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US 2026/0228709 A1Published application
Systems And Methods Using Electronic Wallet, Smart Digital Currency, And Biometric Data For Transactions
OwnerFatai Quadri, Abiodun Asadeinventors
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Abstract
Systems and methods for executing purchase and sale transactions in digital virtual currency between buyers and sellers are provided. The systems and methods involve using digital biometric data, digital currency cards containing passwords; and digital bank information to verify the buyer and seller and ensure that the currency and the goods or services can be exchanged. A wireless communication network, for example, centralized computer server, is used for establishing communication between the buyer and seller.
Claims20
An electronic wallet system, comprising:
- a verification program for verifying an owner of the electronic wallet, wherein the owner is verified by matching:
- a) digital biometric information from the owner;
- b) a smart digital currency card containing a password from the owner;
- and c) digital bank information from the owner with a1) digital biometric information b1) a digital smart currency card containing a password;
- and c1) digital bank information stored by a centralized computer server that is in wireless communication with the electronic wallet;
- a wireless communication means for sending smart digital currency from the verified owner of the electronic wallet to a receiving second person using a wireless signal so that a transaction between the verified owner and second person can be completed.
3 more elements
A method of making a transaction, comprising the steps of:
- providing a seller and buyer of goods or services, the seller and buyer being in wireless communication with each other;
- verifying a seller of the goods or services, wherein the seller is verified by the seller sending digital information comprising:
- a) digital biometric information from the seller;
- b) a smart digital currency card containing a password from the seller;
- and c) digital bank information from the seller and this information is matched with digital information comprising a1) digital biometric information b1) a digital smart currency card containing a password;
- and c1) digital bank information stored by a centralized computer server;
- verifying a buyer of the goods or services, wherein the buyer is verified by the buyer sending digital information comprising:
- a) digital biometric information from the buyer;
- b) a smart digital currency card containing a password from the buyer;
- and c) digital bank information from the buyer and this information is matched with digital information comprising a1) digital biometric information b1) a digital smart currency card containing a password;
- and c1) digital bank information stored by a centralized computer server;
- sending smart digital currency from the verified buyer to the verified seller using a wireless communication signal so that a transaction between the verified buyer and seller can be made.
9 more elements
Dependencies are inferred from the claim text.