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美国银行新专利:用户可以用比特币汇款啦

银行正在全力开发比特币和数字货币的新用途。其中一个领域似乎引起了他们的特别兴趣,那就是跨国转账。

最近美国银行申请了一项专利,专利内容便是允许其使用加密货币进行跨国转账交易。

银行把注意力放在全球资本流动上自然有他们的道理。跨国转账既耗时又费钱,同时还会涉及到不必要的第三方。

此项专利在9月17日获准,专利内容包括使用如“Bitcoin, Litecoin, Ripple, Peercoin, 和 Dogecoin”等数字货币在账户间进行资金转移。这种方法不仅可以加速转账过程,使整个过程更加可靠,同时还可以减少发送到如SWIFT等第三方清算机构的用户数据。此前跨境支付大部分是由SWIFT来完成的。

根据专利来看,此项活动大多是在交易后端完成。在客户提交转账请求后,银行会根据传统电汇转账的时间和费用来决定是否使用加密货币转账。同时,美国银行对于在转账过程中具体使用了哪种货币并不知情。加密货币的选择基于一系列风险因子,包括流动性和价格等。为减少价格实时变动带来的影响,该专利还会尽可能缩短结算过程的时间。

美国银行到底会不会使用这项专利还有待观察。但诸如万事达、亚马逊、JP摩根等大型金融机构都申请了比特币相关的专利。但是,虽然申请了专利,目前还没有一家机构真正开始使用比特币。最主要的原因可能是数字货币相关的监管环境的不确定性。

Banks are exploring a variety of uses for bitcoin and digital currency, but one area in particular appears to be piquing their interest: transferring funds between countries.

The latest evidence of that interest comes from Bank of America, which recently filed a patent for technology that would allow it to use the cryptocurrency for that purpose.

It makes sense that banks would focus on global money transfers. Sending money between countries is time consuming, costly, and involves third parties that aren’t really necessary.

The patent, granted on Sept. 17 and first reported by CoinDesk, describes using digital currencies like “Bitcoin, Litecoin, Ripple, Peercoin, and Dogecoin” to transfer funds between accounts. Doing so would help speed up the transfer, make it more reliable, and reduce the amount of customer data sent to third-party clearinghouses like SWIFT, which traditionally facilitate cross-border payments.

According to the patent, much of the action will take place on the backend of the transaction. After a customer submits for a money transfer, the bank would determine whether using a cryptocurrency would be appropriate, based on how quickly a traditional wire transfer can be processed and how expensive it would be. Also, Bank of America will be agnostic about the particular currency used—a cryptocurrency will be selected for a transfer based on a number of risk factors, including volatility and price. It will also try to make the settlement process “essentially simultaneously” to limit any changes in price.

Whether Bank of America will use ever use this patent remains to be seen; many financial institutions including MasterCard, Amazon, and JPMorgan have applied for bitcoin-related patents. Yet, despite the patents, none of them have actually started using bitcoin, most likely due to the uncertain regulatory climate surrounding digital currency.


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