WO2024063739A1 - Blockchain and distributed ledger technology based digital/cryptocurrency redemption method - Google Patents

Blockchain and distributed ledger technology based digital/cryptocurrency redemption method Download PDF

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Publication number
WO2024063739A1
WO2024063739A1 PCT/TR2023/050988 TR2023050988W WO2024063739A1 WO 2024063739 A1 WO2024063739 A1 WO 2024063739A1 TR 2023050988 W TR2023050988 W TR 2023050988W WO 2024063739 A1 WO2024063739 A1 WO 2024063739A1
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Prior art keywords
currency
user
digital
constraint
registered
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PCT/TR2023/050988
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French (fr)
Inventor
Emre SAFAK
Mesut GOZUTOK
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Havelsan Hava Elektronik San. Ve Tic. A.S.
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Publication of WO2024063739A1 publication Critical patent/WO2024063739A1/en

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    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • G06Q20/3678—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 e-cash details, e.g. blinded, divisible or detecting double spending
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • 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
    • H04L9/40—Network security protocols

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Signal Processing (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention relates to a blockchain and distributed ledger technology based di gi tai/ cryptocurrency usage method that allows for restricted/unrestricted use in terms of sectoral, functional and/or user for digital/ cryptocurrency usage management in distributed ledger technology. With the developed method, it is ensured that the crypto/digital currency is made smart, programmable and usage tracking can be done securely. Thanks to the developed method, the value of the currency is protected and the currency is used in a purposeful way. By updating smart contracts, the desired restriction can be defined.

Description

BLOCKCHAIN AND DISTRIBUTED LEDGER TECHNOLOGY BASED DIGITAL/CRYPTOCURRENCY REDEMPTION METHOD
Technical Field
The invention relates to a blockchain and distributed ledger technology based digital/cryptocurrency usage method for digital/cryptocurrency usage management in distributed ledger technology, which allows restricted/unrestricted use in terms of sectoral, functional and/or user.
State of the Art
Distributed ledger technology is a concept from the field of information technology that can be used in many fields such as economy, health, education, etc. Distributed ledger technology is a storage technology in which data is stored in a distributed manner across participants and data addition is done by consensus algorithms. Each node in the distributed ledger network acts as a server and a client (user) that executes the specified consensus algorithm. In distributed ledger technology, any event, payment type, etc. to be tracked is stored in a way to cover many organizations, institutions, etc. in the network instead of a single center. The data stored in the distributed ledger network cannot be changed or deleted by any participant in the network. It provides a secure data transfer. Especially in recent years, the use of distributed ledger technology has gained great importance due to the increasing use of digital/cryptocurrency. Distributed ledger technology is much more secure than centralized systems against cyber-attacks thanks to the combination of strong cryptographic algorithms, distributed architecture and consensus mechanism. Distributed ledger technology is based on cryptographic proof and allows any party to make secure transactions without a central authority. Distributed ledger technology is frequently used in the infrastructure of crypto/digital currency applications. Currently, distributed ledger technology is used by the parties to crypto/digital currencies.
In the United States patent document numbered US10965673B2, which is in the known state of the art, methods and systems for creating chains are mentioned. Distributed ledger technology and smart contracts are used. United States patent document US2020219093A1, which is in the state of the art, discloses an ecosystem that may facilitate the trading of a digital asset. The ecosystem may include a blockchain device for executing a blockchain smart contract for asset exchange, wherein the smart contract is executed against a predefined number of tokens characterizing a particular cryptocurrency value.
The International patent document WO2022026374A1 in the known state of the art mentions a special cryptographic token and smart contract issued by the same bank or depository institution that also collects currency deposits. There is a circulation group and an out-of- circulation group. The non-circulating group is not associated with any user, but rather with an issuing entity. Private cryptographic tokens in the circulation group are associated with a user and are traded according to the smart contract protocol.
United States patent document US 11276059B2, in the state of the art, discloses a system and method for autonomously maintaining digital assets. The system may include one or more smart contracts that provide terms for executing a provision of a digital asset to a user on a permanent or time-limited basis. The method may include providing for the execution of the terms of the smart contract such that digital rights holders in the digital assets are paid for access to the digital asset.
In the known state of the art, there are limited solutions for using currency for specific purposes. Grocery cards, shopping vouchers, etc. are examples of these solutions. The use of these solutions is currently very limited. In addition, the limited use of crypto/digital currencies cannot be ensured.
The methods using distributed ledger technology in the sample patent documents do not include methods that enable the use of digital / crypto currency for certain areas by allowing limited / unrestricted use in terms of sectoral, functional and / or user. While the methods of distributed ledger technology in the known state of the art provide secure transfer of digital / crypto currencies between the parties, they do not allow the currency to be used only for permitted purposes. Therefore, there is a need to develop a digital/cryptocurrency usage method based on the subject of the invention, blockchain and distributed ledger technology. Aims of the Invention
The purpose of the present invention is to realize a blockchain and distributed ledger technology based digital/cryptocurrency usage method that enables the restricted/unrestricted use of all kinds of data (digital/cryptocurrency etc.) in terms of sectoral, functional and/or user in distributed ledger technology that provides a secure method.
Another object of the present invention is to realize a method of using digital/cryptocurrency based on blockchain and distributed ledger technology, which enables the use of digital/cryptocurrency to be controlled and the management of the currency to be easily monitored.
Detailed Description of the Invention
The flow chart of the blockchain and distributed ledger technology based digital/cryptocurrency usage method realized to achieve the objectives of this invention is shown in the attached figures.
These figures;
Figure 1: Flowchart of blockchain and distributed ledger technology based digital/cryptocurrency usage method.
Figure 2: A schematic view of a sample application of the developed system showing the working principle.
The elements in the figures are individually numbered and the corresponding numbers are given below.
1. User terminal
2. Currency generator terminal
3. Financial institution terminal
4. Company terminal
5. Blockchain and distributed ledger network A digital/cryptocurrency usage method based on the developed blockchain and distributed ledger technology; comprising the process steps
- the production of crypto/digital currency,
- unrestricted the choice of whether to restrict its use if it is available currency to be done,
- if crypto/digital currency is restricted, select at least one of the sectoral restriction/functional restriction/user restriction options,
- if sectoral constraint is selected, determination and approval of sectoral constraints,
- if a functional constraint has been selected, determination and approval of the functional constraints,
- if user constraint is selected, setting and confirming user constraints,
- transferring the restricted available funds to the holder of the designated option,
- transferring the restricted available funds to the holder of the designated option,
- unrestricted available currency, selecting the option to restrict usage while the currency is in the owner's possession,
- if a choice is made to restrict the use of unconstrained currency, a choice is made from sectoral constraint/functional constraint/user constraint options and the currency is converted into constrained form,
- if the choice to restrict the use of unrestricted currency is not made, the use of currency is realized by transferring it to the unrestricted available balance,
- restricted available currency, when the holder of the currency has the option to unrestrict its use, if authorized, the restricted available currency is converted into unrestricted available currency by removing the selected restriction,
- transferring restricted available funds to the balance if there is no authorization,
- if there is a sectoral constraint, the restricted available currency transferred to the balance is directed to the relevant company/institution,
- after checking the sector, canceling the transaction if the company/sector is not registered,
- after checking the sector, canceling the transaction if the company/sector is registered but the expenditure is not eligible,
- after checking the sector, if the company/sector is registered and the expenditure is eligible, checking whether there is a user constraint, if there is no user constraint, check whether there is a functional constraint, - if there is a user restriction, looking at the digital ID,
- canceling the transaction if the user is not registered in the user checking process,
- canceling the user check if the user is registered but the user is not eligible,
- in the user checking process, if the user is registered and the user is eligible, check whether there is a functional constraint,
- allowing the use of the currency if there are no functional constraints,
- if there is a functional constraint, function checking of crypto/digital currency functions,
- during the function check, cancelling the operation if the function is not available,
- during the function check, if the function is available, invoking the function and using the currency,
- after checking the sector, if the company / sector is not registered but the company needs to be added, adding the company to the method to be used by performing company commercial information, sector registration, product and barcode registration if there is production,
- in the user checking process, if the user is not registered but the user needs to be added, adding the identity, education, work, health, title deed/vehicle information into the method to be used,
- in the function check, if the function is not available but a new function needs to be registered, develop, test and deploy the function.
The user connects to the blockchain and distributed ledger network (5) via the user terminal (1). According to an example application of the developed method, the currency producer terminal (2), the financial institution terminal (3) and the company terminal (4) are connected to the blockchain and distributed ledger network (5).
A method of using digital/cryptocurrency based on distributed ledger technology has been developed. In the distributed ledger network, crypto/digital currency is generated according to a consensus algorithm. The generated digital/cryptocurrency can be used with or without restrictions. Each digital/cryptocurrency has unrestricted use when it is first generated. The party that owns the digital/cryptocurrency can use it on a restricted or unrestricted basis. If the crypto/digital currency is transferred with unrestricted use, the crypto/digital currency can be used for any purpose. If the currency is transferred with restricted use, the areas of use are made according to the preferences determined. Smart contracts are used to control the use of currency according to the specified preferences. Smart contracts are programs that ensure that the basic rules are automatically operated on the distributed ledger network. The smart contract defined for the restricted use is initiated.
With the restricted currency generation smart contract function in the system, the user ensures that the currency is used for certain areas with sectoral, functional and/or user restrictions. When a new constraint needs to be added to the currency to be used, the smart contract can be updated and the currency usage constraints can be increased.
The sectoral constraint may optionally not be added. In case the addition of a sectoral constraint is desired;
- Food (all/selected local brands, brands/all brands/restaurants etc.)
- Original products
- Products (books, beverages, cheeses, etc.)
- Real Estate (House, land, etc.)
- Health
- Defense
- Agriculture/animal husbandry
- Billing (Electricity, water, natural gas, telephone, internet, etc.)
- Transportation (Public transportation, intercity, international)
- Technology /home appliances
- Education
- Foreign currency purchase
- Precious metal purchase
- Taxation
- Fuel
- Vacation
- Donation/help
- Construction
- Mining
- Forest products
- Metal industry
- Textile etc. can be changed or added. Sectoral constraint can be added to provide specific use for a particular sector.
Functional constraint may optionally not be added. In case a functional restriction is added, functional restrictions such as;
- Cannot be taken abroad.
- Can only be spent on a certain date.
- Can be spent within the daily/monthly/yearly limit.
- Must be spent within a certain period of time.
- Cannot be transferred for a certain period of time, etc. can be added to the use of digital/cryptocurrency by updating the smart contract options.
The user-specific constraint may optionally not be added. In case a restriction is added to a user; user-specific restrictions such as
- User/users in a certain occupational group,
- R&D companies,
- User(s) operating in a specific sector,
- User/users within a certain age range,
- Student user/users,
- Unemployed user/users,
- User/users with a specified number of children
- Married/single user/users,
- User/users living in the specified city, etc. can be added to the preferences in the smart contract.
The holder can restrict the unrestricted digital/cryptocurrency in any amount. The restriction(s) on the currency can be removed by authorized users in any amount. When the restriction is removed, the selections in the smart contract are updated.
In the developed method, the use of currency is of two types: restricted and unrestricted. In unrestricted currency usage, users can use currency freely without any restriction. In restricted currency usage, the currency is defined as sectoral, functional and/or user restricted according to the choice made on the currency. If the sectoral restriction is active in digital/crypto currency, firstly, it is checked whether the company, institution, association, etc. where the expenditure is made is registered in the digital identity system. If the organization where the digital/crypto currency will be used is not registered in the system, the transaction is canceled. If the organization where the digi tai/ cryptocurrency will be used is registered in the system, it is checked whether the expenditure is allowed. If the institution/organization complies with the specified restriction, digital/crypto currency can be used. If the organization does not comply with the specified restriction, the transaction is canceled. Organizations are registered in the digital identity system by recording their commercial and sectoral information. Manufacturing companies also register the barcode information of their products/services in the system. Product-based (food, local brand, pharmaceuticals, etc.) sectoral restriction control in manufacturing companies is carried out through these barcodes.
If the user restriction is active in digital/cryptocurrency, it is first checked through the digital identity system whether the user to whom the digital/cryptocurrency will be transferred is registered in the system. Digital identity includes all electronically collected, stored and verifiable personal information that can be used to present and prove identity. If the user to whom the currency is to be transferred is not registered in the system, the transaction is canceled. If the user to whom the crypto/digital currency will be transferred is registered in the digital identity system, the permission status is checked. If the user complies with the specified restriction, digital/crypto currency can be transferred. If the user does not comply with the specified restriction, the transaction is canceled. Users are registered in the digital identity system with information such as identity information, education information, employment information, health information, title deed/vehicle information, etc.
If functional constraints are active on the digital/cryptocurrency, the permissibility of the function is checked first. Functions are processes defined on the digital/cryptocurrency. These processes can be defined using smart contracts, direct digital/cryptocurrency infrastructure developments, etc. A function can be used if it complies with the specified constraint. If the function does not comply with the specified constraint, the transaction is canceled.
In restricted digital/cryptocurrency usage, users can use the currency when all conditions are met. If it is desired to add new usage restrictions for digital/cryptocurrency or to change the restrictions, smart contracts are updated. The developed method can be dynamically updated thanks to smart contracts.
If restricted use is selected by the sender, the selected restrictions are added to the currency. Currency used with restricted use cannot be used for purposes other than the specified restriction. In crypto/digital currency transfer transactions, the restricted/unrestricted status of the currency can be determined by the sender. If the sender ensures that the currency can be used unrestrictedly, the currency sent can be used unrestrictedly by the recipient. The sender defines sectoral, functional and user constraints to ensure the restricted use of funds. If the sender ensures that the funds can be used unrestrictedly, the funds sent can be used unrestrictedly by the recipient.
When using digital/cryptocurrency, once the type of payment is determined by the seller or the buyer, restricted currency is used by default at the payment stage, and then unrestricted currency becomes available. The seller and the buyer (user) can view the restricted/unrestricted use of the currency. If payments are made as unrestricted, the currency spent can be used by the seller unrestrictedly. If the payment is restricted, spending constraints, functional constraints and user constraints are defined. If the seller and the buyer set constraints at the same time, all constraints will apply to the currency when the payment is approved. If the seller/buyer allows payments to be received as restricted, the currencies spent are restricted to the level specified by the seller.
When all of the currency is used, all of the relevant smart contracts are terminated. As an example application of the developed method, banks can provide loans to be used in certain areas/conditions. For example, a bank can only provide loans to be used for house purchases. In addition, public institutions can provide support to citizens to be used in certain areas/conditions. In a different application of the developed method, the currency is used in the process of purchasing genuine products with limited use of contraband or counterfeit products. Currently, it is becoming increasingly difficult to prevent the purchase of counterfeit or contraband products. This situation causes countries to lose taxes and causes people to use uncontrolled products. In the inventive method, a constraint can be added to ensure that the currency can buy the original product. In this way, it can be ensured that the currency cannot be used for counterfeit or contraband products. The developed method can be used in applications such as cryptocurrencies, central bank digital currency, digital currency, etc. By making the currency smart, it is ensured that the currency can be managed, its value protected and tracked. Public institutions can easily deliver aid to citizens to be used in areas of need. Banks can limit the use of the currency they lend.
The currency management platform of the blockchain and distributed ledger technologybased digital/cryptocurrency usage method can optionally use public, consortium, hybrid or permissioned blockchain and distributed ledger technology architecture. In the developed method, any of the blockchain and distributed ledger technology infrastructures such as Hyperledger Fabric, Ethereum, Avalanche, Solona, Hedera Hashgraph, Holochain, etc. are used. As a consensus algorithm, any of the consensus algorithms such as Proof of Work, Proof of Stake, Raft, Practical Byzantine Fault Tolerance, Byzantine Fault Tolerance, etc. can be used or a new consensus algorithm can be developed. In the developed method in question, algorithms such as MD5, SHA-1, SHA-2, SHA-3, RIPEMD-160, Whirlpool, BLAKE2, BLAKE3, etc. can be used to take a required input throughout the system and produce an encrypted output with a series of mathematical algorithms.
The advantages obtained with the developed blockchain and distributed ledger technology based digital/cryptocurrency usage method are listed below.
- With the developed method, it is ensured that crypto/digital currency can be made smart, programmed and its usage can be monitored.
- It is ensured that the sectors/brands/regions where crypto/digital currency can be used can be restricted.
- Functional use cases of crypto/digital currency are restricted.
- It is ensured that crypto/digital currency can be transferred to certain user groups.
- The use of crypto/digital currency in counterfeit or contraband products is prevented.
- By controlling the use of currency, the management of currency is easily monitored.
- It is ensured that the value of the currency can be protected and the currency can be used in a purposeful way.
- Blockchain technology ensures that transactions are carried out securely.
- It enables the emergence of new types of secure financial payments.
- With smart contracts, the rules restricting the use of crypto/digital currency can be updated and new restrictions can be defined.

Claims

1. The invention is a digital/cryptocurrency usage method based on blockchain and distributed ledger technology; characterized by comprising the process steps
- choosing whether to restrict its use if it is unrestrictedly available currency,
- if crypto/digital currency is restricted, selecting at least one of the sectoral restriction/functional restriction/user restriction options,
- if sectoral constraint is selected, setting and confirming sectoral constraints,
- if a functional constraint has been selected, setting and confirming the functional constraints,
- if user constraint is selected, setting and confirming user constraints,
- transferring the restricted available funds to the holder of the designated option,
- if the crypto/digital currency is not restricted, the unrestricted currency is transferred to the holder,
- selecting the option to restrict usage while the unrestricted available currency is in the owner's possession,
- if a choice is made to restrict the use of unconstrained currency, choosing between sectoral constraint/functional constraint/user constraint options and converting the currency into constrained form,
- if the choice to restrict the use of unrestricted currency is not made, the use of currency is realized by transferring it to the unrestricted available balance,
- when the holder of the currency has the option to unrestrict its use, if authorized, converting the restricted available currency into unrestricted available currency by removing the selected restriction,
- transferring restricted available funds to the balance if there is no authorization,
- if there is a sectoral constraint, directing the restricted available currency transferred to the balance, to the relevant company/institution,
- after checking the sector, canceling the transaction if the company/sector is not registered,
- after checking the sector, canceling the transaction if the company/sector is registered but the expenditure is not eligible,
- after checking the sector, if the company/sector is registered and the expenditure is eligible, checking whether there is a user constraint, - if there is no user constraint, checking whether there is a functional constraint,
- if there is a user restriction, looking at the digital identity,
- during the user checking process, canceling the transaction if the user is not registered,
- during the user checking process, canceling the user check if the user is registered but the user is not eligible,
- during the user checking process, if the user is registered and the user is eligible, checking whether there is a functional constraint,
- allowing the use of the currency if there are no functional constraints,
- if there is a functional constraint, function checking of crypto/digital currency functions,
- during the function check, canceling the operation if the function is not available,
- during the function check, if the function is available, invoking the function and using the currency,
- after checking the sector, if the company / sector is not registered but the company needs to be added, adding the company to the method to be used by performing company commercial information, sector registration, product and barcode registration if there is production.
2. A digital/cryptocurrency usage method based on blockchain and distributed ledger technology as in claim 1, characterized in that the user control process includes the process step of adding identity, education, work, health, title deed/vehicle information into the method to be used if the user is not registered but the user needs to be added.
3. A digital/cryptocurrency usage method based on blockchain and distributed ledger technology as in claim 1 or claim 2, characterized in that the function control comprises the process step of developing, testing and deploying the function if the function is not available but a new function needs to be registered.
PCT/TR2023/050988 2022-09-21 2023-09-20 Blockchain and distributed ledger technology based digital/cryptocurrency redemption method WO2024063739A1 (en)

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TR2022/014509 2022-09-21

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP3518164A1 (en) * 2017-11-29 2019-07-31 Shinhan Card Co., Ltd. Credit virtual money generation device and credit virtual money management device
US20200013046A1 (en) * 2018-07-07 2020-01-09 Raymond Anthony Joao Apparatus and method for providing transaction security and/or account security
US20220051240A1 (en) * 2020-08-11 2022-02-17 Gk8 Ltd Transferring cryptocurrency from a remote limited access wallet

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP3518164A1 (en) * 2017-11-29 2019-07-31 Shinhan Card Co., Ltd. Credit virtual money generation device and credit virtual money management device
US20200013046A1 (en) * 2018-07-07 2020-01-09 Raymond Anthony Joao Apparatus and method for providing transaction security and/or account security
US20220051240A1 (en) * 2020-08-11 2022-02-17 Gk8 Ltd Transferring cryptocurrency from a remote limited access wallet

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