US-12620031-B2 - Secure identifier integration

US12620031B2US 12620031 B2US12620031 B2US 12620031B2US-12620031-B2

Abstract

In certain aspects of the disclosure, a computer-implemented method includes creating a wallet for asset tokens and creating an account for a first user upon completion of user onboarding validation. The method includes associating the account with one of an individual and a business entity. The method includes initiating one of know-your-customer (KYC) for the individual and know-your-business (KYB) for the business entity. The method includes enabling the first user to access and make transactions using the wallet.

Inventors

Damien Patton

Assignees

TRETE Inc.

Dates

Publication Date: 20260505
Application Date: 20251030

Claims (14)

1 . An Alternative Trading System (ATS) computer-implemented method comprising: electronically onboarding an individual as a user of the ATS via a know-your-customer (KYC) protocol, including: digitally validating documentation identifying the individual; verifying an identity of the individual in view the validated documentation; accessing a dynamic security object model of the ATS, describing runtime data object properties of account objects governing access and privileges for secure exchange of tokenized assets; and in response to and upon verifying the identity, creating an individual user account corresponding to the individual with appropriate permission level security based on the dynamic security object model, including automatically creating an ATS digital wallet and associating the individual user account with the ATS digital wallet; electronically onboarding a business entity as a user of the ATS via know-your-business (KYB) protocol, including: receiving a request from the individual user account to associate the individual user account with a business entity; digitally accessing business entity documentation corresponding to the business and provided by the individual via the individual user account; validating the business entity documentation, including verifying, based on the business entity information, an identity of the business entity and that the individual is authorized to act on behalf of the business entity; in response to and upon validating the business entity documentation: creating a business entity account corresponding to the business entity with appropriate permission level security based on the dynamic security object model, including automatically creating a business ATS digital wallet and associating the business entity account with the business ATS digital wallet; linking the individual user account to the business entity account; and authorizing the individual user account to act on behalf of the business entity account with respect to one or more operations at the ATS, including granting the individual user account access to the business ATS digital wallet; subsequent to onboarding both the individual and the business entity: electronically receiving, at the ATS, an intent from the user account to conduct a private credit asset transaction between the business entity and another account, the transaction defining transfer of a token, representing a portion of private credit asset value, between the business entity and the other account; confirming that token transfer is included in the one or more operations; verifying that the individual user account is authorized to perform the private credit asset transaction in view of token transfer being included in the one or more operations; and transferring the token between the business ATS digital wallet and another digital wallet of the other account subsequent to verifying individual user account authority.
2 . The method of claim 1 , further comprising: accessing transaction data indicative of completing the private credit asset transaction; and subsequent and in response to completing the private credit asset transaction, updating fractional ownership interests in a private credit asset within an electronic capitalization table, in view of the token transfer and based on the transaction data.
3 . The method of claim 2 , further comprising: subsequent and in response to completing the private credit transaction: digitally preserving evidence of the token transfer completion in a private mutable ledger and a public immutable ledger, including: recording the transaction data in the private mutable ledger; and semi-redundantly synchronizing the public immutable ledger with the private mutable ledger including recording at least a subset of the transaction data in the public immutable ledger.
4 . The method of claim 1 , further comprising: digitally preserving evidence of the private credit asset transaction in a private mutable ledger and a public immutable ledger, including: recording transaction data associated with the private credit asset transaction in the private mutable ledger; and semi-redundantly synchronizing the public immutable ledger with the private mutable ledger including recording at least a subset of the transaction data in the public immutable ledger.
5 . The method of claim 1 , wherein authorizing the individual user account to act on behalf of the business entity account with respect to one or more operations comprises authorizing the individual user account to act on behalf of the business entity with respect to: initiating KYB, tokenizing business entity assets, claiming tokens, custodying tokens in the business ATS digital wallet, and facilitating business entity transactions, at the ATS.
6 . The method of claim 1 , wherein accessing business entity documentation corresponding to the business comprises accessing a capitalization table; wherein validating the business entity documentation, including verifying, based on the business entity information, that the individual is authorized to act on behalf of the business entity comprises validating that the individual is listed as a founder of the business entity within the capitalization table; and wherein linking the individual user account to the business entity account comprises, automatically and without user intervention, linking the individual user account to the business entity account in view of the individual being a founder of the business entity.
7 . The method of claim 1 , further comprising: prior to receiving, at the ATS, an intent from the user account to conduct a private credit asset transaction: presenting an account selector at a user interface, the account selector providing a selection between the individual user account and the business entity account; receiving a selection of the business entity account via the account selector presented at the user interface; and in response to the received selection of the business entity account, filtering out the individual user account from presented information associated with the business entity account at the user interface; and wherein receiving the intent from the user account to conduct a private credit asset transaction comprises electronically receiving the intent through the user interface after filtering out the individual user account.
8 . An Alternative Trading System (ATS) comprising: a processor; system memory coupled to the processor and storing instructions configured to cause the processor to: electronically onboard an individual as a user of the ATS via a know-your-customer (KYC) protocol, including: digitally validate documentation identifying the individual; verify an identity of the individual in view the validated documentation; access a dynamic security object model of the ATS, describing runtime data object properties of account objects governing access and privileges for secure exchange of tokenized assets; and in response to and upon verifying the identity, automatically create an individual user account corresponding to the individual with appropriate permission level security based on the dynamic security object model, including automatically creating an ATS digital wallet and associating the individual user account with the ATS digital wallet; electronically onboard a business entity as a user of the ATS via know-your-business (KYB) protocol, including: receive a request from the individual user account to associate the individual user account with a business entity; digitally accessing business entity documentation corresponding to the business and provided by the individual via the individual user account; validate the business entity documentation, including verifying, based on the business entity information, an identity of the business entity and that the individual is authorized to act on behalf of the business entity; in response to and upon validating the business entity documentation: create a business entity account corresponding to the business entity with appropriate permission level security based on the dynamic security object model, including automatically creating a business ATS digital wallet and associating the business entity account with the business ATS digital wallet; link the individual user account to the business entity account; and authorize the individual user account to act on behalf of the business entity account with respect to one or more operations at the ATS, including granting the individual user account access to the business ATS digital wallet; subsequent to onboarding both the individual and the business entity: electronically receiving, at the ATS, an intent from the user account to conduct a private credit asset transaction between the business entity and another account, the transaction defining transfer of a token, representing a portion of private credit asset value, between the business entity and the other account; confirming that token transfer is included in the one or more operations; verifying that the individual user account is authorized to perform the private credit asset transaction in view of token transfer being included in the one or more operations; and transferring the token between the business ATS digital wallet and another digital wallet of the other account subsequent to verifying individual user account authority.
9 . The Alternative Trading System (ATS) of claim 8 , further comprising instructions configured to cause the processor to: access transaction data indicative of completing the private credit asset transaction; and subsequent and in response to completing the private credit asset transaction update fractional ownership interests in a private credit asset within an electronic capitalization table, in view of the token transfer and based on the transaction data.
10 . The Alternative Trading System (ATS) of claim 9 , further comprising instructions configured to cause the processor to: subsequent and in response to completing the private credit transaction, digitally preserve evidence of the token transfer completion in a private mutable ledger and a public immutable ledger, including: record the transaction data in the private mutable ledger; and semi-redundantly synchronize the public immutable ledger with the private mutable ledger including recording at least a subset of the transaction data in the public immutable ledger.
11 . The Alternative Trading System (ATS) of claim 8 , further comprising instructions configured to cause the processor to: digitally preserve evidence of the private credit asset transaction in a private mutable ledger and a public immutable ledger, including: record transaction data associated with the private credit asset transaction in the private mutable ledger; and semi-redundantly synchronize the public immutable ledger with the private mutable ledger including recording at least a subset of the transaction data in the public immutable ledger.
12 . The Alternative Trading System (ATS) of claim 8 , wherein instructions configured to cause the processor to authorize the individual user account to act on behalf of the business entity account with respect to one or more operations comprise instructions configured to cause the processor to authorize the individual user account to act on behalf of the business entity with respect to: initiating KYB, tokenizing business entity assets, claiming tokens, custodying tokens in the business ATS digital wallet, and facilitating business entity transactions, at the ATS.
13 . The Alternative Trading System (ATS) of claim 8 , wherein instructions configured to cause the processor to access business entity documentation corresponding to the business comprise instructions configured to cause the processor to access a capitalization table; wherein instructions configured to cause the processor to validate the business entity documentation, including verifying, based on the business entity information, that the individual is authorized to act on behalf of the business entity comprise instructions configured to cause the processor to validate that the individual is listed as a founder of the business entity within the capitalization table; and wherein instructions configured to cause the processor to a link the individual user account to the business entity account comprise instructions configured to cause the processor to link the individual user account to the business entity account in view of the individual being a founder of the business entity.
14 . The Alternative Trading System (ATS) of claim 8 , further comprising instructions configured to cause the processor to: prior to receiving, at the ATS, an intent from the user account to conduct a private credit asset transaction: present an account selector at a user interface, the account selector providing a selection between the individual user account and the business entity account; receive a selection of the business entity account via the account selector presented at the user interface; and in response to the received selection of the business entity account, filter out the individual user account from presented information associated with the business entity account at the user interface; and wherein instructions configured to cause the processor to receive the intent from the user account to conduct a private credit asset transaction comprise instructions configured to cause the processor to receive the intent through the user interface after filtering out the individual user account.

Description

CROSS REFERENCE TO RELATED APPLICATIONS The present application is a continuation in part of U.S. patent application Ser. No. 19/312,035, entitled “Secure Identifier Integration, filed Aug. 27, 2025, which is incorporated herein in its entirety. U.S. patent application Ser. No. 19/312,035 is a continuation of U.S. patent application Ser. No. 18/616,159, now U.S. Pat. No. 12,430,685, entitled “Secure Integration Identifier”, filed Mar. 25, 2024, which is incorporated herein in its entirety. That application claims the benefit of priority under 35 U.S.C. § 119 from U.S. Provisional Patent Application Ser. No. 63/454,622, entitled “Transaction Platform With Synchronized Semi-Redundant Ledgers,” filed on Mar. 24, 2023, all of which is incorporated herein by reference in its entirety for all purposes. That application claims the benefit of priority under 35 U.S.C. § 119 from U.S. Provisional Patent Application Ser. No. 63/509,257, entitled “Data Retrieval and Validation for Asset Onboarding,” filed on Jun. 20, 2023, all of which is incorporated herein by reference in its entirety for all purposes. That application claims the benefit of priority under 35 U.S.C. § 119 from U.S. Provisional Patent Application Ser. No. 63/509,261, entitled “Data Validation and Assessment Valuation,” filed on Jun. 20, 2023, all of which is incorporated herein by reference in its entirety for all purposes. That application claims the benefit of priority under 35 U.S.C. § 119 from U.S. Provisional Patent Application Ser. No. 63/509,264, entitled “Secure Identifier Integration,” filed on Jun. 20, 2023, all of which is incorporated herein by reference in its entirety for all purposes. That application claims the benefit of priority under 35 U.S.C. § 119 from U.S. Provisional Patent Application Ser. No. 63/509,266, entitled “Dual Ledger Syncing,” filed on Jun. 20, 2023, all of which is incorporated herein by reference in its entirety for all purposes. That application claims the benefit of priority under 35 U.S.C. § 119 from U.S. Provisional Patent Application Ser. No. 63/515,337, entitled “Metadata Process, with Static and Evolving Attributes, Introduced into Tokenization Standards,” filed on Jul. 24, 2023, all of which is incorporated herein by reference in its entirety for all purposes. That application claims the benefit of priority under 35 U.S.C. § 119 from U.S. Provisional Patent Application Ser. No. 63/596,471, entitled “Real Asset Fractionalization Algorithm,” filed on Nov. 6, 2023, all of which is incorporated herein by reference in its entirety for all purposes. That application claims the benefit of priority under 35 U.S.C. § 119 from U.S. Provisional Patent Application Ser. No. 63/600,381, entitled “Settlement and Approval Service,” filed on Nov. 17, 2023, all of which is incorporated herein by reference in its entirety for all purposes. That application claims the benefit of priority under 35 U.S.C. § 119 from U.S. Provisional Patent Application Ser. No. 63/615,108, entitled “Live Syncing Capitalization Table System,” filed on Dec. 27, 2023, all of which is incorporated herein by reference in its entirety for all purposes. That application claims the benefit of priority under 35 U.S.C. § 119 from U.S. Provisional Patent Application Ser. No. 63/615,128, entitled “Transaction Flow with Master Account Ledger and Escrow Ledger Interaction,” filed on Dec. 27, 2023, all of which is incorporated herein by reference in its entirety for all purposes. That application claims the benefit of priority under 35 U.S.C. § 119 from U.S. Provisional Patent Application Ser. No. 63/615,136, entitled “Regenerative Model-Continuous Evolution System (“RM-CES”),” filed on Dec. 27, 2023, all of which is incorporated herein by reference in its entirety for all purposes. That application claims the benefit of priority under 35 U.S.C. § 119 from U.S. Provisional Patent Application Ser. No. 63/615,145, entitled “Transaction & Settlement Validation Service (“TSVS”),” filed on Dec. 27, 2023, all of which is incorporated herein by reference in its entirety for all purposes. TECHNICAL FIELD The present disclosure generally relates to blockchain technology, e.g., cryptographically encoded ledgers distributed across a computing network, and more specifically relates to transaction platforms with semi-redundant ledgers. BACKGROUND There is a need for a technology platform that can create digital securities out of what are known as “real assets” and can function as a secondary market platform or Financial Exchange for these types of assets. Examples of real assets include office buildings, multi-family apartment buildings, car washes, private planes or yachts, antique cars, art, jewelry, insurance policies, and even structured products that are based on the performance of an underlying asset (e.g. a racehorse). Real estate, for example, has long been a preferred investment, offering competitive risk-adjusted returns and a hedge against inflation. Direct investm