In one embodiment, a method includes receiving a request for payment associated with a transaction between a first user and a second user, where the request specifies a payment amount in a fiat currency and identifying an indication that the first user intends to satisfy the request for payment using a non-fiat instrument. The method also includes initiating a first transfer of a value corresponding to the payment amount in the non-fiat instrument from a first balance of the first user to one or more service balances of a payment service and initiating a second transfer of a value corresponding to the payment amount in the fiat currency from the one or more service balances of the payment service to a second balance of the second user.

Claims

18 · 2 independent · depth 3

18 granted claims

›1.independentA method of settling a transaction, comprising: receiving, by a payment service, a request for payment associated with the transaction between a first…+10

›2.↳ 1The method of claim 1 , wherein the identifying the indication that the first user intends to satisfy the request for payment using a cryptocurrency c…d2+1

›4.↳ 1The method of claim 1 , wherein the identifying the indication that the first user intends to satisfy the request for payment using a cryptocurrency c…d2+1

›6.↳ 1The method of claim 1 , wherein the first user has multiple payment accounts with the payment service, each of the payment accounts being associated w…d2

›7.↳ 1The method of claim 1 , wherein the initiating a first transfer of a value corresponding to the payment account in the cryptocurrency from a first bal…d2

›8.↳ 1The method of claim 1 , wherein the first balance is associated with a third-party cryptocurrency wallet owned by the first user, and wherein the init…d2+1

›10.↳ 1The method of claim 1 , wherein the request for payment comprises: a first identifier corresponding to the first user; and a second identifier corresp…d2+1

›12.independentA method of settling a transaction, comprising: receiving, by a payment service, a request for payment associated with the transaction between a first…+6

›13.↳ 12The method of claim 12 , wherein the identifying the indication that the first user intends to satisfy the request for payment using the fiat currency…d2+1

›15.↳ 12The method of claim 12 , wherein the initiating a second transfer of a value corresponding to the payment account in the cryptocurrency from the one o…d2

›16.↳ 12The method of claim 12 , wherein the second balance is associated with a third-party cryptocurrency wallet owned by the second user, and wherein initi…d2

›17.↳ 12The method of claim 12 , wherein the request for payment comprises: a first identifier corresponding to the first user; and a second identifier corres…d2+1

Classifications

5 codes

IPC · International Patent Classification

Section G — Physics

G06Q20/06
G06Q20/36
G06Q20/20
G06Q40/00
G06Q20/40

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Pendency

0.9 y

326 days filing → grant

Office actions

non-final + final

Responses

1 RCE

Examiner

Lalita M Hamilton

art unit 3691 · TC 3600

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Citations: 47 back · 0 forward

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Priority chain

2 priority documents

Priority

26 Jul 2017

earliest claimed

›Priority documents — 2

Type	Document	Date
provisional	US 62537395	26 Jul 2017
related publication	US 20190034889 A1	31 Jan 2019

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