SYSTEM AND METHOD FOR DIGITAL UNIT MANAGEMENT WITH AUTOMATED SUB-ACCOUNT ALLOCATION

Abstract

A computer-implemented method and system for managing digital coin transfers with automated sub-account allocation. The system maintains wallet records for user accounts, each including a digital wallet partitioned into sub-accounts comprising a spend sub-account for immediate redemption, a save sub-account with threshold-based access restrictions, a share sub-account for inter-account transfers, and a penalty sub-account with redemption restrictions. Upon receiving a service assignment and associated digital coins from a first user, the system transmits the assignment to a second user. The system receives completion notification from the second user and confirmation from the first user, then transfers the digital coins between wallets. The transferred coins are automatically allocated among the sub-accounts according to stored policy rules specifying allocation percentages. The system records transfers in a digital ledger and enforces distinct expenditure rules for each sub-account type.

CPC Classifications