- 专利标题: TECHNIQUES FOR CONDUCTING TRANSACTIONS UTILIZING CRYPTOCURRENCY
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申请号: US15870574申请日: 2018-01-12
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公开(公告)号: US20190220856A1公开(公告)日: 2019-07-18
- 发明人: Xi Li , Wen Zhao Cheng , Jun Ryan Menorca Tagama , Satrajit Ray , Gabriel Jin Juan Ang , Lavanya Rengarajan
- 申请人: Xi Li , Wen Zhao Cheng , Jun Ryan Menorca Tagama , Satrajit Ray , Gabriel Jin Juan Ang , Lavanya Rengarajan
- 主分类号: G06Q20/38
- IPC分类号: G06Q20/38 ; G06Q20/40 ; G06Q20/06
摘要:
Embodiments of the invention are directed to systems and methods for conducting a transaction utilizing a cryptocurrency. The user may fund a cryptocurrency account with his pre-existing cryptocurrency. An issuer may purchase cryptocurrency within a cryptocurrency exchange. The user may then utilize a payment device (e.g., a Crypto Debit Card) that is associated with a cryptocurrency balance to conduct a transaction with a merchant for goods and/or services. An authorization request message may be transmitted to the authorizing entity computer. The authorizing entity computer may determine a cryptocurrency amount corresponding to the fiat currency transaction amount of the authorization request message. A sell request message may be transmitted to an exchange that facilitates the sale of the cryptocurrency amount. If the sale is successful, the authorizing entity computer may transmit an authorization response message indicating that the transaction is approved and the merchant may release the purchased goods and/or services.
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