Victoria A Graham

US Patent:

20150046241, Feb 12, 2015

Filed:

Apr 3, 2014

Appl. No.:

14/244488

Inventors:

- San Francisco CA, US
Susan French - Foster City CA, US
Victoria Graham - Centennial CO, US
Amit Bhargava - San Jose CA, US
Shipra Jha - Fremont CA, US
Nancy Kim - San Francisco CA, US

Assignee:

VISA INTERNATIONAL SERVICE ASSOCIATION - San Francisco CA

International Classification:

G06Q 30/02

US Classification:

705 1418, 705 1429, 705 1417

Abstract:

The UNIVERSAL VALUE EXCHANGE MULTIPOINT TRANSACTIONS APPARATUSES, METHODS AND SYSTEMS (“UVEMT”) transform cross-ecosystem currency exchange instructions via UVEMT components into cross-ecosystem currency exchanges. In one embodiment, the UVEMT may obtain a cross-ecosystem currency exchange instruction and determine one or more sources and destinations based on parsing the cross-ecosystem currency exchange instruction. The UVEMT may identify currency types associated with the sources and the destinations and determine exchange rates of the currency types relative to a standard currency. In one implementation, the UVEMT may obtain currency exchange restrictions and conditions associated with the sources and the destinations and generate a currency exchange flow path for currency transfer from the sources to the destinations. The UVEMT may also issue currency transfer requests to the sources and the destinations, determine that the cross-ecosystem currency exchange has been completed and provide a notification of completion of the cross-ecosystem currency exchange.