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西联汇款申请专利,保障加密货币网络安全支付

西联新发布的一项专利显示,该公司设想了一种可以管理重复传输通知和加密货币网络的安全支付系统。

总部位于英国恩格尔伍德(Englewood)的西联是世界上最大的转账服务公司。根据美国专利和商标局周四公布的文件显示,该公司试图设计一种方法来提高电子支付的安全性。西联已于2016年12月申请了该项专利。

除此之外,西联提议系统使用生物识别验证,以确保发送方授权所有交易。验证形式可能以指纹扫描、用户声音样本或视网膜扫描等形式出现。

西联的专利申请显示,该系统已被设计为一种通用工具,以适应大多数类型的电子网络。

该文件也特别指出,“电子传输网络可能是一个加密货币网络,如比特币、莱特币或Peercoin”。

因此,电子传输网络可以配置为支持和执行各种货币类型,包括传统和/或数字货币,中心化的或去中心化的货币,加密货币和任何其他交易媒介(如在一个用户点系统的信贷、礼品卡或证书等等),客户端设备和/或外部系统之间在不同的地区或司法管辖区。

值得注意的是,在申请中没有提到XRP这种加密货币,XRP的支持者表示XRP是为向西联和其他金融机构的转账业务量身定制的。

这并不是说西联没有给XRP机会。正如CCN所报道的,该公司今年早些时候证实,它已与总部位于旧金山的区块链创业公司Ripple达成合作,将XRP整合到其支付流程中。

但最近,首席执行官Hikmet Ersek表示,他对该试验的早期结果并不感兴趣,上个月他曾表示:

我们总是受到批评说,西联的成本效率不高等等,但在我们的测试中,我们也并没有看到成本效率的提升。实际问题是,它还是太贵了。

A newly-published Western Union patent envisions a system that manages recurring transfer notifications and secure payments for a cryptocurrency network.

According to filing documents published by the U.S. Patent and Trademark Office on Thursday, the Englewood, CO-based firm — the largest money transfer service in the world — has sought to devise a method to increase the security of electronic payments. The firm first applied for the patent in Dec. 2016.

Among other things, Western Union‘s proposed system uses biometric verification such to ensure that senders authorize all transactions. This verification may come in the form of a fingerprint scan, a user voice sample, or a retinal scan.

The patent application indicates that the system has been designed as a general-purpose tool to accommodate most types of electronic network. However, the document specifically notes that “in certain embodiments” the “electronic transfer network may be a cryptocurrency network such as Bitcoin, Litecoin, or Peercoin (remember, the application was submitted in 2016).

“Thus, in various embodiments, electronic transfer network may be configured to support and perform transfers of various currency types, including traditional and/or digital currencies, centralized and/or de-centralized currencies, cryptocurrencies, and any other medium of exchange (e.g., credit, gift cards or certificates, points in a user point system, etc.), between client devices and/or external systems in different areas, regions, or jurisdictions.”

Notably absent from the application is any mention of XRP, a cryptocurrency that backers say is tailor-made for money transfer businesses like Western Union and other financial institutions.

That’s not to say that Western Union has not given XRP a closer look. As CCN reported, the firm confirmed earlier this year that it has entered a partnership with San Francisco-based blockchain startup Ripple to conduct a trial integrating XRP into its payment flows. More recently, though, CEO Hikmet Ersek said that he has not been impressed by the trial’s early results.

“We are always criticized that Western Union is not cost-efficient, blah blah blah, but we did not see that part of the efficiency yet during our tests,” Ersek said in June. “The practical matter is it’s still too expensive,” he added, without going into detail.


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