Chat-Based Digital Wallet Transfers With Recipient Verification

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Solution Overview

Problem

Existing digital wallet applications require users to execute numerous steps and have knowledge of recipient information, making digital asset transfers time-consuming and prone to user error, especially for inexperienced users.

Innovation Solution

A system enabling digital asset transfers through a conversation interface using natural language commands assisted by an automated software agent, allowing users to transfer assets without authentication and utilizing a @name notation to retrieve public addresses, and incorporating machine learning for recipient verification.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If users follow traditional digital wallet transfer procedures, then security is maintained through authentication and verification steps, but the transfer process becomes time-consuming and complex for users

Engineering Contradiction:
Improvetransfer securityVSAvoiduser interaction complexity
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The patent introduces an automated software agent as an intermediary between the user and the digital asset transfer system. This agent handles authentication, verification, and transaction execution based on natural language commands, thereby maintaining security protocols while significantly reducing user interaction complexity. The agent acts as a mediator that translates simple user intent into complex secure transfer operations.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system enables self-service by allowing users to initiate transfers through simple natural language commands without manually navigating through complex authentication interfaces. The automated agent autonomously handles the verification and execution processes, making the system serve itself by automatically managing security protocols without requiring user expertise.

Inventive Principle:
Principle #25Self-service

2Manufacturing precision

If users manually enter recipient information and follow multiple transfer steps, then accurate asset transfer is achieved, but the process becomes prone to user error and time-consuming

Engineering Contradiction:
Improvetransfer accuracyVSAvoidtransfer duration
Core Design Contradiction:
Manufacturing precisionVSLoss of time

Solution Approach 1:

The system performs preliminary actions by pre- validating recipient information and transaction parameters through the automated agent before the user initiates the transfer. The agent proactively checks for errors, verifies recipient addresses, and prepares transaction details in advance, thereby ensuring accuracy while reducing the time users spend on manual verification and correction.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent replaces the mechanical system of manual information entry and step-by-step navigation with natural language processing. Users simply speak or type their transfer intent, and the automated agent interprets and executes the command, substituting complex manual operations with intelligent automated processing that is both faster and more accurate.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

3Adaptability or versatility

If inexperienced users attempt to use traditional digital wallet interfaces, then they can access digital asset functionality, but they are likely to make errors due to lack of knowledge about recipient information and transfer procedures

Engineering Contradiction:
Improveuser accessibilityVSAvoidtransfer success rate
Core Design Contradiction:
Adaptability or versatilityVSReliability

Solution Approach 1:

The automated software agent serves as an intermediary that guides inexperienced users through the transfer process. It interprets natural language commands, automatically retrieves necessary information, and performs verification steps that would otherwise require user knowledge. This mediator ensures that users of any experience level can successfully complete transfers without errors.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system provides self-service capabilities that automatically handle all complex aspects of digital asset transfer. Inexperienced users simply need to express their transfer intent in natural language, and the system autonomously manages authentication, recipient verification, and transaction execution, making the service adaptable to all user skill levels while maintaining high reliability.

Inventive Principle:
Principle #25Self-service

Data Source

PatentUS12511642B2Using a conversation interface to transfer digital assets
Publication Date: 2025.12.30 CELLIGENCE INTERNATIONAL LLC
  • US12511642B2 patent drawing
  • US12511642B2 patent drawing
  • US12511642B2 patent drawing

AI summary

Systems and methods are provided for facilitating digital asset transfer via natural language commands using a conversation or chat interface associated with a digital wallet application. The digital wallet owner may exchange commands with an assistant user. The assistant user may comprise an automated software agent. The digital wallet owner may transfer digital assets to a recipient's digital wallet identified by command to the assistant user. The transfer command may comprise the recipient's name preceded with a “@” notation.