SYSTEMS AND METHODS FOR VERIFYING AND PROCESSING TRANSACTIONS USING VIRTUAL CURRENCY

摘要

A payment processing system may be integrated with a centralized virtual currency issuing and transaction processing system to provide a standardized and more efficient virtual currency that can provide easier tracking of and use of a consumer's virtual currency balance. The payment processing system may implement a network communications systems that may allow the payment processing system to obtain additional consumer, merchant and transaction information for a transaction by data fields transmitted in a network header portion of a network communications protocol packet. The additional information may be stored and cross-referenced to provide greater transaction tracking data.

主权项

1. A method comprising:
receiving, by a server computer, a network protocol packet including a network protocol header and a transaction payload for a transaction conducted using virtual currency, the network protocol header including a network header portion, the network header portion including an issuer identifier, a virtual currency token identifier, and a consumer identifier; parsing, by the server computer, the issuer identifier, the consumer identifier, and the virtual currency token identifier from the network header portion; determining, by the server computer, a consumer profile using the consumer identifier; verifying, by the server computer, the issuer identifier and the virtual currency token identifier are associated with the consumer profile; processing, by the server computer, the transaction using virtual currency data in the consumer profile; generating, by the server computer, a response message indicating authorization of the transaction; and transmitting, by the server computer, the response message to a mobile device.