Systems and methods for messaging, calling, digital multimedia capture, payment transactions, global digital ledger, and national currency world digital token

• US 9,406,063 B2
• Filed: 02/10/2016
• Issued: 08/02/2016
• Est. Priority Date: 10/01/2002
• Status: Expired due to Fees

• Current Assignee: Andrew H.B. Zhou, Dylan T.X. Zhou, Tiger T.G. Zhou
• Original Assignee: Andrew H.B. Zhou, Dylan T.X. Zhou, Tiger T.G. Zhou
• Inventors: Zhou, Dylan T X, Zhou, Andrew H B, Zhou, Tiger T G
• Primary Examiner(s): Walsh, Daniel
• Application Number:
  US15/040,466
• Publication Number:
  US 20160162873A1
• Time in Patent Office: 174 Days
• US Class Current: 1/1
• CPC Class Codes: G06F 1/163 Wearable computers, e.g. on a belt
• CPC Class Codes: G06F 3/002 Specific input/output arrangements not covered by G06F3/01 - G06F3/16 other optical apparatus G02B27/00
• CPC Class Codes: G06F 3/041 Digitisers, e.g. for touch screens or touch pads, characterised by the transducing means
• CPC Class Codes: G06F 3/04883 for inputting data by handwriting, e.g. gesture or text
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/381 Currency conversion
• CPC Class Codes: G06Q 20/3827 Use of message hashing
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/40145 : Biometric identity checks
• CPC Class Codes: G06Q 2220/00 : Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: G06Q 30/02 : Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0209 : Incentive being awarded or redeemed in connection with the playing of a video game
• CPC Class Codes: G06Q 30/0273 : Determination of fees for advertising
• CPC Class Codes: G07F 19/202 : Depositing operations within ATMs depositing in general G07D11/00
• CPC Class Codes: H04L 65/1104 : Session initiation protocol [SIP]

Abstract

Provided are computer implemented methods and systems for using a global world universal digital mobile and wearable currency. The method commences with receiving a transfer request. The transfer request is associated with an amount represented in tokens of the global world universal digital mobile and wearable currency. The transfer request includes at least a sender account, a recipient account, and the amount. The method continues with transferring the amount from the sender account to the recipient account based on the transfer request.

Claims

1. A computer implemented method for multimedia capture, payment transactions, digital global ledger and national currency digital token for mobile and wearable devices, the method comprising:

receiving, by one or more processors, a first input of a user;

in response to the first input of the user, initiating one or more sensors to capture multimedia to obtain captured multimedia;

receiving, by the one or more processors, a second input of the user, wherein the first input of the user includes a touch engagement of the user with a display of a mobile and wearable device and the second input of the user includes a touch release of the user from the display of the mobile and wearable device;

analyzing, by the one or more processors, data associated with the first input of the user and the second input of the user, wherein the analyzing includes determining time between the first input of the user and the second input of the user;

based on the analysis, selectively selecting, by the one or more processors, a multimedia capture mode or a payment transaction mode, wherein the multimedia capture mode comprises the user using the mobile and wearable device to capture multimedia content, wherein the selection of the multimedia capture mode and the transaction mode is determined by comparison of the time between the first input and the second input with a predetermined time, wherein only a multimedia storing mode or a transaction mode can be selected at a single time, and wherein the multimedia capture mode is associated with a plurality of types of multimedia, wherein each of the plurality of types of multimedia being captured are determined by the time between the first input and second input in the multimedia capture mode;

based on the analysis, selectively selecting, by the one or more processors, one of multimedia storing modes or a payment transaction mode, wherein each of the multimedia storing modes is associated with at least one of a plurality of types of the multimedia;

in response to the selection of the multimedia capture storing modes, processing, by the one or more processors, the captured multimedia to obtain a type of the multimedia captured in the multimedia capture mode;

storing, by the one or more processors, the type of the multimedia captured and the captured multimedia to a database to obtain a stored type of the multimedia;

in response to the selection of the payment transaction mode, receiving, by the one or more processors, transaction data, wherein the transaction data comprises at least a payment amount and a recipient;

based on the transaction data, user payment data, and recipient payment data, performing, by the one or more processors, a payment transaction, wherein the user payment data and the recipient payment data are stored in the database;

wherein the mobile and wearable devices include at least one of a handheld computing device, a smartphone, a tablet computer, a personal digital assistant, a e-textile item, an activity tracker, a smartwatch, smartglasses, a Global Positioning System (GPS) watch, a mixed reality device, a computer-mediated reality device, a clothing technology device, and a wearable device, the wearable device having a band adapted to secure the wearable device on a human body, the human body including a wrist, an arm, a neck, a head, a leg, a waist, an ear, a finger, and any other part of the human body, wherein the band is adapted to secure the wearable device under, within or on clothing, and wherein the band includes a rechargeable battery configured to power the wearable device;

the method further comprising the use of a global world universal digital mobile and wearable currency, the method further comprising;

receiving, by at least one processor, a transfer request, wherein the transfer request is authorized upon receiving authorization data from a sender having a sender account from which funds are transferred from, the authorization data comprising a password, personal identification number (PIN) code, and biometric data comprising a face of the sender; and

based on the receiving, authorizing the sender to provide the transfer request when the authorization data providing for the transfer request matches previously registered corresponding authorization data;

wherein the transfer is associated with an amount represented in tokens of the global world universal digital mobile and wearable currency stored on the mobile and wearable device of the sender, the transfer request including at least the sender account, a recipient account, and the amount; and

based on the transfer request, by the at least one processor, prior to transferring, encrypting the currency by assigning a unique key to the transferring and signing the global world universal digital mobile and wearable currency using a cryptographic signature the amount from the sender account to the recipient account wherein the tokens stored on the mobile and wearable device of the sender are printed with a face of the sender, and upon transfer from the mobile and wearable device of the sender to a mobile and wearable device of the recipient, the tokens are converted by replacing the senders face with the recipient face, wherein the currency is not a currency of any national government but is operable to be exchanged by the mobile device into a user defined national currency.

2. The method of claim 1, wherein the global world universal digital mobile and wearable currency is an encrypted currency, wherein encrypting includes assigning a unique key to the transferring and signing the global world universal digital mobile and wearable currency using cryptographic signature.

3. The method of claim 1, further comprising:

visualizing, by the at least one processor, the transferring by representation of the tokens, wherein the visualizing includes representing the amount in a national currency, wherein the national currency is predefined by the user.

4. The method of claim 1, wherein the user provides at least one image, the at least one image being depicted on the tokens, wherein the image includes an image of a sender face, an image of a public figure, an image of a movie character, and other images.

5. The method of claim 1, wherein the transferring includes a transaction performed within a country and an international transaction, the international transaction being performed over one or more regional borders.

6. The method of claim 1, wherein the transferring is performed without a commission.

7. The method of claim 1, further comprising:

scanning, by a camera, a barcode, wherein the barcode encodes the recipient account, wherein the barcode is shown on a display of a device associated with a recipient;

reading, by the at least one processor, the barcode to extract the recipient account;

scanning, by a camera, a barcode, wherein the barcode encodes the sender account and the amount, and wherein the barcode is shown on a display of a device associated with a sender; and

reading, by the at least one processor, the barcode to extract the sender account and the amount.

8. The method of claim 1, wherein the transfer request is associated with a real currency amount, the real currency amount being converted in the amount represented in the tokens of the global world universal digital mobile and wearable currency.

9. The method of claim 1, wherein the global world universal digital mobile and wearable currency is issued and managed via mobile devices or mobile networks, wearable devices, internet-connected devices, internet of things devices, and in-apps environment.

10. The method of claim 1, further comprising:

receiving, by the at least one processor, a deposit to the sender account or the recipient account via a cash-in automatic transaction machine (ATM), a bank transfer, a bank mobile account, a bank checking account, a bank savings account, paper notes, electronic credits, electronic debits, credit card, debit card, prepaid card, gift card, gold, stock, and other monetary and other virtual currencies or a transfer from another account using the global world universal digital mobile and wearable currency;

storing at least one asset represented by tokens in a code block file chain;

executing currency exchange transaction between a national currency provider and a token provider.

11. A system for using a global world universal digital mobile and wearable currency, the system comprising:

at least one processor operable to;

receive a transfer request, wherein the transfer request is authorized upon receiving authorization data from a sender having a sender account from which funds are transferred from, the authorization data comprising a password, personal identification number (PIN) code, and biometric data comprising a face of the sender; and

based on the receiving, the at least one processor is operable to authorize the sender to provide the transfer request when the authorization data providing for the transfer request matches previously registered corresponding authorization data;

wherein the transfer is associated with an amount represented in tokens of the global world universal digital mobile and wearable currency stored on the mobile and wearable device of the sender, the transfer request including at least the sender account, a recipient account, and the amount; and

based on the transfer request, the at least one processor is further operable to, prior to transferring, encrypt the currency by assigning a unique key to the transferring and signing the global world universal digital mobile and wearable currency using a cryptographic signature the amount from the sender account to the recipient account wherein the tokens stored on the mobile and wearable device of the sender are printed with a face of the sender, and upon transfer from the mobile and wearable device of the sender to a mobile and wearable device of the recipient, convert the tokens by replacing the senders face with the recipient face, wherein the currency is not a currency of any national government but is operable to be exchanged by the mobile device into a user defined national currency;

a database comprising computer-readable instructions for execution by the at least one processor;

the system receiving, by one or more processors, a first input of a user;

in response to the first input of the user, the at least one processor initiating one or more sensors to capture multimedia to obtain captured multimedia;

receiving, by the at least one processor, a second input of the user, wherein the first input of the user includes a touch engagement of the user with a display of a mobile and wearable device and the second input of the user includes a touch release of the user from the display of the mobile and wearable device;

analyzing, by the one or more processors, data associated with the first input of the user and the second input of the user, wherein the analyzing includes determining time between the first input of the user and the second input of the user;

the one or more processors, based on the analysis, being operable to selectively select a multimedia capture mode or a payment transaction mode, wherein the multimedia capture mode comprises the user using the mobile and wearable device to capture multimedia content, wherein the selection of the multimedia capture mode and the transaction mode is determined by comparison of the time between the first input and the second input with a predetermined time, wherein only a multimedia storing mode or a transaction mode can be selected at a single time, and wherein the multimedia capture mode is associated with a plurality of types of multimedia, wherein each of the plurality of types of multimedia being captured are determined by the time between the first input and second input in the multimedia capture mode;

based on the analysis, the one or more processors being operable to selectively select one of multimedia storing modes or a payment transaction mode, wherein each of the multimedia storing modes is associated with at least one of a plurality of types of the multimedia;

in response to the selection of the multimedia capture storing modes, the one or more processors being operable to process the captured multimedia to obtain a type of the multimedia captured in the multimedia capture mode;

the one or more processors being operable to store the type of the multimedia captured and the captured multimedia to a database to obtain a stored type of the multimedia;

in response to the selection of the payment transaction mode, receiving, by the one or more processors, transaction data, wherein the transaction data comprises at least a payment amount and a recipient;

based on the transaction data, user payment data, and recipient payment data, performing, by the one or more processors, a payment transaction, wherein the user payment data and the recipient payment data are stored in the database;

wherein the mobile and wearable devices include at least one of a handheld computing device, a smartphone, a tablet computer, a personal digital assistant, a e-textile item, an activity tracker, a smartwatch, smartglasses, a Global Positioning System (GPS) watch, a mixed reality device, a computer-mediated reality device, a clothing technology device, and a wearable device, the wearable device having a band adapted to secure the wearable device on a human body, the human body including a wrist, an arm, a neck, a head, a leg, a waist, an ear, a finger, and any other part of the human body, wherein the band is adapted to secure the wearable device under, within or on clothing, and wherein the band includes a rechargeable battery configured to power the wearable device.

12. The system of claim 11, further comprising:

a camera operable to scan a barcode, wherein the barcode encodes the sender account and the amount, and wherein the barcode is shown on a display of a device associated with a sender, the at least one processor being further operable to read the barcode to extract the sender account and the amount, and wherein the barcode barcodes including electronic key data, a link to a web-resource, a payment request, advertising information, and

other information, wherein one or more barcodes includes a linear dimensional code, a two-dimensional code, a snap tag code, a Quick Responxse (QR) code, and other machine readable codes.

13. The system of claim 11, wherein the global world universal digital mobile and wearable currency is a decentralized universal digital currency based on peer-to-peer internet protocol, and wherein payments in the global world universal digital mobile and wearable currency are protected by a digital signature and a password, the password being in a form of an alphanumeric character, a voice, a scrambled image, a video clip, a gesture of any part of a body, and wherein the password is entered by means of a touch screen, a keyboard, a mouse, or a camera of a device or by means of a remote control of the device.

14. The system of claim 11, wherein the sender account and the recipient account are accessed via a virtual wallet interface or a cloud server via cross-platform instant message subscription services, cross-platform multimedia services, free VOIP, free OTT.

15. The system of claim 11, wherein the tokens have a shape of coins, paper notes, art form with images on them and are used in money circulation.

16. The system of claim 11, further comprising a code block file chain, wherein the code block file chain includes a transaction database shared by nodes associated with the system for using a global world universal digital mobile and wearable currency, the transferring being recorded in the code block file chain in escrow and mediation services.

17. The system of claim 16, wherein the code block file chain includes a shared public ledger, the shared public ledger including a digital file for recording and totaling token transactions and being controlled using cryptography, and wherein a copy of the shared public ledger is accessible from a client device of the user.

18. The system of claim 16, wherein the code block file chain is a distributed transaction processing engine enabling direct operations between client devices.

19. The system of claim 16, further comprising one or more servers, wherein the one or more servers index the code block file chain.

20. The system of claim 19, wherein a transaction associated with the transfer request is signed using a private key, the shared public ledger confirming the transaction based on the private key.

21. The system of claim 19, wherein a transaction associated with the transfer request is verified using a public hash.

22. The system of claim 11, wherein a private messaging protocol is used to share distributed information.

23. The system of claim 11, further comprising at least one hybrid wallet configured to manage private keys and effect payments associated with the global world universal digital mobile and wearable currency.

24. The system of claim 11, wherein the transfer request includes providing a payment address associated with the user.

25. The system of claim 11, wherein the transfer is free of charge for users within the system for using a global world universal digital mobile and wearable currency and the transfer is performed with a predefined commission for users outside the system for using a global world universal digital mobile and wearable currency.

26. The system of claim 25, wherein the system is adapted to enable a Bluetooth low energy payment, wireless mesh networking to enable mobile and wearable devices to connect via Bluetooth, Wi-Fi, or apple'"'"'s multi-peer connectivity peer-to-peer without an internet connection and is compatible with a third party application.

27. The system of claim 25, wherein the transfer request is associated with one or more of a transactional payment based on Unstructured Supplementary Service Data (USSD), Short Message Service (SMS), direct operator billing, a credit card mobile payment, an online wallet, a Quick Response (QR) code payment, contactless near field communication payments, a cloud-based mobile payment, an audio signal-based payment, a Bluetooth Low Energy (BLE) signal beacon payment, an in-application payment, a Software Development Kit (SDK) payment, an Application Programming Interface (API) payment, a social networking payment, and a direct carrier and bank co-operation.

28. The system of claim 25, wherein the at least one processor is further configured to visualize the transfer request on a screen of a client device associated with a sender, the visualizing being scannable by a Pointof-Sale (POS) system.

29. The system of claim 11, wherein the at least one processor is further configured to:

receive authorization data from a sender, the authorization data including a password, a Personal Identification Number (PIN) code, and

biometric data; and

based on the receiving, authorize the sender to provide the transfer request.

30. A non-transitory computer-readable medium comprising instructions, which when executed by one or more processors, perform the following operations:

receiving, by at least one processor, a transfer request, wherein the transfer request is authorized upon receiving authorization data from a sender having a sender account from which funds are transferred from, the authorization data comprising a password, personal identification number (PIN) code, and biometric data comprising a face of the sender; and

based on the receiving, authorizing the sender to provide the transfer request when the authorization data providing for the transfer request matches previously registered corresponding authorization data;

wherein the transfer is associated with an amount represented in tokens of the global world universal digital mobile and wearable currency stored on the mobile and wearable device of the sender, the transfer request including at least the sender account, a recipient account, and the amount; and

based on the transfer request, by the at least one processor, prior to transferring, encrypting the currency by assigning a unique key to the transferring and signing the global world universal digital mobile and wearable currency using a cryptographic signature the amount from the sender account to the recipient account wherein the tokens stored on the mobile and wearable device of the sender are printed with a face of the sender, and upon transfer from the mobile and wearable device of the sender to a mobile and wearable device of the recipient, the tokens are converted by replacing the senders face with the recipient face, wherein the currency is not a currency of any national government but is operable to be exchanged by the mobile device into a user defined national currency;

receiving, by one or more processors, a first input of a user;

in response to the first input of the user, initiating one or more sensors to capture multimedia to obtain captured multimedia;

receiving, by the one or more processors, a second input of the user, wherein the first input of the user includes a touch engagement of the user with a display of a mobile and wearable device and the second input of the user includes a touch release of the user from the display of the mobile and wearable device;

analyzing, by the one or more processors, data associated with the first input of the user and the second input of the user, wherein the analyzing includes determining time between the first input of the user and the second input of the user;

based on the analysis, selectively selecting, by the one or more processors, a multimedia capture mode or a payment transaction mode, wherein the multimedia capture mode comprises the user using the mobile and wearable device to capture multimedia content, wherein the selection of the multimedia capture mode and the transaction mode is determined by comparison of the time between the first input and the second input with a predetermined time, wherein only a multimedia storing mode or a transaction mode can be selected at a single time, and wherein the multimedia capture mode is associated with a plurality of types of multimedia, wherein each of the plurality of types of multimedia being captured are determined by the time between the first input and second input in the multimedia capture mode;

the analysis, selectively selecting, by the one or more processors, one of multimedia storing modes or a payment transaction mode, wherein each of the multimedia storing modes is associated with at least one of a plurality of types of the multimedia;

in response to the selection of the multimedia capture storing modes, processing, by the one or more processors, the captured multimedia to obtain a type of the multimedia captured in the multimedia capture mode;

storing, by the one or more processors, the type of the multimedia captured and the captured multimedia to a database to obtain a stored type of the multimedia;

in response to the selection of the payment transaction mode, receiving, by the one or more processors, transaction data, wherein the transaction data comprises at least a payment amount and a recipient;

based on the transaction data, user payment data, and recipient payment data, performing, by the one or more processors, a payment transaction, wherein the user payment data and the recipient payment data are stored in the database;

wherein the mobile and wearable devices include at least one of a handheld computing device, a smartphone, a tablet computer, a personal digital assistant, a e-textile item, an activity tracker, a smartwatch, smartglasses, a Global Positioning System (GPS) watch, a mixed reality device, a computer-mediated reality device, a clothing technology device, and a wearable device, the wearable device having a band adapted to secure the wearable device on a human body, the human body including a wrist, an arm, a neck, a head, a leg, a waist, an ear, a finger, and any other part of the human body, wherein the band is adapted to secure the wearable device under, within or on clothing, and wherein the band includes a rechargeable battery configured to power the wearable device.