Granted Patent B2

US 12,387,276 · App. 17/370,648 · Granted Aug 12, 2025

Inventors: Sebastian Serrano (Buenos Aires, AR); Luciana Marcela Gruszeczka (Buenos Aires, AR); Mugur Marculescu (Palo Alto, CA)

Assignee: RIPIO HOLDING

G06Q40/12G06Q20/102

Abstract

Claims (31)

1. A method comprising:

obtaining, at a temporary distributed ledger digital asset address of a payment processing subsystem, a distributed ledger digital asset from a distributed ledger digital asset network subsystem;

after the obtaining the distributed ledger digital asset, receiving payment, at the payment processing subsystem, from a remote subsystem associated with a particular customer, wherein the obtaining is before any currency associated with the particular customer is received by the payment processing subsystem; and

after the receiving the payment, sending at least a portion of the obtained distributed ledger digital asset from the temporary distributed ledger digital asset address of the payment processing subsystem to a merchant client subsystem based on the received payment.

2. The method of claim 1 , wherein the distributed ledger digital asset network subsystem is a centralized distributed ledger digital asset network subsystem.

3. The method of claim 1 , wherein the distributed ledger digital asset network subsystem is a decentralized distributed ledger digital asset network subsystem.

4. The method of claim 1 , wherein the remote subsystem is a customer client subsystem of the particular customer.

5. The method of claim 4 , wherein the distributed ledger digital asset network subsystem is a centralized distributed ledger digital asset network subsystem.

6. The method of claim 4 , wherein the distributed ledger digital asset network subsystem is a decentralized distributed ledger digital asset network subsystem.

7. The method of claim 1 , wherein the remote subsystem is a fiat money asset network subsystem acting on behalf of the particular customer.

8. The method of claim 7 , wherein the distributed ledger digital asset network subsystem is a centralized distributed ledger digital asset network subsystem.

9. The method of claim 7 , wherein the distributed ledger digital asset network subsystem is a decentralized distributed ledger digital asset network subsystem.

10. The method of claim 1 , wherein the value of the at least a portion of the distributed ledger digital asset is no more than the value of the received payment at the time of the receiving.

11. The method of claim 1 , wherein the value of the at least a portion of the distributed ledger digital asset is no more than the value of the received payment at the time of the sending.

12. The method of claim 1 , wherein the value of the at least a portion of the distributed ledger digital asset is less than the value of the received payment at the time of the receiving.

13. The method of claim 12 , further comprising, retaining at the payment processing subsystem the difference between the value of the at least a portion of the distributed ledger digital asset and the value of the received payment at the time of the receiving.

14. The method of claim 1 , wherein the value of the at least a portion of the distributed ledger digital asset is less than the value of the received payment at the time of the sending.

15. The method of claim 14 , further comprising, retaining at the payment processing subsystem the difference between the value of the at least a portion of the distributed ledger digital asset and the value of the received payment at the time of the sending.

16. The method of claim 1 , wherein the sending comprises sending the at least a portion of the distributed ledger digital asset and an identification of the source of the received payment from the payment processing subsystem to the merchant client subsystem based on the received payment.

17. A payment processor subsystem comprising:

a communications component; and

a processor operative to:

purchase, by the payment processor subsystem, via the communications component, a distributed ledger digital asset from a first subsystem for a wallet of the payment processor subsystem;

after the distributed ledger digital asset is purchased, receive, at the payment processor subsystem, via the communications component, payment from a second subsystem of a particular customer, wherein the processor is operative to purchase the distributed ledger digital asset before any transaction by the payment processor subsystem with the particular customer; and

after the payment is received, send, via the communications component, at least a portion of the purchased distributed ledger digital asset from the wallet of the payment processor subsystem to a third subsystem based on the payment.

18. The payment processor subsystem of claim 17 , wherein the processor is further operative to send, via the communications component, along with the at least a portion of the distributed ledger digital asset, an identification of the second subsystem of the particular customer to the third subsystem.

19. A non-transitory computer-readable medium comprising computer-readable instructions recorded thereon for:

acquiring, at a distributed ledger digital asset address of a payment processing subsystem, a distributed ledger digital asset from a distributed ledger digital asset network subsystem;

after acquiring the distributed ledger digital asset, receiving payment, at the payment processing subsystem, from a remote subsystem for a particular transaction associated with a particular customer, wherein the acquiring is prior to obtaining, at the payment processing subsystem, any currency associated with the particular customer; and

sending at least a portion of the acquired distributed ledger digital asset from the distributed ledger digital asset address of the payment processing subsystem to a merchant client subsystem based on the received payment.

20. The method of claim 1 , wherein the merchant client subsystem is remote from the payment processing subsystem.

Assignments (1)

Continuity (4)

References Cited (111)