The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jul. 22, 2025
Filed:
Dec. 27, 2022
International Business Machines Corporation, Armonk, NY (US);
Krishnasuri Narayanam, Bangalore, IN;
Venkatraman Ramakrishna, Bangalore, IN;
Dhinakaran Vinayagamurthy, Erode, IN;
Sandeep Nishad, Bangalore, IN;
Vinayaka Pandit, Bangalore, IN;
International Business Machines Corporation, Armonk, NY (US);
Abstract
A computer-implemented method for automatically and digitally securing an asset is disclosed. The computer-implemented method includes hashing a secret preimage to produce a secret hash. The computer-implemented method further includes locking a digital collateral asset with the secret hash for a first predetermined period of time. The computer-implemented method further includes locking a digital loan asset with the secret hash for a second predetermined period of time, wherein the second predetermined period of time is less than the first predetermined period of time. The computer-implemented method further pledging a digital loan repayment up to the amount of time of the first predetermined period of time plus the second predetermined period of time. The computer-implemented method further includes responsive to receiving a pledge for the digital loan repayment, automatically unlocking the digital collateral asset for a borrower of the digital loan asset.