A limit management system and method that enables the partial endorsement of digital guarantee letters within a limited cycle, by breaking them into smaller parts.

Abstract

The invention relates to a computer-implemented limit management system and method that enables the digital management of a guarantee collateral limit allocated by a bank or Decentralized Finance (DeFi) protocol as an unused and divisible financial risk capacity that does not constitute an enforceable payment obligation or security. The master collateral limit is divided into divisible sub-financial units (31) signed with unique digital identifiers (19) and sub-private keys deterministically derived from the master register; these units are partially negotiable, concatenable and transferable in a limited cycle.Double spending is prevented by checking in each transaction with a fixed-time (O(1)) limit-balance algorithm (9) over the instantaneous circulation variable (currentCirculation) to ensure that the total amount in circulation does not exceed the main limit ceiling; data integrity between the central limit database (8) and the immutable transaction record layer (11) is protected by rollback atomic synchronization (10). The system is also supported by a hardware security module (HSM / TEE), offline pre-validation and cryptographic origin verification.

Description

1 TARIFF DIGITAL GUARANTEE LETTERS WITHIN THE TOTAL LIMIT PARTIAL TURNOVER IN A FRAGMENTED AND LIMITED CYCLE LIMIT MANAGEMENT SYSTEM AND METHOD PROVIDING Technical Area 5 The invention addresses the simultaneous access to the same memory addresses in multi-core systems. the resulting race conditions and deadlocks, in-memory atomic Data is decoded using counters and unlocked compare-and-swap commands. a tangible guarantee of integrity and server performance at the hardware level It relates to the technical architecture (distributed state machine) requirement and method. 10 The invention is particularly relevant to financial technologies (fintech), digital banking, and supply chain finance. and for use in the fields of distributed ledger and immutable record technologies (DLT). Improved; digital limits for bank guarantee letters allocated by banks. its partial circulation in the environment, among multiple users until the due date until, NACE (Nomenclature des Activités Économiques dans la Communauté 15 European Sectoral Filter / Statistics of Economic Activity in the European Community Classification) and KYC (Know Your Customer) authentication check provided that the limit-equilibrium algorithm is O(1) (constant time) in every cycle (complexity) in the non-repetitive loop where it passes the ceiling control in complexity transfer, partial endorsement, and as a divisible digital value unit of 20 a central limit-balance validation algorithm that enables reuse It is related to the system and method. State of the Art Today, due to technical limitations in existing banking systems... It imposes restrictions on the endorsement of letters of guarantee. 25 Divisibility: Letters of guarantee are static and indivisible. One letter cannot be divided into smaller units. There is no limit management at the document level for the procurement of raw materials, and it cannot be broken down into smaller parts. Partial Endorsement: A letter of guarantee cannot be transferred in part, and a partial endorsement and residual amount apply. There is no management mechanism. 2 Consolidation: It is not possible to combine multiple letters of guarantee into a single unit, and There is no consolidation mechanism. Transferability: Only between the bank and the beneficiary, and the endorsement mechanism and ownership are the same. There is no standard for transfer. Circulation / Transferability: The letter of guarantee can be processed electronically in a cash-like manner. 5 It cannot be divided or transferred. Transferable digital value unit and circulation mechanism (technical). It is not available. Double Spending Risk: The risk of using the same letter of guarantee more than once. There is no mechanism to prevent this. A simultaneous limit-equilibrium algorithm does not exist. KYC / Identity Verification: Recipient identity verification cannot be done instantly. Tax Identification Number / National Identity Number 10 (Tax Identification Number / Turkish Republic Identity Number) based instant verification It has no mechanism. Bank Monitoring: The bank cannot instantly see the circulation status of the limit it has allocated. In reality... There is no time limit monitoring and warning system. Corporate Approval: There is no multi-signature approval mechanism for large-value transactions. Multi-15 There is no signature mechanism. Sectoral Restriction: There is no mechanism to restrict its use in specific sectors. Filtering based on NACE codes is not possible. Proof and Evidence: There is no immutable record in the chain of endorsements. Immutable record layer and KEP (Registered Electronic Mail). There is no registered electronic mail (REM) integration. 20 As a result of the research conducted on this subject, US2007 / 0100711A1, KR100407397B1, Applications numbered WO2023219694A1, EP3794484A2 and US 12.437.273 B2 None of these applications were encountered; the limit-equilibrium algorithm with O(1) complexity pair spending prevention, between the central limit database and the immutable transaction record layer. Atomic synchronization and rollback mechanism, 25 from the master collateral register. Deterministically derived sub-private key (HKDF / BIP-32) and a limit of sub-financial the elements of being broken down into units and transferred in a chain with partial turnover together It does not include. 3 US 12.437.273 B2: This application involves converting an existing asset (fund share) into a token. When converting one-to-one (1:1), the invention in question is a credit that has not yet been used. It divides its commitment (bank guarantee limit) into numerous sub-financial units. In the application The equilibrium constraint is a static mirror equation; however, the limit-equilibrium in the invention in question... The algorithm is a dynamic ceiling check: during the division of a limit into sub-units, 5 In O(1) complexity where the sum of all subunits in circulation does not exceed the main limit ceiling It is monitored (currentCirculation + newAmount ≤ mainLimitCeiling). EP3794484A2: This application covers the lifecycle of a single warranty certificate (acceptance, draw, (modification) manages; does not subdivide the warranty into sub-units. The invention subject to the application is clear and It performs ceiling control with O(1) complexity using a deterministic limit-equilibrium algorithm. 10 WO2023219694A1: This application uses a document-centric system. It is mentioned that this system manages the ownership of a negotiable document. Application The subject of the invention is value-ledger-centric and has a margin limit. mathematically speaking, the parts are; in partial turnover, both the transferred sub-unit and the residual amount are limit- The balance algorithm is subject to ceiling control. 15 KR100407397B1: This file contains an electronic document formatting and relaying (EDI) file. The infrastructure is being discussed. This infrastructure transmits the document in a standard format, a financial It does not break down and control the value. US2007 / 0100711A1: The structure referred to in this application is a bill of exchange and a banker's It relies on traditional financial instruments such as acceptance; blockchain, smart contracts, tokens or 20 It does not include a distributed ledger. In the application, two policies represent the same amount (one for coverage, the other for...). (for collection purposes, and the payment of one extinguishes the other) — meaning the value is neither divisible nor They are duplicated, but the guarantee and collection of only a single payment are kept in separate documents. However, the invention in question has a security limit of numerous sub-financial units with different amounts. divided and the sum of these units is calculated with the limit-equilibrium algorithm with O(1) complexity at the ceiling 25 It is subject to control. In conclusion, due to the negative aspects described above and the current solutions being the subject of discussion... Due to its shortcomings, an improvement is needed in the relevant technical field. It has been made. Purpose of the Invention 30 4 The invention was created by drawing inspiration from existing situations and overcoming the aforementioned drawbacks. It aims to solve the problem. The main purpose of the invention is to increase the guarantee limit allocated by a bank for businesses. Business-to-business (B2B) transactions are conducted securely among numerous users. 5 that transform into circulating, divisible and partially transferable digital sub-financial units The invention aims to provide a technical infrastructure. Such a unit connects to a central online authority at any given time. a multi-linked turnover chain (chain of turnover) that can be safely used without being dependent on any single step. It is aimed at solving the technical problems required to make the change. The main technical problems solved by the invention are as follows: • Spending the same subunit twice (double spending) reduces the number of units in circulation by 10 independently prevented in constant-time (O(1)) complexity, • the cryptographic authenticity (genuineness) of a subunit, continuous online connection without (offline) pre-validation and with a hardware monotonic counter Preventing offline double spending, • Data between the central limit database and the immutable transaction record layer 15 preservation of integrity at the atomic level and rollback in case of error, • race conditions resulting from simultaneous (duplicate) requests preventing, • the entire historical cycle of sub-units held by the intermediary nodes 20 through inventory and balance variables stored at memory level without being scanned fixed-time verification and thus high transaction throughput preserving scalability, • Protecting the confidentiality of commercial data of parties throughout the supply chain. The structural and characteristic features and all the advantages of the invention are given in the figures below. Thanks to the detailed explanation written with references to these figures, 25 is more clearly understood. This will be understood, and therefore the evaluation should also take these forms and detailed explanations into consideration. It needs to be done by taking precautions. Figures that will help understand the invention. Figure 1: Block diagram view of the five-layered system architecture. Figure 2: The sharding module, the inheritance mechanism, and the hash / derived sub-private key 30 This is the flowchart for (HKDF / BIP-32). Figure 2-B: Flowchart of partial turnover and residual amount management. Figure 2-C: Flowchart of hardware-constrained (HSM / TEE) hierarchical key derivation (HKDF / BIP-32). It is a diagram. Figure 3: Simultaneous limit-balance algorithm (O(1)), double spending prevention and timeout This is the flowchart of the mechanism. 5 Figure 4: KYC authentication and NACE code-based industry filtering flowchart. (KYC first, NACE second). Figure 5: Atomic interaction between the central limiting engine and the immutable transaction register layer. It is a flowchart of the process and synchronization. Figure 6: Step-by-step technical communication flowchart of the transfer process (sequence 10) diagram). Figure 7: This is a data flow diagram showing the transformation of data within the system. Figure 8: Mock-up view of the smart digital wallet interface (multi-bank consolidated) (including appearance). Figure 9: Block diagram of the life cycle and state transitions of sub-financial units 15 This is the appearance (including partial turnover and merger cases). Figure 10: Diagram of distributed architecture and network topology. Figure 11: Appearance of the proportional recourse mechanism (in a multi-ownership situation, each owner's share). (Distribution of liabilities and amortization flow at the current balance rate). Figure 12: Idle limit management (savings pool); circulating limit 20 memory-level state transition between the locked limit (lockedSavingsLimit) variables. It is a diagram illustrating this. Figure 13: Automatic compensation in case of cancellation of the root collateral limit or claim for compensation. The situation resolution is an event propagation flowchart. Figure 14: Hardware security module (HSM / TEE) limitations and external API interruptions 25 This is a Fail-Secure flowchart with Write-Ahead Log support. 6 Figure 15: Separation of multi-bank stocks in smart wallets by bank and pool. This is the view and real-time (WebSocket / SSE) update flowchart. Figure 16: Block diagram view of the limit reservation layer (free). (availableLimit), blocked (reservedLimit), circulating (circulatingLimit), and locked. Compare-swap (CAS) atomic counter based on (lockedSavingsLimit) variables. Simultaneity (race condition) control). Figure 17: Dynamic wallet limit inventory matrix and historical ownership chain scan. This is the schematic of the fixed-time (O(1)) cycle verification. Figure 18: Asymmetric privacy and data blinding layer (RBAC) with bidirectional local (hop-by-local) (hop) is the flowchart of the traceability layer. 10 Explanation of Part References 1. User interface 2. Decomposition module 4. Dynamic data matrix 5. E-signature 15 6. API gateway 7. Limit management engine 8. Limit database 9. Limit-equilibrium algorithm 10. Atomic synchronization module 20 11. Transaction log layer 12. Chain of ownership 13. Smart contract 15. KEP / REM 7 16. Timestamp 19. Digital identity 20. Inheritance mechanism 21. Digital signature 22. Temporary transaction lock 5 23. Pre-writing journal 24. Rollback mechanism 26. NACE code 27. Sector codes 28. NACE filter 10 31. Sub-financial unit 32. TxHash 33. Partial turnover module 34. Merging module 35. Authentication module 15 36. Limit monitoring and warning module 37. Multi-signature approval mechanism 38. Maturity Update Protocol 39. Early Collection Module 40. Consolidated limit management mechanism 20 41. Chain of transmission mechanism 42. Dynamic wallet inventory 8 43. Data blinding layer 44. Local traceability layer 45. Limit state management layer 49. Proportional recourse mechanism Detailed Description of the Invention 5 This detailed explanation outlines the total limit of digital letters of guarantee that are the subject of this invention. The limit that enables partial turnover within a fragmented and restricted cycle. The preferred structures of the management system and method are not only about better understanding the subject. It is explained in a way that facilitates understanding. The invention allows for the digital conversion of a bank's allocated guarantee limit to 10. conversion into sub-financial units (31) that can be broken down and partially transferred It is a computer-based limit management system that provides; • storing a main collateral limit as a numerical value, and using that value in any way an enforceable payment obligation, an active guarantee agreement, a letter of credit (L / C) or not as negotiable instruments (bills of exchange), but purely as unissued financial instruments. 15 defined as risk-taking capacity and its current remaining limit in circulation. total capacity amount (currentcirculation) is a materialized digital capacity. a central limit database that holds capacity assets (8), • by accessing the relevant limit database (8) and selecting at least one lower financial amount creating unit (31), assigning a unique digital identity (UID) (19) to this unit and these 20 the unit is deterministically derived from the cryptographic hash value of the master collateral record. by signing the master record with a derived sub-key a cryptographically binding splitting module (2), • transferring the specified partial amount of an existing sub-financial unit (31) to a new sub-unit (31- B) converting and transferring to the recipient and the remaining amount, original unique digital identity 25 (19) A partial turnover module that leaves the (UID) in the current owner's wallet while preserving it. (33), • when any transfer or partial endorsement request is received, in the main limit pool With O(1) complexity over the instantaneous circulation variable (currentCirculation), The sum of the outstanding financial units in circulation and the amount demanded is the main 30 9 a system that checks whether the limit ceiling has been exceeded and rejects the transaction if it has. limit-equilibrium algorithm (9), • Transaction records that cannot be changed by updating the central limit database (8) either both of them must be completed or the recording process made to layer (11) 5 which makes it necessary to reclaim both of them with the reclaim mechanism (24) an atomic synchronization module (10) It includes. The invention also allows for allocation by a bank or Decentralized Finance (DeFi) protocol. the available risk capacity acquired, from the creation of any warranty obligation first, they must be converted into independent digital sub-financial units (capacity objects) and 10 by passing the ceiling control of the limit-balance algorithm (9) among users executed by a physical processor and isolated hardware memory for navigation It is a computer-based method; • main collateral limit in a central limit database (8), processor data bus Cache line alignment that prevents false data sharing. 15 Using hardware meters with cache-line alignment, potential risk as a materialized numerical value representing receiving capacity definition, • at least one sub-financial unit (31) in the amount selected from the said limit database creation and assignment of a unique digital identity (19) to this unit, 20 • the physical cryptographic hash value of the main collateral record of the sub-financial unit (31). deterministic in an isolated Secure Execution Area (TEE / HSM) signed with a sub-private key calculated as a subkey, then signed with the main key. cryptographically linking it to the record, • In a partial turnover request, the specified amount is converted into a new sub-unit and sent to the buyer as 25 the transfer and the remaining amount in the current owner's wallet, with the original UID preserved. continued detention, • instant circulation variable in case of any transfer or partial turnover request Atomic operating at constant-time (O(1)) complexity via (guncelDolasim) With compare-swap (CAS) commands, the sum of the subunits in circulation is converted to the main 30 to check whether the limit ceiling has been exceeded and if it has been exceeded, the transaction rejection, • If it is confirmed that the limit ceiling has not been exceeded, the transfer cannot be changed. recording to the transaction log layer (11), • between central limit database (8) and immutable transaction record layer (11) If data inconsistencies are detected, the process will be rolled back before partial recording occurs. automatic recovery in hardware memory by mechanism (24), 5 • Cryptographic property lineage verified during the reconciliation process Unless the cryptographic lineage consistency constraint is met, any The rollback mechanism is mandatory by declaring the state transition invalid. triggered as, It includes the steps of the process. 10 The system in question is a secure system of sub-financial units (31) derived from the main collateral register. traceable, divisible, partially or completely transferable, combinable, Verifiable and, if necessary, protects against double spending even in offline conditions. as an integrated digital limit and turnover infrastructure that enables its secure management It is structured. Within the system, each sub-financial unit has 15 related to the main collateral record. anaTokenID hash value, unique digital identifier (19) and transaction timestamp (16) through a deterministic key derivation function using input parameters It is cryptographically identified by the generated sub-private key. This key... derivation function from one of the standardized structures such as HKDF, BIP-32 or SLIP-0010 It is possible. Thus, each sub-financial unit (31) created under the same main limit, the other 20 It is cryptographically separated from its subunits and is only linked to its main collateral. It is linked in a way that can be verified with the record. This structure, sub-financial In terms of accounting for the imitation or counterfeiting of units (31) It aims to make it impossible. When any transfer request is received, 25 on the sub-financial unit (31) subject to processing. A temporary transaction lock (22) is created, limited to a predefined maximum period. This temporary Transaction lock (22) is placed on the same sub-financial unit (31) for a second time during the transfer period. It technically prevents the simultaneous transfer attempt from taking place and within the lock period. This ensures that incoming secondary transfer requests are automatically rejected by the system. The lock is automatically removed when the process is successfully completed. The process takes 30 days. If it cannot be completed within that timeframe, the lock is removed due to timeout; central limit rollback of possible temporary changes that occurred in the database (8) The previous stable state is restored by mechanism (24) and the user is given a timeout 11 The error is transmitted. The active duration of the temporary transaction lock (22) is monitored by the system. It can be determined dynamically depending on the operating parameters and exceeding the time limit. It automatically triggers the undoing mechanism. In partial turnover module (33) transactions, with the new sub-financial unit (31) transferred to the buyer The unit carrying the remaining amount on the transferor side is 5 within the same atomic transaction framework. The immutable transaction is recorded in the transaction log layer (11). In this way, the partial turnover transaction is recorded. It is ensured that it is completed perfectly in all its aspects, or that it does not happen at all. Central although it has been successfully completed in the limit database (8), distributed ledger or Transactions that cannot be completed in the immutable transaction log layer (11); transaction log Failure to write to layer (11), timeout, network connection error or smart contract 10 If it fails for any of the reasons, such as rejection, partial registration is allowed. Without being given, the rollback mechanism (24) automatically cancels it. This assurance covers all transactions, including partial turnover transactions and sub-unit consolidation module (34). This applies in terms of types. The system allows multiple sub-financial units (31) belonging to the same main limit and the same user to be combined into a single 15 a subunit merger that enables the grouping under a consolidated sub-financial unit (31) It includes module (34). Before the merge operation, the mainTokenID of each sub-financial unit The values ​​are compared and sub-values ​​belonging to different bank pools or different main limit structures are determined. Combining financial units is prevented at the software level. This is done when compliance is ensured. The merging operation is performed by the atomic synchronization module (10) in a single operation summary 20 The immutable transaction record layer (11) is recorded below and the combined original sub-layer is recorded below Termination records relating to financial units (31) are created in an unchangeable manner. The maturity date, warranty conditions, and legal parameters included in the main collateral record are related to inheritance. each sub-financial unit (31) created through the mechanism and partial turnover module (33) each new sub-financial unit resulting from (31) is obligatory and irrevocable 25 is transferred. Each party taking over a sub-financial unit (31) has the current limit in the central limit database (8). Once verified as the owner, the same transfer rights are transferred to the next buyer. These rights may be transferred. These rights include full endorsement, partial endorsement and, under appropriate conditions, mergers. It includes. In chained partial turnover transactions, each new sub-financial unit (31), sub-private key 30 hierarchy and inheritance mechanism of the main collateral record with maturity and guarantee parameters (20) takes over. The remaining amount on the transferor side after partial endorsement is the original The unique digital identity (19) is preserved and continues to be held in the current owner's wallet. 12 The chain of ownership formed throughout all turnover cycles is in the distributed ledger layer. It is immutable and recorded in a sequential manner. Before requesting a transfer or partial endorsement, the recipient's identity and eligibility status must be verified. The verification module (35) is checked. In this context, the recipient's Tax Identification Number is checked. Number or Turkish Republic Identity Number information, GIB, MERSIS or equivalent authorized 5 The system is queried in real-time via registration system APIs; with active taxpayer status. AML blacklist checks are performed concurrently, and verification proof is provided via the transaction log. together with the immutable transaction record layer (11) are added. Authentication step Subsequently, the NCAE filtering (28) module operates sequentially and retrieves the receiver's NACE code (26) or queries the equivalent national or international sector classification code. The 10 in question... If the code matches the list of speculative sector codes (27), the transfer process is done by software. It is automatically rejected at the level of speculative sector codes (27) real estate activities (NACE 68), fuel trade (NACE 47.30), motor vehicle trade (NACE 45), financial intermediation activities (NACE 64) and foreign exchange and financial speculation activities This may include; however, manufacturing (NACE C), wholesale trade (NACE G) and service / supply chain 15 Activities classified as (NACE H, J, M, N) may be permitted. The system also includes limit monitoring and warning module (36) functions. Each splitting, partial turnover After the merging process, the current usage rate of the main limit pool is calculated. If the predefined threshold values ​​are exceeded, the relevant bank will be notified via KEP / REM (15) Automatic notifications are sent via the infrastructure, and these notifications cannot be changed. Transaction record 20 It is recorded in the layer (11). In transfer transactions exceeding a certain amount threshold, the transaction In order for it to be considered valid, the multi-signature approval mechanism (37) comes into play; more than one The transaction is not sent to the limit-balance algorithm (9) without collecting the e-signature (5) of the authorized user. All signature steps are immutable with a timestamp in the transaction record layer (11) It is recorded. 25 In terms of maturity management, the system is subject to bank approval and sub-financial unit (31) It includes a maturity update protocol (38) that allows for the extension of the maturity date. its update is derived from the same main limit through the inheritance mechanism (20) and It is synchronized with all sub-financial units in circulation (31) and the update record The immutable transaction is processed irreversibly into the record layer (11). Also 30 early collection module, upon the request of the beneficiary before the due date of the sub-financial unit (31). This allows for its conversion into cash at the bank. Once bank approval is obtained, the smart The guarantee is activated through the contract, and the collected amount is deposited into the main limit pool. 13 It is deducted from the current circulation variable. The obligation is fulfilled at maturity. If not brought, collection and recourse procedures are carried out by the central limit management engine (7) It is automatically triggered by and uses smart contract logic without human intervention. It is carried out without. Multiple main limit pools belonging to different banks, consolidated limit management mechanism 5 (40) can be managed via the same smart digital wallet user interface (1). In this case limit-balance algorithm (9) independent of the pool of the relevant bank in each transaction It works in this way and technically prevents the occurrence of cross-pool limit interference. Users can use sub-financial units (31) via the smart digital wallet user interface (1) can store, request splitting, partial endorsement and consolidation, 10 belonging to different banks You can view your limits in a consolidated format and initiate transfer transactions. Wallet interface e-signature (5) infrastructure, registered electronic delivery servers and multi-signature approval It works in direct connection with its mechanism (37). In the distributed ledger and proof infrastructure, the dynamic data matrix of the sub-financial unit (31), For example, a QR code can be generated using the bank's private key via RSA-2048 or ECDSA P-256 15. Each transfer or partial endorsement is signed using asymmetric signature algorithms. Once completed, the data matrix is ​​regenerated with updated owner information, balance, and transaction summary. and can be verified without an internet connection via the bank's public key. The distributed ledger layer can be configured as a blockchain infrastructure, and transfer transactions These can be stored as irreversible transaction records on this infrastructure. Each transfer 20 and partial endorsement transaction is digitally signed with the parties’ e-signature (5) certificates; transaction summary The trusted timestamp (16) compliant with RFC 3161 is immutable on the server. The summary of the transaction, which serves as evidence, is stored. It is delivered via KEP or equivalent registered electronic delivery system. The information is automatically transmitted to the official electronic addresses of the parties via the service and The technical record in the immutable transaction record layer (11) and the recorded electronic delivery evidence 25 They are synchronized in a mutually verifiable manner. Central limit database (8), main limit pool balance free limit at memory level, There are four independent limits: blocked limit, circulating limit, and limit locked in the savings pool. It may include a limit booking tier that is kept variable. Transfer or partial turnover. The requested amount is deducted from the free limit variable and added to the blocked limit variable by 30. The amount deducted from the blocked limit when the transaction is successfully completed depends on the nature of the transaction. Accordingly, it is added to the circulating limit or locked savings limit. If the transaction fails... In this case, the amount is returned to the free limit variable by the rollback mechanism (24). 14 The limit-balance algorithm (9) is a separate one for each bank ID and master limit pool ID pair. Atomic counters hold and compare / swap simultaneous requests on the same pool. Update the race condition and prevent duplicate usage by using the processes without locking the system. It prevents. Free limit, blocked limit, and roaming limit counters, different processor cores To prevent pseudo-sharing in simultaneous updates, memory allocation is 5. It can be subject to cache-line alignment constraints. The processes of deriving, storing, and digitally signing private keys by the bank, physically and logically isolated from the server's main processor, tamper-proof. within a robust hardware security module or trusted execution environment This is possible. This ensures that even if the server operating system is compromised, the key remains 10. This prevents the hierarchy from being removed from the hardware or counterfeited. Each pre-writing for the purpose of permanence and recoverability before the change of status is implemented. The log (23) (Write-Ahead Log) is written. External verification service, network connection or When an interruption occurs due to a timeout, the system treats the unverified transaction as unconfirmed. To prevent manipulation, it suspends the relevant process by switching to safe shutdown mode. 15 or it rejects and reverts to the last consistent state via WAL records. Sub-financial assets, partially deferred assets, and residual amounts in user wallets Units (31) are monitored at the memory level by the dynamic wallet limit inventory layer. This layer includes the mainTokenID, a unique digital identifier, the current stock balance, and derived sub- Instantaneous stock balances and hierarchical ownership lineage 20 with private key reference parameters. It maintains the links. A transfer or partial endorsement audit traces the historical chain of ownership from beginning to end. Without scanning, the relevant wallet's local inventory line and global fixed-time ceiling are directly displayed. This can be done through auditing. The inventory layer consists of sub-financial units belonging to different banks. Groups separately based on bank ID and main limit pool ID; user transaction When starting, you are forced to choose which bank's stock to trade from, and 25 Stocks outside the selected bank are not included in the transaction flow. Each turnover transaction is atomic. Stock update including bank and pool ID when synchronization is complete. The event is generated and transmitted via the WebSocket or Server-Sent Events protocol. It is instantly transmitted to the wallet interface. In terms of data privacy, the identity block of the sub-financial unit (31) includes the root bank and branch information. the bank to which the letter of guarantee was first issued, including the open security data field. It is allocated to the customer secret data field, which contains the customer's personal information. Customer secret data The area is masked using asymmetric or strong encryption techniques such as ECIES or AES-256. or it is blinded. Only the root provider has the authority to resolve this area through role-based access control. bank node and hardware security module or trusted execution area It is defined. Each agent user in the chain of turnover mechanism (41) cycle only has their own. It can see its direct input and its own direct output; the data object of the transferred unit, The previous party's cryptographic reference is the input source, and the incoming party's reference is the output source. It seals as its target. Thus, the transaction history of the distant links in the chain is stored in the software. It is isolated at this level. Cancellation of the main letter of guarantee limit or compensation due to default at maturity. When a claim is received, the automatic compensation and situation resolution layer is activated. This layer scans the ownership chain in the immutable transaction record layer (11) 10 current holders of all sub-financial units in circulation (31) and the relevant wallets Lists current stock balances; synchronous cryptographic events to relevant wallet interfaces. The notice is published and a payment equivalent to the verified balance of each final beneficiary is issued. It enables triggering via the banking API. The liquidation process is atomic synchronization. It is completed with module (10). Due to partial transfer, the sub-financial 15 is connected to the same main limit. In the case where the units (31) have more than one end owner, at term In the event of non-fulfillment of the obligation, the right to appeal or recourse arises at the last minute. in the current balance held by the owner and in the immutable transaction record layer The assets are allocated algorithmically based on ownership or transfer chain records. Sub-financial units declared not to be transferred for a certain period of time (31), limit 20 locked state from roaming state at memory level by state management layer (45) The situation is changed. During this process, the relevant amount is saved from the circulating limit variable. The limit variable is locked in the pool and idle system resources are isolated. Optional Accordingly, the return on locked units is exclusively funded by the relevant guarantor bank's own funding. can be met from its sources. 25 produced with the shredding module (2) and partial turnover module (33). sub-financial units (31), as a directed loopless graph structure in the memory layer It can be modeled. Each successor data object has a derived sub-private key hierarchy. According to the relationship, the memory address of the predecessor data object that constitutes it. It contains its reference via a pointer. In this way, the chain of origins... Instead of a linear scan of the entire database in the verification process, relevant parent data 30 Objects are accessed directly via in-memory pointers; the main limit is the ceiling control. It is performed at a fixed time via a materialized current circulation variable. 16 Atomic synchronization module (10), integration with guarantor bank core system It can implement a two-stage agreement protocol. Within the scope of this protocol, during the preparation phase... A notification is sent to the bank requesting that the relevant amount be frozen, and approval is awaited. Approval When the bank transfer is completed at the stage, the status of the sub-financial unit (31) and the main The total amount in circulation in the collateral record is updated in the same atomic transaction. Ready 5 If approval cannot be obtained or the approval process fails, on both sides The operation is undone. The main element in the header fields of incoming packets at the network interface card level. Token ID or unique digital identity parameters hardware stream distribution They can be separated using filters. State change requests requiring high concurrency. Unlocked compare-swap by routing to low-latency hardware queues 10 It is mapped to specific processor cores that execute the commands; thus, routine querying Mutation traffic and atomic limit mutation traffic are isolated at the hardware level. In offline usage scenarios, the endpoint device is logically controlled from the device operating system. and with a physically isolated secure execution environment or trusted platform module It includes an irreversible monotonic counter. The sub-financial 15 derived from the main collateral record. The unique digital identity and derived sub-private key of the unit (31) are stored in local memory. When an offline transfer request is received, the monotonic file is kept in a secure execution environment. The meter is enhanced with hardware; the current meter value, transaction amount, and unique digital display are displayed. Identity, within a secure execution environment, is a sub-private key or hardware-specific key of the device. It is signed with a key, bound to a cryptographic state constraint, and processed by the machine 20 It is converted into a readable cryptographic proof of position. This proof is then fed into a dynamic data matrix. This can be reflected. When the network connection is restored, the device operates independently of the operating system. The transaction record, sealed as such, is transmitted to the central limit database (8) for final reconciliation. This structure ensures that the same sub-financial unit (31) is offline even if the device's operating system is cloned. This prevents duplicate spending. 25 Merkle tree structure for each transaction block in the immutable transaction register layer (11) It can be calculated. The smart digital wallet user interface (1) is a turnover or partial turnover chain. Validity can be verified using only the Merkle proof for the relevant transaction, without downloading the entire record history. and can verify the block in logarithmic time complexity via the Merkle root hash. In addition, the hash value of the derived public key corresponding to the sub-financial unit (31) is 30 The immutable transaction record can be stored in the transaction log layer. This allows the origin of the lower financial unit to be determined. verification by cryptographic verification without access to the central limit database (8) can be realized. When the rollback mechanism (24) is engaged, the materialized The current circulation variable is the records of the sub-financial unit (31) in the distribution or 17 without the need to scan the immutable transaction register layer (11), the processor using atomic memory update mechanisms supported by previous It can be returned to its steady state with constant time complexity. In the supply chain application of the invention, sub-financial units are located within a supply chain network. The funds are transferred via a chain of endorsements. Guarantor bank or decentralized finance protocol 5 limit-balance without the need to produce a new document for each period. The algorithm (9) subjects the capacity turnover sequence to ceiling control. Capacity circulation The network's transaction security is ensured by working integrated with the NACE filtering (28) module, sectoral. This is achieved by applying access restrictions. Thus, the invention is included in the main collateral register. secure, traceable, partially transferable, combinable, legally binding financial capacity and can be supported by cryptographic evidence and technically in high-concurrent transaction environments. This ensures that it can be managed in a consistent manner. The program commands that execute all the steps of the method are non-temporary. (non-transitory) a physical computer that stores data on a readable medium. It is a product of the program. 15 The system described in the invention consists of five main layers, as shown in Figure 1: • Application Layer: Web / mobile user interface (1), digital wallet, QR code Reader, API Gateway (6). • Limit Management Engine (7) (Central): Limit database (8), partitioning module (2), partial turnover module (33), combining module (34), limit-equilibrium algorithm (9), NACE 20 filter (28), atomic synchronization module (10), limit monitoring and warning module (36). • Identity and Compliance Layer: Authentication module (35), multi-signature approval mechanism (37). • Immutable Transaction Record Layer (Distributed) (11): Ownership chain (12), TxHash 25 (32) (Transaction Hash or TxID), smart contracts (13). • Proof and Time Stamp Layer: E-signature (5), KEP / REM (15) (Registered Electronic Post / Registered Electronic Mail), timestamp (16). Sub-financial unit (31): Splitting module from a main collateral limit pool (2) created through, bearing a unique digital identity (19) (UID), the maturity date of the main document and 30 Digital, which receives the warranty terms through the inheritance mechanism (20) and can be independently transferred. It is a unit. It is important to note that the said sub-financial unit constitutes an enforceable guarantee. 18 contract, negotiable instrument (bill of exchange) or letter of credit (L / C) It does not represent a bank or Decentralized Finance (DeFi) protocol; instead, it represents a bank or Decentralized Finance (DeFi) protocol. allocated but not yet used / conditional (contingent / unissued) risk-taking capacity, independently in a computer environment before the guarantee is established. its materialized form as a divisible capacity asset 5 It constitutes. Partial turnover module (33): A new amount of a specified amount instead of the whole of a sub-financial unit converting it into a sub-unit and transferring it; the remaining amount in the current owner's wallet It is the module that ensures it remains held. Subunit merging module (34): Multiple subunits belonging to the same main limit and the same owner. a financial unit in a single sub-financial unit, provided that it does not exceed the main limit ceiling It is the element that carries out the consolidation process by which it is collected. Inheritance mechanism (20): Maturity, warranty conditions and other terms included in the main collateral record legal parameters, necessarily and irrevocably, to the lower financial unit It allows copying. 15 Limit-balance algorithm (9): Circulating sub-financial under a certain main limit pool Calculate the instantaneous total amount of the units with O(1) complexity and a new transfer It is an algorithm that verifies within milliseconds whether the request has exceeded the main limit ceiling. Temporary transaction lock (22): A sub-financial unit can be transferred more than once at the same time. Created to prevent this; it automatically rejects all secondary transfer requests, 20 It is a mechanism limited by a predefined maximum timeout. Dynamic data matrix (4): UID of sub-financial unit, instant balance, bank digital signature (21) and TxHash (32); protected by asymmetric encryption; re-entered after each transfer It is a data structure generated in QR code format. Atomic synchronization module (10): Update in central limit database (8) 25 recording to the immutable transaction record layer (11) or both of them It is the mechanism that makes it mandatory for the work to be completed or for both to be reversed. Derived sub-key: The cryptographic hash of the master collateral record. from its value, HMAC-based key derivation function (HKDF – RFC 5869) or hierarchical Deterministic 30 using the deterministic key derivation standard (BIP-32 / SLIP-0010). 19 calculated in a way that can only be verified by the main collateral-holding bank; sub The financial unit (31) is cryptographically linked to the master register and is not imitated. It is an asymmetric encryption key that is computationally impossible. Derivation As parameters, enter mainTokenID, digital signature (19) and transaction timestamp (16). It is used as a vector. Furthermore, each sub-financial unit is either a vector of the main record from which it is derived or a vector of 5. also the unique digital identity (ParentUID) of the parent unit and its own It stores its unique digital identity (ChildUID / UID) in the data structure; thus, the main limit → the lower limit. A unit → sub-subunit form, a verifiable identity compatible with cryptographic lineage. A family tree (UID lineage) is formed. Authentication module (35): Before transfer, recipient user's VKN / TCKN 10 It is instantly queried through authorized registration systems (GİB, MERSİS or equivalent) and It is the technical module where identity and sector information are verified. Before the NACE filter (28) They work in a sequential manner. Limit monitoring and alert module (36): Instantly monitors the usage rate of the main limit pool; When predefined threshold values ​​are exceeded, the relevant bank and parties subject to the limit will be fined 15 It is the technical layer that sends automatic notifications. Multi-signature approval mechanism (37): Transfer transactions exceeding a certain threshold a company that requires the e-signatures of more than one authorized user in order for it to be considered valid It is a technical mechanism that transfers the logic of signature circulars to the digital environment. Maturity update protocol (38): 20 of the sub-financial unit, subject to bank approval. enabling the extension of the maturity date; the extension process is recorded in an immutable transaction log layer. by recording and inheritance mechanism (20) with all circulating subunits It is the protocol that synchronizes. Early collection module (39): At the request of the beneficiary before the due date of the sub-financial unit 25 that enables conversion to cash at the bank; integrated with the bank's approval protocol. It is a working technical module. Consolidated limit management (40): Multiple main limit pools from different banks The management of the generated sub-financial units in the same digital wallet; each pool being independent maintaining the limit ceiling and providing the user with a unified view through a single interface. It is the mechanism that enables its presentation. 30 Chain of turnover mechanism (41): Each party (B, C, D, ...) that takes over a sub-financial unit (31), after being verified as the current owner in the central limit database (8) that it can transfer the same endorsement rights (full endorsement, partial endorsement, consolidation) to the next recipient; Authentication module (35) and NACE filter (28) check in each cycle re-implemented; the immutable chain of ownership formed throughout all the links 5 In the transaction log layer (11), the transaction is recorded in an immutable and sequential manner. It is a chain transfer mechanism. In chain partial turnovers, the residual amount of each link is... The original UID is preserved and the card remains in the current owner's wallet. Bank / Limit Provider Authority (Scope Expansion): In this specification and in these requests The term "bank" used is a preferred choice to describe the basic operation of the invention. This refers to an example. The relevant term includes, in addition to traditional licensed financial institutions, Credit and risk management through smart contracts and algorithmic pools. Decentralized Finance (Decentralized Finance) which allocates capacity and provides collateral management. This will also include Finance-DeFi protocols and autonomous liquidity / collateral pools. It should be interpreted in the broadest legal and technical sense. 15 Fragmentation Module (2) and Inheritance Mechanism (20) (see Figure 2) The splitting module (2) sets the main collateral limit as a numerical value, not as a static document. It functions as a digital pool that is monitored in real time. When a user submits a splitting request... splitting module (2); queries the remaining limit of the main collateral record, new sub-financial assigns a unique digital identity (19) (UID) to the unit (31) and hash of the master collateral record 20 The unit is cryptographically protected with a derived sub-key derived from its value. connections. Maturity information and guarantee parameters in the main collateral record, inheritance mechanism. (20) is transferred to the new sub-financial unit (31) in a mandatory and irrevocable manner. Simultaneous Limit-Balance Algorithm (9) and Double Spending Prevention (see Figure 3) This module ensures that the total value of sub-parts in circulation in each transfer transaction is within the main limit of 25. It checks in milliseconds that it does not exceed its ceiling: on the relevant sub-financial unit (31) A temporary transaction lock (22) is created, limited by a predefined maximum duration. Main O(1) over the instantaneous circulation variable (currentCirculation) in the limit pool The total calculation is made based on its complexity. If the ceiling is not exceeded, the property information is provided. The transaction is updated and recorded in the immutable transaction log layer (11). 30 Partial Turnover Module (33) and Residual Amount Management (see Figure 2-B) 21 The partial turnover module (33) replaces the entirety of an existing sub-financial unit with a designated one. This allows the portion to be transferred to a new recipient. The balance of the existing subunit is deducted, leaving no more The amount remains with the owner under the same UID. Both transactions (creating a new unit + (updating the existing unit) single operation with atomic synchronization module (10) It is carried out within the framework of 5. Sub-Financial Unit (31) Integration Module (34) Sub-financial unit (31) merging module (34), belonging to the same main limit and to the same owner It enables the consolidation of multiple sub-financial units into a single sub-unit. To different banks... Consolidation between the belonging pools is technically prevented. NACE Code Based Sectoral NACE Filter (28) (see Figure 4) 10 Limit management engine (7) uses the registered NACE code of the receiving wallet in each transfer transaction. (26) queries instantly. This query is made by the authentication module (35). Following the successful completion of the KYC verification, in a sequential manner The process is executed. If a match is found, the transfer is automatically rejected at the software level. KYC Authentication and AML Compliance Module (Figure 4) 15 The authentication module (35) checks the recipient before each transfer and partial turnover transaction. It instantly verifies the user's identity and business status and filters them using NACE. (28) It works sequentially first. The recipient’s digital wallet is linked to the VKN or TCKN, GIB, It is queried in real-time via the MERSİS or equivalent authorized registration system API. Real-Time Limit Monitoring and Alert Module (36) 20 Limit monitoring and alert module (36) continuously monitors the usage rate of the main limit pool. and proactively informs the relevant parties. Predefined threshold values ​​(e.g. When the threshold (70%, 85%, 95%) is exceeded; the relevant bank, the main beneficiary company, and the system administrator are notified. Automatic notifications are sent. Multi-Signature Mechanism (37) 25 For transfer requests exceeding the specified threshold, the multi-signature approval process is automatically triggered. After the required number of e-signatures (5) are collected, the transaction is approved and the limit-balance is transmitted to the algorithm (9). 22 Maturity Update Protocol (38) If the bank approves the request, the new due date is updated in the central limit database (8). Inheritance through mechanism (20) derived from the same main limit and all sub-financial in circulation The units are automatically updated with the new due date. Early Collection Module (39) 5 The current sub-unit owner submits the early payment request to the bank via the system. Approval. In this case, the bank guarantee comes into effect via smart contract (13); payment is available It is done to the owner. Multibank Consolidated Limit Management (40) Each bank limit is defined in the system as its own independent sub-pool. The user has a single digital 10 all sub-units of different banks via the wallet user interface (1) You can view, split, partially process, and merge operations. Limit-balance The algorithm (9) operates independently for the pool of the relevant bank in each transaction; cross pool Exceeding the limit is technically prevented. Dynamic QR Code and Offline Verification 15 A unique dynamic data matrix (4) (QR code) is assigned to each sub-financial unit (31). QR code includes digital identity (19), instant balance, bank digital signature (21) and TxHash (32). Internet access thanks to asymmetric encryption (RSA-2048 or ECDSA P-256) Bank signatures can be verified without a bank signature. Legal Approval Layer: E-Signature (5) and Registered Electronic Delivery Integration 20 Each transfer transaction is signed with the parties' e-signature (5) certificates and the transaction summary (hash) is generated. When the process is completed, it is sent to KEP / REM (15) (Registered Electronic). By communicating via postal (KEP) servers, the transaction summary is sent to the parties' official electronic accounts. They are sent to their addresses. Immutable Record Supported Transfer / Turnover Chain and Sequence Turnover Mechanism (41) 25 The system in question is a limit-balance of a sub-financial unit (31) until its maturity date. Main limit ceiling checked by algorithm (9) with O(1) complexity in each cycle and an unlimited number as long as the NACE+KYC control loop is maintained. 23 It allows the transfer of identity in each transfer ring. The chain of turnover mechanism (41) Re-triggers the verification module (35) and NACE filtering (28). At maturity In the event of non-fulfillment of the obligation, the bank guarantee is the last link in the chain at that moment. It intervenes on behalf of the owner. Atomic Process Synchronization and Rollback (see Figure 5) 5 Data between the central limit database (8) and the immutable transaction record layer (11) The exchange is carried out according to the principle of atomic processing. Rollback mechanism (24); Failure to write to the immutable register layer, timeout, network connection error. or transactions that could not be completed for any reason including rejection of smart contract (13) It takes effect. 10 Smart Maturity and Automatic Collection-Recourse Module On the due date, the limit management engine (7) automatically triggers the obligation. in case of non-fulfillment, the last owner at that moment (the last link in the turnover chain) The bank guarantee automatically activates for the user; the amount paid is to the principal beneficiary. The amount will be reimbursed to the account. 15 Immutable Transaction Register Layer and Alternative Implementations The immutable transaction record layer (11) mentioned above is the core technical aspect of the invention. its function — every dismantling, partial turnover, merging and compensation operation is irreversible, recording in time-sequential and tamper-evident format — is a logical component that fulfills. The transaction log layer (11), Append-only (append-20 (only) hash-chained central ledger, Permissioned distributed ledger, or Open It can be implemented as a (public) blockchain infrastructure. Two-Layer Integrity Architecture and Atomic Coherence The inventions are one for high-performance process processing and the other for immutable audit / evidence recording. It uses two separate, optimized data layers together. Atomic synchronization, two 25 The writing to the layer should be done according to the all-or-nothing principle. secures the transaction which cannot be changed by updating the central limit database (8). The recording in the recording layer (11) is either completed together or the rollback mechanism is completed together. (24) is taken back. Deployment Architecture: Multi-Tenant Isolated and On-Premise Setup 30 24 The system ensures that each bank's collateral data is only visible to that bank. It operates in isolation (multi-tenant isolated central platform or local single-tenant setup). Technical Implementation Details O(1) Pseudo-Code of Limit-Equilibrium Control, limit-equilibrium algorithm (9) O(1) constant- Time complexity is the summing of all subunits in circulation individually in each control. 5 Instead of (O(n) scan), a current Circulation materialized in the main collateral record. the variable is stored and only this single variable is read atomically in each operation. It provides this through updating. Derived Sub-Key Derivation Path, It applies a deterministic derivation function to the sub-private key of each sub-financial unit (31). Limit Reservation Layer and Atomic Counters 10 A limit reservation layer is positioned at the input of the limit management engine (7). This The layer parses the main limit pool balance into four independent in-memory variables: Free limit (availableLimit), blocked limit (reservedLimit), circulating limit (circulatingLimit) and LockedSavingsLimit in the savings pool. Hardware Reinforcement: HSM / TEE 15 In a preferred implementation, the calculation of derived sub-private keys and the bank The digital signature (21) is affixed physically and logically from the server’s main processor. a separate, tamper-resistant Hardware Security Module (HSM) or processor It is performed at the Trusted Execution Area (TEE) level. Resilience and Fail-Secure (Write-Ahead Log) 20 To protect data integrity against external system disruptions, each state change, A Write-Ahead Log (WAL) (23) is written before implementation. Dynamic Wallet Inventory (42), Multi-Bank Stock and Real-Time Event Layer During the chain turnover mechanism (41), the remaining balances in the hands of the intermediary wallets and To manage the new units they take over, dynamic wallet limit inventory layer (42) 25 It stores the fields for each wallet as a memory-level matrix. Asymmetric Privacy and Data Blinding (43) When a sub-financial unit (31) is generated, the identity block is divided into two fields: Security data field and a customer secret data field containing the debtor's personal information. The second field is asymmetric. It is blinded by encryption (ECIES or AES-256). Bidirectional Local Traceability Layer (44) The bidirectional local traceability layer (44) applies a transparency constraint by hop-by-hop 5 It prevents the leakage of data belonging to the entire chain. Automatic Compensation and Case Resolution In the event that the main letter of guarantee limit is cancelled or a claim for compensation is made by the guarantor bank, The automatic compensation and situation resolution layer is activated. Idle Limit Situation Management (45) and Proportional Recourse Mechanism (49) 10 Sub-units that are declared not to be transferred for a specific period of time are at the memory level. Idle system resources are isolated by being put into a locked state and idle limit state management (45) This is done. Due to partial transfer, multiple end owners of units connected to the same main limit exist. When this happens, the proportional recourse mechanism (49) comes into play. Hardware-Software Interoperable Design and System-Level Optimizations 15 The invention provides various hardware options for ensuring data integrity under high concurrency conditions. The level includes optimizations. Firstly, in integration with the bank's core system. Consistency is ensured by the two-phase commit (2PC) protocol. This is done; thus, limit updates are atomically performed at the hardware level with bank approval. Secondly, cache-line alignment in in-memory limit counters (cache-line 20 (by using alignment) different processor cores can invalidate each other's cache. False sharing is prevented and bottlenecks in the processor data bus are eliminated. It is resolved. In addition, data objects generated by splitting and turnover are oriented in the memory layer. It is arranged as a non-looping graph (DAG); thus, the entire database is used in origin validation. Instead of scanning, pointer chasing backwards to the parent nodes is used. 25 It is accessed directly. At the network interface layer, the UID in the headers of the incoming transaction requests is used. parameters with hardware stream distribution (Receive Side Scaling, RSS) filters by separating, a specific processor directly executes unlocked compare-swap (CAS) instructions. It is directed to the cores (CPU affinity). System Invariants 30 26 In addition to hardware optimizations, the system mathematically enhances data security. It protects against invariants. At each transaction step, the amount of the sub-units in circulation... The sum combined with the remaining limit remains equal to the main limit ceiling, thus ensuring "conservation". "(conservation)" is ensured. According to the ceiling restriction, the total of the units in circulation is no Under these conditions, it cannot exceed the main ceiling. Additionally, through temporary locks and atomic counters, every 5 It is ensured that the UID has only one active owner. Possible network or hardware. By triggering the rollback mechanism in case of errors, these invariants are violated. The system returns to its last consistent state (rollback consistency) within milliseconds. Capacity Presence Model, Endpoint Device, and Cryptographic Origin Verification In the invention, the central limit database (8) sets the main collateral limit as an enforceable payment 10 not as an obligation; but simply as an unissued, divisible financial asset. Risk-taking capacity is represented as a capacity asset. The system uses an edge device architecture to verify the validity of transactions. This device applies to a hardware-isolated Secure Execution Area (Secure). (Enclave) a monotonic counter held and physically impossible to retrieve 15 It contains a hardware proof of strength by incrementing this counter in offline situations. It generates and allows double spending even if the device's operating system is compromised. obstacles. Also, the duration of the temporary process lock (22) remaining active in the main body of the system. It is not static; it depends on hardware parameters such as network latency and CPU load. By determining the dynamics, the system is prevented from locking up. 20 Industrial Application Scenario: Production and Raw Material Supply A concrete example of the system's industrial applicability is heavy industrial production. and raw material supply chain can be provided. A bank or A guarantee / collateral limit of 100 million TL has been allocated by the DeFi protocol. Let's assume that in the system in question, the producer has this materialized capacity of 100 Million TL. It can instantly split its assets via its digital wallet (1). Advanced technology machine to the manufacturer (Manufacturing - NACE C) with a value of 20 Million TL (UID-A) and to the steel raw material wholesaler (Wholesale Trade - NACE G) Allocation of 30 Million TL (UID-B) sub-financial units (31) It is transferred by being divided into sub-components. Thus, a single supply capacity is divided into sub-components throughout the supply network. They function separately. 30 The raw material supplier will utilize 5 million TL of its 30 million TL capacity. chain of turnover to its own mining supplier or industrial logistics (NACE H) company 27 It can transmit via the mechanism (41). In this cycle, the NACE filtering (28) layer It operates actively. For example, the raw material supplier uses this capacity in advance. defined restricted sector codes (e.g., financial intermediation NACE 64, real estate) When attempting to transfer a transaction to a wallet with NACE 68, the transaction encounters sectoral access restrictions. It is automatically rejected at the software level for this reason. 5 Throughout this entire chain of events, the guarantor authority does not issue a new document; rather, it establishes a limit-balance mechanism. The algorithm (9) works at O(1) speed, this capacity between industrial suppliers This makes it technically impossible for the main ceiling of the transaction chain (100 Million TL) to be exceeded.

Claims

28 REQUESTS 1. The guarantee limit allocated by a bank in digital format. conversion into sub-financial units (31) that can be broken down and partially transferred It is a computer-based limit management system that provides; • storing a main collateral limit as a numerical value, with that value available in any 5 range. an enforceable payment obligation, active guarantee contract, letter of credit or Not as securities, but simply as an undertaking of unused financial risk. capacity defined as the current remaining limit and the total capacity in circulation. a central limit that holds its value as a materialized digital capacity asset database (8), 10 • by accessing the relevant limit database (8) and selecting at least one lower financial amount creating unit (31), assigning a unique digital identity (19) to this unit and this unit, deterministically derived from the cryptographic hash value of the master collateral record a cryptographically linking record to the master record by signing it with a sub-private key decomposition module (2), 15 • transferring the determined partial amount of an existing sub-financial unit (31) to a new sub-unit by converting and transferring the amount to the recipient and the original unique digital identity (19) a partial turnover module (33) that leaves the current owner's wallet protected. • when any transfer or partial endorsement request is received, in the main limit pool With O(1) complexity over the instantaneous circulation variable, the circulating sub-financial 20 the sum of the units plus the requested amount exceeds the main limit ceiling a limit-balance that checks whether it has exceeded its limit and rejects the transaction if it has. algorithm (9), • Transaction records that cannot be changed by updating the central limit database (8) The recording process to layer (11) requires either both to be completed or 25 the mechanism that makes it necessary to take back both of them (24) an atomic synchronization module (10) It includes.

2. It is a system according to Claim 1, and its characteristic is that each splitting, partial turnover and merging operation then calculates the current usage rate of the main limit pool, previously 30 When the defined threshold values ​​are exceeded, the relevant bank is sent the KEP / REM (15) infrastructure sends automatic notifications and records these notifications as unchangeable transaction logs. It includes a limit monitoring and alert module (36) which records to layer (11). 29 3. The system, according to Claim 1, is characterized by its ability to process transfer transactions exceeding a certain threshold. Requiring the e-signature of more than one authorized user (5) in order to be considered valid, The transaction is not sent to the limit-equilibrium algorithm (9) until the necessary signatures are collected and all Signature steps are immutable with timestamp (16) to the transaction record layer (11) It includes several signature confirmation mechanisms (37) that record. 5 4. The system is defined in accordance with Claim 1, and its characteristic feature is that the sub-financial unit is subject to bank approval. extending its term, updating it through the inheritance mechanism (20) from the same main limit synchronizes with all derived circulating subunits and the update log an irreversible maturity date in the immutable transaction record layer (11) The update protocol includes (38). 10 5. The system is in accordance with Claim 1, and its characteristic is that the beneficiary receives the sub-financial unit before its maturity date. a smart system that allows the funds to be converted into cash at the bank upon request, once bank approval is received. The guarantee comes into effect through contract (13) and the main limit of the amount collected an early collection that allows it to be deducted from the circulation variable in the pool module (39) includes. 15 6. The system, according to Claim 1, is characterized by having multiple main limits belonging to different banks. manages the pool through the same digital wallet interface (1), limit-balance The algorithm (9) works independently for the pool of the relevant bank in each transaction and cross-operates A consolidated limit management system that technically prevents pool limit confusion. its mechanism (40) is that it includes. 20 7. It is a system according to claim 1, and its characteristic is; • keeping, splitting, partial turnover of sub-financial units (31) of users enabling it to file a merger request • Allows you to view credit limits from different banks in a consolidated format. • 25 that work integrated with the system to initiate transfer transactions • e-signature (5), registered electronic delivery servers (15) and multi-signature approval mechanism (37) can be directly connected to the infrastructure It includes a smart digital wallet interface (1).

8. It is a method according to claim 2, and its characteristic is; • Main limit pool balance, memory level free limit, blocked limit, 30 four independent limits: a limit in circulation and a limit locked in the savings pool. Includes a limit booking tier that keeps the limit variable, • the requested amount in a transfer or partial endorsement request is availableLimit subtracting from the variable and writing to the reservedLimit variable, • When the operation is successfully completed (commit), the reservedLimit variable is debited. Depending on the situation, either the circulatingLimit or lockedSavingsLimit variable is used. added by, • When the operation fails, it returns a rollback to the availableLimit variable. It includes a central limit database (8). 5 9. The system, according to Claim 1, is characterized by having each bank ID and the main limit pool ID. holding a separate atomic counter for each pair, and this counter simultaneously on the same pool Compete without locking, updated through compare-exchange operations in requests. limit-equilibrium algorithm (9) which prevents the condition and its repeated use It includes. 10 10. It is a system according to claim 1, and its characteristic is; • active, partially transferred and now sub-financial assets in user wallets instantaneous stock balances and hierarchical ownership lineages of the units (31), anaTokenID, unique digital identity (19), current stock balance and derived 15 that traces at the memory level with sub-private key reference parameters. • Sub-financial units belonging to different banks, bank identity and main limit pool grouping them separately based on their identity, • which bank's stock the user will use when initiating a transaction compelled to choose • Inclusion of stocks belonging to banks other than the selected bank in the transaction flow 20 not It contains a dynamic wallet inventory (42).

11. The system, according to claim 1, has the characteristic of having an atomic synchronization module for each turnover transaction. After completion with (10), the sub-financial unit subject to the transaction (31) bank and Generating a stock update event that includes the pool ID and sending this event via WebSocket or 25 via the Server-Sent Events protocol to the relevant wallet user interface (1) It includes a real-time event update layer that delivers information instantly.

12. It is a system according to claim 1, and its characteristic is; • open identity block of sub-financial unit (31) containing root bank and branch information a security data field and the bank to which the letter of guarantee was first issued 30 allocating a customer secret data field containing the customer's personal information, • the customer confidential data field in question will be encrypted with an asymmetric encryption algorithm. masking, 31 • Only the root provider has the authority to resolve this area through role-based access control. limiting to the bank node and hardware security module It includes an asymmetric privacy and data blinding layer (43).

13. It is a system according to claim 1, and its characteristic is; • each agent in the chain of turnover mechanism (41) cycle only uses their own 5 enabling it to see its direct input and its own direct output. • Input the previous party's cryptographic reference into the transferred unit's data object. The source seals the acquiring party's reference as the output target, • isolates the transaction history of distant links in the chain at the software level It includes a bidirectional local traceability layer (44). 10 14. It is a system according to claim 1, and its characteristic is; • Cancellation of the main letter of guarantee limit or receiving a claim for compensation In this case, the immutable transaction record layer (11) ownership chain (12) by scanning the current owners of all subunits (31) in circulation and 15 listing the current stock balances in their wallets • Simultaneous cryptographic event notification to the relevant wallet user interfaces (1) published by, • a banking payment equivalent to the verified balance of each end beneficiary By triggering the elimination via its API, it completes the elimination with atomic synchronization (10). It includes an automatic compensation and situation resolution layer. 20 15. This method, according to Claim 1, is characterized by the fact that it will not be transferred for a specified period of time. declared sub-financial units (31) are locked from circulation status at memory level by changing the relevant amount from the circulatingLimit variable to lockedSavingsLimit a limit state that assigns resources to a variable, thereby isolating idle system resources. It includes the management layer (45). 25 16. Available funds allocated by a bank or Decentralized Finance protocol. risk capacity, independently before any warranty obligation arises. conversion to digital sub-financial units and limit-balance among users a physical way to circumvent the algorithm (9) provided that it passes the ceiling control 30 computer applications executed by a processor and isolated hardware memory It is a method, and its characteristic is; 32 • main collateral limit in a central limit database (8), processor data bus Hardware with cache-line alignment that prevents pseudo-data sharing. using counters, materialized data representing potential risk-taking capacity. defined as a numerical value, • at least one sub-financial unit in the amount selected from the said limit database (8) 5 (31) creation and assignment of a unique digital identity (19) to this unit, • the physical cryptographic hash value of the main collateral record of the sub-financial unit (31). as deterministically in an isolated Secure Execution Area The master record is cryptographically signed with a calculated sub-private key. connecting, 10 • In a partial turnover request, the specified amount is converted into a new sub-unit and sent to the buyer. the transfer and the remaining amount in the current owner's wallet, with the original UID preserved. continued detention, • For any transfer or partial turnover request, via the real-time circulation variable With atomic compare-replace instructions that operate at constant-time complexity, 15 whether the total of the subunits in circulation exceeds the main limit ceiling If the oversight is exceeded, the transaction will be rejected. • If it is confirmed that the limit ceiling has not been exceeded, the transfer cannot be changed. recording to the transaction log layer (11), • between central limit database (8) and immutable transaction record layer (11) 20 If data inconsistencies are detected, the process will be rolled back before partial recording occurs. automatic recovery in hardware memory by mechanism (24), • Cryptographic property lineage consistency verified during the reconciliation process Unless the restriction is met, any state transition will be considered invalid. The rollback mechanism (24) must be triggered, 25 It includes the steps of the process.

17. This method complies with Claim 2 and its characteristic is; • The mainTokenID hash value of the sub-private key's master collateral record is unique. With the input parameters digital identity (19) and transaction timestamp (16), a Derivation using a deterministic key derivation function, 30 • In this way, each subunit under the same main limit is cryptographically distinct from each other. their separation and the fact that each of them is computationally impossible to imitate, only verifiable through association with the main collateral record It includes the steps of the process.

18. This method complies with Claim 2 and its characteristic is; 35 33 • on the relevant sub-financial unit (31) when any transfer request is received, a temporary transaction lock limited to a predefined maximum period (22) creation, • a second simultaneous transfer attempt during the transfer window is technically impossible blocking and automatic rejection of all secondary transfer requests within the lock period. rejection, • The lock is automatically released when the process is complete. • If the transaction is not completed within the lock period, the lock will be released by timeout. Rollback mechanism for possible changes in the central limit database (8) (24) 10 It includes the steps of the process.

19. This method complies with Claim 2 and its characteristic is that in a partial endorsement transaction, the new amount transferred to the buyer. The sub-unit and the unit carrying the residual amount cannot be exchanged within the same atomic operation framework. recording of the transaction in the transaction log layer (11) and thus partial turnover or full turnover Ensuring its completion or that it does not happen at all process 15 It includes the steps.

20. The method according to claim 2, and its feature is that it is successful in the central limit database (8). However, rollback of incomplete transactions at the distributed ledger layer (11) the process of automatically recovering partial records without creating a partial record with the mechanism (24) It includes step 20.

21. It is a method according to Claim 2, and its characteristic is; • multiple sub-financial units (31) belonging to the same main limit and to the same owner, into a single a subunit merging module (34) that aggregates into a consolidated subunit Different banks compare the mainTokenID values ​​of each unit before merging. Preventing the merging of units belonging to pools at the software level, 25 • Combine the operation with a single operation summary using the atomic synchronization module (10) TxHash (32) records the immutable transaction log layer (11) under TxHash, • creating an unchangeable termination record for the original subunits It includes the steps of the process.

22. The method according to Claim 2, its characteristic is that the maturity date stated in the main collateral record is guaranteed 30 conditions and legal parameters, through an inheritance mechanism (20) and irrevocably, to each sub-financial unit (31) created and from partial turnover It includes the process step of transferring it to each newly created sub-unit (31-B). 34 23. The method according to Claim 2 is characterized by the fact that each party taking over a sub-financial unit (31), Verification as the current owner in the central limit database (8) then the ability to transfer the same endorsement rights to the next buyer, chain partial endorsement. in its transactions, the sub-private key hierarchy of each new subunit and the master collateral record inheritance of term and guarantee parameters through inheritance mechanism (20), 5 The remaining amount is kept in the original unique digital identity (19) of the current owner the continued retention in the wallet, and the ownership formed throughout all the rings The transaction chain is recorded in an immutable and sequential manner in the transaction log layer (11). It includes the steps involved in the acquisition process.

24. The method according to claim 2, and its feature is; an authentication module (35), transfer 10 or the buyer's identification number information must be obtained from GIB, MERSIS or prior to a partial endorsement request. Instant query via equivalent authorized registration system API, active taxpayer status. and simultaneously executes AML blacklist check and processes verification proof. Adding the transaction step to the immutable transaction record layer (11) with the record It includes. 15 25. The method according to claim 2, and its feature is; after the authentication module (35) a sectoral filtering module (28) that works in a sequential manner, the recipient's NACE code (26) or query the equivalent national / international sector classification code and this If the code matches the list of speculative sector codes (27), the transfer process It is the automatic rejection at the software level (29). 20 26. The method according to Claim 2, and its characteristic is; the speculative sector codes (27) real estate its activities include fuel trading, motor vehicle trading, and financial intermediation activities. This includes foreign exchange and financial speculation activities, and manufacturing, wholesale trade, and The authorization process for service / supply chain sectors includes the necessary steps.

27. This method, according to Claim 2, is characterized by the obligation being fulfilled at maturity. 25 If not brought, it will be automatically by the central limit management engine (7) Collection and recourse transactions triggered as a result of a smart contract (13) logic are human It involves a process step that is carried out without intervention.

28. The method according to Claim 2 is characterized by; dynamic data belonging to the sub-financial unit (31). The matrix (4) was created using an asymmetric signature algorithm with the bank's private key. Signature, updated owner information, balance upon completion of each transfer and partial endorsement. and its reproduction with TxHash (32) and through the bank’s public key via the internet It involves a verification step that can be done without any connection. 35 29. According to claim 2, the method is characterized by being a blockchain of distributed ledger layer (11). having the infrastructure and transfer transactions being irreversible on this infrastructure This includes the step of storing the records in TxHash (32) format.

30. The method according to Claim 2 is characterized by the fact that each transfer and partial endorsement transaction is recorded by the parties. Digitally signing using e-signature (5) certificates and transaction summary in accordance with RFC 5 A 3161 compliant trusted timestamp (16) cannot be altered on the server. It includes the step of storing the data.

31. The method according to Claim 2 is characterized by the fact that each transfer and partial endorsement transaction After completion, the summary of the transaction, which is evidentiary, is sent via KEP / REM (15) or The parties' official electronic 10 via equivalent Registered Electronic Delivery Service automatic transmission to their addresses and immutable transaction record layer mutually verifiable electronic delivery evidence recorded with the technical record TxHash (32) This involves the step of synchronizing the process in this way.

32. According to Claim 2, the method is characterized by the derivation, storage, and operation of sub-private keys. The process of signing the bank's digital signature (21) is done from the server main processor to the physical 15 and a logically isolated, tamper-resistant Hardware Security. This is done within the module or Trusted Execution Area, and thus... Even if the server operating system is compromised, the key hierarchy cannot be traced outside the hardware. It involves a process step that prevents it from being extracted or counterfeited.

33. The method according to Claim 2 is characterized by the fact that each change in state is permanent and 20 a pre-writing journal (23) before implementation for recoverability The writing and external verification service experienced an interruption due to a network or timeout. In this case, the system has a mechanism to prevent manipulation by unverified transactions. by entering safe shutdown mode, it suspends or rejects the relevant operation and This involves the process of returning to the last consistent state via WAL records. 25 34. The method according to Claim 2 is characterized by its ability to perform a transfer or partial endorsement audit, past Without scanning the entire chain of ownership, directly to the local inventory of the relevant wallet It includes the step of performing the operation via the line and global O(1) ceiling control.

35. The method according to Claim 2 is characterized by its sub-limits linked to the same main limit due to partial transfer. In cases where financial units have multiple end-owners, 30 at maturity. In the event of non-fulfillment of the obligation, the application obligation ends at the last minute. in the current balance ratio of the owner, in the immutable transaction record layer (11) Algorithmic allocation process based on the chain of ownership (12) record It includes the step. 36 36. The method according to claim 2, and its feature is that the atomic synchronization module (10) is a Two-stage agreement protocol for integration with the guarantor bank core system. execution; the relevant amount to the bank in the preparation phase of the protocol in question A notification of freezing is sent, awaiting approval, and it is in the approval phase. When the bank transfer is completed, the status of the sub-financial unit (31) and the main collateral 5 The total amount in circulation in the record must be updated in the same atomic transaction; otherwise This involves a reversal process step on both sides.

37. According to Claim 2, this is a method characterized by: free limit, blocked limit, and circulating limit. atomic counters, in simultaneous updates of different processor cores To prevent mutual invalidation of cache lines, memory allocation is 10. This involves the process step of subjecting the cache-line alignment constraint to a specific method.

38. It is a method according to Claim 2, and its characteristic is; • Sub-financial generated by the splitting module (2) and partial turnover module (33) units (31) as one-way non-cycle graphs in the memory layer structuring, 15 • Each successor data object must retain the memory of the predecessor data object that created it. It contains the address reference via a pointer, • In the origin verification of the chain of endorsement mechanism (41), the entire database instead of linear scanning (O(n)), in-memory scan of the relevant parent data objects. Direct access via markers, 20 • The main limit ceiling control is the materialized current circulation variable. (currentCirculation) is performed at a fixed time (O(1)) It includes the steps of the process.

39. It is a method according to Claim 2, and its characteristic is; • In an offline state where the network connection is interrupted, 25 on an endpoint device Secure Execution Space or Trusted Platform Module is held on the hardware chip. An irreversible monotonic counter is incremented by one with each transfer. • the meter value, transaction amount and unique digital identity (19) Dynamic data is signed within an isolated chip using the device's hardware private key. conversion to matrix (4), 30 • so that even if the device's operating system is cloned, the same sub-financial unit (31) Preventing duplicate spending offline It includes the steps of the process. 37 40. The method according to claim 2 is characterized by; each in the immutable transaction record layer (11) Calculating a Merkle tree structure for the transaction block and smart digital wallet. the validity of a turnover or partial turnover chain of the interface (1), record history Without downloading the entire thing, just the Merkle proof for the relevant operation and the Merkle root of the block. Verification of logarithmic time complexity (O(log n)) through summary process 5 It includes the steps.

41. It is a method according to Claim 2, and its characteristic is; • at the network interface card level, the main identifier in the header fields of incoming packets Hardware flow of parameters of identity or unique digital identity (19) separating the distribution with filters, 10 • Low latency for state-change requests requiring high concurrency routed to hardware queues and executed unlocked compare-and-swap commands pairing with specific processor cores, • and thus the hardware of routine interrogation traffic and atomic limit mutation traffic isolation at level 15 It includes the steps of the process.

42. According to claim 2, the method is characterized by the fact that the atomic synchronization step has a guarantor. with a two-stage agreement protocol for integration with the bank's core system. execution; • During the preparation phase, a notification is sent to the bank requesting the freezing of the relevant amount, and 20 waiting for approval, • When the bank transfer is completed during the approval phase, the sub-financial unit (31) the situation and the total amount in circulation in the main collateral record are the same atomic updating in the process It includes the steps of the process. 25 43. It is a method according to Claim 2, and its characteristic is; • Sub-financial generated with the splitting module (2) and partial turnover module (33) units (31) as one-way non-cycle graphs in the memory layer structuring, • each successive data object has a derived sub-private key hierarchical relationship of 30 Accordingly, the memory address reference of the antecedent data object that constitutes it to contain within itself via a pointer, 38 • chain of turnover mechanism (41) in origin verification, the entire database instead of linear scanning (O(n)), in-memory scan of the relevant parent data objects. direct access via markers, • The main limit ceiling control is the materialized current circulation variable. Performing it in fixed time (O(1)) 5 It includes the steps of the process.

44. This method, according to Claim 2, is characterized by its offline state when the network connection is interrupted. In this case, a Secure Execution Space or Trusted Platform on an endpoint device Each of the module's non-reversible monotonic counters is stored on the hardware chip. An increase in the transfer, the meter value in question, the transaction amount and the unique 10 digital identity (19) signed in an isolated chip with the device’s hardware private key conversion to dynamic data matrix (4) and thus the device's operating system Even if cloned, the same sub-financial unit (31) is duplicated offline Preventing the spending involves taking the necessary steps.

45. The method according to claim 2 is characterized by; every 15 in the immutable transaction record layer (11). Calculating a Merkle tree structure for the transaction block; and smart digital wallet. the validity of a turnover or partial turnover chain of the interface (1), record history Without downloading the entire thing, just the Merkle proof for the relevant operation and the Merkle root of the block. Verification process with logarithmic time complexity (O(log n)) via summary It includes the steps. 20 46. ​​The method according to Claim 2 is characterized by its derived open value corresponding to the sub-financial unit. the hash value of the key is stored in the immutable transaction record layer (11) and The origin verification of the sub-financial unit in question is recorded in the central limit database (8) the steps of the process to be carried out through cryptographic verification without access It includes. 25 47. This method, according to Claim 2, is characterized by its provision of the public key summary of the sub-financial unit. recording to the immutable transaction record layer (11) and origin verification is mentioned The subject is to perform the transaction based on the summary value and includes the steps involved.

48. According to claim 2, the characteristic is that the duration of the temporary transaction lock (22) remains active, system Dynamic determination based on the working parameters monitored by 30 and if the said period is exceeded, the rollback mechanism (24) It includes the steps for the process to be triggered automatically.

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