Integration with payment creation and processing platforms for segmented payment allocation using cryptocurrencies

Abstract

Techniques are described for integrating a payment processing platform (PPP) and a payment making platform (PMP) for segmented payment allocation using cryptocurrency. The PPP can receive a request to receive funds in cryptocurrency, the funds being associated with a transaction made via point of sale (POS) software provided by the PPP. Based on the request, a cryptocurrency wallet account for a merchant can be accessed via the PMP. The PPP can associate a merchant account of the merchant with the cryptocurrency wallet account. The PPP can receive, via the POS software associated with the merchant, an authorization request for a payment associated with the transaction and cause (i) a first portion of the funds to be deposited in the cryptocurrency wallet account as cryptocurrency and (ii) a second portion of the funds to be deposited in the merchant account as fiat currency.

Description

[Technical field]

[0001] (CROSS REFERENCE TO RELATED APPLICATIONS) This application claims priority to U.S. Patent Application No. 17 / 218,866, filed March 31, 2021, and U.S. Patent Application No. 17 / 219,424, filed March 31, 2021, the entire contents of which are incorporated by reference herein.

[0002] Cryptocurrencies ("Crypto") are digital assets designed to function as a medium of exchange. In cryptocurrencies (e.g., Bitcoin, Ethereum (Ether), Litude Coin, etc.), individual ownership records may be stored in a distributed ledger that exists in the form of a computerized database. Such computerized databases may use strong encryption to protect transaction records and verify transfers of ownership. That is, cryptocurrencies may comprise virtual and / or digital currency that is secured by cryptography. To date, cryptocurrencies are used by people for investments, but they are not widely used as a means to make everyday payments.

[0003] Cryptocurrencies and other virtual and / or digital currencies have grown in popularity in recent years. Cryptocurrencies are not tied to any government, are decentralized, and allow for direct transactions while maintaining the trust and stability of fiat currencies (e.g., US Dollars, Euros, Rupees, etc.). Despite the popularity of cryptocurrencies to date, all cryptocurrencies face the same drawback of not being widely accepted due to various technical issues that have yet to be resolved. As a result, cryptocurrencies are not currently accepted by most retailers or online merchants. The lack of mass adoption of cryptocurrencies to date can be attributed to a number of different technical factors. For one, cryptocurrencies are known to be associated with long transaction times. There has been research and development attempting to speed up such transactions, but so far there have only been minor improvements to the extent that processing times remain impractically large. For example, it is not practical for a coffee shop to sell coffee in a transaction that takes several hours before the transaction is confirmed by recording the transaction on a blockchain. A further deterrent to the acceptance of cryptocurrencies by merchants is that cryptocurrencies are associated with anonymous identifying information. This characteristic of digital currency makes it susceptible to money laundering activities and increases the likelihood that merchants will transact with criminals. Thus, the security of transactions for merchants is currently low.

[0004] Furthermore, in existing systems cryptocurrency payments and traditional (e.g., fiat) payments are typically "siloed" or separated from one another. That is, if a customer pays in fiat currency, the merchant receives fiat currency; if a customer pays in cryptocurrency, the merchant receives cryptocurrency. The subsequent conversion from fiat to crypto (or vice versa) is typically cumbersome, inefficient, and must be done after the transaction is completed, typically using an entirely different system (e.g., associated with a crypto wallet or exchange) than the one that facilitated the initial payment transaction. Further problems arise from the fact that the computational power required to generate each block (corresponding to a transaction) for recording on existing blockchain systems is not trivial. When these small blocks are multiplied by the number of transactions processed by a particular merchant each day, the total computational costs can quickly become prohibitive. It would be advantageous to provide systems and methods that address one or more of these technical problems, either alone or in combination. [Brief description of the drawings]

[0005] The features of the present disclosure, its nature and various advantages will become more apparent from the consideration of the following detailed description, taken in conjunction with the accompanying drawings.

[0006] [Figure 1] FIG. 1 illustrates an example environment, including a peer-to-peer (P2P) payment platform and a payment processing platform, in which the techniques described herein may be implemented.

[0007] [Diagram 2] FIG. 2 illustrates additional details associated with the P2P payment platform of FIG. 1, as described herein.

[0008] [Diagram 3] FIG. 3 illustrates additional details associated with the payment processing platform of FIG. 1, as described herein.

[0009] [Figure 4] FIG. 4 illustrates an example data store associated with the environment of FIG. 1, as described herein.

[0010] [Diagram 5] FIG. 5 illustrates a swim lane diagram illustrating a process for segregating payment allocations to merchants using cryptocurrency as described herein.

[0011] [Figure 6] FIG. 6 illustrates a swim lane diagram illustrating another process for segregating payment allocations to merchants using cryptocurrency as described herein.

[0012] [Figure 7] FIG. 7 illustrates an example process for allocating portions of funds from a merchant transaction to different accounts of the merchant, where at least one account is a merchant cryptocurrency wallet account, as described herein.

[0013] [Figure 8] FIG. 8 illustrates another example process for allocating portions of funds from a merchant transaction to different accounts of the merchant, where at least one account is a merchant cryptocurrency wallet account, as described herein.

[0014] [Figure 9A] FIG. 9A illustrates one example of a graphical user interface for receiving merchant input associated with payment allocations as described herein.

[0015] [Figure 9B] FIG. 9B illustrates another example of a graphical user interface for receiving merchant input related to payment allocations as described herein.

[0016] [Figure 10]FIG. 10 illustrates an example graphical user interface for providing information for creating a cryptocurrency wallet account as described herein.

[0017] [Figure 11] FIG. 11 illustrates an example graphical user interface for presenting information related to a cryptocurrency wallet as described herein.

[0018] [Figure 12] FIG. 12 illustrates an example graphical user interface for presenting activity information associated with a user account as described herein.

[0019] [Figure 13] FIG. 13 illustrates an exemplary graphical user interface for allowing a user to view one or more transactions associated with the activity information entry of FIG. 12, as described herein.

[0020] [Figure 14] FIG. 14 illustrates an example graphical user interface for presenting activity information associated with a user's cryptocurrency wallet account as described herein.

[0021] [Figure 15] FIG. 15 illustrates an example graphical user interface for setting parameters associated with a user's cryptocurrency wallet account, as described herein.

[0022] [Figure 16A] FIG. 16A illustrates an exemplary graphical user interface for presenting a notification of completion of a transaction and / or a summary of payment allocations associated with a transaction, as described herein.

[0023] [Figure 16B] FIG. 16B illustrates an exemplary graphical user interface for presenting notification of completion of a batch of transactions and / or a summary of payment allocations associated with a batch of transactions, as described herein.

[0024] [Figure 17] FIG. 17 illustrates an example graphical user interface for enabling a merchant to provide instructions to convert fiat currency funds held for conversion to cryptocurrency at a time other than a default time, as described herein.

[0025] [Figure 18] FIG. 18 illustrates an example environment for performing the techniques described herein.

[0026] [Figure 19] FIG. 19 provides additional details related to the example environment of FIG. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0027] In order to facilitate segmented payment allocation using cryptocurrencies, integration of a payment processing platform with a payment making platform (e.g., a peer-to-peer (P2P) payment platform) is described. In one example, the payment processing platform can transact in one or more currencies, including fiat currencies (e.g., US Dollars, Euros, Rupees, etc.) and non-fiat currencies. The non-fiat currencies can include, but are not limited to, virtual and / or digital currencies, such as cryptocurrencies (e.g., Bitcoin, Ethereum (Ether), Litecoin, etc.), commercial paper (e.g., loans, contracts, forms, etc.), securities (e.g., stocks, bonds, derivatives, etc.), etc. In at least one example, the payment processing platform can facilitate real-time (or substantially real-time) transactions between users, which can include customers and merchants. In at least one example, customers can pay for transactions using one or more currencies of their choice. In at least one example, a merchant can accept payments via one or more currencies, but can receive all or a portion of funds associated with a payment in one or more different currencies. For example, a merchant may receive a payment in a fiat currency, but the techniques described herein may ensure that funds associated with such payment are automatically allocated between a merchant account associated with the fiat currency and a merchant account associated with a cryptocurrency (e.g., the merchant's cryptocurrency wallet account). That is, the techniques described herein may enable a merchant to receive funds associated with a payment in one or more currencies and, based at least in part on an integration between the P2P payment platform and the payment processing platform, have at least some of the funds allocated to the merchant's cryptocurrency wallet.

[0028] This functionality addresses a technical problem of existing cryptocurrency payment platforms, whereby a payment in fiat currency requires the recipient to receive the fiat currency in a fiat bank account, which must then be converted to cryptocurrency through an entirely separate process and system. For example, a conventional mechanism may involve a fiat transaction, resulting in the merchant receiving the fiat currency in a fiat bank account. The merchant then uses a cryptocurrency exchange or the like to convert some or all of the received fiat currency into cryptocurrency. There is no link between the fiat transaction and the fiat-to-cryptocurrency conversion, and these processes are performed by completely unrelated entities and may be considered two completely different processes. The disclosed mechanism addresses this disconnect and provides a mechanism whereby both the fiat transaction and the fiat-to-cryptocurrency conversion may occur while being overseen by the same, single procedure, and the same payment processing architecture and system. The disclosed payment architecture is therefore more versatile, as it allows merchants to more easily transact in a variety of fiat and cryptocurrencies. The disclosed payment architecture is also more efficient since a single payment architecture can perform both the transaction and currency conversion procedures. This is in contrast to existing payment architectures where these processes are performed by completely separate systems. Reducing the number of entities involved in the overall transaction procedure inherently makes the system more efficient. For example, a cryptocurrency exchange does not need to interact with a fiat bank account to perform the conversion of funds stored in that fiat bank account. This entire process is already handled at the time of the transaction in the disclosed architecture by collaboration between the payment processing and the P2P platform. Finally, these improvements to the conventional mechanisms for interaction between fiat and cryptocurrencies have the potential to make cryptocurrencies more viable as a currency of commerce for retail traders.

[0029] In at least one example, a payment making platform, such as a P2P payment platform, may enable users to transfer funds to one another using a mobile payment application. In at least one example, the P2P payment platform may enable users to perform such transfers in one or more currencies, including fiat and non-fiat currencies, as described above. In at least one example, the P2P payment platform may be configured to store a private blockchain or interact with one or more cryptocurrency networks associated with one or more public blockchains. Thus, the P2P payment platform may be associated with one or more cryptocurrency wallets (or "cryptocurrency wallet accounts") that may be associated with the P2P payment platform and / or one or more users. That is, in at least one example, the P2P payment platform may store funds associated with a cryptocurrency wallet account that may be accessible and / or usable by one or more users associated with the P2P payment platform.

[0030] In some examples, when a merchant selects to receive funds associated with a transaction processed using the payment processing platform as a cryptocurrency, the payment processing platform may exchange communications with the P2P payment platform to deposit or otherwise associate at least a portion of the funds with the merchant's cryptocurrency wallet. In at least one example, to facilitate such deposit or other association, the payment processing platform and the P2P payment platform may utilize one or more application programming interfaces (APIs) and / or software development kits (SDKs). In at least one example, the payment processing platform may obtain account information associated with the merchant's cryptocurrency wallet account from the P2P platform. Upon receiving the account information, the payment processing platform may associate the account information with the merchant's merchant account. Thus, the cryptocurrency wallet account may be associated with the merchant account. When a merchant engages in one or more transactions with one or more customers, at least a portion of the funds generated from such transactions may be deposited or otherwise associated with the merchant's cryptocurrency wallet account even if the original transaction funds were not transacted in the cryptocurrency in question. For example, the funds may be initially received in fiat currency. In some examples, the payment processing platform may convert a portion of funds to be deposited as cryptocurrency from fiat currency to cryptocurrency. In some examples, the P2P payment platform may convert a portion of funds to be deposited as cryptocurrency from fiat currency to cryptocurrency. In some examples, the cryptocurrency assets may be held by the merchant (i.e., in a cryptocurrency wallet account). In some examples, the cryptocurrency assets may be held by the P2P payment platform (e.g., in its own cryptocurrency wallet account) and assigned to the merchant via one or more ledgers maintained by the P2P payment platform or a third-party payment platform.

[0031] In some examples, the techniques described herein may convert a portion of each transaction into cryptocurrency and automatically deposit the portion into the merchant's cryptocurrency wallet account, thus occurring in near real-time or on a per-transaction basis. Thus, the conversion process occurs at the time of the transaction and may be considered simply another part of the same single transaction. This is in contrast to existing mechanisms where the conversion process forms a separate step that must occur after the transaction, using a different system than the system that facilitates the initial transaction. In some examples, the techniques described herein may reserve a portion of the transaction for conversion into cryptocurrency and convert a portion of the transaction into cryptocurrency at a time after the transaction has occurred. In some examples, the period between the transaction and the conversion may depend on the conversion rate and / or trends, events, rules, and / or the like. In some examples, the techniques described herein may reserve a portion of funds from a batch of transactions (e.g., multiple transactions) and convert a portion of funds from the batch of transactions into cryptocurrency at the same time. That is, in such examples, such conversion and deposit may be performed on a per-batch basis. In at least one example, batches of transactions may be grouped based on time periods, dates, events, rules, conversion rates, and / or trends, and / or the like.

[0032] As discussed above, while cryptocurrencies and other virtual and / or digital currencies have gained popularity in recent years, cryptocurrencies have yet to be widely accepted. Currently, cryptocurrencies are not accepted by most retail merchants, or most online merchants, due to a number of different factors. For one, cryptocurrencies are known to be associated with long transaction times. Research and development has been conducted to try to speed up such transactions, but so far there have been only slight improvements to the extent that processing times remain impractically large. As discussed above, it is not practical for a coffee shop to sell a coffee in a transaction that takes several hours before the transaction is confirmed by recording the transaction on a blockchain. The techniques described herein leverage the integration of a P2P payment platform with a payment processing platform to facilitate transactions using cryptocurrencies without long processing times. In some examples, as described below, the P2P payment platform and / or payment processing platform can utilize a set of ledgers to allocate cryptocurrency funds within the platform separately from when the cryptocurrency is actually purchased and / or sold via one or more public blockchains associated with one or more cryptocurrency networks. As described below, the use of such ledgers and / or private blockchains allows for improved efficiency and therefore improvements over existing techniques.

[0033] An additional deterrent to merchants' acceptance of cryptocurrencies is that they are associated with anonymous identifying information. This characteristic of digital and / or virtual currencies makes them susceptible to money laundering activities and increases the likelihood that merchants will transact with criminals. Thus, the security of transactions for merchants is currently low. The techniques described herein allow merchants to transact with fiat currencies or other currencies that are more secure for such merchants, while still allowing the merchants to accumulate cryptocurrencies.

[0034] Additionally, cryptocurrency exchange rates with fiat currencies may fluctuate widely and immediate conversion may not be desirable at a particular time. The techniques described herein allow a merchant to transact using cryptocurrencies and delay cryptocurrency conversion processing when cryptocurrency exchange rates fluctuate. By utilizing a cryptocurrency wallet account of the P2P payment platform and / or one or more ledgers maintained by the P2P payment platform, cryptocurrency transactions can be batched and / or otherwise handled asynchronously with respect to when the transaction occurs at the point of sale. Thus, one example of the present invention allows a merchant to disassociate transactions from cryptocurrency conversion events such that the merchant can purposefully postpone the fiat-to-cryptocurrency conversion to a later time when the cryptocurrency exchange rate may potentially be more favorable to the merchant.

[0035] Furthermore, the techniques described herein relate to the integration of a payment processing platform with a P2P payment platform, i.e., two platforms that traditionally operate independently. In existing techniques, a P2P payment platform is functionally configured to facilitate P2P transactions. Such a platform is not configured for, and has no need for, integration with a payment processing platform. This is because, as discussed above, cryptocurrency and fiat currency transactions are siloed and completely independent in existing payment systems. For the same reason, in existing techniques, a payment processing platform is configured to aggregate payments and communicate with card payment networks, acquirers, issuers, and / or financial institutions to process merchant payments. Such a platform is not configured for, and has no need for, integration with a P2P payment platform. Thus, the techniques described herein, leveraging APIs and / or SDKs, integrate a P2P payment platform with a payment processing platform to overcome challenges related to the use of cryptocurrencies for retail and / or online transactions. In this manner, a more versatile payment architecture is provided, as the traditional barriers between cryptocurrency and fiat currency transactions are broken down. This also results in increased efficiency as there is no need for processes or systems to convert fiat currency received in a transaction to cryptocurrency or vice versa. Instead, this is done at the time of the transaction using the same payment architecture used for the initial transaction.

[0036] Additionally, the techniques described herein utilize fiat-to-cryptocurrency conversion such that a portion of funds generated from a transaction (e.g., in fiat currency) can be allocated to a merchant's cryptocurrency wallet account. In some instances, converting from fiat currency to cryptocurrency on a per-transaction basis can be computationally expensive, and in some instances, cost-prohibitive. For example, the computational power required to generate small blocks for recording on the blockchain is not insignificant. When these small blocks are multiplied with the number of transactions processed by a particular merchant, the total computational cost can quickly become very high. By batching transactions together and converting from fiat currency to cryptocurrency in such batches, the techniques described herein can enable significant savings in computational power and improved network efficiency. That is, by aggregating transactions and their associated data to generate blocks to be recorded on the blockchain, the techniques described herein can provide an improvement over existing techniques in which individual merchants are required to receive funds in fiat currency and undertake the process of converting and purchasing cryptocurrency individually. Thus, by batching transactions and using funds associated with such transactions to purchase cryptocurrency, fewer transactions need to be added to the blockchain. In this manner, the techniques described herein conserve computing resources and improve network efficiency, thus providing an improvement to existing blockchain technology.

[0037] Throughout this specification, references may be made to specific currencies, such as Bitcoin (BTC) or United States (US) dollars. Such references should be understood to be merely examples of currencies. For example, a reference to Bitcoin may be understood to be exchangeable for any cryptocurrency. A reference to the US dollar may be understood to be exchangeable for any fiat currency controlled by a central authority, such as a country (e.g., the United States, China, etc.) or a regional entity (e.g., the European Union).

[0038] 1 illustrates an example environment 100 in which the techniques described herein may be implemented. The example environment may include a server computing device associated with a P2P payment platform ("P2P server 102") that may communicate with a server computing device associated with a payment processing platform ("payment processing server 104") over a network 106.

[0039] In at least one example, a P2P payment platform may be a platform (e.g., computing devices and / or associated components thereof) that allows users to transfer funds to each other using their own funds via an online or mobile application. Although the described techniques are described in the context of P2P payments, the techniques described herein may be performed by any payment making platform (PMP) or payment making service (PMS). Additional details related to P2P payment platforms are described below.

[0040] In at least one example, a payment processing platform (PPP), which may also be referred to as a payment processing service (PPS), may be a platform (e.g., computing devices and / or components associated therewith) that can process payments for transactions between customers and merchants associated with the payment processing platform. Such merchants may offer items (e.g., goods, services, etc.) for sale or other acquisition means via a brick-and-mortar store, an online store, a combination of the foregoing, etc. In some examples, the payment processing platform may be an intermediary payment processing platform (or aggregator) such that the payment processing platform can receive requests to process payments for transactions from different merchants and can interact with payment services (e.g., acquirers, issuers, card payment networks, P2P platforms, cryptocurrency sources, etc.) to process the payments.

[0041] In some examples, the P2P payment platform and the payment processing platform may be associated with payment services associated with the same service provider (e.g., first-party integration). In some examples, the P2P payment platform may be associated with a different service provider and / or platform than the payment processing platform (i.e., third-party integration). Such third-party integration may be achieved via one or more APIs and / or SDKs. The techniques described herein are directed to integrating the P2P payment platform with a payment processing platform to facilitate compartmentalized payments (to merchants) using cryptocurrencies.

[0042] In at least one example, the P2P server 102 can include a P2P processing component 108 and a cryptocurrency management component 110. In at least one example, the P2P processing component 108 and / or the cryptocurrency management component 110 can be functional components executable by a processor associated with the P2P server 102. In some embodiments, the functional components can be executable by the processor and comprise instructions or programs that, when executed, implement operational logic for causing the P2P server 102 and / or the P2P payment platform to perform the actions and services described above.

[0043] In at least one example, the P2P processing component 108 can receive a request to transfer funds between users, which can be referred to as "peers" of the P2P payment platform. In at least one example, the request can include a first user identifier associated with the payee (i.e., a user requesting funds from another user) and a second user identifier associated with the payer (i.e., a user for whom funds are being requested by another user). In such an example, the P2P processing component 108 can cause a request for funds to be submitted on the payer's computing device, and based at least in part on receiving approval to transfer the requested funds, the P2P processing component 108 can transfer the funds from the payer's first account to the payee's second account. That is, in at least one example, a first user (e.g., a payee) can request payment from a second user (e.g., a payer), and the P2P processing component 108 can fulfill such request.

[0044] In additional or alternative examples, the request may include a first user identifier associated with the payer (i.e., a user sending funds to another user) and a second user identifier associated with the payee (i.e., a user receiving funds from another user). In such examples, the P2P processing component 108 may trigger a request to accept funds to be presented on the payee's computing device, and based at least in part on receiving approval to transfer the requested funds, the P2P processing component 108 may transfer the funds from the payer's first account to the payee's second account. That is, in at least one example, a first user (e.g., a payer) may send a payment to a second user (e.g., a payee), and the P2P processing component 108 may fulfill such a request.

[0045] In at least one example, funds exchanged by a user may be fiat or non-fiat currency (e.g., cryptocurrency, etc.). In at least one example, funds received from other users may be associated with the user's account in one or more stored balances or "wallet accounts" that may be managed and / or maintained by the P2P payment platform. In at least one example, each stored balance may be associated with a type of currency (e.g., cryptocurrency, fiat currency, securities, etc.). In some examples, each stored balance may be associated with a ledger (e.g., a cryptocurrency ledger, a fiat currency ledger, a securities ledger, etc.). Further details are provided below regarding how credits and debits are managed by the P2P payment platform. In general, however, funds received from other users may be added (e.g., credited) to one or more stored balances. In at least one example, funds sent to other users may be removed (e.g., debited) from one or more stored balances. As described herein, the ledger may be used to determine balances associated with such stored balances. In some examples, funds associated with the stored balance may be accessed via a linked debit card, P2P payments, payment transactions, deposits to the user's linked bank account, cryptocurrency purchases, securities purchases, etc.

[0046] In some examples, the P2P processing component 108 can track individual transactions between users and can allow the user to view the user's transaction history via an instance of a user interface associated with the P2P payment platform.

[0047] In at least one example, the cryptocurrency management component 110 can receive a request from the payment processing server 104 for account information associated with a user's cryptocurrency wallet account. In at least one example, the request can include an identifier (e.g., an alphanumeric identifier, etc.) associated with the user. The user can be a merchant to offer items for purchase or other acquisition and use the payment processing platform to process payments for transactions related to such items. In at least one example, the cryptocurrency management component 110 can determine whether the identifier is associated with the cryptocurrency wallet account (e.g., in a data store 112 associated therewith).

[0048] Based on a determination that the identifier is not associated with a cryptocurrency wallet account (e.g., the user has not selected to use cryptocurrency on the P2P payment platform and / or the cryptocurrency wallet account has not been generated), the cryptocurrency management component 110 can initiate a process to generate a new cryptocurrency wallet account and can transmit account information associated therewith to the payment processing server 104. In some examples, the cryptocurrency management component 110 can send a request for information to a mobile payment application associated with the P2P payment platform and / or a POS application associated with the payment processing platform. In at least one example, the mobile payment application and / or the POS application can present a user interface to prompt the merchant to input information for generating the cryptocurrency wallet account. In some examples, the user interface can present virtual and / or digital currency terms, requested information for identity verification, and / or the like. In response to receiving the requested information, the cryptocurrency management component 110 can generate a cryptocurrency wallet account for the merchant and can transmit account information associated therewith to the payment processing server 104.

[0049] Based on a determination that the identifier is associated with a cryptocurrency wallet account, the cryptocurrency management component 110 can transmit the associated account information to the payment processing server 104.

[0050] In at least one example, the cryptocurrency management component 110 can receive instructions from the payment processing server 104 to deposit funds associated with one or more transactions into a cryptocurrency wallet account. In some examples, the funds can be cryptocurrency funds. In some examples, the funds can be in another currency, such as fiat currency, such that the cryptocurrency management component 110 can convert the funds into cryptocurrency for deposit into a merchant's virtual currency wallet account. In at least one example, such a conversion can use an exchange rate to determine a number of cryptocurrency units equivalent to an amount of fiat currency, such units can be used to purchase cryptocurrency or allocate cryptocurrency to a merchant. Further details are provided below.

[0051] In at least one example, the P2P server 102 may include a data store 112 in which data may be stored, managed, and / or updated. In at least one example, the data store 112 may comprise at least asset storage, user accounts, and / or the like. In at least one example, a user account may be associated with user account data, as described above, and one or more ledgers associated with one or more stored balances. In at least one example, the data store 112 may be associated with one or more cryptocurrency wallet accounts. Further details are provided below.

[0052] In at least one example, the payment processing server 104 can include a payment processing component 114 and a cryptocurrency management component 116. In at least one example, the payment processing component 114 and the cryptocurrency management component 116 can be functional components executable by a processor associated with the payment processing server 104. In some implementations, the functional components can be executable by a processor and comprise instructions or programs that, when executed, implement operational logic for the payment processing server 104 and / or the payment processing platform to perform the operations and services described above.

[0053] In at least one example, the payment processing component 114 can process payments for a transaction on behalf of a merchant associated with the payment processing platform. In at least one example, the payment processing component 114 can receive transaction data related to a transaction between a merchant and a customer. In some examples, the payment processing component 114 can receive payment data related to a payment instrument and can process payment for the transaction based at least in part on the transaction data and the payment data. In some examples, the payment data can be associated with a debit or credit card, and the payment processing component 114 can exchange data associated with an acquirer, issuer, and / or card payment network to process payment for the transaction. In some examples, the payment processing component 114 can send a payment merchant request to the acquirer, issuer, and / or card payment network to determine whether the payment instrument is authorized for the transaction.

[0054] In at least one example, when a customer and a merchant participate in an electronic payment transaction, the transaction is processed by electronically transferring funds from a financial account associated with the customer to a financial account associated with the merchant. Thus, the payment processing component 114 can communicate with one or more computing devices of a card payment network over the network 106 to electronically conduct the financial transaction. In some examples, the payment processing component 114 can also communicate with one or more computing devices of one or more banks, processing / acquiring services, etc. over the network 106. For example, the payment processing component 114 can communicate with acquirers, issuers, financial institutions, and / or other service providers that maintain customer accounts for electronic payments.

[0055] An acquiring bank, or “acquirer,” may be a registered member of a card association (e.g., Visa®, MasterCard®) and may be part of a card payment network. When a customer uses a credit card, an issuing bank, or “issuer,” may issue a payment card to the customer and pay the acquiring bank for purchases made by the cardholder to whom the issuing bank issued such card. Thus, in some examples, a computing device of the acquiring bank may be included in the card payment network and may communicate with a computing device of the issuing bank to acquire payments. When a customer uses a debit card instead of a credit card, a computing device of the bank corresponding to the debit card may receive communications regarding transactions in which the customer is participating. In addition, there may be computing devices of other financial institutions involved in several types of transactions or alternative system architectures, and thus the above are only some examples for purposes of discussion. In at least one example, the acquirer, issuer, card payment network, other financial institutions, and / or service providers may be associated with the third-party server 118.

[0056] In some examples, payment data associated with a payment instrument provided for payment of an item associated with a transaction may be associated with a stored balance managed and / or maintained by the P2P payment platform. In such examples, the payment processing component 114 may exchange data with the P2P payment platform to process a payment for the transaction. For example, in some examples, the payment data may be associated with a cryptocurrency wallet account managed by the P2P payment platform. In such examples, the payment processing component 114 may exchange data with the P2P payment platform to process a payment for the transaction using the cryptocurrency wallet funds. In some examples, the payment data may be associated with a stored balance associated with a fiat currency (e.g., a fiat currency wallet account). In such examples, the payment processing component 114 may exchange data with the P2P payment platform to process a payment for the transaction using the fiat currency wallet funds.

[0057] In at least one example, funds received as payment for a transaction, or a portion thereof (e.g., less a processing fee, etc.), may be associated with a merchant's account (e.g., a "merchant account"), which may be associated with one or more stored balances that may be managed and / or maintained by the payment processing platform. In at least one example, each stored balance may be associated with a type of fund (e.g., cryptocurrency, fiat currency, securities, etc.), and in some examples, a ledger (e.g., a cryptocurrency ledger, a fiat currency ledger, a securities ledger, etc.). Further details are provided below regarding how credits and debits are managed by the payment processing platform. In general, however, funds received from the payment service, the P2P payment platform, and / or a third-party source may be added (e.g., credited) to a stored balance. In at least one example, funds withdrawn (e.g., via a deposit to the merchant's linked bank account, via a purchase using a linked debit card, etc.) may be removed (e.g., debited) from the stored balance. As described herein, the ledger may be used to determine a balance associated with such stored balances. In some examples, funds associated with the stored balance may be accessed via a linked debit card, deposit into a linked bank account of the merchant, etc.

[0058] In some examples, a merchant may choose to distribute funds received from a transaction processed by the payment processing platform to one or more accounts of the merchant. In some examples, a merchant may choose to deposit a portion of the funds associated with the transaction into a cryptocurrency account and a portion of the funds associated with the transaction as fiat currency into the merchant's account. In some examples, portions may be deposited into additional or alternative accounts of the merchant.

[0059] In at least one example, if the merchant selects to deposit a portion of funds associated with a transaction as cryptocurrency in a cryptocurrency wallet account, the payment processing component 114 can obtain account information associated with the merchant's cryptocurrency wallet account from the P2P server 102. The payment processing component 114 can determine an amount of funds associated with one or more transactions of the merchant to be deposited in the merchant's cryptocurrency wallet account. The payment processing component 114 can send instructions to deposit such funds in the merchant's cryptocurrency wallet account. In some examples, the cryptocurrency management component 116 can convert funds from a received currency into cryptocurrency. In such examples, the cryptocurrency management component 116 can convert funds into cryptocurrency units based at least in part on an exchange rate. In some examples, the cryptocurrency management component 116 can perform such conversion on a per transaction basis or per group basis (of transactions). In some examples, the payment processing component 114 can request the P2P payment platform to perform such conversion. In some examples, such instructions can be sent on a per transaction basis. In some examples, such instructions can be sent in connection with funds from multiple transactions (e.g., a batch). Further details are provided below.

[0060] Additional functionality associated with the payment processing component 114 and / or the cryptocurrency management component 116 is described below.

[0061] In at least one example, the payment processing server 104 may include a data store 120 that may store, manage, and / or update data. In at least one example, the data store 120 may comprise asset storage, user accounts, and / or the like. In at least one example, a user account may be associated with user account data and one or more ledgers associated with one or more stored balances, as described above. In some examples, the data store 120 may be associated with one or more cryptocurrency wallet accounts. Further details are provided below.

[0062] In at least one example, the P2P server 102 and / or the payment processing server 104 can exchange data with one or more third party servers 120. In some examples, the third party servers 118 can be associated with a card payment network, an acquirer, an issuer, and / or other financial institutions or service providers. In some examples, the third party servers 118 can be associated with a cryptocurrency network, as described below.

[0063] As shown in FIG. 1, the environment 100 can include one or more sources of funds from payment processing, represented by dashed line 122. Such funds can be received and / or accessed by the payment processing component 114 for deposit or other association with a merchant account for payments processed by the payment processing platform on behalf of an associated merchant. That is, in some examples, the payment processing platform can provide funds from its own account and / or a third-party service provider (e.g., a bank or other financial institution) can provide funds from its own account. Such funds can be received and / or accessed for deposit or other association with a user account, as described herein. Further details are provided below. Additionally, the environment 100 can include one or more sources of cryptocurrency, represented by dashed line 124. In some examples, cryptocurrency can be purchased (or sold) and recorded on a public blockchain associated with a third-party service provider (e.g., Bitcoin, Ether, Litecoin, etc.). In some examples, cryptocurrency can be purchased (or sold) and recorded on a private blockchain associated with a P2P payment platform. Such cryptocurrency may be received and / or accessed for deposit or other association with a user account as described herein.

[0064] In at least one example, the environment 100 can include one or more user computing devices 126. In some examples, the user computing devices 126 can be operable by one or more users 128. As described below, the user computing devices 126 can present a user interface to enable the users 128 to interact with the P2P payment platform and / or the payment processing platform. Such a user interface can be presented by an application, a web browser, and / or the like. Further details are provided below. Although three users 128 and three user computing devices 126 are shown in FIG. 1, the environment 100 can have any number of users 128 and / or user computing devices 126. In some examples, the users 128 can be payees and / or payers in a P2P payment, merchants, customers, and / or the like. Further details are provided below.

[0065] In at least one example, the techniques described herein may be facilitated via one or more APIs and / or SDKs. That is, in at least one example, the "integration" between the P2P payment platform and the payment processing platform may be facilitated in part by one or more APIs and / or SDKs. In at least one example, the APIs and / or SDKs may enable communication between the P2P payment platform and the payment processing platform. Such integration provides an improvement over existing techniques in which the P2P payment platform and the payment processing platform do not exchange data as described herein. Further details are provided below.

[0066] Additional details relating to the various devices and / or components described above with reference to the exemplary environment 100 are described below with reference to FIGS. 2-4, 18, and 19.

[0067] FIG. 2 illustrates additional details related to a P2P payment platform and associated environment 200. As described in FIG. 1, the P2P platform may include a P2P server 102, which may include a P2P processing component 108, a cryptocurrency management component 110, and a data store 112. In at least one example, the P2P payment platform may be associated with a mobile payment application 202, which may be associated with the P2P payment platform and provided by the P2P payment platform. In at least one example, a first user computing device (e.g., user A computing device 204) and a second user computing device (e.g., user B computing device 206) may each store an instance of the mobile payment application 202 thereon. The user computing devices 204 and 206 may comprise two of the user computing devices 126 of FIG. 1. 1, each of the users, User A 208 and User B 210, can interact with the P2P payment platform via a respective instance of a user interface presented via a respective instance of the mobile payment application 202. In at least one example, the P2P payment platform can communicate with the instance of the mobile payment application 202 (or other access point) to facilitate P2P transactions.

[0068] In some examples, an instance of the mobile payment application 202 may execute on (e.g., be executable by) a user computing device. In at least one example, the instance of the mobile payment application 202 may be an instance of a software application downloadable via an application store. In some examples, functionality associated with the mobile payment application 202 may be accessed via an instant application, or a portion of the mobile payment application 202, that may be downloaded to the user computing device to perform the functionality. Such functionality (i.e., of the instant application) may be less than the full functionality of the mobile payment application 202. As discussed above, the mobile payment application 202 may include an installed application, or a portion thereof, but in additional or alternative examples, the mobile payment application 202 may be an authenticated or unauthenticated application on a web browser. That is, in at least one example, an instance of the mobile payment application 202 may be accessible via a web browser. In some examples, once a user accesses or registers for the mobile payment application 202, the web browser may store associated credentials for subsequent customer visits (e.g., via web browser authentication, web cookies, web history, etc.) that allow the customer to access the mobile payment application 202 without logging into the customer's account.

[0069] In at least one example, an instance of the mobile payment application 202 may present one or more user interfaces, which may include one or more user interface elements, to enable a user associated therewith to send or receive funds from other users of the P2P payment platform. That is, in at least one example, User A 208 may send or receive funds from User B 210 via one or more interactions with a user interface presented via an instance of the mobile payment application 202 on the user A computing device 204. In at least one example, an instance of the mobile payment application 202 may present one or more user interfaces to enable a user associated therewith to create an account for managing assets, such as cryptocurrencies, securities, etc. In at least one example, an instance of the mobile payment application 202 may present one or more user interfaces to enable a user associated therewith to buy or sell assets, such as cryptocurrencies, securities, etc. One or more assets (e.g., fiat or non-fiat currencies) may be stored in association with the user's user account in the data store 112. Further details are provided below. Non-limiting examples of user interfaces 218, 220 that enable a user to manage one or more assets are shown in FIG.

[0070] In at least one example, the P2P server 102 can buy (or sell) cryptocurrency through interaction with one or more blockchains. In at least one example, the cryptocurrency network 212 can be associated with a public blockchain. Non-limiting examples of the cryptocurrency network 212 can include, for example, the Bitcoin network, the Ethernet network, the Litecoin network, and the like. A cryptocurrency network is generally associated with a network of parties that cryptographically verify, validate, and record transactions on a copy of a distributed ledger, commonly referred to as a blockchain. Once a transaction is verified, the cryptocurrency network 212 can approve the transaction by writing the transaction to the blockchain. The time it takes to complete such a process can be impractical for many applications. In some examples, the cryptocurrency network 212 can be associated with a third-party server 118. In some examples, the P2P server 102 can be associated with a private blockchain, as described below.

[0071] In at least one example, the P2P server 102 and / or the third party server 118 can send a request to purchase cryptocurrency (i.e., a “purchase order” 214) to the cryptocurrency network 212. In at least one example, in response to receiving the purchase order 214, the cryptocurrency network 212 can send the cryptocurrency (i.e., a “cryptocurrency” 216) to the requesting entity (e.g., the P2P server 102 and / or the third party server 118). In at least one example, the “purchase order” 214 can include an address to which the “cryptocurrency” 216 is associated. In at least one example, the received cryptocurrency can be associated with a cryptocurrency wallet account of a user or a P2P payment platform, as described below. In at least one example, the P2P server 102 and / or the third party server 118 can sell the cryptocurrency via one or more interactions with the cryptocurrency network 212.

[0072] 3 illustrates additional details related to a payment processing platform and associated environment 300. In at least one example, the environment 300 may include a payment processing server 104, which may include a payment processing component 114, a cryptocurrency management component 116, and a data store 120.

[0073] In at least one example, a payment processing platform may be associated with the POS application 302. An instance of the POS application 302 may be executable by a merchant's computing device ("merchant computing device" 304), which may be one of the user computing devices 126 of FIG. 1. In at least one example, an instance of the POS application 302 may operate on (e.g., be executable by) the merchant computing device 304. In at least one example, an instance of the POS application 302 may be an instance of a software application downloadable via an application store. In some examples, functionality associated with the POS application 302 may be accessed via the merchant computing device 304 via an instant application or a portion of the POS application 302 that may be downloaded to the merchant computing device 304 to perform the functionality. Such functionality (i.e., of the instant application) may be less than the complete functionality of the POS application 302. As discussed above, the POS application 302 may include an installed application, or a portion thereof, although in additional or alternative examples the POS application 302 may be an authenticated or unauthenticated application on a web browser. That is, in at least one example, an instance of the POS application 302 may be accessible via a web browser on the merchant computing device 304. In some examples, once a merchant accesses or registers for the POS application 302, the web browser may store associated credentials for subsequent merchant visits (e.g., via web browser authentication, web cookies, web history, etc.) that allow the merchant to access the POS application 302 without logging into the merchant's account.

[0074] In at least one example, the POS application 302 can configure the merchant computing device 304 as a POS terminal. In at least one example, the POS application 302 can generate transaction data related to one or more transactions between the merchant 306 and one or more customers 308. A transaction can include a financial transaction for the purchase or other acquisition of an item conducted between the merchant 306 and a customer of the customer 308. In at least one example, the customer 308 can provide cash or any other type of payment instrument (e.g., a debit card, a credit card, a stored value card, a check, an electronic payment application, cryptocurrency, etc.) to the merchant 306 along with a request for an item provided by the merchant 306.

[0075] In at least one example, the transaction data may include items purchased (or otherwise obtained) via the transaction, details associated with such items, item costs associated with the items, total cost of the items, an identifier for the merchant, an identifier for the merchant computing device 304, an identifier for the instance of the POS application 302, an identifier for the transaction, a location associated with the merchant computing device 304, a timestamp associated with the transaction, a date stamp associated with the transaction, etc. In some examples, the transaction data may include an identifier for the payment instrument, a customer's name or user account, customer contact information, the type of currency used in the transaction, etc.

[0076] In some examples, the merchant computing device 304 may be configured to interact with a payment reading device that may, for example, allow the POS application 302 to obtain payment data from a payment instrument (e.g., a debit card, a credit card, a near field communication (NFC) payment instrument, etc.). In some examples, payment data may be obtained by the POS application 302 through additional or alternative mechanisms (e.g., manual entry by the merchant 306, scanning of a code or other identifier associated with the payment instrument, receiving a unique identifier for the customer, etc.). The POS application 302 may transmit the transaction data and / or payment data to the payment processing server 104 to process payment for the transaction. In some examples, the transaction data and / or payment data may be transmitted to the payment processing server 104 in association with a request to authorize a payment instrument for payment of the transaction. In some examples, the transaction data and / or payment data may be transmitted as part of a batch and / or periodic process, rather than directly with a request to authorize a payment instrument.

[0077] In at least one example, the POS application 302 can cause one or more user interfaces, which can include one or more user interface elements, to be presented to enable the merchant 306 (and / or its associated agents / workers) to interact with the payment processing platform. In at least one example, the merchant 306 can interact with the user interface presented via the POS application 302 to accept payments from the customers 308. In some examples, the merchant 306 can interact with the user interface presented via the POS application 302 to manage other aspects of their business. In at least one example, the user interface 310 can present user interface elements that represent one or more accounts of the merchant 306. In at least one example, the merchant 306 can interact with the user interface 310 to specify one or more accounts into which funds generated from payments for transactions with the merchant 306 should be deposited. In at least one example, the merchant 306 can interact with the user interface 310 to indicate that a portion of the funds should be deposited into the cryptocurrency wallet account of the merchant 306. In some examples, the user interface 310 may include controls or other mechanisms to allow the merchant 306 to specify a percentage or other amount of funds to be deposited in the merchant's 306 cryptocurrency wallet account. As described below, in some examples, the payment processing server 104 may recommend the percentage or other amount to be deposited in the merchant's 306 cryptocurrency wallet account. In some examples, the merchant 308 may not specify the percentage or portion to withhold via the user interface 310, and in such examples the payment processing server 104 may determine the amount to deposit in the merchant's 306 cryptocurrency wallet account. Further details are provided below.

[0078] In some examples, based at least in part on the merchant 306 indicating that at least a portion of funds generated from the payment for the transaction are to be deposited in the merchant's 306 security currency wallet account, the payment processing component 114 may exchange data with the P2P server 102 and / or the third party server 118 to (i) facilitate the conversion of non-cryptocurrency funds (e.g., fiat currency, securities, etc.) and / or (ii) deposit cryptocurrency funds in the merchant's 306 security currency wallet account (which may be maintained, e.g., by the P2P payment platform or a third party platform). In some examples, the P2P server 102 and / or the third party server 118 may communicate with the cryptocurrency network 212 to buy and sell cryptocurrency. In some examples, the payment processing server 104 may additionally or alternatively communicate directly with the cryptocurrency network 212 (e.g., without going through the P2P server 102 and / or the third party server 118) to buy or sell cryptocurrency. Further details are provided below.

[0079] In some examples, the P2P payment platform and the payment processing platform may be integrated to perform various operations as described above. For example, in some instances, the POS application 302 may present a user interface to enable the merchant 306 to input information for creating a new cryptocurrency wallet account managed by the P2P payment platform. That is, while such a user interface and / or operations associated therewith are described above as being presented and / or facilitated by the mobile payment application 202 and / or the cryptocurrency management component 110, in some examples, such a user interface and / or operations may be presented and / or facilitated via integration between the POS application 302 and the cryptocurrency management component 110. In some examples, the user interface and / or operations described herein may be presented and / or facilitated by integration between the P2P payment platform and / or the payment processing platform and a third party platform (e.g., associated with the third party server 118).

[0080] 4 illustrates an example data store 400 associated with environment 100. In at least one example, at least a portion of data store 400 may be associated with data store 112. In at least one example, at least a portion of data store 400 may be associated with data store 120. In some examples, data store 400 may be centralized such that it is accessible to P2P server 102 and / or payment processing server 104.

[0081] In at least one example, the data store 400 can store digital assets in an asset store 402, as well as data in a user account 404, a merchant account 406, and / or a customer account 408. In at least one example, the asset store 402 can be used to store digital assets managed by a payment processing platform and / or a P2P payment platform. In at least one example, the asset store 402 can be used to record whether a person of a digital asset is registered to a user. For example, the asset store 402 can include a cryptocurrency wallet 410 for storing cryptocurrency (e.g., owned by the payment processing platform and / or the P2P payment platform) and communicating with the cryptocurrency network 212. In some examples, the cryptocurrency wallet 410 can communicate with the cryptocurrency network 212 via the cryptocurrency management components 110 and / or 116.

[0082] The cryptocurrency wallet 410 may be associated with one or more addresses and may change the address used to obtain cryptocurrency (e.g., from the cryptocurrency network 212) so that the holdings are represented under various addresses on the cryptocurrency network 212. In examples where the P2P payment platform and / or payment processing platform has its own cryptocurrency holdings (e.g., in a cryptocurrency wallet), the user may obtain cryptocurrency directly from the P2P payment platform and / or payment processing platform. In some examples, the P2P payment platform and / or payment processing platform may include logic to buy and sell cryptocurrency to maintain a desired level of cryptocurrency. In some examples, the desired level may be based on transaction volume over a period of time, a collective cryptocurrency ledger balance, an exchange rate, or trends in exchange rate changes such that cryptocurrency tends to gain or lose value relative to fiat currency. In all of these scenarios, the buying and selling of cryptocurrency, and therefore the associated updates to the public ledger of the cryptocurrency network 212, may be decoupled from any customer-merchant transactions and therefore are not necessarily time sensitive. This may allow batch transactions to reduce computational resources and / or costs.

[0083] The asset store 402 may include ledgers that store records of allocations of assets to users 128 of the P2P payment platform and / or payment processing platform. In particular, the asset store 402 may include a cryptocurrency ledger 412, a fiat currency ledger 414, and other ledgers 416 that may be used to record transfers of assets between users 128 of the platform, the platform (e.g., the P2P payment platform and / or the payment processing platform), and / or one or more third parties (e.g., a merchant network, a payment card network, an ACH network, an equity network, the cryptocurrency network 212, etc.). In doing so, the asset store 402 may maintain running balances of assets managed by the P2P payment platform and / or the payment processing platform. The ledgers of the asset store 402 may further indicate that a portion of the running balances for each of the ledgers stored in the asset store 402 has been allocated or registered to one or more user accounts 404.

[0084] In at least one example, the asset store 402 may include a transaction log 418, which may include a record of past transactions involving the P2P payment platform and / or the payment processing platform. In at least one example, transaction data may be stored in association with the transaction log 418, as described herein.

[0085] Although shown as a single asset store with a single instance of cryptocurrency wallet 410, cryptocurrency ledger 412, fiat currency ledger 414, other ledgers 416, and transaction log 418, in some examples a data store 112 associated with a P2P payment platform may be associated with an asset store and a first instance of cryptocurrency wallet 410, cryptocurrency ledger 412, fiat currency ledger 414, other ledgers 416, and transaction log 418, and a data store 120 associated with a payment processing platform may be associated with a second instance of cryptocurrency wallet 410, cryptocurrency ledger 412, fiat currency ledger 414, other ledgers 416, and transaction log 418. In some examples, some ledgers and / or accounts may be stored in data store 112 and other ledgers and / or accounts may be stored in data store 120. For example, at least the cryptocurrency ledger 412 and the user accounts 404 may be stored in the data store 112, and at least the fiat currency ledger 414, the merchant accounts 406, and the customer accounts may be stored in the data store 120. In some examples, the data store 112 may also store the fiat currency ledger 414. As mentioned above, the various ledgers and / or accounts described in FIG. 4 may be stored in the same or different data stores in the same or different groups.

[0086] In some examples, the data store 400 can store a private blockchain 419. The private blockchain 419 can function to record sender addresses, recipient addresses, public keys, values ​​of transferred cryptocurrency, and / or can be used to verify ownership of cryptocurrency tokens to be transferred. In some examples, the P2P payment platform and / or payment processing platform can record transactions occurring within the payment service involving cryptocurrency (e.g., within the P2P payment platform and / or payment processing platform) until the number of transactions exceeds a determined limit (e.g., number of transactions, storage allocation, etc.). Based at least in part on a determination that the limit has been reached, the P2P payment platform and / or payment processing platform can publish the transactions in the private blockchain 419 to a public blockchain (e.g., associated with the cryptocurrency network 212), and miners can verify the transactions and record the transactions in blocks on the public blockchain. In at least one example, the P2P payment platform and / or payment processing platform can participate as a miner at least for the transactions to be posted to the public blockchain.

[0087] In at least one example, data store 400 can store and / or manage accounts, such as user account 404, merchant account 406, and / or customer account 408. In at least one example, user account 404 can store records of user accounts associated with user 128. In at least one example, user account 404 can include user account 420, which can be associated with a user (of user 128). The other user accounts of user account 404 can be configured similarly to user account 420, according to some examples. In other examples, the other user accounts can include more or less data and / or account information than the data and / or account information provided by user account 420. In at least one example, user account 420 can include user account data 428, which can include data associated with a user identity (e.g., name, phone number, address, etc.), a user identifier (e.g., an alphanumeric identifier, etc.), user preferences (e.g., learned or user specified), purchase history data (e.g., identifying one or more items (and respective item information) purchased, linked payment sources (e.g., bank accounts, stored balances, etc.), payment instruments used to purchase one or more items, returns associated with one or more orders, and payments associated with one or more orders. These may include, but are not limited to, status (e.g., in preparation, in packing, in transit, in delivery, etc.), appointment data (e.g., previous appointment, next (scheduled) appointment, timing of appointment, length of appointment, etc.), payroll data (employer, pay frequency, pay amount, etc.), reservation data (e.g., previous appointments, next (scheduled) appointment, duration of appointment, interactions related to such appointments, etc.), inventory data, user service data, loyalty data (e.g., loyalty account number, rewards redeemed, rewards available, etc.), risk indicators (e.g., level of risk), etc.

[0088] In at least one example, user account data 428 can include account activity 430 and user wallet keys 432. Account activity 430 can include a transaction log for recording transactions related to user account 420. In some examples, user wallet keys 432 can include a public-private key pair and a respective address associated with cryptocurrency network 212 or other cryptocurrency network. In some examples, user wallet keys 432 can include one or more key pairs, which can be unique to cryptocurrency network 212 or other cryptocurrency network.

[0089] In addition to the user account data 428, the user account 420 may include ledgers of accounts managed by the P2P payment platform and / or the payment processing platform for the user. For example, the user account 420 may include a cryptocurrency ledger 434, a fiat currency ledger 436, and / or one or more other ledgers 438. In some examples, the other ledgers 438 may include a securities ledger, etc. The ledgers may indicate that the corresponding users utilize the P2P payment platform and / or the payment processing platform to manage the corresponding accounts (e.g., cryptocurrency accounts, fiat currency accounts, etc.). Note that in some examples, the ledgers may be logical ledgers and the data may be represented in a single database. In some examples, individual ledgers, or portions thereof, may be maintained by the P2P payment platform, the payment processing platform, or a combination of the P2P platform and the payment processing platform.

[0090] In some embodiments, the cryptocurrency ledger 434 may store the balance of each of one or more cryptocurrencies (e.g., Bitcoin, Ethereum, Litecoin, etc.) registered to the user account 420. In at least one example, the cryptocurrency ledger 434 may further record transactions of cryptocurrency assets associated with the user account 420. For example, the user account 420 may receive cryptocurrency from the cryptocurrency network 212 using a user wallet key 432. In some examples, the user wallet key 432 may be generated for a user upon request. The user wallet key 432 may be requested by a user to transmit, exchange, or otherwise control the balance of cryptocurrency held by the P2P payment platform and / or the payment processing platform (e.g., the cryptocurrency wallet 410) and registered to the user. In some examples, the user wallet key 432 may not be generated until the user account needs it. This on-the-fly wallet key generation provides enhanced security features for the user and reduces the number of access points to the balance of the user account, thus limiting exposure to external threats.

[0091] Each account ledger can reflect a positive balance when funds are added to the corresponding account. An account may be sourced by transferring a form of currency associated with the account from an external account (e.g., transferring a cryptocurrency value to the P2P payment platform and / or payment processing platform, which is credited as a balance in the cryptocurrency ledger 434), by using a different form of currency to purchase a form of currency associated with the account (e.g., by using a fiat currency value reflected in the fiat currency ledger 206 to purchase a cryptocurrency value from the P2P payment platform and / or payment processing platform, which is credited as a cryptocurrency value in the cryptocurrency ledger 434), or by executing a transaction with another user (customer or merchant) of the P2P payment platform and / or payment processing platform, and the account receives incoming currency (which may be in the form associated with the account or in a different form, in which case the incoming currency may be converted to the form associated with the account). In some examples, the user account data 428 can include preferences for maintaining individual balances in the ledger. For example, the P2P payment platform and / or payment processing platform may automatically debit the cryptocurrency ledger 436 and increment the cryptocurrency ledger 434, or another account associated with a user, whenever a cryptocurrency balance (e.g., in the cryptocurrency ledger 434) falls below a defined level (e.g., a threshold). Conversely, in some embodiments, the P2P payment platform and / or payment processing platform may automatically credit the fiat currency ledger 436 and decrement the cryptocurrency ledger 434 whenever a cryptocurrency balance rises above a predetermined level (e.g., a threshold). In some examples, the automatic transactions may be further defined by an exchange rate between the cryptocurrency and the fiat currency, such that transactions to buy and sell cryptocurrency may occur when the exchange rate is favorable.

[0092] With particular reference to funding a cryptocurrency account, a user may have a cryptocurrency balance stored in another cryptocurrency wallet. In some examples, the other cryptocurrency wallet may be associated with a third party (e.g., associated with the third party server 120) unrelated to the P2P payment platform and / or payment processing platform (i.e., an external account). In at least one example, a user may transfer all or a portion of a cryptocurrency balance stored in a third party cryptocurrency wallet to the P2P payment platform and / or payment processing platform. Such a transaction may require the user to transfer an amount of cryptocurrency in a message signed by the user's private key to a destination provided by the P2P payment platform and / or payment processing platform. In at least one example, the transaction may be bundled into a block of transactions and sent to a miner to verify the authenticity of the transactions in the block. Once the miner verifies the block, the block is written to the public distributed blockchain where the P2P payment platform and / or payment processing platform can verify that the transaction has been confirmed and can credit the user's cryptocurrency ledger 434 with the transferred amount. When an account is sourced by transferring cryptocurrency from a third-party cryptocurrency wallet, updates can be made to the public blockchain. Importantly, this public blockchain update does not have to occur at a single key moment, such as when a transaction is being processed with a merchant in-store or online.

[0093] In some examples, users may purchase cryptocurrency to fund their cryptocurrency accounts. In some examples, users may purchase cryptocurrency through services provided by the P2P payment platform and / or payment processing platform. As mentioned above, in some examples, the P2P payment platform and / or payment processing platform may obtain cryptocurrency from a third-party source (e.g., associated with the third-party server 118). In such examples, the destinations used to obtain cryptocurrency may be changed such that the cryptocurrency wallet 410 may be associated with different destinations and their holdings are represented under various destinations on the blockchain. If the P2P payment platform and / or payment processing platform has its own cryptocurrency holdings, users may obtain cryptocurrency directly from the P2P payment platform and / or payment processing platform. In some examples, the P2P payment platform and / or payment processing platform may include logic to buy and sell cryptocurrency to maintain a desired level of cryptocurrency. The desired level may be based on transaction volume over a period of time, collective user profile balances, cryptocurrency ledgers, exchange rates, or trends in exchange rate changes such that cryptocurrency tends to gain or lose value relative to fiat currency. In all of these examples, the buying and selling of cryptocurrencies, and therefore the associated public ledger updates, can be decoupled from any customer-merchant transactions and therefore are not necessarily time sensitive.

[0094] In examples where the P2P payment platform and / or payment processing platform have their own cryptocurrency assets, the cryptocurrency transferred in the transaction (e.g., data having destinations provided for receiving the transaction and balances of cryptocurrency transferred in the transaction) may be stored in the cryptocurrency wallet 410. In at least one example, the P2P payment platform and / or payment processing platform may credit the user's cryptocurrency ledger 434. Furthermore, the P2P payment platform and / or payment processing platform recognizes that the user holds the value of the transferred cryptocurrency by crediting the cryptocurrency ledger 434, but anyone inspecting the blockchain would consider the cryptocurrency to have been transferred to the P2P payment platform and / or payment processing platform. In some examples, the cryptocurrency wallet 410 may be associated with many different destinations. In such examples, anyone inspecting the blockchain would not be able to easily associate all of the cryptocurrencies stored in the cryptocurrency wallet 410 as belonging to the same entity. It is the existence of a private ledger used for real-time transactions and maintained by the P2P payment platform and / or payment processing platform, combined with updates to the public ledger at other times, that allows extremely fast transactions using cryptocurrencies to be achieved. In some examples, a "private ledger" may refer to the cryptocurrency ledger 412, which in some examples may utilize a private blockchain 419, as described herein. A "public ledger" may correspond to a public blockchain associated with the cryptocurrency network 212.

[0095] In at least one example, a user's cryptocurrency ledger 434, fiat currency ledger 436, etc. may be credited when the user conducts a transaction with another user (customer or merchant) that receives the deposit currency. For example, in response to capturing funds associated with payment for a transaction, the P2P payment platform and / or payment processing platform may deposit funds into one or more merchant accounts, thereby causing the corresponding ledger to be credited. In some examples, a user may receive cryptocurrency in the form of payment for a transaction with another user. In at least one example, such cryptocurrency may be used to fund the cryptocurrency ledger 434.

[0096] In some examples, a user may receive fiat or other currency in the form of payment for a transaction with another user, and in at least one example, at least a portion of such funds may be converted by the P2P payment platform and / or the payment processing platform into cryptocurrency and used to fund the user's cryptocurrency ledger 434.

[0097] As mentioned above, in some examples, a user may also have other accounts maintained by the P2P payment platform and / or the payment processing platform. For example, a user may also have an account in United States dollars, which may be tracked, for example, via the fiat currency ledger 436. Such an account may be funded by transferring money from a bank account at a third party bank to an account maintained by the P2P payment platform and / or the payment processing platform, as is known in the art. In some examples, a user may receive fiat currency in the form of payment for a transaction with another user. In such examples, at least a portion of such funds may be used to fund the fiat currency ledger 436.

[0098] In some examples, a user may have one or more internal payment cards registered with the P2P payment platform and / or the payment processing platform. The internal payment cards may be linked to one or more of the accounts associated with user accounts 420. In some embodiments, options related to the internal payment cards may be adjusted and managed using an application (e.g., the mobile payment application 202 and / or the POS application 302).

[0099] In at least one example, as described above, each ledger may correspond to a user's account managed by the P2P payment platform and / or the payment processing platform. In at least one example, an individual in an account may be associated with a wallet or stored balance for use in payment transactions, P2P transactions, payroll, etc.

[0100] In at least one example, user account 420 can be associated with cryptocurrency wallet 440. A user's cryptocurrency wallet 440 can be associated with account information that can be stored in user account data 428 and, in some examples, can be associated with user wallet key 432. In at least one example, cryptocurrency wallet 440 can store data indicating an address provided for receiving cryptocurrency transactions. In at least one example, a balance in cryptocurrency wallet 440 can be based at least in part on a balance in cryptocurrency ledger 434. In at least one example, funds available via cryptocurrency wallet 440 can be stored in cryptocurrency wallet 440 or cryptocurrency wallet 410. Funds available via cryptocurrency wallet 410 can be tracked via cryptocurrency ledger 434. However, cryptocurrency wallet 440 can be associated with additional cryptocurrency funds.

[0101] In at least one example, when the P2P payment platform and / or payment processing platform includes a private blockchain 419 for recording and verifying cryptocurrency transactions, the cryptocurrency wallet 440 may be used instead of or in addition to the cryptocurrency ledger 434. For example, in at least one example, a merchant may provide a cryptocurrency wallet 440 destination for receiving a payment. In an example where a customer is making a payment in cryptocurrency and the customer has their own cryptocurrency wallet account associated with the P2P payment platform and / or payment processing platform, the customer may send a message signed by their private key containing their wallet destination (i.e., the customer's) and identifying the cryptocurrency and value to be transferred to the merchant's cryptocurrency wallet 440. The P2P payment platform and / or payment processing platform may complete the transaction by decreasing the cryptocurrency balance in the customer's cryptocurrency wallet and increasing the cryptocurrency balance in the merchant's cryptocurrency wallet 440. In addition to recording the transaction in the respective cryptocurrency wallet, the transaction may be recorded in the private blockchain 419 and the transaction may be confirmed. Users may perform similar transactions using cryptocurrency in peer-to-peer transactions as described above. In at least one example, the cryptocurrency wallet account 440 may be funded by a balance transfer from a third-party cryptocurrency wallet, as described above. Such a transaction may require a user to transfer an amount of cryptocurrency in a message signed by the user's private key to a destination in the cryptocurrency wallet account 440. The transferred amount of cryptocurrency may then reside in the cryptocurrency wallet account 440 for use in a later transaction.

[0102] In at least one example, a merchant account 406 may be associated with each user 128 that utilizes the payment processing platform. Merchant accounts 406 may comprise one or more merchant accounts associated with one or more merchants. In some examples, a merchant account may have the same or similar structure as a user account 420. In some examples, a merchant account may be integrated with, mapped to, or otherwise associated with a user account. In some examples, a merchant account may be associated with merchant data, which may include, but is not limited to, merchant identification information (e.g., the name of the merchant, the geographic location of the merchant, the hours of operation of the merchant, employee information, etc.), merchant category classifications (MCCs) offered for sale by the merchant, items used by the merchant (e.g., device type), transaction data related to the merchant (e.g., transactions made by the merchant, payment data related to the transactions, items related to the transactions, a description of each item in the transaction, parties to the transactions, dates, times, and / or locations of the transactions, etc.), loan information related to the merchant (e.g., previous loans made to the merchant, previous defaults on said loans, etc.), risk information related to the merchant (indications of risk, instances of fraud, chargebacks, etc.), reservation information (e.g., previous reservations, next (scheduled) reservations, timing of reservations, length of reservations, etc.), payroll information (e.g., employee, pay frequency, pay amount, etc.), employee information, reservation data (e.g., previous reservations, next (scheduled) reservations, interactions related to such reservations, etc.), inventory data, customer service data, etc. In some examples, a merchant account may store payment information associated with an individually linked payment instrument of a merchant's stored balance (e.g., ledger). In at least one example, P2P user information (e.g., alphanumeric identifier, etc.) may be mapped to or otherwise associated with such merchant profile.

[0103] In at least one example, a customer account 408 can be associated with each user 128 that utilizes the payment platform. The customer accounts 408 can include one or more customer accounts associated with one or more customers. In some examples, a customer account can have the same or similar structure as a user account 420. In some examples, a customer account can be integrated with, mapped to, or otherwise associated with a user account. In some examples, a customer account may be associated with customer data, which may include, but is not limited to, customer identification information (e.g., name, phone number, address, banking information, etc.), customer preferences (e.g., learned or customer specified), purchase history data (e.g., identifying one or more purchased items (and respective item information)), payment instruments used to purchase one or more items (which may include P2P payment transactions), returns associated with one or more orders, status of one or more orders (e.g., prepared, packed, in transit, delivered, etc.), reservation data (e.g., previous reservations, next (scheduled) reservations, reservation timing, reservation duration, etc.), payroll data (employee, payment frequency, payment amount, etc.), reservation data (e.g., previous reservations, next (scheduled) reservations, reservation timing, reservation duration, interactions related to such reservations, etc.), inventory data, customer service data, etc. In some examples, a customer account may store payment information associated with an individually linked payment instrument in a customer's stored balance (e.g., ledger). In at least one example, P2P user information (eg, an alphanumeric identifier, etc.) may be mapped to or otherwise associated with such customer profiles.

[0104] It should be noted that users having accounts managed by the P2P payment platform and / or payment processing platform is an aspect of the disclosed technology that enables the technical advantages of increased processing speed and increased security.

[0105] 5 illustrates a swim lane diagram illustrating a process 500 for differentiating payment allocations to merchants using cryptocurrency. The operations of process 500 may be performed by one or more components of environments 100, 200, and / or 300. As illustrated, process 500 may be performed in part by P2P server 102, payment processing server 104, mobile application 202, and POS application 302. In some examples, mobile payment application 202 and POS application 302 may be associated with the same user computing device of a user (i.e., merchant 306). In some examples, mobile payment application 202 and POS application 302 may be associated with different user computing devices that may both be associated with the same user (i.e., merchant 306).

[0106] In at least one example, the cryptocurrency payment request 502 may be received on the merchant computing device 304 via the POS application 302. In at least one example, the POS application 302 may present a user interface having one or more user interface elements to enable the merchant 306 to specify which account should receive funds generated from a payment associated with the merchant's 306 transaction. In some examples, the merchant 306 may be associated with one or more accounts, as described above. For example, the merchant 306 may be associated with a fiat currency account (associated with a fiat currency ledger), a cryptocurrency wallet account (e.g., associated with a cryptocurrency ledger), and / or the like.

[0107] In at least one example, the POS application 302 can receive an input indicating that at least a portion of funds generated from a payment associated with the merchant's 306 transaction are to be deposited in the merchant's 306 cryptocurrency wallet account. In some examples, the user interface can include mechanisms (e.g., sliders, freeform text boxes, dropdowns, etc.) to allow the merchant 306 to specify a percentage or other portion of the funds to be deposited in the merchant's 306 cryptocurrency wallet account. Thus, in some examples, the input can be associated with an indication of a percentage or other portion of the funds to be deposited. In some examples, the merchant 306 may not provide such a specification and may rely on a recommendation and / or automatic determination (e.g., based on logic associated with the payment processing component 114) of the amount of funds to be deposited in the merchant's 306 cryptocurrency wallet account. Further details are provided below.

[0108] In at least one example, the POS application 302 can send a cryptocurrency payment request 502 to the payment processing server 104. The payment processing server 104 can receive the cryptocurrency payment request 502. In at least one example, the payment processing server 104 can determine whether a merchant account of the merchant 306 is associated with a cryptocurrency wallet account. In at least one example, based at least in part on determining that the merchant account is not associated with a cryptocurrency wallet account, the payment processing component 114 can send a cryptocurrency account request 504 to the P2P server 102. In at least one example, the cryptocurrency account request 504 can include an identifier associated with the merchant 306, which in some examples can be a unique identifier for the merchant 306 (e.g., an alphanumeric identifier selected by the merchant 306, etc.). In some examples, the identifier can be stored in association with the merchant account of the merchant 306 and / or provided by the merchant 306 with the cryptocurrency payment request 502. In at least one example, the cryptocurrency management component 110 can receive the cryptocurrency account request 504 and can determine whether the merchant 306 is associated with a cryptocurrency wallet account (e.g., in the data store 112).

[0109] In at least one example, if the merchant 306 is not associated with a cryptocurrency wallet account, the cryptocurrency management component 110 can initiate an account creation process, as indicated by the boxed 1 in FIG. 5. In at least one example, the cryptocurrency management component 110 can cause a user interface to be presented via the mobile payment application 202, which can prompt the merchant 306 to input information for creating a cryptocurrency wallet account. In at least one example, based at least in part on receiving such information, the cryptocurrency management component 110 can generate a cryptocurrency wallet account for the merchant 306. In at least one example, such an account can be associated with a user wallet key, which can be stored in user account data associated with the merchant's 306 user account. In at least one example, such an account can be associated with a cryptocurrency ledger, which can be associated with the merchant's 306 user account. In at least one example, the cryptocurrency wallet account can be associated with account information, such as an address or other account identifier.

[0110] In some examples, a cryptocurrency wallet account may be generated prior to receiving the cryptocurrency account request 504. For example, the merchant 306 may interact with an instance of the mobile payment application 202 to provide information for generating the cryptocurrency wallet account. In at least one example, the mobile payment application 202 may present a user interface to enable the merchant 306 to input such information and submit a request to generate the cryptocurrency wallet account 506. In such examples, based at least in part on receiving such information, the cryptocurrency management component 110 may generate a cryptocurrency wallet account for the merchant 306, as indicated by boxed 2 in FIG. 5. In at least one example, such an account may be associated with a user wallet key that may be stored in user account data associated with a user account of the merchant 306. In some examples, the user account may be managed by the P2P server 102 (e.g., associated with the data store 112) and may be mapped to or otherwise associated with a merchant account of the merchant managed by the payment processing server 104. In at least one example, the user account may be associated with a cryptocurrency ledger. In at least one example, a cryptocurrency wallet account can be associated with account information, such as an address or other account identifier.

[0111] Although described above as being performed by the mobile payment application 202 and the cryptocurrency management component 110, in some examples such functionality may be integrated into the POS application 302 such that information may be entered via a user interface presented by the POS application 302 and the payment processing component 114 may receive information from the POS application 302. The payment processing component 114 may then transmit the information to the P2P server 102 and the cryptocurrency management component 110 may generate a cryptocurrency wallet account.

[0112] In at least one example, the cryptocurrency management component 110 can send the cryptocurrency account information 508 to the payment processing server 104. In at least one example, the payment processing component 114 can receive the cryptocurrency account information 508 and associate the cryptocurrency account information 508 with a merchant account for the merchant, as indicated by boxed 3 in Figure 5. In at least one example, the cryptocurrency account information 508 can be mapped to or otherwise associated with the merchant account for the merchant 306 (e.g., in the data store 120).

[0113] In at least one example, a merchant 306 may utilize a POS application 302 to process payments for transactions with customers 308. In at least one example, the POS application 302 may generate transaction data 510, which may be transmitted to the payment processing server 104. In at least one example, the transaction data 510 may be associated with payment data and an authorization request 512 to authorize a payment instrument associated with the payment data for the cost of the transaction. In some examples, the transaction data 510 may be transmitted on a per-transaction basis. In some examples, the transaction data 510 may be batched and transmitted with authorization requests 512 associated with multiple transactions.

[0114] In at least one example, as shown in box 4 of FIG. 5, the payment processing component 114 can receive transaction data 510 and authorization request 512, and, if applicable, exchange communications with a third party server 118 to determine whether a payment instrument associated with the authorization request 512 has been authorized and / or capture funds associated therewith. In at least one example, the payment processing component 114 can determine a portion of funds associated with such transaction for allocation to individual accounts of the merchant 306. That is, the payment processing component 114 can determine the distribution of funds associated with the transaction between one or more accounts of the merchant. In at least one example, such allocation can be determined based at least in part on input from the merchant 306 (e.g., with the cryptocurrency payment request 502). In some examples, such allocation can be determined automatically by the payment processing component 114.

[0115] In at least one example, the payment processing component 114 can utilize one or more rules to determine the amount of funds from one or more transactions to deposit into the cryptocurrency wallet account. In at least one example, the one or more rules can be specified by a merchant regarding the amount of funds to deposit into the cryptocurrency wallet account. Such rules can indicate a percentage, a flat rate, etc. that can be deposited as cryptocurrency into the cryptocurrency wallet account of the merchant 306. In some examples, the rules can be learned based on merchant data associated with other merchants that utilize the payment processing platform, for example. In some examples, the learned rules can be learned based on merchant data associated with other merchants that are similar to the merchant 306 (e.g., as determined based on a similarity algorithm or other indicator of similarity between merchants).

[0116] In some examples, the payment processing component 114 may utilize a machine-learned model to determine the amount of funds from one or more transactions to deposit into a cryptocurrency wallet account. In some examples, such a model may be trained using merchant data associated with a merchant utilizing the payment processing platform for payment processing, previous cryptocurrency deposits, cryptocurrency conversion rates or trends (e.g., historical), and / or the like. The merchant data may include transaction data associated with transactions previously processed using the payment processing platform. Such transaction data may indicate the merchant associated with the transaction, the customer associated with the transaction, the item purchased via the transaction, the date of the transaction, the time of the transaction, the payment instrument used to pay for the transaction, the allocation of funds associated with the transaction, and / or the like. The previous cryptocurrency deposits may indicate conversion rates and / or trends at which cryptocurrency wallet account funds were deposited, the percentage of funds previously deposited in the cryptocurrency account, the time of such transaction, and / or the like. In at least one example, such transaction data, previous cryptocurrency deposits, and / or cryptocurrency rates and / or trends may be used to train the model. In some examples, the model may be trained on a subset of the merchant data, which may be associated with merchants similar to the merchant. In some examples, the model may be trained using one or more machine learning mechanisms, such as supervised learning algorithms, unsupervised learning algorithms, semi-supervised learning algorithms, etc. In at least one example, the machine-learned model may be used to analyze characteristics of a transaction or group of transactions (e.g., based at least in part on transaction data and / or cryptocurrency conversion rates and / or trends) and may output a recommendation of an amount of funds associated with the transaction or group of transactions to deposit as cryptocurrency.

[0117] As an example, the merchant 306 may be a seasonal merchant that tends to experience lower transactions during one season (e.g., off-season) than another season (e.g., high season) as determined from transaction data. In at least one example, during the off-season, the payment processing component 114 may utilize one or more machine learning models to output recommendations to increase the amount of funds to allocate to the cryptocurrency wallet account, decrease the amount of funds to allocate to the cryptocurrency wallet account, the amount of certain funds to allocate to the cryptocurrency wallet account, and / or the like. In at least one example, such output may be based at least in part on current cryptocurrency conversion rates and / or trends and current and / or historical transaction data associated with the merchant 306.

[0118] In at least one example, based at least in part on the capture of funds associated with the authorization request 512, the payment processing component 114 can send a cryptocurrency deposit instruction 514 to the P2P server 102. That is, the payment processing component 114 can send an instruction to the P2P server 102 to deposit at least a portion of the captured funds in the cryptocurrency wallet account of the merchant 306.

[0119] In some examples, funds may be received in a currency different than cryptocurrency. Thus, in at least one example, the payment processing server 104 and / or the P2P server 102 may convert the funds into cryptocurrency, as indicated by the boxed 5 in FIG. 5. For example, if funds are received in fiat currency and deposited at least partially as cryptocurrency (e.g., in a cryptocurrency wallet account of the merchant 306), the payment processing component 114 may determine a value owned by the merchant in cryptocurrency using an exchange rate between fiat currency and cryptocurrency for the portion of the funds deposited as cryptocurrency. That is, the payment processing component 114 may determine a number of cryptocurrency units equivalent to the portion of the fiat currency funds to be deposited in the cryptocurrency wallet account of the merchant 306. In some examples, the payment processing component 114 may transmit to the P2P server 102 an indication of the value that must be paid to the merchant in cryptocurrency.

[0120] In some examples, the cryptocurrency management component 110 can receive instructions and debit a cryptocurrency ledger associated with the P2P payment platform and credit a cryptocurrency ledger associated with the merchant's 306 account with the same value or a value based on the same value. In some examples, the amount credited to the cryptocurrency ledger can be less than the same value based on a processing fee. In some examples, the amount credited to the cryptocurrency ledger can exceed the same value based on an incentive or reward. Crediting the merchant's 306 cryptocurrency ledger can increase the balance of the merchant's 306 cryptocurrency wallet account. In some examples, the credit can be applied to the cryptocurrency ledger when the funds and / or instructions are received. In some examples, the credit can be applied to the cryptocurrency ledger at a later time, which can be determined based on a current exchange rate, a trend in the exchange rate, an event (e.g., an instruction from the merchant 306, a number of transactions, a cryptocurrency value, a particular date and / or time, etc.), a rule (e.g., after a period of time has passed, a particular frequency, etc.), etc.

[0121] In some examples, the cryptocurrency management component 110 can purchase cryptocurrency using funds received from the payment processing server 104. In some examples, the cryptocurrency management component 110 can purchase cryptocurrency at the time the funds and / or instructions are received. In some examples, the cryptocurrency management component 110 can associate the funds with the appropriate ledger and purchase the cryptocurrency at a later time, which may be determined based on current exchange rates, trends in exchange rates, events (e.g., instructions from a merchant 306, number of transactions, cryptocurrency value, specific dates and / or times, etc.), rules (e.g., after a period of time has passed, at a specific frequency, etc.), etc.

[0122] In some examples, the cryptocurrency management component 116 can purchase cryptocurrency based on the above conversions or can otherwise allocate cryptocurrency to a user (e.g., based on a payment processing platform's balance ledger) and can associate such cryptocurrency with a cryptocurrency deposit instruction 514. In such examples, the cryptocurrency management component 110 can receive funds in the currency to be deposited in the cryptocurrency wallet account and can deposit funds in the cryptocurrency wallet account of the merchant 306.

[0123] In some examples, the payment processing component 114 may send one or more additional instructions to other components to deposit one or more other portions of the funds to one or more other accounts, as indicated by boxed 6 in FIG. 5. For example, in at least one example, a portion of the funds may be deposited in a fiat currency account of the merchant 306. In at least one example, after each of the instructions are sent and the portion of the funds is deposited, the payment processing component 114 may send a notification 516 to the merchant computing device 304 that the transaction is complete. The POS application 302 may cause the notification to be presented via a user interface. In some examples, the notification 516 that the transaction is complete may be sent in response to receiving an approval response (e.g., from an acquirer, issuer, card payment network, bank, etc.). In some examples, the notification may be sent in response to receiving captured funds associated with the transaction. In some examples, notifications may be sent before the cryptocurrency is deposited in the merchant's 306 cryptocurrency wallet account, if the cryptocurrency deposit was intentionally delayed due to, for example, a current exchange rate, a trend in the exchange rate, an event (e.g., an instruction from the merchant 306, a number of transactions, a cryptocurrency value, a particular date and / or time, etc.), a rule (e.g., after a period of time, at a particular frequency, etc.), etc.

[0124] 6 illustrates a swim lane diagram illustrating another process 600 for distinguishing payment allocations to merchants using cryptocurrency. The operations of process 600 may be performed by one or more components of environments 100 and / or 300. As shown, process 600 may be performed in part by payment processing server 104, POS application 302, and third party server 118. As mentioned above, in some examples, merchant 306 may have one or more cryptocurrency wallet accounts. In some examples, one or more of the cryptocurrency wallet accounts may be associated with a third party service provider associated with third party server 118.

[0125] In at least one example, the cryptocurrency payment request 602 may be received on the merchant computing device 304 via a POS application 302. In at least one example, the POS application 302 may present a user interface having one or more user interface elements to enable the merchant 306 to specify which account should receive funds generated from a payment associated with the merchant's 306 transaction. In some examples, the merchant 306 may be associated with one or more accounts, as described above. For example, the merchant 306 may be associated with a fiat currency account (associated with a fiat currency ledger), a cryptocurrency wallet account (e.g., associated with a cryptocurrency ledger), and / or the like.

[0126] In at least one example, the POS application 302 can receive an input indicating that at least a portion of funds generated from a payment associated with the merchant's 306 transaction are to be deposited in the merchant's 306 cryptocurrency wallet account. In some examples, the user interface can include mechanisms (e.g., sliders, freeform text boxes, dropdowns, etc.) to allow the merchant 306 to specify a percentage or other portion of the funds to be deposited in the merchant's 306 cryptocurrency wallet account. Thus, in some examples, the input can be associated with an indication of a percentage or other portion of the funds to be deposited. In some examples, the merchant 306 may not provide such a specification and may rely on a recommendation and / or automatic determination (e.g., based on logic associated with the payment processing component 114) of the amount of funds to be deposited in the merchant's 306 cryptocurrency wallet account.

[0127] In some examples, if the merchant 306 is associated with more than one cryptocurrency wallet account, the user interface may include a mechanism for the merchant 306 to select a cryptocurrency wallet account into which such funds should be deposited. For example, the merchant 306 may select a cryptocurrency wallet account from among multiple cryptocurrency wallet accounts and / or the merchant 306 may provide an address or other account identifier associated with the selected cryptocurrency wallet account.

[0128] In at least one example, the POS application 302 can send a cryptocurrency payment request 602 to the payment processing server 104. The payment processing server 104 can receive the cryptocurrency payment request 602. In at least one example, the payment processing server 104 can determine whether the merchant account of the merchant 306 is associated with a cryptocurrency wallet account to which a portion of the funds are to be deposited. In at least one example, based at least in part on determining that the merchant account is not associated with a cryptocurrency wallet account, the payment processing component 114 can send a cryptocurrency account request 604 to a third party server 118 that can be associated with a third party cryptocurrency wallet account of the merchant 306. In at least one example, the cryptocurrency account request 604 can include an identifier associated with the merchant 306, which in some examples can be a unique identifier for the merchant 306 (e.g., an alphanumeric identifier selected by the merchant 306, etc.). As mentioned above, in some examples, the identifier may be stored (e.g., in the data store 120) in association with the merchant account of the merchant 306 and / or may be provided in association with the cryptocurrency account request 604. In at least one example, the third party server 118 may receive the cryptocurrency account request 604 and may access (e.g., using the identifier) ​​account information associated with the cryptocurrency wallet account of the merchant 306.

[0129] In at least one example, the third party server 118 can send the cryptocurrency account information 606 to the payment processing server 104. In at least one example, the payment processing component 114 can receive the cryptocurrency account information 606 and associate the cryptocurrency account information 606 with a merchant account for the merchant, as indicated by the boxed 1 in Figure 6. In at least one example, the cryptocurrency account information 608 can be mapped to or otherwise associated with the merchant account for the merchant 306 (e.g., in the data store 120).

[0130] In at least one example, a merchant 306 can utilize the POS application 302 to process payments for transactions with customers 308. In at least one example, the POS application 302 can generate transaction data 608, which can be transmitted to the payment processing server 104. In at least one example, the transaction data 608 can be associated with payment data and an authorization request 610 to authorize a payment instrument associated with the payment data for the cost of the transaction. In some examples, the transaction data 608 can be transmitted on a per-transaction basis. In some examples, the transaction data 608 can be batched and transmitted with authorization requests 610 associated with multiple transactions.

[0131] In at least one example, as indicated by box 2 in FIG. 6, the payment processing component 114 can receive the transaction data 608 and the authorization request 610 and can determine a portion of funds associated with such transaction for allocation to individual accounts of the merchant 306. That is, the payment processing component 114 can determine the distribution of funds associated with the transaction between one or more accounts of the merchant, as described above. In at least one example, such allocation can be determined based at least in part on input from the merchant 306 (e.g., with the cryptocurrency payment request 602). In some examples, such allocation can be determined automatically by the payment processing component 114, as described above.

[0132] In at least one example, based at least in part on the capture of funds associated with the authorization request 610, the payment processing component 114 can send a cryptocurrency deposit instruction 612 to the third party server 118. That is, the payment processing component 114 can send an instruction to the third party server 118 to deposit at least a portion of the captured funds in a cryptocurrency wallet account of the merchant 306.

[0133] In some examples, funds are received in a currency other than cryptocurrency. Thus, in at least one example, the payment processing server 104 and / or the third party server 118 can convert the funds to cryptocurrency, as indicated by boxed 3 in FIG. 6. For example, if funds are received in fiat currency and deposited at least partially as cryptocurrency (e.g., in a cryptocurrency wallet account of the merchant 306), the payment processing component 114 can send a portion of the funds in fiat currency to the third party server 118. In such examples, the third party server(s) 118 can perform the conversion and associate a value to be paid to the merchant in cryptocurrency with the cryptocurrency wallet account of the merchant 306. In such examples, the third party server 118 can perform the conversion and associate a value to be paid to the merchant in cryptocurrency with the cryptocurrency wallet account of the merchant 306.

[0134] In some examples, the cryptocurrency management component 116 may purchase cryptocurrency based on the above-mentioned conversions or may otherwise allocate cryptocurrency to users (e.g., based on a balance ledger of a payment processing platform) and may associate such cryptocurrency with cryptocurrency deposit instructions 612. In such examples, the third party server 118 may receive funds in the currency to be deposited in the cryptocurrency wallet account.

[0135] In some examples, the payment processing component 114 may send one or more additional instructions to other components to deposit one or more other portions of the funds to one or more other accounts, as indicated by boxed 4 in FIG. 6. For example, in at least one example, a portion of the funds may be deposited in a fiat currency account of the merchant 306. In at least one example, after each of the instructions is sent and the portion of the funds is deposited, the payment processing component 114 may send a notification 614 to the merchant computing device 304 that the transaction is complete. The POS application 302 may cause the notification to be presented via a user interface. In some examples, the notification 614 that the transaction is complete may be sent in response to receiving an approval response (e.g., from an acquirer, issuer, card payment network, bank, etc.). In some examples, the notification may be sent in response to receiving captured funds associated with the transaction. In some examples, the notification may be sent before the cryptocurrency is deposited in the merchant's 306 cryptocurrency wallet account, for example, if the cryptocurrency deposit was intentionally delayed due to market conditions, events, rules, and / or the like.

[0136] In some examples, one or more transactions may be batched for processing, as referenced in Figures 5 and 6. That is, in at least one example, transaction data and authorization requests associated with a group of transactions may be received and processed simultaneously. In some examples, decisions regarding the amount of funds associated with a group of transactions to be deposited as cryptocurrency may be made at a group level instead of or in addition to the transaction level.

[0137] FIG. 7 illustrates an exemplary process 700 for allocating a portion of funds from a merchant transaction to different accounts of the merchant, at least one of which is a cryptocurrency wallet account of the merchant 306. In some examples, the transaction may be conducted in fiat currency. In this manner, a mechanism is provided for automatically converting funds received in one currency (e.g., fiat) to another currency (e.g., cryptocurrency), which mechanism is built into the transaction processing procedure itself. Thus, in contrast to conventional systems, no subsequent separate system or process is required to convert funds in a customer's fiat bank account to cryptocurrency funds. Instead, the conversion occurs at transaction time. This provides a more efficient and versatile payment architecture in which the conventional barriers between cryptocurrency and fiat currency transactions are broken down.

[0138] At operation 702, the payment processing component 114 may receive a request to receive funds in cryptocurrency via a user interface presented by the POS application 302 on the merchant device 304 of the merchant 306. In at least one example, the POS application 302 may present a user interface having one or more user interface elements to enable the merchant 306 to specify which account should receive funds generated from a payment associated with the merchant's 306 transaction. In some examples, the merchant 306 may be associated with one or more accounts, as described above. For example, the merchant 306 may be associated with a fiat currency account (associated with a fiat currency ledger), a cryptocurrency wallet account (e.g., associated with a cryptocurrency ledger), and / or the like.

[0139] In at least one example, the POS application 302 can receive an input indicating that at least a portion of funds generated from a payment associated with the merchant's 306 transaction are to be deposited in the merchant's 306 cryptocurrency wallet account. In some examples, the user interface can include mechanisms (e.g., sliders, freeform text boxes, dropdowns, etc.) to allow the merchant 306 to specify a percentage or other portion of the funds to be deposited in the merchant's 306 cryptocurrency wallet account. Thus, in some examples, the input can be associated with an indication of a percentage or other portion of the funds to be deposited. In some examples, the merchant 306 may not provide such a specification and may rely on a recommendation and / or automatic determination (e.g., based on logic associated with the payment processing component 114) of the amount of funds to be deposited in the merchant's 306 cryptocurrency wallet account.

[0140] In at least one example, the POS application 302 can send the request to the payment processing server 104. The payment processing server 104 can receive the request. In at least one example, the payment processing component 114 of the payment processing server 104 can receive the request. In some examples, the request can be associated with an identifier of the merchant 306 (e.g., an alphanumeric identifier that is unique to the merchant 306).

[0141] At operation 704, the payment processing component 114 may determine whether the merchant account of the merchant 306 is associated with a cryptocurrency ("crypto") wallet account. In at least one example, the payment processing component 114 may determine whether the merchant account of the merchant 306 is mapped to or otherwise associated with account information of the cryptocurrency wallet account. In at least one example, based at least in part on determining that the merchant account is associated with the cryptocurrency wallet account (i.e., "YES" at operation 704), the process 700 may proceed to operation 706. However, based at least in part on determining that the merchant account is not associated with the cryptocurrency wallet account (i.e., "NO" at operation 704), the payment processing component 114 may send a request to a cryptocurrency source for information associated with the cryptocurrency wallet account, as shown at operation 708. In at least one example, the cryptocurrency source may be a P2P payment platform. In such an example, the payment processing component 114 may send the request to the P2P server 102. In alternative examples, the cryptocurrency source may be associated with a third-party platform and the request may be sent to the third-party server 118. In at least one example, the request may include an identifier associated with the merchant 306, which in some examples may be a unique identifier for the merchant 306 (e.g., an alphanumeric identifier selected by the merchant 306, etc.). In some examples, the identifier may be stored in association with a merchant account of the merchant 306 and / or provided by the merchant 306 along with the request received in operation 702.

[0142] At operation 710, the payment processing component 114 can receive information associated with the cryptocurrency wallet account from a cryptocurrency source. In at least one example, the cryptocurrency source (e.g., the cryptocurrency management component 110) can send account information associated with the cryptocurrency wallet account to the payment processing server 104. In at least one example, the payment processing component 114 can receive the account information and associate the account information associated with the cryptocurrency wallet account with a merchant account of the merchant 306, as shown at operation 712. In at least one example, the account information associated with the cryptocurrency wallet account can be mapped to or otherwise associated with the merchant account of the merchant 306 (e.g., in the data store 120).

[0143] At operation 706, the payment processing component 114 may receive transaction data from the POS application 302 relating to a transaction between a merchant and a customer. As described above, in at least one example, a merchant 306 may utilize the POS application 302 to process payments for transactions with a customer 308. In at least one example, the POS application 302 may generate transaction data, which may be transmitted to the payment processing server 104. In some examples, the transaction data may be transmitted on a transactional basis. In some examples, the transaction data may be batched in association with multiple transactions.

[0144] At operation 714, the payment processing component 114 can receive an authorization request associated with the transaction from the POS application 302. In at least one example, the transaction data can be associated with payment data and an authorization request to authorize a payment instrument associated with the payment data for the cost of the transaction. In at least one example, the payment processing component 114 can receive the transaction data and the authorization request, and, if applicable, exchange communications with a third party server 118 to determine whether the payment instrument associated with the authorization request has been authorized and / or capture funds associated therewith. In some examples, the authorization request can be sent on a per-transaction basis. In some examples, authorization request(s) can be batched in connection with multiple transactions.

[0145] At operation 716, the payment processing component 114 may determine a portion of the captured funds associated with the approved transaction for depositing to an account of the merchant 306. In at least one example, the payment processing component 114 may determine a portion of the funds associated with such transaction for allocation to individual accounts of the merchant 306. That is, the payment processing component 114 may determine the distribution of funds associated with the transaction among one or more accounts of the merchant. In at least one example, such allocation may be determined at least in part based on input from the merchant 306 (e.g., as received at operation 702). In some examples, such allocation may be determined automatically by the payment processing component 114.

[0146] In at least one example, the payment processing component 114 can utilize one or more rules to determine the amount of funds from one or more transactions to deposit into the cryptocurrency wallet account. In at least one example, the one or more rules can be specified by a merchant regarding the amount of funds to deposit into the cryptocurrency wallet account. Such rules can indicate a percentage, a flat rate, etc. that can be deposited as cryptocurrency into the cryptocurrency wallet account of the merchant 306. In some examples, the rules can be learned based on merchant data associated with other merchants that utilize the payment processing platform, for example. In some examples, the learned rules can be learned based on merchant data associated with other merchants that are similar to the merchant 306 (e.g., as determined based on a similarity algorithm or other indicator of similarity between merchants).

[0147] In some examples, the payment processing component 114 may utilize machine learning models, as described above, to determine the amount of funds from one or more transactions to deposit into a cryptocurrency wallet account. In at least one example, a machine learning model can be used to analyze characteristics of a transaction or group of transactions (e.g., based at least in part on transaction data and / or cryptocurrency conversion rates and / or trends) and can output a recommendation of an amount of funds associated with the transaction or group of transactions to deposit as cryptocurrency.

[0148] In at least one example, based at least in part on the capture of funds associated with the authorization request (e.g., received at operation 714), the payment processing component 114 can cause a first portion of the funds to be deposited as cryptocurrency in a cryptocurrency wallet account, as shown at operation 718, and a second portion of the funds to be deposited in another account of the merchant 306, as shown at operation 720. That is, in at least one example, the payment processing component 114 can send an instruction to the P2P server 102 to deposit the first portion of the captured funds in a cryptocurrency wallet account of the merchant 306. In some examples, the funds can be received in a currency different than the cryptocurrency. In at least one example, the payment processing component 114 can convert the funds to the cryptocurrency. For example, if the funds are received in fiat currency and deposited at least in part as cryptocurrency (e.g., in a cryptocurrency wallet account of the merchant 306), the payment processing component 114 can determine a value to be paid to the merchant 306 in cryptocurrency using an exchange rate between the fiat currency and the cryptocurrency for the portion of the funds deposited as cryptocurrency. That is, the payment processing component 114 can determine the number of cryptocurrency units equivalent to the portion of the fiat currency funds to be deposited in the cryptocurrency wallet account of the merchant 306. In some examples, the payment processing component 114 can send to the P2P server 102 an indication of the value that must be paid to the merchant in the cryptocurrency.

[0149] In some examples, the payment processing component 114 can send an indication of funds to be deposited in the cryptocurrency wallet account to the P2P server 102, and the cryptocurrency management component 110 can convert the funds into cryptocurrency for deposit into the cryptocurrency wallet account of the merchant 306.

[0150] In some examples, the funds may be converted and deposited into the cryptocurrency wallet account of the merchant 306 at the time the funds and / or instructions are received. In some examples, the funds may be converted and deposited into the cryptocurrency wallet account of the merchant 306 at a later time, which may be determined based on current exchange rates, trends in exchange rates, events (e.g., instructions from the merchant 306, number of transactions, cryptocurrency value, particular date and / or time, etc.), rules (e.g., after a period of time has passed, at a particular frequency, etc.), etc. That is, in some examples, the payment processing component 114 and / or the cryptocurrency management component 110 may determine an amount of funds to reserve for deposit into the cryptocurrency wallet account in operation 716, but may refrain from converting the funds into cryptocurrency or otherwise allocating cryptocurrency to the cryptocurrency wallet account until a later time. In some examples, that "later time" may be a default time, and the merchant 306 may override such defaults by providing rules and / or inputs for effecting the conversion, as described below. In some examples, the conversion may occur on a per-transaction or per-batch basis, as described above.

[0151] In some examples, the payment processing component 114 may send one or more additional instructions to other components to deposit one or more other portions of the funds into one or more other accounts. For example, in at least one example, a second portion of the funds may be deposited into a fiat currency account of the merchant 306.

[0152] FIG. 8 illustrates another example process 800 for allocating portions of funds from a merchant transaction to different accounts of the merchant, where at least one account is a cryptocurrency wallet account of the merchant 306.

[0153] At operation 802, the cryptocurrency management component 110 may receive a request for account information associated with a cryptocurrency wallet account of a merchant 306. In at least one example, the payment processing component 114 may send such a request as described above with reference to operation 708 of FIG. 7. In at least one example, the request may include an identifier for the merchant 306, such as a unique identifier that may be linked to a user account of a user of the P2P payment platform. In at least one example, the cryptocurrency management component 110 may determine whether the merchant 306 (e.g., identifier) ​​is associated with a cryptocurrency wallet account (e.g., in a data store 112 associated therewith), as shown at operation 804.

[0154] In at least one example, based on a determination that the merchant 306 (e.g., identifier) ​​is associated with a cryptocurrency wallet account (i.e., “YES” at operation 804), the cryptocurrency management component 110 can send the associated account information to the payment processing server 104, as shown at operation 806. In some examples, the cryptocurrency wallet account can be created prior to receiving the request at operation 802. For example, the merchant 306 can interact with an instance of the mobile payment application 202 and / or the POS application 302 to provide information for creating the cryptocurrency wallet account prior to receiving the request at operation 802.

[0155] In at least one example, based on a determination that the identifier is not associated with a cryptocurrency wallet account (i.e., "NO" at operation 804), the cryptocurrency management component 110 can initiate processing to generate a new cryptocurrency wallet account. That is, in some examples, the merchant 306 may not have an account with the P2P payment platform. In some examples, the merchant 306 may have an account with the P2P payment platform but may not have chosen to use cryptocurrency on the P2P payment platform and / or may not have generated a cryptocurrency wallet account.

[0156] At operation 808, the cryptocurrency management component 110 may send a request for information to the merchant computing device 304 of the merchant 306. In some examples, the cryptocurrency management component 110 may send the request for information to a P2P payment platform associated with a payment processing platform and / or a mobile payment application 202 associated with a POS application 302. In at least one example, the mobile payment application 202 and / or the POS application 302 may present a user interface to prompt the merchant to enter information to generate a cryptocurrency wallet account. In some examples, the user interface may present terms of the virtual and / or digital currency, requested information for verification confirmation, and / or the like. In response to receiving the requested information (e.g., from the mobile payment application 202 and / or the POS application 302 (via the payment processing component 114), as shown at operation 810, the cryptocurrency management component 110 can generate a cryptocurrency wallet account for the merchant 306 and send the associated account information to the payment processing server 104, as shown at operation 812. In at least one example, the cryptocurrency wallet account can be associated with a user wallet key that can be stored in user account data associated with the user account of the merchant 306. In at least one example, such an account can be associated with a cryptocurrency ledger that can be associated with the user account of the merchant 306. In at least one example, the cryptocurrency wallet account can be associated with account information such as an address or other account identifier.

[0157] At operation 806, the cryptocurrency management component 110 may send account information associated with the cryptocurrency wallet account to the payment processing server 104.

[0158] At operation 814, the cryptocurrency management component 110 can receive a request to deposit a portion of the funds in the cryptocurrency wallet account. In at least one example, based at least in part on the capture of funds associated with the authorization request, the payment processing component 114 can transmit such a request to the P2P server 102, as shown in operation 718 of Figure 7 above. That is, the payment processing component 114 can transmit instructions to the P2P server 102 to deposit at least a portion of the captured funds in the cryptocurrency wallet account of the merchant 306.

[0159] In some examples, funds may be received in a currency different than cryptocurrency. Thus, in at least one example, the cryptocurrency management component 110 may convert the funds into cryptocurrency. For example, if funds are received in fiat currency and deposited at least partially as cryptocurrency (e.g., in a cryptocurrency wallet account of the merchant 306), the cryptocurrency management component 110 may determine a value to be paid to the merchant in cryptocurrency using an exchange rate between fiat currency and cryptocurrency for the portion of the funds deposited as cryptocurrency. That is, the cryptocurrency management component 110 may determine a number of cryptocurrency units equivalent to the portion of the fiat currency funds to be deposited in the cryptocurrency wallet account of the merchant 306. In some examples, the request may be associated with an indication of a value to be paid to the merchant in cryptocurrency (e.g., the payment processing component 114 may have already performed the conversion).

[0160] In operation 816, the cryptocurrency management component 110 may deposit a portion of the funds into the cryptocurrency wallet account. In some examples, the cryptocurrency management component 110 may receive instructions to debit a cryptocurrency ledger associated with the P2P payment platform and credit a cryptocurrency ledger associated with the merchant's 306 account with the same value or a value based on the same value. In some examples, the amount credited to the cryptocurrency ledger may be less than the same value based on a processing fee. In some examples, the amount credited to the cryptocurrency ledger may exceed the same value based on an incentive or reward. Crediting the merchant's 306 cryptocurrency ledger may increase the balance of the merchant's 306 cryptocurrency wallet account. In some examples, the credit may be applied to the cryptocurrency ledger when the funds and / or instructions are received. In some examples, the credit may be applied to the cryptocurrency ledger at a later time, which may be determined based on a current exchange rate, a trend in the exchange rate, an event (e.g., an instruction from the merchant 306, a number of transactions, a cryptocurrency value, a particular date and / or time, etc.), a rule (e.g., after a period of time has passed, a particular frequency, etc.), etc.

[0161] In some examples, the cryptocurrency management component 110 can use funds received from the payment processing server 104 to purchase cryptocurrency. In some examples, the cryptocurrency management component 110 can purchase cryptocurrency at the time the funds and / or instructions are received. In some examples, the cryptocurrency management component 110 can associate the funds with an appropriate ledger and purchase cryptocurrency at a later time, which may be determined based on current exchange rates, trends in exchange rates, events (e.g., instructions from a merchant 306, number of transactions, value of cryptocurrency, specific dates and / or times, etc.), rules (e.g., after a period of time, at a specific frequency, etc.), etc.

[0162] In some examples, the cryptocurrency management component 116 can purchase cryptocurrency based on the above conversions or can otherwise allocate cryptocurrency to a user (e.g., based on a balance ledger of a payment processing platform) and can associate such cryptocurrency with a cryptocurrency deposit instruction 514. In such examples, the cryptocurrency management component 110 can receive funds in the currency to be deposited in the cryptocurrency wallet account and can deposit funds into the cryptocurrency wallet account of the merchant 306.

[0163] 9A-17 illustrate example graphical user interfaces (GUIs) that can present information to facilitate the techniques described herein. The GUIs illustrated in FIGS. 9A-17 are merely examples, and in additional or alternative examples, the content and / or configuration may differ from that shown. Furthermore, although described as a graphical user interface, in additional or alternative examples, the same or similar data may be output via additional or alternative interfaces, such as an audio user interface (e.g., sound). The GUIs are described below with reference to user interface elements. Such elements may be graphics, text, logos, images, videos, etc. In some examples, such elements may be associated with an actuation mechanism and therefore may be interactable or selectable. Further details are provided below.

[0164] FIG. 9A illustrates an example of a GUI 900 for receiving merchant input associated with a payment allocation. As described herein, the POS application 302, via the merchant computing device 304, can present information via a user interface, such as the GUI 900. In at least one example, the GUI 900 can include one or more user interface elements 902 that enable the merchant 306 to specify how funds received from a payment for a transaction processed by the payment processing platform should be allocated among the merchant's 306 accounts. In some examples, if the merchant 306 has only one account, the merchant 306 may not have the option to allocate funds among the accounts. In some examples, the merchant 306 may be presented with an option to allocate funds among the accounts, and if the merchant 306 does not have an account set up, the techniques described herein can facilitate account creation for the merchant 306. For example, if the merchant 306 (e.g., the merchant's account) is not associated with a cryptocurrency wallet account, the P2P payment platform can facilitate the creation of such an account, as described above. Further details are provided below.

[0165] In some examples, the GUI 900 may be presented to allow the merchant 306 to specify percentages or other portions of funds to be allocated to different accounts. In some examples, such settings may be associated with merchant accounts such that when the payment processing component 114 determines the amount to allocate to one or more accounts (e.g., in box 4 of FIG. 5 or box 2 of FIG. 6), such settings may indicate that amount. In some examples, if the merchant 306 has multiple accounts of the same type (e.g., multiple cryptocurrency wallet accounts), the merchant 306 may specify the cryptocurrency wallet account to which the funds should be deposited.

[0166] In some examples, as described above, the merchant 306 may indicate that they want funds allocated among multiple accounts, but may not specify percentages, etc. In some examples, the payment processing component 114 may utilize machine learning models, etc., as described above, to determine how to allocate funds among multiple accounts.

[0167] In at least one example, inputs to the GUI 900 can be sent from the POS application 302 to the payment processing server 104 and in some examples can be stored in association with a merchant account of the merchant 306. In some examples, the GUI 900 can apply settings that apply to all transactions until the settings are updated or ignored.

[0168] In some examples, the merchant 306 may provide input on a per transaction basis. That is, in some examples, as shown in FIG. 9B, the POS application 302 may present a GUI 904 that allows the merchant 306 to indicate that a portion of funds associated with the current transaction should be deposited in the merchant's 306 cryptocurrency wallet account. As shown in FIG. 9B, the GUI 904 may include one or more user interface elements 906 that represent transaction data associated with the transaction. In at least one example, the GUI 904 may include a user interface element 908 that allows the merchant 306 to toggle on or off a payment or partial payment in cryptocurrency. In at least one example, the GUI 904 may include a user interface element 910 that allows the merchant 306 to specify a percentage of funds associated with the transaction that will be deposited in the merchant's 306 cryptocurrency wallet account. 9B, the user interface element 910 can comprise a slider, where a first user interface element (e.g., a knob or lever) can be moved relative to a second user interface element (e.g., a bar) to control a variable (e.g., a percentage of funds to be deposited in the cryptocurrency wallet account of the merchant 306). In at least one example, based at least in part on the merchant 306 interacting with the user interface element 910, the POS application 302 can send such an indication (e.g., that the merchant 306 would like to have a portion of the funds associated with this transaction allocated to the cryptocurrency wallet account, and in some examples an amount specified by the merchant 306).

[0169] In some examples, a wireless control, checkbox, or other actuation mechanism may be presented via the GUI 904 to indicate that the merchant 306 wishes to receive at least a portion of the funds associated with the transaction via cryptocurrency. In some such examples, the payment processing component 114 may check the merchant's account to determine whether the account is associated with settings or other rules that indicate a default amount to allocate to the merchant's 306 cryptocurrency wallet account. In some such examples, the payment processing component 114 may automatically determine the amount to allocate to the merchant's 306 cryptocurrency wallet account using one or more machine-learned models, as described above.

[0170] 9A and 9B illustrate a GUI that may be presented via the POS application 302, in some examples, the merchant 306 may provide instructions to allocate a portion of the funds received from their transaction to their cryptocurrency wallet account via the mobile payment application 202. Additionally, in some examples, such instructions may be provided via a third party platform integrated with the P2P payment platform and / or the payment processing platform.

[0171] FIG. 10 illustrates an exemplary GUI 1000 for providing information for generating a cryptocurrency wallet, as described herein. In some examples, the P2P payment platform can cause the GUI 1000 to be presented on a user computing device 204 via a mobile application 202. In some examples, the user computing device 204 is the same computing device as the merchant computing device 304. In at least one example, the GUI 1000 can include one or more user interface elements 1002 for prompting the merchant 306 to provide information (e.g., a user identifier, a password, a name, an account number, etc.) to facilitate account creation. In at least one example, the GUI 1000 can correspond to a “setup user interface” that allows the merchant 306 to input information for generating a cryptocurrency wallet account. In at least one example, the GUI 1000 can include an actuation mechanism 1004 that, when actuated, can cause the mobile payment application 202 to send such instructions (and the information entered via the GUI 1000) to the cryptocurrency management component 110. The cryptocurrency management component 110 may generate a cryptocurrency wallet account for the merchant 306. In at least one example, generating such a wallet account may cause a data structure to be generated and associated with an address to indicate the location of the data structure. In at least one example, one or more cryptocurrency ledgers may be mapped to or otherwise associated with the data structure. In at least one example, based at least in part on the generation of the cryptocurrency wallet account, the cryptocurrency management component 110 may cause a new GUI 1100 to be presented via the mobile payment application 202, as shown in FIG. 11 .

[0172] 11 illustrates an exemplary GUI 1100 for presenting information related to a cryptocurrency wallet account of a merchant 306. In at least one example, the GUI 1100 can include one or more user interface elements 1102 that show account details associated with the cryptocurrency wallet account of the merchant 306. In some examples, the GUI 1100 can include one or more actuation mechanisms 1104, 1106, 1108, 1110 that enable the merchant 306 to fund the cryptocurrency wallet account (e.g., “BUY” 1104 or “TRANSFER” 1106), share the destination of the cryptocurrency wallet account with other users or service providers (e.g., “COPY” 1108), and / or link the cryptocurrency wallet account to one or more other accounts of the merchant 306 (e.g., “LINK” 1110).

[0173] Although described as being presented via a mobile payment application 202, in some examples the same or similar GUIs 1000 and / or 1100 may be presented via a POS application 302, for example, via a merchant computing device 304.

[0174] FIG. 12 illustrates an example GUI 1200 for presenting activity information associated with a user account, as described herein. In at least one example, the P2P payment platform can aggregate data related to one or more accounts of a user for presentation via such GUI 1200. In at least one example, the GUI 1200 can include one or more user interface elements 1202 representing one or more transactions associated with one or more accounts of a user. In FIG. 12, two of the illustrated transactions are associated with a cryptocurrency wallet account of the merchant 306 (e.g., BTC transactions) and two of the illustrated transactions are associated with another account of the merchant 306 (e.g., fiat currency). In some examples, the GUI 1200 may not be able to present all of the transactions of the merchant 306 (e.g., due to space / size constraints of the display). Thus, in some examples, the GUI 1200 can include an actuation mechanism 1204 that allows the merchant 306 to view additional or alternative transactions and associated transaction data. In some examples, the merchant 306 can scroll or pan to view the additional or alternative data. In some examples, the GUI 1200 may include one or more user interface elements 1206 that represent other users with whom the merchant 306 has recently interacted (e.g., sent or received funds, participated in a transaction, etc.). In some examples, a user interface element 1206 may be selectable such that, when selected, the merchant 306 can access information related to the corresponding user (e.g., a user identifier, user contact information, transaction history with that user, etc.). In some examples, the GUI 1208 may include an actuation mechanism 1208 to enable the merchant 306 to retrieve transactions, users, or other information related to the P2P payment platform.

[0175] In some examples, each of the user interface elements 1202 can represent a batch of transactions. For example, an entry associated with the user interface element 1208 can represent cryptocurrency funds deposited based on an allocation from multiple transactions associated with the merchant 306. As described above, the payment processing component 114 and / or the cryptocurrency management component 110 can deposit a portion of the funds generated from the multiple transactions into a cryptocurrency wallet account of the merchant 306. Batching transactions together and performing the above conversions (e.g., from fiat currency to cryptocurrency) on the batch of transactions can provide efficiencies with respect to how those transactions are recorded on the blockchain. For example, recording each of the transactions individually can be computationally intensive and costly (due to the amount of data associated with generating blocks that are added to the blockchain). In contrast, by batching transactions together, the amount of data required to record related transactions together on the blockchain is less than if they were done individually.

[0176] In at least one example, the merchant 306 can interact with the user interface element 1208 (e.g., actuate an actuation mechanism associated therewith) to view details associated with the batch of transactions represented by the entry associated with the user interface element 1208. FIG. 13 illustrates an example GUI 1300 for allowing a user to view activity associated with multiple transactions that have been batched as described above. In at least one example, the GUI 1300 can include one or more user interface elements 1302 that represent transaction data associated with each of the transactions associated with the batch. If the user interface elements associated with each of the transactions do not fit on the GUI 1300, the merchant 306 can interact with the GUI 1300 to view additional data, for example, by interacting with an actuation mechanism 1304, scrolling, panning, etc.

[0177] As described herein, the P2P payment platform may manage one or more accounts for users associated therewith. In some examples, a user, such as the merchant 306, may wish to view information associated with one of the accounts (e.g., instead of an aggregate view as shown and described in FIG. 12). FIG. 14 illustrates an example GUI 1400 that may be presented to enable the merchant 306 to view activity data associated with a single account. That is, the GUI 1400 may present activity information related to the merchant's 306 cryptocurrency wallet account. In at least one example, the GUI 1400 may include one or more user interface elements 1402 that may represent one or more transactions involving a particular account (e.g., a cryptocurrency wallet account) of the merchant. As described above, the merchant 306 may buy or sell cryptocurrency via a private blockchain associated with the P2P payment platform or a public blockchain associated with the cryptocurrency network 212. In some examples, the P2P server 102 may facilitate such transactions. In at least one example, such transactions may be represented by the user interface elements 1402. As described above, the merchant 306 may transfer cryptocurrency funds from other cryptocurrency wallet accounts (e.g., third-party cryptocurrency wallet accounts) and such transactions may be represented by user interface elements 1402. In some examples, at least a portion of funds generated from a payment for a transaction processed by the payment processing platform may be deposited into the cryptocurrency wallet account of the merchant 306. Such transactions may be represented by user interface elements 1402. In at least one example, the GUI 1400 may include one or more mechanisms that enable the merchant 306 to buy cryptocurrency (e.g., actuation mechanism 1404), transfer cryptocurrency (e.g., actuation mechanism 1406), and / or sell cryptocurrency (e.g., actuation mechanism 1408).In some examples, the GUI 1400 may include one or more user interface elements 1410 that may provide information related to exchange rates and / or trends to enable the merchant 306 to determine when to purchase, transfer, and / or sell such funds.

[0178] 15 illustrates an exemplary GUI 1500 for setting parameters associated with a user's cryptocurrency wallet account, as described herein. In some examples, as described above, merchants 306 may set parameters associated with each of their accounts such that the P2P payment platform may utilize logic to ensure compliance with such parameters. GUI 1500 is an example of a GUI that allows a merchant 306 to specify a maximum amount of cryptocurrency to be held at a particular time. Such a specification may be provided to the cryptocurrency management component 110 to ensure that cryptocurrency is sold when the balance of the merchant's 306 cryptocurrency wallet account exceeds $5,000.

[0179] FIG. 16A illustrates an example GUI 1600 for presenting a notification of completion of a transaction and / or a summary of payment allocations associated with the transaction. As discussed above in at least one example, the payment processing component 114 can send a notification to the merchant computing device 304 indicating that the transaction is completed. In at least one example, the notification or a GUI generated therefrom can be presented via the POS application 302. The GUI 1600 is an example of such a GUI. In at least one example, the GUI 1600 can include one or more user interface elements 1602 representing one or more accounts to which funds have been allocated. The GUI 1600 is an example of a GUI 1600 that provides information related to a single transaction. However, as discussed above, in some examples, the payment processing component 114 can process multiple transactions (i.e., a batch of transactions) simultaneously. FIG. 16B illustrates an example GUI 1604 for presenting a notification of completion of a batch of transactions and / or a summary of payment allocations associated with a batch of transactions. The GUI 1604 can include one or more user interface elements 1606 representing one or more accounts to which funds have been allocated. In some examples, the merchant 306 can interact with each of the user interface elements 1606 to view additional transaction data, such as a breakdown of individual allocations per transaction.

[0180] FIG. 17 illustrates an exemplary GUI 1700 for enabling a merchant to provide instructions to convert fiat currency funds reserved for conversion to cryptocurrency at a time other than a default time. In some examples, as described above, the conversion from a first currency (e.g., fiat currency) to a second currency (e.g., cryptocurrency) may be performed when funds are captured for a particular transaction. In some examples, the conversion may be performed after a period of time, at a particular frequency, in response to an event, etc. In some examples, as described above, the payment processing component 114 and / or the cryptocurrency management component 110 may refrain from converting funds reserved from a transaction until a period of time has passed. In some examples, such a period of time may correspond to business hours of the merchant 306. In some examples, the frequency may correspond to a conversion period such as hourly, daily, weekly, etc. In some examples, the event may correspond to a date (e.g., end of month), a time (e.g., end of day), a number of transactions, a specified value, a conversion rate trend (e.g., the conversion rate is increasing or decreasing at a rate that meets a threshold), a request from a merchant, etc. In some examples, the payment processing platform may convert funds reserved from a deposit transaction to one or more merchant cryptocurrency wallet accounts associated with the payment processing platform upon a default time (e.g., after a period of time has passed, at a particular frequency, upon the occurrence of an event, etc.). In some examples, the merchant 306 may provide instructions, for example, via interaction with the GUI 1700, to convert the funds before or after the default time.

[0181] In at least one example, the GUI 1700 can include one or more user interface elements 1702 that represent transaction data associated with a transaction processed by the payment processing platform for the merchant 306. In at least one example, the GUI 1700 can include one or more user interface elements 1704 that provide an indication of an amount of funds (i.e., in fiat currency) that are pending from deposit to the merchant account. In at least one example, the GUI 1700 can include one or more user interface elements 1706 that provide data associated with a conversion rate between the fiat currency and one or more cryptocurrencies. In at least one example, the merchant 306 can monitor the conversion rate and can interact with an actuation mechanism 1708 associated with the GUI 1700 to effect the conversion at a particular time. In at least one example, based at least in part on detecting actuation of the actuation mechanism 1708, the payment processing component 114 can convert the fiat currency to crypto currency and / or send instructions to the cryptocurrency management component 110 to convert the fiat currency to crypto currency based at least in part on the current conversion rate.

[0182] 18 illustrates an example environment 1800. The environment 1800 includes a server computing device 1802 that can communicate with user devices 1806 (which in some examples may be merchant devices 1808 (individually, 1808(A)-1808(N)) and / or a server computing device 1810 associated with a third-party service provider) over a network 1804. The server computing device 1802 can be associated with a service provider 1812 that can provide one or more services for the benefit of a user 1814, as described below. Operations attributed to the service provider 1812 can be performed by the server computing device 1802.

[0183] In at least one example, such as when the P2P payment platform and the payment processing platform are associated with the same service provider (e.g., service provider 1812), the server computing device 1802 may correspond to the P2P server 102 and / or the payment processing server 104 described above with reference to Figure 1. In examples where the P2P payment platform and the payment processing platform are not associated with the same service provider, either the P2P server 102 or the payment processing server 104 may be associated with a server computing device 1810 associated with a third-party service provider. In at least one example, the network 1804 may correspond to the network 106 of Figure 1.

[0184] The environment 1800 may include a plurality of user devices 1806, as described above. Each of the user devices 1806 may correspond to a user computing device 126, as described above with reference to FIG. 1. Each of the plurality of user devices 1806 may be any type of computing device, such as a tablet computing device, a smartphone or mobile communication device, a laptop, netbook or other portable or semi-portable computer, a desktop computing device, a terminal computing device or other semi-stationary or stationary computing device, a dedicated device, a wearable or other body-worn computing device, an augmented reality device, a virtual reality device, an Internet of Things (IoT) device, or the like. In some examples, each of the user devices may be operable by a user 1814. The user 1814, which may correspond to the user 128 of FIG. 1, may be referred to as a customer, a buyer, a merchant, a seller, a borrower, an employee, an employer, a payer, a payee, a courier, or the like. The user 1814 may interact with the user device 1806 via a user interface presented via the user device 1806. In at least one example, the user interface may be presented via a web browser or the like. In other examples, the user interface may be presented via an application, such as a mobile application or a desktop application, which may be provided by the service provider 1812 or may otherwise be a dedicated application. In some examples, each of the user devices 1806 may have an instance or versioned instance of an application, e.g., downloadable from an application store, that may present a user interface as described herein. Examples of such applications include, for example, a mobile payment application 202, a POS application 302, etc.In at least one example, a user 1814 can interact with the user interface via touch input, voice input, or any other type of input.

[0185] As discussed above, in at least one example, the user 1814 can include merchants 1816 (individually, 1816(A)-1816(N)). In one example, the merchants 1816 can operate respective merchant devices 1808, which can be user devices 1806 configured for use by the merchants 1816. For purposes of this discussion, a "merchant" can be any entity that offers items (e.g., goods or services) for purchase or other acquisition (e.g., rent, borrow, negotiate, etc.). The merchants 1816 can offer items for purchase or other acquisition via brick-and-mortar stores, mobile stores (e.g., pop-up stores, food trucks, etc.), online stores, combinations of the foregoing, etc. In some examples, at least some of the merchants 1816 can be associated with the same entity but can have different merchant locations and / or can have franchise / franchisee relationships. In additional or alternative examples, the merchants 1816 can be different merchants. That is, in at least one example, merchant 1816(A) is a different merchant than merchant 1816(B) and / or merchant 1816(C).

[0186] For purposes of this description, "different merchants" may refer to two or more unrelated merchants. Thus, "different merchants" may refer to two or more merchants that are different legal entities (e.g., natural and / or corporate persons) that do not share accounting, employees, branding, etc. As used herein, "different merchants" have different names, employer identification numbers (EINs), lines of business (in some instances), inventory (or at least a portion thereof), etc. Thus, use of the term "different merchants" does not refer to merchants with different merchant locations or franchise / franchisee relationships. Such merchants with different store locations or franchise / franchisee relationships may be referred to as merchants with different merchant locations and / or different commerce channels.

[0187] Each merchant device 1808 may have an instance of a POS application 1818 stored thereon. The POS application 1818 may correspond to the POS application 302 described above with reference to FIG. 3. The POS application 1818 may configure the merchant device 1808 as a POS terminal, allowing a merchant 1816(A) to interact with one or more customers 1820. As described above, the user 1814 may include a customer, such as the customer 1820 shown interacting with the merchant 1816(A). For purposes of this discussion, a "customer" may be any entity that obtains items from a merchant. Although only two customers 1820 are shown in FIG. 18, any number of customers 1820 may interact with the merchant 1816. Additionally, although FIG. 18 shows the customer 1820 interacting with the merchant 1816(A), the customer 1820 may interact with any of the merchants 1816.

[0188] In at least one example, an interaction between a customer 1820 and a merchant 1816 involving an exchange of funds (from the customer 1820) and an item (from the merchant 1816) may be referred to as a “transaction.” In at least one example, the POS application 1818 may determine transaction data associated with the POS transaction. The transaction data may include payment information, user authentication data, purchase amount information, point of sale information (e.g., item purchased, purchase date, purchase time, etc.), which may be obtained from a reading device 1822 associated with the merchant device 1808(A). The POS application 1818 may transmit the transaction data to the server computing device 1802. Additionally, the POS application 1818 may present a UI to enable the merchant 1816(A) to interact with the POS application 1818 and / or the service provider 1812 via the POS application 1818.

[0189] In at least one example, the merchant device 1808(A) may be a dedicated computing device configured as a POS terminal (via execution of the POS application 1818). In at least one example, the POS terminal may be connected to a reading device 1822, as described below, that can accept various payment instruments, such as credit cards, debit cards, gift cards, near-field communication-based payment instruments, etc. In at least one example, the reading device 1822 may plug into a port in the merchant device 1808(A), such as a microphone port, headphone port, audio jack, data port, or other suitable port. In additional or alternative examples, the reading device 1822 may be coupled to the merchant device 1808(A) via another wired or wireless connection, such as via Bluetooth, BLE, etc. Additional details are described below with reference to FIG. 18. In some examples, the reading device 1822 may read information from alternative payment instruments, including, but not limited to, wristbands, etc.

[0190] In some examples, the reading device 1822 may physically interact with a payment device, such as a magnetic stripe payment card, an EMV payment card, and / or a near field communication (e.g., Near Field Communication (NFC), Radio Frequency Identification (RFID), Bluetooth, Bluetooth Low Energy (BLE), etc.) payment device (e.g., a card or device configured for tapping). The POS terminal may provide a rich user interface and communicate with the reading device 1822 and with a server computing device 1802, which may provide, among other services, a payment processing platform. The server computing device 1802, associated with a service provider 1812, may communicate with the server computing device 1810, as described below. In this manner, the POS terminal and the reading device 1822 may collectively process transactions between a merchant 1816 (e.g., merchants 1816(A)-1816(N)) and a customer 1820 (e.g., customer 1820(A)-1820(N)). In some examples, the POS terminal and the reading device may be configured in a one-to-one pairing. In other examples, the POS terminal and the reading device may be configured in a many-to-one pairing (e.g., one POS terminal coupled to multiple reading devices or multiple POS terminals coupled to one reading device). In some examples, there may be multiple POS terminals connected to several other devices, such as "secondary terminals", e.g., back-of-the-house systems, printers, line buster devices, POS readers, etc., to allow information from the secondary terminals to be shared between the primary POS terminal and the secondary terminals, e.g., via near-field communication technology. This type of configuration may also function to allow one device (e.g., secondary terminal) to continue to receive user input in an offline online scenario and to synchronize data with another device (e.g., primary terminal) when the primary or secondary terminal switches to online mode. In other examples, such data synchronization may occur periodically or at randomly selected time intervals.

[0191] Although the POS terminal and reading device 1822 of the POS system 1824 are shown as separate devices, in additional or alternative examples the POS terminal and reading device 1822 may be part of a single device. In some examples, the reading device 1822 may have a display integrated therein for presenting information to the customer 1820. In additional or alternative examples, the POS terminal may have a display integrated therein for presenting information to the customer 1820. A POS system such as the POS system 1824 may be mobile such that the POS terminal and reading device may process transactions in different locations around the world. The POS system may be used to process card present and card not present (CNP) transactions, as described below.

[0192] A card present transaction is one in which both the customer 1820 and their payment instrument are physically present at the time of the transaction. Card present transactions may be processed by swiping, dip, tapping, or any other interaction between a physical payment instrument (e.g., card) or other present payment instrument and the reading device 1822, whereby the reading device 1822 can obtain payment data from the payment instrument. A swipe is a card present transaction in which the customer 1820(A) slides a card or other payment instrument having a magnetic strip through the reading device 1822 which captures the payment data contained on the magnetic strip. A dip is a card present transaction in which the customer 1820(A) first inserts a payment instrument having an embedded microchip (i.e., chip) into the reading device 1822. The dipped payment instrument remains in the payment reader until the reading device 1822 prompts the customer 1820(A) to remove the card or other payment instrument. While the payment instrument is in the reading device 1822, the microchip can be sent from the POS system 1824 to the server computing device 1810 (which can be associated with an acquirer bank, an issuer, and / or a third party service provider offering payment services, including but not limited to a card payment network (e.g., Mastercard®, VISA®, etc.)) to create a one-time code that matches the same one-time code. A tap is a card presence transaction in which a customer 1820 taps or hovers their payment instrument (e.g., a card, an electronic device such as a smartphone running a payment application) over the reading device 1822 to complete the transaction via short-range communication (e.g., NFC, RFID, Bluetooth®, BLE, etc.). The short-range communication allows the payment instrument to exchange information with the reading device 1822. A tap is sometimes referred to as a contactless payment.

[0193] A CNP transaction is one in which a card or other payment instrument is not physically present at the POS, and as a result, payment data must be manually keyed in (e.g., by the merchant, customer, etc.) or payment data must be recalled from a card-on-file data store to complete the transaction.

[0194] In at least one example, a customer 1820(A) may interact with one of the user devices 1806 (e.g., customer device 1826). In at least one example, the customer device 1826 may have an instance of a mobile payment application 1828 installed thereon. The mobile payment application 1828 may correspond to the mobile payment application 202 described above with reference to FIG. 2. In at least one example, the mobile payment application 1828 may present one or more user interfaces to enable the customer 1820(A) to send and / or receive funds via the P2P payment platform, as described above. In some examples, the mobile payment application 108 may facilitate the creation and / or management of a cryptocurrency wallet account.

[0195] The POS system 1824, the server computing device 1802, and / or the server computing device 1810 can exchange payment information and transaction data to determine if the transaction is authorized. For example, the POS system 1824 can provide encrypted payment data, user authentication data, purchase amount information, point-of-purchase information, etc. (collectively, transaction data) to the server computing device 1802 over the network 1804. The server computing device 1802 can transmit a portion of the transaction data to the server computing device 1810 as described above and otherwise herein. As described above, in at least one example, the server computing device 1810 can be associated with a third party service provider that provides payment services, including, but not limited to, an acquiring bank, an issuer, and / or a card payment network (e.g., Mastercard®, VISA®, etc.).

[0196] For purposes of this discussion, a "payment service provider" may be acquiring bank ("acquirer"), issuing bank ("issuer"), card payment network, etc. In one example, an acquirer is a bank or financial institution that can process payments (e.g., credit or debit card payments) and assume risk on behalf of a merchant. An acquirer may be a registered member of a card association (e.g., Visa®, MasterCard®) and may be part of a card payment network. An acquirer (e.g., its associated server computing device 1810) may send a funds transfer request to a server computing device of a card payment network (e.g., Mastercard®, VISA®, etc.) to determine whether a transaction is authorized or delinquent. In at least one example, the service provider 1812 may act as an acquirer and connect directly to the card payment network.

[0197] The card payment network (e.g., a server computing device 1810 associated therewith) can forward the funds transfer request to an issuing bank (e.g., an “issuer”). An issuer is a bank or financial institution that provides a financial account (e.g., a credit or debit card account) to a user. The issuer can issue a payment card to a user and can make payments to an acquirer for purchases made by a cardholder to whom the issuing bank issued the payment card. The issuer (e.g., a server computing device 1810 associated therewith) can make a determination as to whether a customer has the ability to absorb associated fees associated with a payment transaction. In at least one example, a service provider 1812 can act as an issuer and / or can partner with an issuer. The transaction is approved or rejected by the issuer and / or the card payment network (e.g., a server computing device 1810 associated therewith), and a payment approval message is communicated from the issuer to the POS device via the opposite path to that described above or via an alternative path.

[0198] As described above, a server computing device 1810, which may be associated with a payment service provider, may determine whether a transaction is authorized based on the transaction data, as well as information about the parties to the transaction (e.g., the customer 1820 and / or the merchant 1816(A)). The server computing device 1810 may send an authorization notification over the network 1804 to the server computing device 1802, which may send an authorization notification over the network 1804 to the POS system 1824 to indicate whether the transaction is authorized. The server computing device 1802 may also send additional information, such as a transaction identifier, to the POS system 1824. In one example, the server computing device 1802 may include a merchant application and / or other functional components for communicating with the POS system 1824 and / or the server computing device 1810 to approve or deny the transaction.

[0199] Based on the approval notification received by the POS system 1824 from the server computing device 1802, the merchant 1816(A) may indicate to the customer 1820 whether the transaction was approved. In some examples, the approval may be indicated at the POS system 1824, e.g., on a display of the POS system 1824. In other examples, information regarding the approved transaction may be provided to a near-field communication payment device for presentation via a display of the smartphone or watch, e.g., with a smartphone or watch operating as a near-field communication payment device. In some examples, additional or alternative information may be further presented with the approved transaction notification, including, but not limited to, a receipt, special offers, coupons, or loyalty program information.

[0200] As mentioned above, the service provider 1812 may provide, among other services, a payment processing platform, inventory management services, catalog management services, business banking services, financial services, lending services, reservation management services, web development services, payroll services, employee management services, reservation services, loyalty tracking services, restaurant management services, order management services, fulfillment services, peer-to-peer payment services, onboarding services, identity verification (IDV) services, etc. In some examples, the user 1814 may have access to all of the service provider's 1812 services. In other examples, the user 1814 may have tiered access to services that may be based on risk tolerance, IDV output, subscription, etc. In at least one example, access to such services may be made available to the merchant 1816 via the POS application 1818. In additional or alternative examples, each service may be associated with its own access point (e.g., an application, a web browser, etc.).

[0201] The service provider 1812 may provide a payment processing platform for processing payments on behalf of the merchant 1816, as described above. For example, the service provider 1812 may provide payment processing software, payment processing hardware, and / or a payment processing platform, as described above, to the merchant 1816 to enable the merchant 1816 to receive payments from customers 1820 when conducting POS transactions with the customers 1820. For example, the service provider 1812 may enable the merchant 1816 to receive cash payments, payment card payments, and / or electronic payments from customers 1820 for POS transactions, and the service provider 1812 may process the transactions on behalf of the merchant 1816.

[0202] When the service provider 1812 processes a transaction on behalf of a merchant 1816, the service provider 1812 may maintain an account or balance for the merchant 1816 in one or more ledgers. For example, the service provider 1812 may analyze transaction data received for the transaction to determine an amount of funds to be paid to the merchant 1816(A) for the transaction. In at least one example, such amount may be the total purchase price less a fee charged by the service provider 1812 for providing a payment processing platform. Based on determining the amount of funds to be paid to the merchant 1816(A), the service provider 1812 may deposit funds into an account for the merchant 1816(A). The account may have a stored balance, which may be managed by the service provider 1812. The account may differ from a traditional bank account at least because the stored balance is managed by the service provider 1812 ledger and the associated funds are accessible via a variety of collection channels, including, but not limited to, scheduled deposits, same day deposits, immediate deposits, and linked payment instruments.

[0203] A scheduled deposit may occur when the service provider 1812 transfers funds associated with a stored balance of the merchant 1816(A) to the merchant's 1816(A) bank account held at a bank or other financial institution (e.g., associated with the server computing device 1810). A scheduled deposit may occur at a preset time after the POS transaction is funded, i.e., on a business day after the POS transaction occurs, or earlier or later. In some examples, the merchant 1816(A) may access the funds before the scheduled deposit. For example, the merchant 1816(A) may access a same-day deposit (e.g., in some examples before the POS transaction is funded, the service provider 1812 deposits funds from the stored balance to the merchant's linked bank account on the same day as the POS transaction) or an immediate deposit (e.g., the service provider 1812 deposits funds from the stored balance to the merchant's linked bank account upon request, such as in response to a request). Additionally, in at least one example, the merchant 1816(A) may have a payment instrument linked to the stored balance that allows the merchant to access funds without first transferring the funds from an account managed by the service provider 1812 to the merchant's 1816(A) bank account.

[0204] In at least one example, the service provider 1812 may provide inventory management services. That is, the service provider 1812 may provide inventory tracking and reporting. The inventory management services may enable the merchant 1816(A) to access and manage a database that stores data related to the quantity of each item available to the merchant 1816(A) (i.e., inventory). Additionally, in at least one example, the service provider 1812 may provide catalog management services to enable the merchant 1816(A) to maintain a catalog, which may be a database that stores data related to items available for acquisition to the merchant 1816(A) (i.e., catalog management services). In at least one example, the catalog may include a plurality of data items, where a data item of the plurality of data items may represent an item available for acquisition to the merchant 1861(A). The service provider 1812 may provide recommendations related to the price of the items, the placement of the items on the catalog, and multi-party fulfillment of the inventory.

[0205] In at least one example, the service provider 1812 can provide business banking services that enable a merchant 1816(A) to track deposits (from payment processing and / or other funding sources) to the merchant's 1816(A) account, payroll payments from the account (e.g., payments to employees of the merchant 1816(A)), payments to other merchants directly from the account or from a linked debit card, withdrawals made via scheduled and / or instant deposits, etc. Additionally, the business banking services enable a merchant 1816(A) to obtain customized payment instruments (e.g., credit cards), check how much money they are earning (e.g., via a presentation of available earned balance), understand where their money is going (e.g., via deposit reports (which may include a breakdown of fees), expense reports, etc.), access / spend money earned (e.g., via scheduled deposits, instant deposits, linked payment instruments, etc.), and feel in control of their money (e.g., management of deposit schedules, deposit speeds, linked instruments, etc.). Additionally, the business banking services can enable merchants 1816 to visualize their cash flow to track their financial health, set aside money for upcoming obligations (e.g., savings), organize their finances according to goals, etc.

[0206] In at least one example, service provider 1812 may offer financial services and products via business loans, consumer loans, fixed term loans, flexible term loans, etc. In at least one example, service provider 1812 may utilize one or more risk signals to determine whether to extend financing and / or terms associated with such financing.

[0207] In at least one example, the service provider 1812 may provide financial services to provide and / or lend loans to borrowers that, in some examples, are used to fund the borrower's short-term operational needs (e.g., capital loans). For example, a potential borrower who is a merchant may obtain a capital loan via a capital loan product to finance various operational costs (e.g., rent, payroll, inventory, etc.). In at least one example, the service provider 1812 may offer different types of capital loan products. For example, in at least one example, the service provider 1812 may offer a daily repayment loan product, where the capital loan is repaid daily, e.g., from a portion of transactions processed by the payment processing platform on behalf of the borrower. Additionally and / or alternatively, the service provider 1812 may offer a monthly repayment loan product, where the capital loan is repaid monthly, e.g., via debit from a bank account linked to the payment processing platform. The credit risk of the merchant may be evaluated using a risk model that considers factors such as payment volume, the credit risk of the similarly situated merchant, past transaction history, seasonality, credit history, etc.

[0208] Additionally or alternatively, the service provider 1812 may, in some examples, provide financial services to provide and / or lend loans to borrowers that will be used to finance the borrower's consumer purchases (e.g., consumer loans). In at least one example, a borrower may submit a request for a loan to enable the borrower to purchase an item from a merchant, which may be one of the merchants 1816. The service provider 1812 may generate the loan based, at least in part, on determining that the borrower has purchased or is about to purchase an item from a merchant. The loan may be associated with a balance based on the actual purchase price of the item, and the borrower may repay the loan over time. In some examples, the borrower may repay the loan via installments, which may be paid via funds managed and / or maintained by the service provider 1812 (e.g., from payments processed on behalf of the merchant, from payments paid to the merchant, from funds transferred to the merchant, etc.). The service provider 1812 may offer specific financial products, such as payment instruments, that are specifically tied to loan products. For example, in one implementation, the service provider 1812 associates capital with a merchant's or customer's debit card, and the use of the debit card is defined by the terms of the loan. In some instances, a merchant may only use the debit card to make certain purchases. In other instances, "installments" associated with a loan product are credited directly via the payment instrument. Thus, the payment instrument is customized to the loan and / or the parties associated with the loan.

[0209] The service provider 1812 may provide web development services that enable users 1814 who are not familiar with HTML, XML, Javascript, CSS, or other web design tools to create and maintain professional, aesthetically pleasing websites. Some of these web page editing applications allow users to build and / or modify web pages (e.g., change, add, or remove content associated with the web page). Additionally, the web development services may create and maintain other online omni-channel presences in addition to websites, such as social media posts. In some examples, the resulting web pages and / or other content items may be used to offer items for sale via an online / e-commerce platform. That is, the resulting web pages and / or other content items may be associated with an online store or offering by one or more merchants 1816. In at least one example, the service provider 1812 may recommend and / or generate content items to supplement the merchant's 1816 omni-channel presence. That is, if a merchant of merchant 1816 has a web page, service provider 1812, via web development or other services, can recommend and / or generate additional content items to be presented via other channels, such as social media, emailing, etc.

[0210] Additionally, service provider 1812 may provide payroll services that enable employers to pay employees for work performed on behalf of the employer. In at least one example, service provider 1812 may receive data including employee hours worked (e.g., through imported time cards and / or POS interactions), sales made by the employee, complimentary payments received by the employee, and the like. Based on such data, service provider 1812 may make payroll payments to employees on behalf of the employer via payroll services. For example, service provider 1812 may facilitate the transfer of a sum due for the employee's payroll from the employer's bank to the service provider's 1812's bank to be used to make the payment of the payroll. In at least one example, when the funds are received at the service provider's 1812's bank, service provider 1812 may pay the employee by check, direct deposit, or the like, often a day, a week, or more later when the work was actually performed by the employee. In an additional or alternative example, the service provider 1812 may enable employees to receive payment via same-day or instant deposit based at least in part on a risk and / or reliability analysis performed by the service provider 1812.

[0211] Additionally, in at least one example, service provider 1812 may provide employee management services for managing employee schedules. Additionally, the service provider 1812 may provide a scheduler for the user 1814 to schedule appointments and / or a reservation service to enable the user 1814 to schedule appointments.

[0212] In some examples, the service provider 1812 may provide restaurant management services to enable users 1814 to make and / or manage reservations, monitor the front-of-house and / or back-of-house, etc. In such examples, the merchant device 1808 and / or the server computing device 1802 may be configured to communicate with one or more other computing devices that may be located in the front-end of the house (e.g., a POS device) and / or the back-of-house (e.g., a kitchen display system (KDS)).

[0213] In at least one example, the service provider 1812 may provide order management services and / or fulfillment services to enable the restaurant to manage open tickets, split tickets, etc., and / or manage fulfillment services. In some examples, such services may be associated with a restaurant merchant, as described above. In additional or alternative examples, such services may be any type of merchant. In at least one example, the service provider 1812 may provide a fulfillment service that may use a courier for delivery, where the courier may travel between multiple locations to provide delivery services, photography services, etc. The courier may be a user 1814 that may travel between locations to perform a service (e.g., deliver, photograph, etc. an item) for the requesting user 1814. In some examples, the courier may receive compensation from the service provider 1812. The courier may use one or more vehicles, such as a car, bicycle, scooter, motorcycle, bus, airplane, helicopter, boat, skateboard, etc. However, in other examples, the courier may travel without a vehicle, on foot, or otherwise. Some examples discussed herein enable people to participate as couriers in a type of crowdsourced service economy, where essentially anyone with a mobile device can quickly become or not become a courier in a courier network offering the services described herein. In at least one example, a courier can be an unmanned aerial vehicle (e.g., a drone), an autonomous vehicle, or any other type of vehicle capable of receiving instructions to move between locations. In some examples, a service provider 1812 can receive requests for courier services via a user interface (e.g., an application, web browser, or other access point) presented via a respective device 1806, automatically assign the request to an active courier, and communicate delivery instructions to the courier.

[0214] In some examples, service provider 1812 may provide omni-channel fulfillment services. For example, if a customer places an order with a merchant and the merchant is unable to fulfill the order because one or more items are out of stock or otherwise unavailable, service provider 1812 may leverage other merchants and / or sales channels that are part of the service provider's 1812 platform to fulfill the customer's order. That is, another merchant may provide one or more items to fulfill the customer's order. Additionally, in some examples, another sales channel (e.g., online, brick-and-mortar store, etc.) may be used to fulfill the customer's order.

[0215] In some examples, the service provider 1812 can enable conversational commerce via a conversational commerce service, which can use one or more machine learning mechanisms to analyze messages exchanged between two or more users 1814, voice inputs to a virtual assistant, etc. to determine the intent of the users 1814. In some examples, the service provider 1812 can utilize the determined intent to automate customer service, offer promotions, provide recommendations, or otherwise interact with customers in real time. In at least one example, the service provider 1812 can integrate products and services, and payment mechanisms into a communications platform (e.g., messaging, etc.) to enable customers to make purchases or other transactions without having to call, email, or visit a merchant's web page or other channel. That is, conversational commerce alleviates the need for customers to switch back and forth between conversations and web pages to gather information and make purchases.

[0216] In at least one example, a service provider 1812 (e.g., server computing device 1802) can provide P2P payment services via a P2P payment platform described herein that enables P2P payments between two or more users 1814. In at least one example, the service provider 1812 can communicate with an instance of a payment application (or other access point) installed on a device 1806 configured for operation by a user, such as a customer 1820(A)-1820(N). An example of such a payment application is the mobile payment application 1828 described above, which may be installed on a customer device 1826. In one example, an instance of a payment application executing on a first device operated by a payer can send a request (e.g., a P2P payment) to the service provider 1812 to transfer an amount of funds (e.g., fiat currency or non-fiat currency, e.g., cryptocurrencies, securities, and related assets) from a payer's account to a payee's account. In at least one example, a customer 1820(A) can be a payer and / or payee (i.e., a user), and a payment processing platform described herein can be a payer and / or payee on behalf of one or more merchants. A service provider 1812 can facilitate the transfer and can send a notification to an instance of a payment application running on a second mobile device operated by the payee that the transfer is in process (or has been completed). In some examples, the service provider 1812 can send additional or alternative information to the instance of the payment application (e.g., low balance to the payer, current balance to the payer or payee, etc.). In some implementations, the payer and / or payee can be automatically identified based on, for example, context, proximity, prior transaction history, etc. In other examples, the payee can send a request for funds to the payer before the payer initiates the transfer of funds. The funds to be transferred can be associated with any digital currency type, including but not limited to cash, cryptocurrency, etc.In some embodiments, the service provider 1812 funds the request to the payee on behalf of the payor, speeding up the transfer process and compensating for any delays that may be caused by the payer's financial network.

[0217] In some implementations, the service provider 1812 can initiate a P2P payment transaction through an identification of a "payment proxy" with a particular syntax. For example, the syntax includes a monetary currency indicator prefixed with one or more alphanumeric characters (e.g., $Cash). The currency indicator acts as a tagging mechanism that indicates to the computer system to treat the input as a request from the sender to transfer cash, and detection of the syntax (including one or more alphanumeric characters tagged with the currency indicator) initiates the transfer of cash. The currency indicator can correspond to various currencies, including but not limited to dollars ($), euros (EUR), pounds (GBP), rupees (?), yuan (\), etc. Although the use of the dollar currency indicator ($) is used herein, it should be understood that any currency symbol may be used equally. The P2P transaction can be initiated through a particular application running on the user device 1806 (e.g., mobile payment application 1828).

[0218] In some embodiments, P2P processing may be implemented within a forum context. The term "forum" as used herein refers to a media channel of a content provider (e.g., a social networking platform, a microblog, a blog, a video sharing platform, a music sharing platform, etc.) that enables user interaction and engagement via comments, posts, messages on electronic bulletin boards, messages on social networking platforms, and / or any other type of messages. A forum may be employed by a content provider to enable users of the forum to interact with one another (e.g., through creating messages, posting comments, etc.). In some embodiments, a "forum" may also refer to an application or web page of an e-commerce or retail organization offering products and / or services. Such websites may provide online "forms" to be completed before or after a product or service is added to a virtual cart. The online form may include one or more fields for receiving user interaction and engagement. Examples include the user's name and other identifying information, the user's shipping address, etc. Some of these fields may be configured to receive payment information, such as a payment proxy, in lieu of other types of payment mechanisms, such as credit cards, debit cards, prepaid cards, gift cards, virtual wallets, etc.

[0219] In some embodiments, P2P processing may be implemented within a communication application context, such as a messaging application context. The term “messaging application,” as used herein, refers to any messaging application that enables communication between users (e.g., senders and recipients of messages) over a wired or wireless communication network through the use of communication messages. The messaging application may be employed by a service provider 1812. For example, the service provider 1812 may provide a messaging service that provides communication services to users via the messaging application (e.g., chat or messaging capabilities). The messaging application may include, for example, a text messaging application for communication between phones (e.g., traditional cell phones or smartphones), or a cross-platform instant messaging application for smartphones and phones that use the Internet for communication. The messaging application may execute on a user device 1806 (e.g., a mobile terminal or a traditional personal computer (PC)) based on instructions transmitted to and from a server computing device 1802 (which may be referred to as a “messaging server” in such examples). In some examples, the messaging application may include a payment application with messaging capabilities that enable users of the payment application to communicate with each other. In such an example, a payment application may be executed on the user device 1806 based on instructions transmitted to or from the server computing device 1802 (e.g., a payment service discussed herein or another payment service that supports payment transactions).

[0220] In at least some embodiments, the P2P processing can be implemented within a landing page context. The term "landing page," as used herein, refers to a virtual location identified by a personalized location address that is dedicated to collecting payments on behalf of a recipient associated with the personalized location address. The personalized location address that identifies the landing page can include a payment proxy as described above. The service provider 1812 can generate the landing page to enable a recipient to conveniently receive one or more payments from one or more senders. In some embodiments, the personalized location address that identifies the landing page is a uniform resource locator (URL) that incorporates a payment proxy. In such an embodiment, the landing page is a web page, e.g., www.cash.me / $cash.

[0221] In at least one example, a customer 1820(A) may be new to the service provider 1812, such that the customer 1820(A) is not registered with the service provider 1812 (e.g., subscribing to receive access to one or more services offered by the service provider). The service provider 1812 may provide onboarding services to register potential customers 1820(A) with the service provider 1812. In some examples, onboarding may involve presenting various questions, prompts, etc. to the potential customer 1820(A) to obtain information that may be used to generate a profile for the potential customer 1820(A). In at least one example, the service provider 1812 may provide limited or short-term access to its services prior to or during onboarding (e.g., a customer of a peer-to-peer payment service may transfer and / or receive funds before being fully onboarded, a merchant may process payments before being fully onboarded, etc.). In at least one example, in response to a potential customer 1820(A) providing all necessary information, the potential customer 1820(A) may be onboarded to the service provider 1812. In such an example, any limited or short-term access to the services of the service provider 1812 may be transitioned to more permissive (e.g., less limited) or longer-term access to such services.

[0222] The service provider 1812 may be associated with an IDV service that may be used by the service provider 1812 for compliance purposes and / or may be provided as a service, for example, to a third party service provider (e.g., associated with the server computing device 1810). That is, the service provider 1812 may provide an IDV service to verify the identity of a user 1814 who uses or attempts to use their services. Identity verification requires a customer (or potential customer) to provide information used by a compliance department to prove that the information is associated with the identity of a real person or entity. In at least one example, the service provider 1812 may perform a service to determine whether the identification information provided by the user 1814 accurately identifies the customer (or potential customer) (i.e., are they the customer they say they are?).

[0223] Service provider 1812 may provide additional or alternative services, and the services described above are provided as a sampling of services. In at least one example, service provider 1812 may exchange data with server computing device 1810 associated with a third-party service provider. Such third-party service provider may provide information that enables service provider 1812 to provide services such as those described above. In additional or alternative examples, such third-party service provider may access the services of service provider 1812. That is, in some examples, the third-party service provider may subscribe to or otherwise have access to the services of service provider 1812.

[0224] The techniques described herein can be configured to operate in both real-time / online and offline modes. An "online" mode refers to a mode when the device is able to communicate with the service provider 1812 (e.g., the server computing device 1802) and / or the server computing device 1810 over the network 1804. In some examples, the merchant device 1808 is unable to connect with the service provider 1812 (e.g., the server computing device 1802) and / or the server computing device 1810, e.g., due to network connectivity issues. In additional or alternative examples, the server computing device 1802 is unable to communicate with the server computing device 1810, e.g., due to network connectivity issues. In such examples, the device may operate in an "offline" mode in which at least some payment data is stored (e.g., on the merchant device 1808 and / or the server computing device 1802) until connectivity is restored and the payment data can be transmitted to the server computing device 1802 and / or the server computing device 1810 for processing.

[0225] In at least one example, service provider 1812 may be associated with a hub, such as an order hub, an inventory hub, a fulfillment hub, etc., that may enable integration with one or more additional service providers (e.g., associated with additional server computing device 1810). In some examples, such additional service providers may offer additional or alternative services, and service provider 1812 may provide an interface or other computer-readable instructions for integrating the functionality of service provider 1812 with the one or more additional service providers.

[0226] The techniques described herein are directed to services provided via a distributed system of user devices 1806 in communication with one or more server computing devices 1802 of a service provider 1812. That is, the techniques described herein are directed to a particular implementation, or practical application, that utilizes a distributed system of user devices 1806 in communication with one or more server computing devices 1802 of a service provider 1812 to perform various services, as described above. The non-traditional configuration of the distributed system described herein enables the server computing device 1802, located remotely from the end user (e.g., user 1814), to intelligently provide services, in near real-time, in some examples, based on aggregated data associated with the end user, such as user 1814 (e.g., data associated with multiple, different merchants and / or multiple different purchasers). Thus, the techniques described herein are directed to a particular configuration of elements that provide technical improvements over traditional techniques for running payment processing platforms and the like. In particular, for small business owners, the business environment is typically fragmented and dependent on unrelated tools and programs, making it difficult for the owner to manually consolidate and view such data. The techniques described herein constantly or periodically monitor disparate and separate merchant accounts, e.g., accounts within the control of the service provider 1812 and accounts outside the control of the service provider 1812, to track the state of the merchant's business (accounts payable, accounts receivable, payroll, invoices, reservations, capital, etc.). The techniques herein provide a unified view of the merchant's cash flow, predict needs, preemptively provide recommendations or services such as capital, coupons, and / or enable the movement of money between disparate accounts (merchant, another merchant, or payment service) in a frictionless and transparent manner.

[0227] As described herein, artificial intelligence, machine learning, and the like can be used to dynamically make decisions, recommendations, and the like, thereby adding intelligence and context awareness to an otherwise one-size-fits-all approach to provide the payment processing platform and / or additional or alternative services described herein. In some implementations, a distributed system can apply intelligence derived from an existing user base to new users, thereby providing a personalized and reduced friction onboarding experience for new users compared to traditional onboarding methods. Thus, the techniques described herein improve upon existing techniques processes.

[0228] As mentioned above, various graphical user interfaces (GUIs) may be presented to facilitate the techniques described herein. Some of the techniques described herein are directed to user interface features presented via the GUI to improve interaction between a user 1814 and a user device 1806. Furthermore, such features are dynamically changed based on a profile of a user engaged in interacting with the GUI. Thus, the techniques described herein are directed to improvements in computing systems.

[0229] As is evident from the above discussion, any of the methods discussed herein may be implemented by a computer. In other words, a data processing apparatus, device or system may include means for implementing any of the steps of the methods disclosed herein. A computer program may include instructions that, when executed by a computer, cause the computer to perform any of the steps of the methods disclosed herein. Finally, a computer-readable medium may include instructions that, when executed by a computer, cause the computer to perform any of the steps of the methods disclosed herein.

[0230] 19 illustrates an example block diagram illustrating a system 1900 for performing the techniques described herein. The system 1900 includes a user device 1902 that communicates with a server computing device (e.g., a server 1904) via a network 1906 (e.g., the Internet, a cable network, a cellular network, a cloud network, a wireless network (e.g., Wi-Fi), and a wired network) and a short-range communication such as Bluetooth, Bluetooth Low Energy (BLE), etc. Although a single user device 1902 is shown, in additional or alternative examples the system 1900 can have multiple user devices, as described above with reference to FIG.

[0231] In at least one example, user computing device 128 of Figure 1 may correspond to user device 1902. Additionally or alternatively, user computing devices 204 and / or 206 of Figure 2 and / or merchant computing device 304 of Figure 3 may correspond to user device 1902. In at least one example, P2P server 102 and / or payment processing server 104 may correspond to server 1904. In at least one example, network 106 may correspond to network 1906.

[0232] In at least one example, the user device 1902 may be any suitable type of computing device, e.g., portable, semi-portable, semi-stationary, or stationary. Some examples of the user device 1902 may include, but are not limited to, a tablet computing device, a smartphone or mobile communication device, a laptop, netbook or other portable or semi-portable computer, a desktop computing device, a terminal computing device or other semi-stationary or stationary computing device, a dedicated device, a wearable or other body-worn computing device, an augmented reality device, a virtual reality device, an Internet of Things (IoT) device, and the like. That is, the user device 1902 may be any computing device capable of transmitting communications and performing functions in accordance with the techniques described herein. The user device 1902 may include devices such as a payment card reader or components capable of accepting payments, as described below.

[0233] In the depicted example, user device 1902 includes one or more processors 1908, one or more computer-readable media 1910, one or more communication interfaces 1912, one or more input / output (I / O) devices 1914, a display 1916, and sensors 1918.

[0234] In at least one example, each processor 1908 may itself comprise one or more processors or processing cores. For example, the processor 1908 may be implemented as one or more microprocessors, microcomputers, microcontrollers, digital signal processors, central processing units, state machines, logic circuits, and / or any device that manipulates signals based on operational instructions. In some examples, the processor(s) 1908 may be one or more hardware processors and / or logic circuits of any suitable type that are specifically programmed or configured to execute the algorithms and processes described herein. The processor 1908 may be configured to fetch and execute computer-readable processor-executable instructions stored on a computer-readable medium 1910.

[0235] Depending on the configuration of the user device 1902, the computer readable medium 1910 may be an example of a tangible, non-transitory computer storage medium and may include volatile and non-volatile memory and / or removable and non-removable media implemented in any type of technology for storage of information such as computer readable processor executable instructions, data structures, program modules, or other data. The computer readable medium 1910 may include, but is not limited to, RAM, ROM, EEPROM, flash memory, solid state storage, magnetic disk storage, optical storage, and / or other computer readable media technologies. Furthermore, in some examples, the user device 1902 may have access to external storage devices such as a RAID storage system, a storage array, network attached storage, storage area network, cloud storage, or any other medium that may be used to store information and that may be accessed by the processor 1908 directly or through another computing device or network. Thus, the computer readable medium 1910 may be a computer storage medium capable of storing instructions, modules, or components that may be executed by the processor 1908. Additionally, when referred to, non-transitory computer readable media excludes media such as energy, carrier signals, electromagnetic waves, and the signals themselves.

[0236] The computer-readable medium 1910 may be used to store and maintain any number of functional components executable by the processor 1908. In some implementations, these functional components comprise instructions or programs executable by the processor 1908 that, when executed, implement operational logic for performing the operations and services described above on the user device 1902. The functional components stored on the computer-readable medium 1910 may include a user interface 1920 to allow a user to interact with the user device 1902 and thus the server 1904 and / or other network devices. In at least one example, the user interface 1920 may be presented via a web browser or the like. In other examples, the user interface 1920 may be presented via an application, such as a mobile application or a desktop application, which may be provided by the service provider 1812 associated with the server 1904 or may be another dedicated application. For example, the user interface 1920 may be presented via the mobile payment application 202 or the POS application 302 described above with reference to FIG. 2 or FIG. 3, respectively. In at least one example, a user may interact with the user interface via touch input, voice input, gestures, or any other type of input. The word "input" is also used to describe "contextual" input that may not be directly provided by a user via the user interface 1920. For example, a user's interaction with the user interface 1920 may be analyzed, for example, using natural language processing techniques to determine the user's context or intent, which may be processed in a similar manner as "direct" user input.

[0237] Depending on the type of user device 1902, the computer readable medium 1910 may also optionally include other functional components and data, such as other modules and data 1922, which may include programs, drivers, etc., as well as data used or generated by the functional components. Additionally, the computer readable medium 1910 may also store data, data structures, etc. used by the functional components. Additionally, the user device 1902 may include many other logical, programmatic, and physical components, the illustrated components of which are merely examples relevant to the description herein.

[0238] In at least one example, the computer-readable medium 1910 may include additional functional components, such as an operating system 1924 for controlling and managing various functions of the user device 1902 and enabling basic user interaction.

[0239] The communication interface 1912 may include one or more interfaces and hardware components for enabling communication with various other devices, such as over the network 1906 or directly. For example, the communication interface 1912 may enable communication over one or more networks 1906, which may include any type of network known in the art, such as, but not limited to, a local area network or a wide area network such as the Internet, a wireless network such as a cellular network, a cloud network, a local wireless network such as Wi-Fi, and / or a near field communication such as Bluetooth, BLE, NFC, RFID, a wired network, or any other such network, or any combination thereof. Thus, the network(s) 1906 may include both wired and / or wireless communication technologies, including Bluetooth, BLE, Wi-Fi, and cellular communication technologies, as well as wired or fiber optic technologies. The components used for such communication may depend at least in part on the type of network, the environment selected, or both. Protocols for communicating over such networks are well known and will not be described in detail herein.

[0240] Embodiments of the present disclosure may be provided to users through a cloud computing infrastructure. Cloud computing refers to the provision of scalable computing resources as a service over a network, enabling convenient, on-demand network access to a shared pool of configurable computing resources that can be rapidly provisioned and released with minimal administrative effort or service provider interaction. Thus, cloud computing allows users to access virtual computing resources (e.g., storage, data, applications, and complete virtualized computing systems) in the "cloud" regardless of the underlying physical systems used to provide the computing resources (or the location of those systems).

[0241] The user device 1902 may further include one or more input / output (I / O) devices 1914. The I / O devices 1914 may include speakers, microphones, cameras, and various user controls (e.g., buttons, joysticks, keyboards, keypads, etc.), tactile output devices, etc. The I / O devices 1914 may also include attachments that utilize accessories (audio jacks, USB-C, Bluetooth, etc.) to connect with the user device 1902.

[0242] In at least one example, the user device 1902 can include a display 1916. Depending on the type of computing device used as the user device 1902, the display 1916 can use any suitable display technology. For example, the display 1916 can be a liquid crystal display, a plasma display, a light emitting diode display, an OLED (organic light emitting diode) display, an electronic paper display, or any other suitable type of display capable of presenting digital content thereon. In at least one example, the display 1916 can be an augmented reality display, a virtual reality display, or any other display capable of presenting and / or projecting digital content. In some examples, the display 1916 can have a touch sensor associated with the display 1916 to provide a touch screen display configured to receive touch input to enable interaction with a graphical interface presented on the display 1916. Thus, implementations herein are not limited to any particular display technology. Alternatively, in some examples, the user device 1902 may not include a display 1916, and information may be presented by other means, such as audibly, tactilely, etc.

[0243] In addition, the user device 1902 may include sensors 1918. The sensors 1918 may include a GPS device capable of indicating location information. Further, the sensors 1918 may include, but are not limited to, an accelerometer, a gyroscope, a compass, a proximity sensor, a camera, a microphone, and / or a switch. In at least one example, the sensors 140 may correspond to the sensors 1918 described herein.

[0244] In some examples, a GPS device may be used to identify the location of a user. In at least one example, the location of a user may be used by the service provider 1812 described above to provide one or more services. That is, in some examples, the service provider 1812 may implement geofencing to provide a particular service to a user. As an example, a rental service may use the location to verify that the stated purpose of the rental corresponds to the evidence of use (e.g., does the user's use of the rental match what the user said they would use for themselves?). Additionally, in some examples, the location may be used for payroll purposes. As an example, when a contractor completes a project, the contractor may provide a geotagged image (e.g., tagged based on location information available by a GPS device). In some examples, the location may be used to facilitate peer-to-peer payments between nearby users 1714 and / or to send the user 1714 notifications regarding available reservations with merchant(s) located in proximity to the user 1714. In at least one example, the location can be used to accept payment from a nearby customer upon exiting a geofence, or the location can be used to initiate an action in response to a user 1714 entering a merchant's brick-and-mortar store. The location can be used in additional or alternative ways.

[0245] In addition, the user device 1902 may include various other components not shown, examples of which include removable storage, a power source such as a battery and power control unit, a barcode scanner, a printer, a cash drawer, etc.

[0246] Additionally, in some examples, the user device 1902 may include, be connectable to, or otherwise coupled to a reading device 1926 to read a payment instrument and / or identifier associated with a payment purpose. In some examples, the reading device 1926 may plug into a port in the user device 1902, such as a microphone port, a headphone port, an audio jack, a data port, or other suitable port, as described above. In additional or alternative examples, the reading device 1926 may be coupled to the user device 1902 via another wired or wireless connection, such as via Bluetooth, BLE, or the like. The reading device 1926 may include a read head for reading the magnetic strip of a payment card and may further include encryption technology for encrypting information read from the magnetic strip. Additionally or alternatively, the reading device 1926 may be an EMV payment reader, which may be embedded in the user device 1902 in some examples. Further, numerous other types of readers may be used with the user device 1902 herein, depending on the type and configuration of the user device 1902.

[0247] The reading device 1926 may be a portable magnetic stripe card reader, an optical scanner, a smart card (card with an embedded IC chip) reader (e.g., an EMV compliant card reader or a short-range capable reader), an RFID reader, etc., and is configured to detect and acquire data from any payment instrument. Thus, the reading device 1926 may include hardware implementations such as slots, magnetic tracks, and rails with one or more sensors or electrical contacts to facilitate detection and acceptance of the payment instrument. That is, the reading device 1926 may include hardware implementations that enable the reading device 1926 to interact with a payment instrument via a swipe (i.e., a card presence transaction in which a customer slides a card having a magnetic strip through a payment read that captures the payment data contained on the magnetic strip), a dip (i.e., a card presence transaction in which a customer first inserts a card having an embedded microchip (i.e., chip) into the payment read until the payment read prompts the customer to remove the card), or a tap (i.e., a card presence transaction in which a customer taps or hovers their electronic device, such as a smartphone running a payment application, to complete the transaction via short-range communication). Additionally or optionally, the reading device 1926 may also include a biometric sensor for receiving and processing biometric characteristics and treating them as a payment instrument, provided that the biometric characteristics are registered with the payment processing platform and / or P2P payment platform and connected to a financial account using a bank server.

[0248] The reading device 1926 may include a processing unit, a computer readable medium, a reading chip, a transaction chip, a timer, a clock, a network interface, a power supply, and the like. The reading device 1926 processing unit(s) may execute one or more modules and / or processes to cause the reading device 1926 to perform various functions as described above and in further detail in the following disclosure. In some examples, the processing unit may include a central processing unit (CPU), a graphics processing unit (GPU), a CPU and a GPU, or other processing units or components known in the art. Additionally, each of the processing unit(s) may possess its own local memory that may also store program modules, program data, and / or one or more operating systems. Depending on the exact configuration and type of the reading device 1926, the computer readable medium may include volatile memory (such as RAM), non-volatile memory (such as ROM, flash memory, small hard drives, memory cards, etc.), or some combination thereof. In at least one example, the computer-readable medium of the reading device 1926 may include at least one module for performing various functions described herein.

[0249] The reading chip can perform functions to control the operation and processing of the reading device 1926. That is, the reading chip can perform functions to control a payment interface (e.g., contactless interface, contact interface, etc.), a wireless communication interface, a wired interface, a user interface (e.g., a signal state device (FPGA)), etc. Additionally, the reading chip can perform functions to control a timer, which can provide a timer signal indicating an amount of time that has elapsed since a particular event (e.g., an interaction, a power down event, etc.). Additionally, the reading chip can perform functions to control a clock 196, which can provide a clock signal indicating time. Additionally, the reading chip can perform functions to control a network interface, which can interface with the network(s) 1906, as described below.

[0250] Furthermore, the reading chip can perform functions to control the power source. The power supply can include one or more power supplies, such as a physical connection to AC power or a battery. The power supply can include a power conversion circuit to convert the AC power and generate multiple DC voltages for use by the components of the reading device 1926. When the power supply includes a battery, the battery can be charged via a physical power connection, via inductive charging, or via any other suitable method.

[0251] The transaction chip may perform functions related to processing payment transactions, interfacing with payment instruments, encryption, and other payment specific functions. That is, the transaction chip may access payment data associated with the payment instrument and provide the payment data to the POS terminal, as described above. The payment data may include, but is not limited to, the customer's name, the customer's address, the type of payment instrument (e.g., credit, debit, etc.), a number associated with the payment instrument, a verification value (e.g., PIN Verification Key Indicator (PVKI), PIN Verification Value (PVV), Card Verification Value (CVV), Card Verification Code (CVC), etc.), expiration date data associated with the payment instrument, a Primary Account Number (PAN) corresponding to the customer (which may or may not match the number associated with the payment instrument), restrictions on what types of charges / debts may be made, etc. Additionally, the transaction chip may encrypt the payment data upon receiving it.

[0252] It should be understood that in some examples, the reading chip may have its own central processing unit(s) and computer readable media, and / or the transaction chip may have its own central processing unit(s) and computer readable media, hi other examples, the functionality of the reading chip and the transaction chip may be embodied in a single chip or multiple chips, each including any suitable combination of central processing units and computer readable media for collectively performing the functions of the reading chip and the transaction chip as described herein.

[0253] Although the user device 1902, which may be a POS terminal, and the reading device 1926 are shown as separate devices, in additional or alternative examples the user device 1902 and the reading device 1926 may be part of a single device, which may be a battery-operated device. In such examples, both components of the user device 1902 and the reading device 1926 may be associated with a single device. In some examples, the reading device 1926 may have a display integrated therewith, which may be in addition to (or as an alternative to) the display 1916 associated with the user device 1902.

[0254] Server 1904 may include one or more servers or other types of computing devices, which may be embodied in any number of ways. For example, in the server example, the modules, other functional components, and data may be implemented on a single server, a cluster of servers, a server farm or data center, a cloud-hosted computing service, a cloud-hosted storage service, etc., although other computer architectures may be used in addition or instead.

[0255] Additionally, while the diagram depicts server 1904 components and data as residing in a single location, these components and data may alternatively be distributed in any manner across different computing devices and different locations. Thus, functionality may be implemented by one or more server computing devices, and the various functions described above may be distributed in various manners across the various computing devices. Multiple servers 1904 may be located together or separately, and may be organized, for example, as virtual servers, server banks, and / or server farms. The described functionality may be provided by a single merchant or business server, or may be provided by multiple different customer or business servers and / or services.

[0256] In the illustrated example, the server 1904 may include one or more processors 1928, one or more computer-readable media 1930, one or more I / O devices 1932, and one or more communication interfaces 1934. Each processor 1928 may be a single processing unit or several processing units and may include single or multiple computing units or multiple processing cores. The processor 1928 may be implemented as one or more microprocessors, microcomputers, microcontrollers, digital signal processors, central processing units, state machines, logic circuits, and / or any device that manipulates signals based on operational instructions. For example, the processor 1928 may be one or more hardware processors and / or logic circuits of any suitable type that are specifically programmed or configured to execute the algorithms and processes described herein. The processor 1928 may be configured to fetch and execute computer-readable instructions stored on the computer-readable media 1930, which may program the processor 1928 to perform the functions described herein.

[0257] The computer readable media 1930 may include volatile and non-volatile memory and / or removable and non-removable media implemented in any type of technology for storing information such as computer readable instructions, data structures, program modules, or other data. Such computer readable media 1930 may include, but are not limited to, RAM, ROM, EEPROM, flash memory or other memory technology, optical storage, solid state storage, magnetic tape, magnetic disk storage, RAID storage systems, storage arrays, network attached storage, storage area networks, cloud storage, or any other medium that can be used to store the desired information and that can be accessed by a computing device. Depending on the configuration of the server 1904, the computer readable media 1930 may be a type of computer readable storage medium and / or may be a tangible non-transitory medium to the extent that, when referred to, non-transitory computer readable media excludes media such as energy, carrier signals, electromagnetic waves, and signals themselves.

[0258] The computer-readable medium 1930 may be used to store any number of functional components executable by the processor(s) 1928. In many implementations, these functional components comprise instructions or programs executable by the processor(s) 1928 that, when executed, specifically configure the one or more processors 1928 to perform the operations attributed above to the service provider(s) 1812 and / or the payment processing platform. The functional components stored on the computer-readable medium 1930 may optionally include a training component 1936 and one or more other components and data 1938.

[0259] The training component 1936 may be configured to train the model using a machine learning mechanism. For example, the machine learning mechanism may analyze the training data to train a data model that generates an output that may be a recommendation, a score, and / or another indicator. The machine learning mechanism may include, but is not limited to, supervised learning algorithms (e.g., artificial neural networks, Bayesian statistics, support vector machines, decision trees, classifiers, k-nearest neighbors, etc.), unsupervised learning algorithms (e.g., artificial neural networks, association rule learning, hierarchical clustering, cluster analysis, etc.), semi-supervised learning algorithms, deep learning algorithms, etc.), statistical models, etc. In at least one example, the machine-learned data model may be stored in a data store associated with the user device 1902 and / or the server 1904 for use at a time (e.g., at run-time) after the data model is trained.

[0260] The one or more other components and data 1938 can include the P2P processing component 108, the cryptocurrency management component 110, the payment processing component 114, and / or the cryptocurrency management component 116, the functionality of which has been at least partially described above. Additionally, the one or more other components and data 1938 can include programs, drivers, and the like, as well as data used or generated by the functional components. Additionally, the server(s) 1904 can include many other logical, programmatic, and physical components, of which the above-described are merely examples relevant to the discussion herein.

[0261] One or more "components" referenced herein may be implemented as more or fewer components, and the functionality described for a component may be redistributed depending on the implementation details. The term "component" as used herein broadly refers to software stored on a non-transitory storage medium (e.g., volatile or non-volatile memory for a computing device), hardware, or firmware (or any combination thereof) component. A component typically functions such that it can use specified inputs to generate useful data or other output. A component may be self-contained or not. An application program (also referred to as an "application") may include one or more components, or a component may include one or more application programs that may be accessed over a network or downloaded onto a device as software (e.g., executable code that causes a device to perform operations). An application program (also referred to as an "application") may include one or more components, or a component may include one or more application programs. Additionally and / or alternatively, a component may be implemented as computer-readable instructions, various data structures, etc., via at least one central processing unit to execute instructions and configure a computing device described herein to perform the operations described herein.

[0262] In some examples, a component may include one or more application programming interfaces (APIs) for performing some or all of its functions (e.g., operations). In at least one example, a software developer kit (SDK) may be provided by the service provider to enable third-party developers to include service provider functionality and / or utilize service provider services in association with their own third-party applications. Additionally or alternatively, in some examples, the service provider may utilize the SDK to integrate third-party service provider functionality into its applications. That is, the APIs and / or SDKs may enable third-party developers to customize how their respective third-party applications interact with the service provider, or vice versa.

[0263] The computer readable media 1930 may further include an operating system 1940 for controlling and managing various functions of the server 1904 .

[0264] The server 1904 may further comprise various I / O devices 1932. Such I / O devices 1932 may include a display, various user interface controls (e.g., buttons, joysticks, keyboards, mice, touch screens, biometric or sensory input devices, etc.), audio speakers, connection ports, etc.

[0265] The communication interface 1934 may include one or more interfaces and hardware components for enabling communication with various other devices, such as over the network 1906 or directly. For example, the communication interface 1934 may enable communication over one or more networks 1906, which may include any type of network known in the art, such as, but not limited to, a local area network or a wide area network such as the Internet, a wireless network such as a cellular network, a local wireless network such as Wi-Fi and / or a near field communication such as Bluetooth, BLE, NFC, RFID, a wired network, or any other such network, or any combination thereof. Thus, the network(s) 1906 may include both wired and / or wireless communication technologies, including Bluetooth, BLE, Wi-Fi and cellular communication technologies, as well as wired or fiber optic technologies. The components used for such communication may depend at least in part on the type of network, the environment selected, or both. Protocols for communicating over such networks are well known and will not be described in detail herein.

[0266] In at least one example, the system 1900 can include a data store 1942 that can be configured to store accessible, manageable, and updatable data. In at least one example, the data stores 112, 120, and / or 400 can correspond to the data store 1942. In some examples, the data store 1942 can be integrated with the user device 1902 and / or the server 1904. In other examples, the data store 1942 can be located remotely from and accessible to the server 1904, as shown in FIG. 19 . The data store 1942 can comprise multiple databases and / or servers connected locally and / or remotely via a network 1906.

[0267] In at least one example, the data store 1942 can include asset storage and / or store user accounts, merchant accounts, and / or customer accounts, as described above. In some examples, the data store 1942 can store a private blockchain. In some examples, the data store 1942 can store additional or alternative data, such as inventory data and / or catalog data. The inventory data can be stored in an inventory database, in which a merchant can store data related to the quantity of each item available to the merchant. Additionally, the catalog data can be stored in a catalog database, in which a merchant can store data associated with items available for acquisition.

[0268] Phrases such as "in some examples," "according to various examples," "in the illustrated example," "in one example," "in other examples various examples," "some examples," and the like generally refer to the particular feature, structure, or characteristic that follows the phrase and is included in at least one example of the invention, and may be included in more than one example of the invention. Additionally, such phrases do not necessarily refer to the same example or different examples.

[0269] If the specification describes an element or feature as "possible" or "possible" or as having a feature, that particular element or feature is not required to be described or to have that feature.

[0270] Additionally, the above description is directed to devices and applications related to payment technology. However, it will be understood that the technology can be extended to any device and application. Furthermore, the techniques described herein can be configured to operate regardless of the type of payment reader, POS terminal, web application, mobile application, POS topology, payment card, computer network, and environment.

[0271] Various figures included herein are flow charts or swim lane diagrams illustrating example processes including the techniques described herein. For convenience and ease of understanding, the illustrated processes are described with reference to Figures 1-4, 18, and 19. However, the illustrated processes are not limited to being performed using the components described in Figures 1-4, 18, and 19, and such components are not limited to performing the processes illustrated herein.

[0272] Furthermore, in some examples, the processes described above are illustrated as a collection of blocks in a logical flow graph, which represent sequences of operations that may be implemented in hardware, software, or a combination thereof. In the context of software, the blocks represent computer-executable instructions stored on one or more computer-readable storage media that, when executed by a processor, perform the recited operations. Generally, computer-executable instructions include routines, programs, objects, components, data structures, etc. that perform particular functions or implement particular abstract data types. The order in which the operations are described is not intended to be construed as limiting, and any number of the described blocks may be combined in any order and / or in parallel to perform a process. In some embodiments, one or more blocks of a process may be omitted entirely. Furthermore, the processes may be combined in whole or in part with each other or with other processes.

[0273] Moreover, the GUIs described above are non-limiting examples of GUIs that may be presented via a computing device. In additional or alternative examples, additional or alternative content may be presented via the GUI and / or additional or alternative configurations may be envisioned. Thus, the GUIs are provided for illustrative purposes and should not be construed as limiting.

[0274] In summary, techniques are described for integrating a payment processing platform (PPP) and a payment making platform (PMP) for segmented payment allocation using cryptocurrency. The PPP can receive a request to receive funds in cryptocurrency, where the funds are associated with a transaction made via point of sale (POS) software provided by the PPP. Based on the request, a cryptocurrency wallet account for the merchant can be accessed via the PMP. The PPP can associate a merchant account for the merchant with the cryptocurrency wallet account. The PPP can receive a payment authorization request associated with the transaction via the POS software associated with the merchant and cause (i) a first portion of the funds to be deposited in the cryptocurrency wallet account as cryptocurrency and (ii) a second portion of the funds to be deposited in the merchant account as fiat currency.

[0275] Also described are techniques for integrating a payment processing platform (PPP) and a payment making platform (PMP) for partitioned payment allocation using cryptocurrency. In response to an instruction to allocate a first portion of funds generated from a payment received for a transaction processed by the PPP to a cryptocurrency wallet account for a user, the PMP can receive a request for first account information associated with the cryptocurrency wallet account. The PMP can transmit the first account information to the PPP, where the first account information is associated with second account information of the user's merchant account. The PMP can receive a request from the PPP to deposit the first portion of the funds in the cryptocurrency wallet account, where the second portion of the funds is held by the PPP for deposit to the merchant account as fiat currency.

[0276] (Example of a clause) A. A payment processing platform (PPP) configured to interact with a peer-to-peer (P2P) payment platform, comprising: a point of sale (POS) application provided by the PPP and executable by a POS device, presenting a user interface to enable a merchant to designate one or more accounts for distribution of funds received from transactions conducted between the merchant and a customer via the POS application; receiving a request via an interaction with the user interface to receive at least a first portion of the funds in cryptocurrency; sending the request to one or more server computing devices associated with the PPP to receive at least the first portion of the funds in cryptocurrency; generating transaction data relating to a transaction between said merchant and said customer; a point of sale (POS) application configured to transmit transaction data to the one or more server computing devices associated with the PPP; the one or more server computing devices associated with the PPP, receiving a request from the POS application to receive at least the first portion of the funds in cryptocurrency; sending a request for first account information associated with a cryptocurrency wallet account for the merchant to one or more server computing devices associated with the P2P payment platform; receiving, from the one or more server computing devices associated with the P2P payment platform, the first account information associated with the cryptocurrency wallet account, the P2P payment platform maintaining a private key associated with the cryptocurrency wallet account on behalf of the merchant; associate, in a data store maintained by the PPP, the first account information associated with the cryptocurrency wallet account with second account information associated with a merchant account of the merchant; capturing the funds associated with the payment authorization request; depositing, via the one or more server computing devices associated with the P2P payment platform, the first portion of the funds into the cryptocurrency wallet account for the merchant; and and the one or more server computing devices configured to facilitate depositing a second portion of the funds as fiat currency to the merchant account. Payment processing platform.

[0277] B. The one or more server computing devices associated with the PPP further comprise: receiving an indication from the one or more server computing devices associated with the P2P payment platform that a merchant is not associated with any cryptocurrency wallet accounts with the P2P payment platform; presenting, via the POS application, a configuration user interface, the configuration user interface requesting merchant data for creating the cryptocurrency wallet account; receiving merchant data from the POS application; transmitting the merchant data to the server computing device of the P2P payment platform, the first account information being received based at least in part on transmitting the merchant data to the server computing device of the P2P payment platform. The payment processing platform described in Section A.

[0278] C. The POS application further comprises: receiving, via interaction with the user interface, an indication of an amount of funds associated with the first portion of funds; transmitting the indication of the amount of funds associated with the first portion of funds to the one or more server computing devices associated with the PPP. A payment processing platform as described in clause A or B.

[0279] D. the one or more server computing devices associated with the PPP are further configured to determine the first portion and the second portion using a machine learning model. A payment processing platform as described in any of clauses A to C.

[0280] E. 1. A method implemented in part by one or more computing devices of a payment processing platform (PPP), comprising: receiving, by the one or more computing devices of the PPP and from a merchant having a merchant account with the PPP, a request to receive funds in cryptocurrency, the funds being associated with one or more transactions conducted via point of sale (POS) software provided by the PPP; based at least in part on receiving the request, accessing a cryptocurrency wallet account for the merchant by the one or more computing devices of the PPP and via a payment making platform (PMP); associating, by the one or more computing devices of the PPP and in a data store maintained by the PPP, the merchant account with the cryptocurrency wallet account; receiving, by the one or more computing devices of the PPP and via the POS software associated with the merchant, one or more payment authorization requests associated with the one or more transactions; causing, by the one or more computing devices of the PPP, (i) to deposit a first portion of the funds associated with the one or more payment authorization requests as crypto currency into the crypto currency wallet account; and (ii) to deposit a second portion of the funds associated with the one or more payment authorization requests as fiat currency into the merchant account. method.

[0281] F. The PMP maintains private keys associated with the cryptocurrency wallet accounts on behalf of the merchants; The method according to paragraph E.

[0282] G. the PMP is a third-party PMP, the third-party PMP maintaining private keys associated with the cryptocurrency wallet account on behalf of the merchant; The method according to paragraph E or F.

[0283] H. the request to receive the funds in cryptocurrency is associated with an indication of a percentage of the funds to be received in cryptocurrency, and the first portion is determined at least in part based on the percentage. The method of any of clauses E to G.

[0284] I. determining the first portion of funds based at least in part on an output of a machine-learned model, the machine-learned model being trained at least in part based on historical transaction data and historical cryptocurrency deposits associated with at least one of the merchant or other merchants associated with the PPP; The method of any of clauses E-H.

[0285] J. determining the first portion of funds based at least in part on at least one of a current cryptocurrency price, a forecasted cryptocurrency price, or merchant data associated with the merchant. The method of any of paragraphs E-I.

[0286] K. determining the first portion of funds based at least in part on determining an amount of the funds to withhold from each transaction of the one or more transactions. The method of any of paragraphs E to J.

[0287] L. determining the first portion of funds based at least in part on determining an amount of the funds to withhold from the batch of one or more transactions. The method of any of clauses E to K.

[0288] M. converting the first portion of funds from fiat currency to cryptocurrency before making the first portion of funds available for deposit in the cryptocurrency wallet account. The method of any of clauses E to L.

[0289] N. transmitting the first portion of funds to the PMP in fiat currency with instructions to convert the first portion of funds from fiat currency to cryptocurrency before allowing the first portion of funds to be deposited in the cryptocurrency wallet account. The method of any of clauses E-M.

[0290] O. A system relating to a payment processing platform (PPP), comprising: one or more processors; One or more non-transitory computer-readable media storing instructions that, when executed by one or more processors, cause the system to perform operations, the operations including: receiving, by one or more computing devices of the PPP and from a merchant having a merchant account with the PPP, a request to receive funds in cryptocurrency, the funds being associated with one or more transactions conducted via point of sale (POS) software provided by the PPP; accessing a cryptocurrency wallet account for the merchant based on the request, by one or more computing devices of the PPP and via a payment making platform (PMP); associating, by the one or more computing devices of the PPP and in a data store maintained by the PPP, the merchant account with the cryptocurrency wallet account; receiving, by the one or more computing devices of the PPP and via the POS software associated with the merchant, one or more payment authorization requests associated with the one or more transactions; and (ii) causing a second portion of the funds associated with the one or more payment authorization requests to be deposited as fiat currency in the merchant account. system.

[0291] P. a request to receive funds in the cryptocurrency is associated with a unique identifier of the merchant, the unique identifier being associated with the cryptocurrency wallet account of the merchant; A system as described in clause O.

[0292] Q. The operations further include determining the first portion of the funds based at least in part on at least one of a current cryptocurrency price, a forecasted cryptocurrency price, or merchant data associated with the merchant. A system as described in clause O or P.

[0293] R. the operations further include determining the first portion of funds based at least in part on determining an amount of the funds to withhold from each transaction of the one or more transactions; 2. A system according to any of clauses O to Q.

[0294] S. the operations further include determining the first portion of funds based at least in part on determining an amount of the funds to withhold from the batch of one or more transactions. 2. A system according to any of paragraphs O to R.

[0295] T. the operations further include determining the batch of the one or more transactions based at least in part on one or more of elapsed time, amount generated, time of day, or an indication from the merchant. A system as described in Section S.

[0296] U. 1. A peer-to-peer (P2P) payment platform configured to interact with a payment processing platform, comprising: a mobile payment application provided by the P2P payment platform and executable by a user computing device, receiving, via a user interface, a request to create a cryptocurrency wallet account for the user; a mobile payment application configured to send the request to generate the cryptocurrency wallet account for the user to one or more server computing devices associated with the P2P payment platform; the one or more server computing devices associated with the P2P payment platform, receiving the request to create the cryptocurrency wallet account from the mobile payment application; generating the cryptocurrency wallet account in response to receiving the request to generate the cryptocurrency wallet account from the mobile payment application, the cryptocurrency wallet account being associated with first account information and the P2P payment platform maintaining a private key associated with the cryptocurrency wallet account on behalf of the user; receive a request for the first account information associated with the cryptocurrency wallet account for the user from one or more server computing devices associated with a payment processing platform (PPP) and in response to instructions to allocate at least a first portion of funds generated from payments received for transactions processed by the PPP to the cryptocurrency wallet account for the user; transmitting the first account information associated with the crypto currency wallet account to the one or more server computing devices associated with the PPP, wherein the first account information is associated with second account information of the user's merchant account based at least in part on transmitting the first account information to the one or more server computing devices associated with the PPP; and receiving, from the one or more server computing devices associated with the PPP, a request to deposit the first portion of the funds into the cryptocurrency wallet account, wherein a second portion of the funds is to be deposited into the cryptocurrency wallet account held by the PPP for deposit into the merchant account as fiat currency. Peer-to-peer (P2P) payment platform.

[0297] V. the cryptocurrency wallet account is associated with a unique identifier of the user, and the request for the first account information is associated with the unique identifier; Peer-to-peer (P2P) payment platforms as described in Section U.

[0298] W. the cryptocurrency wallet account is associated with a stored balance of fiat currency maintained by the P2P payment platform, and the one or more server computing devices associated with the PPP are further configured to receive a request to deposit a third portion of the funds as fiat currency into the stored balance of fiat currency. A peer-to-peer (P2P) payment platform as described in clause U or V.

[0299] X. The one or more server computing devices associated with the PPP further comprise: and configured to receive, from the mobile payment application, a request for a payment to another user associated with the P2P payment platform, and transfer at least one of cryptocurrency funds associated with the cryptocurrency wallet account or fiat currency funds associated with the stored fiat currency balance to the account of the other user. A peer-to-peer (P2P) payment platform as described in Section W.

[0300] Y. 1. A method implemented at least in part by one or more computing devices associated with a payment making platform (PMP), comprising: receiving a request for first account information associated with a cryptocurrency wallet account for a user from one or more computing devices associated with a payment processing platform (PPP) and in response to instructions to allocate at least a first portion of funds generated from a payment received for a transaction processed by the PPP to the cryptocurrency wallet account for the user; transmitting the first account information associated with the crypto currency wallet account to the one or more computing devices associated with the PPP, where the first account information is associated with second account information of the user's merchant account based at least in part on transmitting the first account information to the one or more computing devices associated with the PPP; receiving, from the one or more computing devices associated with the PPP, a request to deposit a first portion of the funds into the crypto currency wallet account, wherein a second portion of the funds is held by the PPP for deposit into the merchant account as fiat currency; method.

[0301] Z. receiving a request from the user's mobile payment application and provided by the PMP to create the cryptocurrency wallet account; generating the crypto currency wallet account in response to receiving the request to generate the crypto currency wallet account from the mobile payment application. The method described in paragraph Y.

[0302] A.A. determining that the user is not associated with a cryptocurrency wallet account; sending a request to the user's mobile payment application and to the PMP for information to create the cryptocurrency wallet account; generating the cryptocurrency wallet account based at least in part on receiving the information from the mobile payment application. The method according to clause Y or Z.

[0303] A.B. determining that the user is not associated with a cryptocurrency wallet account; sending a request for information to generate the cryptocurrency wallet account to the one or more computing devices associated with the PPP; generating the crypto currency wallet account based at least in part on receiving the information from the one or more computing devices associated with the PPP. A method according to any of clauses Y to AA.

[0304] AC. the first portion being a percentage specified by the user via a point of sale application provided by the PPP; The method according to any of clauses Y-AB.

[0305] A.D. the first portion is determined based at least in part on a current cryptocurrency price, a forecasted cryptocurrency price, or user data of the user; The method of any of clauses Y-AC.

[0306] A.E. the cryptocurrency wallet account is associated with a unique identifier of the user, and the request for the first account information is associated with the unique identifier; The method according to any of clauses Y to AD.

[0307] A.F. the request to deposit the first portion of the funds into the cryptocurrency wallet account is associated with cryptocurrency funds converted by the PPP; The method of any of clauses Y-AE.

[0308] A.G. the request to deposit the first portion of the funds into the cryptocurrency wallet account is associated with a request to convert fiat currency into cryptocurrency, the method further comprising converting the funds into cryptocurrency prior to depositing the funds into the cryptocurrency wallet account. The method of any of clauses Y-AF.

[0309] AH. A system related to a payment generation platform (PMP) constituting the system, one or more processors; One or more non-transitory computer-readable media storing instructions that, when executed by the one or more processors, cause the system to perform operations, the operations including: receiving a request for first account information associated with a cryptocurrency wallet account for a user from one or more computing devices associated with a payment processing platform (PPP) and in response to instructions to allocate at least a first portion of funds generated from payments received for one or more transactions processed by the PPP to the cryptocurrency wallet account for the user; transmitting, to the one or more computing devices associated with the PPP, first account information associated with a crypto currency wallet account, wherein based at least in part on transmitting the first account information to the one or more computing devices associated with the PPP, the first account information is associated with second account information of the user's merchant account; receiving, from the one or more computing devices associated with the PPP, a request to deposit a first portion of the funds into the cryptocurrency wallet account, wherein a second portion of the funds is held by the PPP for deposit into the merchant account as fiat currency; system.

[0310] AI. the request is associated with a transaction of the one or more transactions; A system as described in Section AH.

[0311] A.J. the request is associated with a batch of transactions of the one or more transactions; 2. A system as described in paragraphs AH or AI.

[0312] A.K. the cryptocurrency wallet account is associated with a unique identifier of the user, and the request for the first account information is associated with the unique identifier; A system according to any of paragraphs AH to AJ.

[0313] AL. the request to deposit the first portion of the funds into the cryptocurrency wallet account is associated with cryptocurrency funds converted by the PPP; 2. A system according to any one of clauses AH to AK.

[0314] A.M. the request to deposit the first portion of the funds into the cryptocurrency wallet account, the operation further comprising converting the funds into cryptocurrency before depositing the funds into the cryptocurrency wallet account. 2. A system according to any one of clauses AH to AL.

[0315] A.N. The PMP maintains private keys associated with the cryptocurrency wallet accounts on behalf of the users; 2. The system of any of paragraphs AH-AM.

[0316] Although the above sections are described with respect to one particular implementation, it should be understood that in the context of this document, the contents of the above sections may also be implemented via a method, device, system, computer readable medium, and / or other implementations. Additionally, any of Sections A-AN may be implemented alone or in combination with any other one or more of Sections A-AN.

[0317] Also disclosed are the following passages: 1. A payment processing platform (PPP) configured to interact with a peer-to-peer (P2P) payment platform, comprising: a point of sale (POS) application provided by the PPP and executable by a POS device, presenting a user interface to enable a merchant to designate one or more accounts for distribution of funds received from transactions conducted between the merchant and a customer via the POS application; receiving a request via an interaction with the user interface to receive at least a first portion of the funds in cryptocurrency; sending the request to one or more server computing devices associated with the PPP to receive at least the first portion of the funds in cryptocurrency; generating transaction data relating to a transaction between said merchant and said customer; a point of sale (POS) application configured to transmit transaction data to the one or more server computing devices associated with the PPP; the one or more server computing devices associated with the PPP, receiving a request from the POS application to receive at least the first portion of the funds in cryptocurrency; sending a request for first account information associated with a cryptocurrency wallet account for the merchant to one or more server computing devices associated with the P2P payment platform; receiving, from the one or more server computing devices associated with the P2P payment platform, the first account information associated with the cryptocurrency wallet account, the P2P payment platform maintaining a private key associated with the cryptocurrency wallet account on behalf of the merchant; associate, in a data store maintained by the PPP, the first account information associated with the cryptocurrency wallet account with second account information associated with a merchant account of the merchant; capturing the funds associated with the payment authorization request; depositing, via the one or more server computing devices associated with the P2P payment platform, the first portion of the funds into the cryptocurrency wallet account for the merchant; and and the one or more server computing devices configured to facilitate depositing a second portion of the funds as fiat currency to the merchant account. Payment processing platform. 2. The one or more server computing devices associated with the PPP further comprise: receiving an indication from the one or more server computing devices associated with the P2P payment platform that a merchant is not associated with any cryptocurrency wallet accounts with the P2P payment platform; presenting, via the POS application, a configuration user interface, the configuration user interface requesting merchant data for creating the cryptocurrency wallet account; receiving merchant data from the POS application; transmitting the merchant data to the server computing device of the P2P payment platform, the first account information being received based at least in part on transmitting the merchant data to the server computing device of the P2P payment platform. A payment processing platform as described in clause 1. 3. The POS application further comprises: receiving, via interaction with the user interface, an indication of an amount of funds associated with the first portion of funds; transmitting the indication of the amount of funds associated with the first portion of funds to the one or more server computing devices associated with the PPP. A payment processing platform as described in clause 1. 4. the one or more server computing devices associated with the PPP are further configured to determine the first portion and the second portion using a machine learning model. A payment processing platform as described in clause 1. 5. 1. A method implemented in part by one or more computing devices of a payment processing platform (PPP), comprising: receiving, by the one or more computing devices of the PPP and from a merchant having a merchant account with the PPP, a request to receive funds in cryptocurrency, the funds being associated with one or more transactions conducted via point of sale (POS) software provided by the PPP; based at least in part on receiving the request, accessing a cryptocurrency wallet account for the merchant by the one or more computing devices of the PPP and via a payment making platform (PMP); associating, by the one or more computing devices of the PPP and in a data store maintained by the PPP, the merchant account with the cryptocurrency wallet account; receiving, by the one or more computing devices of the PPP and via the POS software associated with the merchant, one or more payment authorization requests associated with the one or more transactions; causing, by the one or more computing devices of the PPP, (i) to deposit a first portion of the funds associated with the one or more payment authorization requests as crypto currency into the crypto currency wallet account; and (ii) to deposit a second portion of the funds associated with the one or more payment authorization requests as fiat currency into the merchant account. method. 6. The PMP maintains private keys associated with the cryptocurrency wallet accounts on behalf of the merchants; 5. The method according to claim 5. 7. the PMP is a third-party PMP, the third-party PMP maintaining private keys associated with the cryptocurrency wallet account on behalf of the merchant; 5. The method according to claim 5. 8. the request to receive the funds in cryptocurrency is associated with an indication of a percentage of the funds to be received in cryptocurrency, and the first portion is determined at least in part based on the percentage. 5. The method according to claim 5. 9. determining the first portion of funds based at least in part on an output of a machine-learned model, the machine-learned model being trained at least in part based on historical transaction data and historical cryptocurrency deposits associated with at least one of the merchant or other merchants associated with the PPP; 5. The method according to claim 5. 10. determining the first portion of funds based at least in part on at least one of a current cryptocurrency price, a forecasted cryptocurrency price, or merchant data associated with the merchant. 5. The method according to claim 5. 11. determining the first portion of funds based at least in part on determining an amount of the funds to withhold from each transaction of the one or more transactions. 5. The method according to claim 5. 12. determining the first portion of funds based at least in part on determining an amount of the funds to withhold from the batch of one or more transactions. 5. The method according to claim 5. 13. converting the first portion of funds from fiat currency to cryptocurrency before making the first portion of funds available for deposit in the cryptocurrency wallet account. 5. The method according to claim 5. 14. transmitting the first portion of funds to the PMP in fiat currency with instructions to convert the first portion of funds from fiat currency to cryptocurrency before allowing the first portion of funds to be deposited in the cryptocurrency wallet account. 5. The method according to claim 5. 15. A system relating to a payment processing platform (PPP), comprising: one or more processors; One or more non-transitory computer-readable media storing instructions that, when executed by one or more processors, cause the system to perform operations, the operations including: receiving, by one or more computing devices of the PPP and from a merchant having a merchant account with the PPP, a request to receive funds in cryptocurrency, the funds being associated with one or more transactions conducted via point of sale (POS) software provided by the PPP; accessing a cryptocurrency wallet account for the merchant based on the request, by one or more computing devices of the PPP and via a payment making platform (PMP); associating, by the one or more computing devices of the PPP and in a data store maintained by the PPP, the merchant account with the cryptocurrency wallet account; receiving, by the one or more computing devices of the PPP and via the POS software associated with the merchant, one or more payment authorization requests associated with the one or more transactions; and (ii) causing a second portion of the funds associated with the one or more payment authorization requests to be deposited as fiat currency in the merchant account. system. 16. a request to receive funds in the cryptocurrency is associated with a unique identifier of the merchant, the unique identifier being associated with the cryptocurrency wallet account of the merchant; 16. The system of claim 15. 17. The operations further include determining the first portion of the funds based at least in part on at least one of a current cryptocurrency price, a forecasted cryptocurrency price, or merchant data associated with the merchant. 16. The system of claim 15. 18. the operations further include determining the first portion of funds based at least in part on determining an amount of the funds to withhold from each transaction of the one or more transactions; 16. The system of claim 15. 19. the operations further include determining the first portion of funds based at least in part on determining an amount of the funds to withhold from the batch of one or more transactions. 16. The system of claim 15. 20. the operations further include determining the batch of the one or more transactions based at least in part on one or more of elapsed time, amount generated, time of day, or an indication from the merchant. 16. The system of claim 15. twenty one. 1. A peer-to-peer (P2P) payment platform configured to interact with a payment processing platform, comprising: a mobile payment application provided by the P2P payment platform and executable by a user computing device, receiving a request via a user interface to generate a cryptocurrency wallet account for a user; a mobile payment application configured to send the request to generate the cryptocurrency wallet account for the user to one or more server computing devices associated with the P2P payment platform; the one or more server computing devices associated with the P2P payment platform, receiving the request to create the cryptocurrency wallet account from the mobile payment application; generating the cryptocurrency wallet account in response to receiving the request to generate the cryptocurrency wallet account from the mobile payment application, the cryptocurrency wallet account being associated with first account information and the P2P payment platform maintaining a private key associated with the cryptocurrency wallet account on behalf of the user; receive a request for the first account information associated with the cryptocurrency wallet account for the user from one or more server computing devices associated with a payment processing platform (PPP) and in response to instructions to allocate at least a first portion of funds generated from payments received for transactions processed by the PPP to the cryptocurrency wallet account for the user; transmitting the first account information associated with the crypto currency wallet account to the one or more server computing devices associated with the PPP, wherein the first account information is associated with second account information of the user's merchant account based at least in part on transmitting the first account information to the one or more server computing devices associated with the PPP; and receiving, from the one or more server computing devices associated with the PPP, a request to deposit the first portion of the funds into the cryptocurrency wallet account, wherein a second portion of the funds is to be deposited into the cryptocurrency wallet account held by the PPP for deposit into the merchant account as fiat currency. Peer-to-peer (P2P) payment platform. twenty two. the cryptocurrency wallet account is associated with a unique identifier of the user, and the request for the first account information is associated with the unique identifier; A peer-to-peer (P2P) payment platform as described in clause 21. twenty three. the cryptocurrency wallet account is associated with a stored balance of fiat currency maintained by the P2P payment platform, and the one or more server computing devices associated with the PPP are further configured to receive a request to deposit a third portion of the funds as fiat currency into the stored balance of fiat currency. A peer-to-peer (P2P) payment platform as described in clause 21. twenty four. The one or more server computing devices associated with the PPP further comprise: and configured to receive, from the mobile payment application, a request for a payment to another user associated with the P2P payment platform, and transfer at least one of cryptocurrency funds associated with the cryptocurrency wallet account or fiat currency funds associated with the stored fiat currency balance to the account of the other user. A peer-to-peer (P2P) payment platform as described in clause 23. twenty five. 1. A method implemented at least in part by one or more computing devices associated with a payment making platform (PMP), comprising: receiving a request for first account information associated with a cryptocurrency wallet account for a user from one or more computing devices associated with a payment processing platform (PPP) and in response to instructions to allocate at least a first portion of funds generated from a payment received for a transaction processed by the PPP to the cryptocurrency wallet account for the user; transmitting the first account information associated with the crypto currency wallet account to the one or more computing devices associated with the PPP, where the first account information is associated with second account information of the user's merchant account based at least in part on transmitting the first account information to the one or more computing devices associated with the PPP; receiving, from the one or more computing devices associated with the PPP, a request to deposit a first portion of the funds into the crypto currency wallet account, wherein a second portion of the funds is held by the PPP for deposit into the merchant account as fiat currency; method. 26. receiving a request from the user's mobile payment application and provided by the PMP to create the cryptocurrency wallet account; generating the crypto currency wallet account in response to receiving the request to generate the crypto currency wallet account from the mobile payment application. 26. The method according to clause 25. 27. determining that the user is not associated with a cryptocurrency wallet account; sending a request to the user's mobile payment application and to the PMP for information to create the cryptocurrency wallet account; generating the cryptocurrency wallet account based at least in part on receiving the information from the mobile payment application. 26. The method according to clause 25. 28. determining that the user is not associated with a cryptocurrency wallet account; sending a request for information to generate the cryptocurrency wallet account to the one or more computing devices associated with the PPP; generating the crypto currency wallet account based at least in part on receiving the information from the one or more computing devices associated with the PPP. 26. The method according to clause 25. 29. the first portion being a percentage specified by the user via a point of sale application provided by the PPP; 26. The method according to clause 25. 30. the first portion is determined based at least in part on a current cryptocurrency price, a forecasted cryptocurrency price, or user data of the user; 26. The method according to clause 25. 31. the cryptocurrency wallet account is associated with a unique identifier of the user, and the request for the first account information is associated with the unique identifier; 26. The method according to clause 25. 32. the request to deposit the first portion of the funds into the cryptocurrency wallet account is associated with cryptocurrency funds converted by the PPP; 26. The method according to clause 25. 33. the request to deposit the first portion of the funds into the cryptocurrency wallet account is associated with a request to convert fiat currency into cryptocurrency, the method further comprising converting the funds into cryptocurrency prior to depositing the funds into the cryptocurrency wallet account. 26. The method according to clause 25. 34. A system related to a payment generation platform (PMP) constituting the system, one or more processors; One or more non-transitory computer-readable media storing instructions that, when executed by the one or more processors, cause the system to perform operations, the operations including: receiving a request for first account information associated with a cryptocurrency wallet account for a user from one or more computing devices associated with a payment processing platform (PPP) and in response to instructions to allocate at least a first portion of funds generated from payments received for one or more transactions processed by the PPP to the cryptocurrency wallet account for the user; transmitting, to the one or more computing devices associated with the PPP, first account information associated with a crypto currency wallet account, wherein based at least in part on transmitting the first account information to the one or more computing devices associated with the PPP, the first account information is associated with second account information of the user's merchant account; receiving, from the one or more computing devices associated with the PPP, a request to deposit a first portion of the funds into the cryptocurrency wallet account, wherein a second portion of the funds is held by the PPP for deposit into the merchant account as fiat currency; system. 35. the request is associated with a transaction of the one or more transactions; 35. The system of claim 34. 36. the request is associated with a batch of transactions of the one or more transactions; 35. The system of claim 34. 37. the cryptocurrency wallet account is associated with a unique identifier of the user, and the request for the first account information is associated with the unique identifier; 35. The system of claim 34. 38. the request to deposit the first portion of the funds into the cryptocurrency wallet account is associated with cryptocurrency funds converted by the PPP; 35. The system of claim 34. 39. the request to deposit the first portion of the funds into the cryptocurrency wallet account, the operation further comprising converting the funds into cryptocurrency before depositing the funds into the cryptocurrency wallet account. 35. The system of claim 34. 40. The PMP maintains private keys associated with the cryptocurrency wallet accounts on behalf of the users; 35. The system of claim 34.

Claims

1. A payment processing platform (PPP) configured to interact with a peer-to-peer (P2P) payment platform, comprising: a point of sale (POS) application provided by the PPP and executable by a POS device, comprising: presenting a user interface to enable a merchant to designate one or more accounts for distribution of funds received from transactions conducted between the merchant and a customer via the POS application; receiving, via an interaction with the user interface, a request to receive at least a first portion of the funds in cryptocurrency; sending the request to one or more server computing devices associated with the PPP to receive at least the first portion of the funds in cryptocurrency; generating transaction data relating to a transaction between said merchant and said customer; a point of sale (POS) application configured to transmit the transaction data to the one or more server computing devices associated with the PPP; The one or more server computing devices associated with the PPP, receiving a request from the POS application to receive at least the first portion of the funds in cryptocurrency; sending a request for first account information associated with a cryptocurrency wallet account for the merchant to one or more server computing devices associated with the P2P payment platform; receiving, from the one or more server computing devices associated with the P2P payment platform, the first account information associated with the cryptocurrency wallet account, the P2P payment platform maintaining a private key associated with the cryptocurrency wallet account on behalf of the merchant; associate, in a data store maintained by the PPP, the first account information associated with the cryptocurrency wallet account with second account information associated with a merchant account of the merchant; When the funds associated with a payment authorization request are captured, depositing, via the one or more server computing devices associated with the P2P payment platform, the first portion of the funds into the cryptocurrency wallet account for the merchant by determining a value owned by the merchant in the cryptocurrency and / or the fiat currency using an exchange rate between the fiat currency and the cryptocurrency for the first portion and / or the second portion; and and the one or more server computing devices configured to facilitate depositing a second portion of the funds as fiat currency to the merchant account; the one or more server computing devices associated with the PPP are further configured to determine percentages of the first and second portions based on a season of the transaction using a machine learning model; the machine-learned model is trained based at least in part on a percentage of the first portion previously deposited in a cryptocurrency wallet account associated with at least one of the merchant or other merchants associated with the PPP, a percentage of the second portion previously deposited in a merchant account, the exchange rates at previously processed transactions, and trends in the exchange rates; Payment processing platform.

2. The one or more server computing devices associated with the PPP further comprise: receiving an indication from the one or more server computing devices associated with the P2P payment platform that the merchant is not associated with any cryptocurrency wallet accounts with the P2P payment platform; presenting a user interface via the POS application, the user interface requesting merchant data for creating the cryptocurrency wallet account; receiving merchant data from the POS application; transmitting the merchant data to the server computing device of the P2P payment platform, the first account information being received based at least in part on transmitting the merchant data to the server computing device of the P2P payment platform. The payment processing platform of claim 1 .

3. The POS application further comprises: receiving, via interaction with the user interface, an indication of an amount of funds associated with the first portion of funds; transmitting the indication of the amount of funds associated with the first portion of the funds to the one or more server computing devices associated with the PPP. A payment processing platform according to claim 1 or 2.

4. 1. A method implemented in part by one or more computing devices of a payment processing platform (PPP), comprising: receiving, by the one or more computing devices of the PPP and from a merchant having a merchant account with the PPP, a request to receive funds in cryptocurrency, the funds being associated with one or more transactions conducted via point of sale (POS) software provided by the PPP; accessing a cryptocurrency wallet account for the merchant by the one or more computing devices of the PPP and via a payment making platform (PMP) based at least in part on receiving the request; associating, by the one or more computing devices of the PPP and in a data store maintained by the PPP, the merchant account with the cryptocurrency wallet account; receiving, by the one or more computing devices of the PPP and via the POS software associated with the merchant, one or more payment authorization requests associated with the one or more transactions; determining, by the one or more computing devices of the PPP and via one or more server computing devices associated with the payment making platform (PMP), a value owned by the merchant in the crypto currency and / or the fiat currency using an exchange rate between the fiat currency and the crypto currency, (i) causing a first portion of the funds associated with the one or more payment authorization requests to be deposited as crypto currency into the crypto currency wallet account; and (ii) causing a second portion of the funds associated with the one or more payment authorization requests to be deposited as fiat currency into the merchant account; the one or more server computing devices associated with the PPP are further configured to determine percentages of the first and second portions based on a season of the transaction using a machine learning model; the machine-learned model is trained based at least in part on a percentage of the first portion previously deposited in a cryptocurrency wallet account associated with at least one of the merchant or other merchants associated with the PPP, a percentage of the second portion previously deposited in a merchant account, the exchange rates at previously processed transactions, and trends in the exchange rates; method.

5. The PMP maintains private keys associated with the cryptocurrency wallet accounts on behalf of the merchants. The method according to claim 4.

6. the PMP is a third-party PMP, the third-party PMP maintaining private keys associated with the cryptocurrency wallet account on behalf of the merchant; The method according to claim 4.

7. the request to receive the funds in cryptocurrency is associated with an indication of a percentage of the funds to be received in cryptocurrency, and the first portion is determined at least in part based on the percentage.

7. The method according to any one of claims 4 to 6.

8. determining the first portion of the funds based at least in part on at least one of a current cryptocurrency price, a forecasted cryptocurrency price, or merchant data associated with the merchant.

8. The method according to any one of claims 4 to 7.

9. determining the first portion of funds based at least in part on determining an amount of the funds to withhold from each transaction of the one or more transactions.

9. The method according to any one of claims 4 to 8.

10. determining the first portion of funds based at least in part on determining an amount of the funds to withhold from the batch of one or more transactions.

10. The method according to any one of claims 4 to 9.

11. converting the first portion of funds from fiat currency to cryptocurrency prior to making the first portion of funds available for deposit in the cryptocurrency wallet account.

11. The method according to any one of claims 4 to 10.

12. transmitting the first portion of funds to the PMP in fiat currency with instructions to convert the first portion of funds from fiat currency to cryptocurrency before allowing the first portion of funds to be deposited in the cryptocurrency wallet account.

11. The method according to any one of claims 4 to 10.

13. A program comprising instructions which, when executed by a computer, cause the computer to carry out the method according to any one of claims 4 to 12, Computer program.

14. A program stored therein comprising instructions which, when executed by a computer, cause the computer to carry out the method according to any one of claims 4 to 12. Computer-readable medium.

15. 1. A system relating to a payment processing platform (PPP), comprising: one or more processors; and one or more non-transitory computer-readable media storing instructions that, when executed by the one or more processors, cause the system to perform operations, the operations including: receiving, by one or more computing devices of the PPP and from a merchant having a merchant account with the PPP, a request to receive funds in cryptocurrency, the funds being associated with one or more transactions conducted via point of sale (POS) software provided by the PPP; accessing a cryptocurrency wallet account for the merchant based on the request, by one or more computing devices of the PPP and via a payment making platform (PMP); associating, by the one or more computing devices of the PPP and in a data store maintained by the PPP, the merchant account with the cryptocurrency wallet account; receiving, by the one or more computing devices of the PPP and via the POS software associated with the merchant, one or more payment authorization requests associated with the one or more transactions; determining, by one or more computing devices of the PPP and via one or more server computing devices associated with the payment making platform (PMP), a value owned by the merchant in the crypto currency and / or the fiat currency using an exchange rate between the fiat currency and the crypto currency, thereby (i) causing a first portion of the funds associated with the one or more payment authorization requests to be deposited as crypto currency in the crypto currency wallet account, and (ii) causing a second portion of the funds associated with the one or more payment authorization requests to be deposited as fiat currency in the merchant account; the one or more server computing devices associated with the PPP are further configured to determine percentages of the first and second portions based on a season of the transaction using a machine learning model; the machine-learned model is trained based at least in part on a percentage of the first portion previously deposited in a cryptocurrency wallet account associated with at least one of the merchant or other merchants associated with the PPP, a percentage of the second portion previously deposited in a merchant account, the exchange rates at previously processed transactions, and trends in the exchange rates; system.

16. a request to receive funds in the cryptocurrency is associated with a unique identifier of the merchant, the unique identifier being associated with the cryptocurrency wallet account of the merchant; The system of claim 15.

17. The operations further include determining the first portion of the funds based at least in part on at least one of a current cryptocurrency price, a forecasted cryptocurrency price, or merchant data associated with the merchant.

17. A system according to claim 15 or 16.

18. The operations further include determining the first portion of the funds based at least in part on determining an amount of the funds to withhold from each transaction of the one or more transactions; 18. A system according to any one of claims 15 to 17.

19. the operations further include determining the first portion of funds based at least in part on determining an amount of the funds to withhold from the batch of one or more transactions.

19. A system according to any one of claims 15 to 18.

20. The operations further include determining the batch of the one or more transactions based at least in part on one or more of an elapsed time, an amount generated, a time of day, or an indication from the merchant.

20. The system of claim 19.

21. 1. A peer-to-peer (P2P) payment platform configured to interact with a payment processing platform (PPP), comprising: a mobile payment application provided by the P2P payment platform and executable by a user computing device, receiving, via a user interface, a request to generate a cryptocurrency wallet account for a merchant; a mobile payment application configured to send the request to generate the cryptocurrency wallet account for the merchant to one or more server computing devices associated with the P2P payment platform; the one or more server computing devices associated with the P2P payment platform, receiving the request to create the cryptocurrency wallet account from the mobile payment application; generating the crypto currency wallet account in response to receiving the request to generate the crypto currency wallet account from the mobile payment application, the crypto currency wallet account being associated with first account information and the P2P payment platform maintaining a private key associated with the crypto currency wallet account on behalf of the merchant; receive a request for the first account information associated with the cryptocurrency wallet account for the merchant from one or more server computing devices associated with the payment processing platform (PPP) and in response to instructions to allocate at least a first portion of funds generated from payments received for transactions processed by the PPP to the cryptocurrency wallet account for the merchant; transmitting the first account information associated with the crypto currency wallet account to the one or more server computing devices associated with the PPP, the first account information being associated with second account information of a merchant account of the merchant based at least in part on transmitting the first account information to the one or more server computing devices associated with the PPP; and receiving, from the one or more server computing devices associated with the PPP, a request to deposit the first portion of the funds into the cryptocurrency wallet account, wherein the one or more server computing devices are configured to receive a request to deposit a second portion of the funds into the cryptocurrency wallet account held by the PPP for deposit to the merchant account as fiat currency; the one or more server computing devices associated with the PPP depositing the first portion of the funds into the cryptocurrency wallet account for the merchant by determining a value owned by the merchant in the cryptocurrency and / or the fiat currency using an exchange rate between the fiat currency and the cryptocurrency; and facilitating depositing a second portion of the funds into the merchant account as fiat currency; the one or more server computing devices associated with the PPP are further configured to determine percentages of the first and second portions based on a season of the transaction using a machine learning model; the machine-learned model is trained based at least in part on a percentage of the first portion previously deposited in a cryptocurrency wallet account associated with at least one of the merchant or other merchants associated with the PPP, a percentage of the second portion previously deposited in a merchant account, the exchange rates at previously processed transactions, and trends in the exchange rates; Peer-to-peer (P2P) payment platform.

22. the cryptocurrency wallet account is associated with a unique identifier of the merchant, and the request for the first account information is associated with the unique identifier.

22. A peer-to-peer (P2P) payment platform as claimed in claim 21.

23. the cryptocurrency wallet account is associated with a stored balance of fiat currency maintained by the P2P payment platform, and the one or more server computing devices associated with the PPP are further configured to receive a request to deposit a third portion of the funds as fiat currency into the stored balance of fiat currency. A peer-to-peer (P2P) payment platform according to claim 21 or 22.

24. The one or more server computing devices associated with the PPP further comprise: and configured to receive, from the mobile payment application, a request for a payment to another merchant associated with the P2P payment platform, and transfer at least one of cryptocurrency funds associated with the cryptocurrency wallet account or fiat currency funds associated with the stored fiat currency balance to the other merchant account.

24. A peer-to-peer (P2P) payment platform as claimed in claim 23.

25. 1. A method implemented at least in part by one or more computing devices associated with a payment making platform (PMP), comprising: receiving a request for first account information associated with a cryptocurrency wallet account for a merchant from one or more computing devices associated with a payment processing platform (PPP) and in response to instructions to allocate at least a first portion of funds generated from a payment received for a transaction processed by the PPP to the cryptocurrency wallet account for the merchant; transmitting the first account information associated with the crypto currency wallet account to the one or more computing devices associated with the PPP, where based at least in part on transmitting the first account information to the one or more computing devices associated with the PPP, the first account information is associated with second account information of a merchant account of the merchant; receiving, from the one or more computing devices associated with the PPP, a request to deposit a first portion of the funds into the crypto currency wallet account, wherein a second portion of the funds is held by the PPP for deposit into the merchant account as fiat currency; by determining, by the one or more computing devices of the PPP and via one or more computing devices of the payment making platform (PMP), a value owned by the merchant in the crypto currency and / or the fiat currency using an exchange rate between the fiat currency and the crypto currency, (i) causing a first portion of the funds associated with one or more payment authorization requests to be deposited as crypto currency into the crypto currency wallet account, and (ii) causing a second portion of the funds associated with the one or more payment authorization requests to be deposited as fiat currency into the merchant account; the one or more server computing devices associated with the PPP are further configured to determine percentages of the first and second portions based on a season of the transaction using a machine learning model; the machine-learned model is trained based at least in part on a percentage of the first portion previously deposited in a cryptocurrency wallet account associated with at least one of the merchant or other merchants associated with the PPP, a percentage of the second portion previously deposited in a merchant account, the exchange rates at previously processed transactions, and trends in the exchange rates; method.

26. receiving a request from the merchant's mobile payment application and provided by the PMP to create the cryptocurrency wallet account; generating the crypto currency wallet account in response to receiving the request to generate the crypto currency wallet account from the mobile payment application.

26. The method of claim 25.

27. determining that the merchant is not associated with a cryptocurrency wallet account; sending a request to the merchant's mobile payment application and to the PMP for information to generate the cryptocurrency wallet account; generating the cryptocurrency wallet account based at least in part on receiving the information from the mobile payment application.

27. The method of claim 25 or 26.

28. determining that the merchant is not associated with a cryptocurrency wallet account; sending a request for information to generate the crypto currency wallet account to the one or more computing devices associated with the PPP; generating the crypto currency wallet account based at least in part on receiving the information from the one or more computing devices associated with the PPP.

27. The method of claim 25 or 26.

29. the first portion being a percentage designated by the merchant via a point of sale application provided by the PPP; 29. The method of any one of claims 25 to 28.

30. the first portion is determined based at least in part on a current cryptocurrency price, a forecasted cryptocurrency price, or merchant data for the merchant; 29. The method of any one of claims 25 to 28.

31. the cryptocurrency wallet account is associated with a unique identifier of the merchant, and the request for the first account information is associated with the unique identifier.

31. The method of any one of claims 25 to 30.

32. the request to deposit the first portion of the funds into the cryptocurrency wallet account is associated with cryptocurrency funds converted by the PPP; 32. The method of any one of claims 25 to 31.

33. the request to deposit the first portion of the funds into the cryptocurrency wallet account is associated with a request to convert fiat currency into cryptocurrency, the method further comprising converting the funds into cryptocurrency prior to depositing the funds into the cryptocurrency wallet account.

32. The method of any one of claims 25 to 31.

34. comprising instructions which, when executed by a computer, cause the computer to carry out the method of any one of claims 25 to 33, Computer program.

35. A program stored thereon comprising instructions which, when executed by a computer, cause the computer to carry out the method according to any one of claims 25 to 33. Computer-readable medium.

36. A system related to a payment generation platform (PMP) constituting the system, one or more processors; and one or more non-transitory computer-readable media storing instructions that, when executed by the one or more processors, cause the system to perform operations, the operations including: receiving a request for first account information associated with a cryptocurrency wallet account for a merchant from one or more computing devices associated with a payment processing platform (PPP) and in response to instructions to allocate at least a first portion of funds generated from payments received for one or more transactions processed by the PPP to the cryptocurrency wallet account for the merchant; transmitting, to the one or more computing devices associated with the PPP, the first account information associated with a crypto currency wallet account, wherein based at least in part on transmitting the first account information to the one or more computing devices associated with the PPP, the first account information is associated with second account information of a merchant account of the merchant; receiving, from the one or more computing devices associated with the PPP, a request to deposit a first portion of the funds into the crypto currency wallet account, wherein a second portion of the funds is held by the PPP for deposit into the merchant account as fiat currency; depositing the first portion of the funds into the cryptocurrency wallet account for the merchant by determining, by one or more computing devices of the PPP and via one or more computing devices of the payment making platform (PMP), a value owned by the merchant in the cryptocurrency and / or the fiat currency using an exchange rate between the fiat currency and the cryptocurrency; and and facilitating depositing a second portion of the funds as fiat currency into the merchant account. the one or more server computing devices associated with the PPP are further configured to determine percentages of the first and second portions based on a season of the transaction using a machine learning model; the machine-learned model is trained based at least in part on a percentage of the first portion previously deposited in a cryptocurrency wallet account associated with at least one of the merchant or other merchants associated with the PPP, a percentage of the second portion previously deposited in a merchant account, the exchange rates at previously processed transactions, and trends in the exchange rates; system.

37. the request is associated with a transaction of the one or more transactions; 37. The system of claim 36.

38. the request is associated with a batch of transactions of the one or more transactions; 37. The system of claim 36.

39. the cryptocurrency wallet account is associated with a unique identifier of the merchant, and the request for the first account information is associated with the unique identifier.

39. A system according to any one of claims 36 to 38.

40. the request to deposit the first portion of the funds into the cryptocurrency wallet account is associated with cryptocurrency funds converted by the PPP; 40. A system according to any one of claims 36 to 39.

41. the request to deposit the first portion of the funds into the cryptocurrency wallet account, the operation further comprising converting the funds into cryptocurrency before depositing the funds into the cryptocurrency wallet account.

40. A system according to any one of claims 36 to 39.

42. The PMP maintains private keys associated with the cryptocurrency wallet accounts on behalf of the merchants.

42. A system according to any one of claims 36 to 41.

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