SYSTEM OF DECENTRALIZED DIGITAL SETTLEMENT SERVICE Russian patent published in 2019 - IPC G06Q30/00 

FIELD: information technology.

SUBSTANCE: invention relates to means for non-cash payment and non-cash transfers. System contains: i servers of banks, where i=1, 2, 3, …, N, distributed ledger – blockchain, customer portal and k customers’ mobile devices, the elements are interconnected via telecommunication means of communication, each bank server contains an automated banking system with a database in which customers’ profiles, customers’ accounts, transactions, items, closing accounts of digital payment units, accounts for bank linked settlements are stored and interaction platform with the blockchain, which consists of the access module of blockchain, which stores the public and private keys of the bank, the limits module and control module of customers’ accounts, the client portal contains access module to the blockchain, which stores the public and private keys of the portal, each customer’s mobile device contains installed digital wallet application in which the user's private and public keys are stored.

EFFECT: expanding the functionality of the system through the implementation of financial transactions directly between users’ accounts, without participation of bank systems and payment systems, online and the implementation of requirements for instant payment systems.

1 cl, 9 dwg