Instant Payment Governance Checkpoints for Byzantine Fault Tolerance

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Solution Overview

Problem

Digital transactions face challenges in verifying transaction aspects, preventing fraud, and expediting processing without excessive processor power consumption.

Innovation Solution

A payment management system utilizing a payment management unit, operation unit, governance unit, validation unit, and payment unit, with Byzantine Fault Tolerance, to create epochs and checkpoints, ensuring low latency and secure transactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Speed

If traditional digital transaction verification methods are used, then transaction security is maintained, but processing speed decreases and processor power consumption increases

Engineering Contradiction:

Improvetransaction processing speedVSAvoidprocessor power consumption

Core Design Contradiction:

SpeedVSUse of energy by moving object

Solution Approach 1:

The transaction verification process is divided into multiple epochs, each containing specific tasks that are verified independently. This segmentation allows parallel processing of different transaction batches, improving overall processing speed while reducing the computational burden on individual processors.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system performs preliminary verification actions by creating checkpoints at predetermined intervals during transaction processing. These checkpoints validate transaction states in advance, allowing the system to quickly detect and reject invalid transactions without completing full verification, thereby reducing processor power consumption.

Inventive Principle:

Principle #10Preliminary action

2Reliability

If comprehensive transaction verification is performed, then fraud prevention is improved, but transaction processing time increases

Engineering Contradiction:

Improvefraud prevention capabilityVSAvoidtransaction processing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system creates checkpoints at predetermined intervals during transaction processing to perform preliminary validation. These checkpoints verify critical transaction aspects early in the process, allowing the system to quickly identify and reject fraudulent transactions without completing full verification, thus reducing processing time while maintaining fraud prevention effectiveness.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system implements a feedback mechanism where validation results from previous epochs and checkpoints are used to inform subsequent verification steps. This allows the system to adaptively adjust verification intensity based on transaction patterns, maintaining high fraud detection capability while minimizing processing time for legitimate transactions.

Inventive Principle:

Principle #23Feedback

3Reliability

If detailed transaction validation is performed, then transaction security is improved, but memory requirements increase

Engineering Contradiction:

Improvetransaction validation accuracyVSAvoidmemory requirements

Core Design Contradiction:

ReliabilityVSQuantity of substance

Solution Approach 1:

The validation process is divided into multiple epochs, each verifying specific transaction aspects independently. This segmentation allows the system to validate transactions in smaller, manageable chunks that require less memory at any given time, while maintaining comprehensive validation coverage across all transaction elements.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system performs preliminary validation by creating checkpoints that verify critical transaction states early in the processing pipeline. This allows the system to identify and discard invalid transactions before allocating full validation resources, thereby reducing peak memory requirements while maintaining validation accuracy.

Inventive Principle:

Principle #10Preliminary action

4Productivity

If fast transaction processing is implemented, then processing speed is improved, but transaction security may be compromised

Engineering Contradiction:

Improvetransaction processing throughputVSAvoidtransaction security

Core Design Contradiction:

ProductivityVSReliability

Solution Approach 1:

The system processes transactions through multiple epochs in parallel, with each epoch performing specific validation tasks. This segmentation enables high throughput by distributing processing load across multiple concurrent operations, while each epoch maintains security checks to ensure transaction integrity.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system implements continuous feedback mechanisms where each epoch and checkpoint reports validation results back to the central coordination. This allows the system to maintain security oversight across all parallel processing operations, ensuring that fast processing does not compromise transaction security.

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS20260044849A1Byzantine fault tolerance for instant payment and methods of performing the same

Publication Date: 2026.02.12 1MONEY CO

AI summary

A payment management system including a payment management unit that initiates a transaction, an operation unit that manages the issuance of at least one certificate, a governance unit that operates based on at least one parameter defined in the at least one certificate; at least one validation unit that receives the at least one certificate and validates portions of the transaction; and a payment unit that issues payment based on the terms of the at least one certificate, where the operation unit crates a governance protocol for each transaction with the governance protocol including at least one epoch and at least one checkpoint.