WO2019245635A1 - Transfert et enregistrement d'actifs segmentés - Google Patents

Transfert et enregistrement d'actifs segmentés Download PDF

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Publication number
WO2019245635A1
WO2019245635A1 PCT/US2019/027146 US2019027146W WO2019245635A1 WO 2019245635 A1 WO2019245635 A1 WO 2019245635A1 US 2019027146 W US2019027146 W US 2019027146W WO 2019245635 A1 WO2019245635 A1 WO 2019245635A1
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WO
WIPO (PCT)
Prior art keywords
user
digital
purchased
medium
digital assets
Prior art date
Application number
PCT/US2019/027146
Other languages
English (en)
Inventor
David GOBAUD
Original Assignee
Panchain, Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Panchain, Inc. filed Critical Panchain, Inc.
Publication of WO2019245635A1 publication Critical patent/WO2019245635A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3676—Balancing accounts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q2220/00—Business processing using cryptography

Definitions

  • Blockchain technology and its various uses are ever increasing.
  • blockchain technology can be used to facilitate payment and transfer systems and the like, with potential added advantages for security and anonymity.
  • many applications for blockchain technology have not been fully explored. As a result, improvements can be made.
  • FIGS. 1 and 2 illustrate exemplary digital asset transfer systems according to one or more embodiments of the invention.
  • FIG. 3 illustrates an exemplary process for obtaining digital assets from a digital asset transfer system.
  • blockchain technology may be adapted or modified and used to create and facilitate a digital asset transfer system.
  • digital assets may be created, recorded, traded and tracked using blockchain technology to enable more efficient transfer of the digital assets.
  • Blockchain technology or a distributed ledger system may be used to publicly record transfers of digital assets, enabling full and accessible tracking of the digital assets. The record of transfers is cryptographically secure and unmodifiable.
  • the digital assets may be trackable at all times, with the owner of each digital asset potentially also publicly available. This may help law enforcement fight criminal activity, such as money laundering and terrorist financing.
  • the described techniques and systems also enable the ability to freeze the transfer of digital assets from a ledger address if it is compromised or used for illicit purposes.
  • the described techniques may add additional security and transparency to the transfer of digital assets, enabling various security features to be implemented in the described transfer system.
  • the digital assets may be linked or tethered to external items, such as currency, stock, or other tangible items that people wish to trade, sell or purchase.
  • the digital assets may be tokens, issued by an entity, having a value of their own as determined by the market.
  • Digital assets may be created, stored, and managed in owner digital wallets that are managed and maintained by the transfer system.
  • a separate service provider such as a transfer agent, may handle all personal identifying information (PII) of the owners of the digital wallets, to potentially ensure an extra level of security.
  • Digital wallets may be approved or whitelisted through a verification process, to enable trading or transferring of digital assets via the transfer system. The system may facilitate transfer of digital assets between whitelisted digital wallets and redemption of value via transferring digital assets back to the transfer system.
  • crypto currencies such as coins
  • such coins are solely issued in a digital format using one or more cryptographically secured distributed ledgers.
  • a transaction written to a particular ledger enables the fund and a transfer agent to track transactions in the digital securities issued by the fund on a real-time basis.
  • use of cryptography to secure data related to ownership of and transactions in securities on a publicly distributed ledger involves the use of algorithms to mathematically prove the accuracy of transactions by a minimum consensus of participating transaction validators, as may be required by each blockchain’s protocols.
  • Copies of distributed ledgers which can be used to prove the validity of the transactions, are generally available to the public and can store the complete trading history from the date of issuance of the fund’s shares.
  • only a public-key-derived wallet address (and not a shareholder’s personal identifying information) may be available on a distributed ledger.
  • a private key may be necessary to associate a public key representing a given share or shares with the record owner of those shares.
  • the personal identifying information attached to such private keys for fund shareholders is maintained by the transfer agent in a separate database that is not available to the public.
  • the transfer agent can maintain the official record of the fund’s shareholders, and public copies of all transactions effected in the fund’s shares can be recorded on the distributed ledgers.
  • no transaction in the fund’s shares can be effected without access to the private key.
  • holders of coins can use electronic“wallets” to send and receive the fund’s shares in peer-to-peer transactions without the use of a central clearing agency.
  • Wallets are software programs that store a shareholder’s public and private keys and that interface directly with other wallets that contain the fund’s shares.
  • a shareholder’s wallet has a unique public-key derived wallet address that interfaces with the distributed ledger; only the public wallet address is discemable on the distributed ledger.
  • the personal identity information necessary to associate a public key representing a given share or shares with the owner of those shares is in a separate database that may be maintained exclusively by the transfer agent.
  • FIG. 1 illustrates a diagram of an exemplary digital asset transfer system 100 having a digital wallet management system 104 that includes a processor/memory for, among other things, maintaining a digital wallet management system 106.
  • the digital wallet management system 106 for is further configured to receive account information 120 from a user via a user device 102 (e.g., personal computer, smartphone, etc.) so as to open a user account.
  • the fund’s shares may be issued as book-entry digital securities (hereinafter,“MMS”), the ownership and transfer of which can be recorded on a decentralized distributed ledger or public ledger (PL) 118, such as Stellar.
  • MMS book-entry digital securities
  • PL public ledger
  • the distributed ledger 118 can record MMS belonging to a unique digital wallet alphanumeric address 122 of a holder or owner (i.e., user).
  • the PL 118 can record the unique wallet addresses (the locations where transactions and balances involving the MMS are stored) involved in the trade as well as the number of shares traded and the transaction price.
  • the distributed ledger 118 may not contain owner personal identifying information ("Owner PII") 124.
  • Owner PII 124 can be collected during the purchase process and, in some aspects, maintained by the fund.
  • the PII 124 may be provided to a transfer agent 114, for purposes of maintaining the fund’s records 116.
  • MMS may be accessed by owners directly via the private keys to their respective digital wallets 108, 110, 112, and owners will not be able to access their shares through the transfer agent 114.
  • FIG. 2 illustrates a diagram of another exemplary digital asset transfer system 200 in which like elements illustrated in FIG. 1 are denoted by identical reference numerals.
  • Digital asset transfer system 200 includes a PII entity 202, a clearing broker 204, and a transfer agent 114.
  • owner PII 124 may be collected and maintained by a separate PII entity 202 (e.g., Keystone), and provided to clearing broker 204 (e.g., ETC.), and to transfer agent 114 (e.g., Computershare), for purposes of maintaining digital asset owner books and records.
  • the MMS can be issued as book-entry digital securities directly registered in the owner's name in the books and records maintained by the transfer agent 114.
  • the books and records maintained by the transfer agent 114 can comprise information from the PL 118, together with a database 206 maintained by a clearing broker 204 on behalf of the PII entity 202 containing the personal identity information of owners of the MMS.
  • the transfer agent 114 can satisfy books and records obligations by combining the information it receives from the exchange or fund through the PL 118 with the owner PII 124 it receives from the PII entity 202 with respect to its MMS customers.
  • the PII entity 202 may periodically provide owner PII 124 updates to the clearing broker 204 and to the transfer agent 114.
  • MMS data (including the number of securities traded by each digital wallet, the price of each trade, and the balance of the securities held in each digital wallet) can be available to the general public in real-time on the PL 118.
  • the transfer agent and the clearing broker 204 can have all information necessary to match trade data with owner PII and thus can be able to maintain records of the identity of each owner of MMS, the number of shares of MMS traded in each transaction, the price of each trade and the number of shares of MMS held by each owner. However, owners will not be able to access their shares through transfer agent or the clearing broker 204. Shares of MMS (digital assets) may be accessed by owners directly via the private keys to their digital wallet. In some aspects, owners of MMS who contact the transfer agent 114 or the clearing broker 204 directly can be directed to access their shares through their digital wallet.
  • the PII entity may perform all of the functions required to be performed by a retail broker-dealer in the on-boarding of new customers and maintenance of customer accounts, including conducting a suitability review, collecting owner PII and conducting know-your-customer and other required compliance processes, including screenings required by regulations issued by the Office of Foreign Assets Control of the US Department of the Treasury.
  • the PII entity may cause the registration of digital wallets for the customer.
  • Each user's digital wallet can be linked to a clearing account maintained by the clearing broker 204 that the user can use to fund purchasing power in the user's digital wallet to buy MMS.
  • a user who desires to purchase MMS in the market can be able to do so by funding their digital wallet and buying on the exchange.
  • the clearing broker 204 can be responsible for maintaining custody and control over the user’s money.
  • the PII entity can periodically update its records to reflect transactions in the MMS, and the clearing broker 204 can transfer the money or digital assets for each purchase price from the purchaser's account to the seller's account at the end of each trading day, resulting in same-day settlement.
  • each digital wallet can have a unique alphanumeric identifier, such as a single-signature address or a multi-signature address.
  • a multi-signature address requires that a set number of associated digital keys must provide a signature before a transaction involving that address may be consummated.
  • an order must originate through the customer's digital wallet, and be signed by the customer's private key.
  • Each digital private key is a mathematically generated alphanumeric identifier that allows orders to be signed before they are transmitted for matching.
  • An owner of MMS can access such owner's shares solely through a“white listed” digital wallet associated with their registered ledger address.
  • the digital wallet’s ledger address can be“white listed” in connection with the opening of the holder's account the fund, as described in more detail in reference to FIG. 3 below.
  • Transfer of MMS may be limited to wallet-to-wallet transfers with“white listed” ledger addresses, as described in more detail in reference to FIG. 3 below (e.g., including direct peer to peer transfers). Transfers may be permitted by owner to any registered address. All transfers may be automated without separate manual intervention by any of the relevant parties.
  • a user In order to be able to place a purchase order using the digital asset transfer system, a user must first deposit funds in their digital wallet. The user may then place a purchase order on the system. The system can debit the amount required for the purchase from the user's digital wallet, and credit that amount to the user's digital wallet. In order to place a sale order using the digital asset transfer system, a user must first hold the shares to be sold in their digital wallet.
  • the user may then place a sale order through the system.
  • the number of assets offered for sale by the user are then available to affect the sale of the assets at the price established by the user.
  • the system can also report the transaction to the transfer agent and the broker.
  • the orders In order to match, the orders must be at the same price. However, the orders may be for different numbers of shares, in which case only the matching portion of the orders can be matched and executed.
  • the digital asset transfer system or exchange may support limit orders (e.g., an order to buy or sell a digital asset at a specific price or better, such that a buy limit order can only be executed at the limit price or lower, and a sell limit order can only be executed at the limit price or higher).
  • limit orders e.g., an order to buy or sell a digital asset at a specific price or better, such that a buy limit order can only be executed at the limit price or lower, and a sell limit order can only be executed at the limit price or higher.
  • the digital asset transfer system will not accept "market" orders, meaning an order to buy or sell a digital asset at an unspecified price. In some cases, the system will prohibit "all-or-none" orders.
  • digital assets or shares may trade on an SEC-approved Alternative Trading System (“ATS”) selected by the fund.
  • ATS SEC-approved Alternative Trading System
  • MMS may only be listed for trading on exchange that operates as an SEC-approved ATS designated by the fund.
  • the ATS can establish a“white listed” ledger address with the fund.
  • the fund expects that any trading on an ATS will be“off-the-chain.”
  • This means the ATS can establish an internal proprietary ledger which can record purchases and sales that are completed on the exchange.
  • Any holder who withdraws its MMS from the ATS to pursue redemption from the fund must register an account with the fund and have the ledger address associated with his digital wallet“white listed,” as described in more detail in reference to FIG. 3 below.
  • the system can cause the exchange of the assets and can update the PL.
  • Transfers of MMS can be recorded on the distributed ledger nearly instantaneously, and to the extent there is any trading on a designated ATS, transfers will be similarly recorded nearly instantaneously within its internal proprietary ledger (i.e.,“the trade is the settlement”). In some aspects, the transfer may be settled at the end of each day or other period. This represents a significant improvement over standard three-day settlements found in other trading scenarios.
  • An exemplary process 300 to acquire one or more digital assets is described below in reference to FIG. 3. It should be appreciated that process 300 is only given by way of example. Process 300 may be adapted in various ways to facilitate trading of other types of digital assets or tethered digital assets. Steps indicated via dashed lines are optional, such that process 300 may be performed, in some aspects, without those steps.
  • Process 300 may begin at operation 306 with a user device 102 registering an account with the digital asset transfer system 304 (in the money market fund example this may be with the fund host) similar to one or more of digital asset transfer systems 100, 200, such as via a website with an email address, phone number, and/or various other pieces of information, and a password.
  • the account may be secured by Two- Factor Authentication.
  • identification documents such as investor KYC identification documents, may be provided by system 304 at operation 310.
  • anti-money laundering (AML) checks may be performed at operation 312.
  • a digital wallet ledger address may be provided, either by the user device 102 or by digital wallet management system 104.
  • ownership of the digital wallet ledger address may be proven cryptographically.
  • an amount of digital assets (MMS shares) to purchase may be specified.
  • Payment for the digital assets may be made and received at operation 320 (e.g., ACH transfer, bank wire, or debit/credit card).
  • tokens may be transferred to a“white listed” digital wallet ledger address when money is received, at operation 322.
  • the ledger address associated with the investor’s digital wallet can be considered“white listed.”
  • a user via a user device 102 may login to his/her account on the fund’s website/digital asset transfer system.
  • the digital asset transfer system may receive a redemption amount and bank account information 120 as illustrated in FIGS. 1 and 2.
  • the digital asset transfer system may verify the bank account information 120 for receiving funds.
  • the digital asset transfer system may transfer shares to the fund’s digital wallet ledger address 122, and then the funds may be transferred to verified bank account. Any holder without a“white listed” ledger address who received MMS by transfer must register an account and become“white listed” before his shares can be redeemed.
  • Embodiments of the present invention may comprise or utilize a special- purpose or general-purpose computer including computer hardware, such as, for example, one or more processors and system memory, as discussed in greater detail below.
  • Embodiments within the scope of the present invention also include physical and other computer-readable media for carrying or storing computer-executable instructions or data structures.
  • one or more of the processes described herein may be implemented at least in part as instructions embodied in a non-transitory computer-readable medium and executable by one or more computing devices (e.g., any of the media content access devices described herein).
  • a processor receives instructions, from a non-transitory computer-readable medium, (e.g., a memory, etc.), and executes those instructions, thereby performing one or more processes, including one or more of the processes described herein.
  • a non-transitory computer-readable medium e.g., a memory, etc.
  • Computer-readable media can be any available media that can be accessed by a general purpose or special-purpose computer system.
  • Computer-readable media that store computer-executable instructions are non-transitory computer-readable storage media (devices).
  • Computer-readable media that carry computer-executable instructions are transmission media.
  • embodiments of the invention can comprise at least two distinctly different kinds of computer-readable media: non-transitory computer-readable storage media (devices) and transmission media.
  • Non-transitory computer-readable storage media includes RAM, ROM, EEPROM, CD-ROM, solid state drives (“SSDs”) (e.g., based on RAM), Flash memory, phase-change memory (“PCM”), other types of memory, other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to store desired program code means in the form of computer-executable instructions or data structures and which can be accessed by a general purpose or special-purpose computer.
  • SSDs solid state drives
  • PCM phase-change memory
  • other types of memory other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to store desired program code means in the form of computer-executable instructions or data structures and which can be accessed by a general purpose or special-purpose computer.
  • a "network” is defined as one or more data links that enable the transport of electronic data between computer systems or modules or other electronic devices.
  • a network or another communications connection can include a network or data links which can be used to carry desired program code means in the form of computer-executable instructions or data structures and which can be accessed by a general purpose or special-purpose computer. Combinations of the above should also be included within the scope of computer-readable media.
  • program code means in the form of computer-executable instructions or data structures can be transferred automatically from transmission media to non-transitory computer-readable storage media (devices) (or vice versa).
  • computer-executable instructions or data structures received over a network or data link can be buffered in RAM within a network interface module (e.g., a "NIC"), and then eventually transferred to computer system RAM or to less volatile computer storage media (devices) at a computer system.
  • a network interface module e.g., a "NIC”
  • non-transitory computer-readable storage media (devices) can be included in computer system components that also (or even primarily) utilize transmission media.
  • Computer-executable instructions comprise, for example, instructions and data which, when executed at a processor, cause a general-purpose computer, special-purpose computer, or special-purpose processing device to perform a certain function or group of functions.
  • computer-executable instructions are executed on a general- purpose computer to turn the general-purpose computer into a special-purpose computer implementing elements of the invention.
  • the computer executable instructions may be, for example, binaries, intermediate format instructions such as assembly language, or even source code.
  • the combination of software or computer-executable instructions with a computer-readable medium results in the creation of a machine or apparatus.
  • the execution of software or computer-executable instructions by a processing device results in the creation of a machine or apparatus, which may be distinguishable from the processing device, itself, according to an embodiment.
  • a computer-readable medium is transformed by storing software or computer-executable instructions thereon.
  • a processing device is transformed in the course of executing software or computer-executable instructions.
  • a first set of data input to a processing device during, or otherwise in association with, the execution of software or computer- executable instructions by the processing device is transformed into a second set of data as a consequence of such execution.
  • This second data set may subsequently be stored, displayed, or otherwise communicated.
  • Such transformation alluded to in each of the above examples, may be a consequence of, or otherwise involve, the physical alteration of portions of a computer-readable medium.
  • Such transformation may also be a consequence of, or otherwise involve, the physical alteration of, for example, the states of registers and/or counters associated with a processing device during execution of software or computer-executable instructions by the processing device.
  • a process that is performed“automatically” may mean that the process is performed as a result of machine-executed instructions and does not, other than the establishment of user preferences, require manual effort.

Abstract

L'invention concerne un procédé consistant à enregistrer un compte utilisateur avec un système de transfert d'actifs numériques, à recevoir d'un utilisateur du compte utilisateur une indication d'une quantité d'actifs numériques devant être achetés par l'utilisateur, à recevoir le paiement de l'utilisateur pour les actifs numériques devant être achetés par l'utilisateur, et après réception d'un paiement pour les actifs numériques devant être achetés par l'utilisateur, à transférer à une adresse de registre de portefeuille numérique associée à l'utilisateur au moins une cryptomonnaie correspondant aux actifs numériques devant être achetés par l'utilisateur.
PCT/US2019/027146 2018-06-22 2019-04-12 Transfert et enregistrement d'actifs segmentés WO2019245635A1 (fr)

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US201862688633P 2018-06-22 2018-06-22
US62/688,633 2018-06-22

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Cited By (3)

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US20160371771A1 (en) * 2015-06-16 2016-12-22 BitPagos, Inc. Loan processing service utilizing a distributed ledger digital asset
US20180075421A1 (en) * 2016-09-09 2018-03-15 BitPagos, Inc. Loan processing service utilizing a distributed ledger digital asset as collateral
WO2021190455A1 (fr) * 2020-03-23 2021-09-30 Daxchain Limited Système d'échange de biens numériques et procédés associés

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US20170011460A1 (en) * 2015-07-09 2017-01-12 Ouisa, LLC Systems and methods for trading, clearing and settling securities transactions using blockchain technology
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US20150120472A1 (en) * 2013-10-29 2015-04-30 Christian Aabye Digital wallet system and method
US20160292672A1 (en) * 2015-03-31 2016-10-06 Nasdaq, Inc. Systems and methods of blockchain transaction recordation
US20170011460A1 (en) * 2015-07-09 2017-01-12 Ouisa, LLC Systems and methods for trading, clearing and settling securities transactions using blockchain technology
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Publication number Priority date Publication date Assignee Title
US20160371771A1 (en) * 2015-06-16 2016-12-22 BitPagos, Inc. Loan processing service utilizing a distributed ledger digital asset
US20180075421A1 (en) * 2016-09-09 2018-03-15 BitPagos, Inc. Loan processing service utilizing a distributed ledger digital asset as collateral
WO2021190455A1 (fr) * 2020-03-23 2021-09-30 Daxchain Limited Système d'échange de biens numériques et procédés associés
GB2608328A (en) * 2020-03-23 2022-12-28 Daxchain Ltd Digital asset exchange system and related methods

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