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MasterCard未来或为加密货币用户提供退款服务

近日,一项来自MasterCard的新专利申请显示,这家全球信用卡发行方正值探索为加密货币用户创建退款服务。

这项专利申请的标题为“信息交易基础设施”,由美国专利与商标办公室(USPTO)于8月3日公布,提交于今年1月份。MasterCard前高级分析师 Vladimir Goloshchuk是这项专利的唯一发明人。

这项专利申请详细介绍了一种基础设施,用户能够通过这个基础设施验证他们的身份,然后与一个他们选择公开的加密货币地址相连接。

这个专利申请的文件指出,如果用户从交易所或其他服务的账户向商家提交支付。对于交易所而言,用户的资金可能会与其他人的资金被保管在一起。当商家因为某些原因必须向消费者退款时,他们将把资金发回与这个消费者账户相关联的一个账户地址——在这种情况下,交易所或托管方也许然后必须去了解这些资金的来源以及发送的原因。

遇到这种情况,MasterCard为用户提出了一种方式,通过一种共享服务拥有两种钱包。

专利文件显示:

“这种安排的基本原则是…这种共享钱包服务的用户需要拥有两种类型的钱包。首先他们需要有一个”公共“钱包来进行链上公开可用的和可验证的交易。用户将在这个使用公共钱包的共享钱包服务的外部执行和接收加密货币支付。”

文件还表示:

“通过这种方式,加密货币支付的商家退款问题就能够得到解决——从公共钱包收到的支付可以通过向这个公共钱包发送相等的支付来进行退还。”

这项专利申请是MasterCard关于加密货币方面的最新消息,这家信用卡巨头在过去几年已经申请了多种专利。该公司还开发了一些基于区块链技术的项目,并于去年秋季发布了一套专用API。

A new patent application from Mastercard suggests that the global credit card issuer is exploring ways to build refund services for cryptocurrency users.

The application, titled "Information Transaction Infrastructure", was published by the the U.S. Patent and Trademark Office (USPTO) on August 3, having been submitted in late January. Vladimir Goloshchuk, who according to LinkedIn previously worked as a senior analyst at Mastercard, is listed as the sole inventor.

The application details an infrastructure through which users could verify their identities, which would then be linked to cryptocurrency addresses they elect to disclose.

The text of the application points to this being most relevant for situations in which users are submitting payments to merchants from accounts on exchanges, or other services, in which their funds may be held alongside those belonging to others.

In the event that a merchant has to send the money back for a refund, they would send it back to an address linked to that user's account – a situation in which the exchange or custody holder might then need to know where those funds are being sourced from and why.

To counter this, Mastercard proposes a way for users, through a shared service, to have two kinds of wallets.

"The basic principle of the arrangement ... is that a user of the shared wallet service has two types of wallet. Firstly, they have a 'public' wallet for on-the-chain publicly visible and verified transactions. The user will make and receive cryptocurrency payments external to the shared wallet service using a public wallet," the application explains, adding:

"Using this approach, the refund problem can be addressed – a payment received from the public wallet can be refunded by an equal payment back to the public wallet."

The application is the latest from Mastercard, which has filed several patents in the past few years. The company has also developed projects focused on blockchain tech, releasing a set of dedicated APIs last fall.


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