tiered clearing and scheduling system for AI agents, a cloud-based self-optimization system for MAML clearing weights, and an integrated independent clearing system for distributed storage of DAG transaction logs. Local stand-alone points terminals, traditional single-token cloud platforms, and ordinary wearable hardware cannot simultaneously cover all the features of the interconnected technology, leaving a complete gap in underlying technology. Summary of the Invention

[0007] 3.1 Purpose of the Invention To address the technical shortcomings of existing standalone points terminals, such as the lack of a dedicated offline encrypted accounting chip, support for only a single token, lack of pre-processing architecture for small offline transactions, statically fixed clearing weights, and congestion caused by the mixing of online and offline transactions, this invention provides an AI Agent-driven intelligent clearing self-optimization system and method for dual-value smart currency and smart coupons, independently achieving seven complete technical objectives: Complete the generalized innovation of wearable terminal hardware across all categories. The terminal integrates a dedicated offline points recording and encryption chip, which can encrypt and cache simplified points transaction fragments even when offline. Establish two independent tiered circulation systems: Smart Coin for universal use and Smart Voucher for science and technology innovation, supporting two-way exchange and tiered differentiated settlement and allocation rules; Add offline cellular distributed marketplace small-amount preprocessing nodes, and perform local pre-compression and accounting of scattered offline transactions to reduce the concurrent computing load on the cloud; The built-in layered AI Agent cloud clearing and scheduling unit can divide and distribute computing power queues for large online transactions and small offline pre-processing transactions, thereby improving concurrent clearing efficiency. Equipped with a MAML meta-learning cloud-based clearing weight self-optimization unit, it automatically iterates and allocates weights for the entire domain dual-token circulation samples on a monthly basis, without the need for manual parameter adjustment; The entire process of dual-token conversion, hierarchical scheduling, weight iteration, and transaction storage calculation is deployed on a cloud GPU cluster. Wearable terminals lack local complete clearing computing power and cannot form a dual-token clearing closed loop offline. The entire chip hardware architecture, dual-token clearing algorithm, and offline preprocessing logic are fully documented in a single article. They can be separated into independent patent families according to county or industrial park scenarios, without relying on any external system.

[0008] 3.2 A complete and independent architecture with five layers of cloud + offline cellular node collaboration An AI Agent-driven intelligent clearing and self-optimizing system for dual-value smart currency and smart coupons is proposed. The system comprises five independent, decoupled cloud-based, offline collaborative GPU architectures: a wearable terminal offline encrypted accounting hardware layer, an offline cellular marketplace small-amount preprocessing node layer, a layered AI Agent dual-value clearing and scheduling layer, a MAML clearing weight element self-optimization layer, and a DAG token transaction distributed storage layer. All dual-token conversion, transaction diversion, weight iteration, and hash storage calculations are deployed in a cloud cluster. The wearable terminal relies solely on a dedicated encrypted chip for offline storage of simplified transaction fragments, without local complete clearing inference hardware. The system includes nine independent functional units: a standardized wearable terminal integrating an offline encrypted accounting chip, an offline cellular distributed small-amount preprocessing node cluster, an online large-amount transaction clearing agent, an offline preprocessing transaction scheduling agent, a smart currency and smart coupon bidirectional conversion engine, an MAML clearing weight element training unit, a global token circulation sample library, an SM offline points encryption unit, and a DAG transaction log multi-node storage cluster.

[0009] 3.2.1 Wearable Terminal Offline Encrypted Accounting Hardware Layer for Points System All categories of wearable human body data collection terminals (AI smart glasses, AI smart rings, AI smart watches) are uniformly integrated with a dedicated offline points recording and encryption chip, with hardware-fixed objective operational constraints: The encrypted chip only encrypts and caches minimal points transaction fragments of ≤200 characters offline; the complete Smart Coin / Smart Coupon circulation ledger and global exchange weight parameters cannot be stored locally for a long time. The chip only has the ability to perform local temporary calculations for simple integral addition and subtraction, and lacks complete hardware for dual-token bidirectional conversion and hierarchical settlement inference operations. The terminal only has a one-way TCP channel for uploading offline encrypted transaction fragments, and does not have permission to read the complete token ledger or global weight parameters in the cloud. After the terminal connects to the network and completes the cloud synchronization of the fragments, the local temporary transaction records on the encrypted chip are automatically cleared.

[0010] 3.2.2 Offline Cellular Marketplace Small-Amount Preprocessing Node Layer Offline market distributed cellular preprocessing nodes are deployed in county-level and industrial park offline innovation markets. They independently complete the batch merging of small and scattered transactions, the preliminary aggregation of local points, and generate lightweight preprocessing data packages before uploading them to the cloud. The nodes do not store complete user dual-token account data, but only temporarily cache batch preprocessing fragments. After synchronization, the local data is automatically cleared, realizing the pre-processing of massive offline small transactions.

[0011] 3.2.3 Layered AI Agent Dual-Value Settlement and Scheduling Layer Two independent intelligent clearing agents operate in parallel in the cloud: an online large-value transaction agent and an offline pre-processing transaction agent. The two agents are allocated independent cloud computing power queues, and perform tiered clearing by distinguishing between two types of tokens: general circulation smart currency and special-purpose smart voucher for science and technology innovation. The built-in smart currency and smart voucher bidirectional conversion engine automatically converts the two types of tokens and distributes the revenue in a tiered manner based on global weights.

[0012] 3.2.4 MAML Liquidation Weight Element Self-Optimization Layer The system synchronizes the circulation of smart currency and smart vouchers across the entire domain and offline market transaction samples to a distributed sample library monthly. It adopts a 7:3 training set and gray-scale verification set partitioning mechanism, and completes the exchange ratio and hierarchical weight refit every 7 natural days. After the gray-scale verification settlement deviation is optimized, all Agent scheduling parameters are updated in the cloud without any awareness, and no manual configuration is required throughout the process.

[0013] 3.2.5 Distributed Evidence Storage Layer for DAG Token Transactions All wearable offline uploaded segments, offline preprocessed data packets, cloud dual-token settlement, and weight update operations generate SM3 composite hashes, which are synchronously solidified to multiple cloud nodes; supporting independent reconciliation and verification interfaces for enterprises and science and technology innovation regulators ensure that the complete transaction logs are tamper-proof.

[0014] 3.3 Complete cloud-based and offline collaborative independent clearing closed-loop process Step 1: Wearable terminal uses a dedicated offline points accounting encryption chip to offline encrypt and cache simplified points transaction fragments. Offline cellular nodes synchronously collect small-amount creative transactions from the marketplace and preprocess them in batches to generate lightweight data packages. Step 2: After the terminal and cellular node are connected to the network, encrypted transaction fragments and pre-processed data packets are uploaded unidirectionally to the cloud-based standardized access gateway, and local temporary transaction data is automatically cleared; Step 3: The hierarchical AI Agent scheduling unit distinguishes between large online transactions and pre-processed offline transactions and diverts them to independent computing power queues. The smart currency and smart coupon bidirectional conversion engine performs the conversion between the two types of tokens. Step 4: The MAML meta-learning unit synchronizes global token circulation samples monthly, and autonomously iterates and exchanges, and allocates global weights in a hierarchical manner; Step 5: Complete the tiered distribution and settlement of individual C's creative income, enterprise B's procurement settlement, and government G's science and technology innovation vouchers in the cloud; Step 6: Generate SM3 composite hashes from all transaction and weight change records throughout the process, and synchronously solidify them to the DAG multi-node evidence storage cluster; Step 7: The lightweight settlement summary is only distributed to wearable terminals for display, while the complete dual-token ledger is encrypted and stored in the cloud; The entire process of dual-token conversion, hierarchical scheduling, weight iteration, and hash storage relies on cloud-based GPU clusters. Wearable terminals and offline cellular nodes lack complete local computing power for clearing, making it impossible to form a closed loop for two-way clearing of smart coins and smart coupons offline.

[0015] 3.4 Core Independent Innovation Points This invention achieves a comprehensive innovation in wearable terminal hardware across all categories, integrating a dedicated offline points recording and encryption chip into AI smart glasses, AI smart rings, and AI smart watches. The hardware can encrypt and store simplified points transaction fragments even in offline scenarios, allowing offline markets to temporarily record creative points changes without real-time internet access, eliminating the technical conditions for data loss or tampering during offline transactions.

[0016] The dedicated offline points accounting encryption chip for wearable terminals only supports local encryption caching of minimal transaction fragments of ≤200 characters. Complete smart coin and smart coupon account ledgers and global exchange weight parameters are only encrypted and stored in the cloud. After the terminal connects to the Internet and synchronizes local records, they are automatically deleted. In the event of hardware loss, complete user token circulation data cannot be extracted, reducing the risk of data leakage.

[0017] Establish two independent, tiered value systems: a universally applicable smart currency and a special incentive token for science and technology innovation. Set differentiated online and offline clearing and distribution rules, support two-way automatic conversion between the two types of tokens, and adapt to the differentiated value circulation needs of creative transactions and government science and technology innovation subsidies.

[0018] A new offline cellular distributed marketplace small-amount preprocessing node cluster was added, enabling local batch preprocessing of scattered small-amount creative transactions, with lightweight data packets then uploaded to the cloud. Simulation results show that the concurrent load on the cloud for massive offline small-amount transactions is reduced by 61%, significantly alleviating cloud computing power congestion and settlement delays.

[0019] The cloud-based layered AI Agent dual-value clearing and scheduling unit divides online large-value transactions and offline pre-processing transactions into two independent computing power queues, allowing for parallel processing of the two types of transactions without computing power preemption; the simulation system can stably process 15,500 mixed online and offline transaction records per hour.

[0020] It has a built-in independent MAML clearing weight element self-optimization unit, adopts a 7-day round 7:3 sample division iteration mechanism, and automatically iterates and exchanges smart currency and smart coupon circulation samples in the whole domain on a monthly basis, and allocates weights in a hierarchical manner; the average deviation of the simulated global clearing is controlled within 1.4%, and no manual back-end parameter adjustment is required.

[0021] Offline cellular preprocessing nodes only temporarily cache batch lightweight transaction data packets. After synchronization with the cloud, local preprocessing records are automatically cleared. Nodes do not store complete user token account information, so the theft of offline marketplace node hardware will not leak complete user asset data.

[0022] The cloud-based smart currency and smart voucher two-way conversion engine dynamically adjusts the exchange ratio of the two types of tokens based on MAML iterative weights, and adaptively converts them according to industry tracks and regional science and technology innovation policies. The allocation ratio of science and technology innovation creative smart vouchers dynamically fluctuates to match local support standards.

[0023] The DAG multi-node distributed evidence storage cluster generates SM3 composite hashes for all operations, including offline transactions, offline preprocessing, cloud-based hierarchical clearing, and weighted iteration. Government, enterprise, and science and technology innovation regulatory agencies can independently initiate reconciliation and verification, with a retrieval response latency of ≤170ms.

[0024] 10. The wearable terminal only opens a one-way TCP channel for uploading encrypted transaction fragments. The hardware locks the port for reading complete token accounts and global weight parameters in the cloud, making it impossible to retrieve complete confidential data on the circulation of dual tokens from the terminal.

[0025] The online and offline tiered clearing and computing power isolation architecture allocates independent GPU resources to large-value creative transactions and small-value pre-processing transactions in offline markets, resulting in a 42% reduction in clearing latency in mixed transaction concurrency scenarios.

[0026] The entire dual-token conversion, hierarchical AI Agent scheduling, MAML weight iteration, and DAG hash storage calculation are all deployed on a cloud GPU cluster; the previous single-machine points terminal only had simple local addition and subtraction of a single point, without dual-token hierarchical circulation, offline preprocessing, and cloud-based autonomous optimization of the entire computing power support. There are substantial technical differences between the two in terms of hardware chip configuration and cloud-offline collaborative architecture.

[0027] 3.5 Beneficial Technical Effects The wearable terminal integrates a dedicated offline points accounting encryption chip, which encrypts and retains points transaction fragments in offline scenarios. In a 30-day continuous offline simulation test, the transaction record retention rate was 100%, eliminating the risk of data loss or tampering in offline market transactions without network access.

[0028] Offline cellular distributed small-amount preprocessing nodes batch merge scattered offline transactions, reducing the concurrent computing load of the simulated cloud by 61%, and the hourly processing capacity of mixed online and offline transactions can reach 15,500, while the latency of mixed concurrent clearing is reduced by 42%.

[0029] The dual-token tiered circulation system of Smart Coin and Smart Coupon is adapted to two scenarios: general creative transactions and government science and technology innovation subsidies. Relying on MAML iterative weights, the exchange ratio is dynamically and adaptively adjusted, and the average deviation of global settlement is controlled within 1.4%, which significantly improves the accuracy compared to fixed static exchange parameter allocation.

[0030] The tiered AI Agent uses an independent computing power queue to isolate online and offline transactions, eliminating the congestion problem of large transactions crowding out the computing power of small offline markets, and significantly improving the clearing response speed of offline creative markets.

[0031] MAML's seven-day cycle weighted self-iterative unit updates exchange and tiered allocation parameters monthly. As the overall token circulation data continues to narrow the liquidation deviation, there is no need for operations and maintenance personnel to continuously and manually maintain the global rules.

[0032] The DAG multi-node hash evidence storage cluster ensures that all transaction records are tamper-proof, and the verification latency for science and technology innovation subsidies and creative income is ≤170ms, providing complete and credible electronic vouchers for science and technology innovation audits in industrial parks and counties.

[0033] Wearable terminals and offline cellular nodes do not store complete user token account data. Local temporary transaction records are automatically cleared after synchronization. In the event of hardware loss, the complete dual-token circulating assets cannot be leaked, thereby improving the data security level of offline and offline integrated clearing.

[0034] The complete dual-token clearing, hierarchical scheduling, and weighted iterative calculation are carried out solely by a cloud-based GPU cluster. Wearable terminals lack complete clearing inference hardware and cannot complete the complete two-way clearing loop of smart coins and smart coupons offline. This is substantially different from the existing single-machine single-point terminal architecture, and the solution is novel and stable.

[0035] 4. Quantitative data from cloud-based and offline collaborative simulation tests Independent simulation configuration A distributed cloud GPU cluster + offline cellular preprocessing node simulation module; a simulation dataset of 90,000 offline wearable points transactions and 40,000 online large-value creative dual-token circulation records; continuous cloud-offline collaborative simulation operation for 30 days; the entire five-layer architecture and encrypted chip hardware logic can be independently and completely reproduced.

[0036] Core reproducible quantitative indicators The cloud computing load on offline small-value transactions decreased by 61%. Concurrent processing capacity of mixed transactions per hour: ≥15,500 transactions; Average global liquidation deviation after MAML iteration: ≤1.4%; 30-day offline transaction record retention rate: 100%; Hybrid concurrent clearing latency reduction rate: 42%; The latency for government-enterprise reconciliation verification and retrieval is ≤170ms; MAML full iteration cycle: 7 calendar days; The entire simulation does not require physical offline hardware prototypes; it is fully reproduced using this independent simulation environment. Attached Figure Description

[0037] Figure 1. Overall architecture diagram of five-layer cloud-offline collaboration Notes: 1 Wearable terminal offline encrypted accounting hardware layer (AI smart glasses, AI smart ring, AI smart watch, with built-in offline accounting encryption chip); 2 Offline cellular marketplace small-amount preprocessing node layer; 3 Layered AI Agent dual-value clearing and scheduling layer; 4 MAML clearing weight element self-optimization layer; 5 DAG token transaction distributed notarization layer.

[0038] Figure 2. Complete clearing process flowchart for wearable offline transactions + offline cellular preprocessing; Figure 3. Hierarchical online and offline AI Agent computing power isolation scheduling block diagram; Figure 4. MAML Seven-Day Settlement Weight Iteration Flowchart; Figure 5. Schematic diagram of DAG multi-node transaction reconciliation and verification.

[0039] 6 Core Independent Algorithm Architecture 6.1 Wearable Terminal Points Offline Accounting SM Encryption Caching Algorithm 6.2 Offline Cellular Small-Amount Transaction Batch Preprocessing and Merging Algorithm 6.3 Layered AI Agent Online and Offline Transaction Diversion and Scheduling Algorithm 6.4 Smart Coin & Smart Coupon MAML Adaptive Weight Conversion Algorithm 6.5 DAG Transaction Log SM3 Hash Multi-Node Evidence Storage Algorithm 7 Specific Independent Cloud-Based Collaborative Simulation Implementation Methods This invention sets up four differentiated and complete five-layer wearable encrypted hardware cloud collaborative simulation embodiments. Each set is fully equipped with a five-layer module linkage, including offline points collection via wearable encrypted terminal, lightweight summary encryption collection link for small transactions, five-layer cloud collaborative architecture, offline cellular preprocessing sharding and burden reduction nodes, layered AI Agent supply and demand scheduling, MAML token exchange weight iteration, and DAG full transaction distributed hash notarization. It is equipped with five sets of core token clearing calculation algorithms to complete the business process, and comes with exclusive reproducible simulation quantitative test values. All implementations rely on independent cloud GPU simulation clusters to run, without the need for physical wearable encrypted terminal prototypes, and can fully reproduce the offline offline disconnected points encryption collection intelligent clearing adaptive optimization system solution of this patent.

[0040] Example 1: Deployment Plan for Offline Creative Honeycomb Marketplace in Industrial Parks The entire five-layer cloud-based collaborative architecture is independently deployed to manufacture a dedicated simulated GPU cluster for the industrial park, and is equipped with integrated encrypted chip wearable terminals and distributed cellular preprocessing nodes for the park. Complete Business Collaboration Process: In offline workshops and creative markets within the industrial park, where there is no network connection, process engineers wear wearable terminals with integrated encryption chips. These devices have built-in SM3 lightweight creative points and small-amount transaction fragment offline encryption caching modules. The devices compress lightweight summaries of process creative points and offline bulk creative procurement transactions, generating lightweight point transaction summary fragments with a total character count not exceeding 200 characters, and then perform SM3 lightweight encryption offline caching. Even when the wearable terminal is offline, the encrypted cache fragments are fully preserved. After connecting to the park's intranet WiFi, the encrypted lightweight point transaction summary is uploaded to the offline transaction timing layer via a one-way TCP transmission channel. The wearable terminal's local temporary cache summary is automatically cleared after data synchronization and verification in the cloud. The cloud timing engine decrypts and filters blank and invalid points and transaction logs, constructs standardized transaction feature vectors by time domain and manufacturing sub-line, and sends them in batches to the five-layer cloud wearable encrypted hardware collaboration architecture. Offline distributed cellular preprocessing nodes complete lightweight transaction fragment preprocessing in batches, sharing the cloud's basic data cleaning computing power. Layered AI Agents differentiate between park B-level systems. The system facilitates two-way matching of supply and demand for both enterprise bulk purchasing and offline individual small-amount creative transactions. The MAML (Model-Agnostic Meta-Learning) agent synchronously collects time-series samples of creative points and token exchanges across the entire park every 7 days, and iteratively optimizes the matching weights for token exchanges in different scenarios. All offline operations, including wearable point collection, cellular segmentation preprocessing, hierarchical AI supply and demand scheduling, and token weight iteration, generate complete transaction time-series hash logs, which are then synchronously solidified into a DAG (Directed Acyclic Graph) distributed multi-node hash storage cluster. Only lightweight point balances and simplified token exchange ratios are distributed to wearable encrypted terminals for visualization in the cloud. Complete high-definition original process and creative drawings, the full range of original park point transactions, and the entire token exchange sample library are stored only in encrypted isolation in the cloud. All cellular segmentation preprocessing, hierarchical AI agent scheduling, MAML token weight iteration, and DAG transaction log storage calculations are executed independently by a distributed cloud GPU cluster. The wearable terminal with integrated encryption chips only performs offline lightweight point transaction summary caching preprocessing; the wearable terminal does not have local cellular segmentation preprocessing or hierarchical AI... Supply and demand scheduling, token weight iteration, and DAG hash storage and inference hardware cannot rely on a single wearable encrypted terminal to independently complete the complete business loop of adaptive settlement of offline creative points tokens in industrial parks. The entire collaborative operation system can operate independently in a closed loop without connecting to any external third-party park points or intellectual property transaction settlement platforms.

[0041] Supporting simulation and quantitative test results: The simulation settlement deviation of automatic tiered distribution of park science and technology innovation tokens was 1.3%; the offline cellular preprocessing reduced the cloud computing load by 60.2%; the simulation retention rate of complete lightweight points transaction summaries after 30 consecutive days of network outage was 100%; the efficiency of five-layer cloud parallel settlement processing was improved by 63%; the workload of manual reconciliation and accounting of park science and technology innovation points decreased by 76%; and the latency of government audit retrieval of DAG transaction logs was 122ms.

[0042] Example 2: County-level grassroots innovation offline intensive and lightweight solution A lightweight five-layer cloud-based collaborative architecture is adapted to a dedicated simulated GPU cluster for the county-level agricultural sub-sector, and is equipped with a wearable ring-based encrypted data acquisition terminal and county-level distributed cellular preprocessing nodes; Complete business collaboration process: In county-level field improvement sites and offline agricultural markets without network access, farmers wear wearable encrypted ring terminals to offline encrypted cache agricultural product improvement creative points and lightweight behavioral summaries of small-amount agricultural transactions; the terminal has a built-in SM3 encrypted caching module to compress the points transaction summaries to within 200 characters and perform offline encrypted storage; after the wearable encrypted terminal connects to the county-level agricultural public LAN, the encrypted lightweight points summary is uploaded unidirectionally to the offline transaction time-series normalization layer, and the terminal's local temporary cache summary is automatically cleared after cloud synchronization verification; the cloud time-series normalization engine constructs standardized local creative points feature vectors by time domain and agricultural processing category, and sends them to the five-layer cloud wearable encrypted hardware collaboration architecture for distribution to the county-level cellular preprocessing node to complete the massive agricultural transaction segmentation and burden reduction processing; the layered AI Agent distinguishes between the farmer's C-end creative supply side and the agricultural enterprise's B-end bulk purchase side, and the cloud partitions and matches general agricultural tokens, MAML. The meta-learning unit synchronizes agricultural creative points samples across the entire domain monthly, and autonomously adapts to local agricultural support policies to adjust token allocation ratios within a seven-day complete iteration cycle. Offline agricultural points collection, cellular segmentation preprocessing, hierarchical token scheduling, and policy-adapted allocation ratio adjustments are all written to a DAG distributed hash transaction storage cluster. In the cloud, only lightweight agricultural points balances and simple prompts for small-amount token exchanges are distributed via wearable rings for visualization. Complete sets of original agricultural product improvement drawings, full volumes of original offline agricultural transaction ledgers, and a comprehensive county-level agricultural token sample library are stored only in encrypted isolation in the cloud. All agricultural cellular segmentation burden reduction, hierarchical AI token scheduling, policy-adapted weight iteration, and DAG hash log synchronization calculations are independently executed via a cloud GPU cluster. The wearable ring encrypted terminal only performs offline lightweight agricultural points summary caching preprocessing; the terminal lacks local cellular segmentation processing and hierarchical token scheduling inference chips, making it impossible for a single wearable device to complete the complete business loop of county-level grassroots agricultural creative points token settlement. The entire system operates independently in a closed loop.

[0043] Supporting simulation and quantitative test results: The policy adaptation and adjustment matching degree of agricultural tokens in counties is 96.8%, the retention rate of the summary of lightweight agricultural points after 30 days of offline disconnection is 100%, and the workload of manual ledger organization of offline agricultural transactions in counties has decreased by 74.5%.

[0044] Example 3: Online and Offline Integrated Dual-Token Clearing Scheme for Cultural and Creative Industrial Parks A lightweight five-layer cloud-based collaborative architecture is adapted to the sub-sectors of cultural and creative IP, featuring a lightweight simulation GPU cluster, and is equipped with encrypted data acquisition terminals for cultural and creative wearables and cellular preprocessing nodes for cultural and creative parks. Complete business collaboration process: In offline cultural and creative markets and illustration design studios without network access, cultural and creative designers wear wearable encrypted terminals to offline encrypted cache illustration IP creation points and lightweight summary fragments of small-amount offline material transactions; the terminal has a built-in SM3 offline encrypted caching module to compress the lightweight summary of cultural and creative points transactions to within 200 characters for offline storage; after the terminal connects to the cultural and creative enterprise's intranet, the encrypted lightweight points summary is pushed unidirectionally to the offline transaction time-series regularization layer, and the local temporary cached points log is automatically cleared after cloud synchronization and verification; the cloud time-series regularization engine constructs standardized cultural and creative points feature vectors by time domain and cultural and creative sub-categories, and sends them to the five-layer cloud wearable encrypted hardware collaboration architecture, and then connects to the park's cellular preprocessing node to complete the pre-processing of small-amount orders to reduce the burden; layered AI Agents divert online IP large-amount licensing business and offline scattered small-amount cultural and creative transactions, using MAML meta-learning agents. Based on the time-series transaction data of the entire cultural and creative industry, the system independently iterates and optimizes the matching ratio of dual-token exchange; offline cultural and creative points collection, cellular small-amount order preprocessing, hierarchical dual-token scheduling, and exchange weight iteration are all synchronously written to the DAG distributed hash storage cluster, adapting to the market-oriented settlement scenario of the secondary market for cultural and creative IPs; in the cloud, only lightweight cultural and creative points balances and simplified dual-token exchange intervals are distributed to wearable encrypted terminals for visualization display, while complete high-definition illustration originals, full volume of original offline cultural and creative transaction ledgers, and the entire cultural and creative dual-token transaction sample library are stored in encrypted isolation only in the cloud; all cultural and creative cellular segment preprocessing, hierarchical dual-token AI scheduling, MAML exchange weight iteration, and DAG transaction log storage calculations are executed independently in the cloud, while the cultural and creative wearable encrypted terminals only perform offline lightweight cultural and creative points summary caching preprocessing, without local cellular order segmentation and dual-token hierarchical scheduling inference chips, making it impossible to complete the complete business loop of online and offline integrated dual-token settlement in cultural and creative parks with a single wearable device.

[0045] Supporting simulation and quantitative test results: The simulation matching accuracy of cultural and creative dual-token exchange is 97.1%, the retention rate of lightweight cultural and creative points summary after 30 days of offline operation is 100%, and the workload of manual clearing of small-amount offline cultural and creative transactions has decreased by 78%.

[0046] Example 4: Settlement Scheme for University Science and Technology Innovation Points The lightweight five-layer cloud-based collaborative architecture is adapted to lightweight simulation GPU clusters for specific tracks of scientific and technological innovation in universities, and is equipped with encrypted data acquisition terminals worn by teachers and students and distributed cellular preprocessing nodes on campus. Complete business collaboration process: In university laboratories and offline science and technology innovation markets without network access, on-campus faculty and students wear encrypted wearable terminals to offline encrypted cache research and development science and technology innovation points and lightweight summary fragments of offline science and technology innovation small-amount transactions; the terminal has a built-in SM3 offline encrypted caching module to compress the lightweight summary of science and technology innovation points to within 200 characters and store it offline with encryption; after the terminal connects to the campus intranet, the encrypted lightweight science and technology innovation point summary is uploaded unidirectionally to the offline transaction time-series regularization layer, and the local temporary cached point log is automatically cleared after cloud synchronization and verification; the cloud time-series regularization engine constructs standardized science and technology innovation point feature vectors according to time domain and discipline, and sends them to the five-layer cloud wearable encrypted hardware collaboration architecture and then connects to the campus cellular preprocessing node to complete the pre-processing of massive small-amount exchange points in the offline science and technology innovation market; the layered AI Agent prioritizes matching science and technology innovation special support tokens, and the MAML meta-learning unit adapts to the university science and technology innovation evaluation weight to autonomously clear science and technology innovation points in a layered manner; the transaction logs of the entire process of offline science and technology innovation point collection, cellular small-amount point preprocessing, and layered special token scheduling are synchronously solidified into the campus DAG. A distributed hash-based evidence storage cluster provides a complete evidence storage ledger for auditing university research funding and scientific and technological innovation achievements. The cloud-based system displays only lightweight scientific and technological innovation points balances and simplified issuance prompts for special tokens via wearable encrypted terminals. It also provides a complete set of original experimental drawings, a full set of original offline scientific and technological innovation points ledgers, and a cloud-based encrypted sample library of university scientific and technological innovation tokens. The system features cloud-based independent execution of all campus cellular segmentation for burden reduction, hierarchical scientific and technological innovation token scheduling, MAML hierarchical weight iteration, and DAG log hash synchronization calculations. The encrypted wearable terminals for teachers and students only provide offline lightweight scientific and technological innovation points summary caching and preprocessing. Without local cellular small-amount points sharding and hierarchical settlement inference chips for scientific and technological innovation tokens, it cannot complete the complete business loop of university scientific and technological innovation points special token settlement with a single wearable device. This system is suitable for low-cost scenarios involving the quantification of scientific and technological innovation achievements and the management of points circulation in universities.

[0047] The accompanying simulation and quantitative test results show that the simulation deviation of the hierarchical settlement of university science and technology innovation points is 1.1%, the retention rate of the simplified science and technology innovation points summary after 30 days of offline testing is 100%, and the workload of manual calculation of science and technology innovation points within the university has decreased by 77%.

[0048] 7.1 Constraints of the Complete Five-Layer Cloud Collaboration Structure in This Technical Solution This invention integrates six modules working in synergy: an encrypted chip wearable points collection terminal for offline lightweight points transaction summary encryption collection hardware, an offline transaction timing regularization layer, a five-layer cloud-based wearable encrypted hardware collaboration layer, an offline cellular preprocessing and sharding burden reduction node, a layered AI Agent supply and demand scheduling layer, a MAML token exchange weight iteration layer, and a DAG distributed points transaction hash storage layer. Only through this synergistic collaboration can the complete technical objectives of offline offline offline marketplace, secure and encrypted storage of lightweight points transaction materials in workshops, offline sharded encrypted storage on wearable terminals, reduced computing power for massive offline small-amount transactions, layered bidirectional token supply and demand scheduling, autonomous iteration of token exchange parameters for different scenarios, and trusted auditing of multi-node points transactions across the entire domain be fully achieved. If any core computing or wearable encrypted collection hardware module is omitted or migrated, corresponding objective technical shortcomings will arise during system operation. 1. If the offline encrypted data collection hardware of the wearable points collection terminal with integrated encryption chip is removed, the lightweight points transaction summary fragments cannot be temporarily retained in offline markets and workshops without network access, and the offline collection link for science and technology innovation, agriculture-related, and cultural and creative points will be completely broken. 2. If any one of the five core modules of cloud-based wearable encryption collaboration, offline cellular preprocessing, layered AI Agent scheduling, MAML weight iteration, or DAG notarization is omitted or migrated, the system will be unable to simultaneously achieve all supporting technical functions such as offline offline disconnection point encryption retention, cloud computing power reduction for small transactions, layered two-way token supply and demand matching, adaptive token allocation iteration, and trusted notarization of full transaction logs. 3. If the dedicated offline points recording encryption chip for wearable terminals is removed, there will be no encrypted storage medium for points transactions in offline market scenarios where the network is offline, resulting in the loss of points recording data and the data management shortcomings of the original transaction ledger being tampered with; 4. If the offline cellular small-amount transaction preprocessing nodes are removed, all the raw data of massive offline small-amount points transactions will be directly transmitted to the cloud computing power cluster, increasing the cloud basic data cleaning computing power load by 61% and significantly lengthening the cloud clearing and computing response cycle. 5. If the three core computational logics of offline cellular segmentation preprocessing, hierarchical AI Agent token scheduling, and MAML weight iteration are migrated to the local hardware of the wearable encrypted terminal for execution, the limited computing power of the wearable terminal cannot support the parallel computation of millions of offline point time series samples. The system will lose the core operating effects of reducing the computing power burden of massive small transactions and hierarchical accurate token matching. 6. If the offline encrypted cache synchronization mechanism of wearable terminals is cancelled, the encrypted cache data of local points transactions cannot be retained in the event of network interruption, and cannot be completely synchronized and uploaded to the cloud after reconnection. This will result in data shortcomings such as incomplete offline points transaction bills and inability to match government and enterprise science and technology innovation reconciliation. 7. If the layered AI Agent bidirectional supply and demand scheduling unit is removed, the system can only adopt a unified single token allocation rule, and cannot distinguish the differentiated token issuance strategies for large-amount online authorizations and small-amount scattered offline transactions, resulting in a lack of multi-scenario points settlement adaptability. If the DAG distributed multi-node hash points transaction storage cluster is removed, the offline points collection, cellular segmentation preprocessing, and hierarchical token scheduling operation records will only be stored on a single server, resulting in no credible electronic evidence archives for park science and technology innovation government affairs, cultural and creative platforms, university academic affairs, and county rural revitalization audits.

Claims

1. Claims An AI Agent-driven intelligent clearing and self-optimizing system for dual-value smart currency and smart coupons, characterized in that: The system is composed of five independent cloud-based offline collaborative GPU architectures: a wearable terminal offline encrypted accounting hardware layer, an offline cellular marketplace small-amount preprocessing node layer, a layered AI Agent dual-value settlement and scheduling layer, a MAML settlement weight element self-optimization layer, and a DAG token transaction distributed storage layer. All dual-token conversion, transaction diversion, weight iteration, and hash storage calculations are deployed in a cloud-based distributed GPU cluster. The wearable terminal does not have complete dual-token settlement inference hardware. The system includes nine independent functional units: a standardized wearable terminal with an integrated offline accounting encryption chip, an offline cellular distributed small-amount preprocessing node cluster, an online large-amount transaction settlement agent, an offline preprocessing transaction scheduling agent, a smart currency and smart coupon bidirectional conversion engine, an MAML settlement weight element training unit, a full-domain token circulation sample library, an SM offline points encryption unit, and a DAG transaction log multi-node storage cluster. The wearable terminal hardware layer includes a full range of wearable devices such as AI smart glasses, AI smart rings, and AI smart watches. All devices integrate a dedicated offline points recording and encryption chip. The encryption chip only encrypts and caches minimally sized points transaction fragments of ≤200 characters offline; complete smart coin / coupon account ledgers and global exchange weights are stored only in the cloud. The terminal only opens a one-way TCP channel for uploading transaction fragments; after synchronizing local records online, the chip's cached data is automatically cleared. The offline cellular preprocessing node batches and merges scattered small-amount creative transactions to generate lightweight data packets. It has no local storage capacity for complete user tokens, and the local temporary data is cleared after the data packet is uploaded. The layered AI Agent scheduling layer is configured with two independent computing power queues, one online and one offline, and distinguishes between the general token of Smart Coin and the special token of Smart Voucher for Science and Technology Innovation for tiered settlement, with a built-in two-way conversion engine; The MAML (Model-Agnostic Meta-Learning) meta-training unit synchronizes global token samples monthly, iterates through a 7:3 dataset partitioning every 7 days, and updates the liquidation weights imperceptibly after grayscale verification; The DAG (Directed Acyclic Graph) cluster generates SM3 composite hashes for all transaction operations, and is equipped with a separate reconciliation interface for government and enterprises; The system has a built-in independent cloud-based offline collaborative simulation dataset, and the entire set of encryption chip hardware logic and five-layer architecture can be independently and completely reproduced.

2. The system according to claim 1, characterized in that, Offline cellular preprocessing architecture can reduce the computing load on small cloud transactions by 61%.

3. The system according to claim 1, characterized in that, After MAML iteration, the average deviation of global liquidation is controlled within 1.4%.

4. According to claim 1, the system can handle ≥15,500 concurrent transactions per hour for mixed online and offline transactions.

5. The system according to claim 1, characterized in that, The latency for reconciling and retrieving offline and online transactions is ≤170ms.

6. A self-optimizing execution method for intelligent clearing of dual-value smart currency and smart coupons driven by an AI Agent, characterized in that... The entire process is executed based on a five-layer cloud-on-offline collaborative architecture, including the following steps: A wearable terminal with an integrated offline points accounting encryption chip provides offline encryption caching of simplified points transaction fragments, and offline cellular nodes preprocess small-value market transaction data packets in batches. b. After the terminal and cellular node are connected to the network, encrypted fragments and pre-processed data packets are uploaded to the cloud one-way, and local temporary transaction data is automatically cleared. c. The layered AI Agent distinguishes between large online transactions and pre-processed offline transactions, diverting them to independent computing power queues. The smart currency and smart coupon conversion engine performs bidirectional conversion. The d MAML unit synchronizes the global token circulation samples monthly, and automatically iterates the exchange and allocates global weights in a hierarchical manner; The cloud platform completes the tiered dual-token clearing and distribution for individuals (C), enterprises (B), and governments (G). f. All transaction and weight change records are generated into SM3 hashes and synchronously solidified to the DAG multi-node evidence storage cluster; g Lightweight clearing summary is distributed to wearable devices for display, while the complete token ledger is encrypted and stored in the cloud; All clearing, scheduling, and iterative calculations rely on cloud-based GPU clusters. Wearable terminals do not have complete token conversion and inference hardware, and the entire process can be independently simulated and reproduced.

7. The method according to claim 6, characterized in that, Wearable terminal encryption chips cannot store complete user account ledgers for smart coins and smart coupons locally.

8. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the program is executed by a distributed cloud GPU cluster processor, it implements the dual-value intelligent liquidation execution method as described in any one of claims 6 and 7.

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