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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Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.