System and method for integrating gaming engine and smart contract

Abstract

A system and method are provided for integrating a gaming engine and a smart contract system into a platform. The gaming engine is programmed with a software development environment and an architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create the set of game engine generated environments. The smart contract system is programmed with smart contract services associated with transactions based on electronically verifiable terms. The integrated platform is programmed with an execution framework common to the gaming engine and the smart contract system for integrating the smart contract services with at least one of the gaming engine and the set of game engine generated environments.

Description

[Technical Field]

[0001] CROSS-REFERENCE TO RELATED APPLICATIONS This application claims the benefit of priority to U.S. Provisional Application No. 63 / 221,901, filed July 14, 2021, which is incorporated herein by reference in its entirety.

[0002] The present disclosure relates to a platform, and more particularly to a platform that includes an integrated gaming engine and smart contracts. [Background technology]

[0003] [Background of the gaming engine] Gaming engines are not only used to create increasingly complex video games, but also for an increasingly diverse range of other applications, including physics simulation, film, and media content production. Some of these applications integrate various transactions and monetary interactions, such as in-game purchases of digital items. Smart contracts, operating on distributed ledgers and other data sources, automate transactions, such as executing conditional steps in a transaction when a triggering event occurs. However, despite this opportunity, there is currently little overlap between gaming engines and smart contracts, creating significant potential for innovation at the intersection of these technologies. Among many use cases, gaming engines can provide real-time visibility to one or more parties to smart contracts running on distributed ledgers, and their implementation within digital twins with associated artificial intelligence unlocks simulation and prediction capabilities that can be used to inform and manage the terms of smart contracts. While video game developers and publishers, as well as gaming engine developers, can benefit from the intersection of gaming engines and smart contracts, this technology can expand to almost any market, making this category ripe for further development. Therefore, there is a need for a portable, modular, and easily deployable platform for integrating gaming engine functionality with smart contracts. [Additive Manufacturing Background]

[0004] Additive manufacturing encompasses techniques such as 3D printing, vapor deposition, polymer (or other material) coating, epitaxial and / or crystal growth approaches, which, alone or in combination with other techniques such as subtractive or assembly techniques, allow for the production of three-dimensional products from a design through a process of forming successive layers of the product, with optional intermediate or subsequent steps to arrive at a completed component or system. The design may be in the form of a data source, such as a computer-aided design package or an electronic 3D model created with a 3D scanner. 3D printing or other additive processes then involve forming an initial material layer and adding successive material layers, with each new material layer being added on top of the previously formed material layer, until the entire designed three-dimensional product is completed. Throughout this disclosure, references to 3D printing or other specific additive manufacturing techniques should be understood to encompass alternative embodiments, including other additive manufacturing techniques, unless the context specifically dictates otherwise.

[0005] There are currently many additive manufacturing processes available. These processes may differ in the way successive layers are deposited to create a 3D product. They may also differ with regard to the material used to form the product. Metals (a term that includes alloys, unless the context indicates otherwise, and includes specialty metals such as shape memory materials) are becoming increasingly popular as 3D printing materials. Common examples include titanium, stainless steel, aluminum, tool steel, Inconel, and cobalt chrome. Layers can also be created by melting or softening the metal. Examples of metal 3D printing methods include selective laser melting (SLM), selective laser sintering (SLS), direct metal laser sintering (DMLS), and fused deposition modeling (FDM). Other methods include (a) metal extrusion, in which a filament or rod made of polymer and loaded with metal powder is extruded through a nozzle (as in FDM) to form a "green" part that is then post-processed (debinding and sintering) to create a fully metal part; (b) metal binder jetting, in which a printhead is used to apply a liquid binder to a layer of powder; and (c) nanoparticle jetting, in which metal nanoparticles are jetted in ultra-thin layers through an inkjet nozzle.

[0006] Regardless of the design data source or method employed for additive manufacturing, including metal 3D printing, the entire process from design and manufacturing to delivery to the end customer remains prone to inefficiencies, process variability, product inconsistency, and unreliability, which can result in final 3D printed products not meeting customer expectations and / or product specifications, as well as problems such as poor quality 3D printed products or part failures.

[0007] There is a need for smarter product design, manufacturing, and trade management methods and systems to ensure that final metal 3D printed products meet customer trade expectations and producer specifications for quality, cost, and delivery. Additionally, there is a need for methods and systems that enable improved monitoring, management, and optimization of additive manufacturing capabilities by and for various stakeholders. Summary of the Invention

[0008] [Gaming Engine Overview] A platform that comprehensively integrates the capabilities of both gaming engines and smart contracts offers counterparties the benefits of security, flexibility, and automation, making it applicable to a wide range of markets and use cases. These use cases include existing gaming engine use cases, such as physics simulation, film, and media content production. By integrating smart contracts with gaming engines, more sophisticated transactions can be enabled within the environments created by the gaming engine, including sets and series of conditional triggers. Similarly, existing smart contract applications, such as those used to handle cryptocurrency or other digital token exchanges or enable microtransactions of all kinds (including lending and insurance, among many others), can be enhanced by the introduction of gaming engine-facilitated features and dynamics, including high-quality visualization, customization, and simulation of transaction functions and environments. Furthermore, other emerging trading environments, such as AI-driven digital twins, mixed reality environments, and intelligent wallets, can enable entirely new trading experiences by combining integrated gaming engine and smart contract functionality with other features and capabilities.

[0009] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a software development environment and architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine generation environments; a gaming engine programmed with the architecture; a smart contract system programmed with smart contract services associated with transactions based on electronically verifiable terms; and an integration platform programmed with an execution framework common to the gaming engine and the smart contract system, that integrates the smart contract services into at least one of the gaming engine and the set of game engine generation environments.

[0010] In some embodiments, the integrated platform is further programmed to manage a set of conditional triggers within the gaming engine generation environment. In some embodiments, the gaming engine services include at least one of rendering, visualization, decision tree analysis, or physics calculations. In some embodiments, the gaming engine services include at least one of physics simulation, film, or media content creation. In some embodiments, the gaming engine services include processing cryptocurrency exchange in association with the smart contract system. In some embodiments, the gaming engine services include processing digital token exchange in association with the smart contract system. In some embodiments, the gaming engine services include enabling microtransactions in association with the smart contract services. In some embodiments, the gaming engine services include at least one of transaction functionality or environment visualization, customization, or simulation in association with the smart contract system. In some embodiments, the integrated platform is further programmed to augment the smart contract services with features and dynamics facilitated by the gaming engine services. In some embodiments, the features and dynamics include visualization in association with the smart contract system. In some embodiments, the functionality and dynamics include customization of transactional functionality and an environment associated with the smart contract system. In some embodiments, the functionality and dynamics include simulation of transactional functionality and an environment associated with the smart contract system.

[0011] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a gaming engine programmed with an execution framework, a software development environment, and an architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine-generated environments. The gaming engine smart contract system also includes a smart contract system programmed with the execution framework and smart contract services related to transactions based on electronically verifiable terms, and a user interface system operatively coupled to the gaming engine and the smart contract system, the user interface system being programmed to at least one of operate, maintain, update, improve, or integrate both the gaming engine and the smart contract system in response to user input to the user interface system.

[0012] In some embodiments, the user interface system includes a gateway configured for interaction with external data sources and systems, and the smart contract service operates based in part on the interaction with the external data sources and systems. In some embodiments, the user interface system includes a graphical user interface (GUI) for visual interaction with a user. In some embodiments, the user interface system includes an application programming interface (API) configured for machine-to-machine interfacing. In some embodiments, the user interface system includes a software developer kit (SDK) programmed to provide a set of functions and software tools that enable modification and / or addition of the execution framework. In some embodiments, the SDK is programmed to provide a set of functions and software tools for human interaction. In some embodiments, the SDK is programmed to provide a set of functions and software tools for machine interaction.

[0013] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a smart contract system programmed with an execution framework and smart contract services related to transactions based on electronically verifiable conditions. The gaming engine smart contract system also includes a gaming engine programmed with the execution framework, a software development environment, and an architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine-generated environments, and a visual representation generator configured to render at least one realistic visual representation of an object or event associated with the smart contract.

[0014] In some embodiments, the visual representation generator is configured to generate at least one of realistic images, realistic animations, or realistic visual representations of objects and events associated with the smart contract system. In some embodiments, the visual representation generator is configured to generate at least one of realistic images, realistic animations, or realistic visual representations of objects and events in real time. In some embodiments, the smart contract service is configured to use the visual representation generator during at least one of contract development, contract execution, or client servicing. In some embodiments, the smart contract service is configured to use the visual representation generator during each of contract development, contract execution, and client servicing. In some embodiments, the visual representation generator includes a graphical user interface (GUI) configured to display the realistic visual representations. In some embodiments, the visual representation generator is configured to render the visual representations as at least one of illustrated steps or illustrated activities in the proposed contract, and the GUI is further configured to display at least one of the illustrated steps or illustrated activities. In some embodiments, the visual representation generator is configured to automatically update its content in accordance with modifications to contract elements. In some embodiments, the set of gaming engine services includes a game engine rendering service configured to provide at least one of contract deliverables or validation and blockchain data for contract execution. In some embodiments, the gaming engine smart contract system further includes a gaming engine library including at least one gaming engine module dedicated to rendering for the visual representation generator.

[0015] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a smart contract system programmed with an execution framework and smart contract services related to transactions based on electronically verifiable conditions. The gaming engine smart contract system also includes a gaming engine programmed with the execution framework, a software development environment, and an architecture that provides a set of gaming engine services with predefined tools for digital content developers to create a set of gaming engine generated environments, and a visualization generator configured to render visualizations of at least one of processes, event sequences, assets, relationships, value chain network entities, futures outcomes, or movements associated with the smart contract.

[0016] In some embodiments, the gaming engine smart contract system further includes a gaming engine library including at least one gaming engine module dedicated to rendering for the visualization generator. In some embodiments, the visualization generator is further configured to render the visualization as a process flow diagram of a set of proposed contract outcomes associated with the smart contract system. In some embodiments, the visualization generator is further configured to render a process flow diagram showing adjustments in response to the input of new contract execution data.

[0017] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a gaming engine programmed using an execution framework, a software development environment, and an architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generated environments. The gaming engine smart contract system also includes a smart contract system programmed with the execution framework and smart contract services related to transactions based on electronically verifiable terms, and a data story generator programmed with a data story service that analyzes data to generate analytical data from at least one of the gaming engine or the smart contract system, generates a data story based at least in part on the analytical data, and provides at least one of adapted illustrations, adapted descriptions, or adapted visualizations using the gaming engine.

[0018] In some embodiments, the data is marketplace data and the data story is a marketplace-related data story. In some embodiments, the smart contract system uses the analytical data for contract development. In some embodiments, the smart contract system uses the analytical data for contract execution. In some embodiments, the data story service provides at least one of an adapted illustration, an adapted explanation, or an adapted visualization based on a client role for which the data story is intended. In some embodiments, the client role includes at least one of a business leader, a system operator, or a regulator.

[0019] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a gaming engine programmed with an execution framework, a software development environment, and an architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine generated environments; a smart contract system programmed with the execution framework with smart contract services relating to transactions based on electronically verifiable conditions; and a cryptocurrency system programmed with blockchain distributed ledger services that enable cryptocurrency transactions in relation to the gaming engine and the smart contract system.

[0020] In some embodiments, a blockchain distributed ledger service facilitates custodianship of cryptocurrencies. In some embodiments, a blockchain distributed ledger service facilitates digital tokens. In some embodiments, a blockchain distributed ledger service facilitates transfer of digital tokens.

[0021] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine generated environments, and a smart contract system. The smart contract system is programmed with the execution framework and the smart contract service associated with transactions based on electronically verifiable conditions, and the smart contract service is configured to generate smart contracts based on client requirements, predefined compliance requirements, conditions, and validation criteria.

[0022] In some embodiments, the gaming engine smart contract system further includes a digital ledger system configured to manage transactions and associated recordkeeping. In some embodiments, the digital ledger system is a blockchain digital ledger system. In some embodiments, the smart contract system is further programmed with a smart contract library including smart contract components compatible with the gaming engine. In some embodiments, the smart contract components include predefined segments associated with the gaming engine. In some embodiments, the smart contract components include a contract constructor that manages tasks related to at least one of contract analysis, contract assembly, and contract simulation. In some embodiments, the smart contract components include contract development tasks. In some embodiments, the smart contract components include a contract execution component that operates within the gaming engine application. In some embodiments, the contract execution component is configured to handle contract validation, contract transactions, contract data, and links to external systems required for execution.

[0023] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable terms; and a smart digital wallet programmed with a digital wallet service that manages the storage of funds.

[0024] In some embodiments, the digital wallet service includes security features for users of the gaming engine smart contract system. In some embodiments, the digital wallet service includes a recovery service for users of the gaming engine smart contract system. In some embodiments, the digital wallet service includes purchasing digital tokens and selling digital tokens. In some embodiments, the digital wallet service includes a token exchange service. In some embodiments, the digital wallet service includes storing funds. In some embodiments, the digital wallet service includes searching. In some embodiments, the digital wallet service includes enabling single authorization for shared funds. In some embodiments, the digital wallet service includes enabling multi-signature authorization for shared funds.

[0025] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine generated environments, and a smart contract system, the smart contract system being programmed with the execution framework and a verification module configured to cooperate with the gaming engine to verify that the parties to the smart contract have fulfilled their obligations in the smart contract.

[0026] In some embodiments, the gaming engine service includes a gaming engine validation service that cooperates with a validation module of the smart contract system to participate in validation of obligation performance. In some embodiments, the gaming engine validation service and the validation module cooperate to automatically generate validation of the smart contract execution. In some embodiments, validation of the smart contract execution indicates user acknowledgement that the service has been provided. In some embodiments, validation of the smart contract execution is based on various types of data and various locations of the data. In some embodiments, validation of the smart contract execution is based on completion of at least one of the external contract or the subcontract. In some embodiments, the gaming engine smart contract system further includes a notification system configured to communicate with contract participants of the smart contract to deliver at least one notification of at least partial execution of the smart contract. In some embodiments, the at least one notification includes a progress report. In some embodiments, the at least one notification includes a rendering generated by the gaming engine. In some embodiments, the at least one notification includes a visualization generated by the gaming engine. In some embodiments, the at least one notification includes a notification regarding a contract issue or delay. In some embodiments, the smart contract system is further programmed to comprise a client management module configured to identify the contract participant as one of an actual user, a subcontractor, a financial institution, an internal processor associated with the execution of the contract, or a regulatory body. In some embodiments, the smart contract system is further programmed to comprise a performance feedback system configured to comprise a machine learning module trained based on performance feedback data indicative of the performance of the smart contract.In some embodiments, the smart contract system is further programmed to include a contract management system configured for real-time contract management and adjustment based on smart contract limits and compliance requirements, hi some embodiments, the execution framework includes governance that oversees the complete contract execution process.

[0027] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable terms; and a distributed ledger system programmed with a distributed ledger service that records transactions associated with the smart contract system during execution of the smart contracts.

[0028] In some embodiments, the distributed ledger service comprises a blockchain service that enables secure and immutable transactions and records without a third party. In some embodiments, the distributed ledger service interacts with a gaming engine and a smart contract system to manage smart contract terms and smart contract data. In some embodiments, the distributed ledger system is a centralized distributed ledger. In some embodiments, the distributed ledger system is a cloud-based distributed ledger. In some embodiments, the distributed ledger system is a combination of a centralized distributed ledger and a cloud-based distributed ledger. In some embodiments, the distributed ledger system is a public distributed ledger. In some embodiments, the distributed ledger system is a private distributed ledger.

[0029] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable terms; and an artificial intelligence system trained to automatically configure smart contracts for execution by the smart contract system.

[0030] In some embodiments, an artificial intelligence system is trained for automated smart contract code development. In some embodiments, an artificial intelligence system is trained for automated contract parsing. In some embodiments, an artificial intelligence system is trained for automated contract element selection and assembly. In some embodiments, an artificial intelligence system is trained to generate a complete contract based on automated contract element selection and assembly. In some embodiments, an artificial intelligence system is trained for automated contract execution feedback and learning. In some embodiments, an artificial intelligence system is trained for automated selection of gaming engine tools for contract validation.

[0031] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine generated environments, and a smart contract system, where the smart contract system is programmed with the execution framework and at least one machine learning or artificial intelligence (ML / AI) algorithm trained to detect the performance of the smart contract.

[0032] In some embodiments, at least one of the ML / AI algorithms is configured to automatically monitor the execution of the smart contract. In some embodiments, the gaming engine smart contract system further includes a notification system configured to provide alerts and notifications related to contract conditions based on output from at least one of the ML / AI algorithms. In some embodiments, the gaming engine smart contract system further includes a notification system configured to provide alerts and notifications related to smart contract governance based on output from at least one of the ML / AI algorithms. In some embodiments, the gaming engine smart contract system further includes a notification system configured to provide alerts and notifications related to fraud related to the performance of the smart contract based on output from at least one of the ML / AI algorithms.

[0033] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a gaming engine programmed with an architecture that provides a set of gaming engine services with an execution framework, a software development environment, and predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with smart contract services related to transactions based on electronically verifiable conditions in the execution framework; and a governance and compliance assistance system programmed with at least one machine learning or artificial intelligence (ML / AI) algorithm trained to assist with governance and compliance related to the smart contract services.

[0034] In some embodiments, the gaming engine smart contract system further comprises a governance library comprising a plurality of governance capabilities. In some embodiments, the governance and compliance assistance system is further programmed to cooperate with the smart contract system, external data, and external services to provide analytical support for governance and compliance. In some embodiments, the governance and compliance assistance system is further programmed to determine fairness to provide analytical support for governance and compliance. In some embodiments, the governance and compliance assistance system is further programmed to assess regulatory conformance to provide analytical support for governance and compliance. In some embodiments, the governance and compliance assistance system is further programmed to determine whether contract terms have been met to provide analytical support for governance and compliance.

[0035] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable conditions; and a classification system programmed with at least one machine learning or artificial intelligence (ML / AI) algorithm trained to classify data associated with the smart contract services.

[0036] In some embodiments, the ML / AI algorithm is trained to categorize and group transactions that are based on electronically verifiable conditions. In some embodiments, the ML / AI algorithm is trained to categorize and group contract types associated with the smart contract system. In some embodiments, the ML / AI algorithm is trained to categorize and group clients associated with particular contracts associated with the smart contract system. In some embodiments, the gaming engine smart contract system further includes a library, and the ML / AI algorithm is trained for at least one of maintaining, updating, or organizing the library based on contract results. In some embodiments, the ML / AI algorithm is trained to parse contract requests into executable contracts using similar transaction data.

[0037] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework and smart contract services related to transactions based on electronically verifiable conditions; and an intelligent agent system programmed with a smart contract configuration service that configures smart contracts for the smart contract system.

[0038] In some embodiments, the smart contract configuration service undertakes workflow related to the configuration of smart contracts associated with the smart contract configuration. In some embodiments, the smart contract configuration service undertakes workflow in collaboration with the smart contract service. In some embodiments, the intelligent agent system is configured to determine resources needed to perform gaming engine operations based on real-time intelligence. In some embodiments, the intelligent agent system is configured to recognize attention paid to assets and at least one of suggesting a response to the attention paid and / or executing the response.

[0039] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable terms; and an intelligent agent system configured to negotiate contract terms of smart contracts executed by the smart contract system.

[0040] In some embodiments, the intelligent agent system is configured to dynamically determine the resources required to perform the operation of the gaming engine based on real-time intelligence, hi some embodiments, the intelligent agent system is configured to recognize attention paid to assets and to propose or implement responses to the attention paid.

[0041] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable conditions; and an intelligent agent system configured to receive attention from digital agents that are not part of the intelligent agent system.

[0042] In some embodiments, the intelligent agent system is configured to dynamically determine the resources required to perform the operation of the gaming engine based on real-time intelligence, hi some embodiments, the intelligent agent system is configured to recognize attention paid to assets and to propose or implement responses to the attention paid.

[0043] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable terms; and an intelligent agent system configured to recognize an object of interest associated with a digital agent.

[0044] In some embodiments, the intelligent agent system is configured to dynamically determine the resources required to perform the operation of the gaming engine based on real-time intelligence, hi some embodiments, the intelligent agent system is configured to recognize attention paid to assets and to propose or implement responses to the attention paid.

[0045] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable conditions; and a simulation system configured for simulation associated with at least one of smart contract inputs, smart contract configurations, or smart contract executions associated with the smart contract system.

[0046] In some embodiments, the simulation system uses the smart contract service and the gaming engine service to generate a gaming engine smart contract simulation. In some embodiments, the gaming engine smart contract further includes a digital twin system configured for predictive analytics to support contract development, execution, and machine learning. In some embodiments, the gaming engine smart contract system further includes a digital twin system configured for real-time analytics to support contract development, execution, and machine learning. In some embodiments, the simulation system uses the gaming engine service as an embedded filter to support decision-making in the simulation system. In some embodiments, the simulation system uses the gaming engine service as a processor to support decision-making in the simulation system. In some embodiments, the simulation system includes a user interface configured to interact with an end user to display at least one of contract options or deliverables. In some embodiments, the simulation system is configured to have at least one of an industry-specific configuration or a use-case-specific configuration. In some embodiments, the simulation system is configured with an industry-specific configuration. In some embodiments, the industry-specific configuration is an insurance configuration. In some embodiments, the simulation system is configured with a use-case-specific configuration. In some embodiments, the use case specific setting is a tax consequence setting. In some embodiments, the use case specific setting is a hazardous disposal fee setting.

[0047] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework and smart contract services related to transactions based on electronically verifiable terms; and a fraud detection system operatively coupled with the gaming engine and smart contract system, the fraud detection system configured to identify fraudulent activity during use of the set of gaming engine services and the smart contract services.

[0048] In some embodiments, the fraud detection system is further configured to report the fraudulent activity in response to identifying the fraudulent activity. In some embodiments, the fraud detection system further includes a fraud library containing the identified fraudulent activity. In some embodiments, the fraud detection system is further configured to obtain the identified fraudulent activity from an external source and store it in the fraud library. In some embodiments, the fraud detection system is further configured to store the identified fraudulent activity in the fraud library in response to identifying the fraudulent activity by the fraud detection system. In some embodiments, the fraud library is configured to isolate the fraudulent activity. In some embodiments, the fraud detection system is further configured to identify data anomalies due to fraudulent activity.

[0049] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable terms; and a digital twin configuration and management system configured to organize multiple digital twins having common elements and associated with the gaming engine and smart contract system.

[0050] In some embodiments, the smart contract service and the digital twin configuration and management system cooperate to automate smart contract configuration of the smart contract. In some embodiments, the smart contract service and the digital twin configuration and management system cooperate to perform smart contract configuration of the smart contract based on user input to at least one of the smart contract system or the digital twin configuration and management system. In some embodiments, the gamification engine service is configured to render realistic visual representations of contract segments associated with the smart contract system for review. In some embodiments, the smart contract system abstracts contract segments for the gaming engine service as abstracted contract segments, and the gaming engine service is configured to render realistic visual representations based on the abstracted contract segments. In some embodiments, the smart contract system provides actual contract segments to the gaming engine service as contract segments, and the gaming engine service is configured to render realistic visual representations based on the actual contract segments. In some embodiments, the gaming engine service is configured to render a visualization of at least one of a process, an event sequence, an asset, a relationship, a value chain network entity, a futures outcome, or a movement associated with the smart contract system for review. In some embodiments, the smart contract system abstracts contract segments for the gaming engine service as abstracted contract segments, and the gaming engine service is configured to render the visualization based on the abstracted contract segments.In some embodiments, the smart contract system provides the actual contract segments as contract segments to the gaming engine service, and the gaming engine service is configured to render a visualization based on the actual contract segments. In some embodiments, the digital twin configuration and management system parses the client request to identify contract segments from existing code that can be assembled to form a complete gaming engine smart contract that operates on the gaming engine system. In some embodiments, the digital twin configuration and management system automatically develops and validates new smart contract code. In some embodiments, the smart contract system incorporates the new smart contract code into the gaming engine smart contract. In some embodiments, the gaming engine smart contract system further includes an interface system configured to develop and validate the new code. In some embodiments, the interface system is at least one of a social media interface system, a product lifecycle management system, or an auction system. In some embodiments, the interface program is configured to receive client approval of the finalized smart contract. In some embodiments, the interface system is a user interface system configured to present an updated version of the original contract input requests to a user. In some embodiments, the digital twin configuration and management system provides governance oversight throughout the contract configuration process of the execution framework.

[0051] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine-generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable conditions; and a digital twin user interface configured to interact with a digital twin associated with at least one of the gaming engine, the set of gaming engine-generated environments, and the smart contract system.

[0052] In some embodiments, the digital twin user interface is further configured to provide users of the gaming engine smart contract system with access to digital twin services. In some embodiments, the digital twin user interface further includes a graphical user interface (GUI). In some embodiments, the digital twin user interface is further configured to visualize the execution of contracts associated with the smart contract system within the GUI. In some embodiments, the digital twin user interface is further configured to visualize the execution of contracts based on data inputs including at least one of weather, user, or economic conditions.

[0053] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable terms; and a marketing / advertising system configured for marketing or advertising related to the gaming engine and the smart contract system.

[0054] In some embodiments, the marketing / advertising system performs targeted analysis of the contract execution data. In some embodiments, the marketing / advertising system performs targeted advertising. In some embodiments, the marketing / advertising system performs targeted advertising based on at least one of proposed or requested client services. In some embodiments, the marketing / advertising system performs targeted advertising based on active marketing to users of the gaming engine smart contract system. In some embodiments, the marketing / advertising system includes a marketplace that interfaces with the set of gaming engine services to perform targeted research. In some embodiments, the gaming engine smart contract system further includes a distributed ledger configured to manage the gaming engine smart contract system. In some embodiments, the marketing / advertising system retrieves and presents to the user an at least partially completed contract from the smart contract system in response to a request for a service contract. In some embodiments, the marketing / advertising system presents the at least partially completed contract based on information in the request regarding the type of service to be completed. In some embodiments, the smart contract system is configured to provide the at least partially completed contract to the marketing / advertising system as a home improvement service contract in response to a request indicating a type of service is at least one of home painting services, home renovation services, home building services, or home maintenance services. In some embodiments, the smart contract system is configured to select the at least partially completed contract based on at least one of a type of home, a type of building material, property accessibility, tax records, or parcel number based on public information.In some embodiments, the marketing / advertising system includes a service provider library that includes service providers that have expressed an interest in fulfilling service contracts.

[0055] According to some aspects of the present disclosure, a game engine smart contract system is disclosed that includes: a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine-generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable terms; a digital twin system configured to manage a set of digital twins associated with the gaming engine and smart contract system; and an AR / VR / MR interface system operatively coupled to the digital twin system, the AR / VR / MR interface system providing at least one of an augmented reality interface, a virtual reality interface, or a mixed reality interface that interacts with the set of digital twins and uses the set of gaming engine services.

[0056] In some embodiments, the AR / VR / MR interface system is configured to provide a user experience related to the smart contract system. In some embodiments, the AR / VR / MR interface system provides a user experience related to at least one of contract development, contract execution, or service provision. In some embodiments, the AR / VR / MR interface provides the user experience as an immersive virtual reality experience. In some embodiments, the AR / VR / MR interface provides the user experience as a mixed reality environment overlay for a particular environment related to a smart contract managed by the smart contract system. In some embodiments, the AR / VR / MR interface provides the user experience as a visualization overlay. In some embodiments, the visualization overlay presents paint colors overlaid on a house for a customer viewing the house. In some embodiments, the user experience is associated with a digital twin of a set of digital twins that responds to the user while the user interacts with the environment.

[0057] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable terms; a digital twin system configured to manage a set of digital twins associated with the gaming engine and the smart contract system; and an in-twin marketplace configured to conduct at least one of buying and selling in connection with the digital twin system.

[0058] In some embodiments, the set of digital twins represents at least one of an environment, data associated with a smart contract, a service, or a component. In some embodiments, the digital twin system, the smart contract system, and the in-twin marketplace cooperate to provide in-twin insurance contracts. In some embodiments, the set of digital twins includes an in-twin interface operably coupled with the smart contract system to shift insurance coverage terms. In some embodiments, the set of digital twins includes an in-twin interface operably coupled with the smart contract system to shift coverage between items. In some embodiments, the set of digital twins includes an embedded smart contract. In some embodiments, the gaming engine smart contract system further includes an application program interface (API) configured to interface between the set of digital twins and data related to assets associated with the set of digital twins. In some embodiments, the data related to assets includes at least one of data assets, advertising, services, leases, insurance, emissions, pollution credits, or renewable energy credits. In some embodiments, the set of digital twins includes a trading infrastructure configured to interact with the in-twin marketplace.

[0059] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework with smart contract services related to transactions based on electronically verifiable conditions; and a HW / SW integration system that integrates with at least one of a hardware system or a software system to provide at least one of an end user system or an automation service.

[0060] In some embodiments, the HW / SW integrated system incorporates the gaming engine smart contract system into at least one of a hardware system or a software system to provide end-user or automated services. In some embodiments, at least one of the hardware system or the software system is a social media application that allows users to subscribe to immersive visual content tailored to the user's requirements and executed and paid for in the context of a gaming engine smart contract associated with the gaming engine and smart contract system. In some embodiments, at least one of the hardware system or the software system comprises at least one of an integrated circuit, a chip, a programmable device, or a network device. In some embodiments, at least one of the hardware system or the software system is associated with at least one of an insurance system, an Internet of Things (IoT) system, or a 3D printing system. In some embodiments, the set of gaming engine services is configured to generate at least one of a tailored proposal, a tailored visualization, or a service offering.

[0061] According to some aspects of the present disclosure, a system is disclosed that includes: a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable conditions; and an information technology system having an artificial intelligence system for learning from a training set of transaction results, parameters, and data collected from a distributed manufacturing network and a set of transaction network entities of a transaction-enabled platform to optimize a set of digital manufacturing processes and workflows.

[0062] According to some aspects of the present disclosure, a game engine smart contract system is disclosed that includes: a smart contract system programmed with smart contract services associated with transactions based on electronically verifiable conditions in an execution framework; and a gaming engine programmed with an execution framework, a software development environment, and an architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine generation environments. Some aspects further include a visualization generator configured to render a visualization of at least one of a process, an event sequence, an asset, a relationship, a value chain network entity, a future outcome, or a movement associated with the smart contract. Some aspects further include a data story generator programmed with a data story service that analyzes data to generate analytical data from at least one of the gaming engine or the smart contract system, generates a data story based at least in part on the analytical data, and provides at least one of an adapted illustration, an adapted explanation, or an adapted visualization using the visualization generator and the gaming engine.

[0063] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes, in an execution framework, a smart contract system programmed with a smart contract service associated with transactions based on electronically verifiable conditions, and a verification module configured to cooperate with the gaming engine to generate a performance verification indicating that the parties to the smart contract have fulfilled their obligations under the smart contract, wherein the gaming engine smart contract system further includes a smart digital wallet programmed with a digital wallet service that manages the storage of funds based on the performance verification.

[0064] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a smart contract system programmed with an execution framework and smart contract services related to transactions based on electronically verifiable conditions; a gaming engine programmed with an execution framework, a software development environment, and an architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generation environments; and an intelligent agent system programmed with a smart contract configuration service that configures smart contracts for the smart contract system, negotiates contract terms of smart contracts executed by the smart contract system, receives attention from digital agents that are not part of the intelligent agent system, recognizes attention directed to assets, and proposes or executes responses to the directed attention.

[0065] According to some aspects of the present disclosure, there is provided a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create the set of gaming engine generated environments; a smart contract system programmed with the execution framework and a verification module configured to cooperate with the gaming engine to generate a performance verification indicating that the parties to the smart contract have fulfilled their obligations in the smart contract; and a fraud detection system operatively coupled with the gaming engine and the smart contract system, the fraud detection system configured to identify fraudulent activity during use of the set of gaming engine services and the smart contract services based at least in part on the performance verification.

[0066] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a smart contract system programmed with an execution framework and smart contract services related to transactions based on electronically verifiable conditions; a gaming engine programmed with the execution framework, a software development environment, and an architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generation environments; a user interface system operatively coupled with the gaming engine and the smart contract system, the user interface system programmed to at least one of operate, maintain, update, improve, or integrate both the gaming engine and the smart contract system in response to user inputs to the user interface system; and a marketing / advertising system configured to use the user interface system to conduct at least one of marketing or advertising in connection with the gaming engine and the smart contract system.

[0067] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a smart contract system programmed with an execution framework, smart contract services related to transactions made based on electronically verifiable conditions; a gaming engine programmed with an execution framework, a software development environment, and an architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine generation environments; a digital twin system configured to manage a set of digital twins associated with the gaming engine and the smart contract system; an in-twin marketplace configured to conduct at least one of purchases or sales related to the digital twin system; and an information technology system having an artificial intelligence system for learning based on a training set of transaction results, parameters, and data collected from a set of entities of a distributed manufacturing network and a transaction network within a transaction enablement platform to optimize a set of digital production processes and workflows based on at least one of the purchases or sales related to the digital twin system.

[0068] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine generation environments; a HW / SW integration system that integrates with at least one of a hardware system or a software system and provides at least one of an end-user system or an automation service; and a smart contract system programmed with the execution framework, smart contract services related to transactions based on electronically verifiable terms, and a verification module configured to interface with the gaming engine to verify that parties to the smart contract have fulfilled their smart contract obligations using the HW / SW integration system.

[0069] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a smart contract system programmed with an execution framework and smart contract services related to transactions based on electronically verifiable conditions; a gaming engine programmed with an execution framework, a software development environment, and an architecture that provides a set of gaming engine services having predefined tools for a digital content developer to create a set of gaming engine generation environments; a data story generator programmed with the data story service that analyzes data to generate analytical data from at least one of the gaming engine or the smart contract system, generates a data story based at least in part on the analytical data, and provides at least one of an adapted illustration, an adapted description, or an adapted visualization using the gaming engine; and a marketing / advertising system configured to conduct at least one of marketing or advertising in connection with the gaming engine and the smart contract system using the data story.

[0070] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a smart contract system programmed with an execution framework and smart contract services associated with transactions based on electronically verifiable conditions; a gaming engine programmed with an architecture that provides the execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generation environments; a simulation system configured for simulation associated with at least one of smart contract input, smart contract configuration, or smart contract execution associated with the smart contract system; and an artificial intelligence system trained to automatically configure smart contracts for execution by the smart contract system and associated with the simulation system.

[0071] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a smart contract system programmed with an execution framework with smart contract services related to transactions based on electronically verifiable conditions; a gaming engine programmed with an execution framework, a software development environment, and an architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generation environments; a hardware integration system that integrates with a hardware system that provides at least one of an end user system or an automated service; and an intelligent agent system configured to attract attention from a digital agent that is not part of the intelligent agent system, the intelligent agent system attracting attention at the hardware system using at least one of the end user system or the automated service.

[0072] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed, comprising: a smart contract system programmed with an execution framework and smart contract services associated with transactions based on electronically verifiable conditions; a gaming engine programmed with an execution framework, a software development environment, and an architecture providing a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generation environments; a fraud detection system operatively coupled to the gaming engine and smart contract system, the fraud detection system configured to identify fraudulent activity during use of the set of gaming engine services and the smart contract services; and a visualization generator configured to render a visualization of at least one of processes, event sequences, assets, relationships, value chain network entities, futures outcomes, or movements associated with the fraudulent activity and the smart contract. According to some aspects of the present disclosure, the visualization generator is further configured to render the visualization to present visual indicators of activity within the smart contract that suggest an increased likelihood of fraud. In some aspects of the present disclosure, the visualization generator is further configured to render the visualization to present visual indicators of activity on the blockchain that suggest an increased likelihood of fraud.

[0073] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed, comprising: a smart contract system programmed with smart contract services associated with transactions based on electronically verifiable conditions in an execution framework; and a gaming engine, the gaming engine programmed with an architecture that provides a set of gaming engine services with an execution framework, a software development environment, and predefined tools for a digital content developer to create the set of gaming engine generated environments; a fraud detection system operatively coupled to the gaming engine and smart contract system configured to identify fraudulent activity during use of the set of gaming engine services and the smart contract services; and a visualization generator configured to render visualizations of the fraudulent activity and at least one of processes, event sequences, assets, relationships, value chain network entities, futures outcomes, or movements associated with the smart contract.

[0074] In some embodiments, the visualization generator is further configured to render the visualization to present visual indicators of activity in the smart contract that suggest an increased likelihood of fraud. In some embodiments, the visualization generator is further configured to render the visualization to present visual indicators of activity on the blockchain that suggest an increased likelihood of fraud.

[0075] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework and with smart contract services associated with transactions based on electronically verifiable terms; a fraud detection system operatively coupled with the gaming engine and the smart contract system, the fraud detection system configured to identify fraudulent activity during use of the set of gaming engine services and the smart contract services; and a visual representation generator configured to render realistic visual representations of the fraudulent activity and at least one of an object or event associated with the smart contract.

[0076] In some embodiments, the visual representation generator is further configured to render realistic visual representations to present visual indicators of activity in the smart contract that suggest an increased likelihood of fraud. In some embodiments, the visual representation generator is further configured to render realistic visual representations to present visual indicators of activity on the blockchain that suggest an increased likelihood of fraud.

[0077] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with an architecture that provides a set of gaming engine services with an execution framework, a software development environment, and predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable terms; a fraud detection system operatively coupled with the gaming engine and smart contract system, the fraud detection system configured to identify fraudulent activity during use of the set of gaming engine services and the smart contract services; and a simulation system configured to perform a simulation associated with the fraudulent activity and at least one of smart contract inputs, smart contract configurations, or smart contract executions associated with the smart contract system.

[0078] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine-generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions made under electronically verifiable conditions; a digital twin user interface configured to interact with a digital twin associated with at least one of the gaming engine, the set of game engine-generated environments, and the smart contract system; and an intelligent agent system configured to interact with the digital twin to negotiate contract terms of a smart contract executed by the smart contract system.

[0079] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with smart contract services associated with transactions based on electronically verifiable conditions in the execution framework; a classification system programmed with at least one machine learning or artificial intelligence (ML / AI) algorithm trained to classify data associated with the smart contract services into categorized data; and a fraud detection system operatively coupled with the gaming engine and the classification system, the fraud detection system configured to identify fraudulent activity based on the categorized data.

[0080] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine-generated environments; a smart contract system; and an AR / VR / MR interface system operatively coupled with the digital twin system and providing at least one of an augmented reality interface, a virtual reality interface, or a mixed reality interface that uses the set of gaming engine services to immersively represent the performance of the smart contract. The smart contract system is programmed with the execution framework and at least one of a machine learning or artificial intelligence (ML / AI) algorithm trained to detect the performance of the smart contract.

[0081] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with an architecture that provides a set of gaming engine services with an execution framework, a software development environment, and predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable terms; a cryptocurrency system programmed with a blockchain distributed ledger service that enables cryptocurrency transactions in association with the gaming engine and smart contract system; and a verification system configured to cooperate with the gaming engine and smart contract system to verify that parties to the smart contract have fulfilled their smart contract obligations based on the cryptocurrency transactions.

[0082] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with an architecture that provides a set of gaming engine services with an execution framework, a software development environment, and predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable terms; a distributed ledger system programmed with a distributed ledger service that records transactions associated with the smart contract system during execution of the smart contracts; and a simulation system configured for simulation based on the transactions and associated with at least one of smart contract inputs, smart contract configuration, or smart contract execution associated with the smart contract system.

[0083] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes a gaming engine programmed with an architecture that provides an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine generated environments; a smart contract system programmed with the execution framework and smart contract services associated with transactions based on electronically verifiable conditions; and a governance engine that sets governance parameters for the gaming engine services and the smart contract services.

[0084] In some embodiments, the gaming engine is configured to generate the simulation, and the governance engine, in response to determining that the gaming engine is a trusted gaming engine, uses the gaming engine to generate the simulation.

[0085] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with a software development environment and an architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine-generated environments; a smart contract system programmed with smart contract services related to transactions based on electronically verifiable terms; and an integration platform programmed with an execution framework common to the gaming engine and the smart contract system for integrating the smart contract services with at least one of the gaming engine and the set of gaming engine-generated environments. The integration platform includes an insurance configuration, wherein the smart contract services operate based on the insurance configuration, and the gaming engine services operate based on the insurance configuration to provide gaming engine-enhanced smart contracts for the insurance industry.

[0086] In some embodiments, the insurance policy includes a condition based on at least one of a history of a natural disaster and a likelihood of a natural disaster, in some embodiments the natural disaster is at least one of a hurricane, a drought, a wildfire, an earthquake, or a tornado.

[0087] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with a software development environment and an architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create the set of gaming engine-generated environments; a smart contract system programmed with smart contract services related to transactions based on electronically verifiable terms; and an integration platform programmed with an execution framework common to the gaming engine and the smart contract system for integrating the smart contract services with at least one of the gaming engine and the set of gaming engine-generated environments. The integration platform includes a tax configuration, and the smart contract services operate based on the tax configuration, and the gaming engine services operate based on the tax configuration to provide gaming engine-enhanced smart contracts for the tax industry to manage tax consequences of transactions.

[0088] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with a software development environment and an architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine-generated environments; a smart contract system programmed with smart contract services related to transactions based on electronically verifiable terms; and an integration platform programmed with an execution framework common to the gaming engine and the smart contract system for integrating the smart contract services with at least one of the gaming engine and the set of gaming engine-generated environments. The integration platform includes a banking configuration, the smart contract services operate based on the banking configuration, and the gaming engine services operate based on the banking configuration to provide gaming engine-enhanced smart contracts for the banking industry.

[0089] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a game engine programmed with a software development environment and an architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine-generated environments; a smart contract system programmed with smart contract services related to transactions based on electronically verifiable terms; and an integration platform programmed with an execution framework common to the gaming engine and the smart contract system for integrating the smart contract services with at least one of the gaming engine and the set of game engine-generated environments, wherein the integration platform includes a healthcare configuration, wherein the smart contract services operate based on the healthcare configuration, and the gaming engine services operate based on the healthcare configuration to provide gaming engine-enhanced smart contracts for the healthcare industry.

[0090] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with a software development environment and an architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create a set of gaming engine-generated environments; a smart contract system programmed with smart contract services related to transactions based on electronically verifiable terms; and an integration platform programmed with an execution framework common to the gaming engine and the smart contract system for integrating the smart contract services with at least one of the gaming engine and the set of game engine-generated environments. The integration platform includes a healthcare setting, the smart contract services operate based on the healthcare setting, and the gaming engine services operate based on the healthcare setting to provide gaming engine-enhanced smart contracts for the healthcare industry.

[0091] According to some aspects of the present disclosure, a gaming engine smart contract system is disclosed that includes: a gaming engine programmed with a software development environment and an architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine-generated environments; a smart contract system programmed with smart contract services related to transactions based on electronically verifiable terms; and an integration platform programmed with an execution framework common to the gaming engine and the smart contract system for integrating the smart contract services with at least one of the gaming engine and the set of game engine-generated environments. The integration platform includes a set of use case configurations, including at least a defense setting, an education setting, a scientific exploration setting, an emergency management setting, an urban planning setting, an engineering setting, a political setting, a marketing demo setting, an architectural visualization setting, a training simulation setting, and an environmental modeling simulation. The smart contract services operate based on active configurations of the set of use case configurations, and the gaming engine services operate based on the active configurations to provide gaming engine-enhanced smart contracts.

[0092] [Additive Manufacturing Overview] Some embodiments relate to improvements in additive manufacturing, such as metal additive manufacturing, and various related platforms, components, systems, methods, workflows, processes, services, machines, apparatus, devices, and other elements, related to transaction enablement platforms. Additionally, embodiments may relate to transaction enablement platforms built using a combination of additive manufacturing capabilities with sensor and IoT networks, data integration capabilities, computing power, artificial intelligence (such as machine learning), digital twins, smart contracts, blockchain, and other technologies to enable new methods and models for product development, manufacturing, distribution, delivery, user experience, products, and other improved outcomes in networked transactions.

[0093] Among other things, provided herein are methods, systems, components, processes, modules, blocks, circuits, subsystems, articles, services, software, hardware, and other elements (sometimes collectively referred to as a "platform" or a "system," which term should be understood to encompass any of the above unless the context indicates otherwise) that individually or collectively improve the utilization of additive manufacturing capabilities in a transaction enablement platform (such term encompasses many examples and embodiments disclosed herein and in the documents incorporated herein by reference).

[0094] Aspects provided herein include an information technology system having an artificial intelligence system for learning on a training set of results, parameters, and data collected from a set of distributed manufacturing network entities in a distributed manufacturing network and / or transaction realization platform to optimize digital production processes and workflows.

[0095] In an embodiment, the information technology system comprises a control system configured to adjust, in real time, data and one or more parameters collected from the distributed manufacturing network entities.

[0096] In embodiments, an information technology system includes a digital twin system configured to build a digital twin of one or more distributed manufacturing network entities, where the digital twin provides a substantially real-time representation of the distributed manufacturing network entities through data from one or more sensors located within, on, or near the distributed manufacturing network entities. In embodiments, the digital twin can represent various parameters and attributes of the manufacturing entities (additive, subtractive, biological, chemical, or other entities), such as types of materials they can handle, current levels of available source materials, processing / output rates, operating capabilities, biological manufacturing capabilities, vacuum processing capabilities, energy production and consumption information (e.g., heating, laser processing, etc.), pricing parameters, etc. In embodiments, a platform, such as one using an artificial intelligence system, can run simulations on the digital twin or its predicted outputs to predict possible future states of the distributed manufacturing network entities and / or one or more of their outputs.

[0097] In an embodiment, distributed manufacturing network entities include a set of printed parts, products, processes, additive manufacturing units such as 3D printers, other types of manufacturing units, actors (e.g., suppliers, manufacturers, financiers, users, customers, etc.), packagers, infrastructure, vehicles, and manufacturing nodes.

[0098] Aspects provided herein include a distributed manufacturing network including an additive manufacturing management platform having an artificial intelligence system configured to learn with a training set of transaction results, parameters, and data collected from a set of distributed manufacturing network entities to optimize manufacturing, demand management, service, maintenance, and other transaction processes and workflows, and a distributed ledger integrated with a digital thread of the distributed manufacturing network entities.

[0099] In embodiments, the distributed network entity is a part manufactured using additive manufacturing, and the digital thread comprises information related to the complete lifecycle of the part, from design, modeling, manufacturing, validation, use, and maintenance to disposal. In embodiments, the digital thread may include an instruction set for manufacturing the article, including additive manufacturing instructions, such as design specifications and / or operational parameters, by which one or more additive manufacturing units may be configured and operated to manufacture the article. In embodiments, the digital thread may include multiple alternative such instruction sets, such as those configured to facilitate manufacturing of the article by alternative forms of additive manufacturing and / or hybrids or combinations with other additive manufacturing types and / or other manufacturing types. In embodiments, the instruction sets are embodied in a set of digital twins.

[0100] Aspects provided herein include an autonomous additive manufacturing platform that includes a plurality of sensors disposed in, on, and / or near a product or part and configured to collect sensor data related to the product or part, wherein the sensor data is substantially real-time sensor data; and an adaptive intelligence system coupled to the plurality of sensors and configured to receive the sensor data from the plurality of sensors, wherein the adaptive intelligence system is configured to input the sensor data to one or more machine learning models, wherein the sensor data is used as training data for the machine learning models, and the machine learning models are configured to convert the sensor data into simulation data; and and a digital twin system configured to create a product twin or a part twin based on the one or more models, wherein the product twin or part twin provides a substantially real-time representation of the product or part and provides a simulation of possible future states of the product or part via the simulation data; and the autonomous additive manufacturing platform further includes an artificial intelligence system configured to run the simulation on the digital twin system, wherein the one or more models are utilized by the artificial intelligence system to classify, predict, recommend, and / or generate or drive decisions or instructions related to the product and part, such as decisions or instructions governing design, configuration, material selection, shape selection, production type, job scheduling, etc.

[0101] In an embodiment, the model trained by the machine learning system is utilized by the artificial intelligence system to run simulations on the part twin to predict expansion or contraction of the part, such as based on a physical model of the material expansion or contraction simulated by the simulation.

[0102] In an embodiment, the model trained by the machine learning system is utilized by an artificial intelligence system to run simulations on the part twin to predict part warpage.

[0103] In an embodiment, the model trained by the machine learning system is utilized by the artificial intelligence system to run simulations on the part twin to calculate the changes required in the additive manufacturing process to compensate for shrinkage and warpage of the part, such as material selection, shape selection, interface selection, thermal management element selection, or configuration.

[0104] In embodiments, models trained by machine learning systems and / or other AI systems can perform simulations to generate or facilitate decisions or instructions based at least in part on expected use conditions, such as based on a customer's geographic location, indoor or outdoor use specifications, a set of weather and / or climate models, etc. For example, additive manufacturing of parts having the same intended use can be configured to use different materials, structural elements, or other elements based on whether the part is intended to be used outdoors in a very cold climate or indoors or in a very hot environment. Thus, methods and systems are provided for point-of-use-aware, use-environment-aware, and customer-type-aware automated configuration of manufacturing instructions for parts or products involving automated manufacturing entities, such as additive manufacturing entities.

[0105] In embodiments, the model trained by the machine learning system is utilized by the artificial intelligence system to run simulations on the part twin to test the compatibility of the 3D printed part with other parts, with the system in which the part will be used, with infrastructure elements of the environment of use, with ambient conditions of the environment, with available tools, and / or with 3D printers or other additive manufacturing systems or other manufacturing systems available to produce the part.

[0106] In embodiments, the model trained by the machine learning system is utilized by an artificial intelligence system to run simulations on the part twin to predict deformation or failure of the 3D printed part. In embodiments, the model can also determine a set or sequence of process control parameter adjustments to implement corrective actions, such as adjusting layer dimensions or thicknesses, to correct the defects. In embodiments, the system can send a warning or error signal to an operator or user, or automatically abort the printing process.

[0107] In embodiments, the artificial intelligence system includes or is integrated with a machine vision system that uses a variable focus, liquid lens-based camera for image capture and defect detection. In embodiments, the artificial intelligence system operates on images captured with variable focal lengths, variable lighting settings, etc. to facilitate AI-based object recognition, boundary detection, item classification, material recognition, or other improvements related to the design, manufacture, or use of parts or other components. In embodiments, output from the integrated AI and variable focus lens system is integrated with or into a digital twin representing a set of items, such as parts, captured by the system using the variable focus lens.

[0108] In an embodiment, the model trained by the machine learning system is utilized by the artificial intelligence system to run simulations on the part twin to optimize the build process to minimize the occurrence of deformation.

[0109] In embodiments, the model trained by the machine learning system is utilized by the artificial intelligence system to run simulations on the product twin to predict the cost and / or price of the product or its components. The cost prediction may utilize inputs from marketplaces, outputs from search engines, cost models (e.g., enterprise procurement system models), costs presented in smart contracts, costs presented on websites, and other inputs, such as those related to additive manufacturing input material costs, additive manufacturing processing time costs, etc. The cost prediction may use inputs related to process costs, including energy costs, labor costs, etc. The price prediction may be based on similar inputs, such as public information from various sources indicating current or historical market prices for the product. The cost or price prediction may use inputs from the smart contract, such as smart contract parameters indicating current cost and pricing information provided in third-party contracts for materials, parts, etc.

[0110] Aspects provided herein include an information technology system for a distributed manufacturing network, including: an additive manufacturing management platform comprising an artificial intelligence system configured to learn on a training set of results, parameters, and data collected from a set of distributed manufacturing network entities and run simulations on digital twins of the distributed manufacturing network entities to make classification, prediction, and optimization-related decisions for the distributed manufacturing network entities; and a distributed ledger system integrated with a digital thread configured to provide entities in the distributed manufacturing network with a unified view of workflow and transaction information.

[0111] In an embodiment, digital manufacturing network entities include printed parts, products, processes, additive manufacturing units such as 3D printers, other types of manufacturing units, actors (e.g., suppliers, manufacturers, financiers, users, customers, etc.), packagers, infrastructure, vehicles, and a set of manufacturing nodes.

[0112] In embodiments, the artificial intelligence system runs simulations on one or more of the part twin, the product twin, and the printer twin to generate 3D printing quotes. In embodiments, the set of additive manufacturing quotes may be embodied in a smart contract that is optionally linked to a blockchain such that additive manufacturing operations may be contracted via the smart contract.

[0113] In embodiments, the artificial intelligence system runs simulations on one or more of the part twin, product twin, printer twin, or other twin to generate a set of printing or other additive manufacturing-related recommendations for a user of the platform. The recommendations may include recommendations regarding material type, printer or other additive manufacturing facility type, technique type, service provider or manufacturing source, manufacturing location, timing for scheduling an additive manufacturing job or steps therein, parameters for the design (e.g., among a set of possible designs), etc. In embodiments, the recommendations relate to material selection for printing. In embodiments, the recommendations relate to 3D printing technology selection.

[0114] In an embodiment, the artificial intelligence system runs simulations of one or more of the part twin, the product twin, and the printer twin to generate printing-related recommendations to users of the platform.

[0115] In an embodiment, the artificial intelligence system runs simulations on one or more of the part twin, the product twin, and the printer twin to predict delivery times for 3D print jobs.

[0116] In an embodiment, the artificial intelligence system runs simulations on one or more of a part twin, a product twin, a printer twin, and a manufacturing node twin to predict cost overruns in the manufacturing process.

[0117] In an embodiment, the artificial intelligence system runs simulations on one or more of the part twin, product twin, printer twin, and manufacturing node twin to optimize production sequencing of parts and products based on estimated price, delivery time, sales margin, order size, or similar characteristics.

[0118] In an embodiment, the artificial intelligence system performs simulations on one or more of a part twin, a product twin, a printer twin, and a manufacturing node twin to optimize manufacturing cycle time.

[0119] In an embodiment, the artificial intelligence system runs simulations on one or more of a part twin, a product twin, a printer twin, a customer twin, and a manufacturing node twin to forecast and manage product demand from one or more customers.

[0120] In an embodiment, an artificial intelligence system runs simulations on one or more of the twins to forecast and manage the supply of a set of items from a digital manufacturing network.

[0121] In an embodiment, an artificial intelligence system runs simulations on one or more twins to optimize the production capacity of a distributed manufacturing network.

[0122] In an embodiment, the distributed manufacturing entity includes linking to, using, taking input from, or integrating with a set of other systems, such as an Enterprise Resource Planning (ERP) system, a Manufacturing Execution System (MES), a Product Lifecycle Management (PLM) system, a Maintenance Management System (MMS), a Quality Management System (QMS), a Certification System, a Compliance System, a Robot / Cobot System, and an SCCG system.

[0123] Aspects provided herein include a computer-implemented method for facilitating the production and delivery of 3D printed products to customers using one or more manufacturing nodes in a distributed manufacturing network, the computer-implemented method including: receiving one or more product requirements from a customer; tokenizing and storing the product requirements in a distributed ledger system; determining one or more manufacturing nodes, printers, processes, and materials based on the product requirements; generating a quote including pricing and a delivery timeline; and, upon customer acceptance of the quote, producing and delivering the 3D printed product to the customer. In an embodiment, the quote is generated automatically and configured into a smart contract for additive manufacturing.

[0124] In an embodiment, the determining includes matching customer orders with manufacturing nodes or 3D printers based on factors such as printer capabilities, location of the customer and manufacturing nodes, available capacity at each node, pricing and schedule requirements, and customer satisfaction.

[0125] In various embodiments, including entity matching, design selection, production type selection, material selection, recommendations, scheduling, etc., location-based determination may include geofencing and other distance-based information, route-based information (e.g., considering traffic congestion and other factors that may affect delivery times), and other location-related information related to distribution points, transportation facilities, points of sale, and / or points of use, such as infrastructure information, resource availability information, weather information, climate information, etc. Location-based determination may, for example, factor ambient temperature and other conditions at a location (or a combination of location and intended use) into the selection of materials and construction for construction (e.g., considering potential expansion or contraction in extreme hot or cold conditions).

[0126] In an embodiment, the method further includes evaluating the one or more manufacturing nodes based on a customer satisfaction score for meeting customer requirements.

[0127] In embodiments, the method may facilitate management of manufacturing workflow within and between one or more manufacturing nodes, thereby facilitating collaboration between the manufacturing nodes through the sharing of resources, capabilities, and intelligence. In embodiments, manufacturing nodes may collaborate for forecasting and prediction of material supply and product demand. In embodiments, manufacturing nodes may collaborate for design and product development. In embodiments, manufacturing nodes may collaborate for the manufacture and assembly of one or more parts of a product. In embodiments, manufacturing nodes may collaborate for the distribution and delivery of manufactured products.

[0128] In embodiments, the method may provide "manufacturing as a service" by leveraging unused capacity of one or more manufacturing nodes or 3D printers by exposing that capacity to one or more users seeking to manufacture 3D printed parts. In embodiments, the manufacturing as a service may be provided via smart contracts, optionally using blockchain and / or distributed ledgers. In embodiments, the manufacturing as a service may be managed by an artificial intelligence system to configure offerings, schedule jobs, set prices, set other contractual terms, etc., for a set of additive manufacturing entities.

[0129] Aspects provided herein include a distributed manufacturing network including a distributed ledger system integrated with a digital thread of a set of distributed manufacturing network entities to store information regarding events, activities, and transactions related to the distributed manufacturing network entities, and an artificial intelligence system configured to learn with a training set of results, parameters, and data collected from the distributed manufacturing network entities to optimize workflow of a manufacturing and transaction enablement platform.

[0130] In an embodiment, the distributed ledger system includes a distributed application downloadable by entities in the distributed manufacturing network.

[0131] In an embodiment, the distributed ledger system includes a user interface configured to provide a set of entities in a distributed manufacturing network with a unified set of views of a workflow.

[0132] In embodiments, the distributed ledger system includes a user interface configured to provide tracking and reporting on the status and movement of a product from order, through manufacturing, assembly, and ultimately delivery to a customer.

[0133] In embodiments, the distributed ledger system includes a user interface configured to provide unified data collection from the metering systems.

[0134] In an embodiment, the distributed ledger system includes a system for digital rights management of entities in a distributed manufacturing network. In an embodiment, the distributed ledger system stores digital fingerprint information for documents / files and other information including creation, modification, etc.

[0135] In embodiments, the distributed ledger system uses tokens, such as cryptocurrency tokens, to incentivize value creation and transfer value between entities in the distributed manufacturing network. For example, a unit of token may represent a defined amount of a given type of manufacturing capacity, a defined amount of a given type of material, a defined amount of available time, or other measurable amount of distributed manufacturing capacity. In embodiments, the token may comprise a mechanism for value exchange governed by a set of smart contracts.

[0136] In an embodiment, the distributed ledger system includes a system for proving the experience of a manufacturing node.

[0137] In an embodiment, the distributed ledger system includes a system for capturing end-to-end traceability of a part.

[0138] In embodiments, the distributed ledger system includes a system that tracks all transactions, modifications, quality checks, and authentications on the distributed ledger.

[0139] In an embodiment, the distributed ledger system includes a system for verifying the capabilities of a manufacturing node.

[0140] In embodiments, the distributed ledger system includes or supports smart contracts for automating and managing workflow within a distributed manufacturing network.

[0141] In embodiments, the distributed ledger system includes or supports smart contracts for executing purchase orders covering the scope of work, estimates, schedules, and payment terms.

[0142] In embodiments, the distributed ledger system includes or supports smart contracts for processing payments by customers upon delivery of the product.

[0143] In embodiments, the distributed ledger system includes or supports smart contracts for processing insurance claims for defective products.

[0144] In embodiments, the distributed ledger system includes or supports smart contracts for processing warranty claims.

[0145] In embodiments, the distributed ledger system includes or supports smart contracts for automated execution and payment for maintenance.

[0146] Aspects provided herein include a distributed manufacturing network information technology system including: a cloud-based additive manufacturing management platform having a user interface, connectivity facilities, data storage facilities, and monitoring facilities; a set of applications for enabling the additive manufacturing management platform to manage a set of distributed manufacturing network entities; and an artificial intelligence system configured to learn with a training set of results, parameters, and data collected from the distributed manufacturing network entities to optimize the workflow of the manufacturing and transaction enablement platform.

[0147] In embodiments, connectivity facilities include network connections, interfaces, ports, application programming interfaces (APIs), brokers, services, connectors, wired or wireless communication links, human accessible interfaces, software interfaces, microservices, SaaS interfaces, PaaS interfaces, IaaS interfaces, cloud functions, etc.

[0148] In embodiments, the artificial intelligence system provides optimization and process control throughout the manufacturing lifecycle, from product conception and design, through manufacturing and distribution, to sales, use, service, and maintenance.

[0149] In an embodiment, the artificial intelligence system provides generative design and topology optimization to determine at least one product design that is suitable for manufacture, suitable to meet customer needs, and suitable to meet manufacturer specifications.

[0150] In an embodiment, the artificial intelligence system provides optimization of the build preparation process.

[0151] In an embodiment, the artificial intelligence system optimizes the part orientation process to achieve superior production results.

[0152] In an embodiment, an artificial intelligence system provides optimization of toolpath generation.

[0153] In embodiments, the artificial intelligence system provides optimized dynamic 2D, 2.5D, and 3D nesting to maximize the number of printed parts while minimizing raw material waste.

[0154] In an embodiment, the user interface includes a dashboard that provides tracking and tracing of the manufacturing history of one or more 3D printed parts.

[0155] In an embodiment, the user interface includes a dashboard that provides batch traceability to identify parts from the same batch.

[0156] In an embodiment, the user interface includes a digital twin interface for resolving queries from users of the network related to parts or products.

[0157] In an embodiment, the user interface includes a virtual reality (VR) interface configured to enable a user to construct a 3D model in VR.

[0158] In an embodiment, the application is selected from the group consisting of a production management application, a production reporting application, a production analysis application, and a transaction enabling platform application.

[0159] In an embodiment, the application is an order tracking application configured to track product orders through their movement within a distributed manufacturing network.

[0160] In an embodiment, the application is a workflow management application configured to manage a complete 3D printing production workflow.

[0161] In an embodiment, the application is an alert and notification application configured to generate alerts, notifications, and reports regarding one or more events in the distributed manufacturing network to users or customers of the network. In an embodiment, the alert and notification application is configured to send alerts related to printing errors or failures to user computing devices.

[0162] In an embodiment, the application is a payment gateway application configured to manage the entire billing, payment and invoicing process for customers ordering products using a distributed manufacturing network.

[0163] In an embodiment, the artificial intelligence system is configured to automatically classify and cluster parts, such as those that can be additively manufactured, based on similarity of attributes, including physical attributes, shape, functional attributes, material attributes, performance attributes, economic attributes, etc.

[0164] In an embodiment, the artificial intelligence system is configured to analyze usage patterns associated with one or more users and learn the users' preferences regarding materials, orientation, and / or printing strategies.

[0165] In an embodiment, the artificial intelligence system is configured to minimize material waste generation during the additive manufacturing process.

[0166] In an embodiment, the artificial intelligence system is configured to optimize material utilization during the additive manufacturing process, including providing instruction sets that take into account waste generation and material recovery or recycling.

[0167] In an embodiment, the artificial intelligence system is configured to optimize a combination of material utilization, energy utilization, and other resource utilization during an additive manufacturing process, such as by factoring energy and labor costs into the optimization of the instruction set.

[0168] In an embodiment, an artificial intelligence system is configured to manage real-time dynamics affecting inventory levels for smart inventory and materials management in a distributed manufacturing network.

[0169] In an embodiment, the artificial intelligence system is configured to build, maintain, and provide a library of parts with pre-set parameters, searchable by material, property, function, device compatibility, form fit, interface compatibility, part type, part class, industry, and compliance.

[0170] In embodiments, the artificial intelligence system utilizes an algorithm comprising an artificial neural network, a decision tree, a logistic regression model, a stochastic gradient descent model, a fuzzy classifier, a support vector machine, a Bayesian network, a hierarchical clustering algorithm, a k-means algorithm, a genetic algorithm, a deep learning system, a supervised learning system, a semi-supervised learning system, a deep convolutional neural network, a deep recurrent neural network, or any combination thereof. In embodiments, the artificial intelligence system (in any of the embodiments described herein) may use any of the artificial intelligence types described herein or in the documents incorporated herein by reference. In embodiments, the artificial intelligence system (in any embodiment described herein) may utilize training datasets that may include, among other things, one or more of the following: a set of expert actions or operations on information; process data and / or workflow data; a set of models of various types; a set of outcomes (such as from additive manufacturing processes, from the use of additive manufacturing outputs, from workflows and operations, and / or from related economic activities including sales and service activities); sensor datasets; information from public information sources (search engine results, news feeds, website information, social media information, traffic data, weather data, climate data, demographic data, geospatial data, and many others); information from enterprise and other databases and information technology systems; information from crowdsourcing; Internet of Things information; and / or other data sources and inputs.

[0171] In an embodiment, the distributed manufacturing network information technology system is configured to provide a 3D printed product that conforms to a body part or anatomical structure of a user, and the 3D printed product is a wearable product selected from the group consisting of eyewear, footwear, earwear, and headgear.

[0172] Aspects provided herein include an information technology system for supporting the workflow of an additive manufacturing and transaction enablement platform, the information technology system including: a cloud-based metal additive manufacturing management platform including an artificial intelligence system configured to learn based on a training set of results, parameters, and data collected from one or more additive manufacturing nodes to optimize the processes and workflow of the additive manufacturing and transaction enablement platform; and a distributed ledger system configured to store data related to the manufacturing nodes.

[0173] In an embodiment, the artificial intelligence system learns from a training set of results, parameters, and data collected from one or more additive manufacturing nodes to optimize additive manufacturing processes and material selection.

[0174] In an embodiment, the artificial intelligence system learns from a training set of results, parameters, and data collected from one or more additive manufacturing nodes to optimize the formulation of feedstocks for additive manufacturing.

[0175] In an embodiment, the artificial intelligence system learns from a training set of results, parameters, and data collected from one or more additive manufacturing nodes to optimize part designs for additive manufacturing.

[0176] In an embodiment, the artificial intelligence system learns from a training set of results, parameters, and data collected from one or more additive manufacturing nodes to predict and manage risks associated with the production or delivery to a customer of a part or product by one or more manufacturing nodes.

[0177] In an embodiment, the artificial intelligence system learns based on a training set of results, parameters, and data collected from one or more additive manufacturing nodes and provides personalized marketing and customer service regarding parts or products manufactured by the one or more manufacturing nodes and delivered to customers. [Brief explanation of the drawings]

[0178] The present disclosure and the following detailed description of certain embodiments thereof can be understood by reference to the following figures.

[0179] [Figure 1] FIG. 1 is a schematic diagram of components of a platform for enabling intelligent transactions according to an embodiment of the present disclosure.

[0180] [Figure 2A] 2A and 2B are schematic diagrams of additional components of a platform for enabling intelligent transactions according to embodiments of the present disclosure. [Figure 2B] 2A and 2B are schematic diagrams of additional components of a platform for enabling intelligent transactions according to embodiments of the present disclosure.

[0181] [Figure 3] FIG. 3 is a schematic diagram of additional components of a platform for enabling intelligent transactions according to an embodiment of the present disclosure.

[0182] [Figure 4] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 5]4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 6] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 7] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 8] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 9]4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 10] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 11] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 12] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 13]4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 14] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 15] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 16] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 17]4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 18] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 19] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 20] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 21]4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 22] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 23] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 24] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 25]4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 26] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 27] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 28] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 29]4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 30] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure. [Figure 31] 4-31 are schematic diagrams of embodiments of neural net systems that enable intelligent transactions, including those involving expert systems, self-organization, machine learning, and artificial intelligence, and that may be connected, integrated, and accessed by a platform including neural net systems trained for pattern recognition, classification of one or more parameters, characteristics, or phenomena, support for autonomous control, and other purposes, in accordance with embodiments of the present disclosure.

[0183] [Figure 32] FIG. 32 is a schematic diagram of components of an environment including an intelligent energy and computing facility, a host intelligent energy and computing facility resource management platform, a set of data sources, a set of expert systems, a set of marketplace platforms and interfaces to external resources, and a set of user or client systems and devices, according to an embodiment of the present disclosure.

[0184] [Figure 33]Figure 33 shows the components and interactions of the trading, financial, and marketplace enabling system.

[0185] [Figure 34] FIG. 34 is a diagram illustrating the components and interactions of a series of data processing layers of the exchange financial market realization system.

[0186] [Figure 35] Figure 35 illustrates the adaptive intelligence and robotic process automation capabilities of trading, financial, and marketplace enabling systems.

[0187] [Figure 36] Figure 36 illustrates the opportunity mining capabilities of the trading, financial, and marketplace enabling system.

[0188] [Figure 37] Figure 37 illustrates the adaptive edge compute management and edge intelligence capabilities of the system to enable trading, finance, and markets.

[0189] [Figure 38] FIG. 38 illustrates the protocol adaptation and adaptive data storage capabilities of the transactional, financial, and marketplace enabling system.

[0190] [Figure 39] FIG. 39 illustrates the robotics operational analysis capabilities of the trading finance market enabling system.

[0191] [Figure 40] Figure 40 illustrates a blockchain and smart contract platform for a forward market for access rights to events.

[0192] [Figure 41]Figure 41 illustrates the algorithm and dashboard of a blockchain and smart contract platform for a forward market for access rights to events.

[0193] [Figure 42] Figure 42 illustrates a blockchain and smart contract platform for forward market demand aggregation.

[0194] [Figure 43] Figure 43 illustrates the algorithm and dashboard of a blockchain and smart contract platform for forward market demand aggregation.

[0195] [Figure 44] Figure 44 illustrates a blockchain and smart contract platform for crowdsourcing for innovation.

[0196] [Figure 45] Figure 45 illustrates the algorithm and dashboard of a blockchain and smart contract platform for crowdsourcing for innovation.

[0197] [Figure 46] Figure 46 illustrates a blockchain and smart contract platform for crowdsourcing for evidence.

[0198] [Figure 47] FIG. 47 illustrates the algorithm and dashboard of a blockchain and smart contract platform for crowdsourcing for evidence.

[0199] [Figure 48]Figure 48 depicts the components and interactions of an embodiment of a lending platform having a set of data integration microservices, including data collection and monitoring services for processing lending entities and transactions.

[0200] [Figure 49] Figure 49 illustrates the components and interactions of an embodiment of a lending platform in which a suite of lending solutions is supported by a data integration set of data collection and monitoring services, adaptive intelligent systems, and data storage systems.

[0201] [Figure 50] Figure 50 illustrates the components and interactions of an embodiment of a lending platform having a set of data integration blockchain services, smart contract services, social network analysis services, crowdsourcing services, and Internet of Things data collection and monitoring services for collecting, monitoring, and processing information about entities involved in or related to lending transactions.

[0202] [Figure 51] FIG. 51 depicts the components and interactions of a lending platform having an Internet of Things and sensor platform for monitoring at least one of a set of assets, a set of collateral, and a guarantee for a loan, bond, or debt transaction.

[0203] [Figure 52] FIG. 52 illustrates components and interactions of a lending platform having a crowdsourcing system for collecting information related to entities involved in a lending transaction.

[0204] [Figure 53] FIG. 53 illustrates one embodiment of a crowdsourcing workflow implemented by a lending platform.

[0205] [Figure 54] FIG. 54 illustrates components and interactions of an embodiment of a lending platform having a smart contract system that automatically adjusts interest rates on loans based on information collected via at least one of an Internet of Things system, a crowdsourcing system, a set of social network analysis services, and a set of data collection and monitoring services.

[0206] [Figure 55] FIG. 55 illustrates the components and interactions of an embodiment of a lending platform with smart contracts that automatically restructure debt based on monitored conditions.

[0207] [Figure 56] Figure 56 illustrates the components and interactions of a lending platform with a series of data collection and monitoring systems for verifying the authenticity of guarantees for loans, including an Internet of Things system and a social network analysis system.

[0208] [Figure 57] FIG. 57 illustrates the components and interactions of a lending platform with a robotic process automation system for negotiating a set of terms for a loan.

[0209] [Figure 58] FIG. 58 illustrates the components and interactions of a lending platform with a robotic process automation system for loan collection.

[0210] [Figure 59] Figure 59 shows the components and interactions of a lending platform with a robotic process automation system for integrating a series of loans.

[0211] [Figure 60] FIG. 60 illustrates the components and interactions of a lending platform with a robotic process automation system for managing factored loans.

[0212] [Figure 61] Figure 61 shows the components and interactions of a lending platform with a robotic process automation system for brokering mortgage loans.

[0213] [Figure 62] FIG. 62 illustrates the components and interactions of a lending platform with a crowdsourcing and automated classification system for verifying issuer terms for bonds, a social network monitoring system with artificial intelligence for classifying terms on bonds, and an Internet of Things data collection and monitoring system with artificial intelligence for classifying terms on bonds.

[0214] [Figure 63] FIG. 63 illustrates the components and interactions of a lending platform having a system for managing loan terms based on parameters monitored by IoT, determined by a social network analysis system, or determined by a crowdsourcing system.

[0215] [Figure 64] FIG. 64 illustrates the components and interactions of a lending platform with automated blockchain custody services for managing a set of custodial assets.

[0216] [Figure 65]Figure 65 illustrates the components and interactions of a lending platform with an underwriting system for loans with a set of data integration microservices including data collection and monitoring services, blockchain services, artificial intelligence services, and smart contract services for underwriting lending entities and transactions.

[0217] [Figure 66] Figure 66 illustrates the components and interactions of a lending platform having a loan marketing system with a set of data integration microservices including data collection and monitoring services, blockchain services, artificial intelligence services, and smart contract services for marketing loans to a set of prospective customers.

[0218] [Figure 67] Figure 67 illustrates the components and interactions of a lending platform having a rating system with a set of data integration microservices, including data collection and monitoring services, blockchain services, artificial intelligence services, and smart contract services, for rating a set of loan-related entities.

[0219] [Figure 68] Figure 68 illustrates the components and interactions of a lending platform having a regulatory and / or compliance system with a set of data integration microservices, including data collection and monitoring services, blockchain services, artificial intelligence services, and smart contract services, to automatically facilitate compliance with at least one of laws, regulations, and policies applicable to lending transactions.

[0220] [Figure 69] FIG. 69 is a diagram illustrating a system for automating loan management.

[0221] [Figure 70] FIG. 70 shows an example of the system.

[0222] [Figure 71] FIG. 71 is a diagram illustrating how a loan is processed.

[0223] [Figure 72] Figure 72 shows a system for adaptive intelligence and robotic process automation capabilities that enable trading, finance, and marketplaces.

[0224] [Figure 73] Figure 73 illustrates how smart contract creation and collateral allocation can be automated.

[0225] [Figure 74] FIG. 74 is a diagram illustrating a system for handling loans.

[0226] [Figure 75] FIG. 75 is a diagram illustrating how a loan is processed.

[0227] [Figure 76] FIG. 76 is a diagram illustrating a system for adaptive intelligence and robotic process automation.

[0228] [Figure 77] FIG. 77 is a diagram illustrating a loan creation and management method.

[0229] [Figure 78] Figure 78 shows a system for adaptive intelligence and robotic process automation capabilities that enable transactions, finance, and marketplaces.

[0230] [Figure 79] Figure 79 illustrates a method for robotic process automation of trading, financial and market activities.

[0231] [Figure 80] FIG. 80 is a diagram illustrating a system for adaptive intelligence and robotic process automation.

[0232] [Figure 81] Figure 81 shows how trading, financial and market activities can be automated.

[0233] [Figure 82] FIG. 82 is a diagram illustrating a system for adaptive intelligent robotic processing.

[0234] [Figure 83] FIG. 83 illustrates a method for performing loan-related actions.

[0235] [Figure 84] FIG. 84 is a diagram illustrating a system for adaptive intelligent robotic processing.

[0236] [Figure 85] FIG. 85 illustrates a method for performing loan-related actions.

[0237] [Figure 86] FIG. 86 is a diagram illustrating a system for adaptive intelligent robotic processing.

[0238] [Figure 87] FIG. 87 illustrates a method for performing loan-related actions.

[0239] [Figure 88] Figure 88 illustrates a smart contract system for managing loan collateral.

[0240] [Figure 89] Figure 89 illustrates a smart contract method for managing collateral for a loan.

[0241] [Figure 90] Figure 90 shows a system for verifying collateral and guarantor conditions for a loan.

[0242] [Figure 91] Figure 91 shows a crowdsourcing method for verifying collateral and guarantor requirements for loans.

[0243] [Figure 92] Figure 92 illustrates a smart contract system for modifying a loan.

[0244] [Figure 93] Figure 93 illustrates a smart contract method for modifying a loan.

[0245] [Figure 94] Figure 94 illustrates a smart contract system for modifying a loan.

[0246] [Figure 95] Figure 95 illustrates a smart contract method for modifying a loan.

[0247] [Figure 96] Figure 96 illustrates a smart contract system for modifying a loan.

[0248] [Figure 97] Figure 97 illustrates a smart contract method for modifying a loan.

[0249] [Figure 98] FIG. 98 illustrates a monitoring system for verifying the terms of a guarantee for a loan.

[0250] [Figure 99]FIG. 99 illustrates a monitoring method for verifying the terms of a guarantee for a loan.

[0251] [Figure 100] FIG. 100 illustrates a robotic process automation system for loan negotiation.

[0252] [Figure 101] FIG. 101 illustrates a robotic process automation method for loan negotiation.

[0253] [Figure 102] FIG. 102 is a diagram illustrating a system for adaptive intelligence and robotic process automation.

[0254] [Figure 103] FIG. 103 is a diagram showing a lending and collection method.

[0255] [Figure 104] FIG. 104 is a diagram illustrating a system for adaptive intelligence and robotic process automation.

[0256] [Figure 105] FIG. 105 is a diagram showing how to refinance a loan.

[0257] [Figure 106] FIG. 106 is a diagram illustrating a system for adaptive intelligence and robotic process automation.

[0258] [Figure 107] Figure 107 is a diagram for the loan consolidation method.

[0259] [Figure 108] FIG. 108 is a diagram illustrating a system for adaptive intelligence and robotic process automation.

[0260] [Figure 109] Figure 109 is a diagram showing the loan factoring method.

[0261] [Figure 110] FIG. 110 is a diagram illustrating a system for adaptive intelligence and robotic process automation.

[0262] [Figure 111] FIG. 111 is a diagram showing a mortgage brokerage method.

[0263] [Figure 112] FIG. 112 is a diagram illustrating a system for adaptive intelligence and robotic process automation.

[0264] [Figure 113] Figure 113 shows the debt management method.

[0265] [Figure 114] FIG. 114 is a diagram illustrating a system for adaptive intelligence and robotic process automation.

[0266] [Figure 115] FIG. 115 is a diagram showing a method for managing bonds.

[0267] [Figure 116] FIG. 116 is a diagram showing a system for monitoring the status of bond issuers.

[0268] [Figure 117] FIG. 117 illustrates a method for monitoring the status of a bond issuer.

[0269] [Figure 118] FIG. 118 illustrates a system for monitoring the status of bond issuers.

[0270] [Figure 119] FIG. 119 illustrates a method for monitoring the status of a bond issuer.

[0271] [Figure 120] FIG. 120 is a diagram showing an automatic subsidy loan management system.

[0272] [Figure 121] FIG. 121 is a diagram showing a method for automatically changing the sub-loan conditions.

[0273] [Figure 122] FIG. 122 is a diagram showing a system for automatically changing loan terms.

[0274] [Figure 123] FIG. 123 illustrates a method for collecting social network information about entities involved in a subsidized loan transaction.

[0275] [Figure 124] FIG. 124 is a diagram illustrating a system for automating the handling of grants using crowdsourcing.

[0276] [Figure 125] FIG. 125 illustrates a method for automating the handling of subsidized loans.

[0277] [Figure 126] FIG. 126 is a diagram illustrating a system for asset access control.

[0278] [Figure 127] FIG. 127 is a diagram showing a method for controlling access to assets.

[0279] [Figure 128] Figure 128 shows how the system automatically processes loan foreclosures.

[0280] [Figure 129] FIG. 129 illustrates a method for facilitating the foreclosure of collateral.

[0281] [Figure 130] FIG. 130 is a diagram illustrating an example of an energy and computing resource platform.

[0282] [Figure 131] FIG. 131 is a diagram showing an example of an equipment data record.

[0283] [Figure 132] FIG. 132 is a diagram showing an example of a schema of a person data record.

[0284] [Figure 133] FIG. 133 is a diagram illustrating a cognitive processing system.

[0285] [Figure 134] FIG. 134 illustrates the process by which the lead generation system generates a lead list.

[0286] [Figure 135] FIG. 135 illustrates the process by which a lead generation system determines facility output for identified leads.

[0287] [Figure 136] FIG. 136 is a diagram showing a process for generating and outputting personalized content.

[0288] [Figure 137] FIG. 137 is a schematic diagram illustrating an example of a portion of an information technology system for transactional artificial intelligence utilizing digital twins, according to some embodiments of the present disclosure.

[0289] [Figure 138]FIG. 138 is a schematic diagram illustrating a compliance system that facilitates licensing of moral rights according to some embodiments of the present disclosure.

[0290] [Figure 139] FIG. 139 is a schematic diagram illustrating an example set of components of a compliance system according to some embodiments of the present disclosure.

[0291] [Figure 140] FIG. 140 illustrates a sequence of operations for a method of screening potential licensees for purposes of licensing moral rights of a licensor, according to some embodiments of the present disclosure.

[0292] [Figure 141] FIG. 141 illustrates a sequence of operations of a method for facilitating licensing of a licensor's moral rights by a licensee, according to some embodiments of the present disclosure.

[0293] [Figure 142] FIG. 142 illustrates a sequence of operations of a method for detecting potential circumvention of rules or regulations by a licensor and / or licensee, according to some embodiments of the present disclosure.

[0294] [Figure 143] Figure 143 is a diagram showing how to select an AI solution.

[0295] [Figure 144] Figure 144 is a diagram showing how to select an AI solution.

[0296] [Figure 145] Figure 145 shows an example of an assembled AI solution.

[0297] [Figure 146] Figure 146 is a diagram showing how to select an AI solution.

[0298] [Figure 147] Figure 147 is a diagram showing how to select an AI solution.

[0299] [Figure 148] Figure 148 is a diagram showing an AI solution selection and setting system.

[0300] [Figure 149] Figure 149 is a diagram showing an AI solution selection and setting system.

[0301] [Figure 150] Figure 150 is a diagram showing an AI solution selection and setting system.

[0302] [Figure 151] FIG. 151 is a diagram showing a component configuration circuit.

[0303] [Figure 152] Figure 152 is a diagram showing an AI solution selection and setting system.

[0304] [Figure 153] FIG. 153 illustrates a system for selecting and configuring an artificial intelligence model.

[0305] [Fig. 154] FIG. 154 is a diagram showing how to select and set an artificial intelligence model.

[0306] [Figure 155] FIG. 155 is a schematic diagram illustrating an example of the architecture of a digital twin system according to an embodiment of the present disclosure.

[0307] [Figure 156] FIG. 156 is a schematic diagram illustrating exemplary components of a digital twin management system according to an embodiment of the present disclosure.

[0308] [Figure 157] FIG. 157 is a schematic diagram illustrating an example of a digital twin I / O system interfacing with an environment, a digital twin system, and / or components thereof to provide bidirectional transfer of data between coupled components, according to an embodiment of the present disclosure.

[0309] [Figure 158] FIG. 158 is a schematic diagram illustrating an example of an identification state associated with an industrial environment that a digital twin system may identify and / or store for access by an intelligent system (e.g., a cognitive intelligence system) or user of the digital twin system, according to an embodiment of the present disclosure.

[0310] [Figure 159] FIG. 159 is a schematic diagram illustrating an exemplary embodiment of a method for updating a set of properties of a digital twin of the present disclosure on behalf of a client application and / or one or more embedded digital twins.

[0311] [Figure 160] FIG. 160 illustrates an exemplary embodiment of a display interface of the present disclosure rendering a digital twin of a dryer centrifuge with information related to the dryer centrifuge.

[0312] [Figure 161] FIG. 161 is a schematic diagram illustrating an exemplary embodiment of a method for updating a set of vibration fault level conditions of machine parts, such as bearings, in a digital twin of an industrial machine on behalf of a client application.

[0313] [Figure 162] FIG. 162 is a schematic diagram illustrating an exemplary embodiment of a method for updating a set of vibration severity unit values ​​for a machine part, such as a bearing, in a digital twin of a machine on behalf of a client application.

[0314] [Figure 163] FIG. 163 is a schematic diagram illustrating an exemplary embodiment of a method for updating a set of failure probability values ​​in a digital twin of a machine part on behalf of a client application.

[0315] [Fig. 164] FIG. 164 is a schematic diagram illustrating an exemplary embodiment of a method for updating a set of machine downtime probability values ​​in a digital twin of a manufacturing facility on behalf of a client application.

[0316] [Figure 165] FIG. 165 is a schematic diagram illustrating an exemplary embodiment of a method for updating a set of outage probability values ​​for manufacturing equipment in an enterprise digital twin on behalf of a client application.

[0317] [Figure 166] FIG. 166 is a schematic diagram illustrating an exemplary embodiment of a method for updating a cost set of machine downtime values ​​in a digital twin of a manufacturing facility.

[0318] [Figure 167] FIG. 167 is a schematic diagram illustrating an exemplary embodiment of a method for updating one or more manufacturing KPI values ​​in a digital twin of a manufacturing facility on behalf of a client application.

[0319] [Figure 168] FIG. 168 is a schematic diagram of components of a knowledge distribution system and communication network for facilitating management of digital knowledge according to an embodiment of the present disclosure.

[0320] [Figure 169] FIG. 169 is a schematic diagram showing a ledger network of a knowledge distribution system according to an embodiment of the present disclosure.

[0321] [Figure 170] Figure 170 is a schematic diagram of the knowledge distribution system of Figure 168, including details of the smart contract and smart contract system of the knowledge distribution system according to an embodiment of the present disclosure.

[0322] [Figure 171] FIG. 171 is a schematic diagram illustrating multiple data stores of a knowledge distribution system according to an embodiment of the present disclosure.

[0323] [Fig. 172] FIG. 172 illustrates a method for deploying knowledge tokens and associated smart contracts via a knowledge distribution system according to an embodiment of the present disclosure.

[0324] [Figure 173] FIG. 173 illustrates a method for executing a high-level process flow of a smart contract for distributing digital knowledge via a knowledge distribution system, according to an embodiment of the present disclosure.

[0325] [Fig. 174] FIG. 174 is a schematic diagram of another embodiment of components of a knowledge distribution system and communication network for facilitating management of digital knowledge according to an embodiment of the present disclosure.

[0326] [Figure 175] FIG. 175 is a diagram showing a knowledge distribution system for managing rights related to digital knowledge.

[0327] [Figure 176] FIG. 176 illustrates a computer-implemented method for controlling rights in digital knowledge.

[0328] [Figure 177] FIG. 177 illustrates a computer-implemented method for controlling rights in digital knowledge.

[0329] [Figure 178] FIG. 178 is a diagram showing a knowledge distribution system for controlling rights related to digital knowledge.

[0330] [Figure 179] Figure 179 shows possible components of a 3D printer instruction set.

[0331] [Figure 180] Figure 180 shows the possible contents of the tokenized digital knowledge.

[0332] [Figure 181] Figure 181 shows the possible actions of a smart contract.

[0333] [Figure 182] Figure 182 shows possible conditions for triggering events.

[0334] [Figure 183] Figure 183 shows the possible controls and access rights.

[0335] [Figure 184] Figure 184 shows possible trigger events.

[0336] [Figure 185] FIG. 185 illustrates a computer-implemented method for controlling rights in digital knowledge.

[0337] [Figure 186] FIG. 186 illustrates a computer-implemented method for controlling rights in digital knowledge.

[0338] [Figure 187] Figure 187 shows the potential of crowdsourcing.

[0339] [Figure 188] Figure 188 shows the possible contents of a distributed ledger.

[0340] [Figure 189] Figure 189 shows the possible parameters.

[0341] [Figure 190] FIG. 190 illustrates one embodiment of a knowledge distribution system for controlling rights related to digital knowledge.

[0342] [Figure 191] 191-196 show embodiments of operations for controlling rights related to digital knowledge. [Figure 192] 191-196 show embodiments of operations for controlling rights related to digital knowledge. [Figure 193] 191-196 show embodiments of operations for controlling rights related to digital knowledge. [Figure 194] 191-196 show embodiments of operations for controlling rights related to digital knowledge. [Figure 195] 191-196 show embodiments of operations for controlling rights related to digital knowledge. [Figure 196] 191-196 show embodiments of operations for controlling rights related to digital knowledge.

[0343] [Figure 197] FIG. 197 is a perspective view illustrating an example embodiment of a knowledge distribution system including a trust network for identifying potential fraudulent transactions using consensus trust scores and preventing such fraudulent transactions, according to some embodiments of the present disclosure.

[0344] [Figure 198]FIG. 198 illustrates an example method for explaining the operation of the example trust network illustrated in FIG. 197, according to some embodiments of the present disclosure.

[0345] [Figure 199] FIG. 199 is a perspective view illustrating a transaction being processed by a ledger network including multiple node computing devices, according to some embodiments of the present disclosure.

[0346] [Figure 200] Figure 200 is a perspective view illustrating an exemplary embodiment of a knowledge distribution system including a digital marketplace configured to provide an environment that enables knowledge providers and knowledge recipients to engage in commercial transactions related to the transfer of digital knowledge, according to some embodiments of the present disclosure.

[0347] [Figure 201] FIG. 201 is a perspective view illustrating an example user interface of a digital marketplace configured to enable transactions and commerce between various users of a knowledge distribution system, according to some embodiments of the present disclosure.

[0348] [Figure 202] FIG. 202 is a schematic diagram of an example embodiment of a market orchestration system according to some embodiments of the present disclosure.

[0349] [Figure 203] FIG. 203 is a schematic diagram of an example embodiment of a market orchestration system including a marketplace configuration system for configuring and launching a marketplace.

[0350] [Figure 204] FIG. 204 is a schematic diagram illustrating an example embodiment of a method for configuring and launching a marketplace according to some embodiments of the present disclosure.

[0351] [Figure 205] FIG. 205 is a schematic diagram of an example embodiment of a marketplace orchestration system including a robotic process automation system configured to automate workflow within a marketplace based on robotic process automation.

[0352] [Figure 206] FIG. 206 is a schematic diagram of an example embodiment of a market orchestration system including edge devices configured to perform edge computation and intelligence.

[0353] [Figure 207] FIG. 207 is a schematic diagram of an example embodiment of a market orchestration system including a digital twin system configured to integrate a set of adaptive edge computing systems with the market orchestration digital twin.

[0354] [Figure 208] Figure 208 is a schematic diagram of a digital twin system according to some embodiments. (Diagram of a game engine and smart contract platform)

[0355] [Figure 209A] 209A, 209B, and 209C are block diagrams illustrating systems of a game engine smart contract execution platform in an exemplary deployment environment. [Figure 209B] 209A, 209B, and 209C are block diagrams illustrating systems of a game engine smart contract execution platform in an exemplary deployment environment. [Figure 209C] 209A, 209B, and 209C are block diagrams illustrating systems of a game engine smart contract execution platform in an exemplary deployment environment.

[0356] [Figure 210] FIG. 210 is a block diagram illustrating a game engine system of a game engine smart contract execution platform in an exemplary deployment environment.

[0357] [Figure 211] FIG. 211 is a block diagram illustrating the intelligence layer of a game engine smart contract execution platform in an exemplary deployment environment.

[0358] [Figure 212] FIG. 212 is a block diagram illustrating a cloud-based deployment of the game engine smart contract platform of FIGS. 209A-209C.

[0359] [Figure 213] FIG. 213 is a block diagram illustrating an example embodiment of a gaming engine system of the gaming engine smart contract platform.

[0360] [Figure 214] FIG. 214 is a flowchart illustrating an example execution flow of the game engine smart contract platform.

[0361] [Figure 215] FIG. 215 is a flowchart illustrating another exemplary execution flow of the game engine smart contract platform.

[0362] [Figure 216A] 216A and 216B are flowcharts illustrating yet another example execution flow of a game engine smart contract platform. [Figure 216B] 216A and 216B are flowcharts illustrating yet another example execution flow of a game engine smart contract platform.

[0363] [Figure 217] FIG. 217 is a block diagram illustrating an example embodiment of the intelligence layer of the game engine smart contract platform.

[0364] [Figure 218] FIG. 218 is a block diagram illustrating an example embodiment of a distributed ledger system for the Gaming Engine smart contract platform.

[0365] [Figure 219] FIG. 219 is a block diagram illustrating an example embodiment of a distributed ledger network for the Game Engine smart contract platform.

[0366] [Figure 220] FIG. 220 is a block diagram illustrating another example embodiment of a distributed ledger network for the Game Engine smart contract platform.

[0367] [Figure 221] Figure 221 is a flow chart illustrating an exemplary method of executing a smart contract via a game engine smart contract platform.

[0368] [Figure 222] FIG. 222 is a perspective view illustrating an example environment of an autonomous additive manufacturing platform according to some embodiments of the present disclosure.

[0369] [Figure 223] FIG. 223 is a schematic diagram illustrating an example of an autonomous additive manufacturing platform for automating and optimizing metal additive manufacturing digital production workflows, according to some embodiments of the present disclosure.

[0370] [Figure 224]FIG. 224 is a flow diagram illustrating the optimization of different parameters of an additive manufacturing process according to some embodiments of the present disclosure.

[0371] [Figure 225A] FIG. 225A is a schematic diagram illustrating an exemplary artificial neural network used to provide real-time adaptive control of an additive manufacturing process, according to some embodiments of the present disclosure.

[0372] [Figure 225B] FIG. 225B is a perspective view illustrating an example implementation of a data processing system using a convolutional neural network (CNN) to provide automatic classification and clustering of parts and defects in an additive manufacturing process, according to some embodiments of the present disclosure.

[0373] [Figure 226] FIG. 226 is a schematic diagram illustrating a system for learning with data from an autonomous additive manufacturing platform to train an artificial learning system that uses a digital twin for classification, prediction, and decision-making, according to some embodiments of the present disclosure.

[0374] [Figure 227A] 227A, 227B, and 227C are schematic diagrams illustrating an example implementation of an autonomous additive manufacturing platform including various components along with other entities of a distributed manufacturing network, according to some embodiments of the present disclosure. [Figure 227B] 227A, 227B, and 227C are schematic diagrams illustrating an example implementation of an autonomous additive manufacturing platform including various components along with other entities of a distributed manufacturing network, according to some embodiments of the present disclosure. [Figure 227C] 227A, 227B, and 227C are schematic diagrams illustrating an example implementation of an autonomous additive manufacturing platform including various components along with other entities of a distributed manufacturing network, according to some embodiments of the present disclosure.

[0375] [Figure 228] FIG. 228 is a schematic diagram illustrating an exemplary embodiment of an autonomous additive manufacturing platform for automating and managing manufacturing functions and sub-processes including process and material selection, hybrid part workflow, feedstock formulation, part design optimization, risk prediction and management, marketing and customer service, in accordance with some embodiments of the present disclosure.

[0376] [Figure 229] FIG. 229 is a perspective view of a distributed manufacturing network enabled by an autonomous additive manufacturing platform and built on a distributed ledger system, according to some embodiments of the present disclosure.

[0377] [Figure 230] FIG. 230 is a schematic diagram illustrating an example of a distributed manufacturing network in which digital thread data is tokenized and stored in a distributed ledger to ensure traceability of parts printed at one or more manufacturing nodes in the distributed manufacturing network, according to some embodiments of the present disclosure. DETAILED DESCRIPTION OF THE INVENTION

[0378] The term "service / microservice" (and similar terms) used herein should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, a service / microservice includes any system (or platform) configured to functionally perform the operations of a service, where the system may be data-integrated, such as data collection circuitry, blockchain circuitry, artificial intelligence circuitry, and / or smart contract circuitry for processing lending entities and transactions. A service / microservice facilitates data handling and may include facilities for data extraction, transformation, and loading, data cleansing and deduplication facility, data normalization facility, data synchronization facility, data security facility, computation facility (e.g., facility for performing predefined computational operations on data streams and providing output streams), compression and decompression facility, analysis facility (e.g., providing automated production of data visualizations), data processing facility, and / or data storage facility (including storage retention, formatting, compression, migration, etc.), and others.

[0379] A service / microservice may include controllers, processors, network infrastructure, input / output devices, servers, client devices (e.g., laptops, desktops, terminals, mobile devices, and / or dedicated devices), sensors (e.g., IoT sensors associated with one or more entities, equipment, and / or collateral), actuators (e.g., automatic locks, notification devices, lights, camera controls, etc.), virtualized versions of any one or more of the foregoing (e.g., outsourced computing resources such as cloud storage, computing operations, virtual sensors, collected subscription data such as stock or commodity prices, record logs, etc.), and / or components configured as computer-readable instructions that, when executed by a processor, cause the processor to perform one or more functions of the service, etc. A service may be distributed across multiple devices, and / or the functions of a service may be performed by one or more devices that cooperate to perform the given functions of the service.

[0380] A service / microservice may include an application programming interface that facilitates connectivity between components of a system (e.g., microservices) that execute the service and entities external to the system (e.g., programs, websites, user devices, etc.). Without limiting other aspects of the present disclosure, an example microservice that may be present in a particular embodiment is: (a) a microservice (application programming circuitry) that: (a) a multimodal set of data collection circuitry that collects and monitors information about entities related to loan transactions; (b) a blockchain circuitry for maintaining a secure historical ledger of events related to the loan, the blockchain circuitry having access control functionality that governs access by a set of parties involved in the loan; (c) a set of application programming interfaces, data integration services, data processing workflows, and user interfaces for processing loan-related events and loan-related activities; and (d) a smart contract circuitry for specifying the terms of a smart contract that governs at least one of the loan terms, loan-related events, and loan-related activities. Any of the services / microservices may be controlled by or be able to control the controller. Certain systems may not be considered services / microservices. For example, a point-of-sale device that simply charges a set fee for goods or services may not be a service. In another example, a service that tracks the cost of goods or services and triggers notifications when the value changes may not be the rating service itself, but may depend on the rating service and / or form part of the rating service in certain embodiments.It is understood that a given circuit, controller, or device may be a service or part of a service in certain embodiments, such as when the functionality or capabilities of the circuit, controller, or device are configured to support a service or microservice as described herein, but may not be a service or part of a service for other embodiments (e.g., when the functionality or capabilities of the circuit, controller, or device are not related to a service or microservice as described herein). In another example, a mobile device operated by a user may form part of a service described herein at a first point in time (e.g., when the user accesses the functionality of the service via an application or other communication from the mobile device and / or when a monitoring function is performed via the mobile device) but may not form part of the service at a second point in time (e.g., after a transaction is completed, after the user uninstalls the application, and / or when the monitoring function is stopped and / or handed over to another device). Accordingly, the benefits of the present disclosure may be applied in a wide variety of processes or systems, and any such process or system may be considered a service (or part of a service) herein.

[0381] One of ordinary skill in the art, having the benefit of the disclosure herein and knowledge of contemplated systems typically available to him or her, will be able to determine which aspects of the present disclosure will benefit a particular system and how to combine processes and systems from the present disclosure to construct and provide performance characteristics (e.g., bandwidth, computational power, time response, etc.) and / or operational capabilities (e.g., time between checks, uptime requirements including longitudinal (e.g., continuous operating time) and / or sequential (e.g., time of day, calendar time, etc.), sensing resolution and / or accuracy, data determination (e.g., accuracy, timing, data volume), and / or actuator confirmation capabilities), sufficient service components to provide a given embodiment of the services, platforms, and / or microservices described herein. Specific considerations of one skilled in the art when determining the configuration of components, circuits, controllers, and / or devices for implementing a service, platform, and / or microservice ("Service" in the list below) as described herein include, but are not limited to, the balance of capital costs versus operational costs of implementing and operating the service; the availability, speed, and / or bandwidth of network services available to system components, service users, and / or other entities interacting with the service; response time considerations for the service (e.g., how quickly decisions within the service must be executed to support the commercial functionality of the service; the operation time of various artificial intelligence or other computationally intensive operations); the location of interacting components of the service and the impact of that location on the operation of the service (e.g., regulatory schemes related to data storage location, network communication limitations and / or costs, power costs as a function of location, availability of support for time periods relevant to the service, etc.); the availability of particular sensor types, associated support for those sensors, and the availability of sufficient substitutes (e.g., cameras may require supporting lighting).(Cameras may require supporting lighting and / or high network bandwidth or local storage for sensing purposes), aspects of the value underlying an aspect of the service, including the time sensitivity of the underlying value (e.g., if it changes rapidly or slowly in relation to the operation of the service or the term of the loan), including the principal amount of the loan (e.g., the value of the collateral, the volatility of the collateral value, the net worth or relative net worth of the lender, guarantor, and / or borrower, etc.), trust metrics between the parties to the transaction (e.g., performance history between the parties, credit ratings, social ratings, or other external metrics, conformance of the activities related to the transaction to industry standards or other normalized transaction types, etc.), and / or the availability of cost recovery options (e.g., subscriptions, fees, payments for services, etc.) for a given configuration and / or functionality of the service, platform, and / or microservices. Without limiting other aspects of the disclosure, specific operations performed by the services herein include making real-time changes to loans based on tracked data, utilizing the data to execute secured smart contracts, revaluing debt transactions in response to tracked terms or data, etc. While specific examples of services / microservices and considerations are described herein for illustrative purposes, any system that would benefit from the disclosure herein, and any considerations that would be understood by one of ordinary skill in the art having the benefit of the disclosure herein, are specifically contemplated within the scope of this disclosure.

[0382] Services include, but are not limited to, financial services (e.g., loan transaction services), data collection services (e.g., data collection services that collect and monitor data), blockchain services (e.g., blockchain services that securely maintain data), data integration services (e.g., data integration services that aggregate data), smart contract services (e.g., smart contract services that determine aspects of smart contracts), software services (e.g., software services that extract data related to entities from publicly available information sites), crowdsourcing services (e.g., crowdsourcing services that solicit and report information), Internet of Things services (e.g., Internet of Things services that monitor the environment), publishing services (e.g., publishing data Other examples of services that perform one or more functions herein include, but are not limited to, public services, microservices (e.g., having a set of application programming interfaces that facilitate connectivity between microservices), valuation services (e.g., using valuation models to set values ​​for collateral based on information), artificial intelligence services, market value data collection services (e.g., monitoring and reporting market information), clustering services (e.g., for grouping collateral items based on attribute similarities), social network services (e.g., enabling configuration of social network parameters), asset identification services (e.g., for identifying sets of assets for which a financial institution is responsible for custody), identity management services (e.g., for verifying identities and credentials for a financial institution), and / or similar functional terms. Exemplary services that perform one or more functions herein include computing devices, servers, networked devices, user interfaces, communication protocols, shared information and / or information storage, and / or device-to-device interfaces such as application programming interfaces (APIs), sensors (e.g., IoT sensors operably coupled to monitored components, equipment, locations, etc.), distributed ledgers, circuitry, and computer-readable code configured to cause a processor to perform one or more functions of the service.One or more aspects or components of the services herein may be distributed across multiple devices and / or integrated in whole or in part on a given device. In embodiments, aspects or components of the services herein may be implemented at least in part through a circuit such as, by way of non-limiting example, a data collection service implemented at least in part as a data collection circuit structured to collect and monitor data, a blockchain service implemented at least in part as a blockchain circuit structured to maintain secure data, a data aggregation service implemented at least in part as a data aggregation circuit structured to aggregate data, a smart contract service implemented at least in part as a smart contract circuit structured to determine aspects of a smart contract, a software service implemented at least in part as a software service circuit configured to extract data related to an entity from a public information site, a crowdsourcing service implemented at least in part as a crowdsourcing circuit configured to solicit and report information, an IoT service implemented at least in part as an IoT circuit configured to monitor an environment, a publishing service implemented at least in part as a publishing service circuit configured to publish data, or a microservice service implemented at least in part as a microservice circuit configured for interconnection of multiple service circuits. a valuation service implemented at least in part as a valuation service circuit configured to access a valuation model to set a value for the collateral based on the data; an artificial intelligence service implemented at least in part as an artificial intelligence service circuit; a market value data collection service implemented at least in part as a market value data collection service circuit configured to monitor and report market information; and a clustering service implemented at least in part as a clustering service circuit configured to group collateral items based on attribute similarities.A social networking service implemented at least in part as a social network analysis service circuit configured to set parameters for a social network, an asset identification service implemented at least in part as an asset identification service circuit for identifying a set of assets for which a financial institution has custody responsibility, an identity management service implemented at least in part as an identity management service circuit that enables a financial institution to verify identities and entitlements, etc. Thus, the benefits of the present disclosure may be applied in a wide variety of systems, and any such system may be considered with respect to the items and services herein, although in certain embodiments, a given system may not be considered with respect to the items and services herein. One skilled in the art with the benefit of the disclosure herein and knowledge of the contemplated systems typically available to them can readily determine which aspects of the present disclosure will benefit a particular system and / or how processes and systems from the present disclosure may be combined to enhance the operation of the contemplated system. Among the considerations one skilled in the art may consider to determine the configuration for a particular service are the following: Distribution and access devices available to one or more parties to a particular transaction, jurisdictional restrictions regarding the storage, type, and communication of certain types of information, requirements or desirable aspects of information communication security and verification for the Services, information collection, inter-party communications, and response times for decisions made by the algorithms, machine learning components, and / or artificial intelligence components of the Services, cost considerations of the Services, including capital and operating costs and which party or entity will bear the costs and the availability of cost recovery via subscriptions, service fees, or the like, the amount of information stored and / or communicated to support the Services, and / or the processing or computing power utilized to support the Services.

[0383] The terms "items and services" (and similar terms) used herein should be understood broadly. Without limiting other aspects or descriptions of this disclosure, items and services include, but are not limited to, any items and services used as compensation, used as collateral, the subject of negotiation, etc. Applications seeking guarantees or security for items that are the subject of a loan, collateral for a loan, or the like, such as products, services, offerings, solutions, physical products, software, service levels, service quality, financial instruments, debt, collateral, performance of services, or other items. Without limiting other aspects or descriptions of the present disclosure, the items and services may apply to physical items (e.g., vehicles, ships, airplanes, buildings, homes, real estate properties, undeveloped land, farms, crops, municipal facilities, warehouses, sets of inventory, antiques, fixtures, items of furniture, items of equipment, tools, items of machinery, and items of personal property), financial items (e.g., commodities, securities, currency, securities, tickets, cryptocurrencies), consumables (e.g., food products, beverages), high-value items (e.g., precious metals, jewelry, gemstones), intellectual property (e.g., intellectual property items, intellectual property rights, contract rights), etc. Thus, the benefits of the present disclosure may be applied in a wide variety of systems, and any such system may be considered with respect to the items and services herein, although in certain embodiments, a given system may not be considered with respect to the items and services herein. One skilled in the art with the benefit of the disclosure herein and knowledge of the contemplated systems typically available to him or her will be able to readily determine which aspects of the present disclosure will benefit a particular system and / or how processes and systems from the present disclosure can be combined to enhance the operation of a contemplated system.

[0384] The terms agent, automated agent, and similar terms used herein should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, an agent or automated agent may process events related to at least one of the value, status, and ownership of an item of collateral or asset. The agent or automated agent may perform actions related to a loan, debt transaction, bond transaction, subsidized loan, etc., to which the collateral or asset is subject, such as in response to the processed events. The agent or automated agent may interact with the market for purposes of collecting data, testing spot market transactions, executing transactions, etc., and dynamic system behavior includes complex interactions that a user may desire to understand, predict, control, and / or optimize. Certain systems may not be considered agents or automated agents. For example, if events are merely collected but not processed, the system may not be an agent or automated agent. In some embodiments, if a loan-related action is not in response to a processed event, it may not be performed by an agent or automated agent. Those skilled in the art with the benefit of the disclosure herein and knowledge of the contemplated systems typically available to them can readily determine which aspects of the present disclosure involve and / or benefit from agents or automated agents. Particular considerations for those skilled in the art, or embodiments of the present disclosure relating to agents or automated agents, include, but are not limited to, rules that determine when there has been a change in the value, condition, or ownership of an asset or collateral, and / or rules that determine whether a change warrants further action regarding a loan or other transaction, as well as other considerations. While particular examples of market values ​​and market information are described herein for illustrative purposes, any embodiment that benefits from the disclosure herein, and any considerations that would be understood by one skilled in the art with the benefit of the disclosure herein, are specifically contemplated within the scope of the present disclosure.

[0385] As used herein, market information, market value, and similar terms should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, market information and market value describe the condition or value of an asset, collateral, food, or service at a defined point in time or period. Market value may refer to the expected value placed on an item in a market or auction setting, or to pricing or financial data for items similar to the item, asset, or collateral in at least one public market. For a company, market value is its number of outstanding shares multiplied by its current stock price. Valuation services may include market value data collection services that monitor and report market information related to the value (e.g., market value) of collateral, issuers, sets of bonds, sets of assets, sets of subsidized loans, parties, etc. Market value can be dynamic in nature, as it depends on a variety of factors, from physical operating conditions to economic conditions and supply and demand dynamics. Market value may be affected by, and market intelligence may be driven by, proximity to other assets, the asset's inventory or supply, demand for the asset, the item's origin, the item's history, the underlying current value of the item's components, the entity's bankruptcy status, the entity's seizure status, the entity's contractual default status, the entity's regulatory violation status, the entity's criminal status, the entity's export control status, the entity's embargo status, the entity's export control status, the entity's export control status, the entity's embargo status, the entity's tariff status, the entity's tax status, the entity's credit report, the entity's credit rating, the entity's website rating, a set of customer reviews for the entity's products, the entity's social network rating, a set of entity's credentials, a set of entity's referrals, a set of entity's testimonials, a set of entity's behavior, the entity's location, and the entity's geolocation. In certain embodiments, the market value may include information such as the volatility of the value, the sensitivity of the value (e.g., relative to other parameters that have uncertainties associated with them), and / or the particular value of the evaluated object to a particular party (e.g., the object may be more valuable in the possession of a first party than in the possession of a second party).

[0386] Certain information may not be market information or market value. For example, if the variables related to value are not market-derived, they may be use value or investment value. In certain embodiments, investment value may be considered market value (e.g., if the evaluating party intends to use the asset as an investment if acquired), while in other embodiments, it may not be considered market value (e.g., if the evaluating party intends to immediately liquidate the investment if acquired). One of ordinary skill in the art with the benefit of the disclosure herein and knowledge of the contemplated systems typically available to such person can readily determine which aspects of the present disclosure benefit from market information or market value. For those skilled in the art, particular considerations in determining whether the term market value refers to an asset, item, collateral, good, or service are the presence of other similar assets in the market, changes in value by location, opening bids for items above list price, and other considerations. Specific examples of market value and market information are described herein for illustrative purposes; however, any embodiment benefiting from the disclosure herein, and any considerations understood by one of ordinary skill in the art with the benefit of the disclosure herein, are specifically contemplated within the scope of the present disclosure.

[0387] The terms allocate or assigned and similar terms used herein should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, allocate describes the pro rata distribution or allocation of value, or the process of dividing and allocating value according to the rules of pro rata distribution. The allocation of value may involve multiple parties (e.g., multiple parties each being the beneficiary of a portion of the value), multiple transactions (e.g., transactions each utilizing a portion of the value), and / or many-to-many relationships (e.g., a group of objects has an aggregate value that is allocated among multiple parties and / or transactions). In some embodiments, the value may be a net loss, and the allocated value is an allocation of liabilities to each entity. In other embodiments, allocated value may refer to the distribution or allocation of economic benefits, real estate, collateral, etc. In certain embodiments, allocation may include value considerations to the parties. For example, a $10 million asset allocated 50 / 50 between two parties may result in one party taking credit for the allocation and the value resulting from the allocation being different if the parties have different value considerations for the asset. For example, a first type of transaction (eg, a long-term loan) may have a different valuation for a given asset than a second type of transaction (eg, a short-term line of credit).

[0388] Certain conditions and processes may not be relevant to allocated value. For example, the total value of an item may provide its inherent value, but not how much of that value is held by each identified entity. One of ordinary skill in the art with the benefit of this disclosure and knowledge of allocated value can readily determine which aspects of this disclosure will benefit a particular application for allocated value. Particular considerations for allocated value to one of ordinary skill in the art, or embodiments of the present disclosure, include, but are not limited to, the currency of the principal amount, the expected transaction type (loan, bond, or debt), the specific type of collateral, the loan-to-value ratio, the collateral-to-loan ratio, the total transaction / loan amount, the principal amount, the number of entities owed, the collateral value, and the like. While specific examples of allocated values ​​are described herein for illustrative purposes, any embodiment benefiting from this disclosure, and any considerations understood by one of ordinary skill in the art with the benefit of this disclosure, are specifically contemplated within the scope of this disclosure.

[0389] The term "financial condition" and similar terms used herein should be understood broadly. Without being limited to other aspects or descriptions of this disclosure, financial condition describes the current state of a company's assets, liabilities, and capital position at a given point in time or period. Financial condition may be recorded in financial statements. Financial condition may also include an assessment of a company's ability to withstand future risk scenarios and meet future or upcoming obligations. Financial condition may be based on a set of company attributes selected from the following: a published company valuation, a set of company-owned assets as shown by public records, a valuation of a set of company-owned assets, a company's bankruptcy status, a company's foreclosure status, a company's contract default status, a company's regulatory violation status, a company's criminal status, and a company's export control status. Examples of such attributes include a company's export control status, a company's embargo status, a company's tariff status, a company's tax status, a company's credit report, a company's credit rating, a company's website rating, a set of customer reviews for the company's products, a company's social network rating, a set of company credentials, a set of company referrals, a set of company testimonials, a set of company actions, a company's location, and a company's geolocation. Financial terms may also describe requirements or thresholds for a contract or loan. For example, a condition for a developer to proceed with development may be agreement to various certificates and financial payments. That is, the developer's ability to proceed is specifically conditioned on financial factors. Some conditions may not be financial. For example, a credit card balance alone may provide a clue to financial status, but may not by itself constitute financial status. In another example, a payment schedule may determine how long a liability may remain on a company's balance sheet, but in a silo may not accurately provide financial status. One of ordinary skill in the art with the benefit of this disclosure and knowledge of the contemplated systems typically available to him or her can readily determine which aspects of the present disclosure involve and / or benefit from financial status.To those skilled in the art, particular considerations in determining whether the term financial condition refers to the current state of an entity's assets, liabilities, and capital position at a defined point in time or period, and / or for a given purpose, include reporting of one or more financial data points, loan to collateral value ratios, loan to collateral ratios, total transaction / loan amounts, borrower and lender credit scores, and other considerations. While particular examples of financial conditions are set forth herein for illustrative purposes, any embodiment benefiting from the disclosure herein, and any considerations that would be understood by one of ordinary skill in the art having the benefit of the disclosure herein, are specifically contemplated within the scope of the present disclosure.

[0390] The term interest rate and similar terms used herein should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, interest rates include the amount of interest payable per period as a percentage of the loaned, deposited, or borrowed amount. The total interest on a loaned or borrowed amount may depend on the principal, the interest rate, the frequency of compounding, and the length of time the loan, deposit, or borrowed amount is outstanding. Interest rates are typically expressed as a yearly percentage, but can be defined for any period. Interest rates relate to the amount a bank or other lender charges to borrow its money or the interest rate a bank or other lender pays to savers to hold money in an account. Interest rates can be variable or fixed. For example, interest rates may vary according to government or other stakeholder mandates, the currency of the principal being lent or borrowed, the time to maturity of the investment, the borrower's perceived probability of default, market supply and demand, the amount of collateral, the state of the economy, or special features such as call clauses. In certain embodiments, interest rates may be relative interest rates (e.g., relative to the prime rate, an inflation index, etc.). In certain embodiments, the interest rate may further take into account costs or fees (e.g., "points") applied to adjust the interest rate. A nominal interest rate may not adjust for inflation, whereas a real interest rate does. Specific examples may not be interest rates for purposes of certain embodiments. For example, a bank account that grows by a fixed dollar amount each year and / or a fixed fee amount may not be examples of interest rates for certain embodiments. One skilled in the art with the benefit of the disclosure herein and knowledge of interest rates can readily determine the characteristics of interest rates for particular embodiments. Specific considerations for those skilled in the art regarding interest rates, or for embodiments of the present disclosure, include, but are not limited to, the currency of the principal, variables for setting the interest rate, criteria for adjusting the interest rate, the expected transaction type (loan, bond, or debt), the specific type of collateral, the loan-to-value ratio, the collateral-to-loan ratio, the total transaction / loan amount, the principal amount, the appropriate lifespan of the transaction and / or collateral for a particular industry, the likelihood that the lender will sell and / or consolidate the loan before the term, etc.While particular examples of interest rates are described herein for illustrative purposes, any embodiment benefiting from the disclosure herein, and any considerations that would be understood by one of ordinary skill in the art having the benefit of the disclosure herein, is specifically contemplated within the scope of this disclosure.

[0391] The term valuation service (and similar terms) as used herein should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, a valuation service includes any service that sets a value for a good or service. A valuation service may use a valuation model to set a value for collateral based on information from a data collection and monitoring service. A smart contract service may process output from a set of valuation services and allocate items of collateral sufficient to provide collateral for a loan and / or allocate value for items of collateral among a set of lenders and / or transactions. A valuation service may include an artificial intelligence service that may iteratively improve a valuation model based on outcome data related to collateral transactions. A valuation service may include a market value data collection service that monitors and reports market information related to the value of collateral. Certain processes may not be considered valuation services. For example, a point of sale (POS) that simply charges a set fee for a good or service may not be a valuation service. In another example, a service that tracks the cost of a good or service and triggers notifications when the value changes may not be a valuation service itself, but may depend on and / or form part of a valuation service. Thus, the benefits of the present disclosure may be applied in a wide variety of process systems, and any such process or system may be considered an assessment service herein, while in certain embodiments, certain services may not be considered assessment services herein. A person of ordinary skill in the art with the benefit of the disclosure herein and knowledge of the contemplated systems typically available to him or her will be able to readily determine which aspects of the present disclosure will benefit a particular system and how to combine processes and systems from the present disclosure to enhance the operation of the contemplated system and / or provide assessment services.To one of ordinary skill in the art, particular considerations in determining whether a contemplated system is a valuation service and / or whether aspects of the present disclosure may benefit a contemplated system include, but are not limited to, making real-time changes to loans based on the value of collateral, utilizing market data to execute smart contracts backed by collateral, revaluing collateral based on custody status or geolocation, the tendency of collateral to have volatile value, be utilized, and / or be moved, and the like. Specific examples of valuation services and considerations are described herein for illustrative purposes, however, any system that would benefit from the disclosure herein, and any consideration that would be understood by one of ordinary skill in the art having the benefit of the disclosure herein, are specifically contemplated within the scope of the present disclosure.

[0392] The term collateral attributes (and similar terms) as used herein should be understood broadly. Without being limited to other aspects or explanations of this disclosure, collateral attributes include any of the following: durability (the ability of the collateral to withstand wear or the useful life of the collateral), value, identification (whether the collateral has distinctive characteristics that make it easy to identify or market), stability of value (whether the collateral maintains its value over time), standardization, grading, quality, marketability, liquidity, transferability, desirability, traceability, deliverability (whether the collateral can be delivered or transferred without deterioration in value), market transparency (whether the collateral value is easily verifiable or widely agreed upon), physical or virtual, etc. Collateral attributes may be measured in absolute or relative terms and / or may include qualitative (e.g., categorical descriptions) or quantitative descriptions. Collateral attributes may vary by industry, product, element, application, etc. Collateral attributes can be assigned quantitative or qualitative values. Values ​​associated with collateral attributes may be based on a scale (e.g., 1 to 10) or a relative designation (e.g., high, low, good). Collateral can include various components, and each component can have collateral attributes. Thus, collateral may have multiple values ​​for the same collateral attribute. In some embodiments, multiple values ​​for collateral attributes can be combined to generate a single value for each attribute. Some collateral attributes may only apply to specific portions of the collateral. Some collateral attributes may have different values ​​for a given component of the collateral depending on the stakeholders (e.g., a party that values ​​certain aspects of the collateral more highly than another party) and / or the type of transaction (e.g., collateral may be more valuable or appropriate for a first type of loan than a second type of loan). Certain attributes associated with collateral may not be collateral attributes as described herein, depending on the purpose of the term collateral attribute herein.For example, a product may be rated as durable compared to similar products, but if the product's lifespan is much lower than the term of the particular loan under consideration, the product's durability may be rated differently (e.g., non-durable) or irrelevant (e.g., if current inventory of the product is attached as collateral and is expected to be replaced over the term of the loan). Accordingly, the benefits of the present disclosure may be applied to a variety of attributes, and any such attribute may be considered a collateral attribute herein, although in certain embodiments, certain attributes may not be considered collateral attributes herein. One of ordinary skill in the art with the benefit of the disclosure herein and knowledge of the contemplated collateral attributes typically available to him or her can readily determine which aspects of the present disclosure benefit particular collateral attributes. Particular considerations for one of ordinary skill in the art when determining whether a contemplated attribute is a collateral attribute and / or whether aspects of the present disclosure can benefit or enhance a contemplated system include, but are not limited to, the source of the attribute and the source of the attribute value (e.g., do the attribute and attribute value come from a trusted source?), the volatility of the attribute (e.g., do the collateral's attribute values ​​fluctuate or is the attribute a new attribute of the collateral?), the relative difference in the attribute value relative to similar collateral, exceptional values ​​of the attribute (e.g., an attribute value may be as high as the 98th percentile or very low as the 2nd percentile compared to collateral in a similar class), the liquidity of the collateral, the type of transaction associated with the collateral, and / or the intended use of the collateral for a particular party or transaction. Specific examples of collateral attributes and considerations are described herein for illustrative purposes; however, any system benefiting from the disclosure herein, and any considerations understood by one of ordinary skill in the art having the benefit of the disclosure herein, are specifically contemplated within the scope of the present disclosure.

[0393] The term "blockchain service" (and similar terms) used herein should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, a blockchain service may include any service related to processing, recording, and / or updating a blockchain, including services for processing blocks, calculating hash values, generating new blocks in a blockchain, and adding blocks to a blockchain. Examples include creating a fork of a blockchain, merging a fork of a blockchain, verifying previous calculations, updating a shared ledger, updating a distributed ledger, generating cryptographic keys, validating transactions, maintaining a blockchain, updating a blockchain, validating a blockchain, and generating random numbers. Services may be performed by the execution of computer-readable instructions on a local computer and / or by remote servers and computers. Certain services may not be considered blockchain services individually, but may be considered blockchain services based on the end use of the service and / or in certain embodiments—for example, calculating a hash value may be performed in a context outside of a blockchain, such as in the context of secure communications. While some initial services may be invoked without first being applied to a blockchain, further actions or services in conjunction with the initial service may associate the initial service with aspects of a blockchain. For example, random numbers may be periodically generated and stored in memory, and may be utilized by a blockchain, although they may not initially be generated for blockchain purposes. Accordingly, the benefits of the present disclosure may be applied in a wide variety of services, and any such service may be considered a blockchain service herein, while in certain embodiments, a given service may not be considered a blockchain service herein.A person skilled in the art with the benefit of the disclosure herein and knowledge of contemplated blockchain services typically available to that person can readily determine which aspects of the present disclosure can be configured to implement and / or provide benefits to a particular blockchain service. For those skilled in the art, particular considerations in determining whether a contemplated service is a blockchain service and / or whether aspects of the present disclosure can benefit or enhance a contemplated system include, but are not limited to, the use of the service, the source of the service (e.g., if the service is associated with a known or verifiable blockchain service provider), the responsiveness of the service (e.g., as noted below, some blockchain services may have an expected completion time and / or may be determined through utilization rates), the cost of the service, the amount of data required for the service, and / or the amount of data generated by the service (blocks on a blockchain or keys associated with a blockchain may be of a particular size or a particular range of sizes). While specific examples of blockchain services and considerations are described herein for illustrative purposes, any system that would benefit from the disclosure herein, and any considerations understood by a person skilled in the art with the benefit of the disclosure herein, are specifically contemplated within the scope of the present disclosure.

[0394] The term blockchain (and variants such as cryptocurrency ledger) as used herein may be broadly understood to describe a cryptocurrency ledger that records, manages, or otherwise processes online transactions. A blockchain may be public, private, or a combination thereof, without limitation. A blockchain may also be used to represent a series of digital transactions, agreements, terms, or other digital value. In the former case, a blockchain may also be used in connection with investment applications, token trading applications, and / or digital / cryptocurrency-based marketplaces, without limiting other aspects or descriptions of the present disclosure. A blockchain may also be associated with rendering consideration, such as the provision of goods, services, items, fees, access to restricted areas or events, data, or other valuable benefits. When discussing units of consideration, collateral, currency, cryptocurrency, or any other form of value, various forms of blockchain may be included. Those skilled in the art with the benefit of this disclosure and commonly available knowledge of the contemplated system can readily determine the value symbolized or represented by a blockchain. While particular examples of blockchains are described herein for illustrative purposes, any embodiment benefiting from the disclosure herein, and any considerations that would be understood by one of ordinary skill in the art having the benefit of the disclosure herein, is specifically contemplated within the scope of this disclosure.

[0395] The terms ledger and distributed ledger (and similar terms) used herein should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, a ledger may be a document, file, computer file, database, book, etc. that maintains a record of transactions. A ledger may be physical or digital. A ledger may include records related to sales, accounts, purchases, transactions, assets, liabilities, income, expenses, capital, etc. A ledger may provide a history of transactions associated with time. A ledger may be centralized or distributed / decentralized. A centralized ledger may be a document managed, updated, or viewable by one or more selected entities or clearinghouses, with changes or updates to the ledger governed or managed by the entities or clearinghouses. A distributed ledger is a ledger distributed across multiple entities, participants, or geographies, and these entities can independently, simultaneously, or consensually update or modify their copies of the ledger. Ledgers and distributed ledgers may include security measures and cryptographic functions to sign, conceal, and verify content. In the case of distributed ledgers, blockchain technology may be used. In a distributed ledger implemented using blockchain, the ledger may be a Merkle tree, consisting of a linked list of nodes, each containing the hashed or encrypted transaction data of the previous node. Some transaction records may not be considered ledgers. Files, computer files, databases, and books may or may not be ledgers depending on the data they store, how the data is organized, maintained, and secured. For example, a list of transactions may not be considered a ledger if it cannot be trusted or verified and / or if it is based on inconsistent, fraudulent, or incomplete data. Ledger data may be organized in any format, such as tables, lists, or binary streams of data, depending on convenience, data source, data type, environment, application, etc.A ledger shared among various entities need not be a distributed ledger, although the distinction of distribution can be based on which entities are permitted to make changes to the ledger and / or how changes are shared and processed among different entities. Accordingly, the benefits of the present disclosure may apply to a wide variety of data, and any such data may be considered a ledger herein, while in certain embodiments, certain data may not be considered a ledger herein. Those skilled in the art, with the benefit of the disclosure herein and knowledge of contemplated ledgers and distributed ledgers generally available to them, can readily determine which aspects of the present disclosure can be utilized in an implementation and / or benefit a particular ledger. Particular considerations for those skilled in the art when determining whether contemplated data is a ledger and / or whether aspects of the present disclosure can benefit or enhance a contemplated ledger, include, but are not limited to, the following: Security of the data in the ledger (can the data be tampered with or changed?), the time associated with making a change to the data in the ledger, the cost (computational and monetary) of making the change, details of the data, the composition of the data (whether the data needs to be processed for use in an application), who controls the ledger (is the party controlling the ledger trustworthy or reliable?), confidentiality of the data (who can see or track the data in the ledger?), size of the infrastructure, communication requirements (distributed ledgers may require communication interfaces or specific infrastructure), and resiliency. Specific examples of blockchain services and considerations are described herein for illustrative purposes; however, any system benefiting from the disclosure herein, and any considerations understood by one of ordinary skill in the art having the benefit of the disclosure herein, are specifically contemplated within the scope of this disclosure.

[0396] The term loan (and similar terms) used herein should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, a loan may be an agreement regarding assets borrowed and expected to be returned in kind (e.g., borrowed money and returned money) or in an agreed-upon transaction (e.g., a first good or service is borrowed and money, a second good or service, or a combination thereof). The asset may be money, property, time, a physical object, a virtual object, a service, a right (e.g., a ticket, license, or other right), an amortized amount, a credit (e.g., a tax credit, an emission credit, etc.), an agreed-upon assumption of risk or responsibility, and / or any combination thereof. A loan is made based on a formal or informal agreement between a borrower and a lender, and the lender may provide the asset to the borrower for a predefined period, a variable period, or an indefinite period. The lender and borrower may be individuals, entities, corporations, governments, groups, organizations, etc. Types of loans may include mortgages, personal loans, secured loans, unsecured loans, concession loans, commercial loans, microloans, etc. An agreement between a borrower and a lender may specify the terms of the loan. The borrower may be required to return an asset or repay with an asset different from the loan. In some cases, repayment may be required with interest on the borrowed asset. The borrower and lender may be intermediaries between other entities and may not own or use the asset. In some embodiments, a loan may not involve the direct transfer of an item, but rather a right of use or a shared right of use. In certain embodiments, an agreement between a borrower and a lender may be executed between the borrower and lender and / or between an intermediary (e.g., a beneficiary of a loan interest, such as through the sale of a loan). In certain embodiments, the contract between the borrower and lender may be executed through a service herein, such as a smart contract service, which may be a smart contract that determines at least a portion of the terms of the loan and, in certain embodiments, may commit the borrower and / or lender to the terms of the contract.In certain embodiments, the smart contract service may input the terms of the agreement and present them to the borrower and / or lender for execution. In certain embodiments, the smart contract service may automatically commit one of the borrower or lender to the terms (at least as an offer) and present the offer to the other of the borrower or lender for execution. In certain embodiments, a loan agreement may include multiple borrowers and / or multiple lenders, for example, if the set of loans includes multiple beneficiaries of payments on the set of loans and / or multiple borrowers for the set of loans. In certain embodiments, the risk and / or obligations of the set of loans may be individualized (e.g., each borrower and / or lender is associated with a particular loan in the set of loans), allocated (e.g., a default on a particular loan has an associated loss allocated among the lenders), and / or a combination thereof (e.g., one or more subsets of the set of loans are treated and / or allocated separately).

[0397] Certain agreements may not be considered loans. Agreements to transfer or borrow assets may not be loans, depending on the assets transferred, how the assets are transferred, and the parties involved. For example, an asset transfer may occur for an indefinite period and be considered a sale or permanent transfer of the assets. Similarly, an asset borrowing or transfer without clear terms or agreements between the lender and borrower may not be considered a loan, depending on the circumstances. Even if a formal agreement is not directly codified in a contract, an agreement may be considered a loan as long as the parties willingly and knowingly agree to the arrangement and / or because common practice (e.g., in a particular industry) may treat the transaction as a loan. Thus, the benefits of this disclosure may be applied to a wide variety of agreements, and any such agreement may be considered a loan herein, although in certain embodiments, a given agreement may not be considered a loan herein. One of ordinary skill in the art, with the benefit of the disclosure herein and knowledge of contemplated loans typically available to them, can readily determine which aspects of the present disclosure are beneficial for making, utilizing, or a particular loan transaction. Particular considerations for one of ordinary skill in the art when determining whether a contemplated data is a loan and / or whether aspects of the present disclosure can benefit or enhance a contemplated loan include, but are not limited to, the value of the assets involved, the borrower's ability to return or repay the loan, the type of asset involved (e.g., whether the asset is consumed by use), the repayment period associated with the loan, the interest on the loan, how the loan agreement was arranged, the form of the agreement, the details of the agreement, the details of the loan agreement, collateral attributes associated with the loan, and / or normal business expectations of any of the foregoing in the particular context. While particular examples of loans and considerations are described herein for illustrative purposes, any system benefiting from the disclosure herein, and any considerations understood by one of ordinary skill in the art having the benefit of the disclosure herein, are specifically contemplated within the scope of the present disclosure.

[0398] As used herein, the terms "loan-related event(s)" (and similar terms including "loan-related events") should be understood broadly. Without being limited to other aspects or descriptions of the present disclosure, a loan-related event may include any event related to the terms of a loan or an event triggered by a contract related to a loan. A loan-related event may include a loan default, a breach of contract, performance, repayment, payment, interest change, late fee assessment, refund assessment, distribution, etc. A loan-related event may also be triggered by explicit contract terms. For example, a contract may specify an interest rate increase after a certain period of time has passed since the origination of the loan, and an interest rate increase triggered by the contract may be a loan-related event. A loan-related event may also be implicitly caused by the relevant loan contract clause. In certain embodiments, any occurrence considered relevant to the assumptions of the loan contract and / or the expectations of the parties to the loan contract may be considered an occurrence of an event. For example, if collateral for a loan is expected to be exchangeable (e.g., inventory as collateral), a change in inventory levels may be considered an occurrence of a loan-related event. In another example, when a review and / or verification of the collateral is expected, a lack of access to the collateral, a disabled or failed monitoring sensor, etc. may be considered the occurrence of a loan-related event. In certain embodiments, the circuitry, controller, or other device described herein may automatically trigger the determination of a loan-related event. In some embodiments, a loan-related event may be triggered by an entity managing the loan or loan-related agreement. A loan-related event may be conditionally triggered based on one or more conditions in the loan agreement. A loan-related event may be related to a task or requirement that needs to be completed by the lender, borrower, or a third party. A particular event may be considered a loan-related event in certain embodiments and / or in certain contexts, but may not be considered a loan-related event in other embodiments or contexts. Many events may be associated with a loan, but may be caused by external triggers that are not associated with a loan.However, in certain embodiments, an external triggering event (e.g., a commodity price change related to the collateral) may also be a loan-related event. For example, a renegotiation of loan terms initiated by a lender may not be considered a loan-related event if the terms and / or performance of the existing loan agreement did not trigger the renegotiation. Accordingly, the benefits of the present disclosure may be applied in a wide variety of events, and while any such event may be considered a loan-related event herein, in certain embodiments, certain events may not be considered loan-related events herein. Those skilled in the art with the benefit of the disclosure herein and knowledge of the contemplated systems generally available to them can readily determine which aspects of the present disclosure may be considered loan-related events for the contemplated systems and / or particular transactions supported by the systems. To those skilled in the art, particular considerations in determining whether contemplated data is a loan-related event and / or whether aspects of the present disclosure may benefit a contemplated trading system include, but are not limited to, the impact of the related event on the loan (an event that causes a loan default or termination may have a higher impact), the costs (capital and / or operational) associated with the event, the costs (capital and / or operational) associated with monitoring the occurrence of the event, the entity responsible for responding to the event, the duration and / or response time associated with the event (e.g., the time required to complete the event, the time allotted from the time the event is triggered to the time the event is desired to be processed or detected), the entity responsible for the event, the data required to process the event (e.g., confidential information may have different safeguards or restrictions), the availability of mitigation measures in the event of an undetected event, and / or the remedies available to the at-risk party in the event of an undetected event. While specific examples of loan-related events and considerations are described herein for illustrative purposes, any system benefiting from the disclosure herein, and any considerations understood by one of ordinary skill in the art with the benefit of the disclosure herein, are specifically contemplated within the scope of the present disclosure.

[0399] The term "loan-related activities" (and similar terms) used herein should be broadly understood. Without limiting other aspects or descriptions of this disclosure, loan-related activities may include activities related to loan origination, maintenance, termination, collection, enforcement, servicing, billing, marketing, performance, or negotiation. Loan-related activities may include activities related to the signing of a loan agreement or promissory note, review of loan documents, processing payments, valuation of collateral, evaluation of a borrower's or lender's compliance with loan terms, renegotiation of terms, perfection of security or collateral for a loan, and / or negation of terms. Loan-related activities may relate to events related to a loan before the terms are formally agreed upon, such as activities related to initial negotiations. Loan-related activities may relate to events during the loan term and after the loan's closing. Loan-related activities may be conducted by the lender, the borrower, or a third party. For example, invoicing for a loan balance is considered loan-related activity, but if invoicing for a loan is combined with invoicing for non-loan-related elements, the invoicing may not be considered loan-related activity. Certain activities may occur in connection with an asset regardless of whether a loan is associated with the asset, in which case the activity may not be considered loan-related activity. For example, a periodic audit related to an asset may occur regardless of whether the asset is associated with a loan and may not be considered loan-related activity. In another example, a periodic audit related to an asset may be required by a loan agreement and would not normally occur if not associated with the loan, in which case the activity may be considered loan-related activity. In some embodiments, an activity may be considered loan-related activity if it would not otherwise occur if the loan is inactive or does not exist, but in some cases may still be considered loan-related activity (e.g., if an audit normally occurs but the lender does not have the ability to conduct or review the audit, the audit may be considered loan-related activity even if it would otherwise have already occurred).Thus, the benefits of the present disclosure may be applied in a wide variety of events, and any such event may be considered a loan-related event herein, while in certain embodiments, certain events may not be considered loan-related events herein. A person skilled in the art with the benefit of the disclosure herein and knowledge of the contemplated system generally available to him or her can readily determine loan-related activity for purposes of the contemplated system. Particular considerations for a person skilled in the art when determining whether contemplated data is loan-related activity and / or whether aspects of the present disclosure can benefit or enhance a contemplated loan include, but are not limited to, the following: the necessity of the activity to the loan (the loan agreement or terms can be met without the activity), the cost of the activity, the specificity of the activity to the loan (is the activity similar or identical to other industries?), the time involved in the activity, the impact of the activity on the loan's life cycle, the entity performing the activity, the amount of data required for the activity (does the activity require confidential information related to the loan or personal information related to the entity?), and / or the ability of the parties to perform and / or review the activity. While specific examples of loan-related events and considerations are described herein for illustrative purposes, any system benefiting from the disclosure herein, and any considerations that would be understood by one of ordinary skill in the art having the benefit of the disclosure herein, are specifically contemplated within the scope of this disclosure.

[0400] As used herein, terms such as loan terms, financing terms, terms for financing, and conditions should be broadly understood ("Loan Terms"). Without limiting other aspects or descriptions of the present disclosure, loan terms may relate to conditions, rules, restrictions, contractual obligations, etc. related to timing, repayment, composition, and other enforceable terms agreed upon by a borrower and a loan lender. Loan terms may be specified in a formal agreement between a borrower and a lender. Loan terms may specify aspects such as interest rates, collateral, foreclosure terms, debt consequences, payment methods, payment schedules, and covenants. Loan terms are negotiable and may change during the life of the loan. Loan terms may be changed or influenced by external parameters such as market prices, bond prices, and terms related to the lender or borrower. Certain aspects of a loan may not be considered loan terms. In certain embodiments, aspects of a loan that are not formally agreed upon between a lender and a borrower and / or that are not commonly understood in the course of business (and / or a particular industry) may not be considered loan terms. Some aspects of a loan may be preliminary or informal until formally confirmed in a contract or formal agreement. Some aspects of a loan may not be considered loan conditions individually, but may not be considered loan conditions based on the specificity of that aspect to a particular loan. Some aspects of a loan may not be considered loan conditions at a particular time during the loan, but may be considered loan conditions at another time during the loan (e.g., obligations and / or waivers that may arise through the parties' performance and / or the expiration of the loan term). For example, an interest rate is generally defined in the loan context and may not be considered a loan condition until it is defined in terms of interest compounding (yearly, monthly), calculation method, etc. An aspect of a loan may not be considered a term if it is indefinite or unenforceable. Some aspects may be manifestations of or related to the term of a loan, but may not be a term in itself. For example, a loan term may be the repayment period of the loan, such as one year. The terms may not specify how the loan is to be repaid within that year. The loan may be repaid in 12 monthly payments or in one year.The monthly payment plan in this case may not be considered a loan term, as it may simply be one option or many options for repayment not directly specified by the loan. Thus, the benefits of the present disclosure may be applied to a wide variety of loan aspects, and any such aspect may be considered a loan term herein, although in certain embodiments certain aspects may not be considered a loan term herein. One of ordinary skill in the art with the benefit of the disclosure herein and knowledge of the contemplated systems generally available to them will be able to readily determine which aspects of the present disclosure are loan terms of the contemplated systems.

[0401] Particular considerations for one of ordinary skill in the art when determining whether contemplated data are loan terms and / or whether aspects of the present disclosure may benefit or enhance the contemplated loan include, but are not limited to, the enforceability of the terms (can the lender or borrower enforce the terms?), the cost of enforcing the terms (the amount of time or effort required to ensure the terms are followed?), the complexity of the terms (how easily the parties can follow or understand the terms? Are the terms prone to error or misinterpretation?), the entity responsible for the terms, the fairness of the terms, the stability of the terms (how often they change?), the observability of the terms (can other parties verify the terms?), the favorability of the terms to one party (whether favoring the borrower or lender?), the risks associated with the loan (the terms may depend on the likelihood that the loan will not be repaid?), the characteristics of the borrower and lender (their ability to meet the terms?), and / or normal expectations for the lending or related industry.

[0402] While specific examples of loan terms are described herein for illustrative purposes, any system benefiting from the disclosure herein, and any considerations that would be understood by one of ordinary skill in the art having the benefit of the disclosure herein, are expressly contemplated within the scope of this disclosure.

[0403] As used herein, terms such as loan terms, loan conditions, terms for a loan, and conditions should be understood broadly ("loan terms"). Without limiting other aspects or descriptions of the present disclosure, loan terms may relate to rules, restrictions, and / or obligations associated with a loan. Loan terms may relate to rules or required obligations for obtaining a loan, maintaining a loan, applying for a loan, or transferring a loan. Loan terms may include the principal amount of the debt, the outstanding debt, fixed interest rate, variable interest rate, payment amount, payment schedule, balloon payment schedule, collateral designation, collateral fungibility designation, collateral treatment, access to collateral, parties, guarantees, guarantors, collateral, personal guarantees, liens, term, agreement, foreclosure conditions, default conditions, conditions regarding the borrower's other obligations, consequences of default, etc.

[0404] Certain aspects of a loan may not be considered loan conditions. Aspects of a loan that are not formally agreed upon between the lender and borrower and / or that are not commonly understood in the course of business (and / or a particular industry) may not be considered loan conditions. Certain aspects of a loan may be preliminary and informal until formally agreed upon in a contract or formal agreement. Certain aspects of a loan may not be considered loan conditions individually, but may be considered loan conditions based on the specificity of that aspect to a particular loan. Certain aspects of a loan may not be considered loan conditions at a particular time during the loan, but may be considered loan conditions at another time during the loan (e.g., obligations and / or waivers that may arise through the parties' performance and / or expiration of a loan condition). Thus, the benefits of the present disclosure may be applicable to a wide variety of loan aspects, and any such aspect may be considered a loan condition herein, although in certain embodiments, certain aspects may not be considered loan conditions herein. A person of ordinary skill in the art with the benefit of the disclosure herein and knowledge of the contemplated systems generally available to him or her can readily determine which aspects of the present disclosure are loan terms of the contemplated systems. Particular considerations for the person of ordinary skill in the art when determining whether contemplated data is a loan term and / or whether aspects of the present disclosure may benefit or enhance a contemplated loan include, but are not limited to, the following:These include the enforceability of the condition (can the condition be enforced by the lender or the borrower), the cost of enforcing the condition (the amount of time or effort required to ensure that the condition is adhered to), the complexity of the condition (how easily the parties can adhere to it / understand it / are the conditions prone to error / misinterpretation), who is responsible for the condition, ...

[0405] While specific examples of loan terms are described herein for illustrative purposes, any system benefiting from the disclosure herein, and any considerations that would be understood by one of ordinary skill in the art having the benefit of the disclosure herein, are expressly contemplated within the scope of this disclosure.

[0406] The terms loan collateral, pledge, collateral, and similar terms used herein should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, loan collateral may relate to any asset or property that a borrower pledges to a lender as backup and / or security for a loan. Collateral may be any item of value that is accepted as an alternative form of repayment in the event of loan default. Collateral may include any number of physical or virtual items, such as vehicles, boats, airplanes, buildings, homes, real estate, undeveloped land, farms, crops, municipal facilities, warehouses, inventory, merchandise, securities, currency, tokens of value, tickets, cryptocurrencies, etc., including consumables, food, beverages, precious metals, jewelry, intellectual property, intellectual property rights, contractual rights, antiques, fixtures, furniture, equipment, tools, machinery, and personal property. Collateral may include multiple items or types of items.

[0407] A collateral item may represent an asset, property, value, or other item defined as collateral for a loan or transaction. A set of collateral items may be defined, within which substitution, removal, or addition of a collateral item may be affected. For example, a collateral item may be, but is not limited to, a vehicle, a vessel, an aircraft, a building, a home, real estate, undeveloped land, a farm, crops, municipal facilities, a warehouse, inventory, merchandise, securities, currency, negotiable instruments, tickets, cryptocurrency, consumables, food, beverages, precious metals, or jewelry. Items such as precious metals, jewelry, gemstones, intellectual property, contractual rights, antiques, fixtures, furniture, equipment, tools, machinery, or personal property may be affected. When a set or plurality of collateral items is defined, substitution, removal, or addition of a collateral item to or from the set of collateral items may be affected. Without limiting other aspects or descriptions of this disclosure, a collateral item or set of collateral items may also be used in conjunction with other terms of a contract or loan, such as representations, warranties, indemnities, covenants, outstanding debt, fixed interest rates, variable interest rates, payment amounts, etc. It is used in conjunction with other terms of the agreement or loan, such as variable interest rates, payment amounts, payment schedules, balloon payment schedules, collateral designations, collateral fungibility designations, collateral, personal guarantees, liens, terms, foreclosure conditions, default conditions, and default consequences. In certain embodiments, the smart contract may calculate whether the borrower has met the conditions or terms, and if the borrower has not met such conditions or terms, it may enable automated action, trigger another condition or term that may affect the status, ownership, or transfer of the collateral item, or initiate the substitution, removal, or addition of a collateral item to the collateral set for the loan. Those skilled in the art, having the benefit of this disclosure and knowledge of collateral, can readily determine the purpose and use of collateral (including its substitution, removal, and addition) in the various embodiments and contexts disclosed herein.

[0408] Although the specific example of loan collateral is described herein for purposes of illustration, any system benefiting from the disclosure herein, and any considerations that would be understood by one of ordinary skill in the art having the benefit of the disclosure herein, is expressly contemplated within the scope of this disclosure.

[0409] The term "smart contract service" (and similar terms) used herein should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, a smart contract service includes any service or application that manages a smart contract or a smart lending agreement. For example, a smart contract service may specify the terms of a smart contract, such as in a rules database, or process outputs from a set of evaluation services and allocate sufficient items of collateral to provide collateral for a loan. A smart contract service may automatically execute a set of rules or conditions embodying a smart contract, and the execution may be based on or utilize collected data. A smart contract service may configure a smart contract to automatically initiate a loan payment request, automatically initiate a foreclosure process, automatically initiate an action to claim replacement or backup collateral or transfer ownership of collateral, automatically initiate an inspection process, automatically modify payment or interest terms based on collateral, and automatically undertake loan-related actions. The smart contract may govern at least one of loan terms, loan-related events, and loan-related activities. A smart contract may be an agreement encoded as a computer protocol that can facilitate, verify, or enforce the negotiation or execution of the smart contract. A smart contract may or may not be one or more of partially or fully self-executing, or partially or fully self-enforcing.

[0410] A process may not be considered smart contract-related individually, but may be considered smart contract-related in an aggregated system—for example, automatically undertaking loan-related actions may not be smart contract-related in one instance, but may be governed by the terms of a smart contract in another instance. Thus, the benefits of the present disclosure may be applied in a wide variety of process systems, and any such process or system may be considered a smart contract or smart contract service herein, although in certain embodiments a given service may not be considered a smart contract service herein.

[0411] A person of ordinary skill in the art with the benefit of the disclosure herein and knowledge of the contemplated systems generally available to them will be readily able to determine which aspects of the present disclosure will benefit a particular system and how processes and systems from the present disclosure can be combined to implement a smart contract service and / or enhance the operation of a contemplated system. Particular considerations for a person of ordinary skill in the art when determining whether a contemplated system includes a smart contract service or smart contracts and / or whether aspects of the present disclosure may benefit a contemplated system include, but are not limited to, the following: These include the ability to automatically transfer ownership of collateral in response to an event, automated actions available upon discovery of covenant compliance (or lack thereof), amenability to collateral clustering, rebalancing, allocation, addition, replacement, and removal of items from collateral, modification parameters of aspects of the loan in response to an event (e.g., timing, complexity, suitability for loan type, etc.), complexity of the loan terms for the system, including benefit from rapid determination and / or prediction of changes in entities related to the loan (e.g., collateral, financial condition of the parties, offsetting collateral, and / or industry related to the parties), suitability of automated generation of terms and / or condition execution for the type of loan, party, and / or industry contemplated for the system, etc. While specific examples of smart contract services and considerations are described herein for illustrative purposes, any system benefiting from the disclosure herein, and any considerations understood by one of ordinary skill in the art having the benefit of the disclosure herein, are specifically contemplated within the scope of the present disclosure.

[0412] The term IoT system (and similar terms) as used herein should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, an IoT system includes any system of uniquely identified and interrelated computing devices, mechanical and digital machines, sensors, and objects that can transfer data over a network without intervention. While certain components may not individually be considered an IoT system, in an aggregated system—e.g., a single networked system—they may be considered an IoT system.

[0413] A sensor, smart speaker, and / or medical device may not be an IoT system, but may be part of a larger system and / or may be considered an IoT system and / or part of an IoT system in the aggregate with many other similar components. In certain embodiments, a system may be considered an IoT system for some purposes but not for others—for example, a smart speaker may be considered part of an IoT system for certain operations, such as providing surround sound, but not for other operations, such as streaming content directly from a single, locally networked source. Furthermore, in certain embodiments, otherwise similar-appearing systems may be distinguished when determining whether and / or what type of IoT system such a system is. For example, one group of medical devices may not share to an aggregated HER database at one time, while another group of medical devices may share data to an aggregated HER for clinical research purposes; accordingly, one group of medical devices may be an IoT system, while the other group may not. Thus, the benefits of the present disclosure may be applied in a wide variety of systems, and while any such system may be considered an IoT system herein, in certain embodiments, a given system may not be considered an IoT system herein. A person of ordinary skill in the art with the benefit of the disclosure herein and knowledge of the contemplated system generally available to him or her can readily determine which aspects of the present disclosure will benefit a particular system, how to combine processes and systems from the present disclosure to enhance the operation of the contemplated system, and what circuits, controllers, and / or devices comprise the IoT system of the contemplated system.Particular considerations for one of ordinary skill in the art when determining whether a contemplated system is an IoT system and / or whether aspects of the present disclosure may benefit or enhance the contemplated system include, but are not limited to, the system's transmission environment (e.g., low power, availability of device-to-device networking), shared data storage for devices, establishment of geofences by devices, service as a blockchain node, asset, collateral, or entity monitoring capabilities, relaying data between devices, ability to aggregate data from multiple sensors or monitoring devices, and the like. While particular examples of IoT systems and considerations are described herein for illustrative purposes, any system that would benefit from the disclosure herein, and any considerations that would be understood by one of ordinary skill in the art having the benefit of the disclosure herein, are specifically contemplated within the scope of the present disclosure.

[0414] The term data collection service (and similar terms) as used herein should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, a data collection service includes any service that collects data or information, including any circuit, controller, device, or application that can store, transmit, transfer, share, process, organize, compare, report, and / or aggregate data. A data collection service may include and / or communicate with a data collection device (e.g., a sensor). A data collection service may monitor an entity, such as to identify data or information for collection. A data collection service may be event-driven, run periodically, or obtain data from an application at a specific point during the application's execution. A particular process may not be considered a data collection service individually, but may be considered a data collection service in an aggregated system—for example, a networked storage device may be a component of a data collection service in one example, but may have standalone functionality in another example. Thus, the benefits of the present disclosure may be applicable in a wide variety of process systems, and any such process or system may be considered a data collection service herein, although in certain embodiments, a given service may not be considered a data collection service herein. A person of ordinary skill in the art with the benefit of the disclosure herein and knowledge of the contemplated systems generally available to him or her will be able to readily determine which aspects of the present disclosure will benefit a particular system and how processes and systems from the present disclosure can be combined to implement a data collection service and / or enhance the operation of a contemplated system. Particular considerations for a person of ordinary skill in the art when determining whether a contemplated system is a data collection service and / or whether aspects of the present disclosure can benefit or enhance a contemplated system include, but are not limited to, the following:These include the ability to modify business rules on the fly and change data collection protocols, performing real-time monitoring of events, connecting devices for data collection to a monitoring infrastructure, executing computer-readable instructions that cause a processor to record or track events, using automated inspection systems, sales occurring at networked points of sale, needing data from one or more distributed sensors or cameras, and the like. While specific examples of data collection services and considerations are described herein for illustrative purposes, any system benefiting from the disclosure herein, and any considerations that would be understood by one of ordinary skill in the art having the benefit of the disclosure herein, are specifically contemplated within the scope of the present disclosure.

[0415] The term data integration service (and similar terms) as used herein should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, a data integration service includes any service that integrates data or information, including any device or application that may extract, transform, load, normalize, compress, decompress, encode, decode, and otherwise process data packets, signals, and other information. A data integration service may monitor entities to identify data or information for integration. A data integration service may integrate data regardless of the required frequency, communication protocol, or business rules required for complex integration patterns. Accordingly, the benefits of the present disclosure may be applied in a wide variety of process systems, and any such process or system may be considered a data integration service herein, while in certain embodiments, a given service may not be considered a data integration service herein. One of ordinary skill in the art with the benefit of the disclosure herein and knowledge of the contemplated systems typically available to him or her can readily determine which aspects of the present disclosure will benefit a particular system and how to combine processes and systems from the present disclosure to implement a data integration service and / or enhance the operation of the contemplated system. For those skilled in the art, particular considerations in determining whether a contemplated system is a data integration service and / or whether aspects of the present disclosure could benefit a contemplated system include, but are not limited to, the ability to modify business rules on the fly and change data integration protocols, communication with third-party databases to bring in data to be integrated, synchronization of data across disparate platforms, connection to a central data warehouse, data storage capacity, processing capacity, and / or communication capacity distributed across the system, connection of separate automated workflows, and the like. Specific examples of data integration services and considerations are described herein for illustrative purposes, but any system that would benefit from the disclosure herein, and any considerations that would be understood by one of skill in the art with the benefit of the disclosure herein, are specifically contemplated within the scope of the present disclosure.

[0416] The term "computational service" (and similar terms) as used herein should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, a computational service may be included as part of one or more services, platforms, or microservices, such as a blockchain service, a data collection service, a data integration service, an evaluation service, a smart contract service, a data monitoring service, data mining, and / or any service that facilitates the collection, access, processing, transformation, analysis, storage, visualization, or sharing of data. A particular process may not be considered a computational service. For example, a process may not be considered a computational service depending on the type of rules governing the service, the end product of the service, or the intent of the service. Thus, while the benefits of the present disclosure may be applicable in a wide variety of process systems, and any such process or system may be considered a computational service herein, in certain embodiments, a given service may not be considered a computational service herein. Those skilled in the art, with the benefit of the disclosure herein and knowledge of contemplated systems typically available to them, will be able to readily determine which aspects of the present disclosure will benefit a particular system and how to combine processes and systems from the present disclosure to implement one or more computational services and / or to enhance the operation of a contemplated system. Particular considerations for those skilled in the art when determining whether a contemplated system is a computational service and / or whether aspects of the present disclosure could benefit or enhance a contemplated system include, but are not limited to, achieving one or more of: agreement-based access to services; brokering exchanges between different services; providing on-demand computational power to web services; and monitoring, collecting, accessing, processing, transforming, analyzing, storing, integrating, visualizing, mining, or sharing data. Specific examples of computational services and considerations are described herein for illustrative purposes; however, any system that would benefit from the disclosure herein, and any consideration that would be understood by one skilled in the art with the benefit of the disclosure herein, is specifically contemplated within the scope of the present disclosure.

[0417] The term sensor as used herein should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, a sensor may be a device, module, machine, or subsystem that detects or measures a physical quality, event, or change. In embodiments, the sensor may record, indicate, transmit, or otherwise respond to the detection or measurement. Examples of sensors may be sensors for sensing the movement of an entity, sensors for sensing temperature, pressure, or other attributes related to the entity or its environment, cameras that capture still or moving images of an entity, and sensors that collect data related to collateral or assets, such as location, condition (health, physical, or other), quality, security, ownership, or the like. In embodiments, a sensor may be sensitive to the characteristic being measured but insensitive to or unaffected by other characteristics. A sensor may be analog or digital. A sensor may include a processor, a transmitter, a transceiver, a memory, power, sensing circuitry, an electrochemical fluid reservoir, a light source, etc. Further examples of sensors contemplated for use in the system include biosensors, chemical sensors, black silicon sensors, IR sensors, acoustic sensors, inductive sensors, motion sensors, optical sensors, opacity sensors, proximity sensors, inductive sensors, eddy current sensors, passive infrared proximity sensors, radar, capacitive sensors, capacitive displacement sensors, Hall effect sensors, magnetic sensors, GPS sensors, thermal imaging sensors, thermocouples, thermistors, photoelectric sensors, ultrasonic sensors, infrared laser sensors, inertial motion sensors, MEMS internal motion sensors, ultrasonic 3D motion sensors, accelerometers, inclinometers, force sensors, piezoelectric sensors, rotary encoders, linear encoders, ozone sensors, smoke sensors, heat sensors, magnetometers, carbon dioxide detectors, carbon monoxide detectors, oxygen sensors, glucose sensors, smoke sensors, metal detectors, rain sensors, altimeters, GPS, outdoor detection, context detection, activity detection, object detection (e.g., collateral), and marker detection. These include sensors such as collateral, marker detectors (such as geolocation markers), laser range finders, sonar, capacitance, optical response, heart rate sensors, or RF / micropower impulse radio (MIR) sensors.In certain embodiments, a sensor may be a virtual sensor—e.g., determining a parameter of interest as a calculation based on other sensed parameters in the system. In certain embodiments, a sensor may be a smart sensor—e.g., reporting a sensed value as an abstracted communication (e.g., as a network communication). In certain embodiments, a sensor may provide a sensed value directly (e.g., as a voltage level, frequency parameter, etc.) to a circuit, controller, or other device in the system. One of ordinary skill in the art with the benefit of the disclosure herein and knowledge of the contemplated systems typically available to him or her can readily determine which aspects of the present disclosure would benefit from a sensor. Particular considerations for one of ordinary skill in the art when determining whether a contemplated device is a sensor and / or whether aspects of the present disclosure could benefit from or be enhanced by a contemplated sensor include, but are not limited to, coordinating system activation / deactivation with environmental quality, converting electrical output to a measurement, the ability to enforce geofencing, automatic loan modifications in response to changes in collateral, and the like. While specific examples of sensors and considerations are described herein for illustrative purposes, any system benefiting from the disclosure herein, and any considerations that would be understood by one of ordinary skill in the art having the benefit of the disclosure herein, are specifically contemplated within the scope of the present disclosure.

[0418] The term "storage conditions" and similar terms used herein should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, storage conditions include the environment, physical location, environmental quality, exposure levels, security measures, maintenance instructions, accessibility instructions, and the like, related to the storage of assets, collateral, or entities specified and monitored in a contract, loan, or agreement, or in support of a contract, loan, or other agreement. Based on the storage condition of the collateral, asset, or entity, actions may be taken to maintain, improve, and / or confirm the condition of the asset or its use as collateral. Based on the storage condition, steps may be taken to modify the terms of a loan or bond. Storage conditions may be classified according to various rules, thresholds, conditional procedures, workflows, model parameters, etc., and may be based on self-reporting or on data from Internet of Things devices, data from a set of environmental condition sensors, a social network analysis service and a set of algorithms querying network domains, social media data, crowdsourced data, etc. Storage conditions may be tied to geographic locations associated with the collateral, issuer, borrower, distribution of funds, or other geographic locations. Examples of IoT data include images, sensor data, location information, etc. Examples of social media data or crowdsourced data may include the actions of parties to a loan, the financial status of parties, a party's compliance with the terms of a loan or bond, or the like. Parties to a loan may include the bond issuer, related entities, lenders, borrowers, and third parties with an interest in the debt. Storage conditions may relate to asset or collateral types such as municipal assets, vehicles, vessels, airplanes, buildings, homes, real estate, undeveloped land, farms, crops, municipal facilities, warehouses, inventory, commodities, securities, currency, securities, tickets, cryptocurrencies, consumables, food products, beverages, precious metals, jewelry, gemstones, intellectual property rights, contractual rights, antiques, fixtures, furniture, equipment, tools, machinery, and personal property. Storage conditions may include environments selected from among a municipal environment, a business environment, a securities trading environment, a real estate environment, a commercial facility, a warehouse facility, a transportation environment, a manufacturing environment, a storage environment, a home, and a vehicle.Actions based on the custody status of collateral, assets, or entities may include managing, reporting, modifying, syndicating, consolidating, terminating, maintaining, terms and / or amending, attaching assets, or otherwise disposing of loans, contracts, or agreements. Those skilled in the art, with the benefit of this disclosure and knowledge of the contemplated custody conditions, can readily determine which aspects of this disclosure will benefit a particular application of custody conditions. Specific considerations for those skilled in the art when selecting appropriate custody conditions to manage and / or monitor, or for embodiments of the present disclosure, include, but are not limited to, the legality of the conditions given the jurisdiction of the transaction, the available data for the given collateral, the expected type of transaction (loan, bond, or debt), the specific type of collateral, the loan-to-value ratio, the collateral-to-loan ratio, the total transaction / loan amount, the credit scores of the borrower and lender, usual industry practices, and other considerations. While specific examples of custody conditions are described herein for illustrative purposes, any embodiment benefiting from this disclosure, and any considerations understood by those skilled in the art with the benefit of this disclosure, are specifically contemplated within the scope of this disclosure.

[0419] The term geolocation and similar terms used herein should be understood broadly. Without limiting other aspects or descriptions of the present disclosure, geolocation includes identifying or estimating the real-world geographic location of an object, including generating a set of geographic coordinates (e.g., latitude and longitude) and / or an address. Based on the geolocation of a collateral, asset, or entity, action may be taken to maintain or improve the condition of the asset or its use as collateral. Based on the geolocation, steps may be taken to modify the terms of a loan or bond. Based on geolocation, decisions or predictions regarding transactions may be made based on, for example, weather, local civil unrest, and / or local disasters (e.g., earthquakes, floods, tornadoes, hurricanes, industrial accidents, etc.). Geolocation may be determined according to various rules, thresholds, conditional procedures, workflows, model parameters, etc., and may be based on self-reporting, data from Internet of Things devices, data from a set of environmental condition sensors, data from a social network analysis service and a set of algorithms for querying network domains, social media data, crowdsourcing data, etc. Examples of geolocation data may include GPS coordinates, images, sensor data, addresses, etc. Geolocation data may be quantitative (e.g., longitude / latitude, relative to a flat map, etc.) and / or qualitative (e.g., categories such as “coastal,” “rural,” etc., “within New York City,” etc.). Geolocation data may be absolute (e.g., GPS location) or relative (e.g., within 100 yards of an expected location). Examples of social media data or crowdsourced data may include the behavior of a party to a loan as inferred by geolocation, a party’s financial status as inferred by geolocation, a party’s compliance with the terms or provisions of a loan or bond, or the like. Geolocation may be determined for assets or types of collateral, such as municipal assets, vehicles, vessels, airplanes, buildings, homes, real estate, undeveloped land, farms, crops, municipal facilities, warehouses, inventory, merchandise, securities, etc.Currency, securities, tickets, consumables, food, beverages, precious metals, jewelry, gemstones, antiques, fixtures, furniture, equipment, tools, machinery, and personal items. Geolocation may be determined for entities such as one of the parties, a third party (e.g., an inspection service, maintenance service, cleaning service, etc. related to the transaction), or other entities related to the transaction. Geolocation may also include environments selected from among a municipal environment, a business environment, a securities trading environment, a real estate environment, a commercial facility, a warehouse facility, a transportation environment, a manufacturing environment, a storage environment, a home, and a vehicle. Actions based on the geolocation of collateral, assets, or entities may include managing, reporting, modifying, syndicating, consolidating, terminating, maintaining, modifying terms and / or amending, foreclosing on assets, or other dispositions of loans, contracts, or agreements. Those skilled in the art with the benefit of this disclosure and knowledge of the contemplated system can readily determine which aspects of the present disclosure benefit a particular application for geolocation and which aspects of an item's location constitute geolocation for the contemplated system. Specific considerations to one of ordinary skill in the art, or to embodiments of the present disclosure, when selecting an appropriate geolocation to manage include, but are not limited to, the legality of the geolocation given the jurisdiction of the transaction, the data available for the given collateral, the expected transaction type (loan, bond, or debt), the particular type of collateral, the loan-to-value ratio, the collateral-to-loan ratio, the total transaction / loan amount, the borrower's frequency of travel to the particular jurisdiction and other considerations, the mobility of the collateral, and / or the likelihood of location-specific events occurring related to the transaction (e.g., weather, location of relevant industrial facilities, availability of relevant services, etc.). While specific examples of geolocations are described herein for illustrative purposes, any embodiment benefiting from this disclosure, and any considerations understood by one of ordinary skill in the art having the benefit of this disclosure, are specifically contemplated within the scope of the present disclosure.

[0420] The term jurisdiction and similar terms as used herein should be understood broadly. Without being limited to other aspects or descriptions of the present disclosure, jurisdiction refers to the laws and legal authority that govern a loan entity. Jurisdiction may be based on the geographic location of the entity, the place of registration of the entity (e.g., the flag state of a vessel, the country of incorporation of a company, etc.), the country of grant of certain rights such as intellectual rights, etc. In certain embodiments, jurisdictional location may be one or more of the geolocations of entities within the system. In certain embodiments, jurisdictional location may not be the same as the geolocation of any entity within the system (e.g., if the contract specifies some other jurisdiction). In certain embodiments, jurisdictional location may differ for entities within the system (e.g., the borrower is in A, the lender is in B, the collateral is in C, the contract is enforced in D, etc.). In certain embodiments, jurisdictional location for a given entity may change during operation of the system (e.g., due to movement of collateral, related data, changes in terms, etc.). In certain embodiments, a given entity in the system may have more than one jurisdiction (e.g., due to the operation of relevant law and / or options available to one or more parties) and / or may have different jurisdictions for different purposes. The jurisdictional location of a collateral item, asset, or entity, or action may dictate certain terms or provisions of a loan or bond and / or may indicate different obligations regarding notice to parties, foreclosure and / or enforcement of default, handling of collateral and / or debt instruments, and handling of various data within the system. While specific examples of jurisdictional locations are described herein for illustrative purposes, any embodiment benefiting from the disclosure herein, and any considerations understood by those skilled in the art with the benefit of the disclosure herein, are specifically contemplated within the scope of the present disclosure.

[0421] As used herein in the context of increments of value, variations such as token of value, token, and cryptocurrency token may be used to represent, and may be broadly understood to represent, either (a) a unit of currency or cryptocurrency (e.g., a cryptocurrency token) and (b) a credential exchangeable for goods, services, data, or other valuable consideration (e.g., a token of value). Without limiting other aspects or descriptions of this disclosure, in the former case, tokens may also be used in conjunction with investment applications, token trading applications, and token-based marketplaces. In the latter case, tokens may be associated with rendering consideration such as the provision of goods, services, fees, access to restricted areas or events, data, or other valuable benefits. Tokens may be contingent (e.g., contingent access tokens) or non-contingent. For example, tokens of value can be exchanged for accommodations (e.g., hotel rooms), food / dining products and services, space (e.g., shared spaces, workspaces, convention spaces, etc.), fitness / wellness products or services, event tickets or admission to events, travel, flights or other transportation, digital content, virtual goods, license keys, or other valuable goods, services, data, or consideration. Various forms of tokens may be included when discussing consideration, collateral, or units of value, whether currency, cryptocurrency, or other forms of value such as goods, services, data, or other benefits. Those skilled in the art with the benefit of this disclosure and knowledge of tokens can readily determine the value symbolized or represented by a token, whether currency, cryptocurrency, goods, services, data, or other value. While specific examples of tokens are described herein for illustrative purposes, any embodiment benefiting from this disclosure, and any considerations understood by those skilled in the art with the benefit of this disclosure, are specifically contemplated within the scope of this disclosure.

[0422] The term pricing data, as used herein, may be broadly understood to describe an amount of information, such as the price or cost, of one or more items in a market. Without limiting other aspects or descriptions of the present disclosure, pricing data may also be used in conjunction with spot market prices, forward market prices, price discount information, promotional prices, and other information related to the cost or price of an item. Pricing data may satisfy one or more conditions or trigger the application of one or more rules of a smart contract. Pricing data may be used in combination with other forms of data, such as market value data, accounting data, access data, asset and facility data, labor data, event data, underwriting data, claims data, or other forms of data. Pricing data may be tailored to the context (e.g., condition, liquidity, location, etc.) of the item being valued and / or the context of a particular party. One of ordinary skill in the art with the benefit of this disclosure and knowledge of pricing data can readily determine the purpose and use of pricing data in the various embodiments and contexts disclosed herein.

[0423] Without limiting other aspects or descriptions of the present disclosure, a token includes, without limitation, any token of value, such as collateral, an asset, a reward, or the like, or a token that serves as a representation of value, such as a value-holding voucher redeemable for goods or services. Certain components may not be considered tokens individually, but may be considered tokens in an aggregated system—e.g., value placed on an asset may not itself be a token, but the asset's value may be placed in a token of value for storage, exchange, trading, etc. For example, in a non-limiting example, a blockchain circuit may be configured to provide lenders with a mechanism for storing the value of an asset, where the value attributed to the token is stored on the blockchain circuit's distributed ledger, but the value-assigned token itself can be exchanged or traded, such as through a token marketplace. In certain embodiments, a token may be considered a token for some purposes but not for other purposes—e.g., a token may be used as a representation of ownership of an asset, but this use of the token would not be traded as value, where a token containing the value of the asset might be. Thus, the benefits of the present disclosure may be applied in a wide variety of systems, and any such system may be considered a token herein, although in certain embodiments, a given system may not be considered a token herein. A person of ordinary skill in the art with the benefit of the disclosure herein and knowledge of the contemplated systems typically available to them will readily be able to determine which aspects of the present disclosure will benefit a particular system and / or how processes and systems from the present disclosure may be combined to enhance the operation of a contemplated system.For those skilled in the art, particular considerations in determining whether a contemplated system is a token and / or whether aspects of the present disclosure can benefit or enhance a contemplated system include, but are not limited to, access data such as related to access rights, tickets, and tokens, use in investment applications such as investing in stocks, equity, and tokens, token trading applications, token-based marketplaces, forms of consideration such as monetary compensation and tokens, conversion of the value of resources in tokens, indications of ownership such as cryptocurrency tokens, identity information, event information, and token information, blockchain-based access tokens traded in marketplace applications, pricing applications such as for setting and monitoring prices for associated access rights, underlying access rights, tokens, and fees, trading applications for trading or exchanging associated access rights or underlying access rights or tokens, tokens (e.g., tickets) created and stored on a blockchain for associated access rights that carry ownership rights, etc.

[0424] The term financial data, as used herein, may be broadly understood to refer to a collection of financial information regarding assets, collateral, or other items. Financial data may include revenues, expenses, assets, liabilities, capital, bond ratings, defaults, return on assets (ROA), return on investment (ROI), past performance, expected future performance, earnings per share (EPS), internal rate of return (IRR), earnings announcements, ratios, statistical analyses of any of the foregoing (e.g., moving averages), and the like. Without limiting other aspects or descriptions of the present disclosure, financial data may also be used in conjunction with pricing data and market value data. Financial data may satisfy one or more conditions or trigger the application of one or more rules of a smart contract. Financial data may be used in combination with other forms of data, such as market value data, pricing data, accounting data, access data, asset and facility data, labor data, event data, underwriting data, claims data, or other forms of data. Those skilled in the art with the benefit of this disclosure and knowledge of financial data can readily determine the purpose and use of pricing data in the various embodiments and contexts disclosed herein.

[0425] The term covenant, as used herein, may be broadly understood to represent a condition, agreement, or promise, such as the performance of an act or omission. For example, a covenant may relate to a party's conduct or legal status. Without being limited to other aspects or explanations of this disclosure, covenant may also be used in combination with other terms related to contracts or loans, such as representation, warranty, indemnity, outstanding debt, fixed interest rate, variable interest rate, payment amount, payment schedule, and payment terms. Examples of terms include payment amount, payment schedule, balloon payment schedule, collateral designation, collateral fungibility designation, parties, guarantee, guarantor, security, personal guarantee, lien, term, foreclosure condition, default condition, and default consequence. A breach of a covenant or a commitment may satisfy one or more conditions or trigger a recovery, breach, or other condition. In certain embodiments, a smart contract may calculate whether a covenant has been satisfied and, if the covenant has not been satisfied, enable automated action or trigger other conditions or clauses. Those skilled in the art with the benefit of this disclosure and knowledge of the covenants can readily determine the purpose and use of the covenants in the various embodiments and contexts disclosed herein.

[0426] The term entity, as used herein, may be broadly understood to refer to an identifiable related object, such as a party, a third party (e.g., an auditor, a regulator, a service provider, etc.), and / or a collateral item related to a transaction. Exemplary entities include individuals, partnerships, corporations, limited liability companies, or other legal organizations. Other exemplary entities include identifiable items of collateral, offsetting collateral, potential collateral, etc. For example, an entity may be a given party, such as an individual, to a contract or loan. Data or other terms herein may be characterized as having a context related to the entity, such as entity-oriented data. An entity may be characterized as having a particular context or application, such as, but not limited to, a human entity, a physical entity, a transaction entity, or a financial entity. An entity may have an agent representing or acting on behalf of the entity. Without being limited to other aspects or descriptions of the present disclosure, an entity may also be used in conjunction with other related entities or terms of a contract or loan: for example, representations, warranties, indemnities, agreements, debt balances, fixed interest rates, floating interest rates, payment amounts, payment schedules, payment schedules, payment schedules, etc. The attributes of an entity may include, but are not limited to, a payment amount, a payment schedule, a balloon payment schedule, a collateral designation, a collateral fungibility designation, parties, guarantees, sureties, collateral, personal guarantees, liens, terms, foreclosure conditions, default conditions, and default consequences. An entity may have a set of attributes such as, but not limited to, a published valuation, a set of property owned by the entity as shown by public records, a valuation of a set of property owned by the entity, bankruptcy status, foreclosure status, contractual default status, regulatory violation status, criminal status, export control status, embargo status, tariff status, export control status, embargo status, tariff status, tax status, credit report, credit rating, website rating, a set of customer reviews for the entity's products, social network rating, a set of credentials, a set of referrals, a set of testimonials, a set of behaviors, location, and geolocation.In certain embodiments, a smart contract may calculate whether an entity has met a condition or covenant, and may enable automated actions or trigger other conditions or clauses if the entity has not met such condition or covenant. One of ordinary skill in the art with the benefit of this disclosure and knowledge of entities can readily determine the purpose and use of entities in the various embodiments and contexts disclosed herein.

[0427] The term party, as used herein, may be broadly understood to refer to a member of an agreement, such as an individual, partnership, corporation, limited liability company, or other legal entity. For example, a party may be a primary lender, secondary lender, lending syndicate, corporate lender, government lender, bank lender, secured lender, bond issuer, bond purchaser, unsecured lender, guarantor, collateral provider, borrower, debtor, underwriter, examiner, appraiser, auditor, valuation expert, government official, accountant, or any other entity with rights or obligations to a contract, transaction, or loan. A party may be characterized in different terms, such as, but not limited to, a multi-party transaction, in which multiple parties are involved in a transaction. A party may represent itself or have a representative acting on its behalf. In certain embodiments, the term party may refer to a potential or prospective party—e.g., a willing lender or borrower interacting with the system, but who may not yet be committed to an actual agreement during their interaction with the system. Without limiting other aspects or descriptions of this disclosure, a party may also be used in combination with other related parties or terms of a contract or loan (e.g., representations, warranties, indemnities, agreements, outstanding debt, fixed interest rates, variable interest rates, etc.), payment amounts, payment schedules, balloon payment schedules, collateral designations, collateral fungibility designations, entity, guarantees, guarantors, collateral, personal guarantees, liens, terms, foreclosure conditions, default conditions, and default consequences), etc. A party may have a set of attributes, such as, but not limited to, identity, creditworthiness, activity, behavior, business practices, contract performance status, information regarding accounts receivable, information regarding accounts payable, information regarding the value of collateral, and other types of information. In certain embodiments, a smart contract may calculate whether a party has met a condition or covenant and may enable automated action or trigger other conditions or clauses if a party has not met such condition or covenant. One skilled in the art with the benefit of this disclosure and knowledge of the parties can readily determine the purpose and use of parties in the various embodiments and contexts disclosed herein.

[0428] As used herein, the terms party attributes, entity attributes, or party / entity attributes may be broadly understood to describe the value, characteristics, or status of a party or entity. For example, party or entity attributes may include, but are not limited to, value, quality, location, net worth, price, physical condition, health, security, safety, ownership, identity, creditworthiness, activity, behavior, business practices, contract performance, information regarding receivables, information regarding payables, information regarding collateral value, and other types of information. In certain embodiments, a smart contract may calculate a value, status, or condition associated with a party or entity attribute and may enable automated action or trigger other conditions or clauses if the party or entity does not meet such conditions or clauses. One of ordinary skill in the art with the benefit of this disclosure and knowledge of party or entity attributes can readily determine the purpose and use of these attributes in the various embodiments and contexts disclosed herein.

[0429] The term "lender," as used herein, is broadly understood to refer to a party to an agreement that provides assets for lending or loan proceeds, and may include an individual, partnership, corporation, limited liability company, or other legal entity. For example, without limitation, a lender may be a primary lender, secondary lender, lending syndicate, corporate lender, government lender, bank lender, secured lender, unsecured lender, or any other party with rights or obligations in an agreement, transaction, or loan that provides financing to a borrower. A lender may have an agent acting on its behalf. Without being limited to other aspects or explanations of this disclosure, party may also be used in combination with other related party or contract or loan terms, such as borrower, guarantor, representation, warranty, indemnity, agreement, outstanding debt, fixed interest rate, variable interest rate, payment amount, etc.; collateral designation, collateral fungibility designation, security, personal guarantee, lien, term, foreclosure condition, default condition, and default consequence, etc. In certain embodiments, the smart contract may calculate whether a lender has met a condition or covenant, and may enable automated actions, notifications, or alerts, or trigger other conditions or clauses, if the lender has not met such condition or covenant. One of ordinary skill in the art with the benefit of this disclosure and knowledge of lenders can readily determine the purpose and use of lenders in the various embodiments and contexts disclosed herein.

[0430] The term "crowdsourcing service" as used herein may broadly refer to a service offered or rendered in connection with a crowdsourcing model or transaction, in which a large number of people or entities provide contributions to fulfill a need, such as a loan. The crowdsourcing service may be provided by, without limitation, a platform or system. A crowdsourcing request may be transmitted to a group of information providers, whereby responses to the request may be collected and processed to provide a reward to at least one successful information provider. The request and parameters may be configured to obtain information related to the status of a set of collateral for the loan. The crowdsourcing request may be made public. In certain embodiments, without limitation, the crowdsourcing service may be implemented by a smart contract, where the smart contract processes responses to the crowdsourcing request and automatically assigns a reward to information that meets the set of parameters configured for the crowdsourcing request. Those skilled in the art with the benefit of this disclosure and knowledge of crowdsourcing services can readily determine the purpose and use of crowdsourcing services in the various embodiments and contexts disclosed herein.

[0431] The term publishing services, as used herein, may be understood to describe a set of services for publishing crowdsourcing requests. Publishing services may be provided by, but are not limited to, a platform or system. In certain embodiments, but are not limited to, publishing services may be performed by a smart contract, whereby crowdsourcing requests are published or publishing is initiated by a smart contract. One of ordinary skill in the art with the benefit of this disclosure and knowledge of publishing services can readily determine the purpose and use of publishing services in the various embodiments and contexts disclosed herein.

[0432] The term interface, as used herein, is understood broadly to describe components, such as computer components, through which interaction or communication is achieved, and may be embodied in software, hardware, or a combination thereof. For example, an interface may serve many different purposes or be configured for different applications or contexts, such as, but not limited to, an application programming interface, a graphic user interface, a user interface, a software interface, a marketplace interface, a demand aggregation interface, a crowdsourcing interface, a secure access control interface, a network interface, a data integration interface, or a cloud computing interface, or a combination thereof. An interface may function as a method of inputting, receiving, or displaying data within, but not limited to, lending, refinancing, collections, consolidation, factoring, brokerage, or foreclosure. An interface may also function as an interface for other interfaces. Without limiting other aspects or descriptions of the present disclosure, an interface may be used with or as part of an application, process, module, service, layer, device, component, machine, product, subsystem, interface, connection, or system. In certain embodiments, an interface may be embodied in software, hardware, or a combination thereof and may be stored on a medium or memory. Those skilled in the art, having the benefit of this disclosure and knowledge of interfaces, will be able to readily determine the purpose and use of interfaces in the various embodiments and contexts disclosed herein.

[0433] The term graphical user interface, as used herein, may be understood as a type of interface that allows a user to interact with a system, computer, or other interface, in which interaction or communication is achieved through a graphical device or representation. A graphical user interface may be a component of a computer and may be embodied in computer-readable instructions, hardware, or a combination thereof. A graphical user interface can serve many different purposes or be configured for different uses or contexts. Such interfaces may serve, but are not limited to, as a way to receive or display data using visual representations, stimuli, or interactive data. A graphical user interface may serve as an interface for another graphical user interface or other interface. Without limiting other aspects or descriptions of the present disclosure, a graphical user interface may be used in conjunction with an application, process, module, service, layer, device, component, machine, product, subsystem, interface, connection, or part of a system. In certain embodiments, a graphical user interface may be embodied in computer-readable instructions, hardware, or a combination thereof, and may be stored on a medium or memory. A graphical user interface may be configured for any input type, including a keyboard, mouse, touchscreen, etc. The graphical user interface may be configured for any desired user interaction environment, including, for example, a dedicated application, a web page interface, or a combination thereof. One of ordinary skill in the art with the benefit of this disclosure and knowledge of graphical user interfaces can readily determine the purpose and use of the graphical user interface in the various embodiments and contexts disclosed herein.

[0434] The term "user interface," as used herein, can be understood as a type of interface that allows a user to interact with a system, computer, or other device, where interaction or communication is achieved through a graphical device or representation. A user interface may be a component of a computer and may be embodied in software, hardware, or a combination thereof. A user interface may be stored on a medium or in memory. A user interface may include drop-down menus, tables, forms, etc. with default, templated, recommended, or pre-set conditions. In certain embodiments, a user interface may include voice interaction. Without limiting other aspects or descriptions of the present disclosure, a user interface may be used in combination with an application, circuit, controller, process, module, service, layer, device, component, machine, product, subsystem, interface, connection, or part of a system. A user interface may serve many different purposes or be configured for different applications or contexts. For example, a lender-side user interface may include functionality for displaying multiple customer profiles but may be limited in the ability to make certain changes. A borrower-side user interface may include functionality for viewing user account details and making changes. A third-party neutral side interface (e.g., a third party that has no interest in the underlying transaction, such as a regulator, auditor, etc.) may have the ability to allow company oversight and viewing of anonymized user data without the ability to manipulate the data, and may have scheduled access depending on the third party and the purpose of the access; a third-party neutral side interface (e.g., a third party that has no interest in the underlying transaction, such as an auditor) may have the ability to manipulate the data, and may have scheduled access depending on the purpose for the third party's access, and the third-party neutral side interface (e.g., an auditor, etc.) does not have the ability to manipulate the data.Third-party stakeholder interfaces (e.g., collectors, debtor advocates, investigators, part-owners, and other third parties that may have an interest in the underlying transaction) may include functionality that allows for the display of certain user data with limitations on making changes. Many more features of these user interfaces may be utilized to implement embodiments of the systems and / or procedures described throughout this disclosure. Accordingly, the benefits of the present disclosure may be applied in a wide variety of processes and systems, and any such process or system may be considered a service herein. Those skilled in the art with the benefit of the disclosure and knowledge of user interfaces can readily determine the purpose and use of the user interface in the various embodiments and contexts disclosed herein. For those skilled in the art, specific considerations in determining whether a contemplated interface is a user interface and / or whether aspects of the present disclosure can benefit or enhance a contemplated system include, but are not limited to, configurable views, the ability to limit operations or views, reporting capabilities, the ability to manipulate user profiles and data, implementing regulatory requirements, providing desired user characteristics to borrowers, lenders, and third parties, etc.

[0435] The terms "interface" and "dashboard" used herein may also be broadly understood to describe components through which interaction or communication is achieved, such as computer components that may be embodied in software, hardware, or a combination thereof. The interfaces and dashboards may acquire, receive, present, or otherwise manage items, services, offerings, or other aspects of a transaction or financing. For example, the interfaces and dashboards may serve many different pu...

Claims

1. 〔Cryptocurrency in a Gaming Engine Smart Contract System〕 A gaming engine smart contract system comprising: A gaming engine programmed with an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine-generated environments; A smart contract system programmed in the execution framework with smart contract services related to transactions based on electronically verifiable conditions, and a cryptocurrency system programmed with a blockchain distributed ledger service that enables cryptocurrency transactions in relation to the gaming engine and the smart contract system. A gaming engine smart contract system characterized by including the above.

2. The gaming engine smart contract system according to Claim 1, wherein the blockchain distributed ledger service facilitates the management of cryptocurrency.

3. The gaming engine smart contract system according to Claim 1, wherein the blockchain distributed ledger service facilitates digital tokens.

4. The gaming engine smart contract system according to Claim 1, wherein the blockchain distributed ledger service facilitates the transfer of digital tokens.

5. 〔Digital Wallet in a Gaming Engine Smart Contract System〕 A gaming engine smart contract system comprising: A gaming engine programmed with an execution framework, a software development environment, and a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine-generated environments; A smart contract system programmed in the execution framework with smart contract services related to transactions based on electronically verifiable conditions; A smart digital wallet programmed with a digital wallet service for managing fund custody. A gaming engine smart contract system characterized by including the above.

6. The gaming engine smart contract system according to claim 5, wherein the digital wallet service includes a security function for users of the gaming engine smart contract system.

7. The gaming engine smart contract system according to claim 5, wherein the digital wallet service includes a recovery service for users of the gaming engine smart contract system.

8. The gaming engine smart contract system according to claim 5, wherein the digital wallet service includes the purchase of digital tokens and the sale of digital tokens.

9. The gaming engine smart contract system according to claim 8, wherein the digital wallet service includes a token exchange service.

10. The gaming engine smart contract system according to claim 5, wherein the digital wallet service includes storing funds.

11. The gaming engine smart contract system according to claim 5, wherein the digital wallet service includes searching.

12. The gaming engine smart contract system according to claim 5, wherein the digital wallet service includes enabling single approval of shared funds.

13. The gaming engine smart contract system according to claim 12, wherein the digital wallet service includes enabling multi-signature approval of the shared funds.

14. 〔Distributed ledger in gaming engine smart contract system〕 A gaming engine smart contract system, a gaming engine programmed with an execution framework, a software development environment, and an architecture that provides a set of gaming engine services with predefined tools for digital content developers to create a set of game engine-generated environments, a smart contract system programmed with a smart contract service related to a transaction based on electronically verifiable conditions in the execution framework. A gaming engine smart contract system, comprising: a distributed ledger system programmed with a distributed ledger service for recording the transactions related to the smart contract system during the execution of the smart contract.

15. The gaming engine smart contract system according to claim 14, wherein the distributed ledger service includes a blockchain service that enables secure and immutable transactions and records without a third party.

16. The gaming engine smart contract system according to claim 14, wherein the distributed ledger service interacts with the gaming engine and the smart contract system to manage the conditions of the smart contract and smart contract data.

17. The gaming engine smart contract system according to claim 14, wherein the distributed ledger system is a centrally located distributed ledger.

18. The gaming engine smart contract system according to claim 14, wherein the distributed ledger system is a cloud-based distributed ledger.

19. The gaming engine smart contract system according to claim 14, wherein the distributed ledger system is a combination of a centrally located distributed ledger and a cloud-based distributed ledger.

20. The gaming engine smart contract system according to claim 14, wherein the distributed ledger system is a public distributed ledger.

21. The gaming engine smart contract system according to claim 14, wherein the distributed ledger system is a private distributed ledger.

22. 〔Digital Wallet and Verification by Gaming Engine Smart Contract System〕 A gaming engine smart contract system, comprising: a gaming engine programmed with an execution framework, a software development environment, and an architecture that provides a set of gaming engine services with predefined tools for a digital content developer to create a set of environments generated by the game engine; The smart contract system programmed with the execution framework, a smart contract service related to a transaction based on electronically verifiable conditions, and a verification module configured to cooperate with the gaming engine to generate a performance verification indicating that the parties to the smart contract have fulfilled the obligations of the smart contract. A smart digital wallet programmed with a digital wallet service for managing the custody of funds based on the performance verification, characterized by including a gaming engine smart contract system.

23. 〔Cryptocurrency and Verification by Gaming Engine Smart Contract System〕 A gaming engine smart contract system, A gaming engine programmed with an execution framework, a software development environment, and an architecture providing a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine-generated environments. The smart contract system programmed with a smart contract service related to a transaction based on electronically verifiable conditions in the execution framework. A cryptocurrency system programmed with a blockchain distributed ledger service enabling cryptocurrency transactions in relation to the gaming engine and the smart contract system. A gaming engine smart contract system characterized by including a verification system configured to cooperate with the gaming engine and the smart contract system to verify that the parties to the smart contract have fulfilled the obligations of the smart contract based on the cryptocurrency transaction.

24. 〔Simulation and Distributed Ledger by Gaming Engine Smart Contract System〕 A gaming engine smart contract system, A gaming engine programmed with an execution framework, a software development environment, and an architecture providing a set of gaming engine services with predefined tools for a digital content developer to create a set of game engine-generated environments. A smart contract system programmed with a smart contract service related to a transaction based on electronically verifiable conditions in the execution framework, and A distributed ledger system programmed with a distributed ledger service that records the transaction related to the smart contract system during the execution of the smart contract, and A simulation system configured to perform a simulation in relation to at least one of smart contract input, smart contract setting, or smart contract execution related to the smart contract system based on the transaction. A gaming engine smart contract system characterized by including the same.

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