TLMJ Acquires Core Patent for Ecosystem

TLMJ Co., Ltd. (Head Office: Higashiyama Ward, Kyoto City; Representative Director: Katsuyoshi Saito) has acquired a patent that forms the core technology of the ecosystem envisioned by our company. This patent is foundational technology related to the issuance, usage, and automatic refund of unused balances of time-limited digital money. It is the core technology supporting our "Hatto Pro" and "ech code" services, as well as the "Hatto Prime" and "bchari" services planned for future deployment. With this patent acquisition, our company will fully commence the deployment of a new payment ecosystem utilizing time-limited digital money.

| Patent Overview

The patent acquired this time relates to a system where an issuer issues time-limited digital money, and after its use by the consumer, any unused balance is automatically refunded to the issuer upon expiration.

This patent has reached the examination stage for the core technology that was conceived from the time of application.

*Note: This patent was applied for before the establishment of TLMJ, and procedures to change the rights holder's name to TLMJ Co., Ltd. are currently underway.

Business Roadmap

Based on this patent, our company is proceeding with the following service deployments:

Hatto Pro (Available)

Hatto Prime (In preparation for deployment)

bchari (Scheduled to be available in Autumn 2027)

For future service line expansion, we will utilize the functional and operational infrastructure built with the currently provided "Hatto Pro" as a common base, and the "payment-only app" used by consumers will also be commonly used across all services. Hatto Prime will selectively offer the main functions of Hatto Pro for single stores, optimized for a full self-serve UI. Furthermore, bchari is planned to incorporate business functions such as expense management for corporations, while following the issuance and management processes of Hatto Pro. By leveraging the common infrastructure and common app to enhance development efficiency, we will sequentially deploy service lines optimized for each usage scenario.

| Why This Patent is Essential for TLMJ's Growth Strategy Now

For example, if a company issues 30,000 yen for business travel expenses and the actual usage amounts to 28,000 yen, the unused 2,000 yen will be automatically refunded to the issuer upon expiration. This reduces the burden on employees for refund procedures and on accounting staff for collecting unused portions.

It also leads to a reduction in employee reimbursement procedures and aims to realize a system that can centrally manage the distribution, usage, and collection of expenses.

The essence of this patent lies in realizing "issuance," "usage," "expiration management," and "automatic refund" as an integrated system.

The concept of refunding unused balances itself may appear to be a common mechanism when viewed in isolation. However, its uniqueness lies in integrating these elements into the operational flow of time-limited digital money.

By applying this system to the corporate service "bchari," scheduled for release in Autumn 2027, companies can issue "Expense Pay" to employees and contractors. After employees use it as an expense, they can manage it by linking it with receipts, etc. Furthermore, balances not used within the expiration period are automatically refunded to the issuer, thereby improving the efficiency of expense settlement operations and enabling proper management of unused budgets.

Patent Structure and the Business Value of bchari

| Future Outlook

We consider this patent acquisition not as a goal, but as the starting line for the ecosystem we have envisioned.

Based on this patent, we will sequentially deploy services such as "Hatto Pro (including ech code)," "Hatto Prime," and "bchari," creating new application areas for time-limited digital money.

We are currently developing a subscription management system that can centrally manage each service line, and are building infrastructure to streamline sales management, contract management, and billing management for each service. In the future, we are also considering establishing a structure that allows each service line to be developed as an independent business.

Furthermore, the corporate service "bchari" will support integration with external payment networks (roaming) such as credit cards, and in the future, we plan to add payment functionality using companies' own digital money (proprietary Pay). This aims to achieve "hybrid payments" where external payment networks are used for expenses incurred outside the company, and proprietary Pay is used for payments within the company such as at the company cafeteria, shops, and welfare facilities, depending on the purpose.

TLMJ will continue to expand the possibilities of digital money utilization in corporations, municipalities, and local communities, and strive to create new value.

| Company Profile

Company Name: TLMJ Co., Ltd. Representative Director: Katsuyoshi Saito Location: Mino-ri Bldg. 406, 121 Tamakura-cho, Nakagyo Ward, Kyoto City, Kyoto Prefecture Established: October 2021 Business Activities: Development and operation of the echari platform, provision of subscription-based electronic payment solutions

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