US 12,073,385 B2
Digital asset payment network payment modes
Trevor Filter, New York, NY (US); Zachary Kilgore, Brooklyn, NY (US); and Tyler Robert Spalding, New York, NY (US)
Assigned to Flexa Inc., New York, NY (US)
Filed by Flexa Inc., New York, NY (US)
Filed on Jan. 29, 2021, as Appl. No. 17/248,588.
Prior Publication US 2022/0245623 A1, Aug. 4, 2022
Int. Cl. G06Q 20/38 (2012.01); G06K 7/10 (2006.01); G06K 7/14 (2006.01); G06K 19/06 (2006.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01); G06Q 20/06 (2012.01)
CPC G06Q 20/3674 (2013.01) [G06K 7/1095 (2013.01); G06K 7/1413 (2013.01); G06K 7/1417 (2013.01); G06K 19/06028 (2013.01); G06K 19/06037 (2013.01); G06Q 20/204 (2013.01); G06Q 20/208 (2013.01); G06Q 20/3274 (2013.01); G06Q 20/3678 (2013.01); G06Q 20/381 (2013.01); G06Q 20/387 (2013.01); G06Q 20/4014 (2013.01); G06Q 20/405 (2013.01); G06Q 20/0655 (2013.01); G06Q 20/326 (2020.05); G06Q 2220/00 (2013.01)] 6 Claims
OG exemplary drawing
 
1. A user computing device of a digital asset payment network, the user computing device comprises:
a display;
one or more scanning devices;
memory; and
a digital asset management unit coupled to the display and the memory, wherein the digital asset management unit includes:
a digital wallet; and
a scanning interface coupled to the one or more scanning devices, wherein one or more of the digital wallet and the scanning interface are operable to connect to a user digital asset payment interface, wherein the user digital asset payment interface interfaces with a digital asset payment computing entity of the digital asset payment network, wherein the digital asset payment computing entity facilitates a real-time digital asset-based payment from the user computing device paying with a digital asset to a merchant computing entity accepting a desired digital asset by:
executing a real-time digital asset-based payment process by:
locking an amount of network digital asset associated with the user computing device to back the real-time digital asset-based payment;
receiving the digital asset from the user computing device;
exchanging the digital asset for a substantially equivalent amount of the desired digital asset; and
sending the substantially equivalent amount of the desired digital asset to the merchant computing entity to complete the real-time digital asset-based payment; and
executing a nonreal-time digital asset-based payment process by implementing a verification process associated with the digital asset to verify the digital asset; and
when the amount of digital asset from the user computing device is verified by the verification process:
unlocking the amount of the network digital asset; and
when the amount of digital asset from the user computing device is not verified by the verification process:
consuming the amount of the network digital asset; and
wherein the user digital asset payment interface includes:
a scannable code module coupled to the scanning interface, wherein the scannable code module is operable to:
obtain a user authorization scannable code from the digital asset payment computing entity for display to the merchant computing entity, wherein the user authorization scannable code is representative of digital asset-based payment authorization information associated with the real-time digital asset-based payment; or
scan a scannable charge code presented by the merchant computing entity, wherein the scannable charge code is representative of the digital asset-based payment authorization information associated with the real-time digital asset-based payment.