IT202000026488A1 - Innovative method and system for payments with digital money and application on the blockchain - Google Patents
Innovative method and system for payments with digital money and application on the blockchain Download PDFInfo
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- IT202000026488A1 IT202000026488A1 IT102020000026488A IT202000026488A IT202000026488A1 IT 202000026488 A1 IT202000026488 A1 IT 202000026488A1 IT 102020000026488 A IT102020000026488 A IT 102020000026488A IT 202000026488 A IT202000026488 A IT 202000026488A IT 202000026488 A1 IT202000026488 A1 IT 202000026488A1
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- 238000010200 validation analysis Methods 0.000 claims description 6
- 238000011158 quantitative evaluation Methods 0.000 claims description 2
- 230000001360 synchronised effect Effects 0.000 claims 1
- 238000005516 engineering process Methods 0.000 description 4
- 238000012795 verification Methods 0.000 description 3
- 238000012986 modification Methods 0.000 description 2
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Classifications
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3236—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using cryptographic hash functions
- H04L9/3239—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using cryptographic hash functions involving non-keyed hash functions, e.g. modification detection codes [MDCs], MD5, SHA or RIPEMD
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees
Description
Descrizione dell?Invenzione Industriale avente per titolo: Description of the Industrial Invention entitled:
?Metodo e sistema innovativo per pagamenti con denaro digitale e applicazione sulla blockchain? ?Innovative method and system for payments with digital money and application on the blockchain?
DESCRIZIONE DESCRIPTION
La presente invenzione si riferisce ad un metodo e sistema innovativo per pagamenti con denaro digitale e applicazione sulla blockchain. The present invention refers to an innovative method and system for payments with digital money and application on the blockchain.
I pagamenti abilitati mediante strumenti mobili quali lo smartphone, il tablet e/o il computer, sono costantemente oggetto di novit? ed innovazioni e consentono l?accesso a molteplici servizi quali ad esempio lo scambio di denaro tra privati oppure la raccolta di quote, mediante operazioni di Instant Payment che permettono l?invio e l?accesso in tempo reale degli importi di denaro relativi alle transazioni, al destinatario. Payments enabled through mobile tools such as smartphones, tablets and/or computers are constantly being updated? and innovations and allow access to many services such as, for example, the exchange of money between private individuals or the collection of shares, through Instant Payment operations which allow the sending and access in real time of the amounts of money relating to the transactions, to the recipient.
L?utilizzo della blockchain consente la verifica dell?autenticit? dei dati inseriti da parte degli utenti e di ogni transazione registrata poich? il suo contenuto una volta scritto non ? pi? modificabile n? eliminabile a meno di non invalidare l?intera struttura; la validazione della blockchain ha lo svantaggio di essere ridondante poich? l?inserimento di un nuovo dato implica la modifica di tutto il contenuto proprio perch? essa non ha un sistema di accesso controllato da un utente o da un gruppo. The use of the blockchain allows the verification of the authenticity of the data entered by users and of each recorded transaction since? its content once written not ? more editable n? can be eliminated unless the entire structure is invalidated; the validation of the blockchain has the disadvantage of being redundant because? the insertion of a new datum implies the modification of all the content precisely why? it does not have an access system controlled by a user or a group.
L?integrit? e la sicurezza di questi sistemi ? affidata agli algoritmi di consenso, che determinano ad esempio la validit? delle transazioni e dei blocchi, la verifica dei bilanci e delle firme, il tutto condizionato dal consenso del network. La sicurezza di tale sistema pu? essere messa a rischio dagli stessi utenti che verificano e approvano le transazioni poich? vincolata all?integrit? degli stessi; occorre inoltre una considerevole potenza computazionale per la gestione degli algoritmi di consenso che richiedono molto tempo per la validazione del nodo e della blockchain e inoltre la tutela della privacy ? limitata poich? gli utenti possono avere la possibilit? di accedere alle transazioni. The integrity and the security of these systems? entrusted to the consensus algorithms, which determine for example the validity? of transactions and blocks, verification of balance sheets and signatures, all conditioned by the consent of the network. The security of this system can be put at risk by the same users who verify and approve the transactions since? bound to? integrity? of the same; moreover, is a considerable computational power necessary for the management of the consensus algorithms which require a lot of time for the validation of the node and the blockchain and also the protection of privacy? limited since? users can have the possibility? to access transactions.
I servizi di pagamento peer to peer soddisfano invece l?esigenza di prestare denaro in tempi brevi tutelando anche la privacy degli utenti, e sono inoltre completamente gratuiti. Peer to peer payment services, on the other hand, satisfy the need to lend money quickly while also protecting user privacy, and are also completely free.
Sono noti nella tecnica molteplici dispositivi per pagamenti con denaro digitale, ad esempio il documento WO2019/072268 si basa su un modello account note che prevede la creazione e gestione di un certo numero di account in base agli utilizzatori con crittografia integrata e privata per quanto riguarda gli importi delle transazioni, oppure il documento WO2020/036657 che descrive un metodo che sfrutta la tecnologia blockchain e la crittografia implementate su reti peer-to-peer decentralizzate o distribuite per fornire una verifica affidabile e sicura dell'integrit? dei dati, e ancora il documento US20200042960 inerente ad un sistema di approvvigionamento tra promotori di appalti, clienti, fornitori e/o processori di transazioni, utilizzando la tecnologia blockchain. Lo svantaggio principale degli approcci esistenti ? la gestione di transazioni che prevedono i nodi del consensus, ovvero algoritmi di consenso con il compito di mantenere l?integrit? e la sicurezza di questi sistemi distribuiti, con conseguente aumento dei tempi di esecuzione delle transazioni; inoltre, ad essi ? affidata anche il patrocinio della sicurezza che non ? quindi gestita da un unico sistema al di sopra delle parti e infine la tutela della privacy ? limitata poich? gli utenti hanno la possibilit? di vedere le transazioni. Many devices for payments with digital money are known in the art, for example document WO2019/072268 is based on an account note model which provides for the creation and management of a certain number of accounts based on users with integrated and private encryption as regards transaction amounts, or document WO2020/036657 which describes a method that leverages blockchain technology and cryptography implemented on decentralized or distributed peer-to-peer networks to provide reliable and secure verification of the integrity of of data, and also the document US20200042960 relating to a procurement system between tender promoters, customers, suppliers and/or transaction processors, using blockchain technology. The main drawback of existing approaches? the management of transactions involving consensus nodes, or consensus algorithms with the task of maintaining the integrity? and the security of these distributed systems, resulting in increased transaction execution times; also, to them ? also entrusted with the patronage of security that is not ? therefore managed by a single system above the parties and finally the protection of privacy? limited since? users have the possibility? to see the transactions.
Scopo della presente invenzione ? quello di risolvere i suddetti problemi della tecnica anteriore mediante un metodo e sistema innovativo per pagamenti con denaro digitale e applicazione sulla blockchain (100), in grado di processare le transazioni in tempo reale sia di moneta corrente che di valuta digitale mediante un sistema crittografico basato su transazioni multiple peer to peer e controllate solo ed esclusivamente da sistemi al di sopra delle parti. Purpose of the present invention? that of solving the aforementioned problems of the prior art by means of an innovative method and system for payments with digital money and application on the blockchain (100), capable of processing real-time transactions of both current money and digital currency by means of a cryptographic system based on multiple peer to peer transactions and controlled solely and exclusively by systems above the parties.
Altro scopo della presente invenzione ? la possibilit? di utilizzare diversi algoritmi crittografici di scambio dati senza la necessit? di utilizzare algoritmi di consenso. Another purpose of the present invention? the possibility? to use different cryptographic algorithms for data exchange without the need? to use consensus algorithms.
I suddetti ed altri scopi e vantaggi dell?invenzione, quali risulteranno dal seguito della descrizione, vengono raggiunti con un metodo innovativo per pagamenti con denaro digitale e applicazione sulla blockchain come quello descritto nella rivendicazione 1. Forme di realizzazione preferite e varianti non banali della presente invenzione formano l?oggetto delle rivendicazioni dipendenti. The above and other objects and advantages of the invention, as will appear from the following description, are achieved with an innovative method for payments with digital money and application on the blockchain such as the one described in claim 1. Preferred embodiments and non-trivial variants of the present invention form the object of the dependent claims.
Resta inteso che tutte le rivendicazioni allegate formano parte integrante della presente descrizione. It is understood that all the attached claims form an integral part of the present description.
Risulter? immediatamente ovvio che si potranno apportare a quanto descritto innumerevoli varianti e modifiche (per esempio relative a forma, dimensioni, disposizioni e parti con funzionalit? equivalenti) senza discostarsi dal campo di protezione dell'invenzione come appare dalle rivendicazioni allegate. will result? it is immediately obvious that innumerable variations and modifications may be made to what has been described (for example relating to shape, dimensions, arrangements and parts with equivalent functions) without departing from the scope of protection of the invention as appears from the attached claims.
La presente invenzione verr? meglio descritta da alcune forme preferite di realizzazione, fornite a titolo esemplificativo e non limitativo, con riferimento ai disegni allegati, nei quali: This invention will come better described by some preferred embodiments, provided by way of non-limiting example, with reference to the attached drawings, in which:
- la FIG. 1 mostra lo schema funzionale del metodo implementato da computer eseguito da un sistema crittografico basato su transazioni multiple ?peer to peer? (100) secondo la presente invenzione; - FIG. 1 shows the functional scheme of the computer-implemented method performed by a cryptographic system based on multiple transactions ?peer to peer? (100) according to the present invention;
Il metodo implementato da computer eseguito da un sistema crittografico basato su transazioni multiple ?peer to peer? (100) ? realizzato secondo lo schema funzionale di figura 1 mediante la generazione (1) di chiavi pubbliche e private di utenti e di amministratori del sistema e l?inizializzazione di parametri crittografici, quindi l?esecuzione (2) di un algoritmo di livello 1 progettato per conoscere in tempo reale una liquidit? totale del sistema rispetto ad un capitale in circolazione e l?esecuzione (3) di un algoritmo di livello 2 progettato per i trasferimenti di liquidit? digitale tra gli utenti del sistema e per la validazione degli stessi, quindi l?effettuazione (4) di un?analisi dei parametri inerenti lo scambio di capitale digitale tra utenti e, infine, l?effettuazione (5) di una valutazione quantitativa dei valori di capitale detenuti da ciascun utente al termine degli scambi. The computer-implemented method performed by a cryptographic system based on multiple ?peer to peer? (100) ? realized according to the functional scheme of figure 1 through the generation (1) of public and private keys of users and administrators of the system and the initialization of cryptographic parameters, then the execution (2) of a level 1 algorithm designed to know in real time a liquidity? total of the system with respect to outstanding capital and the execution (3) of a level 2 algorithm designed for liquidity transfers? between users of the system and for their validation, then the execution (4) of an analysis of the parameters inherent in the exchange of digital capital between users and, finally, the execution (5) of a quantitative evaluation of the values of capital held by each user at the end of the exchanges.
Vantaggiosamente, l'algoritmo di livello 1, progettato per conoscere in tempo reale la liquidit? totale del sistema rispetto al capitale in circolazione, consente la rimozione del consenso di network, che invece ? necessario per i sistemi basati sulla tecnologia blockchain, grazie all?utilizzo di un metodo con tecniche di cifratura che ? in grado di verificare la correttezza della transazione senza l?interazione con terze parti. Advantageously, the level 1 algorithm, designed to know real-time liquidity? total of the system with respect to the capital in circulation, allows the removal of the consent of the network, which instead ? necessary for systems based on blockchain technology, thanks to the use of a method with encryption techniques that ? able to verify the correctness of the transaction without interacting with third parties.
Inoltre, l'algoritmo di livello 1 attiva un processo automatizzato di sincronizzazione delle transazioni con la definizione della liquidit? totale del sistema sempre aggiornata. Furthermore, the level 1 algorithm activates an automated transaction synchronization process with the definition of liquidity. total of the system always updated.
Il metodo implementato da computer eseguito da un sistema crittografico basato su transazioni multiple ?peer to peer? (100), vantaggiosamente elimina del tutto gli intermediari finanziari che sono presenti nelle normali transazioni tramite banche e/o digitali, mediante la catena della blockchain. Inoltre le transazioni sono effettuate preservando la privacy degli utenti considerato che non occorre analizzarne direttamente le informazioni sensibili poich? il metodo (100) opera attraverso un motore di ricerca cifrato e anonimo che non espone i dati sensibili degli utenti, consentendo anche un vantaggio economico in quanto non occorre come nelle tecnologie tradizionali una considerevole capacit? di calcolo computazionale. The computer-implemented method performed by a cryptographic system based on multiple ?peer to peer? (100), advantageously completely eliminates the financial intermediaries that are present in normal bank and/or digital transactions, through the blockchain chain. Furthermore, the transactions are carried out while preserving the privacy of the users considering that it is not necessary to directly analyze the sensitive information since the method (100) operates through an encrypted and anonymous search engine that does not expose sensitive data of users, also allowing an economic advantage as it does not require, as in traditional technologies, a considerable capacity? of computational computing.
Vantaggiosamente, il metodo implementato da computer eseguito da un sistema crittografico basato su transazioni multiple ?peer to peer? (100) esegue le transazioni in tempo reale poich? le tecniche di cifratura implementate sono gestite e controllate solo ed esclusivamente da uno o pi? computers e/o sistemi al di sopra delle parti. Advantageously, the computer-implemented method performed by a cryptographic system based on multiple ?peer to peer? (100) performs transactions in real time since? the encryption techniques implemented are managed and controlled only and exclusively by one or more? computers and/or systems above the parties.
Inoltre, l?algoritmo di livello 2, progettato per i trasferimenti di liquidit? digitale tra gli utenti del sistema e per la validazione degli utenti, consente all?utente finale di effettuare transazioni in moneta legale e/o cripto moneta. In addition, the level 2 algorithm, designed for liquidity transfers? between system users and for user validation, it allows the end user to carry out transactions in legal tender and/or cryptocurrency.
In particolare, il metodo implementato da computer eseguito da un sistema crittografico basato su transazioni multiple ?peer to peer? (100) esegue transazioni solo attraverso l?assegnazione di un codice univoco cos? da non rendere necessario l?immissione di alcun dato personale e/o sensibile. In particular, the computer-implemented method performed by a cryptographic system based on multiple ?peer to peer? (100) performs transactions only through the assignment of a unique code so? so as not to make it necessary to enter any personal and/or sensitive data.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| IT102020000026488A IT202000026488A1 (en) | 2020-11-09 | 2020-11-09 | Innovative method and system for payments with digital money and application on the blockchain |
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| Application Number | Priority Date | Filing Date | Title |
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| IT102020000026488A IT202000026488A1 (en) | 2020-11-09 | 2020-11-09 | Innovative method and system for payments with digital money and application on the blockchain |
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| IT202000026488A1 true IT202000026488A1 (en) | 2021-02-09 |
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Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20100078472A1 (en) * | 2008-09-30 | 2010-04-01 | Apple Inc. | Group peer-to-peer financial transactions |
| US20140081787A1 (en) * | 2012-09-14 | 2014-03-20 | Bank Of America Corporation | Peer-to-peer transfer of funds for a specified use |
| US20180268382A1 (en) * | 2017-03-20 | 2018-09-20 | Steven Victor Wasserman | Blockchain digital currency: systems and methods for use in enterprise blockchain banking |
| WO2019072268A2 (en) | 2018-11-07 | 2019-04-18 | Alibaba Group Holding Limited | Blockchain data protection based on account note model with zero-knowledge proof |
| US20200042960A1 (en) | 2018-08-01 | 2020-02-06 | American Express Travel Related Services Company, Inc. | Procurement system using blockchain |
| WO2020036657A1 (en) | 2018-04-26 | 2020-02-20 | The Assay Depot, Inc. | Decentralized data verification |
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2020
- 2020-11-09 IT IT102020000026488A patent/IT202000026488A1/en unknown
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20100078472A1 (en) * | 2008-09-30 | 2010-04-01 | Apple Inc. | Group peer-to-peer financial transactions |
| US20140081787A1 (en) * | 2012-09-14 | 2014-03-20 | Bank Of America Corporation | Peer-to-peer transfer of funds for a specified use |
| US20180268382A1 (en) * | 2017-03-20 | 2018-09-20 | Steven Victor Wasserman | Blockchain digital currency: systems and methods for use in enterprise blockchain banking |
| WO2020036657A1 (en) | 2018-04-26 | 2020-02-20 | The Assay Depot, Inc. | Decentralized data verification |
| US20200042960A1 (en) | 2018-08-01 | 2020-02-06 | American Express Travel Related Services Company, Inc. | Procurement system using blockchain |
| WO2019072268A2 (en) | 2018-11-07 | 2019-04-18 | Alibaba Group Holding Limited | Blockchain data protection based on account note model with zero-knowledge proof |
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