Fintech Patents

This is a blockchain-based credit management and enhancement system that seamlessly integrates credit information and history, credit rating, credit insurance. The system combines both financial and non-financial incentives to encourage timely repayment, while also strengthening trust and participation across the blockchain infrastructure. By bringing these components together within a single framework, the system creates operational and economic synergies that would not be achievable if each element were implemented separately. In this way, it provides financial institutions with a more efficient, transparent, and automated approach to credit management and risk mitigation.

This is a blockchain-based voucher system that enables a regulatory authority to authorize selected providers, such as private enterprises, schools, and hospitals, to deliver approved goods and services to eligible beneficiaries. The system allows funding to be linked to sources such as sales tax proceeds, enabling support to be directed efficiently toward disadvantaged groups and individuals. In this way, the voucher can serve first as a tax-credit receipt and, over time, as the basis for a broader social impact financing mechanism.

This is a method and system for transaction validation in a Distributed Ledger Technology (DLT) network, such as a blockchain. The method is based on reciprocity: members validate the transactions of other members in return for having their own transactions validated by others. In this way, only members who actively contribute to the network by validating the transactions of others earn the right to have their own transactions validated in return. This creates a built-in incentive for participants to provide verification services, helping to sustain the network in an efficient and fair manner, which is why the method is called "Proof-of-Use."