Methods and systems for accessing transaction settlements and smart contracts using guarantee tokens

Abstract

This provides a method and system for accessing transaction settlements and smart contracts using guarantee tokens. [Solution] The method receives a transaction request from a financial institution that includes the receiving party's digital address, a digital token, the sending party's address, asset network identifiers, and asset identifiers; generates a guarantee token for the digital token; generates and sends an asset request transaction that includes the guarantee token, the receiving party's digital address, the sending party's digital address, and asset identifiers; receives an asset transaction from the asset network that includes the asset, the receiving party's digital address, and the sending party's digital address; generates an asset transfer transaction that includes the receiving party's digital address, the sending party's digital address, and asset identifiers; and sends the asset transaction to the receiving party's digital address.

Description

Technical Field

[0001] The present disclosure relates to transaction settlement and access to smart contracts using a guarantee token or a combination of a guarantee token and a payment status token. In particular, the present disclosure relates to digital token transactions for assets secured by one or more smart contracts.

[0002] Cross - Reference to Related Applications This application claims the benefit of U.S. Provisional Patent Application No. 63 / 330,432, filed on April 13, 2022, and U.S. Provisional Patent Application No. 63 / 424,242, filed on November 10, 2022, the entire contents of which are incorporated by reference for all purposes.

Background Art

[0003] The cryptocurrency market has shown a spectacular growth, with a total market capitalization exceeding $1.5 trillion. To date, the market has mainly benefited cryptocurrency insiders and has not contributed much to mainstream applications. Stablecoins, which have been mainly used to enter and exit cryptocurrency trading positions, are beginning to penetrate mainstream applications such as remittances, supplier B2B payments, and commercial payments. However, stablecoins still have several drawbacks in terms of opaque regulatory regimes, fraud, and unpredictable costs. At the same time, central banks are considering central bank digital currencies (CBDCs), which could provide a digital version of fiat currency to citizens. However, the progress towards CBDCs is thought to follow different paths for each country. It took years to deploy in a live environment, and ultimately the potential functionality of stablecoins We may not be able to provide everything. While the current solution has its challenges, Blockch Chain-based payments can offer several advantages, including, for example: Clarity (for example, participants can view the status and details of the transaction) (Capability), immutability (for example, a transaction cannot be altered or deleted by another entity) (Ensuring that this does not happen), high speed (for example, (especially cross-border) transactions) (Potential to achieve faster handling of) cost efficiency (for example, regarding cross-border capital movements) (to reduce manual tasks and streamline costs), and programmable (For example, a digital native payment token can execute a payment when a condition is met.) (This allows for the creation of innovative use cases.)

[0004] Currently, much of the progress in cryptocurrency technology is driven by decentralization against centralized systems. We are focusing on the opportunities presented by the embodied uses and services. On the other hand, regulatory requirements To meet demands and expectations and provide consumer protection while maintaining the stability of the current financial system. Innovation focused on creating a flexible financial infrastructure is gaining traction in the cryptocurrency market. This has not been done much. Therefore, it is accompanied by volatility in the related value. Digital in a manner that retains the security features and other advantages of the cryptocurrency system Novel regulated payment services that enable the use of cryptocurrencies (e.g., cryptocurrencies) A solution is needed. [Overview of the Initiative]

[0005] Disclosure of methods for accessing transaction settlements and smart contracts using guarantee tokens. The method includes the following steps: the receiving device of the processing server receives the first financial institution The step of receiving a transaction request from, the transaction request is received The party's digital address and the receiving party's digital address by the first financial institution Digital tokens issued to S, the sending party's address, and asset network A step comprising at least the identification details of the asset and the identification details of the asset; and the processing server The generation module generates a guarantee token for the digital token. The guarantee token is the digital token issued by the first financial institution. - A tokenized guarantee of the step; the generation module of the processing server The step of generating an asset request transaction by means of the asset request The requesting transaction includes the guarantee token, the receiving party's digital address, and the sending A step comprising at least the digital address of the believer and the identifying information of the asset. The sending device of the processing server transmits the asset request transaction to the asset The steps of sending to the network; and the receiving device of the processing server, A step of receiving an asset transaction from the asset network, A set transaction includes the asset, the receiving party's digital address, and the sending A step comprising at least the digital address of the believer and the generation of the processing server The module was in the step of generating an asset transfer transaction. The asset transfer transaction then uses the digital address of the receiving party and the previous Steps including at least the digital address of the transmitting party and the identifying information of the asset The recipient of the asset transfer transaction is the sender of the processing server. The step of sending to the person's digital address.

[0006] System for transaction settlement and access to smart contracts using guarantee tokens The system is disclosed. The system receives transaction requests from the first financial institution. , a receiving device of the processing server, the transaction request is received by the digital address of the receiving party S and issued by the first financial institution to the recipient party's digital address Digital token, sender's digital address, and asset network identification. A receiving device including at least asset identification information; and for the digital token A generation module for the processing server that generates a guarantee token, the guarantee token The tokenized guarantee of the digital token issued by the first financial institution. The generation module is a processing server that receives asset requests A transaction is generated, and the asset request transaction is the guaranteed -kun, the digital address of the receiving party, the digital address of the transmitting party, A generation module including at least the identification details of the asset; and the asset request transaction. Includes a transmitting device of the processing server that transmits the transaction to the asset network. The receiving device of the processing server receives the asset from the asset network. The transaction is received, and the asset transaction is the asset and the receiving including at least the recipient digital address and the sender digital address; the generation module of the processing server generates an asset transfer transaction, wherein the asset transfer transaction includes at least the recipient digital address, the sender digital address, and the identification details of the asset; the transmission device of the processing server transmits the asset transfer transaction to the recipient digital address.

[0007] A method for transaction settlement using a guarantee token and a payment status token is disclosed. The method includes the following steps: receiving, by a receiving device of a processing server, a transaction request from a first financial institution, the transaction request including at least a recipient digital address, a digital token issued by the first financial institution for the recipient digital address, a sender address, identification details of an asset network, and identification details of an asset; generating, by the generation module of the processing server, a guarantee token for the digital token, the guarantee token being a tokenized guarantee of the digital token issued by the first financial institution; generating, by the generation module of the processing server, a payment status token, the payment status token being a tokenized payment approval message for an asset associated with the identification details of the asset; generating, by the generation module of the processing server, an asset transfer transaction, the asset transfer transaction including at least the recipient digital address, A step of generating an asset request transaction, the asset request transaction The payment status token, the receiving party's digital address, and the sending party's digital address A step comprising at least the asset address and the identification of the asset; and the processing server The transmission device transmits the asset request transaction to the asset network. The steps include sending the guarantee token to the processing server's transmitting device and the guarantee token being sent to the processing server. The steps include sending to a second financial institution associated with the aforementioned sending party address; The receiving device of the processing server receives asset transactions from the asset network. A step of receiving a transaction, wherein the asset transaction is with the asset and , the digital address of the receiving party and the digital address of the sending party are at least Including, steps and; asset transfer by the generation module of the processing server A step of generating a transaction, wherein the asset transfer transaction The combination includes the digital address of the receiving party, the digital address of the transmitting party, and the A A step including at least the identification of the set; and the transmitting device of the processing server The asset transaction is then sent to the recipient's digital address. Step.

[0008] A system for transaction settlement using guarantee tokens and payment status tokens has been disclosed. The system receives a transaction request from a first financial institution; the processing server A receiving device wherein the transaction request includes the digital address of the receiving party and the aforementioned A digital token issued by one financial institution to the recipient party's digital address The sender's digital address, the asset network identification, and the asset A receiving device comprising at least the identification details of the digital token and a guarantee talk for the digital token. A generation module of the processing server that generates a token, wherein the guarantee token is the first The tokenized guarantee of the aforementioned digital token issued by a financial institution, generation A module, wherein the generation module of the processing server generates a payment status token. The payment status token is associated with the identification of the asset. A tokenized payment authorization message for payment regarding the transaction, in front of the processing server. The record generation module generates asset request transactions, and the asset request The requesting transaction includes the payment status token, the receiving party's digital address, and A generated model including at least the digital address of the transmitting party and the identifying information of the asset. Joules and; send the asset request transaction to the asset network. and the transmitting device of the processing server; the transmitting device of the processing server is the guarantee Send the -kun to the second financial institution associated with the aforementioned sending party address; The receiving device of the processing server receives asset transactions from the asset network. The asset transaction is received by the asset and the receiving party. Including at least the digital address and the digital address of the transmitting party; the processing The aforementioned generation module of the server generates asset transfer transactions. The asset transfer transaction is the digital address of the receiving party, The digital address of the transmitting party and the identifying information of the asset are included at least; The transmitting device of the processing server transmits the asset transaction to the receiving party digitally. Send to the address. [Brief explanation of the drawing]

[0009] The scope of this disclosure, as interpreted in conjunction with the accompanying drawings, includes the following regarding exemplary embodiments. It is best understood from the detailed description. The drawings include the following:

[0010] [Figure 1] This block diagram shows an exemplary embodiment of a high-level system architecture for transaction settlement and smart contract access using guarantee tokens. [Figure 2] This block diagram shows a processing server for the system in Figure 1 for transaction settlement and smart contract access using guarantee tokens, according to an exemplary embodiment. [Figure 3A] This flowchart illustrates the process for transaction settlement and access to smart contracts using guarantee tokens, as performed by the processing server in Figure 2 within the system in Figure 1, according to an exemplary embodiment. [Figure 3B] This flowchart illustrates the process for transaction settlement and access to smart contracts using guarantee tokens, as performed by the processing server in Figure 2 within the system in Figure 1, according to an exemplary embodiment. [Figure 3C] This flowchart illustrates the process for transaction settlement and access to smart contracts using guarantee tokens, as performed by the processing server in Figure 2 within the system in Figure 1, according to an exemplary embodiment. [Figure 3D] This flowchart illustrates the process for transaction settlement and access to smart contracts using guarantee tokens, as performed by the processing server in Figure 2 within the system in Figure 1, according to an exemplary embodiment. [Figure 3E]This flowchart illustrates the process for transaction settlement and access to smart contracts using guarantee tokens, as performed by the processing server in Figure 2 within the system in Figure 1, according to an exemplary embodiment. [Figure 4A] This flowchart illustrates an exemplary method for transaction settlement and access to smart contracts using guarantee tokens, according to an exemplary embodiment. [Figure 4B] This flowchart illustrates an exemplary method for transaction settlement and access to smart contracts using guarantee tokens, according to an exemplary embodiment. [Figure 5A] This flowchart illustrates the processing for transaction settlement and access to smart contracts using guarantee tokens and payment status tokens, performed by the processing server in Figure 2 within the system in Figure 1, according to an exemplary embodiment. [Figure 5B] This flowchart illustrates the processing for transaction settlement and access to smart contracts using guarantee tokens and payment status tokens, performed by the processing server in Figure 2 within the system in Figure 1, according to an exemplary embodiment. [Figure 6A] This flowchart illustrates an exemplary method for transaction settlement and access to smart contracts using guarantee tokens and payment status tokens, according to an exemplary embodiment. [Figure 6B] This flowchart illustrates an exemplary method for transaction settlement and access to smart contracts using guarantee tokens and payment status tokens, according to an exemplary embodiment. [Figure 7] This block shows a computer system architecture according to an exemplary embodiment.

[0011] Further application areas of this disclosure will be apparent from the detailed description below. Details of exemplary embodiments These descriptions are for illustrative purposes only and are not necessarily intended to limit the scope of this disclosure. I haven't done that. [Modes for carrying out the invention]

[0012] Glossary Blockchain: Public access to all transactions of a currency based on blockchain. It is a public ledger. One or more computing devices are blockchains. This may include a network, which is part of a block in a blockchain. It may be configured to process and record transactions. Once a block is complete, The block is added to the blockchain, thereby updating the transaction record. In many embodiments, the blockchain is a ledger of transactions in chronological order. It is acceptable to have it, and to present it in any other order suitable for use by blockchain networks. In some embodiments, transactions recorded on the blockchain The entry may include the destination address and the amount of currency. This allows the blockchain to determine how much Records whether the currency belongs to a specific address. In some embodiments, the transaction The information may or may not be related to finance, and it may also be additional or different information (for example, It may include a block address, timestamp, etc. In some embodiments, The chain can contain, in addition or alternatively, almost any type of data (this does not involve tampering or revision). A distributed database that maintains a continuously growing list of data records, enhanced against (Items that are placed or need to be placed) are in the form of a transaction. It may include. Or blockchain is Proof of Work (PoW) and / or By any other appropriate verification technique associated with it, the blockchain network Therefore, it can be verified and activated. In some cases, for a given transaction Furthermore, the data includes the direct transaction data attached to the transaction data. It can include additional data that is not part of the section. In some examples, such data is blocked. Including it in a chain allows you to constitute a transaction. In some such examples, Blockchain is a type of digital currency, cryptocurrency, fiat currency, or other type of currency. It does not need to be directly linked to the currency.

[0013] System for transaction settlement and smart contract access using guarantee tokens Figure 1 shows an exemplary embodiment of transaction settlement and smart payment using a guarantee token. An exemplary system 100 for accessing contracts is shown.

[0014] System 100 includes a receiving computing device 102 and a first financial institution 104. Processing server 106, second financial institution 108, transmission computing device 110, Includes asset network 114.

[0015] The receiving computing device 102 is associated with a user in the system 100. This is a computing device. In this embodiment, the receiving computing device 102 The user is a customer of the first financial institution 104 (for example, trading at the first financial institution 104). (Having a transaction account). For example, a user of receiving computing device 102 For example, to trade deposit tokens issued by the first financial institution 104. It has a digital address such as a digital wallet. Furthermore, it receives computing data. The device 102 operates on the asset network 114. For example, the receiving computer Users of the lighting device 102 have an account in the asset network 114. They may be or may have access to the network, and one or more You can purchase assets (for example, non-fungible tokens or "NFTs") (Purchased from the marketplace). The receiving computing device 102 is involved. The transaction will be described in detail below; please refer to Figures 3A to 3B. Computing device 102 is a desktop computer, notebook computer, laptop computer Top computers, tablet computers, handheld devices, smartphones, etc. A thin client, or any other electronic device or computing system This involves storing, compiling, and organizing audio, visual, or text data, and also such It can be said that data is received from / sent to other computing devices. For example, a first financial institution 104, a processing server 106, a transmission computing device 1 10, and / or one or more nodes of the asset network 114 may be included. For example. If so, the receiving computing device 102 is specially configured to perform the functions described. It can be any type of electronic device or computing system, as shown in Figure 7. This may be a computer system 700, etc. A single receiving computing device 10 Although only diagram 2 is shown, system 100 can receive any number of computers. Please note that this may include the 102 device.

[0016] The first financial institution 104 is a financial institution such as an issuing bank or any other entity. to fund electronic payment transactions using fiat currency or digital tokens It is said to be configured to issue a transaction account suitable for doing so. Financial institutions 104 are central bank digital currencies (CBDCs), regulated stablecoins, and digital currencies. A talted deposit token or a legal claim against the first financial institution 104 Financial enterprises that issue any suitable digital tokens, including but not limited to them It is a type. For example, the first financial institution 104 is a bank, central bank, electronic currency issuer, Tablecoin issuers, or any other suitable financial enterprises that can issue digital tokens These may be, but are not limited to, the first financial institution 104 is the central bank In this embodiment, the digital token represents the liability of the central bank (e.g., a CBDC). In an embodiment where the first financial institution 104 is a bank, the digital token is digitized This represents a deposit, which is a digitized form of a deposit liability. (First Financial Institution) In an embodiment where Seki 104 is the issuer of electronic currency, the digital token represents electronic currency debt. In an embodiment where the first financial institution 104 is the stablecoin issuer, digital talk The symbol represents a legal claim associated with a stablecoin stake. Digital tokens are This is a digital representation of the deposit liabilities of the first financial institution 104, and the first Legal claims against financial institutions 104, withdrawal claims, deposit depositor claims, deposit This includes, but is not limited to, the right to claim a guarantee. Certain deposits and their associated properties remain unchanged due to tokenization. Digital tokens issued by agency 104 include one or more of the following, but not all of these. The amount issued is not limited to: the amount of digital tokens equivalent to fiat currency, the currency (e.g.) For example, the fiat currency to which the digital token is issued, the issue date (for example, digital The date the Tal token was created, and any other appropriate metadata (e.g., Identification details of the first financial institution 104, identification details of the receiving computing device 102, Digital address of the computing device 102, etc.

[0017] The first financial institution 104 is an authorized entity on the multi-token network 112. It can be a digital wallet and interact with the multi-token network 112. It may be said that the first financial institution 104 provides customer-facing products such as nets. Wallet for your own customers (e.g., users of receiving computing device 102) (For example, create and manage digital addresses) and multi-token network 112 Then read the transactions and balances, and your own customers (e.g., receiving computing Permission to submit transactions on behalf of the user of device 102 It is possible. Furthermore, the first financial institution 104 receives the means of payment via computing. Device 102 can issue a physical payment card, a virtual payment card, or a paper payment card. This can be a physical check, a virtual check, etc. The receiving computing device 102 is Accept digital wallets and / or other payment methods and associated transaction accounts. The attached payment authentication information is transmitted, and the payment transaction is made using that transaction account. This can provide funding to the project.

[0018] Processing server 106 is a server, desktop computer, notebook computer, laptop Top computers, tablet computers, handheld devices, smartphones, etc. A computer client, or any other electronic device or computing system , to store, compile and organize audio, visual, or text data, and also such data It can be considered as something that receives / transmits data from other computing devices, For example, a receiving computing device 102, a first financial institution 104, a second financial institution 1 08, the transmitting computing device 110 and / or the asset network 114, etc. It may include. For example, the processing server 106 is specially configured to perform the functions described. It can be any type of electronic device or computing system, as shown in Figure 7. This may be a computer system 700, etc. In an exemplary embodiment, a processing server 106 This is an operator node and / or management node on the multi-token network 112. And the following can be done: between the first financial institution 104 and the second financial institution 108 Sending and receiving digital tokens; generating guarantee tokens for digital tokens. and; to unlock one or more smart contracts on Asset Network 114 To generate a payment status token; receiving computing device 102, first financial institution 104, second financial institution 108, transmitting computing device 110, and / or asset Transaction messages and transaction requests are exchanged with network 114. Receiving, generating, and / or transmitting; Asset Network 114, receiving computer Assets are sent and received between the input device 102 and the transmission computing device 110. to; the first financial institution 104 and the second financial institution 108 request redemption of the guarantee tokens To receive; and to generate a settlement transaction message for the first financial institution 10 To be transmitted to 4 and the second financial institution 108. See Figure 2 for processing server 106. I will elaborate on this.

[0019] The second financial institution 108 is a financial institution such as a receiving bank or any other entity and for electronic payment transactions, using fiat currency or digital tokens to fund It is configured to issue transaction accounts suitable for supplying. Two financial institutions have identified central bank digital currencies (CBDCs) and regulated stablecoins. , digitized deposit tokens, or legal claims against a second financial institution 108 Issue any other appropriate digital tokens representing rights, including but not limited to these. It is a financial entity. For example, the second financial institution 108 is a bank, central bank, electronics A currency issuer, a stablecoin issuer, or any other appropriate entity that can issue digital tokens. It can be any financial entity, but is not limited to these. Second financial institution 10 In an embodiment where 8 is the central bank, the digital token represents central bank liability (for example, C (BDC). In an embodiment where the second financial institution 108 is a bank, the digital token is digital This represents a digitized deposit, which is a digitized form of deposit liability. In an embodiment where two financial institutions 108 are electronic currency issuers, the digital token is an electronic currency. Represents liabilities. In an embodiment where the second financial institution 108 is the stablecoin issuer, Tal Tokens represent legal claims associated with stablecoin holdings. Digital The token is a digital representation of the deposit liabilities of the 108 relevant second financial institutions. Yes, legal claims against the second financial institution 108, withdrawal claims, and deposit depositor claims. This includes, but is not limited to, rights such as deposit guarantee claims. The underlying deposit and related properties that are represented do not change because of tokenization. The digital token issued by the second financial institution 108 includes one or more of the following: However, these are not limited to: the amount issued (e.g., the equivalent amount of fiat currency in digital tokens). , currency (e.g., fiat currency on which the digital token is issued), issuance date (e.g., digital The date the Tal token was created, and any other appropriate metadata (e.g., the second gold Identification details of the financial engine 108, identification details of the transmitting computing device 110, transmitting computer Digital address of the addressing device 110, etc.

[0020] The second financial institution 108 is an authorized entity on the multi-token network 112 It can be a digital wallet and interact with the multi-token network 112. It may be said that it provides customer products such as nets. The second financial institution 108 is A wallet for its own customers (e.g., users of the transmitting computing device 110) (For example, create and manage digital addresses) and multi-token network 112 Then read the transactions and balances, and send computing data to its own customers (e.g., send computing data). Permission to submit transactions on behalf of the user of device 110 It is possible. Furthermore, the second financial institution 108 transmits the payment means via computing Device 110 can issue a physical payment card, a virtual payment card, or a paper payment card. This can be a physical check, a virtual check, etc. The transmitting computing device 110 is Accept digital wallets and / or other payment methods and associated transaction accounts. The attached payment authentication information is transmitted, and the payment transaction is made using that transaction account. This can provide funding to the project.

[0021] The transmitting computing device 110 is associated with a user in the system 100. This is a computing device. In this embodiment, the transmitting computing device 110 The user is a customer of the second financial institution 108 (for example, a transaction at the first financial institution 104). (Having a suction account). For example, a user of the transmitting computing device 110 For example, to trade deposit tokens issued by a second financial institution 108. It has a digital address such as a digital wallet. Furthermore, it has a sending computer The device 110 operates on the asset network 114. For example, the transmitting computer Users of the lighting device 110 have an account in the asset network 114. They may be or may have access to the network, and through this The user of the transmitting computing device 110 can then transfer one or more assets (for example, NF T can be sold on the NFT marketplace. Transactions involving device 110 are described in detail below, as shown in Figures 3A-6B. See below. The transmitting computing device 110 is a desktop computer, notebook computer. Book machines, laptop computers, tablet computers, handheld devices, Smartphones, thin clients, or any other electronic devices or computers A system for storing, compiling, and organizing audio, visual, or text data. Furthermore, such data is received from and transmitted to other computing devices. This is possible, for example, with a receiving computing device 102, a processing server 106, and Two financial institutions 108 and / or one or more nodes of the asset network 114 include It is rare. For example, the transmitting computing device 110 performs the function described. This can be any type of specially configured electronic device or computing system. This can be done, for example, with a computer system 700 as shown in Figure 7. A single transmitting computer Although only the 110 transmission device is shown in the diagram, the system 100 can transmit any number of units. Please note that this may include a computing device 110.

[0022] Asset Network 114 uses digital tokens to facilitate the exchange of assets between users (e.g.) For example, a network or platform that enables the exchange (e.g., purchase and sale) of products or services. It is a platform. Asset Network 114 is audio, visual, or text data To store, compile, and organize data, and to process such data on other computing devices. {receive from / send to}, for example, receiving computing device This includes the 102 and / or processing server 106, transmission computing device 110, etc. For example, asset network 114 is specifically configured to perform the described function. Any type of electronic device or computing system or multiple such devices It is operated or supported by an electronic device or computing system. This can be represented by the computer system 700 shown in Figure 7, etc. Asset Network 114 is a group of user nodes that buy and sell assets on the asset network 114. For example, the receiving computing device 102 and the transmitting computing device 110 It can include. For example, asset network 114 can be the following: However, these are not limited to: retail payment networks, B2B (business-to-business) Payment networks, supply chain payment networks, cross-border person-to-person (PE) RSON-to-person payment networks (e.g., remittance flows), public cryptocurrency economic zones For example, NFT marketplaces, decentralized finance (DeFi). Regarding digital tokens that are apparent to those skilled in the art (e.g., finance networks), Any other suitable network to facilitate the exchange of assets. NFT market In the example of Tope, the asset network 114 is a receiving computing device 10 Digital art (e.g., NFT) between 2 and the transmitting computing device 110 To facilitate buying and selling. Furthermore, Asset Network 114 One or more assets associated with or linked to the assets traded above Mart contracts and one or more parameters to unlock smart contracts and free up assets. It can include meters. NFT marketplaces (e.g., asset networks) In example 114), the smart contract is for each NFT (e.g., asset) being sold. It has, and also one or more parameters to unlock the smart contract Define. For example, one or more parameters of a smart contract are acceptable with respect to the purchase of an asset. It is possible to define what currencies may be.

[0023] In an embodiment of system 100, a receiving computing device 102, a first financial institution 104, processing server 106, second financial institution 108, and transmission computing device 1 10 is part of the multi-token network 112. 112 is a transaction between traditional fiat currency users and crypto-native users. Supports communication and (for example, receiving computing device 102, first financial institution 1) 04, second financial institution 108, and transmitting computing device 110). Multitalk Network 112 is a network where multiple entities (e.g., companies, governments, financial institutions, etc.) It enables the issuance and transfer of digital tokens, and also regulated cryptocurrencies (e.g., (Stablecoins, CBDCs, etc.) as tokens for transactions or as assets This enables its use as a token, and allows for immediate use on the multi-token network 112. It can facilitate payments. The multi-token network 112 is an existing conventional payment network. Interacting with and / or integrating with rails provides additional options and conveniences. Bringing benefits to consumers (for example, transactions using digital tokens or fiat currencies) (To carry out the operation). Multi-token network 112 is a private type permitted It is a network system where selected actions are performed by specific identifiable participants. (For example, receiving computing device 102, first financial institution 104, second financial institution) 108, and to allow only by the transmitting computing device 110) It maintains an access control layer. For example, the multi-token network 112 is digital Regarding tokens, direct receiving, storage, processing, and / or sending between addresses is possible. It can be made possible (for example, associated with the receiving computing device 102) Digital addresses and digital associated with the transmitting computing device 110 (Lucode). Multi-token network 112 is a programmable network. Yes, it operates on the network operator infrastructure and one or more applications Participants can be accessed via a Communication Programming Interface (API). The API can be a private and permissioned API, and multi To access the token network 112, multi-token network 11 The authentication information issued by 2 is requested by a node in the multi-token network 112. For example, the multi-token network 112 is Compatible with each participating financial institution (for example, the first financial institution 104 and the second financial institution 108). Includes APIs that have the property. The multi-token network 112 is a multiple network ( For example, communication with asset network 114 and blockchain network 116. And transactions can be conducted. Figure 1 shows a single blockchain network 116 and Only a single asset network 114 is shown, but any number of blocks Chain network 116 and / or asset network 114 are multi-token networks Please note that this may be part of Network 112. Furthermore, a multi-token network 112 can communicate and conduct transactions with various types of networks. For example, Blockchain network 116 and / or asset network 114 are Bet-type, permission-type, or public blockchain network This can be done, and the first financial institution 104 and the second financial institution 108 each have separate payments. It can be part of the payment network.

[0024] In this embodiment, the multi-token network 112 is a blockchain network 1 It can include 16. Blockchain network 116 is a multi-blockchain It can be equipped with a first financial institution 104, a processing server 106, and a second financial This includes, but is not limited to, 108 financial institutions. Blockchain network 11 Each of the 6 blockchain nodes performs functions related to the processing and management of the blockchain. The computing is configured as shown in Figure 7 and is described in detail below. It can be a system and may include, for example, the following: blockchain data values Generation, verification of proposed blockchain transactions, verification of digital signatures, new Block generation, validation of new blocks, and copying of the blockchain. Maintain.

[0025] The blockchain of blockchain network 116 is at least multiple blocks It can be a distributed ledger equipped with a block. Each block has at least a block header and one or more It may include data values. Each block header must contain at least a timestamp and a block reference value. , and may include data reference values. The timestamp is the time the block header was generated and It can be expressed using any appropriate method (for example, UNIX type (Mustamp, DateTime notation, etc.). Block reference value is the preceding block in the blockchain. This can be a value that references (for example, based on a timestamp). In some embodiments The block reference value in the block header is the most recently added block preceding each block. It can be a reference to the block's block header. In an exemplary embodiment, the block The reference value is generated by hashing the block header of the most recently added block. The resulting hash value can be obtained. Similarly, the data reference value includes the block header. It can be a reference to one or more data values ​​stored within the block. (Example) In this embodiment, the data reference value is generated by hashing one or more data values. It can be a hash value. For example, a block reference value is one or more data values This can be used as the root of the Merkle tree generated.

[0026] As a result of using block reference values ​​and data reference values ​​within each block header, Immutability can be given to the blockchain. To attempt to change the data value, the blockchain... For locks, the generation of new data reference values ​​is required, and for that, the subsequent block It is necessary to generate a new lock reference value, and furthermore, for each subsequent block, a new one is required. It is necessary to generate a block reference value. In order to make the change permanent, Before generating a new block and adding it to the blockchain, the above matters must be considered on the blockchain network. This requires execution and updating for each node within network 116. Computational power Furthermore, due to limitations in communication capabilities, such changes could be extremely difficult or even impossible. Therefore, blockchain acquires immutability.

[0027] In some embodiments, the blockchain is two different blockchain wallets Between the terminals (for example, the buyer digitally associated with the receiving computing device 102) Seller digital address associated with address and transmitting computing device 110 Information about blockchain transactions made in (e.g., assets) Stores transaction requests related to the purchase of assets on network 114. It can be used for this purpose. A blockchain wallet contains the private key of a cryptographic key pair. The private key is obtained, and the private key is used to generate the digital signature, and the digital signature is a block It can act as an authorization for the payer in relation to a chain transaction. The digital signature uses the public key of the cryptographic key pair to create a blockchain network 116 This can be verified by a "blockchain wallet" or "digital The word "address" can specifically refer to a private key. In other cases, it can refer to a blockchain wallet. The words "to" or "digital address" refer to private keys in blockchain transactions. A computing device that stores it in order to use it (for example, a receiving computing device) This may refer to the 102 and 110 (transmission computing devices, etc.). For example, each computer Each routing device possesses its own private key for its respective encryption key pair. This is possible, and each is associated with the blockchain network 116. It is a blockchain wallet used for transactions with the blockchain. The computing device can store and utilize the blockchain wallet. It can be any type of device suitable for use, for example, a desktop computer Laptop computers, notebook computers, tablet computers Mobile phones, smartphones, smartwatches, smart TVs, wearable computers These may be referred to as a routing device, an embedded computing device, etc.

[0028] Each blockchain data value stored within the blockchain is It can appropriately handle the storage of transactions or other data. Blockchain transactions A yon can have at least the following: currency generated using the sender's private key or A digital token sender (for example, associated with a receiving computing device 102) The digital signature of the digital address (which is being used), and the public key of the recipient used to generate the data. Recipient of currency or digital tokens (e.g., transmitting computing device 11) The blockchain address of a digital address associated with 0, and the transferred The amount of blockchain currency or other data stored. Some blockchain In a transaction, the following may also be included: blockchain One or more Senda blockchains where currency or digital tokens are currently stored Dress (for example, by digital signature, to such currency or digital token) If access is verified; and an address generated using the sender's public key. The address for any changes that should be held by the user. The address to which usable cryptocurrency or digital tokens are sent is called the "output" address. Each address captures the output of the preceding blockchain transaction. This is because it was previously used to capture something, and it is also called an "unconsumed transaction". This refers to the pre-emptive currency or digital token that has not yet been consumed. This is because the currency or digital token sent to the address in the transaction exists. Yes. In some cases, blockchain transactions are when entities trans It can also include the sender's public key used for validation of the transaction. For the traditional processing of lock chain transactions, such data is, By either Da or the recipient, on the blockchain network 116 Blockchain nodes within (for example, processing server 106, first financial institution 104, and / or may be provided to a second financial institution 108). The node provides the cryptographic keys of the sender's wallet. The public key within the pair can be used to verify the digital signature, and access to Senda's funds can be accessed. This allows us to verify that (for example, an unconsumed transaction has not yet been consumed and If it is sent to an address associated with Senda's wallet, this is Transa This is known as the "confirmation" process of the cushion, and also, block chain Block transactions are included within a new block. (Example of a traditional blockchain implementation) So, for new blocks, the addition to the blockchain and the blockchain network... Before distribution to all blockchain nodes within Work 116, the blockchain network Validation can be performed by other nodes within the blockchain. The data value is not related to blockchain transactions, but rather to other types. If it concerns the storage of data, blockchain data values ​​are still digital It may include or involve validation of the Tal signature.

[0029] System 100 desires to perform transactions using digital tokens. Blockchain nodes can transact via blockchain network 116. Submit those digital tokens to the processing server 106 to facilitate the transaction. This is possible. The receiving computing device 102 is issued by the first financial institution 104. Using digital tokens to purchase assets on the asset network 114 If desired, the receiving computing device 102 will send a new blockchain transit A transaction request (e.g., an asset purchase request) is submitted to the blockchain network 116. It can be issued. The digital token issued by the first financial institution 104 is The asset has a value equal to or higher than the purchase price of the asset on set network 114. It is likely that in an exemplary embodiment, the receiving computing device 102 is (for example) The blockchain was issued via the first financial institution 104 (the financial institution that issued the digital token). Communicates with the chain network 116. A transaction request may include the following: The digital address of the communication computing device 102 is issued by the first financial institution 104. The digital token that was generated, the digital address of the transmitting computing device 110, and Identification of set network 114, and identification of assets. In some embodiments The transaction request is the digital address of the receiving computing device 102. It can include a digital signature generated using a private key, which is received by the computer. The processing server 106 verifies the digital address of the bin device 102 using its public key ( (redate) can be performed, for example, the receiving computing device 102 is transacting Verification that the submission is permitted to use the submitted digital address ( It can be redone. In this embodiment, the receiving computing device 102 and / Alternatively, the first financial institution 104 may use a traditional payment rail network to conduct transactions The request can be sent directly to the processing server 106 (for example, a blockchain) (If network 116 is not available).

[0030] The processing server 106 can receive transaction requests, and also digital A guarantee token can be generated for a token (for example, a guarantee token is a token (Generated with a value equivalent to the value of the digital token). The guarantee token is, It is created by one or more digital addresses of processing server 106. The guarantee token is, One or more, including but not limited to, a unique symbol, circulation volume, and exchange value. It may include attributes. In this embodiment, the processing server 106 processes the digital token. The data is stored in the database of server 106. Processing server 106 receives the data. Generate a transaction request in response to verifying the digital signature of device 102. It is possible. The guarantee token is a digital token issued by the first financial institution 104. Represents a tokenized guarantee about (for example, represented by a digital token) (Guarantee of funds). For example, a guarantee token is used by the first financial institution 104 processing server 1 It can be issued in lieu of debt to 06, which in turn can be any guarantee token. Subsequent bearers (e.g., a second financial institution 108 and / or transmitting computing device 1) This represents the debt of processing server 106 to (10 etc). The guarantee token is issued digitally. Guarantee tokens can be expressed in the same currency as the token. Guarantee tokens are fungible assets. Therefore, all previously issued guarantee tokens of the same currency and value are indistinguishable from one another. This becomes possible. Guaranteed tokens are issued and multi-token within the multi-token network 112. Transfers are limited to registered participants within the Chitoken Network 112 (for example, The communication computing device 102, the first financial institution 104, the second financial institution 108, and (Transmission computing device 110, etc.). Processing server 106 is asset network 1 Smart contracts can be identified on 14 (for example, asset network 114 and (Assets identified in transaction requests), and unlock smart contracts. One or more parameters can be determined for the purpose of generating a guaranteed token. The processing server 106 is associated with the asset identified in the transaction request. Unlock the smart contract using one or more parameters of the smart contract. Furthermore, a guarantee token is generated that will release the asset. The tool does not work to unlock smart contracts on the asset network 114. Rather, the processing server 106 unlocks the smart contract on the asset network 114. A payment status token can be generated for the purpose of guaranteeing. In such an embodiment, guarantee The token will not be sent to asset network 114. Payment status token This is tokenized payment for assets on asset network 114. This can be a payment authorization message and the assets identified in the transaction request. It is generated using one or more parameters of the associated smart contract. Yes, it is possible. The payment status token is a transaction reference, and the transaction payment confirmation is also available. Transaction, asset identification, indication of transaction default, and transaction Asset transaction markings, including but not limited to, payment delays. It can include metadata. Asset transaction metadata is stored on AssetNet. Proof of payment, transaction by Work 114 or any other external entity. It can be used for verifiability and / or matching (for example, asset management) (If network 114 wishes to charge a commission to processing server 106) Payment status tokens include non-fungible ERC 721 tokens, ERC 20 tokens, etc. This is any suitable cryptographically verifiable messaging token, not limited to any specific one. Server 106 sends payment status tokens to a private blockchain network (e.g., For example, private blocks can be generated on the blockchain network (116). Chain Network uses payment status tokens on a private blockchain network. Includes a smart contract for transferring from K to Asset Network 114. Processing Server 106, on behalf of the receiving computing device 102, requests an asset for the asset. Generate a transaction. An asset request transaction includes the following, but these This is not limited to: guarantee tokens, receiving computing device 102 receiving party digital Digital address, digital address of the sending party computing device 110, and asset identification. In some embodiments, the asset request transaction is processed It can include the digital address of the server 106. In some embodiments, The request transaction is sent to the processing server 106 and / or the receiving computing device. It can include a digital signature generated using a private key with 102 digital addresses. This is the digital address of the processing server 106 and / or receiving computing device 102. The public key of the response can be verified by the asset network 114, for example If the processing server 106 and / or receiving computing device 102 are processing the transaction It is necessary to verify that permission has been granted to use the submitted digital address. Yes, it is possible. Processing server 106 records asset requests on the blockchain network. It can be sent to K116. Processing server 106 generates a payment status token. In this implementation, asset request transactions use payment status tokens instead of guarantee tokens. The processing server 106 also directly transmits the guarantee token to the second financial institution 108. It is possible.

[0031] The asset network 114 receives asset request transactions from the processing server 106. It can receive and generate asset transactions. Asset Network The code 114 is the digital data of the processing server 106 and / or the receiving computing device 102. In response to verifying the signature, an asset transaction can be generated. A set transaction may include, but is not limited to, the following: The receiving party's digital address of the receiving computing device 102, and the sending party's code. Digital address of the sending party of computing device 110. Asset transaction This is a node in the asset network 114, replacing the transmitting computing device 110. It is generated by, or directly by, the transmitting computing device 110. Yes, it is possible. In some embodiments, asset transactions are handled by the processing server 106. It may include a Tal address. In some embodiments, the asset request transaction The system consists of the nodes and / or transmitting computing device 1 of the asset network 114. It can include a digital signature generated using a private key with 10 digital addresses, This is a node and / or transmitting computing device 11 of the asset network 114. The public key of the digital address 0 can be verified by the processing server 106. For example, a node and / or transmitting computing device 1 of the asset network 114 10 is permitted to use the digital address to which the transaction was submitted. It can be verified that the second financial institution 108 is associated with the guarantee token. In order to enable the conversion of the currency, the asset network 114 is an asset network The guarantee tokens received within the transaction are sent to the second financial institution 108. It is possible. In some embodiments, the guarantee token is transmitted by the computing device 1 It can be transmitted to 10 digital addresses, and the transmitting computing device 110 This can be submitted to the second financial institution 108. Asset Network 114 Instead of using a guarantee token, a payment status token is used as part of the asset request transaction. In the embodiment where the payment status token is received, the asset network 114 receives the payment status token from the second financial It can be transmitted to agency 108. Alternatively, asset network 114 supports Send the payment status token back to the processing server 106, or hold the payment status token. It can store and remember, or hold and discard payment status tokens.

[0032] The processing server 106 (for example, the nodes of the asset network 114 and / or transmit Asset transactions via the asset network (through computing device 110) It can be received from -114. Processing server 106 is asset network 11 Since the digital signatures of the 4 nodes and / or the transmitting computing device 110 are verified, Yes, and also, asset transactions and / or simply receiving assets as computers. It is sent to the digital address of the ping device 102.

[0033] The processing server 106 can receive a redemption request from the second financial institution 108. The exchange request is a guaranteed transaction generated by the processing server 106 in response to the transaction request. -Includes the 108 digital addresses of the second financial institution. This is possible. In some embodiments, a redeem request is made to a second financial institution 1 It can include a digital signature generated using the private key of the 08 digital address, This is done by using the public key of the digital address of the second financial institution 108 to process the server 106. This can be verified, for example, if the second financial institution 108 submits a transaction It is possible to verify that permission is granted to use the digital address. The processing server 106 generates a settlement transaction message and sends it to the first financial institution 104 It can be sent to. The settlement transaction message contains a digital token and Regarding digital tokens, equivalent fiat currency will be transferred from the first financial institution 104 to the second financial institution 1 This may include, but is not limited to, instructions to send to 08. Settlement transaction The message may also include the digital address of processing server 106. In this implementation, the settlement transaction message is: This includes a digital signature generated using the private key of the digital address of processing server 106. This can be done by using the public key of the digital address of the second processing server 106 to perform the first It can be verified by financial institution 104, for example, processing server 106 is transacting Verify that the submission is authorized to use the submitted digital address. It is possible.

[0034] The first financial institution 104 receives a settlement transaction message from the processing server 106. And you can unlock an equivalent fiat currency for the digital token, and that equivalent The fiat currency can be transmitted to the second financial institution 108. In some embodiments, , the digital signature of processing server 106 in the settlement transaction message was verified. In response, the first financial institution 104 can unlock and send fiat currency. The first financial institution 104 can send fiat currency to the second financial institution 108, or i, using traditional payment rails and settlement methods that would be obvious to those skilled in the art, the second financial institution Settlement can be made with regard to fiat currency for which a payment obligation has arisen against 108.

[0035] The methods and systems described are characteristic and regulated by traditional trust-based payment systems. The challenges of unregulated digital currency transactions within digital currency networks lacking such regulations. It brings about a technical solution concerning this. It is issued by financial institutions and backed by fiat currency. The use of digital tokens and their use in digital transactions By issuing guarantee tokens for these digital tokens, the trading parties can Digital tokens within a trusted and regulated system where the value of digital tokens is guaranteed. Transactions can be made using this. For example, the methods and systems described will allow you to make purchases using permission. A solution that supports multiple tokens on a token-type blockchain network. This solution brings about a digitized deposit token from the bank, non- Issuance and transfer of cryptocurrency-issued (but regulated) stablecoins and CBDCs This makes it possible, and this is what ensures the security and speed of the cutting-edge payment network. This is made possible while remaining accompanied by. This allows banks and other regulated institutions to be regulated Furthermore, it operates within a trusted ecosystem, while also being blockchain and tokenized. It becomes possible to enjoy the benefits of the assets. Therefore, the described method and The system combines elements of traditional payment and currency settlement services with use cases of digital currencies. It provides a solution that enables regulated and stable digital communication. A cargo network is created.

[0036] Processing server Figure 2 shows an embodiment of the processing server 106 within the system 100. Those skilled in the art will understand Figure 2. The embodiment of the processing server 106 shown in 2 is provided for illustrative purposes only, and the present disclosure is not intended to be used in this disclosure. This thoroughly illustrates all possible configurations of the processing server 106 that are suitable for performing the function. It is self-evident that this does not exist. For example, the computer shown in Figure 7 and described in more detail below The system 700 may be an appropriate configuration of the processing server 106. In some embodiments, The blockchain network shown in Figure 1 (for example, blockchain network 116) Blockchain nodes within (for example, the first financial institution 104 and the second financial institution) Component 108) may include the components shown in processing server 106 in Figure 2. Furthermore, it can be configured to perform the functions described therein.

[0037] The processing server 106 may include a receiving device 202. The receiving device 202 may include one or more Configured to receive data over one or more networks via a network protocol. It may be done. In some examples, the receiving device 202 uses a radio frequency, local area network Wireless area network, cellular communication network, Bluetooth, internet, etc. The receiving computing device 102 and the first financial institution 1 communicate via one or more of the following communication methods. 04, Second financial institution 108, Transmitting computing device 110, Asset network It may be configured to receive data from other systems and entities, as well as from system 114. In some embodiments, the receiving device 202 receives multiple devices (e.g., different network devices). Different receiving devices that receive data on a network (for example, data on a local area network) A first receiving device that receives data and a second receiving device that receives data over the internet. It may include. The receiving device 202 may receive the transmitted electronic data signal. Upon receiving the data signal by the receiving device 202, the data is superimposed on the data signal. The data may be decoded, parsed, read, or acquired. In some embodiments, the receiving device Unit 202 analyzes the received data signal and acquires the superimposed data. It may include an analysis module. For example, the receiving device 202 receives the received data signal. Then, it is converted into available input for the function to be executed by the processing server 106 and then opened. The analysis program may include an analysis program configured to perform the method and system shown.

[0038] The receiving device 202 is connected to the receiving computing device 102, the first financial institution 104, and the second The financial institutions 108, the transmitting computing device 110, and the asset network 114 Therefore, it can be configured to receive electronically transmitted data signals, and this data signal This refers to new transactions for confirmation and confirmed blocks. Chain transactions, new blocks for confirmation, block chain Confirmed blocks, block confirmations, in order to be added to the block. Messages, blockchain network load data, etc. are superimposed on or It can be encoded. The receiving device 202 receives the first gold Financial institution 104, second financial institution 108, transmitting computing device 110, asset management It can also be configured to receive data signals electronically transmitted by network 114. Yes, this data signal is a transaction request, a new blockchain transaction. It is superimposed with public keys, digital signatures, response messages, computational challenge responses, etc. Alternatively, it can be encoded. For example, the receiving device 202, as described above, It can receive requests, asset transactions, and redemption requests.

[0039] The processing server 106 may also include a communication module 204. The communication module 204 is , modules, engines, databases, used when performing the functions of this disclosure It is configured to transfer data between memory and other components of the processing server 106. The communication module 204 may include one or more communication types, and the computing device Various communication methods may be used for communication within the device. For example, communication module 204 It may include a bus, connection pin connectors, wires, etc. In some embodiments, a communication module The 204 also contains the internal components and external components of the processing server 106. To communicate with (for example, externally connected databases, display devices, input devices, etc.) The configuration may be as follows. The processing server 106 may also include a processing unit. The processing unit is as described in this disclosure. It may be configured to perform the functions of the processing server 106. This is obvious to those skilled in the art. It is clear. In some embodiments, the processing server 106 is one or more of the processing servers 106. Multiple engines and / or modules (e.g., ) specially configured to perform the function It may include the Elite module 214, the Generation module 216, the Verification module 218, etc. As in this disclosure, the term “module” means receiving input and using said input to create one Software or It can be hardware. Input, output, and processing are handled by various modules. This is obvious to those skilled in the art based on this disclosure.

[0040] The processing server 106 may also include memory 208. Memory 208 is a function of this disclosure. Data for use by the processing server 106 when executing (e.g., public key, private key, pair) Memory 208 may be configured to store a name key, etc. The memory 208 may be configured to store an appropriate data format. It may be configured to store data using laws and schemas, and any appropriate type It may be any type of memory (e.g., read-only memory, random access memory, etc.). Mori 208 is used for, for example, cryptographic keys and algorithms, communication protocols and standards, and data formats. Matt standards and protocols, program code for modules and application for processing server 106 The communication program, and when executing the functions of this disclosure, the processing server 106 This may include other appropriate data used for this purpose. This is to be known to those skilled in the art who read this disclosure. It is self-evident. In some embodiments, memory 208 uses Structured Query Language (SQL). It may include a relational database used to store stored structured datasets. You may identify, modify, update, access, etc. Memory 208 can be used for, for example, encryption keys, salts, Nonce, address generation and verification algorithms, digital signature generation and verification algorithms, Regarding hash algorithms for generating reference values, and the generation of new blocks and block headers. Rules, pool of pending transactions, and load information of the blockchain network. The system is designed to store information, blockchain wallet data, challenge difficulty data, etc. It may be done. Memory 208 is a receiving computing device 102, first financial institution 1 04, Second Financial Institution 108, Transmitting Computing Device 110, and AssetNet It may be further configured to store communication information about workpiece 114. Memory 208 The first is received by the processing server 106, the receiving computing device 102, Financial institution 104, second financial institution 108, transmitting computing device 110, and assemblies Digital coins from network 114 may be further configured to be stored. .

[0041] The processing server 106 can contain blockchain data 206, which is the processing server Stored in memory 208 of unit 106 or stored in a separate area within processing server 106. Blockchain data 206 It can include blockchain, which can have multiple blocks, Associate with a blockchain network (e.g., blockchain network 116) It can be done. In some cases, blockchain data 206 can also be Lock chains and any other data associated with their management and performance It can include, for example, block generation algorithms, digital signature generation and code Confirmation algorithm, aggregated mining bids, mining bid weights and This includes selection rules, etc. In some cases, blockchain data 206 is received Puteting device 102, first financial institution 104, second financial institution 108, transmitting computer Includes communication data for the routing device 110 and the asset network 114. It is possible. In some cases, blockchain data 206 is asset network A blockchain wallet for use in buying and selling assets on K114. It can include associated data.

[0042] The processing server 106 may also include a query module 214. Query module 21 4 may be configured to execute queries on the database to identify information. Joule 214 may receive one or more data values ​​or query columns, and based on them, Execute the query column on the specified database (for example, memory 208 on processing server 106). The information stored there may then be identified. The query module 214 then identifies The collected information is output to the appropriate engine or module of the processing server 106 as needed. Good. For example, the query module 214 executes the query on memory 208 and receives the data. Puteting device 102, first financial institution 104, second financial institution 108, transmitting computer Digital carp received from the routing device 110 and the asset network 114 It can identify the asset network. For example, query module 214 can identify the asset network. Inquire with 114 to find one or more assets and asset networks 114 and / or Alternatively, identify one or more smart contracts associated with one or more assets. It is possible.

[0043] The processing server 106 may also include a generation module 216. The generation module 216 is , generate data used by the processing server 106 when performing the functions of this disclosure. It may be configured as follows. The generation module 216 may receive an instruction as an input value, and Data may be generated based on the order, and the generated data may be processed by one or more processing servers 106. The output may be sent to the module. For example, the generation module 216 will send a new block chain. Block data value, new block header, Merkle root, new block, and block chain It may be configured to generate other data for operation. Also, generation module 2 16 consists of a receiving computing device 102, a first financial institution 104, and a second financial institution 1 08, received from the transmitting computing device 110 and the asset network 114 It may also be configured to generate guarantee tokens for one or more digital coins. For example, the generation module 216 generates a guaranteed token based on the value of the digital token. This can be achieved. Furthermore, the generation module 216 on the asset network 114 To generate payment status tokens to unlock one or more smart contracts. It may be structured as such.

[0044] The processing server 106 may also include a verification module 218. The verification module 218 is , as part of the functions of the present disclosure, it can be configured to verify the processing server 106. The verification module can receive, as an input, an instruction that should include the data to be used when performing the verification, can perform the verification in response to a request, and can also output the result of the verification to another module or engine of the processing server 106. For example, the verification module 218 can be configured to confirm blockchain transactions by analyzing the blockchain data values within the blockchain, and it is possible that the receiving computing device 102, the first financial institution 104, the second financial institution 108 , the sending computing device 110, and / or the asset network 114 are permitted to use the transaction outputs included in the submitted new transaction, and it is ensured that the transaction outputs have not yet been used to transfer currency in another transaction. The verification module 218 can be configured to verify digital signatures using public keys and appropriate signature generation algorithms. The verification module 218 can further be configured to verify digital tokens, guarantee tokens, payment status tokens, and / or assets traded within the system 100.

[0045] The processing server 106 may also include a sending device 220. The sending device 220 may be configured to send data on one or more networks via one or more network protocols. In some examples, the sending device 220 is a radio frequency, local area network, wireless area network, cellular communication, Bluetooth, radio frequency (RF), in The receiving computing device 102, first Financial institution 104, second financial institution 108, transmitting computing device 110, asset To transmit data to network 114 and other systems and entities. It can be configured as follows. In some embodiments, the transmitting device 220 is a multiple device (for example, different Different transmitting devices for sending data over a network (e.g., local area network) A first transmitting device that transmits data over a network and a device that transmits data over the internet It may include a second transmitting device. The transmitting device 220 is superimposed data and the receiving device A data signal containing data to be analyzed by position 202 may be transmitted electronically. In that embodiment, the transmitting device 220 superimposes, encodes, or transmits data. It may include one or more modules that format the data signal into a format suitable for communication.

[0046] The transmitting device 220 is connected to the receiving computing device 102, the first financial institution 104, and the second Financial institutions 108, transmitting computing device 110, and asset network 11 It can be configured to electronically transmit a data signal to 4, and this data signal The following are superimposed or encoded in: new blockchain data value; conf New block for confirmation; confirmed block; block or transaction Message regarding the confirmation of the transaction; and the operation of the blockchain and Other data used for management. Transmitter 220 also receives computing device 10 2. First financial institution 104, second financial institution 108, transmitting computing device 110 , and configured to electronically transmit data signals to asset network 114 It is possible that the following may be superimposed or encoded in this: Further details are described above: Asset Request Transaction; Asset Transfer Transactions; and settlement transaction messages, etc.

[0047] Processing of transaction settlements and smart contract access using guarantee tokens Figures 3A-3G illustrate a transaction settlement using a guarantee token according to an exemplary embodiment. The process 300 for accessing smart contracts is also shown.

[0048] In S302, the receiving computing device 102 is on the asset network 114. Select the assets to acquire. For example, the user of receiving computing device 102 Sending computer data on an NFT marketplace (e.g., Asset Network 114) The NFTs to be sold by the cutting device 110 can be selected. The cutting device 102 generates an asset purchase request in S304, and also in S306. It sends an asset purchase request to the first financial institution 104. The asset purchase request includes the following: This may include, but is not limited to, the transmission of the transmitting computing device 110. The trustee's address, the identification of asset network 114, the identification of the asset, and The value of an asset.

[0049] In S308, the first financial institution 104 receives an asset purchase request via computing The first financial institution 104 receives from the receiving computing device 102. Check the account associated with it to verify that the receiving computing device 102 has a balance large enough to cover the value of the asset purchase. S 310, the first financial institution 104 generates a transaction request, which includes at least the receiving party digital address and the digital token issued by the first financial institution 104 to the receiving party digital address, the sending party address, the identification matter of the asset network and the identification matter of the asset. Also, in S312, the first financial institution 104 sends the transaction request to the processing server 106. The processing server 106 is part of the multi-token network 112, which may include a blockchain network (e.g., the blockchain network 116), and in S312, the first financial institution 104 can send the transaction request to the blockchain network 116. In S314, the processing server 106 receives the transaction request from the first financial institution 104, and in S318, generates a guarantee token for the digital token. The guarantee token includes at least a unique symbol, circulation volume, and exchange value. In an embodiment, the processing server 106 can generate the guarantee token on a private type blockchain network within the multi-token network 112. For example, the processing server 106 generates a guarantee token for use within the multi-token network 112.

[0050] ​​​​​​​​​​​​​It can become a node in an authorized private blockchain network. The guarantee token is generated on a private blockchain network. In this embodiment, a private blockchain network and a public blockchain network Guaranteed between blockchain network (e.g., asset network 114) A smart contract can be used to transfer the transaction. Processing server 106 is Transaction requests can be received directly from the first financial institution 104. Alternatively, the first financial institution 104 sends the transaction request to the blockchain network. For example, it can be sent to a blockchain network (116), and processing... Node 106 and any other nodes (for example, the first financial institution 104 and the second financial institution 104) 08) Transaction requests are sent to the blockchain network (for example, S316) It can be received as a node within the blockchain network (116).

[0051] In S320, processing server 106 generates an asset request transaction. An asset request transaction includes the following, but these include: Not limited to: Guarantee token, receiving computing device 102 receiving party digital Address, the digital address of the transmitting party of the transmitting computing device 110, and ace Asset identification details. Processing server 106 processes the asset request transaction in S322. Send to set network 114.

[0052] In S324, asset network 114 (for example, asset network 114 One or more nodes receive asset requests from processing server 106. Asset requests are , smart contracts associated with asset network 114 and / or assets It can be received by. Asset network 114 in S326, assets It can process asset requests and generate asset transactions. For example, Set Network 114 is an asset network where the guarantee token included in the asset request is Unlock the smart contract associated with Work 114 and / or the asset. It can be verified that this is possible. Asset transactions include the following: These are not limited to: the receiving party digital address of the receiving computing device 102. The digital address of the sender of the response and the sending computing device 110. S327 So, the asset network 114 processes asset transactions with the processing server 106 and Send to / or blockchain network 116.

[0053] In S328, processing server 106 processes asset transactions across the asset network. Received from K114. Processing server 106 processes the asset transaction on the asset network. It can be received directly from nodes within Work 114, or from nodes within Asset Network 114. The code allows asset transactions to be conducted on a blockchain network (for example, a blockchain network). It can be sent to the chain network 116), and also to the processing server and any other Nodes (for example, the first financial institution 104 and the second financial institution 108) are transiting through S330. Transaction requests on a blockchain network (for example, blockchain network It can be received as a node within (116).

[0054] In S332, processing server 106 generates an asset transfer transaction. Asset transfer transactions include, but are not limited to, the following: Receiving computing device 102's receiving party digital address, transmitting computing The digital address of the transmitting party of the sending device 110, and the identification of the asset. In S334, The processing server 106 processes the asset transfer transaction via the blockchain network. Networks (e.g., blockchain network 116) and / or receiving computers It is sent to the digital address of the ping device 102.

[0055] In S336 and S337, the blockchain network 116 and the receiving computer The digital addresses of the transfer device 102 are, respectively, the asset transfer transaction It can receive the message. Alternatively, processing server 106 will process the asset at S338. It can simply be transmitted to the digital address of the receiving computing device 102. For example, the receiving computing device 102 is connected to a blockchain network (for example, Not part of the blockchain network 116), and also receiving computing The digital address of device 102 receives the asset at S340.

[0056] Returning to S326, process 300 can also proceed to S342, where asset management Twork 114 transfers asset transaction guarantee tokens to second financial institution 108 Send. In this embodiment, the guarantee token is a private token within the multi-token network 112. It is generated on a beta-type blockchain network, and the asset network First, server 114 sends the guarantee token to processing server 106 and privately It can be freed from the block blockchain network. Guaranteed tokens are private. In an embodiment generated on a blockchain network, processing server 106 S 342 can be performed. In S344, the second financial institution 108 provides the guarantee token. It receives from network 114, and in S346 generates a redemption request including a guarantee token. The second financial institution 108 sends the redemption request to the processing server 106 in S348.

[0057] In S350, the processing server 106 receives a guarantee token from the second financial institution 108. The redemption request is received. In S352, the processing server 106 receives the settlement transaction message. Generate a page. The settlement transaction message consists of a digital token and a digital token. Send equivalent fiat currency for -kun from the first financial institution 104 to the second financial institution 108. This includes, but is not limited to, the command to do so. Processing server 106, in S354, Send the completed transaction message to the first financial institution 104.

[0058] In S356, the first financial institution 104 processes the settlement transaction message. Received from ba106. The first financial institution 104 (for example, the digital token itself) (Based on, or based on the digital signature of processing server 106, etc.) The message can be verified. In response to the settlement transaction message, S In 358, the first financial institution 104 includes in the settlement transaction message Digital tokens can be unlocked in the equivalent amount of fiat currency, and also S36 In case 0, the fiat currency can be sent to the second financial institution 108.

[0059] In S362, the second financial institution 108 receives fiat currency from the first financial institution 104. The second financial institution 108 confirms the receipt of fiat currency in S364, processing... A notification can be generated for server 106, and the notification can also be sent via S366. Server 106 receives a notification from the second financial institution 108 via S368.

[0060] Examples of transaction settlements and smart contract access using guarantee tokens method Figures 4A-4B illustrate an exemplary embodiment of transaction settlement using a guarantee token. And a method 400 for accessing smart contracts is shown.

[0061] In S402, the receiving device (for example, the receiving device) of the processing server (for example, processing server 106) Established 202) receives a transaction request from the first financial institution (first financial institution 104) I believe. The transaction request includes the digital address of the receiving party and the first financial institution (e.g., For example, issued by the first financial institution 104) to the recipient's digital address Digital tokens, the sender's address, and asset network identifiers (for example) (including at least the identification details of the asset network 114) and the identification details of the asset. However, these are not the only examples. Digital tokens are digitized deposit tokens. , CBDC, or any other suitable digital coin for transactions within System 100 These are possible, but are not limited to: Receiving party's digital address, asset name Network identification details, sending party digital addresses, and asset identification details are digital. Asset contract (for example, purchasing or procuring assets from asset network 114) It can be accompanied by a contract to do so. Asset Network 114 is a non-fungible token It can be a marketplace for NFTs (non-fungible tokens), and assets are N It can be set to FT.

[0062] In S404, the generation module of the processing server (for example, processing server 106) (for example, The generation module 216) generates a guarantee token for the digital token. The guarantee token includes the processing unit's digital address. The guarantee token is issued to the first financial institution ( For example, talk about digital tokens issued by the first financial institution 104) This is a guaranteed system. For example, the processing server 106 is based on the value of the digital token. Generate a guarantee token. The guarantee token is processed by the processing server regarding the value of the digital token. This represents a legal claim against 106. Processing server 106 is (for example, query module 2 Assets on the asset network 114 associated with the asset (using 14) Smart contracts can be identified. Asset smart contracts are 1 with respect to an asset. It may include more than one asset purchase requirement. When generating a token, the processing server 106 ensures that the guarantee token is on the asset network By leveraging one or more requirements of the smart contract to unlock assets from 114 It can be done.

[0063] In S406, the generation module of the processing server (for example, processing server 106) (for example, The generation module 216) generates an asset request transaction. The transaction includes, but is not limited to, the following: guarantee tokens, Digital address of the receiving party (for example, the digital address of the receiving computing device 102) (dress), the digital address of the sending party (for example, the sending computing device 110) Digital address, and asset identification details. In S408, processing server (for example, processing The transmitting device (e.g., transmitting device 220) of the server 106) sends an asset request transaction. Send the data to the asset network (for example, asset network 114). The management server 106 directly sends the asset request transaction to the asset network 114. It can be sent to the target, or the processing server 106 blocks the asset request transaction. It can be sent to a blockchain network (for example, blockchain network 116). It is possible, and also the nodes and blockchain network within asset network 114. Any other node among the 116 will make an asset request transaction on the blockchain network. It can be received as a node within 116.

[0064] In S410, the receiving device (for example, the receiving device) of the processing server (for example, processing server 106) (Place 202) Asset transactions are handled by the asset network (for example, the asset network Received from the nodes and / or transmitting computing device 110 of the network 114 An asset transaction includes at least the following, but is not limited to: Not limited to: the digital address of the receiving party (for example, the receiving computing device The digital address of the sender (for example, sender computer), and the digital address of the sender (for example, sender computer). Digital address of the cutting device 110). In some embodiments, asset trace The communication can be received on the processing server 106 via the smart contract.

[0065] In S412, the generation module of the processing server (for example, processing server 106) (for example, The generation module 216) generates the asset transfer transaction. Asset transfer transactions include the following: This includes, but is not limited to: the digital address of the receiving party (for example, the receiving computer Digital address of the sending device 102), digital address of the sending party (for example, send Digital address of the computing device 110, and asset identification details. S4 In 14, the transmitting device (e.g., transmitting device 22) of the processing server (e.g., processing server 106) 0) The recipient of the asset transfer transaction has a digital address (e.g., It is then transmitted to the digital address of the receiving computing device 102. In this embodiment, Processing server 106 processes only the assets instead of the entire asset transfer transaction. It can send. In some embodiments, asset transfer transactions The contract can be generated on processing server 106 via smart contracts.

[0066] In S416, the receiving device (for example, the receiving device) of the processing server (for example, processing server 106) The second financial institution (second financial institution 108) receives a redemption request. The request is for a guarantee token (for example, a guarantee generated by processing server 106 in S404). Includes at least a token. In response to receiving the guarantee token, the processing server (e.g., processing The generation module (for example, generation module 216) of the server 106) is generated in S418. Generate a settlement transaction message. The settlement transaction message is digital A taled deposit token (for example, issued by the first financial institution 104) Digital tokens and digitized deposit tokens are equivalent fiat currencies. From one financial institution (for example, the first financial institution 104) to a second financial institution (for example, the second financial institution 104) This includes, but is not limited to, orders to send to financial institutions (108).

[0067] In S420, the transmitting device (e.g., transmitting device) of the processing server (e.g., processing server 106) (Place 220) The settlement transaction message is sent to the first financial institution (for example, the first financial The settlement transaction message is sent to agency 104). This can be done by sending and receiving data using a smart contract.

[0068] Transaction settlement and smart contracts using guarantee tokens and payment status tokens Access processing Figures 5A-5B show an exemplary embodiment using a guarantee token and a payment status token. This describes process 500 for accessing transaction settlements and smart contracts. Process 500 shares S302-S318 of Processing 300, and from S318 to S502 The process proceeds as follows. Process 500 is the token of the digital token issued by the first financial institution. The smart contract function of the digitized guarantee and guarantee token is separated. In process 500, the guarantee token The token is a digital token issued by the first financial institution. It functions as a guarantee, and the payment status token is associated with one or more assets. It functions to unlock smart contracts on the asset network 114 that are being managed. In process 500, the guarantee token is not sent to asset network 114.

[0069] In S502, the processing server 106 generates a payment status token. The payment status token is Includes metadata for asset transactions. This includes transaction reference, transaction payment confirmation, and asset identification. One of the following: a mark indicating default on a transaction payment, and a mark indicating delay in a transaction payment. This includes, but is not limited to, the above. Asset transaction metadata is asset Proof of payment, transacted by the network 114 or any other external entity. It can be used as a means of verifying and / or matching (for example, Set Network 114 wants to request a commission from Processing Server 106 (In some cases). Payment status tokens include non-fungible ERC 721 tokens, ERC 20 tokens, etc. Any suitable cryptographically verifiable messaging token, not limited to these: ru.

[0070] In S504, the processing server 106 receives a guarantee token (for example, generated in S318). The guarantee token is sent to the second financial institution 108. The second financial institution 108 is S506 The guarantee token is received from processing server 106. From S506, processing 500 is, Process 300 proceeds to S346-S368.

[0071] In S508, processing server 106 generates an asset request transaction. The requested transaction includes, but is not limited to, the following: payment status token , the digital address of the receiving party of the receiving computing device 102, the transmitting computer Digital address of the transmitting party of the processing device 110, and identification information of the asset. Processing server 106, in S510, sends an asset request transaction to asset network 114. Send this message.

[0072] In S512, the asset network 114 (for example, the asset network 114) One or more nodes receive asset requests from processing server 106. Asset requests are , smart contracts associated with asset network 114 and / or assets It can be received by the asset network 114. The asset network 114 processes the asset request. The server 106 can receive directly, or the processing server 106 can receive the asset at S511. Request to a blockchain network (e.g., blockchain network 116) It can be sent to, and also to nodes and blocks within the asset network 114. Any other node in the chain network 116 blocks the asset request at S512. It can be received as a node within chain network 116.

[0073] Asset network 114 processes asset requests in S514, and also assets Transactions can be generated. For example, asset network 114 is The payment status token included in the set request is for asset network 114 and / or Ace This verifies that it is possible to unlock the smart contract associated with the . This is possible. Asset transactions include, but are not limited to, the following: Digital address of the receiving party and transmitting computer of the communication computing device 102 Digital address of the transmitting party of the wing device 110. In S516, the asset network 114 processes asset transactions on server 106 and / or blockchain Send to network 116. In S518, blockchain network 116 , receive asset transactions from asset network 114. From S516 Process 500 proceeds to steps S328-S340 of process 300.

[0074] From S514, process 500 can proceed to S520, and asset network 1 14 transfers the payment status token to the second financial institution 108 (S522) and / or processing service Send to B106 (S524). Second financial institution 108 and / or processing server 106 It can receive payment status tokens directly from asset network 114, or In other words, Asset Network 114 uses payment status tokens on the blockchain network. It can be sent to (for example, blockchain network 116), and also to the second Financial institutions 108 and / or processing servers 106 and blockchain network 116 Any other node in the blockchain network 116 can send payment status tokens to the node. It can be received as a dot. S520~S524 is optional in processing 500. Furthermore, the asset network 114 can hold payment status tokens. In terms of application methods, S520-S524 and S504-S368 are performed simultaneously or sequentially. It is possible.

[0075] Transaction settlement and smart contracts using guarantee tokens and payment status tokens Exemplary methods for access Figures 6A-6B show an exemplary embodiment using a guarantee token and a payment status token. Method 600 for accessing ranzaction settlements and smart contracts is described.

[0076] In S602, the receiving device (for example, the receiving device) of the processing server (for example, processing server 106) 202) receives a transaction from the first financial institution (for example, the first financial institution 104). The request is received. The transaction request includes the receiving party's digital address and the first financial An institution (for example, the first financial institution 104) sends an email to the recipient's digital address. The digital tokens issued, the sender's address, and the asset network's identification. (For example, the identifiers of asset network 114) and the identifiers of the asset are reduced This includes, but is not limited to, digital tokens. Tokens, CBDC, or any other suitable digital for transactions within System 100 It can be a coin, but is not limited to these. Recipient's digital address, Set network identification, sending party digital address, and asset identification This is a digital asset contract (purchasing or procuring assets from asset network 114). It can include a contract to do so. Asset Network 114 is a non-fungible token It can be a marketplace for NFTs (non-fungible tokens), and assets are N It can be set to FT.

[0077] In S604, the generation module of the processing server (for example, processing server 106) (for example, The generation module 216) generates a guarantee token for the digital token. The guarantee token includes the processing unit's digital address. The guarantee token is issued to the first financial institution ( For example, talk about digital tokens issued by the first financial institution 104) This is a guaranteed system. For example, the processing server 106 is based on the value of the digital token. Generate a guarantee token. The guarantee token is processed by the processing server regarding the value of the digital token. This represents a legal claim against 106. Processing server 106 is (for example, query module 2 (using 14) Assets on the asset network 114 associated with the asset Smart contracts can be identified. An asset smart contract is one per asset. The above asset purchase requirements may be included. When generating a Kun, the processing server 106 ensures that the guarantee token is on the asset network 1 Utilize one or more requirements of the smart contract to unlock assets from 14 onwards. It is possible.

[0078] In S606, the generation module of the processing server (for example, processing server 106) (for example, The generation module 216) generates a payment status token. The payment status token is an asset. Associated with the identifier of the asset (for example, the identifier of the asset in the transaction request) This is a tokenized payment authorization message regarding a payment for an asset. State tokens contain metadata for asset transactions. The metadata includes transaction references, transaction payment confirmations, Asset identification, indication of transaction payment default, and transaction payment delays. Includes, but is not limited to, one or more indications of stagnation. Asset transaction metadata The data is used by Asset Network 114 or any other external entity for payment. It can be used as evidence, transaction verifiability, and / or matching. (For example, the asset network 114 requests a commission from the processing server 106) (If you wish to request it). Payment status tokens are non-fungible ERC 721 tokens, ERC 20 tokens. This includes, but is not limited to, any appropriate cryptographically verifiable message such as Kun. It is a token. Processing server 106 uses a private blockchain to process the payment status token. It can be generated on a chain network (for example, blockchain network 116), A private blockchain network uses payment status tokens in a private blockchain Smart transfer from the chain network to asset network 114 This includes contracts, which are described later in S610.

[0079] In S608, the generation module of the processing server (for example, processing server 106) (for example, The generation module 216) generates an asset request transaction. The transaction includes, but is not limited to, the following: Payment status talk n, the digital address of the receiving party (for example, the digital address of the receiving computing device 102) Digital address of the sending party (e.g., sending computing device 11) (Digital address of 0), and asset identification details.

[0080] In S610, the transmitting device (e.g., transmitting device) of the processing server (e.g., processing server 106) (Place 220) Asset request transactions are handled by the asset network (for example, asset The data is sent to network 114). Processing server 106 processes the asset request transaction. The data can be sent directly to the asset network 114, or the processing server 106 can send the data to the asset network 114. A request transaction on a blockchain network (for example, blockchain It can be sent to network 116, and also within asset network 114 Nodes and any other nodes on the blockchain network 116 are asset request traffic Transactions can be received as a node within the blockchain network 116. Cut.

[0081] In S612, the transmitting device (e.g., transmitting device) of the processing server (e.g., processing server 106) (Place 220) The guarantee token is sent to the sending party's address (e.g., the sending computing device A second financial institution (for example, a second financial institution) associated with the digital address of 110 Send to financial institution 108).

[0082] In S614, the receiving device (for example, the receiving device) of the processing server (for example, processing server 106) (Place 202) Asset transactions are handled by the asset network (for example, the asset network Received from the nodes and / or transmitting computing device 110 of the network 114 Asset transactions include, but are not limited to, the following: Set, receiving party digital address (for example, the digital address of receiving computing device 102) Digital address), and the sender's digital address (e.g., sender computing Digital address of device 110). In some embodiments, asset transactions This can be received by smart contract on processing server 106. Several implementations In terms of form, an asset transaction can include a payment status token. For example, Asset Network 114 uses payment status tokens Once payment for the above assets has been confirmed, Asset Network 114 The payment status token is returned to the processing server 106. Alternatively, the asset network 11 4 sends the payment status token to the second financial institution 108, or to the asset network 1 14 can hold and store payment status tokens, or hold and destroy them. ru.

[0083] In S616, the generation module of the processing server (for example, processing server 106) (for example, The generation module 216) generates the asset transfer transaction. Asset transfer transactions include the following: This includes, but is not limited to: the digital address of the receiving party (for example, the receiving computer Digital address of the sending device 102), digital address of the sending party (for example, send Digital address of the computing device 110, and asset identification details. S6 In 18, the transmitting device (e.g., transmitting device 22) of the processing server (e.g., processing server 106) 0) The recipient of the asset transfer transaction has a digital address (e.g., It is then transmitted to the digital address of the receiving computing device 102. In this embodiment, Processing server 106 processes only the assets instead of the entire asset transfer transaction. It can send. In some embodiments, asset transfer transactions The contract can be generated on processing server 106 via smart contracts.

[0084] From S618, process 600 can proceed to S416-S420 of process 400. ru.

[0085] Computer System Architecture Figure 7 shows a computer system 700, in which embodiments of the present disclosure or A portion of it may be implemented as computer-readable code. For example, processing server 106 Furthermore, within the blockchain network 116 in Figure 1 and the processing server 106 in Figure 2 A blockchain node is a non-transient computer with hardware and stored instructions. Data-readable media, or a combination thereof, are implemented within the computer system 700. Often, this may be implemented in one or more computer systems or other processing systems. The hardware consists of modules and components used to implement the methods shown in Figures 3A to 6B. It is possible to bring ideas into reality.

[0086] When programmable logic is used, such logic is an executable software. It runs on a commercially available processing platform composed of Wear Code, and is specific It may be an application device or a special purpose device (for example, a programmable logic array, special Applied integrators (ASICs), etc. A person skilled in the art would know that embodiments of the disclosed matters are It is understood that this can be executed in various computer system configurations. This includes multi-core multi-processor systems, minicomputers, and mainframe computers. Computers and computers linked or clustered with distributed functions, and essentially This includes a general-purpose or miniature computer that can be implemented in almost any device. For example, At least one processor device and memory are used to implement the above embodiment. You may do so.

[0087] The processor unit or device of this disclosure comprises a single processor, multiple processors, or These combinations are acceptable. A processor device has one or more processor "cores". This disclosure refers to "computer program media" and "non-temporary computer-readable media." The term "computer-compatible media" generally refers to tangible media (e.g., removable media). Storage unit 718, removable storage unit 722 and hard disk This term is used to refer to hard disks, etc., installed within drive 712.

[0088] Various embodiments of this disclosure are described in relation to this exemplary computer system 700. After reading this disclosure, a person skilled in the art will be able to use other computer systems and / or computers. How to implement this disclosure using a computer architecture is self-evident. The operation is Although disclosed as a sequential process, some operations actually occur concurrently and simultaneously. It may be executed in a distributed environment. In this case, the program code is on a single processor. To be accessed by a single or multiprocessor machine, locally or remotely It is in a stored state. Furthermore, in some embodiments, the order of operations is disclosed. It is possible to rearrange the items without deviating from the intent of the items.

[0089] The processor device 704 is configured specifically for a particular purpose or to perform the functions of the present disclosure. It may be a general-purpose processor device. The processor device 704 is a communication infrastructure 706 (e.g., bus, message queue, network, multicore message path skim) The network may be connected to any network suitable for performing the functions of this disclosure. It may be a network, such as a local area network (LAN) or a wide area network. Network (WAN), wireless network (e.g., Wi-Fi), mobile communication network satellite networks, internet, fiber optics, coaxial cables, infrared, radio frequencies (RF) or any combination thereof may include other suitable network types and configurations. The result is obvious to those skilled in the art. The computer system 700 also has main memory 7 08 (for example, random access memory, read-only memory, etc.) may be included, and supplement It may include auxiliary memory 710. The auxiliary memory 710 is connected to the hard disk drive 712. Removable storage drives 714 (e.g., floppy disk drives, magnetic tape drives) This may include drives, optical disc drives, flash memory, etc.

[0090] The removable storage drive 714 is a removable storage unit in a well-known manner. You may read from and / or write to Knit 718. The removable storage unit 718 is a removable storage drive 714. Includes a removable storage medium that can be read from and written to. That's fine. For example, if the removable storage drive 714 is a floppy disk drive If it is a USB port, the removable storage unit 718 is, respectively, It may be a fast disk or a portable flash drive. In one embodiment, The removable storage unit 718 is a non-temporary computer-readable recording medium. good.

[0091] In some embodiments, the auxiliary memory 710 includes alternative means, and the computer program M or other instructions to computer system 700 (e.g., removable storage unit) It may be possible to load it onto interface 722 and interface 720. Examples of stages include program cartridges and carts (found in video game systems, for example). Cartridge interface, removable memory chip (e.g., EEPROM, PROM, etc.) ) and related sockets, as well as other removable storage units 722 and interfaces Face 720 may be included. This is obvious to those skilled in the art.

[0092] Computer system 700 (for example, main memory 708 and / or auxiliary memory 7 Data stored in 10 can be stored on any type of suitable computer-readable medium (e.g., For example, optical storage (compact discs, digital multipurpose discs, Blu-ray discs, etc.) ) or may be stored on magnetic tape storage (e.g., a hard disk drive). The data can be stored in any type of appropriate database configuration (e.g., relational database, Structured Query Language (SQL) databases, distributed databases, object databases It may consist of (etc.). Appropriate configurations and storage types are obvious to those skilled in the art. .

[0093] The computer system 700 may also include a communication interface 724. Interface 724 is a software and data interface that connects to computer system 700 and external It may be possible to send and receive data between the device and the device. An example communication interface 724 is , modem, network interface (e.g., Ethernet card), communication port, P May include CMCIA slots and cards, etc. Transferred via communication interface 724. The software and data to be used may be in signal format. Such signal format may be electronic, electromagnetic. The signal may be of air, light, or other signals obvious to those skilled in the art. The signal is transmitted via a communication path. It is transmitted via 726, which is configured to transmit signals, and is connected to wires, cables, and optical fiber. It may be implemented using fiber optics, telephone lines, mobile phone links, radio frequency links, etc.

[0094] The computer system 700 may further include a display interface 702. The Toughface 702 is a computer system 700 and an external display 730. It may be configured to allow transfer between. Exemplary display interface The 702 features a high-definition multimedia interface (HDMI), digital visual interface This may include interfaces such as DVI and video graphics arrays (VGA). The 730 may be any suitable type of display, and may be a computer system The data is displayed via the display interface 702 of the 700, CRT (Chronic Ray-Turn) displays, liquid crystal displays (LCDs), light-emitting diodes (LEDs) D) Displays, capacitive touch displays, thin-film transistor (TFT) displays Includes sprays, etc.

[0095] Computer program media and computer-usable media include memory (e.g., May This refers to the main memory 708 and auxiliary memory 710), and is a semiconductor memory (DRAM, etc.). That's fine. These computer program products are software for the Computer System 700. It may be a means of providing software. Computer program (e.g., computer The data control logic is stored in the main memory 708 and / or auxiliary memory 710. Good. The computer program is also received via the communication interface 724. Yes. When such a computer program is executed, the computer system 700 It may be possible to enable the computer program to perform the method of this disclosure. In particular, the computer program may be When this is done, the processor device 704 will proceed as described herein, as shown in Figures 3A to 6B. This can make it possible to implement the law. Therefore, such computer programs Gram represents the controller of the computer system 700. This disclosure uses software It is implemented using the following: The software is installed on a removable storage drive 714, Interface 720, and hard disk drive 712 or communication interface 724 Using this method, the computer program product is stored and loaded into the computer system 700. It's okay to be beaten.

[0096] The processor unit 704 is configured to perform the functions of the computer system 700. It may include one or more modules or engines. Each module or engine is a It may be implemented using hardware, and in some embodiments, this is software (for example, this , program code or program stored in main memory 708 or auxiliary memory 710 (corresponding to the m) may be used. In such embodiments, the program code is computer Before execution by the hardware of system 700, the processor unit 704 (for example) For example, it may be compiled by a compilation module or engine. Program code is written in a programming language that is translated into a low-level language. This may be code (e.g., assembly language or machine code). To any additional hardware components of the 704 and / or computer system 700 Therefore, it is for execution. The compilation process involves lexical analysis, preprocessing, and syntactic analysis. And semantic analysis, syntactic-driven translation, code generation, code optimization, and computer systems Program code into a low-level language suitable for controlling the Tem 700 and performing the functions of this disclosure. This may include the use of any other techniques suitable for translating the code. The computer system 700 is uniquely programmed to perform the above functions. It is obvious to those skilled in the art that this will result in a specially configured computer system 700.

[0097] The technology consistent with this disclosure also has other features, but when scanning using a dental imaging device This provides a system and method for generating digital 3D representations of dental objects. Various exemplary embodiments of disclosure systems and methods are described above, but they are not intended to be limited in scope. Please understand that these are provided for illustrative purposes only. They are not exhaustive, and this disclosure does not cover all disclosures. It is not limited to the given form itself. Modified and modified examples are possible in light of the above instructions. Modifications and variations may be obtained from implementations of this disclosure without departing from the scope or category. The operation is disclosed as sequential processing, but some operations are actually parallel. It may be executed simultaneously and / or in a distributed environment. In this case, the program code is single To be accessed by a single-processor or multi-processor machine, locally Or it is stored remotely. Furthermore, in some embodiments, the order of operations is The information disclosed can be rearranged without departing from the intent of the disclosed information. A person skilled in the art will understand this disclosure. Therefore, it is possible to implement it in other specific forms without deviating from its spirit or essential characteristics. This should be understandable. Therefore, the embodiments currently disclosed are considered illustrative in all respects. It is something to be considered, not something to be limitedly considered. Rather than the explanation above, it is a disclosure. The scope is indicated by the attached claims, and their meaning, category, and equivalents are also shown. It is intended that all modifications that fall under the category of sex are encompassed by it.

Claims

1. A method of transaction settlement using a guarantee token, wherein the method is The receiving device of the processing server receives a transaction request from the first financial institution. A step in which the transaction request includes the digital address of the receiving party and the first Digital talk issued by the financial institution to the aforementioned recipient's digital address The sender's address, the asset network identifier, and the asset identifier. Steps including at least, The generation module of the processing server generates a guarantee token for the digital token. A step of generating a token, wherein the guarantee token is issued by the first financial institution. The tokenized guarantee of the aforementioned digital token is a step, The generation module of the processing server generates the asset request transaction. The step is to have the asset request transaction include the guarantee token and the receiving The digital address of the sender, the digital address of the sender, and the identification details of the asset. Steps including at least, The transmission device of the processing server transmits the asset request transaction to the asset The step of sending to the network, The receiving device of the processing server receives asset traffic from the asset network. A step of receiving an transaction, wherein the asset transaction is the asset And, the digital address of the receiving party and the digital address of the sending party are reduced to This also includes steps, The generation module of the processing server performs asset transfer transactions A step of generating an asset transfer transaction, wherein the asset transfer transaction is the received The digital address of the sender, the digital address of the sending party, and the identification details of the asset. Steps including at least, The transmission device of the processing server transmits the asset transaction to the receiving A method including the step of sending to the person's digital address.

2. The method according to claim 1, wherein the processing server, the first financial institution, and the second The financial institutions are part of the blockchain network, and the aforementioned transaction requests and the asset request transaction, the asset transaction, and the asset A blockchain transfer transaction is a blockchain transaction on the aforementioned blockchain network. A method of recording on a chain.

3. The method according to claim 1, further, The receiving device of the processing server receives a redemption request from the second financial institution. Step, wherein the redemption request includes the guarantee token, The generation module of the processing server generates the settlement transaction message. The step is to make the settlement transaction message and the digital token , the first financial institution provides equivalent fiat currency for the digital tokens to the second financial institution. Steps including at least an order to send to a financial institution, The transmission device of the processing server transmits the settlement transaction message A method including the step of sending to a first financial institution.

4. In the method according to claim 3, the digital token is a digitized deposit A token, a method.

5. In the method according to claim 1, the processing server uses the guarantee token in a private type Generated on the blockchain network, and the aforementioned private blockchain network The network will transfer the aforementioned guarantee tokens from the aforementioned private blockchain network. A method including a smart contract for transferring assets to the asset network.

6. The method according to claim 1, wherein the receiving party's digital address, the asset network The network identification details, the digital address of the transmitting party, and the asset identification details are , including digital asset agreements, and other methods.

7. The method according to claim 1, wherein the asset request transaction is the asset The step of sending to the network is to send the asset request transaction to the asset A method that includes sending data to a smart contract on a network.

8. In the method according to claim 1, the asset network is a non-fungible token (NF T is a marketplace for non-fungible tokens, and the aforementioned assets are NFTs. method.

9. In the method according to claim 1, the asset is received from the asset network. The steps of: a method executed by the processing server using a smart contract.

10. The method according to claim 1, further, The processing server identifies the asset smart contract on the asset network. The step is to have the asset smart contract have one or more asset purchase requirements. This includes the step, The aforementioned guarantee token is generated to unlock the asset smart contract. Law.

11. A transaction settlement system that uses guarantee tokens, A receiving device of a processing server that receives a transaction request from a first financial institution, The transaction request includes the recipient's digital address and the first financial institution. The digital token issued to the aforementioned receiving party's digital address, and the sending party Digital addresses, asset network identifiers, and asset identifiers are used to minimize the number of identifiers. Including the receiving device, A generation module of the processing server that generates a guarantee token for the digital token. A token, wherein the guarantee token is the digital token issued by the first financial institution. A tokenized guarantee of -kun, a generating module, The generation module of the processing server generates an asset request transaction. The asset request transaction includes the guarantee token and the receiving party digital The digital address, the digital address of the sending party, and the identification details of the asset are reduced This also includes the generation module, The process sends the aforementioned asset request transaction to the asset network. Including the server's transmitting device, The receiving device of the processing server receives asset transactions from the asset network. The transaction is received, and the asset transaction is the asset and the received Including at least the digital address of the party and the digital address of the transmitting party, The generation module of the processing server generates asset transfer transactions. The asset transfer transaction is performed by the receiving party digitally. The address, the digital address of the sending party, and the identification details of the asset are reduced to a minimum. This also includes, The transmitting device of the processing server transmits the asset transaction to the receiving party. A system that sends data to a digital address.

12. In the system according to claim 11, the processing server, the first financial institution, and The second financial institution is part of the blockchain network, and the aforementioned transaction The request, the asset request transaction, the asset transaction, and the previous The asset transfer transaction is a blockchain transaction on the aforementioned blockchain network. A system recorded on a data chain.

13. In the system according to claim 11, further, The receiving device of the processing server receives a redemption request from the second financial institution. The redemption request includes the aforementioned guarantee token, The generation module of the processing server generates settlement transaction messages. Therefore, the settlement transaction message is the digital token and the digital Regarding the token, an equivalent fiat currency is sent from the first financial institution to the second financial institution. The command to do at least includes, The transmission device of the processing server transmits the settlement transaction message to the first A system for sending information to financial institutions.

14. In the system according to claim 13, the digital token is a digitized deposit A system that uses a JIT token.

15. In the system according to claim 11, the processing server privately uses the guarantee token. Generated on a private blockchain network, and the private blockchain The network uses the guarantee tokens on the private blockchain network. A system including a smart contract for transferring assets from the aforementioned asset network.

16. In the system according to claim 11, the receiving party's digital address, the asset Network identification details, the digital address of the transmitting party, and the identification of the asset. The matters include the system, including the digital asset agreement.

17. In the system according to claim 11, the asset request transaction is the asset Sending to the network means that the asset request transaction A system that includes sending data to smart contracts on a network.

18. In the system according to claim 11, the asset network is a non-fungible token It is a marketplace for NFTs (non-fungible tokens), and the aforementioned assets are NFTs. A system.

19. In the system according to claim 11, the assets are obtained from the asset network. Receiving and transmitting the said asset to the said receiving party's digital address is A system executed by the aforementioned processing server using smart contracts.

20. In the system according to claim 11, further, The processing server identifies the asset smart contract on the asset network. Therefore, the aforementioned asset smart contract has one or more asset purchase requirements, The aforementioned guarantee token is generated to unlock the asset smart contract, Stem.

21. A transaction settlement method using a guarantee token and a payment status token, The method is, The receiving device of the processing server receives a transaction request from the first financial institution. A step in which the transaction request includes the digital address of the receiving party and the first Digital talk issued by the financial institution to the aforementioned recipient's digital address The sender's address, the asset network identifier, and the asset identifier. Steps including at least, The generation module of the processing server generates a guarantee token for the digital token. A step of generating a token, wherein the guarantee token is issued by the first financial institution. The tokenized guarantee of the aforementioned digital token is a step, The process server generates a payment status token using the generation module. The payment status token is associated with the asset's identification. The tokenized payment authorization message for the payment is the step, The generation module of the processing server generates the asset request transaction. The step is to have the asset request transaction use the payment status token and the previous The digital address of the receiving party, the digital address of the sending party, and the identification of the asset. Steps and including at least the following items, The transmission device of the processing server transmits the asset request transaction to the asset The step of sending to the network, The transmission device of the processing server transmits the guarantee token to the sending party address The step of sending to a second financial institution associated with it, The receiving device of the processing server receives asset traffic from the asset network. A step of receiving an transaction, wherein the asset transaction is the asset And, the digital address of the receiving party and the digital address of the sending party are reduced to This also includes steps, The generation module of the processing server performs asset transfer transactions A step of generating an asset transfer transaction, wherein the asset transfer transaction is the received The digital address of the sender, the digital address of the sending party, and the identification details of the asset. Steps including at least, The transmission device of the processing server transmits the asset transaction to the receiving A method including the step of sending to the person's digital address.

22. In the method according to claim 21, the asset transaction further comprises the payment invoice A method that includes a state token.

23. The method according to claim 21, wherein the processing server, the first financial institution, and the The financial institutions mentioned in point 2 are part of the blockchain network and the aforementioned transaction requirements Request, the asset request transaction, the asset transaction, and the A A set transfer transaction is a block in the aforementioned blockchain network. A method of recording data on a chain.

24. In the method according to claim 21, the processing server privately stores the payment status token. Generated on a private blockchain network, and the private blockchain The network uses the payment status tokens on the private blockchain network. A method including a smart contract for transferring assets from a work to the aforementioned asset network.

25. The method according to claim 21, wherein the asset request transaction is the asset The step of sending to the network is to send the asset request transaction to the asset This includes transmitting to a smart contract on the network, and the payment status token is the A A method for unlocking the aforementioned smart contract on a set network.

26. In the method according to claim 21, the payment status token is an asset transaction The metadata of the asset transaction includes: Transaction Reference, transaction payment confirmation, identification of the said asset, transaction A method including one or more indications of default on transaction payments and / or delay in transaction payments. 。

27. In the method according to claim 21, the payment status token is a non-fungible ERC-721 token. The method.

28. A transaction settlement system using guarantee tokens and payment status tokens. 、 A receiving device of a processing server that receives a transaction request from a first financial institution, The transaction request includes the recipient's digital address and the first financial institution. The digital token issued to the aforementioned receiving party's digital address, and the sending party Digital addresses, asset network identifiers, and asset identifiers are used to minimize the number of identifiers. Including the receiving device, A generation module of the processing server that generates a guarantee token for the digital token. A token, wherein the guarantee token is the digital token issued by the first financial institution. A tokenized guarantee of -kun, a generating module, The generation module of the processing server generates a payment status token, and the payment Payment status tokens are payments for assets associated with the asset's identification. This is a tokenized payment authorization message, The generation module of the processing server generates an asset request transaction. The asset request transaction includes the payment status token and the receiving party data. The digital address, the digital address of the sending party, and the identification details of the asset are used to reduce the amount of data. Even if not included, the generation module, The process sends the aforementioned asset request transaction to the asset network. Including the server's transmitting device, The transmitting device of the processing server associates the guarantee token with the sending party address. Send to the second financial institution that is attached. The receiving device of the processing server receives asset transactions from the asset network. The transaction is received, and the asset transaction is the asset and the received Including at least the digital address of the party and the digital address of the transmitting party, The generation module of the processing server generates asset transfer transactions. The asset transfer transaction is performed by the receiving party digitally. The address, the digital address of the sending party, and the identification details of the asset are reduced to a minimum. This also includes, The transmitting device of the processing server transmits the asset transaction to the receiving party. A system that sends data to a digital address.

29. In the system according to claim 28, the asset transaction further supports A system including a payment status token.

30. In the system according to claim 28, the processing server, the first financial institution, and The second financial institution is part of the blockchain network, and the aforementioned transaction The request, the asset request transaction, the asset transaction, and the previous The asset transfer transaction is a blockchain transaction on the aforementioned blockchain network. A system recorded on a data chain.

31. In the system according to claim 28, the processing server puts the payment status token into Generated on an inactive blockchain network, the private blockchain The chain network uses the payment status tokens on the private blockchain network. A system including a smart contract for transferring assets from the network to the asset network Hmm.

32. In the system according to claim 28, the asset request transaction is the asset Sending to the network means that the asset request transaction is sent to the asset This includes transmitting to a smart contract on the network, and the payment status token is the A A system for unlocking the aforementioned smart contract on the set network.

33. In the system according to claim 28, the payment status token is an asset transaction The metadata of the asset transaction includes the transaction metadata, and the metadata of the asset transaction is: transaction Transaction reference, transaction payment confirmation, identification of the said asset, transaction Including one or more of the following markings: default on transaction payment and / or delay on transaction payment. system.

34. In the system according to claim 28, the payment status token is a non-fungible ERC-721 token. It is Kun, the system.

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