Circuit-based Secure Transaction Processing

ChangeBridge: Patent Apps - Business Methods (G06Q)

Published December 5th, 2025

Detected April 2nd, 2026

Summary

USPTO published patent application US20260094181A1 by inventors Todd C. Moning, Valerie Felice Lancelle, and Giacomo Domeniconi, covering circuit-based secure transaction processing systems. The invention involves selection and processing circuitry for managing multiple reward-type transaction accounts registered by financial institutions, using optimization algorithms to maximize user value for prospective purchases while implementing secure protocols to prevent unauthorized access.

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What changed

The USPTO published this patent application on April 2, 2026, disclosing methods and systems for circuit-based transaction processing with secure-access protocols. The invention relates to selection and processing circuitry configured to enable selection among multiple reward-type transaction accounts based on an optimization algorithm that accounts for rewards offerings. The system aims to maximize user-specific value for particular prospective purchase transactions using secure protocols compliant with the selected reward account's requirements.

This is a published patent application and creates no compliance obligations for regulated entities. Companies in the financial technology, digital payments, or banking sectors may review the disclosure for technical insights into reward optimization algorithms and secure transaction processing architectures. No deadlines, penalties, or required regulatory actions are associated with this patent publication.

Source document (simplified)

← USPTO Patent Applications

CIRCUIT-BASED TRANSACTION WITH SECURE-ACCESS PROCESSING

Application US20260094181A1 Kind: A1 Apr 02, 2026

Inventors

Todd C. Moning, Valerie Felice Lancelle, Giacomo Domeniconi

Abstract

In certain specific examples, aspects are directed to methods and systems involving selection and processing circuitry involving multiple transaction-directed user accounts registered by a service provider (e.g., banking or other type of financial institution) and with the selection and processing circuitry configured to enable selection of one of the accounts, based on an optimization algorithm which accounts for the rewards offerings. The recommended and/or selected one of the reward-type transaction accounts may realize a maximum level of value, according to user-specific criteria, for a particular prospective purchase transaction, and the transaction may be being carried out via a secure protocol that is to mitigate or prevent unauthorized use of the VTC circuit and that is in compliance with a secure protocol associated with the selected one of the reward-type transaction accounts.