FIELD: computer technology.
SUBSTANCE: invention relates to the field of computer technology for personal identification and verification. The invention also makes it possible to include additional modules to monitor all transactions and identify those potentially related to illegal activities, as well as to include criteria defined by the central governing body or CBEM users to regulate or restrict transactions. As a result, the present invention provides a practical solution to the problems associated with "know your customer", combating money laundering and cryptocurrency theft while maintaining user privacy. Moreover, the present invention can be adopted or modified by central banks or other financial institutions to issue their own digital currencies, which are regulated by a central governing body and supported by a distributed ledger payment system.
EFFECT: increased security of transaction execution.
10 cl, 4 dwg
