Method and system for transferring digital tokens to and from physical cards

Abstract

To provide a method and system for transferring digital tokens with a physical-settlement card.SOLUTION: A method for transferring digital tokens with a physical-settlement card, in a system 100, includes: receiving a plurality of digital tokens issued from a central bank 109, on a processing server 102; and transferring the plurality of digital tokens from the processing server to physical-settlement means 110. The physical-settlement means is to be used with use of point-of-sale information management (POS) 114.SELECTED DRAWING: Figure 1

Description

Cross - reference to related applications

[0001] This application claims the benefit of U.S. Provisional Patent Application No. 62 / 992,842, filed on March 20, 2020. The content of the provisional application is incorporated herein by reference for all purposes. The content of that provisional application is incorporated herein by reference for all purposes.

Technical Field

[0002] The present disclosure relates to a method and system for transferring digital tokens to and from a physical payment card. More specifically, it relates to a method and system for transferring digital tokens from a central bank to one or more insurers of a physical payment card. The present disclosure relates to a method and system for transferring digital tokens from a central bank to one or more insurers of a physical payment card. The present disclosure relates to a method and system for transferring digital tokens from a central bank to one or more insurers of a physical payment card.

Background Art

[0003] Payment means include, for example, credit cards, virtual payment cards, checks, etc. Payment means can be encoded using payment authentication information corresponding to a transaction account, include payment authentication information, or can be associated with payment authentication information. Payment authentication information can include any data that must be communicated as part of a transaction process for a transaction funded through the associated transaction account, such as, for example, a representative account number, expiration date, and security code. Payment means can be encoded using payment authentication information corresponding to a transaction account, include payment authentication information, or can be associated with payment authentication information. Payment authentication information can include any data that must be communicated as part of a transaction process for a transaction funded through the associated transaction account. Payment authentication information can include any data that must be communicated as part of a transaction process for a transaction funded through the associated transaction account. Payment authentication information can include any data that must be communicated as part of a transaction process for a transaction funded through the associated transaction account, such as, for example, a representative account number, expiration date, and security code. Payment authentication information can include any data that must be communicated as part of a transaction process for a transaction funded through the associated transaction account, such as, for example, a representative account number, expiration date, and security code.

[0004] It is desirable to have a technical system that enables a payment network to provide a physical payment card that includes digital tokens that can be used with point - of - sale (POS) information management. It is desirable to have a technical system that enables a payment network to provide a physical payment card that includes digital tokens that can be used with point - of - sale (POS) information management. It is desirable to have a technical system that enables a payment network to provide a physical payment card that includes digital tokens that can be used with point - of - sale (POS) information management.

Summary of the Invention

[0005] The present disclosure provides an explanation of a system and method for transferring digital tokens to and from a physical payment card. The present disclosure provides an explanation of a system and method for transferring digital tokens to and from a physical payment card.

[0006] A method for transferring digital tokens between physical payment cards is disclosed. The law requires that the processing server receive multiple digital tokens issued by the central bank. This includes transferring multiple digital tokens from the processing server to a physical payment card. The physical payment card is configured to be used with a POS system.

[0007] A system for transferring digital tokens between physical payment cards will be disclosed. This system includes a processing server. This processing server receives multiple digital documents issued by the central bank. Receiving Tal tokens and transferring multiple digital tokens to a physical payment card. It is configured to perform the following actions. Physical payment cards are point-of-sale (POS) systems. It is configured to be used with [a specific method / tool].

[0008] Exemplary embodiments are best described in the following detailed description when read in conjunction with the accompanying drawings. These are illustrative embodiments, and the claimed invention is not limited thereto. It is emphasized that it cannot be done. The following diagram is included in the drawing. [Brief explanation of the drawing]

[0009] [Figure 1] This block diagram shows a high-level system architecture for transferring digital tokens to and from physical payment cards, according to an exemplary embodiment. [Figure 2] This block diagram shows the processing server in Figure 1 for transferring digital tokens between physical payment cards. [Figure 3] This flowchart shows an exemplary method according to an exemplary embodiment. [Figure 4]This block shows a computer system architecture according to an exemplary embodiment. [Modes for carrying out the invention]

[0010] Further areas of application of this disclosure will become apparent from the detailed description provided below. The detailed description of the exemplary embodiments is intended for illustrative purposes only, and therefore Please understand that this is not necessarily intended to limit the scope of this disclosure.

[0011] <Glossary> Blockchain - All transactions of a currency or network based on blockchain A public ledger. One or more computing devices include a blockchain network. This allows for the processing and recording of transactions as part of a block within the blockchain. It can be configured in this way. When the block is completed, the block is a block chain. It is added to the blockchain, and the transaction record is updated accordingly. In many cases, the blockchain , can be used as a ledger of transactions in chronological order, or by a blockchain network It can be presented in any other order suitable for use. In one configuration, block Transactions recorded within a chain may include destination addresses and currency amounts, and blocks The chain records how much of the currency can belong to a particular address. In the example, one transaction is financial and another is not, or the transaction is a source address , may include additional or different information such as timestamps. In one embodiment Blockchain data can be tampered with and modified, either by an operator or by an alternative. within a distributed database that maintains a continuously growing list of enhanced data records for placement, or that may need to be placed, in almost any form of transaction that can include almost any type of data. A blockchain can be confirmed and verified by a blockchain network through proof of work and / or any other suitable verification techniques associated therewith. In some cases, the data for a given transaction can further include additional data that is not directly part of the transaction added to the transaction data. In some instances, including such data in the blockchain can constitute the transaction. In such instances, the blockchain may not be directly associated with a particular digital currency, virtual currency, fiat currency, or other type of currency.

[0012] Payment network - A system or network used for the transfer of money through the use of cash substitutes for thousands, millions, or even billions of transactions during a given period. Payment networks can use various different protocols and procedures to process the transfer of money for various types of transactions. Transactions that can be executed through a payment network can include purchases of products or services, credit purchases, debit transactions, fund transfers, account withdrawals, etc. A payment network can be configured to execute transactions through cash substitutes that can include payment cards, letters of 信用状 credit, checks, trading accounts, etc. Examples of networks or systems configured to operate as a payment network are Mastercard®, VISA®, Discover® American Express (registered trademark), PayPal (registered trademark), etc. This includes those that operate in this manner. The use of the term “payment network” in this specification is intended to be understood by the public. The payment network as TIT, and the equipment, hardware, and This can refer to both physical payment networks and software.

[0013] Payment Rail - Processing of payment transactions, communication of transaction messages, and payment network A settlement network that processes thousands, millions, or even billions of transactions within a given period of time. The resolution used in the communication of other similar data between connected entities. Infrastructure associated with a payment network. Payment rail is the infrastructure associated with a payment network. Networks and payment networks and other associated entities (financial institutions, gateways) The interconnection between (such as a WAY processor) and the hardware used to establish it. It can be configured as follows. Also, in one case, the payment rail is a communication hardware Software, such as through a special program with the device including the payment rail. It can be affected. For example, payment rails are specially configured computing It may include a device. This device is specially configured for routing transaction messages. This transaction message will be discussed in more detail below regarding the payment rail. It can be a specially formatted data message transmitted electronically via [a specific method]. Cut.

[0014] Third-party suppliers or sellers - purchases by consumers or other entities such as other sellers An entity that provides products (e.g., goods and / or services) for the purpose of [something]. The seller is Purchases that are obvious to consumers, retailers, wholesalers, manufacturers, or those skilled in the art. It can be any other type of entity that can provide the product. In one case, The seller possesses special knowledge in the goods and / or services offered for purchase. It is possible. In other cases, the seller does not possess any special knowledge regarding the products offered. It may not have or not require a single transaction. The entity that participates may be considered a seller. In some cases, as specified herein As used in this context, the term "seller" refers to the equipment or devices of the seller's entity. It is possible.

[0015] Issuer - Establishes (e.g., opens) a letter of credit or credit limit for the beneficiary, and the letter of credit or An entity that receives a bill of exchange issued by the beneficiary for an amount designated as the credit limit. T. In many cases, the issuer is authorized to open a bank or credit limit. It can be a financial institution. In one case, it is possible to increase the credit limit for the beneficiary. Any entity that can be considered an issuer may be established by the issuer. The credit limit may also be expressed in the form of a settlement account, and the beneficiary can use the settlement card. It is also acceptable to withdraw it. Furthermore, the issuer can use debit accounts, prepaid accounts, and e-wallet accounts. Additional types of settlement accounts, such as bank accounts, savings accounts, and current accounts, as would be apparent to those skilled in the art. It can be offered to consumers as a debit card, prepaid card, or ATM card. Accessing such accounts, and / or similar accounts, such as e-wallets, checks, etc. Consumers may be provided with physical or non-physical means to use the eel account.

[0016] Acquirer (merchant acquiring company) - processes payment card transactions on behalf of the seller. An entity that can process payment cards on behalf of a bank or merchant. It can be with other financial institutions that are authorized to process the transaction. In many cases, Acquirers can establish credit limits with the seller as the beneficiary. This refers to consumers (who may be beneficiaries of the credit limit provided by the issuer). However, when a transaction is conducted with a seller represented by the acquirer via a payment card, the issuer It can be exchanged for funds.

[0017] A central bank - generally, a state or group of states, or other assets and other groups (For example, fiat currencies, cryptocurrencies, and other physical and digital currencies used by groups of people) They were given privileged control over the production and distribution of money and credit for (tax-like assets). Financial institution. In the context of this document, this term refers to a legal entity. Unless otherwise specified, this refers to the computer systems and infrastructure of a central bank.

[0018] Settlement transaction - the exchange of money or other monetary benefits from one entity to another. A transaction between two entities. A settlement transaction is for the purchase of goods or services. for the repayment of debt, or in exchange for any other monetary benefit that would be obvious to a person skilled in the art. This can be a transfer of funds for the purpose of payment. In one case, the settlement transaction is a credit card This can refer to transactions that are funded through settlement cards and / or settlement accounts. Such settlement transactions are processed through issuers, settlement networks, and acquirers. It can be done. The processes for handling such settlement transactions include approval, batch processing, It may include at least one of settlement, payment, and funding. The authorization is for consumers. Providing payment details to the seller and transaction details from the seller to the acquirer (e.g., payment details) Submission of (including completed details) and the consumer's settlement account used to fund the transaction. This may include verification of settlement details with the bank. Batch processing is for distribution to the acquirer. Therefore, approved transactions in batch processing are stored together with other approved transactions. This can refer to the process of clearing, which involves transferring funds from the acquirer to the settlement network for processing. This may include sending a processed transaction. Settlement is a transaction in which the issuer's beneficiaries are involved. This may include issuer withdrawals by the payment network. The issuer can pay the acquirer via the payment network. Other examples The issuer can then pay the acquirer directly. The funding is then settled. The settlement transaction may include the settlement from the acquirer to the seller. The sequence and / or classification of the above steps performed as part of the extraction process will be obvious to those skilled in the art. It is likely.

[0019] Point of Sale (POS) - Transaction data for the purchase and / or settlement of goods and / or services. A user (for example) to enter payment data and / or other appropriate types of data. A computing device configured to receive interactions with consumers, employees, etc. This is a computing system. Point-of-sale information management is used by stores that "conduct in-store sales". Physical devices at a physical location visited by a customer as part of a transaction (e.g., cash register, (Kiosks, desktop computers, smartphones, tablet computers, etc.) This can be done, or communication from customers can be received via a network such as the internet. It can be a virtual representation in the e-commerce environment of trusted online retailers, etc. In cases where time point management may be virtual, the user performs an operation to initiate a transaction. A computing device that is used, or a computer that receives data as a result of a transaction. The sales system can be considered point-of-sale (POS) management where applicable.

[0020] Trading accounts - current accounts, savings accounts, credit accounts, virtual settlement accounts, etc., which provide funds for transactions. A financial account that can be used to provide services. A trading account is associated with a consumer. This allows consumers to use any appropriate type of entity associated with their payment account. This can be done. This entity includes individuals, families, companies, corporations, government entities, etc. It can include... In one case, the trading account is... It can be used to create virtual accounts and other virtual entities that operate on this system.

[0021] Payment card - A card or data associated with a trading account, and associated transactions It may be provided to the seller to provide funds for financial transactions via the account. The payment card is Credit cards, debit cards, charge cards, stored value cards, prepaid cards Card, Fleet card, virtual payment number, virtual card number, controlled payment number (contr This may include a linked payment number, etc. The payment card may be provided to the merchant. It can be a physical card, or (for example, a smartphone or computer) This data can represent an associated trading account (such as one stored in a communication device). Yes. For example, in one case, data including the settlement account number is linked to the associated trading account. Therefore, it can be considered a payment card for processing transactions to which funds are provided. In this context, a check may be considered a payment card where applicable.

[0022] A system for transferring digital tokens Figure 1 shows a system 100 for transferring digital tokens to and from a physical payment card. This indicates.

[0023] In one embodiment, the system 100 may include one or more issuers 108. The entity 108 is a financial institution such as a bank that issues the document, or a means of settlement (i.e., a physical means of settlement). (or physical payment card) 110 is used to fund settlement transactions, It can be any other appropriate entity configured to issue a trading account to The 106. The issuer or issuing authority 108 may issue digital tokens as part of the issuance of trading accounts. Payment methods 110 include, for example, bank-issued EMV (registered) with individual digital tokens. A trademark card can be issued. Each digital token can be converted into currency, for example. It can be an inconvertible currency that can be exchanged. The payment method 110 corresponds to the transaction account. Encoded using payment authentication information, containing payment authentication information, or related to payment authentication information. It can be attached. Settlement authentication information is used when funds are supplied via the associated trading account. For the purpose of the transaction, it may include any data that must be communicated as part of the transaction processing. For example, the representative account number, expiration date, and security code. If so, each digital token can have a value associated with a micro-transaction. Micro-trades are less expensive because the value of the digital token is relatively small and the cost of processing the transaction is lower. few.

[0024] Furthermore, System 100 provides to each of one or more issuers 108 and / or central banks 109 It may include an associated processing server 102. The processing server 102 is a block It can be one of several nodes or processors, including the chain network 104. Yes, it is possible. Blockchain network 104 can be associated with one or more blockchains. This blockchain can be managed by 108 issuers (e.g., banks) and a central Data associated with banks 109 and / or third-party suppliers (or sellers) 112 Stored from central bank 109 to each of one or more issuers 108, and central bank 109 Transfer of digital tokens from to each consumer or user 106's physical payment means 110 It can be used to record the associated transactions. Processing server 102 blocks It can be configured to generate and validate new blocks that will be added to the scene. The verification process for new blocks is performed by multiple nodes, including blockchain network 104. This may include mathematical validation of the data stored across different systems.

[0025] According to one embodiment, the central bank 109 may, for example, use digital tokens. Digital currency can be issued to multiple issuers 108. Next, multiple issuers 108 Each of these may have a third-party supplier or seller 112 with a point-of-sale (POS) system 114 In the form of an EMV card having individual digital tokens that can be used with A payment method 110 can be issued. According to one embodiment, a physical payment method 110 The above digital tokens are, for example, digital signatures and cryptographic keys for security purposes. That is, it can include a token profile.

[0026] According to one embodiment, the digital token issued to the physical payment means 110 is a prepaid It can be associated with an ID card, and this prepaid card is for the consumer or user 1 06 previously settled with issuer 108, or made digital token payments with issuer 108. This is an example of what was done. For example, digital tokens (for example, 1000 digital tokens) This is read into the physical payment means 110 via the ATM 116. This is possible. Alternatively, digital tokens can be incorporated into payment method 110. Furthermore, currency (for example, the US dollar or other monetary system for use in a particular country) ) via the payment rail between third-party supplier 112 and issuer 108 When exchanging a group of Tal Tokens or a collection of digital tokens, user 106, Settlement can be made with the issuer in accordance with the terms and conditions set forth in settlement method 110. .

[0027] According to an exemplary embodiment, the blockchain network associated with the processing server 102 Twork 104 is issued by the central bank 109 to issuer 108 and / or physical means of settlement 11 Token profile associated with a digitized payment token issued in 0. It can be configured to store each token profile. The payment token or information related to its identification (e.g., the number of digital tokens), each An associated payment in the form of a physical payment card that has a digitalized payment token. This may include means. In one example, the processing server 102 uses a token distribution platform. It can be used as a form or configured to operate as a token distribution platform. It can be part of a computing system. Furthermore, processing server 10 2 recognizes the token profile data as a result of the functions performed in connection therewith. They can be separated.

[0028] In system 100, for example, user 106 may interact with a third-party supplier or seller 1 12, or other enterprises having a means of payment (i.e., a physical payment card) 110 They may engage in financial transactions or purchases of services or products from the company. In M100, user (or consumer) 106 can use multiple digital tokens (for example, A payment card or payment method 110 having 1000 digital tokens is managed at the point of sale. (POS)114 is presented to (POS)114. POS114 is, for example, the processing server 10 of issuer 108. 2 and multiple digital payments on the payment method 110 via the blockchain network 104 It can be configured to verify the digital signature of a token.

[0029] Once the validity of the digital token is verified, POS114 will allow third-party suppliers to... In relation to the services or products purchased by the user or consumer 106, From multiple digital tokens on payment method 110 (for example, 1000 digital tokens) You can deduct some tokens (for example, 50 digital tokens). The tokens (for example, 50 digital tokens) are then used individually or, for example, in non-financial transactions. Using a group or collection of digital tokens via a payment rail such as communications It can be stored by a third-party supplier 112 until it is replaced by one of the following. ru.

[0030] Processing server Figure 2 shows one embodiment of the processing server 102 within the system 100. Embodiments of the control server 102 are provided for illustrative purposes only and are not limited to those discussed herein. It is not possible to cover all possible configurations of the processing server 102 that are suitable for performing the function. This will be obvious to those skilled in the art. For example, as shown in Figure 4 and discussed in more detail below. The computer system 400 can be configured appropriately for the processing server 102. .

[0031] The processing server 102 may include a receiving device 202. To receive data on one or more networks via the above network protocol It can be configured as follows. In one example, the receiving device 202 communicates via one or more communication methods. The issuer 108, the system 112 of a third-party supplier or seller, and other systems and This communication method can be configured to receive data from entities. For example, radio frequencies, private network infrastructure, wireless area networks, cellular communication networks These include Bluetooth, the internet, etc. In one embodiment, the receiving device 20 2 can consist of multiple devices. This could, for example, use different networks. These are different receiving devices for receiving data via a private network. A first receiving device for doing so and a second receiving device for receiving data via the Internet This includes signaling equipment. The receiving device 202 can receive electronically transmitted data signals. Yes, this data can be superimposed on or encoded onto the data signal, and received by the receiving device 20 The data signal is received by 2, and is decoded, parsed, read, or It can be obtained. In one case, the receiving device 202 includes a parsing module. The parsing module parses the received data signal and overlays it. The data is obtained. For example, the receiving device 202 may include a parser program. The parser program receives the data signal and the processing unit executes it. Convert the input into a usable input for the function and implement the methods and systems described herein. It is configured to run in rows.

[0032] The receiving device 202 receives the data signal electronically transmitted by the emitter 108. It can be configured as follows: This includes the issuer 108 (i.e., the issuing agency) as data. Authentication information can be used to verify the source, and in one case, issuer 108 (also It can include a digital signature generated via a private key associated with the issuing authority. Furthermore, the receiving device 202 may, where applicable, be connected to the system of a third-party supplier or distributor. It can be configured to receive data signals electronically transmitted by 12.

[0033] Furthermore, the processing server 102 may include a communication module 204. Section 204 is intended for use when performing the functions discussed herein, and includes modules and Data is exchanged between the engine, the database, the storage unit, and other components of the processing server 102. It can be configured to send data. The communication module 204 can transmit one or more communications. It can be composed of various types of communications within a computing device. A method can be used. For example, the communication module 204 has a bus and contact pins. It can consist of connectors, wires, etc. In one embodiment, a communication module The 204 consists of the internal components of the processing server 102, an externally connected database, a display device, It is configured to communicate with external components of the processing server 102, such as input devices. This is possible. Furthermore, the processing server 102 may include a processing unit. The processing unit is, It can be configured to perform the functions of the processing server 102 discussed in detail. In one embodiment, the processing apparatus includes a plurality of engines and / or modules, and / or It can be composed of these, which is query module 214, generation module 2 16. Verification module 218, etc., specially configured to perform one or more functions of the processing unit. To be performed. As used herein, the term "module" means to run on hardware. Software that receives input, uses the input to perform one or more processes, and outputs The hardware can be configured to provide this. The inputs, outputs, and processes performed will be apparent to those skilled in the art based on this disclosure.

[0034] The processing server 102 may include a storage unit 206. The storage unit 206 is as specified herein. When performing the function discussed, the data to be used by the processing server 102 is stored. It can be configured to do so, for example, public and private keys, symmetric keys, etc. Section 206 stores data using an appropriate data format and schema. It can be configured in such a way as any suitable way, such as read-only memory, random access memory, etc. It can be a variety of memory. The memory unit 206 can store, for example, cryptographic keys and algorithms. The communication protocol and standards, the data format standard and protocol, and the processing device. Program code for modules and application programs, and for those skilled in the art. As is clear, when the functions disclosed herein are used by the processing server 102 It may include other data that may be suitable for use. In one embodiment, the storage unit 206 is related It can consist of, or include, a related database. Related data The base is for storing, identifying, modifying, updating, and accessing the structured data sets that are stored there. Use a structured query language.

[0035] The memory unit 206 can be configured to store the blockchain. As shown above, a blockchain can be composed of multiple blocks. A block can consist of at least a block header and one or more data values. Each block header contains a timestamp and a reference to the previous block in the blockchain. Block reference values ​​and data that references one or more data values ​​contained within each block. It may include reference values. Furthermore, the memory unit performs the functions discussed herein. It is configured to store any additional data that may be used by the processing server 102 at that time. It is possible to, for example, haveh algorithms for generating blockchain reference values. M, communication for communicating with other blockchain nodes and other computing devices To the third-party suppliers or sellers of data, blockchain data, to System 112 Access data to provide access, issuer 108 for verification of digital signatures This includes the public key corresponding to the private key provisioned for that purpose.

[0036] The processing server 102 may include a query module 214. 214 is configured to execute queries on the database to identify information. Yes, it can. Query module 214 can receive one or more data values ​​or query strings. This allows the system to generate query strings based on the database indicated in the memory unit 206, etc. It can be executed to identify the information stored there. Next, query module 21 4, if necessary, transmits the identified information to the appropriate engine or module of the processing server 102. It can output to the log. The query module 214 can, for example, output on the storage unit 206. When executing Eli and generating a new block, as part of the process, (for example, Times (Based on the stamp) it is possible to identify the most recently added block to the blockchain. , or execute a query on the memory unit 206 to authenticate the issuer 108, the central bank 10 9, and / or the types of services or functions provided by third-party suppliers 112 To be used when verifying the digital signature provided to data associated with a type, The public key corresponding to row 108 can be identified.

[0037] Furthermore, the processing server 102 may include a generation module 216. Ru 216 is used when performing the functions discussed herein, processing server 10 It can be configured to generate data for 2. The generation module 216 is It can receive commands as input, and generate data based on those commands, The generated data is output to one or more modules or engines of the processing server 102. This can be done. For example, the generation module 216 can verify and add to the blockchain. Therefore, it can be configured to generate a new block and a new block header. Furthermore, the generated module 216 is included in the block header of the newly generated block. Hashing is done by applying a hash algorithm to data, for example, to generate a reference value. It can be configured to generate a value. In some cases, hash value generation is a process. This can be executed via a separate hash module included in server 102.

[0038] Furthermore, the processing server 102 may include a verification module 218. Ru 218 is used when performing the functions discussed herein, processing server 10 It can be configured to verify data for issuer 108 and 2. The module 218 can receive commands as input and validate the commanded data. This allows the verification results to be output to another module or engine of the processing server 102. It is possible.

[0039] Furthermore, the processing server 102 may include a transmitting device 220. The transmitting device 220 is Sending data over one or more networks via one or more network protocols It can be configured to do so. In one example, the transmitting device 220 transmits one or more communications Through this method, data within the blockchain network 104 is shared between issuer 108 and others. This communication method can be configured to send to entities within the local network. Wireless area network, cellular communication, Bluetooth, radio frequency, internet This includes the internet. In one embodiment, the transmitting device 220 is composed of multiple devices. This allows for different methods, for example, to send data over different networks. A transmitting device, a first transmitting device and an in-house communication network for transmitting data via an internal communication network. This includes a second transmitting device for sending data via the network, etc. Transmitting device 220 This is a data structure where the data is superimposed and can be parsed by the receiving computing device. The data signal can be transmitted electronically. In one example, the transmitting device 220 transmits the data One or more to superimpose, encode, or format onto a data signal suitable for transmission. It can include modules.

[0040] Processing flow Figure 3 shows the transfer of a digital token to and from a physical payment card according to an exemplary embodiment. This flowchart shows an exemplary method for doing so. Method 300 is performed on a processing server, Receiving multiple digital tokens issued by the central bank (310) and processing service This involves transferring multiple digital tokens from a physical payment card to a physical payment card. The completed card is configured to be used with a POS system (320). This method digitally signs and encrypts multiple digital tokens on a physical payment card. This method may include a key number. The presentation may include verifying the digital signature and encryption key. The law requires that when presenting a physical payment card at a point of sale, multiple digital tokens are used to convert digital tokens into digital tokens. This may include deducting tokens. Furthermore, this method can be used with ATMs (A Uploading multiple digital tokens to a physical payment card via TM) This may include processing within the blockchain network 104. This may further include recording each transfer of digital tokens between the server and the system. Here, the processing server 102 can be associated with the issuer 108. Also, physically The target payment method 110 can be an EMV card having individual digital tokens. .

[0041] Computer System Architecture Figure 4 shows that embodiments or parts thereof of the present disclosure may be implemented as computer-readable code. This shows a computer system 400. For example, the processing server 102 in Figure 1 is hardware non-temporary storage of software, firmware, and instructions that run on hardware. Using computer-readable media, or a combination thereof, a computer system 4 It can be implemented within 00. The processing server 102 in Figure 1 is one or more computers It can be implemented within a system or other processing system. Hardware, hardware Software running on or any combination thereof is subject to the provisions disclosed herein. The modules and components used to implement the principle can be materialized.

[0042] When programmable logic is used, such logic is executable software. It runs on a commercially available processing platform specifically configured by the software code to achieve specific goals. A computer or device for a specific purpose (e.g., a programmable logic array, specific) It can become an integrated circuit for an application, etc. A person skilled in the art will see that the embodiments of the disclosed subject matter are It can be understood that this can be implemented using various computer system configurations. This computer system is a multi-core multi-processor system, a minicomputer. , mainframe computers, linked or clustered computers using distributed functions Data, as well as perpassable or miniature computers that can be virtually embedded in any device. This includes, for example, at least one processor device and a storage unit that implement the above-described embodiment. It can be used for that purpose.

[0043] The processor units or devices discussed herein include single processors and multiple processors. It can be a processor, or a combination thereof. The processor device has one or more It may have a "core" of a processor. The term "computer processor" as discussed herein is used in this specification. Gram media, non-temporary computer-readable media, and computer-usable media. This term is generally used to refer to tangible media, for example, a removable storage unit 418 Installed in the removable storage unit 422 and the hard disk drive 412. These include hard drives, etc.

[0044] Various embodiments of this disclosure are described in reference to this exemplary computer system 400. After reading this explanation, other computer systems and / or computer architectures It will be clear to those skilled in the art how to implement this disclosure using Kucha. While the operation can be described as a continuous process, some of the operations are actually performed in parallel, simultaneously. For and / or in a distributed environment, for access by single or multiprocessor machines It can be executed using program code stored locally or remotely. In addition, in some embodiments, the order of operations does not deviate from the spirit of the disclosed subject matter. It can be reconstructed.

[0045] The processor device 404 is configured specifically to perform the functions discussed herein. It can be a dedicated or general-purpose processor device. The processor device 404 is a communication infrastructure It can be connected to a 406, for example, a bus, message queue, network These include networking and multicore message passing schemes. The network is described herein. It can be any network suitable for performing functions such as those disclosed in, Local area network (LAN), wide area network (WAN), wireless network (e.g., WiFi), Mobile communication networks, satellite networks, the internet, optical fibers, coaxial cables, infrared This may include radio frequency (RF), or any combination thereof. Other suitable networks The types and configurations of the twerks will be obvious to those skilled in the art. Also, computer system 4 00 represents the main memory unit 408 (for example, random access memory, read-only memory, etc.) It may include a hard drive, and may also include an auxiliary storage unit 410. The auxiliary storage unit 410 is hard drive. Disk drive 412, floppy disk drive, magnetic tape drive, optical drive Includes removable storage drives 414 such as hard drives and flash memory. can.

[0046] The removable storage drive 414 is connected to the removable storage unit 418 in a well-known manner. Removable storage unit 41 can read from and / or write to it. 8 is a removable storage medium that can be read and written by the removable storage drive 414. This may include, for example, a removable storage drive 414 with a floppy disk drive If it is a live or universal serial bus port, removable storage unit 41 8 can be either a floppy disk or a portable flash drive. In one embodiment, the removable storage unit 418 is a non-temporary computer-readable storage. It can be used as a recording medium.

[0047] In one embodiment, the auxiliary storage unit 410 stores computer programs or other instructions. Alternative means to enable loading into the computer system 400, for example, removal Possible means may include a storage unit 422 and an interface 420. Examples include program cartridges and cartridge interfaces (e.g., video games) (Similar to what is found in memory systems) and removable memory chips (for example, EEPRO M, PROM, etc.) and associated sockets, and other as will be obvious to those skilled in the art. It may include a removable storage unit 422 and an interface 420.

[0048] Computer system 400 (for example, main memory unit 408 and / or auxiliary memory unit 410) The data stored can be stored on any type of suitable computer-readable medium. For example, optical storage devices (e.g., compact discs, digital multipurpose discs, etc.) (e.g., Blu-ray discs) or magnetic tape storage devices (e.g., hard disk drives) Yes, the data can be configured in any suitable database configuration, for example. relational databases, structured query language (SQL) databases, distributed databases, This includes object databases, etc. Appropriate configurations and types of storage devices will be obvious to those skilled in the art. It is likely.

[0049] Furthermore, the computer system 400 can include a communication interface 424. The communication interface 424 transmits software and data to the computer system 40. It can be configured to allow transfer between 0 and an external device. (Example) The communication interface 424 is a modem, network interface (for example, Ethernet) This can include a network card, communication port, PCMCIA slot and card, etc. The software and data transmitted via the communication interface 424 are in the form of signals. This can be done, and this is obvious to those skilled in the art, whether it be an electronic signal, an electromagnetic signal, an optical signal or something else. It can be any other signal. The signal can be transmitted via the communication path 426. This communication path 426 can be configured to transmit signals via wires, cables, etc. It is implemented using optical fiber, telephone lines, mobile phone links, radio frequency links, etc. It is possible.

[0050] The computer system 400 may further include a display interface 402. The display interface 402 transmits data to the computer system 400 and the external display device 4 It can be configured to allow transfer to and from 30. Exemplary display I Interface 402 is a high-resolution multimedia interface (HDMI), digital Includes Visual Interface (DVI), Video Graphics Array (VGA), etc. It is possible to do so. The display device 430 is the display interface of the computer system 400. Any suitable type of display device for displaying data transmitted via 402 This can be done with cathode ray tube (CRT) displays, liquid crystal displays (LCDs), and light-emitting diodes (L). Includes ED) display devices, electrostatic touch display devices, thin-film transistor (TFT) display devices, etc. .

[0051] Computer program media and computer-usable media are main memory unit 408 and auxiliary This can refer to memory such as the auxiliary memory unit 410, which is a memory semiconductor (for example, DRA These computer program products can be set to M, etc. This can be used as a means to provide software to the Stem 400. The program (e.g., computer-controlled logic) is located in the main memory 408 and / or auxiliary memory. It can be stored in section 410. Furthermore, the computer program is a communication interface. Such computer programs can be received via face 424. When executed, the computer system 400 will carry out the method described herein. This can make it possible. In particular, when a computer program is executed, The separator device 404 implements the system shown in Figure 1, as discussed herein. It can be made possible to do so. Therefore, such computer programs This can represent a control device of the computer system 400. This disclosure is software When implemented using, the software is stored within the computer program product. , removable storage drive 414, interface 420, and hard disk drive Read into the computer system 400 using interface 412 or communication interface 424 It can be incorporated.

[0052] The processor device 404 is configured to perform the functions of the computer system 400. It may include one or more modules or engines. Each can be implemented using hardware, and in one example, main memory 408 Alternatively, program code and / or programs stored in the auxiliary storage unit 410. Such software can also be used. In such cases, the program code is Before execution by the hardware of the computer system 400, the processor unit 404 Compiled by (for example, by the module or engine being compiled) This is possible. For example, the program code can be used with processor device 404 and / or computer For execution with any additional hardware components of the data system 400, assemble Saw written in a programming language that can be translated into a low-level language such as a language or machine code. It can be written as a code. The compilation process involves lexical analysis, preprocessing, and syntactic analysis. And semantic analysis, syntactic-oriented translation, code generation, code optimization, and computer systems Programming to a low-level language suitable for controlling the M400 and performing the functions disclosed herein. This may include the use of any other techniques that may be suitable for translating Gram Code. As a result of the processing, the computer system 400 is programmed to perform the above-mentioned functions in a unique way. It will be clear to those skilled in the art that this will result in a RAMed, specially configured computer system 400. It will be easy.

[0053] The technology consistent with this disclosure, among other features, is a service within the blockchain network. A system and method for providing a bisnode are provided. Disclosed system and method Various exemplary embodiments have been described above, but they are not limiting and are for illustrative purposes only. Please understand that this is presented as such. It is not exhaustive, but rather the disclosed strict form. This disclosure is not limited to the above teachings. Modifications and alterations are possible in light of the above teachings, or modifications may be made. And the variations can be obtained from the practice of this disclosure without departing from the breadth or scope. ru.

Claims

1. A method for transferring a digital token to and from a physical payment card, wherein the method is The processing server receives at least one digital token on the processing server, The processing server transfers the at least one digital token from the processing server to the physical payment card for use with point-of-sale (POS), The aforementioned processing server communicates with the blockchain network that stores the token profile, A method comprising recording each transfer of digital tokens to and from the processing server within each token profile in the blockchain network.

2. In the method according to claim 1, The at least one digital token on the physical payment card includes at least a digital signature. Methods that include...

3. In the method of claim 2, When the physical payment card is presented at the point of sale (POS), the digital signature is verified. Methods that include...

4. In the method according to claim 1, When presenting the physical payment card to the point-of-sale (POS) system, at least one digital token is deducted from the at least one digital token. Methods that include...

5. In the method according to claim 1, Uploading the at least one digital token to the physical payment card via an automated teller machine (ATM), Methods that include...

6. The method according to claim 1, wherein the processing server is associated with at least one issuer and / or central bank.

7. The method according to claim 1, wherein the processing server is a token distribution platform.

8. The method according to claim 1, wherein the processing server is one of a plurality of nodes in the blockchain network.

9. The method according to claim 1, wherein the physical payment card is an EMV card.

10. A method according to claim 1, wherein the blockchain network is associated with at least one blockchain storing data associated with at least one of an issuer, a central bank, and a third-party supplier, and records transactions involving the transfer of digital tokens.

11. A system for transferring digital tokens to and from a physical payment card, the system including a processing server that communicates with a blockchain network storing token profiles, the processing server To receive at least one digital token, Transferring the at least one digital token to the physical payment card for use with point-of-sale (POS), Communicating with the aforementioned blockchain network, Each token profile within the blockchain network records each transfer of digital tokens to and from the processing server, A system configured to perform the following actions.

12. In the system according to claim 11, The system includes at least one digital token on the physical payment card, which includes at least a digital signature.

13. The system according to claim 12, wherein at least the digital signature is verified when the physical payment card is presented at the point of sale (POS).

14. A system according to claim 11, wherein at least one digital token is deducted from the at least one digital token when the physical payment card is presented to the point-of-sale (POS) system.

15. The system according to claim 11, wherein the at least one digital token is uploaded to the physical payment card via an automated teller machine (ATM).

16. The system according to claim 11, wherein the processing server is associated with at least one issuer and / or central bank.

17. The system according to claim 11, wherein the processing server is a token distribution platform.

18. The system according to claim 11, wherein the processing server is a node among a plurality of nodes in the blockchain network.

19. The system according to claim 11, wherein the physical payment card is an EMV card having individual digital tokens.

20. The system according to claim 11, wherein the blockchain network is associated with at least one blockchain storing data associated with at least one of an issuer, a central bank, and a third-party supplier, and records transactions involving the transfer of digital tokens.

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