- 专利标题: Decentralized computer systems and methods for using a debit network as an intermediary between distributed ledgers
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申请号: US17955879申请日: 2022-09-29
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公开(公告)号: US11978084B2公开(公告)日: 2024-05-07
- 发明人: Chandra Olson
- 申请人: Worldpay, LLC
- 申请人地址: US OH Symmes Township
- 专利权人: Worldpay, LLC
- 当前专利权人: Worldpay, LLC
- 当前专利权人地址: US OH Symmes Township
- 代理机构: Bookoff McAndrews, PLLC
- 主分类号: G06Q30/00
- IPC分类号: G06Q30/00 ; G06Q20/26 ; G06Q20/38 ; G06Q30/0226
摘要:
Decentralized computer systems and methods are disclosed for using a debit network as an intermediary between distributed ledgers. One method includes: receiving, at a first blockchain network from a merchant, transaction information comprising a consumer identification, an issuer identification from a payment vehicle presented for a transaction, and a transaction amount in resources of a first type, wherein the merchant and/or its acquirer are participants of the first blockchain network but the consumer and/or issuer are not participants of the first blockchain network; sending the transaction information to a debit network; identifying, using the debit network, a second blockchain network having the consumer and/or the issuer as participants, using the received consumer identification or issuer identification; and if participants of the second blockchain network accept the transaction, generating a new immutable entry to the second blockchain network indicating a change in the resources of a second type.
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