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246 results about "Digital currency" patented technology

Digital currency (digital money, electronic money or electronic currency) is a type of currency available in digital form (in contrast to physical, such as banknotes and coins). It exhibits properties similar to physical currencies, but can allow for instantaneous transactions and borderless transfer-of-ownership. Examples include virtual currencies, cryptocurrencies, and central bank digital currency. These currencies may be used to buy physical goods and services, but may also be restricted to certain communities such as for use inside an online game.

Methods and systems for facilitating collection of road user charges using a digital currency based on a distributed ledger technology

A system and method for facilitating collection of Road User Charges (RUC) using a digital currency within a Distributed Ledger Technology (DLT) network are disclosed. The system generates secure digital wallets for Road Users and Facility Owners, receives trip, position, distance, and cost data from vehicles, sensors, and facility systems, and encodes settlement logic into smart contracts. These contracts automatically execute jurisdiction-specific disbursements across blockchain, directed acyclic graph (DAG), or hashgraph frameworks, ensuring scalability and auditability without reliance on centralized tolling infrastructure. An AI Activity Module processes multi-source telemetry—including vehicle sensors, GNSS / PNT data, roadside infrastructure, and third-party traffic feeds—to detect congestion, forecast conditions, optimize routing, and dynamically adjust segment-level RUC pricing in real time. The integration of AI-driven adaptive pricing with distributed ledger settlement provides a decentralized, infrastructure-agnostic framework for secure, transparent, and verifiable road use fee collection across multiple jurisdictions, distinct from conventional tolling systems.
Owner:LOCHRANE TAYLOR WILLIAM PAUL

Decentralized identity permissioned privacy enhancing technology

This disclosure provides techniques to utilize decentralized identifiers (DIDs) and verifiable credentials for secure, privacy-preserving transactions. In one aspect, a method is provided that includes: receiving user information; determining a DID based on the information; providing the DID to a user device; verifying the user's identity by validating the DID and associated verifiable credentials; and performing a transaction based on the verified DID. Other aspects are provided, such as generating a public-private key pair for the user, associating the DID with the public key, and / or creating a DID document stored on a distributed ledger accessible to authorized entities. Further aspects include processing transactions through smart contracts on a blockchain network, which may involve converting central bank digital currency to fiat currency while maintaining user privacy, applying transaction limits based on verified identity attributes, and providing zero-knowledge proofs to auditors to verify compliance without accessing underlying transaction details.
Owner:HSBC SOFTWARE DEV (GUANGDONG) LTD

Transaction method and transaction system based on digital currency hard wallet

The embodiment of the invention provides a transaction method and transaction system based on a digital currency hard wallet, and the method comprises the steps: an industry terminal transmits a feature negotiation request to an interactive hard wallet; in response to the fact that the hard wallet receives a successfully matched feature negotiation result determined by the hard wallet according to the feature negotiation request and the features of the hard wallet, the industry terminal generates a first authentication key by using a security algorithm; the industry terminal initiates bidirectional authentication verification with the hard wallet, information sent by the hard wallet is verified by using the first authentication key, and information sent by the industry terminal is verified by the hard wallet by using a second authentication key generated by a security algorithm; and in response to a result that the bidirectional authentication verification is passed, the industry terminal executes an industry data rewriting operation on the hard wallet and completes the transaction service, and after the transaction service is completed, the industry terminal sends the transaction data to the hard wallet. And the transaction information is sent to the associated operation mechanism system through the industry background system, so that the associated operation mechanism system carries out payment transaction processing according to the transaction information.
Owner:THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST

Systems and methods for interoperable blockchains and cross-chain data message communication

Systems and methods for enabling secure and efficient interoperability between multiple blockchains, particularly for Central Bank Digital Currency (CBDC) issuance and transfer are described. This architecture allows independent blockchains, each managed by different financial institutions or authorities, to exchange digital assets using a unified cross-chain protocol. Key features include smart contracts for locking, minting, unlocking, and burning digital tokens, relayer subroutines for message transfer, and observer nodes for real-time monitoring and reconciliation. Multi-signature wallets ensure that critical actions require approval from multiple parties, enhancing security and compliance. The system supports both reversible and irreversible cross-chain transfers, dynamic load management, and upgradable smart contracts.
Owner:HSBC SOFTWARE DEV (GUANGDONG) LTD

Personal financial network with personalized digital coins

Method for managing payment transactions associated with a task completion includes receiving a service assignment and a digital coin value associated with the service assignment over a network from a first computing device associated with a first user, and sending the service assignment over the network for display on a second computing device associated with a second user. The method also includes receiving notification from the second user that the assigned service has been completed, and transferring digital coins equal to the digital coin value of the service assignment from a first digital wallet associated with the first user to a second digital wallet associated with the second user. The method further includes recording the transfer of the one or more digital coins in the digital coin ledger, and applying the one or more digital coins in the second digital wallet to acquire a purchase item.
Owner:ROTATION 5 LLC

Method for creating a trusted map of verified secure nodes for a network of nodes in a quantum internet

Method for providing a ledger of verified nodes for a network of nodes in a quantum internet, comprising: / a / sending (101), by a central node (N-CH), first qubits (qb1) to a first node (N-U1) and second qubits (qb2) to a second node (N-U2), wherein each first qubit (qb1) is entangled with a second qubit (qb2); / b / sending (102), by the central node (N-CH), digital coins to each first node (N-U1) and each second node (N-U2); / c / saving (103) to a ledger: information regarding identities of the first, second and central nodes (N-U1, N-U2, N-CH), and information regarding a comparison of first information determined from the first qubits (qb1) to second information determined from the second qubits (qb2); and / d / if the first information corresponds to the second information, sending (105), by the first and second nodes (N-U1, N-U2), said digital coins back to the central node (N-CH).
Owner:BULL SA

Dynamic power distribution method for charging pile

The invention discloses a dynamic power distribution method for a charging pile, and relates to the technical field of electric vehicle charging, and the method comprises the following steps: deploying a block chain on a bidirectional charging pile, deploying a V2G authorization smart contract on a block chain network, uploading a real-time load signal and vehicle battery operation data to a block chain distributed account book, and transmitting the real-time load signal and the vehicle battery operation data to the block chain distributed account book; and screening discharging vehicles and generating a hierarchical power distribution instruction in combination with the V2G authorization smart contract, executing the hierarchical power distribution instruction through the discharging vehicles, automatically calculating a compensation amount according to the V2G authorization smart contract, and carrying out settlement transaction. Through combination of a V2G authorization intelligent contract and a dynamic grading power distribution strategy, V2G whole process data is recorded in a distributed account book, discharge grade groups are divided based on a battery state to optimize resource configuration, a compensation amount is automatically calculated, digital currency transfer is completed, and an efficient, transparent and safe charging pile power dynamic distribution method is realized.
Owner:MIANYANG HIGH-TECH ZONE HENGAO ELECTRONIC TECH CO LTD

Secure payment transaction device

A secure payment transaction device, includes one or more monetary value tokens of a monetary value token system; a monetary value token management unit adapted to directly exchange monetary value tokens in transactions of the monetary value token system; an updating unit for updating data of the secure payment transaction device. An online authentication information of an online digital money system can be added to the secure payment transaction device via the updating unit thereby enabling use of the secure payment transaction device in the online digital money system.
Owner:GIESECKEDEVRIENT ADVANCE52 GMBH

Contingent payments for virtual currencies

Approaches are described for contingent transfers of value. A configuration record for an account associated with a virtual wallet is obtained. The configuration record is used to evaluate at least one virtual wallet of an owner account. Based on the configuration record, keys or other secret data and an authorization scheme can be determined and applied to virtual wallets that are part of a contingent contract. Thereafter, the virtual wallets can be utilized to exchange tangible and virtual digital currencies in various financial transactions, banking operations, and other asset exchanges and / or utilized for another purpose such as exchanging an irreversible transfer of value as in a virtual currency to a reversible transfer of value as in fiat currency or a financial instrument.
Owner:KRASNYANSKY SERGE M

Application program management method and system based on digital currency hard wallet

The embodiment of the invention provides an application program management method and system based on a digital currency hard wallet. The method comprises the steps that a proxy terminal receives a hard wallet application program and installs the hard wallet application program in a hard wallet, and the hard wallet application program supports industry application programs used in different industry scenes; the proxy terminal receives the hard wallet personalized data and writes the hard wallet personalized data into the hard wallet, and the hard wallet personalized data is provided by the wallet management server and comprises hard wallet data corresponding to the identity of the hard wallet and industry application data; the proxy terminal sends an execution result of the write-in operation, so that the wallet management server modifies the state of the corresponding hard wallet to be valid; the proxy terminal receives the industry application state change instruction and modifies the state of the corresponding industry application data in the hard wallet to be valid; and the proxy terminal sends an execution result, so that the wallet management server modifies the state of the corresponding industry application data to be valid. Through the method, the use of the hard wallet in a plurality of industry scenes can be supported.
Owner:THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST

Method for secure, traceable and privacy-preserving digital currency transfer with anonymity revocation on a distributed ledger

The present disclosure relates to a method for secure, traceable and privacy-preserving with anonymity revocation digital currency transfer to at least a first user from a second user among a plurality of banked and unbanked users by using a distributed ledger comprising a plurality of ledger nodes, wherein said users perform Digital Currency transfers by adding transactions on this ledger using user devices configured to be connected to said nodes, to a registration authority and to a revocation authority, said authorities owning each one a public / private key pair, comprising:an enrollment phase, performed by a user device of said first user, comprising:sending to the registration authority evidence of the first user's identity,generating a first user identification key pair comprising a first user identification public key and a first user identification secret key,sending to the registration authority said generated first user identification public key,receiving from the registration authority a signed token generated by the registration authority after the registration authority verified first user's identity based on said evidence, said signed token being generated by signing with the registration authority secret key a token comprising said first user identification public key and said first user's identity encrypted with said revocation authority public key,a transaction phase, performed by said user device of said first user, comprising: participating with said second users in a Digital Currency transfer transaction to be added to the distributed ledger,wherein said signed token enables the revocation authority to revoke first user's anonymity by retrieving first user's identity.
Owner:THALES DIS FRANCE SA

Bank-driven model for preventing double spending of digital currency transferred between multiple DLT networks using a trusted intermediary

A method for preventing the double-spending of digital currency that transfers between multiple distributed ledger technology (DLT) networks. The method includes detecting a request to transfer a first digital currency from the a DLT network of a first type to a second DLT network of a second type. The method further includes, in response to an indication from an exchange node that the first digital currency is to be destroyed, destroying the first digital currency from the first DLT network. The method further include creating a second digital currency on the second DLT network. Creating the second digital currency on the second DLT network further includes attaching a serial number to the second digital currency.
Owner:WELLS FARGO BANK NA

Digital currency wallet management method, apparatus, and system, remote control method, apparatus and system for digital currency wallet

The provided are a digital currency wallet management method, apparatus, and system, remote control method, apparatus and system for a digital currency wallet which relate to the field of computer technologies. A method includes: detecting a connection state with a digital currency platform; obtaining a current moment by means of a communication satellite in a case that the connection state with the digital currency platform indicates an offline state; calculating an offline duration according to the current moment and a self-saved last synchronization moment; determining whether the offline duration is greater than a preset offline duration; and in a case that it is determined that the offline duration is greater than the preset offline duration, generating a wallet key information set, and sending the wallet key information set to the digital currency platform, so that the digital currency platform synchronizes and processes the wallet key information set.
Owner:THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST

An identity information acquisition method, an operation service end and a system

ActiveCN121563516BDigital currencyEngineering
The embodiment of the present disclosure discloses an identity information acquisition method, an operation service end and a system. The method comprises the following steps: a digital currency system generates a pull parameter acquisition request; the digital currency system sends the pull parameter acquisition request to an operation service end associated with a user wallet, so that the operation service end generates a ticket identifier acquisition message, and acquires a ticket identifier from an identity authentication service end based on the ticket identifier acquisition message; the digital currency system acquires an authorization code from the identity authentication service end according to a pull parameter response; the operation service end sends an encrypted access token acquisition request and an encrypted identity information acquisition request to the identity authentication service end, so that the identity authentication service end returns identity information of the user wallet according to a to-be-acquired identity information list. The embodiment of the present disclosure uses the mechanism of "authorization code" and "access token", effectively acquires user identity information, and guarantees the safe and stable operation of the digital currency system.
Owner:THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST

Balance inquiry and display method and apparatus

The present invention relates to the field of digital currency payment. Disclosed are a balance inquiry and display method and apparatus. A specific embodiment of the method comprises: in response to a balance inquiry operation, acquiring wallet information from a target hardware wallet that has established a connection with a terminal; on the basis of the wallet information, sending a balance inquiry request to a background system, such that the background system verifies the target hardware wallet and then returns the latest balance information of the target hardware wallet and a display instruction to the terminal; and if still in a connected state with the target hardware wallet, sending the latest balance information and the display instruction to the target hardware wallet, such that the target hardware wallet displays the latest balance information. The embodiment provides users with an intuitive and convenient way to make a balance inquiry.
Owner:THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST

A remote control method, device and system for a digital currency wallet

The application discloses a remote control method, device and system of a digital currency wallet, and relates to the technical field of computers, and is applied to a digital currency platform. A specific embodiment of the method comprises the following steps: setting a remote control trigger condition according to business security requirements, generating a remote control instruction when the remote control trigger condition is met, sending the remote control instruction to a Beidou satellite system, receiving a remote control instruction sent by the digital currency platform, encoding the remote control instruction according to a Beidou message protocol to obtain a target message, forwarding the target message to a target digital currency wallet terminal in an offline state according to a wallet number, receiving the target message forwarded by the Beidou satellite system, decoding the target message to obtain the remote control instruction, and performing corresponding operations according to an operation mode indicated by the remote control instruction, so as to realize remote control in an offline state. The embodiment improves the safety factor of the digital currency wallet terminal and improves the remote control effect.
Owner:THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST

Digital currency transaction method and acceptance terminal thereof

The embodiment of the invention provides a digital currency transaction method and an acceptance terminal thereof. The acceptance terminal comprises: a storage module configured to store acceptance area data, the acceptance area data representing an authorized distance range between the acceptance terminal and an auxiliary positioning device when the acceptance terminal is allowed to execute a digital currency collection transaction; the communication module is configured to receive a broadcast signal sent by the auxiliary positioning equipment; the processing device is configured to determine the distance between the acceptance terminal and the auxiliary positioning equipment according to the broadcast signal when a digital currency collection transaction to the payment terminal is executed, and identify whether the acceptance terminal is in an acceptance area based on the distance and the acceptance area data; and controlling the digital currency collection function of the acceptance terminal to be available or unavailable according to the acceptance area identification result. According to the scheme, whether the digital currency collection transaction is allowed to be executed or not can be judged according to the position of the acceptance terminal, and a merchant can be prevented from violating or even violating the digital currency transaction to a certain extent.
Owner:SHENZHEN FINANCIAL TECH INST (FINANCIAL TECH INST PBC) +1

A key management method and device of a digital currency wallet

Embodiments of the present application provide a key management method and device for a digital currency wallet, the method comprising: receiving a generation instruction for generating a digital currency wallet issued by a user; selecting a target question of a set number and randomly ordering the target question from a preset question database according to the generation instruction; receiving a target answer to the target question issued by the user; generating a mnemonic word for the digital currency wallet according to the target answer; generating a private key for the digital currency wallet according to the mnemonic word; generating a public key and a wallet address for the digital currency wallet according to the private key; wherein the preset question database is obtained by the following process: receiving a target question set; obtaining the preset question database according to the target question set. Embodiments of the present application can solve the problems of mnemonic word memorization difficulty and high loss risk.
Owner:GUANGZHOU HELIBAO PAYMENT TECH CO LTD

Settlement Method and Apparatus Based on Digital Currency Wallet System, and Wallet System

The present disclosure relates to the technical field of computers, and discloses a settlement method and apparatus based on a digital currency wallet system, and the wallet system. A specific implementation of the method includes: opening an umbrella-top wallet and one or more umbrella-bottom wallets corresponding to the umbrella-top wallet; receiving a collected digital currency by using the umbrella-top wallet, and top-to-bottom fund transferring the collected digital currency to the one or more umbrella-bottom wallets; and settling a fund to one or more umbrella-bottom entities in response to one or more settlement requests.
Owner:THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST +1

Coin counting prepayment management method and system

PendingCN122288698ADigital currencyTime data
This invention discloses a digital currency prepayment management method and system. The method includes the following steps: S1, acquiring multi-dimensional real-time data in a digital currency prepayment scenario, and preprocessing the data by cleaning, normalizing, and format standardization; S2, inputting the preprocessed multi-dimensional data into a trained machine learning risk prediction model, and using the model to extract features and calculate risk probabilities; S3, determining the risk level based on the risk probabilities, and generating early warning prompts or automatically triggering corresponding control measures according to preset risk response rules. This invention relates to the field of digital currency prepayment management technology. This digital currency prepayment management method and system, through comprehensive collection and cleaning of multi-dimensional real-time data, combined with risk prediction using a machine learning model, can efficiently and accurately identify potential risks, avoiding the misjudgments and omissions that may occur in traditional early warning mechanisms based on simple rules, and improving the accuracy of risk prediction.
Owner:SHENZHEN ZHIHUI TIANCHEN INTELLIGENT TECHNOLOGY CO LTD

Photonic implementation of message generation for digital currency transactions

Embodiments of the present disclosure are directed to a photonic implementation of a processor for message generation for digital currency (e.g., bitcoin) transactions. The processor includes an input photonic circuit and a message generation photonic circuit coupled to the input photonic circuit via a first set of optical connections. The input photonic circuit receives input data of a first size and splits the received input data into a plurality of input messages of a second size. The message generation photonic circuit receives the plurality of input messages from the input photonic circuit via the first set of optical connections, and generates a plurality of output messages of the second size based at least in part on the plurality of input messages.
Owner:MILKSHAKE TECH INC

Information processing device

We provide an information processing device that properly manages digital money accounts while maintaining user convenience. [Solution] The information processing device 10 includes an account storage unit 11 that manages user accounts, an account opening status storage unit 15 that stores the value type of a user's account and its account opening status, an account opening request receiving unit 12 that receives an account opening request for a cash value account from a user terminal, a duplicate determination unit 13 that determines whether the user who sent the account opening request has another cash value account based on the data in the identity verification data storage unit 14, and an update unit 16 that stores data in the account opening status storage unit 15 indicating that the prepaid value account is not yet opened when it is determined that the user has another cash value account. When the information processing device 10 receives an account opening request, if the prepaid value account is not yet opened, it processes the opening of the prepaid value account.
Owner:NTT DOCOMO INC

Key management method, mobile device for digital currency transaction, apparatus, system, and storage medium

Embodiments of the present disclosure provide a key management method, a mobile device for a digital currency transaction, an apparatus, a system, and a storage medium. The mobile device serves as an acceptance terminal, and comprises a digital currency acquirer application executable in a first execution environment and a digital currency trusted application executable in a second execution environment, and the second execution environment is securely isolated from the first execution environment. The digital currency acquirer application is configured to send a key application request to a digital currency background system, receive core key data by means of a secure channel between the digital currency background system and the mobile device, and when it is detected that the mobile device has the second execution environment and the executable digital currency trusted application is installed in the second execution environment, send the core key data to the digital currency trusted application. The digital currency trusted application is configured to receive the core key data sent by the digital currency acquirer application and store the core key data in the second execution environment.
Owner:THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST

Cross-border payment processing method and apparatus, electronic device, computer-readable storage medium, and computer program product

The application provides a cross-border payment processing method, device, electronic equipment, computer readable storage medium and computer program product; the method comprises the following steps: in response to the payment delegation creation operation triggered in the cross-border payment setting interface, display the set exchange rate threshold, the delegation validity period, the target currency and the delegation exchange amount; in response to the delegation confirmation operation triggered in the cross-border payment setting interface, deploy a smart contract for executing the exchange operation in the blockchain network, and jump from the cross-border payment setting interface to the detection waiting interface; in response to the fact that the real-time exchange rate is less than or equal to the exchange rate threshold, and the time when the real-time exchange rate is less than or equal to the exchange rate threshold is within the delegation validity period, triggering the smart contract to call the payment execution interface, and exchanging the first digital currency of the delegation exchange amount into the second digital currency belonging to the target currency; in response to the successful exchange, display the execution result interface. Through the application, the exchange loss can be effectively reduced.
Owner:TENPAY PAID TECH

AI and security enhancements to a secure, compliant electronic trading platform using the open outcry methodology

A secure, compliant trading platform for securities exchange using the open outcry methodology within a secure electronic exchange environment that reduces or eliminates unfairness and opportunities for fraud within the marketplace. Enhancements to the system include the addition of an exchange blockchain for recording all trade events, smart contracts that allow the use of digital currencies for monetary transactions associated with trades, and an intelligent exchange assistant that monitors the exchange member's activity and offers contextual notifications and makes recommendations in real-time to assist the exchange member. The system assures that private information is retained private and the blockchain records immutable data that is used for compliance checking and performance analytics.
Owner:MELKOMIAN RAYMOND MICHAEL

Digital currency settlement method and device, electronic equipment and readable storage medium

PendingCN121937117AImprove settlement efficiencyRealize automated management and controlFinancePayment circuitsDigital currencyDatabase
The invention discloses a settlement method and device of digital currency, electronic equipment and a readable storage medium, relates to the technical field of digital currency, and aims to solve the problem that the settlement process of the digital currency is low in efficiency. The method comprises the steps that digital currency is transferred from an umbrella top wallet of a service provider to at least part of umbrella bottom wallets in a plurality of umbrella bottom wallets based on order data, the order data is used for determining the amount of the digital currency transferred to the umbrella bottom wallets, and each umbrella bottom wallet corresponds to one merchant; executing a collection operation on the plurality of umbrella bottom wallets, wherein the collection operation is used for collecting the digital currency of at least part of the umbrella bottom wallets to a summarized umbrella bottom wallet of the service provider; and according to a preset settlement rule, the digital currency in the summarized umbrella bottom wallet is settled to settlement accounts of a plurality of merchants. According to the embodiment of the invention, the efficiency of the digital currency settlement process can be improved.
Owner:CHINA MOBILE FINANCIAL TECHNOLOGY CO LTD +2

Digital currency management method and system

The disclosure relates to the technical field of computers. Disclosed are a digital currency management method, apparatus and system. A specific implementation of the method includes: sending one or more first digital currencies to a first currency management apparatus corresponding to a first client, where the one or more first digital currencies belong to one or more second currency management apparatuses different from the first currency management apparatus; and receiving a second digital currency, which is generated by the first currency management apparatus according to the one or more first digital currencies, where the denomination of the second digital currency is equal to the sum of denominations of the one or more first digital currencies.
Owner:THE PEOPLES BANK OF CHINA DIGITAL CURRENCY INST

Systems and methods for mobile digital currency future exchange

A system for a mobile digital currency exchange is disclosed. The system may receive a sign-in data. The system may generate an authentication request based on the sign-in data. The system may receive an authentication data. The system may display a trading interface comprising a portfolio drawer based on the authentication data, wherein the portfolio drawer is configured to display an instrument detail and an account summary.
Owner:HDR SG PTE LTD

Information processing method, program, and information processor

To provide an information processing method and the like capable of issuing a receipt for a transaction using digital money such as crypto-assets in the form of an NFT (Non-Fungible Token).SOLUTION: An information processing method causes a computer to execute processing of acquiring payment information of a user using digital money, transaction history of which is recorded on a blockchain, the payment information including a wallet address of the user, and issuing, based on the payment information, an NFT in which receipt information is described, to the wallet address. Preferably, a public key of the user is acquired, and the NFT encrypted using the public key is issued.SELECTED DRAWING: Figure 1
Owner:GU TECHNOLOGIES INC