SYSTEM AND METHOD OF DIGITIZING PHYSICAL CURRENCY OF A CASH TRANSACTION BETWEEN A MERCHANT AND A CUSTOMER

摘要

Systems and methods for digitizing physical currency of a cash transaction between a merchant and a customer receive transaction data from a merchant POS device including an indication of an amount of change owed to a customer and an adjustment instruction authorizing an equivalent amount to be escrowed in a digital escrow account; send an escrow instruction enabling a transfer of the adjustment amount from a merchant account to the digital escrow account; generate an graphical symbol encoded with the adjustment instruction; send the encoded graphical symbol to the POS device for the POS device to print on a customer receipt; receive from a customer device, the adjustment instruction, wherein the graphical symbol was captured by the customer device and the adjustment instruction was decoded therefrom; and send a transfer instruction enabling transfer of the adjustment amount from the digital escrow account to a customer account.