Granted Patent B2

US 12,561,740 · App. 18/600,623 · Granted Feb 24, 2026

Inventors: Bob G. Schlicher (Knoxville, TN); David J. Todd (Spearfish, SD); Niels C. Skjoldager (Seminole, FL); Shaikha Dheya Ebrahim Al Khalifa (Manama, BH)

Assignee: AVC Innovations LLC

G06Q40/03G06Q20/389

Abstract

Claims (187)

1 . A computer implemented electronic method of electronically processing at least one electronic early payment financing electronic request, electronically enabling at least or more of at least one electronic dynamic discounting (DD) or at least one electronic reverse factoring (RF) financing, via at least one electronic SmartHub finance processor (SHFP) device comprising

at least one electronic computer processor coupled to

at least one electronic memory storage device and coupled via

at least one electronic communications interface to

at least one electronic data communications network, the method comprising:

electronically receiving, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one electronic request for the at least one electronic early payment financing request from an electronic supplier party device over the at least one electronic data communications network;

electronically processing, by the at least one electronic computer processor of the at least one electronic SHFP device, the at least one electronic request by electronically performing a plurality of electronic processing instructions comprising at least one or more of:

electronically accessing, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one electronic asset, electronic non-fungible token (NFT) electronic repository;

electronically receiving, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one electronic risk management model;

electronically notarizing, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one electronic NFT proxy package to at least one local electronic NFT blockchain electronic repository;

electronically notarizing and electronically collateralizing, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one electronic NFT proxy package to at least one electronic restricted access public electronic NFT blockchain electronic repository;

electronically binding the electronic Dynamic Discounting (DD) electronic NFT to the electronic NFT, electronically ensuring an electronic secure and electronically unbreakable digital linkage;

electronically notifying, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one electronic payment network;

electronically verifying, by the at least one electronic computer processor of the at least one SHFP, the electronic NFT to the at least one local electronic NFT blockchain electronic repository; or

electronically responding, by the at least one electronic computer processor of the at least one electronic SHFP device, to the at least one electronic early payment financing request to the electronic supplier party device; and

electronically providing an electronic dynamic discounting (DD) rights electronic non- fungible token (NFT), comprising:

electronically enabling electronically acquiring or electronically trading of electronic data indicative of rights to electronically participate in electronic dynamic discounting; and

electronically enabling making electronic independent early payment arrangement with an electronic supplier party device that do not directly involve an electronic buyer party device.

2 . The method according to claim 1 , wherein said electronically notifying, by the at least one electronic computer processor of the at least one electronic SHFP device, of the at least one electronic early payment network, comprises:

wherein the at least one electronic early payment network in turn electronically proceeds to electronically notify at least one or more of:

at least one electronic fintech finance market device;

at least one electronic value chain finance exchange device;

at least one electronic DeFi Market device; or

at least one electronic buyer party device.

3 . The method according to claim 1 , wherein said electronically processing, by the at least one electronic computer processor of the at least one electronic SHFP device, the at least one electronic request by the electronically performing said plurality of electronic processing instructions comprises:

electronically accessing, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one asset, electronic non-fungible token (NFT) electronic repository;

electronically receiving, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one electronic risk management model;

electronically notarizing, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one electronic NFT proxy package to at least one local electronic NFT blockchain electronic repository;

electronically notarizing and electronically collateralizing, by the at least one electronic computer processor of the at least one electronic SHFP, at least one electronic NFT proxy package to at least one electronic restricted access public electronic NFT blockchain electronic repository;

electronically binding the electronic Dynamic Discounting (DD) electronic NFT to the electronic NFT, ensuring an electronically secure and electronically unbreakable digital linkage;

electronically notifying, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one or more of:

at least one electronic early payment network, wherein the at least one electronic early payment network in turn electronically proceeds to electronically notify:

at least one electronic fintech finance market device;

at least one electronic value chain finance exchange device;

at least one electronic DeFi Market device; and

at least one electronic buyer party device;

electronically verifying, by the at least one electronic computer processor of the at least one electronic SHFP device, the electronic NFT to the at least one local electronic NFT blockchain electronic repository; and

electronically responding, by the at least one electronic computer processor of the at least one electronic SHFP device, to the at least one electronic early payment financing request to the electronic supplier party device.

4 . The method according to claim 1 , wherein an electronic party device in the electronic role of an electronic borrower device of electronic funds to electronically request of electronic funds by electronically presenting electronic digital collateral in the form of an electronic NFT, an electronic supply chain electronic digital track and electronic trace electronic artifact, and for electronic other Parties devices, in the electronic role of an electronic financer device or an electronic lender device, to electronically verify the electronic digital collateral to electronically process the electronic request of electronic funds and electronically provide electronic bids to the electronic borrower device for electronic bid acceptance by the electronic borrower device with a electronic digital agreement for electronic funds electronic transfer, the method further comprises:

electronically registering the electronic financer device and the electronic lender device;

electronically providing electronic secured access to electronic borrower device electronic opportunities;

electronically verifying electronic digital collateral using at least one electronic blockchain transaction;

electronically securing the electronic digital collateral; and

electronically ensuring the electronic digital collateral is electronically authentic through at least one or more of:

electronically authenticating at least one electronic digital signature; or

electronically authenticating by using electronic blockchain storage.

5 . The method according to claim 4 , further comprising:

electronically processing electronic agreements for electronic funds between the electronic financer device and the electronic borrower device;

electronically transferring electronic funds and electronic cryptocurrency funds from the electronic financer device to the electronic borrower device;

electronically assessing electronic data indicative of electronic fees and electronic interest; and

electronically processing electronic payments from the electronic borrowers devices for electronic loan agreements.

6 . The method according to claim 5 , further comprising:

electronically providing several types of electronic agreements with electronic terms that the electronic borrower device may electronically select an electronic selection choice to electronically accept that involve electronic financial mechanisms comprising at least one or more of:

electronic forward and electronic reverse factoring (RF);

electronic dynamic discounting (DD); or

electronic loan terms.

7 . An electronic system of electronically processing at least one electronic early payment financing request, electronically enabling at least or more of at least one electronic dynamic discounting (DD) or at least one electronic reverse factoring (RF) financing, the electronic system comprising:

at least one electronic SmartHub finance processor (SHFP) device comprising:

at least one electronic computer processor;

at least one electronic memory storage device coupled to said at least one electronic computer processor; and

at least one electronic communications interface coupled to said at least one electronic computer processor and coupled to at least one electronic data communications network,

wherein said at least one electronic computer processor of said at least one electronic SHFP device is configured to:

electronically receive at least one electronic request for the at least one electronic early payment financing request from an electronic supplier party device over the at least one electronic data communications network; and

electronically process the at least one electronic request by being electronically configured to electronically perform a plurality of electronic processing instructions comprising wherein the at least one electronic computer processor is electronically configured to at least one or more of:

electronically access at least one electronic asset, electronic non-fungible token (NFT) electronic repository;

electronically receive at least one electronic risk management model;

electronically notarize at least one electronic NFT proxy package to at least one local electronic NFT blockchain electronic repository;

electronically notarize and electronically collateralize at least one electronic NFT proxy package to at least one electronic restricted access public electronic NFT blockchain electronic repository;

electronically bind the electronic Dynamic Discounting (DD) electronic NFT to the electronic NFT, ensuring an electronically secure and electronic unbreakable digital linkage;

electronically notify:

at least one electronic early payment network;

electronically verify the electronic NFT to the at least one local electronic NFT blockchain electronic repository; or

electronically respond to the at least one electronic early payment financing request to the electronic supplier party device; and

wherein said at least one electronic computer processor of said at least one electronic SHFP device is configured to:

electronically provide an electronic dynamic discounting (DD) rights electronic non- fungible token (NFT), comprising wherein said at least one electronic computer processor of said at least one electronic SHFP device is configured to:

electronically enable electronically acquire or electronically trade of electronic data indicative of rights to electronically participate in electronic dynamic discounting; and

electronically enable to make electronic independent early payment arrangement with an electronic supplier party device that do not directly involve an electronic buyer party device.

8 . The system according to claim 7 , wherein said electronically notify said at least one electronic early payment network, comprises wherein the at least one electronic early payment network is in turn electronically configured to electronically proceed to electronically notify at least one or more of:

at least one electronic fintech finance market device;

at least one electronic value chain finance exchange device;

at least one electronic DeFi Market device; or

at least one electronic buyer party device.

9 . The system according to claim 7 , wherein said electronically process the at least one electronic request by being electronically configured to electronically perform a plurality of electronic processing instructions comprising wherein the at least one electronic computer processor is configured to:

electronically access at least one electronic asset, electronic non-fungible token (NFT) electronic repository;

electronically receive at least one electronic risk management model;

electronically notarize at least one electronic NFT proxy package to at least one local electronic NFT blockchain electronic repository;

electronically notarize and electronically collateralize at least one electronic NFT proxy package to at least one restricted access public electronic NFT blockchain electronic repository;

electronically bind the electronic Dynamic Discounting (DD) NFT to the electronic NFT, ensuring an electronically secure and electronically unbreakable electronic digital linkage;

electronically notify at least one or more of:

at least one electronic early payment network, wherein the at least one electronic early payment network in turn is configured to electronically proceed to electronically notify:

at least one electronic fintech finance market device;

at least one electronic value chain finance exchange device;

at least one electronic DeFi Market device; and

at least one electronic buyer party device;

electronically verify the electronic NFT to the at least one local electronic NFT blockchain electronic repository; and

electronically respond to the at least one electronic early payment financing request to the electronic supplier party device.

10 . The system according to claim 7 , wherein an electronic party device in the electronic role of an electronic borrower device of electronic funds to electronically request of electronic funds by electronically presenting electronic digital collateral in the form of a electronic NFT, an electronic supply chain electronic digital track and electronic trace electronic artifact, and for electronic other Parties devices, in the electronic role of an electronic financer device or an electronic lender device, to electronically verify the electronic digital collateral to electronically process the electronic request of electronic funds and electronically provide electronic bids to the electronic borrower device for electronic bid acceptance by the electronic borrower device with an electronic digital agreement for electronic funds transfer, wherein the electronic system is further configured to:

electronically register the electronic financer device and the electronic lender device;

electronically provide secured electronic access to electronic borrower device opportunities;

electronically verify electronic digital collateral electronic using at least one electronic blockchain transaction;

electronically secure the electronic digital collateral;

electronically ensure the electronic digital collateral is electronically authentic through at least one or more of:

electronically authenticate at least one electronic digital signature; or

electronically authenticate by using electronic blockchain electronic storage;

electronically process agreements for electronic funds between the electronic financer device and the electronic borrower device;

electronically transfer electronic data indicative of electronic funds and electronic cryptocurrency funds from the electronic financer device to the electronic borrower device;

electronically assess electronic data indicative of electronic fees and electronic interest;

electronically process electronic payments from the electronic borrowers devices for electronic loan agreements;

electronically provide several types of electronic agreements with electronic terms that the borrower may electronically select an electronic selection choice to electronically accept that involve electronic financial mechanisms comprising at least one or more of:

electronic forward and electronic reverse factoring (RF);

electronic dynamic discounting (DD); or

electronic loan terms; and

electronically provide an electronic dynamic discounting (DD) rights electronic non-fungible token (NFT), comprising:

electronically enable electronic acquisition or electronic trade of rights to electronically participate in electronic dynamic discounting; and

electronically enable electronic execution of an independent electronic early payment arrangement with an electronic supplier party device that do not directly involve a electronic buyer party device.

11 . A nontransitory, computer program product, embodied on at least one computer accessible medium, comprising at least one computer program instruction, which when electronically executed on at least one electronic computer processor, performs an electronic method of electronically processing at least one electronic early payment financing request, electronically enabling at least or more of at least one electronic dynamic discounting (DD) or at least one electronic reverse factoring (RF) financing, via at least one electronic SmartHub finance processor (SHFP) device comprising at least one electronic computer processor coupled to at least one electronic memory storage device and coupled via at least one electronic communications interface to at least one electronic data communications network, the computer program product comprising the electronic method comprising:

electronically receiving, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one electronic request for the at least one electronic early payment financing request from an electronic supplier party device over the at least one electronic data communications network; and

electronically processing, by the at least one electronic computer processor of the at least one electronic SHFP device, the at least one electronic request by electronically performing a plurality of electronic processing instructions comprising at least one or more of:

electronically accessing, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one electronic asset, electronic non-fungible token (NFT) electronic repository;

electronically receiving, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one electronic risk management model;

electronically notarizing, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one electronic NFT proxy package to at least one local electronic NFT blockchain electronic repository;

electronically notarizing and electronically collateralizing, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one electronic NFT proxy package to at least one electronic restricted access public electronic NFT blockchain electronic repository;

electronically binding the electronic Dynamic Discounting (DD) NFT to the electronic NFT, ensuring an electronically secure and electronically unbreakable electronic digital linkage;

electronically notifying, by the at least one electronic computer processor of the at least one electronic SHFP device,;

electronically verifying, by the at least one electronic computer processor of the at least one electronic SHFP device, the electronic NFT to the at least one local electronic NFT blockchain electronic repository; or

electronically responding, by the at least one electronic computer processor of the at least one electronic SHFP device, to the at least one electronic early payment financing request to the electronic supplier party device; and

electronically providing an electronic dynamic discounting (DD) rights electronic non- fungible token (NFT), comprising:

electronically enabling electronically acquiring or electronically trading of electronic data indicative of rights to electronically participate in electronic dynamic discounting; and

electronically enabling making electronic independent early payment arrangement with an electronic supplier party device that do not directly involve an electronic buyer party device.

12 . The computer program product according to claim 11 , wherein the method comprises wherein said electronically notifying, by the at least one electronic computer processor of the at least one electronic SHFP device, of the at least one electronic early payment network, comprises wherein the at least one electronic early payment network in turn electronically proceeds to electronically notify at least one or more of:

at least one electronic fintech finance market device;

at least one electronic value chain finance exchange device;

at least one electronic DeFi Market device; or

at least one electronic buyer party device.

13 . The computer program product according to claim 11 , wherein the method comprises wherein said electronically processing, by the at least one electronic computer processor of the at least one electronic SHFP device, the at least one electronic request by the electronically performing said plurality of electronic processing instructions comprises:

electronically accessing, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one electronic asset, electronic non-fungible token (NFT) electronic repository;

electronically receiving, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one electronic risk management model;

electronically notarizing, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one electronic NFT proxy package to at least one local electronic NFT blockchain electronic repository;

electronically notarizing and electronically collateralizing, by the at least one electronic computer processor of the at least one electronic SHFP device, at least one electronic NFT proxy package to at least one electronic restricted access public electronic NFT blockchain electronic repository;

electronically binding the electronic Dynamic Discounting (DD) NFT to the electronic NFT, electronically ensuring an electronically secure and electronically unbreakable electronic digital linkage;

electronically notifying, by the at least one electronic computer processor of the at least one electronic SHFP device:

at least one electronic early payment network, wherein the at least one electronic early payment network in turn electronically proceeds to electronically notify:

at least one electronic fintech finance market device;

at least one electronic value chain finance exchange device;

at least one electronic DeFi Market device; and

at least one electronic buyer party device;

electronically verifying, by the at least one electronic computer processor of the at least one electronic SHFP device, the electronic NFT to the at least one local electronic NFT blockchain electronic repository; and

electronically responding, by the at least one electronic computer processor of the at least one electronic SHFP device, to the at least one electronic early payment financing request to the electronic supplier party device.

14 . The computer program product according to claim 11 , wherein the electronic method comprises wherein an electronic party in the electronic role of an electronic borrower of electronic funds to electronically request of electronic funds by electronically presenting electronic digital collateral in the form of an electronic NFT, an electronic supply chain digital electronic track and electronic trace electronic artifact, and for other electronic Parties devices, in the electronic role of an electronic financer or an electronic lender, to electronically verify the electronic digital collateral to electronically process the electronic request of electronic funds and electronically provide electronic bids to the electronic borrower device for electronic bid acceptance by the electronic borrower device with an electronic digital agreement for electronic funds transfer, the electronic method further comprises:

electronically registering the electronic financer device and the electronic lender device;

electronically providing electronically secured access to electronic borrower device opportunities;

electronically verifying electronic digital collateral using at least one electronic blockchain electronic transaction;

electronically securing the electronic digital collateral;

electronically ensuring the electronic digital collateral is authentic electronically through at least one or more of:

electronically authenticating at least one electronic digital signature; or

electronically authenticating by electronic using electronic blockchain electronic storage;

electronically processing electronic agreements for electronic funds between the electronic financer device and the electronic borrower device;

electronically transferring electronic funds and electronic cryptocurrency funds from the electronic financer device to the electronic borrower device;

electronically assessing electronic data indicative of electronic fees and electronic interest;

electronically processing electronic data indicative of electronic payments from the electronic borrowers devices for electronic loan agreements;

electronically providing several types of electronic agreements with electronic data indicative of terms that the electronic borrower device may electronically select an electronic selection choice to electronically accept that electronically involve electronic financial mechanisms comprising at least one or more of:

electronic forward and electronic reverse factoring (RF);

electronic dynamic discounting (DD); or electronic loan terms; and

electronically providing an electronic dynamic discounting (DD) rights electronic non-fungible token (NFT), comprising:

electronically enabling electronically acquiring or electronically trading of rights to electronically participate in electronic dynamic discounting; and

electronically enabling electronically making independent electronic early payment arrangement with an electronic supplier party device that do not directly involve an electronic buyer party device.

15 . A computer implemented method for an electronic party device in the electronic role of an electronic borrower device of electronic funds to electronically request electronic funds by electronically presenting electronic digital collateral in the form of an electronic NFT, an electronic supply chain electronic digital track and electronic trace electronic artifact, and for other electronic Parties devices, in the electronic role of an electronic financer device or an electronic lender device, to electronically verify the electronic digital collateral to electronically process the electronic request of electronic funds and electronically provide electronic bids to the electronic borrower device for electronic bid acceptance by the electronic borrower device with a electronic digital agreement for electronic funds transfer, the electronic method comprising:

electronically registering the electronic financer device and the electronic lender device;

electronically providing electronic secured access to electronic borrower device electronic opportunities;

electronically verifying electronic digital collateral using at least one electronic blockchain electronic transaction;

electronically securing the electronic digital collateral; and

electronically ensuring the electronic digital collateral is electronically authentic through at least one or more of:

electronically authenticating at least one electronic digital signature; or

electronically authenticating by electronically using blockchain storage; and

electronically providing an electronic dynamic discounting (DD) rights electronic non-fungible token (NFT), comprising:

electronically enabling electronically acquiring or electronically trading of electronic data indicative of rights to electronically participate in electronic dynamic discounting; and

electronically enabling making electronic independent early payment arrangement with an electronic supplier party device that do not directly involve an electronic buyer party device.

16 . The method according to claim 15 , further comprising:

electronically processing electronic agreements for electronic funds between the electronic financer device and the electronic borrower device;

electronically transferring electronic and cryptocurrency funds from the financer to the borrower;

electronically assessing electronic data indicative of electronic fees and electronic interest; and

electronically processing electronic payments from the electronic borrowers devices for electronic loan agreements.

17 . The method according to claim 15 , further comprising:

electronically providing several types of electronic agreements with electronic terms that the electronic borrower device may electronically select an electronic choice selection to electronically accept that involve electronic financial mechanisms comprising at least one or more of:

electronic forward and reverse factoring (RF);

electronic dynamic discounting (DD); or

electronic loan terms.

Assignments (2)

Continuity (2)

References Cited (37)