Apparatus and method for providing real-time payment transactions and/or peer-to-peer payment transactions and security for the same

An apparatus, comprising:

• a central processing computer;
• a distributed ledger technology system, wherein the distributed ledger technology system includes a plurality of first distributed ledger technology and blockchain systems;
• and
• a payment provider system, wherein the payment provider system includes a plurality of second distributed ledger technology and blockchain systems;
• wherein the distributed ledger technology system and the payment provider system are each configured to process information for, and to execute, a real-time payment or a peer-to-peer payment using a hybrid stable coin, wherein the hybrid stable coin is capable of having a market value in excess of a minimum stable and unchanging value, from a user payor to a counterparty payee account associated with a counterparty payee,
• wherein the central processing computer receives information regarding a requested payment, wherein the information regarding the requested payment is transmitted from a counterparty communication device associated with the counterparty payee, wherein the central processing computer processes information regarding the requested payment and verifies and identity of the counterparty payee and the counterparty payee account, and further wherein the central processing computer generates a payment request message, and further wherein the central processing computer transmits the payment request message to a user communication device associated with the user payor, and further wherein the central processing computer receives a payment request response message transmitted from the user communication device, wherein the payment request response message contains information regarding the user payor and an instruction to make a payment using an amount of the hybrid stable coin to effectuate a payment to the counterparty payee account,
• wherein the central processing computer verifies an identity of the user payor and verifies that the user payor has sufficient funds in the hybrid stable coin to effectuate the payment to the counterparty payee account, and further wherein the central processing computer processes information for instructing, and instructs, the distributed ledger technology system or the payment provider system to execute a real-time payment or a peer-to-peer payment in the hybrid stable coin, and using the market value of the hybrid stable coin, to the counterparty payee account, or wherein the central processing computer processes information for effectuating and executes a real-time payment or a peer-to-peer payment in the hybrid stable coin, to the counterparty payee account,
• and further wherein, upon execution of, or upon confirmation of, the occurrence of the real-time payment or the peer-to-peer payment, using the hybrid stable coin, to the counterparty payee account, the central processing computer generates a payment completed message and transmits the payment completed message to the user communication device and to the counterparty communication device, and further wherein the central processing computer stores information regarding the real-time payment or the peer-to-peer payment from the user payor account to the counterparty payee account in a database, in the distributed ledger technology system, or in a database and in the distributed ledger technology system.

An apparatus, comprising:

• a central processing computer;
• a distributed ledger technology system, wherein the distributed ledger technology system includes a plurality of first distributed ledger technology and blockchain systems;
• and
• a payment provider system, wherein the payment provider system includes a plurality of second distributed ledger technology and blockchain systems;
• wherein the distributed ledger technology system and the payment provider system are each configured to process information for, and to execute, a real-time payment or a peer-to-peer payment, with and using a plurality of payment means or mediums of exchange identified by a user payor, to a counterparty payee account associated with a counterparty payee, wherein the plurality of payment means or mediums of exchange include two or more credit accounts or credit card accounts, or two or more bank accounts, or two or more checking accounts, or two or more savings accounts, or two or more currencies, or two or more cryptocurrencies, or two or more spending accounts, or wherein the plurality of payment means or mediums of exchange include any combination of two or more of a credit account or credit card account, a bank account, a checking account, a savings accounts, a currency, a cryptocurrency, or a spending account,
• wherein the central processing computer receives information regarding a requested payment, wherein the information regarding the requested payment is transmitted from a counterparty communication device associated with the counterparty payee, wherein the central processing computer processes information regarding the requested payment and verifies and identity of the counterparty payee and the counterparty payee account, and further wherein the central processing computer generates a payment request message, and further wherein the central processing computer transmits the payment request message to a user communication device associated with the user payor, and further wherein the central processing computer receives a payment request response message transmitted from the user communication device, wherein the payment request response message contains information regarding a plurality of payment instructions, wherein each payment instruction includes information regarding a payment means or a medium of exchange, and further wherein the each payment instruction includes a payment amount which is less than the requested payment,
• wherein the central processing computer verifies an identity of the user payor and the verifies that each payment instruction of the plurality of payment instructions has a payment amount which is less than the requested payment, and further wherein the central processing computer processes information for instructing, and instructs, the distributed ledger technology system, instructs the payment provider system, or instructs both the distributed ledger technology system and the payment provider system, to process the plurality of payment instructions and to effectuate or execute a real-time payment or a peer-to-peer payment of the requested payment to the counterparty payee account, or wherein the central processing computer processes information for processing the plurality of payment instructions and effectuates or executes a real-time payment or a peer-to-peer payment of the requested payment to the counterparty payee account,
• and further wherein, upon execution of, or upon confirmation of, the occurrence of the real-time payment or the peer-to-peer payment to the counterparty payee account, the central processing computer generates a payment completed message and transmits the payment completed message to the user communication device and to the counterparty communication device, and further wherein the central processing computer stores information regarding the real-time payment or the peer-to-peer payment from the user payor account to the counterparty payee account in a database, in the distributed ledger technology system, or in a database and in the distributed ledger technology system.