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1. WO2020140080 - SYSTEM AND METHOD FOR SETTLING A PAYMENT TRANSACTION USING MULTIPLE ELECTRONIC CURRENCIES

Publication Number WO/2020/140080
Publication Date 02.07.2020
International Application No. PCT/US2019/068814
International Filing Date 27.12.2019
IPC
G06Q 40/06 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
06Investment, e.g. financial instruments, portfolio management or fund management
G06Q 20/02 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
02involving a neutral third party, e.g. certification authority, notary or trusted third party
G06Q 20/38 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
G06Q 40/04 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
04Exchange, e.g. stocks, commodities, derivatives or currency exchange
CPC
G06Q 20/065
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
04Payment circuits
06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
065using e-cash
G06Q 20/20
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
20Point-of-sale [POS] network systems
G06Q 20/227
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
22Payment schemes or models
227characterised in that multiple accounts are available, e.g. to the payer
G06Q 20/3221
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
32using wireless devices
322Aspects of commerce using mobile devices [M-devices]
3221Access to banking information through M-devices
G06Q 20/367
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
36using electronic wallets or electronic money safes
367involving electronic purses or money safes
G06Q 20/381
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
381Currency conversion
Applicants
  • MULTICHAIN VENTURES, INC. [US]/[US]
Inventors
  • WAGNER, Michael
Agents
  • QUINN, Joseph P.
  • CHACLAS, George N.
  • COHEN, Jerry
  • COWLES, Christopher R.
  • EMMONS, Richard B.
  • FOLEY, Shawn P.
  • GOLDMAN, Gabriel
  • GOMES, David W.
  • JOBSE, Bruce D.
  • LOPEZ, Orlando
  • CLARKE, Daniel W.
  • MCGRATH, Daniel
  • MARAIA, Joseph M.
  • MOORE, Ronda P.
  • MILLS, Steven M.
  • SCHEPPER, Marlo M.
  • SERIO, John C.
  • SORKIN, Paul D.
  • SUSAN, Janine M.
Priority Data
62/785,32327.12.2018US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEM AND METHOD FOR SETTLING A PAYMENT TRANSACTION USING MULTIPLE ELECTRONIC CURRENCIES
(FR) SYSTÈME ET PROCÉDÉ POUR ÉTABLIR UNE TRANSACTION DE PAIEMENT À L’AIDE DE MULTIPLES MONNAIES ÉLECTRONIQUES
Abstract
(EN)
A system and method for converting electronic currencies may be implemented in a trade engine module on a mobile device. A merchant external wallet address is received from a merchant for assets of the merchant that have a respective value in an associated currency. The merchant can define allocation of payments to the merchant among the assets. Orders received from the merchant represent a transaction value in a fiat currency. The transaction value is divided into a plurality of allocations based on the allocation specified by the merchant. A conversion rate between the fiat currency and the currency of the asset associated with the allocation for each of the allocations is determined. Each of the allocations are converted from the fiat currency to the currency of the asset associated with the allocation based on the conversion rate.
(FR)
Un système et un procédé pour convertir des monnaies électroniques peuvent être mis en œuvre dans un module de moteur de commerce sur un dispositif mobile. Une adresse de portefeuille externe de commerçant est reçue d’un commerçant pour des biens du commerçant qui ont une valeur respective dans une monnaie associée. Le commerçant peut définir une attribution de paiements au commerçant parmi les biens. Des ordres reçus du commerçant représentent une valeur de transaction dans une monnaie fiduciaire. La valeur de transaction est divisée en une pluralité d’attributions sur la base de l’attribution spécifiée par le commerçant. Un taux de conversion entre la monnaie fiduciaire et la monnaie du bien associé à l’attribution pour chacune des attributions est déterminé. Chaque attribution est convertie de la monnaie fiduciaire en la monnaie du bien associé à l’attribution sur la base du taux de conversion.
Latest bibliographic data on file with the International Bureau