US Patent 10002353 Methods and systems for conducting transactions

According to some embodiments, a transaction may include receiving a funds transfer request, the funds transfer request specifying a source account associated with a first unit of value, a transaction amount, and a destination account associated with second unit of value, wherein the second unit of value is different than the first unit of value. The transaction may proceed with a response to the funds transfer request which is processed by automatically determining an exchange rate between the first and second units of value, wherein at least one of the first or second units of value is not a governmental currency, and automatically initiating a debit request to debit the transaction amount from the source account and automatically initiating a credit request to credit the transaction amount to the destination account.