摘要
一位新闻记者兼机器人与机器学习每日新闻的新闻编辑根据NewsRx记者从华盛顿特区发回的新闻报道，由Inve Ntor SOMAYAJULA，Asha（密苏里州尤里卡）于2022年12月5日提交的专利申请于2024年6月6日在网上公布。本专利申请没有受让人。记者从发明人提供的背景信息中获得了以下引述：“当前的结算过程允许通过全球结算管理系统(GCMS)的结算过程来结算标准的信用卡交易。完成交易的过程通常涉及与发行者银行相连的客户支付卡的调整，”结算交易以协调收购方/商业银行和发行银行，以及结算流程将付款从发行银行发送给收购方/商业银行。结算使用客户在购买商品或服务时提供的相同标准货币类型。这种标准货币类型通常是法定货币，如美元、英镑、欧元当前的外汇结算流程使用客户提供的标准法定交易货币进行交易结算。发行人不能使用不同的法定货币或其他类型的货币(例如加密货币)完成结算。结算后，必须在现有系统中单独进行一个转换两种货币的过程。这在计算上是无效的，需要额外的计算资源，例如网络带宽、处理周期、和内存使用情况。
Abstract
By a News Reporter-Staff News Editor at Robotics & Machine Learning Daily News Daily News-According to news reporting originatin g from Washington, D.C., by NewsRx journalists, a patent application by the inve ntor SOMAYAJULA, Asha (Eureka, MO, US), filed on December 5, 2022, was made avai lable online on June 6, 2024. No assignee for this patent application has been made. Reporters obtained the following quote from the background information supplied by the inventors: "Current settlement processes allow for standard credit card p urchases to be settled through a clearing process via the global clearing manage ment system (GCMS). The process of completing a transaction typically involves a uthorization of the customer's payment card linked to an issuer bank, clearing o f the transaction to reconcile the acquirer/merchant bank and the issuer bank, a nd settlement process sending payment from the issuer bank to the acquirer/merch ant bank. The settlements are made using the same standard currency type present ed by the customer during purchase of the goods or services. This standard curre ncy type is typically a fiat currency, such as, dollars, pounds, euros, etc. The current exchange clearing process accommodates transaction settlements using th e standard fiat transaction currency presented by the customer. The issuer canno t complete settlement using a different fiat currency or other type of currency (e.g., cryptocurrency). After settlement, a separate process for converting betw een currencies must occur with existing systems. This is computationally ineffic ient, requiring additional computing resources such as network bandwidth, proces sing cycles, and memory usage."
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