US 12,731,113 B1Granted

System and method for real time adaptive price band coefficient control in a hybrid fiat cryptocurrency commerce network

OwnerJames E. Beechaminventor

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Abstract

A computer-implemented system and method are disclosed for maintaining equilibrium in hybrid fiat-and-cryptocurrency transactions through real-time adaptive coefficient control. The invention features an Adaptive Coefficient Controller (ACC) that dynamically adjusts dual control factors—r(t) and β(t)—within a programmed price-band formula to stabilize valuation between fiat and capped-supply cryptocurrency. Data inputs from a Discount-Satisfaction Monitoring (DSM) subsystem, an AI-Monitored Supply-Chain (AMSC) subsystem, and user-onboarding metrics enable continuous recalibration of the price-band slope and sensitivity. When market or behavioral deviations occur, the ACC autonomously modifies r(t) and β(t), records adjustments on a blockchain ledger, and triggers coupon or incentive issuance to sustain transactional balance. In some embodiments, user-buyers holding cryptocurrency tokens over time achieve compounded “relative discounts” when applying such tokens to hybrid purchase offers, as the appreciated token value effectively multiplies purchasing power.

Claims2

Dependent claims

A computer-implemented hybrid-offer stability system, comprising:

(a) a Feedback and Survey Interface configured to receive buyer satisfaction data;
(b) a Wallet API and a Token Usage Monitor configured to obtain vendor participation data associated with a participating vendor, the vendor participation data comprising wallet activity, transaction frequency, or participation in hybrid offers;
(c) an administrative/AI oversight layer including a computer-implemented Adaptive Coefficient Controller configured to:
(i) receive the buyer satisfaction data and the vendor participation data,
(ii) adjust at least one of a transactional-satisfaction coefficient r(t) or a supply-chain/adoption coefficient β(t) based on the received data, and
(iii) compute a price-band midpoint P(t) for a hybrid offer based on r(t) and β(t), including the adjusted at least one of r(t) and β(t);
(d) a Search Engine Module and a Marketplace Escrow Account Ledger configured to apply the price-band midpoint P(t) to the hybrid offer and to present the hybrid offer with the applied price-band midpoint P(t);
(e) a Blockchain Ledger and a Coefficient History Database configured to record coefficient values, coefficient adjustments, and the price-band midpoint P(t) associated with the hybrid offer, thereby providing historical traceability;
and
(f) a Buyer/Shopper App configured to display the hybrid offer using the applied price-band midpoint P(t).

7 more elements

Dependencies are inferred from the claim text.

Facts

Application: 19/397,886Filed 22 Nov 2025 · continuation in part
Priority: 10 Nov 2025
Granted: 8 Sep 2026
Term ends: Not estimatedThe source records don’t support an estimate.

Classification8 codes

G06Q 20/0655
Using e-cash: e-cash managed centrally
G06Q 20/02
Payment architectures, schemes or protocols: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/065
Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme: using e-cash
G06Q 20/3678
Involving electronic purses or money safes: e-cash details, e.g. blinded, divisible or detecting double spending