GLOBAL WORLD UNIVERSAL DIGITAL MOBILE AND WEARABLE CURRENCY IMAGE TOKEN AND LEDGER
Provided are computer implemented methods and systems for using a global world universal digital mobile and wearable currency. The method commences with receiving a transfer request. The transfer request is associated with an amount represented in tokens of the global world universal digital mobile and wearable currency. The transfer request includes at least a sender account, a recipient account, and the amount. The method continues with transferring the amount from the sender account to the recipient account based on the transfer request.
1 . A computer implemented method for using a global world universal digital mobile and wearable currency, the method comprising:
receiving, by at least one processor, a transfer request, wherein the transfer request is associated with an amount represented in tokens of the global world universal digital mobile and wearable currency, the transfer request including at least a sender account, a recipient account, and the amount; and
based on the transfer request, by the at least one processor, transferring the amount from the sender account to the recipient account.
2 . The method of claim 1 , wherein the global world universal digital mobile and wearable currency is an encrypted currency, wherein encrypting includes assigning a unique key to the transferring and signing the global world universal digital mobile and wearable currency using cryptographic signature.
3 . The method of claim 1 , further comprising:
visualizing, by the at least one processor, the transferring by representation of the tokens, wherein the visualizing includes representing the amount in a national currency, wherein the national currency is predefined by the user.
4 . The method of claim 1 , wherein the user provides at least one image, the at least one image being depicted on the tokens, wherein the image includes an image of a sender face, an image of a public figure, an image of a movie character, and other images.
5 . The method of claim 1 , wherein the transferring includes a transaction performed within a country and an international transaction, the international transaction being performed over one or more regional borders.
6 . The method of claim 1 , wherein the transferring is performed without a commission.
7 . The method of claim 1 , further comprising:
scanning, by a camera, a barcode, wherein the barcode encodes the recipient account, wherein the barcode is shown on a display of a device associated with a recipient;
reading, by the at least one processor, the barcode to extract the recipient account;
scanning, by a camera, a barcode, wherein the barcode encodes the sender account and the amount, and wherein the barcode is shown on a display of a device associated with a sender; and
reading, by the at least one processor, the barcode to extract the sender account and the amount.
8 . The method of claim 1 , wherein the transfer request is associated with a real currency amount, the real currency amount being converted in the amount represented in the tokens of the global world universal digital mobile and wearable currency.
9 . The method of claim 1 , wherein the global world universal digital mobile and wearable currency is issued and managed via mobile devices or mobile networks, wearable devices, internet-connected devices, internet of things devices, and in-apps environment.
10 . The method of claim 1 , further comprising:
receiving, by the at least one processor, a deposit to the sender account or the recipient account via a cash-in automatic transaction machine (ATM), a bank transfer, a bank mobile account, a bank checking account, a bank savings account, paper notes, electronic credits, electronic debits, credit card, debit card, prepaid card, gift card, gold, stock, and other monetary and other virtual currencies or a transfer from another account using the global world universal digital mobile and wearable currency;
storing at least one asset represented by tokens in a code block file chain;
executing currency exchange transaction between a national currency provider and a token provider.
11 . A system for using a global world universal digital mobile and wearable currency, the system comprising:
at least one processor operable to:
receive a transfer request, wherein the transfer request is associated with an amount represented in tokens of the global world universal digital mobile and wearable currency, the transfer request including at least a sender account, a recipient account, and the amount; and
based on the transfer request, by the at least one processor, transfer the amount from the sender account to the recipient account; and
a database comprising computer-readable instructions for execution by the at least one processor.
12 . The system of claim 11 , further comprising:
a camera operable to scan a barcode, wherein the barcode encodes the sender account and the amount, and wherein the barcode is shown on a display of a device associated with a sender, the at least one processor being further operable to read the barcode to extract the sender account and the amount, and wherein the barcode barcodes including electronic key data, a link to a web-resource, a payment request, advertising information, and other information, wherein one or more barcodes includes a linear dimensional code, a two-dimensional code, a snap tag code, a Quick Responxse (QR) code, and other machine readable codes.
13 . The system of claim 11 , wherein the global world universal digital mobile and wearable currency is a decentralized universal digital currency based on peer-to-peer internet protocol, and wherein payments in the global world universal digital mobile and wearable currency are protected by a digital signature and a password, the password being in a form of an alphanumeric character, a voice, a scrambled image, a video clip, a gesture of any part of a body, and wherein the password is entered by means of a touch screen, a keyboard, a mouse, or a camera of a device or by means of a remote control of the device.
14 . The system of claim 11 , wherein the sender account and the recipient account are accessed via a virtual wallet interface or a cloud server via cross-platform instant message subscription services, cross-platform multimedia services, free VOIP, free OTT.
15 . The system of claim 11 , wherein the tokens have a shape of coins, paper notes, art form with images on them and are used in money circulation.
16 . The system of claim 11 , further comprising a code block file chain, wherein the code block file chain includes a transaction database shared by nodes associated with the system for using a global world universal digital mobile and wearable currency, the transferring being recorded in the code block file chain in escrow and mediation services.
17 . The system of claim 16 , wherein the code block file chain includes a shared public ledger, the shared public ledger including a digital file for recording and totaling token transactions and being controlled using cryptography, and wherein a copy of the shared public ledger is accessible from a client device of the user.
18 . The system of claim 16 , wherein the code block file chain is a distributed transaction processing engine enabling direct operations between client devices.
19 . The system of claim 16 , further comprising one or more servers, wherein the one or more servers index the code block file chain.
20 . The system of claim 19 , wherein a transaction associated with the transfer request is signed using a private key, the shared public ledger confirming the transaction based on the private key.
21 . The system of claim 19 , wherein a transaction associated with the transfer request is verified using a public hash.
22 . The system of claim 11 , wherein a private messaging protocol is used to share distributed information.
23 . The system of claim 11 , further comprising at least one hybrid wallet configured to manage private keys and effect payments associated with the global world universal digital mobile and wearable currency.
24 . The system of claim 11 , wherein the transfer request includes providing a payment address associated with the user.
25 . The system of claim 11 , wherein the transfer is free of charge for users within the system for using a global world universal digital mobile and wearable currency and the transfer is performed with a predefined commission for users outside the system for using a global world universal digital mobile and wearable currency.
26 . The system of claim 25 , wherein the system is adapted to enable a Bluetooth low energy payment, wireless mesh networking to enable mobile and wearable devices to connect via Bluetooth, Wi-Fi, or apple's multi-peer connectivity peer-to-peer without an internet connection and is compatible with a third party application.
27 . The system of claim 25 , wherein the transfer request is associated with one or more of a transactional payment based on Unstructured Supplementary Service Data (USSD), Short Message Service (SMS), direct operator billing, a credit card mobile payment, an online wallet, a Quick Response (QR) code payment, contactless near field communication payments, a cloud-based mobile payment, an audio signal-based payment, a Bluetooth Low Energy (BLE) signal beacon payment, an in-application payment, a Software Development Kit (SDK) payment, an Application Programming Interface (API) payment, a social networking payment, and a direct carrier and bank co-operation.
28 . The system of claim 25 , wherein the at least one processor is further configured to visualize the transfer request on a screen of a client device associated with a sender, the visualizing being scannable by a Point-of-Sale (POS) system.
29 . The system of claim 11 , wherein the at least one processor is further configured to:
receive authorization data from a sender, the authorization data including a password, a Personal Identification Number (PIN) code, and biometric data; and
based on the receiving, authorize the sender to provide the transfer request.
30 . A non-transitory computer-readable medium comprising instructions, which when executed by one or more processors, perform the following operations:
receive a transfer request, wherein the transfer request is associated with an amount represented in tokens of the global world universal digital mobile and wearable currency, the transfer request including at least a sender account, a recipient account, and the amount; and
based on the transfer request, by the at least one processor, transfer the amount from the sender account to the recipient account.