Fecha de publicación: 04/08/2022 Fuente: Wipo "digitalization" A method includes initiating, by a user computing device, a digital asset-based payment to a merchant computing entity and sending, by the user computing device, user computing device real-time payment information to a digital asset payment computing entity. The method further includes locking, by the digital asset payment computing entity, an amount of network digital assets, generating a user authorization scannable code, and sending the user authorization scannable code to the user computing device. The method further includes providing, by the user computing device, the user authorization scannable code to the merchant computing entity. When the merchant computing entity scans the user authorization scannable code, the method further includes sending, by the merchant computing entity, merchant computing entity real-time payment information to the digital asset payment computing entity, and providing, by the digital asset payment computing entity, a confirmation to the merchant computing entity.