Digital First Holdings LLC

Ncr Voyix Corporation

Ncr Atleos Corporation

Bryan Walser Nonni

Abdulwahab Jarkas

Alexander Simon Lewin

A system and method for performing a financial transaction are disclosed. An application running on a first server requests a financial transaction secured by collateral of a first party in the form of digital currency. The application generates a semantic ASK message encoded with parameters defining the requested financial transaction. The semantic ASK message is sent to one or more second parties via a decentralized web node thereof. A BID message is received from at least one of the one or more second parties defining proposed terms for the requested financial transaction. Credentials for the first party are forwarded from a decentralized web node of the first party, the credentials defined in the BID message. Access is provided to the collateral of the first party to the second party upon receipt of confirmation of the financial transaction from the second party.

System and method for providing a decentralized exchange for credit lending

A cloud-based service creates and maintains custodial digital wallets for parties to value transfers. Each wallet funded by the corresponding party with cryptocurrency and/or a fiat currency. The cloud-based service provides value transfers between two parties having custodial wallets without any on-chain blockchain operations making such transfers nearly instantaneous. The cloud-based service also provides transfers between one party with a custodial wallet and another party without a custodial wallet by using a liquidity wallet and/or a liquidity account to perform the transfers nearly instantaneously and by initiating any needed blockchain operations on the blockchain to properly reflect any debit or redemption made from the liquidity wallet on the blockchain.

Decentralized network with near instantaneous terminal transfers

A customer engages a Financial Institution (FI) for access to an account or a service associated with the account of the customer over a first channel of communication. A decentralized identifier (DID) connection is established between a FI wallet and a Self-Sovereign Identity (SSI)-enabled customer wallet. A structured message that is cryptographically signed is sent from the FI wallet to the customer wallet over a secure channel of communication. The message requests authorization of the customer or requests specific Personal Identifiable Information (PII) of the customer. The customer responds via the customer wallet and a second structured message is cryptographically signed and sent to the FI wallet over the secure channel of communication. When the second structured message is authenticated by the FI, the customer is approved for access to the account or approved for access to the service over the first channel of communication.

Self-sovereign identity structured messaging for cross channel authentication

When a consumer checkouts out, the transaction interface presents a buy now pay later option selected by the consumer for payment of a transaction. Consumer information is collected through the interface and a registered financial institution (FI) is presented the transaction details and information for servicing a loan. Terms are provided from the FI and presented to the consumer through the interface. Acceptance by the consumer causes a smart contract with the terms and parties of the loan to be generated in a blockchain (BC) and payment processed by the BC by transferring funds from a FI wallet to a retailer wallet associated with the transaction.

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Atlanta, GA, United States of America

Bryan Walser Nonni