WO2024100677A1 - Système de chaîne de blocs légère pour réseau financier basé sur lora pour paiements hors ligne, et procédé associé - Google Patents

Système de chaîne de blocs légère pour réseau financier basé sur lora pour paiements hors ligne, et procédé associé Download PDF

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WO2024100677A1
WO2024100677A1 PCT/IN2023/051017 IN2023051017W WO2024100677A1 WO 2024100677 A1 WO2024100677 A1 WO 2024100677A1 IN 2023051017 W IN2023051017 W IN 2023051017W WO 2024100677 A1 WO2024100677 A1 WO 2024100677A1
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lora
network
messages
sender
nodes
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PCT/IN2023/051017
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English (en)
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Janakiram D
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Institute For Development And Research In Banking Technology (Idrbt)
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Publication of WO2024100677A1 publication Critical patent/WO2024100677A1/fr

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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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • 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
    • G06Q20/08—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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3827—Use of message hashing
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • 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
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • 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
    • G06Q20/401—Transaction verification

Definitions

  • the present invention relates to the field of blockchain technology, and in particular relates to lightweight Blockchain system suitable for low power wide area private financial network built using LoRa protocol.
  • the present invention provides a LoRaFlowChain platform which is lightweight blockchain for private financial network for off- ⁇ line payments.
  • the general approach used for financial payment rails has been to use internet, mobile and other devices connected to the internet.
  • the packets are encrypted and sent over internet and the server receiving these packets are also connected to the internet.
  • These internet facing server and connected devices often provide opportunities to hackers to exploit vulnerabilities in the hardware and software present on these devices.
  • Offline payment is a way to pay without the need for a network. Because this method makes the user's payment more convenient, and does not need to consume network traffic, it is gradually applied. Below are the prior-art relating to offline payment systems
  • US patent 11074573 discloses processing of mobile payments when disconnected from payment servers, includes: a computer readable storage medium having program instructions embodied therewith.
  • the program instructions are executable by a user device to cause the user device to: receive an offline payment request from a merchant payment system via local communications; provide a payment approval message to the merchant payment system via the local communications to cause the merchant payment system to store the payment approval message; and provide offline transaction information to the payment server corresponding to the payment approval message; and provide the offline transaction information to the payment server corresponding to the payment approval message to the payment server when the user device and the payment server are connected via a network.
  • PCT patent application 2017219860 provides an offline payment method and device, comprises: when a third-party payment application receives an offline payment request of a corresponding target payment application, the third-party payment application obtains an identity authentication identifier of a user sending the request; when it is determined that the obtained identity authentication identifier is passed, the third-party payment application obtains an offline payment certificate granted by the target payment application to the user and stored in a terminal; and the third-party payment application provides the offline payment certificate to an office payment service party, so that the office payment service party requests, according to the offline payment certificate, the target payment application to process offline payment of the user. It is more convenient and securer when offline payment is carried out from a payment application among third- party payment applications integrated in a consumer terminal.
  • Chinese Patent 107358422 discloses a payment system based on block chain technology
  • the invention provides a payment system based on a block chain technology, which is characterized by comprising a transaction application module, an access module, a block chain module, a connection module and a channel module; the transaction application module, the access module, the block chain module, the connection module and the channel module are sequentially in communicative connection, and the connection module is in communicative connection with the access module; all transactions are firstly issued through a merchant own transaction system to form transaction requests and are submitted to the payment system; the transaction request is transmitted to the channel module in the payment system through the access module, the blockchain module and the connection module; the connection module is configured to: monitoring the transaction request on the blockchain module, sending the monitored transaction request to the channel module, receiving the transaction result returned by the channel module, and writing the received transaction result into the blockchain module.
  • the invention is beneficial to implementing accurate, timely and more-dimensional supervision.
  • US patent 11250404 provides a transaction scheme for offline payment.
  • An authentication factor is received, including an authentication key, an account information of a user, and a dynamic time factor.
  • a bound authentication information is generated by using the authentication factor and a device information of a client device that requested the secure offline payment.
  • the bound authentication information is transmitted to a service server system perform an offline payment authorization based on the bound authentication information.
  • a graphical identifier is generated for completing the secure offline payment associated with the authentication factor, where the graphical identifier includes the bound authentication information and a dynamic password generated based on the dynamic time factor.
  • the present invention proposes a LoRa based wide area private financial network spreading into rural areas as well and building LoRaFlowChain which is a lightweight blockchain based platform for secure offline payment purposes.
  • the LoRaFlowChain platform can also support embedded transactions from devices connected with the LoRaFlowChain network.
  • LoRaFlowChain is built especially as a custom way of building blockchain network on top of LoRa network taking into account the specific features of the LoRa network. Once the LoRaFlowChain is operating any device connected with LoRaFlowChain can make secure payments to any other device connected to the LoRaFlowChain network.
  • the main object of the present invention is to provide a system for a LoRa based lightweight blockchain financial network for offline payments.
  • the primary object of the present invention is to provide lightweight Blockchain platform “LoRaFlowChain” suitable for low power wide area private financial network built using LoRa protocol.
  • Still another object of the present invention is to provide lightweight Blockchain platform “LoRaFlowChain” that supports embedded device payments by creating a private low- cost wide area financial network platform based on blockchain for secure offline payments among devices connected to the LoRa network.
  • the present invention is mainly designed as a lightweight blockchain for financial network for offline payments especially in rural areas, it goes without saying that the present invention can also be applied to any payment modes and can be adopted in any area according to the need of the invention.
  • the present invention provides a system for LoRa based lightweight blockchain financial network for offline payments and method thereof.
  • the LoRaFlowChain platform which is lightweight blockchain is suitable for low power wide area private financial network built using LoRa protocol.
  • the present invention a LoRa based Lightweight Blockchain system framework Financial Network for off-line payments, comprises of : atleast a LoRa device, provided at the sender terminal for transmitting messages; atleast a receiver node, provided at the receiver terminal; a plurality of relay nodes, provided at terminals inbetween the said sender terminal and the receiver terminal; atleast a joining server, to securely exchange the keys between the said sender and the receiver terminal devices; atleast a registration node, provided in the LoRa network for preregistering the device details at the said sender and receiver terminal; a plurality of blockchain nodes, including a Proof of Identity nodes and a Proof of witness nodes for storing the encrypted messages; and atleast a long term storage module, for storage of long term messages.
  • the proposed lightweight Blockchain is a new model of blockchain suitable for low power wide area private financial network built using LoRa protocol.
  • LoRa provides long range low power network connectivity for loT and other devices.
  • LoRaFlowChain is built especially as a custom way of building blockchain network on top of LoRa network considering the specific features of the LoRa network. Once the LoRaFlowChain system is operating any device connected with LoRaFlowChain system can make secure payments to any other device connected to the LoRaFlowChain network.
  • a method of operation of LoRa based lightweight blockchain system financial network for off-line payments comprising steps of : setting up of LoRa network at a first point, sender terminal; setting up of a LoRa network at a second point receiver terminal; setting up a plurality of relay nodes at several points inbetween the said sender terminal and the said receiver terminal; preregistering the sender and receiver device details in the joining server for securely exchanging the keys between the said sender and receiver devices,; sending the encrypted messages/ data sent over the network by the sender; transmitting the encrypted messages through the said plurality of relay nodes to the receiver terminal; decrypting the transmitted messages at the receiver terminal; storing all the messages in near term in the plurality of blockchain nodes; and storing all the messages in long term in backend storage module.
  • Fig. 1 illustrates LoRa private financial network in accordance with an embodiment of the present invention.
  • the present invention as embodied by "A system for LoRa based lightweight blockchain financial network for offline payments and method thereof" succinctly fulfils the above- mentioned need(s) in the art.
  • the present invention has objective(s) arising as a result of the above-mentioned need(s), said objective(s) being enumerated below.
  • the objective(s) of the present invention are enumerated, it will be obvious to a person skilled in the art that, the enumerated objective(s) are not exhaustive of the present invention in its entirety, and are enclosed solely for the purpose of illustration.
  • the present invention encloses within its scope and purview, any structural alternative(s) and/or any functional equivalent(s) even though, such structural alternative(s) and/or any functional equivalent(s) are not mentioned explicitly herein or elsewhere, in the present disclosure.
  • the present invention therefore encompasses also, any improvisation(s)/ modification(s) applied to the structural alternative(s)/functional alternative(s) within its scope and purview.
  • the present invention may be embodied in other specific form(s) without departing from the spirit or essential attributes thereof.
  • LoRa Protocol A wireless protocol enabling Long Range Low Power Communications.
  • Blockchain A digital ledger of transactions wherein the data is stored in blocks and maintained by network of computers.
  • Lightweight Blockchain A blockchain with simplified algorithm without compromising on security features.
  • Raspberry Pi mote A RF transmitter add-on board.
  • Payment rails Online platforms for digital transactions, mostly financial transactions.
  • Blockchain Node A device such as computer connected to the blockchain network.
  • the present invention provides a Lightweight Blockchain system framework (121) for LoRa Based Financial Network for off-line payments and method thereof.
  • the proposed lightweight Blockchain is a new model of blockchain suitable for low power wide area private financial network built using LoRa protocol.
  • LoRa provides long range low power network connectivity for loT and other devices.
  • LoRaFlowChain is built especially as a custom way of building blockchain network on top of LoRa network considering the specific features of the LoRa network. Once the LoRaFlowChain system is operating any device connected with LoRaFlowChain system can make secure payments to any other device connected to the LoRaFlowChain network.
  • LoRaFlowChain platform for secure offline payments across various devices connected to LoRaFlowChain network is further disclosed by the present invention.
  • the present invention a LoRa based Lightweight Blockchain system framework (121) Financial Network for off-line payments, comprises of : atleast a LoRa device (122), provided at the sender terminal for transmitting messages, wherein the said messages are encrypted by the sender at the sender terminal; atleast a receiver node (123), provided at the receiver terminal, wherein the transmitted messages are decrypted at the receiver terminal; a plurality of relay nodes (124), provided at terminals inbetween the said sender terminal and the receiver terminal, wherein the said relay nodes receives the transmitted messages from the sender terminal as packets and retransmits the packets to the receiver terminal; atleast a joining server, to securely exchange the keys between the said sender and the receiver terminal devices, wherein the joining server is preregistered; atleast a registration node, provided in the LoRa network for preregistering the device details at the said sender and receiver terminal; a plurality of blockchain nodes, including a Proof of Identity (125) nodes for receiving all the messages sent on
  • the said LoRa device (122) provided at the sender terminal is built by connecting the RF transmitters with a LoRa module.
  • the said RF transmitters includes but are not limited to AM Transmitter, FM Transmitter, SSB Transmitter, Direct Conversion Transmitter, Superheterodyne Transmitter, more preferably Raberry Pi mote.
  • the said preregistered joining server is used to securely exchange the keys between the said sender and receiver terminal devices preventing unknown devices from stealing keys and decrypting messages or sending messages on behalf of the sender device fraudulently.
  • the specially designated registration nodes present in the network will preregister the device details based on the device details, the session keys for encryption and decryption are obtained from the said joining servers.
  • the registration nodes are completely isolated from internet to prevent the joining servers from any outside attacks and the sender and receiver device details are added only through the secure interfaces to the device.
  • the said plurality of blockchain nodes (125,126) are specified with the quorum. Once the quorum is reached for a message, it is put into a block stored in the said backend long term storage module (127). LoRaFlowChain are used as a witness in the near term and long term. In the near term, the messages are stored in the said plurality of blockchain nodes (125, 126) and when the near term ends, the messages are purged into backend long term storage module (127). There are various parameters that can be customized based on the application.
  • multiple types of LoRa based financial networks can be created by assigning different keys to each of the types of the financial networks.
  • low payment less risky payments are enabled in one type of financial network.
  • high value payments and embedded payments are enabled over a different financial network with an associated LoRaFlowChain.
  • each type of financial network on the LoRa Financial network is associate with a LoRaFlowChain instance which will store all the transactions in the associate LoRaFlowChain.
  • preregistered payment channels between devices are supported with associate LoRaFlowChain for trust.
  • a method of operation of LoRa based lightweight blockchain system (121) financial network for off-line payments comprising steps of : setting up of LoRa network (122) at a first point, sender terminal, wherein said LoRa device provided at the sender terminal is built by connecting the RF transmitters with a LoRa module; setting up of a LoRa network (123) at a second point receiver terminal; setting up a plurality of relay nodes (124) at several points inbetween the said sender terminal and the said receiver terminal, wherein the said relay nodes receives the packets from the sender terminal and retransmitting it to the receiver terminal; preregistering the sender and receiver device details in the joining server for securely exchanging the keys between the said sender and receiver devices, wherein said preregistration is performed by the registration nodes provided in the network; sending the encrypted messages/ data sent over the network by the sender; transmitting the encrypted messages through the said plurality of relay nodes to the receiver terminal; decrypting the transmitted messages at the receiver terminal;
  • said plurality of blockchain nodes includes a Proof of Identity nodes (125) for receiving all the messages sent on the network they decrypt the messages and store the decrypted messages.
  • said plurality of blockchain nodes includes a Proof of witness (126) nodes for storing the encrypted messages as received.
  • telcom operators and towers provide a framework for setting up a low cost wide area financial network infrastructure that is efficiently used for setting up different types of financial networks and associating devices with these financial networks and protocols for joining these financial networks. Since these networks do not depend on the public infrastructure such as telcom operators and towers, it is possible to make them operate in disaster scenarios as well very easily and first responders can easily plug into these networks in such scenarios.
  • LoRaFlowChain is lightweight blockchain component built on top of LoRa financial network.
  • Each type of financial network on the LoRa Financial network will be associate with a LoRaFlowChain instance which will store all the transactions in the associate LoRaFlowChain.
  • the LoRaFlowChain blockchain system is designed keeping the special features of LoRa network. Every packet sent in the LoRa network can be received by a device within the vicinity of the LoRa network.
  • a LoRaFlowChain system/ platform which is lightweight blockchain for private financial network for off-line payments especially rural areas.
  • the platform also supports embedded device payments creating a private low-cost wide area financial payment platform.
  • the LoRaFlowChain platform provides low-cost wide area network platform based on blockchain for secure offline payments among devices connected to the LoRa network.
  • the present invention discloses building of LoRaFlowChain platform (121) which is a blockchain based platform for performing secure offline payments.
  • the LoRaFlowChain system for offline transaction involves the steps of: (i) Building private financial networks upon the LoRa network for secure offline payments from devices; (ii) Method of establishing LoRaFlowChain platform as a secure offline payment platform connecting remote villages into the payment rails in a very secure fashion.
  • LoRa is a long-range network protocol based on the chip spectrum and packets can be transmitted over 30 mile distances between LoRa devices making LoRa network suitable for building wide area private network.
  • LoRa network (122) connecting a first point, sender terminal and a second point receiver terminal (123) which is about 9km apart is established.
  • One LoRa device at the sender terminal is built using Raberry Pi mote connected with LoRa module sx678 as transmitter of messages.
  • a secondary relay node (124) for receiving the packets from the sender terminal and retransmitting is kept at the third point which is inbetween the sender and the receiver terminal.
  • the messages/ data sent over the network are encrypted by the sender and is decrypted only by the receiver.
  • the preregistered joining server are used to securely exchange the keys between devices preventing unknown devices from stealing keys and decrypting messages or sending messages on behalf other devices fraudulently.
  • Special registration nodes are provided in the network and these nodes will preregister the sender and receiver device details and based on the device details, the session keys for encryption and decryption are obtained from the joining servers.
  • LoRaFlowChain is lightweight blockchain component built on top of LoRa financial network. Each type of financial network on the LoRa Financial network will be associate with a LoRaFlowChain instance which will store all the transactions in the associate LoRaFlowChain.
  • the LoRaFlowChain blockchain system is designed keeping the special features of LoRa network. Every packet sent in the LoRa network can be received by a device within the vicinity of the LoRa network.
  • LoRaFlowChain has two kinds of blockchain nodes in the network.
  • the Proof of Identity nodes (125) will receive all the messages sent on the network and they also decrypt the messages and store the decrypted messages.
  • the Proof of witness (126) nodes will store the encrypted messages as received.
  • Each LoRaFlowChain will specify the quorum for Proof of Identity and Proof of Witness. Once the quorum is reached for a message, it is put into a block stored in the backend long term storage module (127).
  • LoRaFlowChain can be used as a witness in the near term and long term. In the near term, the messages are stored in the blockchain nodes and once the near term ends, the messages are purged into backend long term LoRaFlowChain for storage. There are various parameters that can be customized based on the application.
  • a framework is created for setting up a low-cost wide area financial network infrastructure that can be efficiently used for setting up different types of financial networks and associating devices with these financial networks and protocols for joining these financial networks. Since these networks do not depend on the public infrastructure such as telecom operators and towers, it is possible to make them operate in disaster scenarios as well very easily and first responders can easily plug into these networks in such scenarios.
  • LoRaFlowChain platform enables LoRa Based Financial Network for offline payments in rural areas. • The platform also supports embedded device payments creating a private low-cost wide area financial payment platform.
  • the LoRaFlowChain provides low-cost wide area network platform for secure offline payments among devices connected to the LoRa network. • Any device connected with LoRaFlowChain can make secure payments to other device connected to the LoRaFlowChain network.
  • LoRaFlowChain system supports multiple financial networks.
  • LoRaFlowChain platform can be efficiently built using 5G private networks as well.

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

Abstract

La présente invention porte sur un environnement de système de chaîne de blocs légère pour un réseau financier basé sur LoRa pour des paiements hors ligne, et sur un procédé associé. La plateforme LoRaFlowChain, qui est une chaîne de blocs légère, est appropriée pour un réseau financier privé étendu à faible consommation d'énergie construit à l'aide du protocole LoRa. La plateforme prend également en charge des paiements de dispositifs embarqués, créant une plateforme de paiement financière à zone étendue à bas coût privée. La plateforme LoRaFlowChain fournit une plateforme de réseau étendu à bas coût reposant sur une chaîne de blocs pour des paiements hors ligne sécurisés entre des dispositifs connectés au réseau LoRa.
PCT/IN2023/051017 2022-11-07 2023-11-05 Système de chaîne de blocs légère pour réseau financier basé sur lora pour paiements hors ligne, et procédé associé WO2024100677A1 (fr)

Applications Claiming Priority (2)

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IN202241063416 2022-11-07
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US20180293578A1 (en) * 2017-04-07 2018-10-11 Blossom Llc System and methods for implementing secure financial transactions

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US20180293578A1 (en) * 2017-04-07 2018-10-11 Blossom Llc System and methods for implementing secure financial transactions

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CREUTZ LARS; WAGNER KEVIN; DARTMANN GUIDO: "Cyber-Physical Contracts in Offline Regions", 2022 IEEE INTERNATIONAL CONFERENCES ON INTERNET OF THINGS (ITHINGS) AND IEEE GREEN COMPUTING & COMMUNICATIONS (GREENCOM) AND IEEE CYBER, PHYSICAL & SOCIAL COMPUTING (CPSCOM) AND IEEE SMART DATA (SMARTDATA) AND IEEE CONGRESS ON CYBERMATICS (CYBERMATIC, 22 August 2022 (2022-08-22), pages 461 - 469, XP034202274, DOI: 10.1109/iThings-GreenCom-CPSCom-SmartData-Cybermatics55523.2022.00097 *

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