The present disclosure provides a system and a method to delivery multi-currency features on an existing card without re-issuing another card for multi-currency. The proposed system uses virtual multi-currency ledgers to implement multi-currency payments on the existing card. The system provides multi-currency features to clients of issuer and cardholders. The multi-currency features may be accessed with issuer mobile banking app through a travel mode layer. The system is transparent to merchants/acquirer. Also, the system minimises issuer and issuer processor development.
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Prasad, Ranjiva; Altwegg, Mathieu Andre Guy; McCoy, Thomas; Kuchman, Julia; Minton, William; Pickard, Samuel; Royle, Iain; Kramer, Dean; and Wensveen, Ronald Van, "SYSTEM AND METHOD FOR DELIVERYING MULTI-CURRENCY FEATURES ONTO AN EXISTING CARD", Technical Disclosure Commons, (June 09, 2021)