The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Oct. 14, 2025

Filed:

Mar. 15, 2022
Applicant:

Ncr Atleos Corporation, Atlanta, GA (US);

Inventor:

Bryan Walser Nonni, Atlanta, GA (US);

Assignee:

NCR Atleos Corporation, Atlanta, GA (US);

Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/10 (2012.01); G06Q 20/06 (2012.01); G06Q 20/22 (2012.01); G06Q 20/36 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/10 (2013.01); G06Q 20/227 (2013.01); G06Q 20/367 (2013.01); G06Q 20/0658 (2013.01); G06Q 20/382 (2013.01); G06Q 20/4037 (2013.01); G06Q 2220/00 (2013.01);
Abstract

A cloud-based service creates and maintains custodial digital wallets for parties to value transfers. Each wallet funded by the corresponding party with cryptocurrency and/or a fiat currency. The cloud-based service provides value transfers between two parties having custodial wallets without any on-chain blockchain operations making such transfers nearly instantaneous. The cloud-based service also provides transfers between one party with a custodial wallet and another party without a custodial wallet by using a liquidity wallet and/or a liquidity account to perform the transfers nearly instantaneously and by initiating any needed blockchain operations on the blockchain to properly reflect any debit or redemption made from the liquidity wallet on the blockchain.


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