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HYPER-PERSONALIZED IDENTITY-BASED FINANCIAL SYSTEM

Application US20260080391A1 Kind: A1 Mar 19, 2026

Inventors

Rares Ioan Almasan, Rebecca L. Henry, Swatee Singh, Kenneth M. Wolf

Abstract

Systems and methods for identity-based interconnected transactions are disclosed. The system may receive an interconnected transaction request comprising a first financial subsystem identifier, a second financial subsystem identifier, and a transaction request. The first financial subsystem and the second financial subsystem may not be in direct communication with each other. The first financial subsystem may write the interconnected transaction request to an interconnected transaction ledger. The second financial subsystem may retrieve the interconnected transaction request from the interconnected transaction ledger. In response to retrieving the interconnected transaction request the second financial subsystem may complete the transaction request.

CPC Classifications

G06Q 20/3672 G06N 20/00 G06Q 20/4014 G06Q 20/425 H04L 9/0637 G06Q 2220/00

Filing Date

2025-11-05

Application No.

19380174