https://patentscope.wipo.int/search/fr/detail.jsf?docId=WO2018169505&tab=PCTDESCRIPTION&office=&prevFilter=&sortOption=Date+de+pub.+antichronologique&queryString=FP%3A%28visa%29&recNum=1&maxRec=7609
WO2018169505
Conducting daily financial transactions using portable financial devices, such as payment by credit card, debit card, or an electronic wallet application, offers numerous advantages over other payment methods, such as using cash or personal check. These advantages include: ease of use at the point-of-sale, elimination of the need to carry large amounts of cash, and ability to earn rewards for use of the portable financial device. Such transactions are also beneficial for issuing institutions and transaction service providers for collecting transaction data that can be used for analysis. Despite these advantages, many people around the world still do not fully utilize, or utilize at all, portable financial devices for their financial transactions.
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That's for cash payment where did you go to school. This is crypto baby!
"This invention relates generally to displacing cash-based transactions"
Go FUD somewhere else - lol
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Get a brain, ETN instant payment doesn't work directly on the blockchain, so it's no different.
ETN instant payment is using a token WITHOUT direct process on the blockchain.