Digital Asset Transaction System With Blockchain Escrow - US20260099830A1
Summary
The USPTO published patent application US20260099830A1 by inventor Sean William Honeywell on April 9, 2026. The application discloses a digital-asset transaction system combining dual-tier messaging architecture with blockchain-based escrow and fiat-rail payment integration for regulated settlement of digital asset transfers.
What changed
The USPTO published patent application US20260099830A1 disclosing systems and methods for executing digital-asset transactions using a dual-tier messaging architecture with tamper detection and message-integrity verification. The system includes a permissioned-blockchain channel managing smart-contract escrow in cold storage, and a fiat-rail channel integrating real-time payment protocols for bank confirmation that fiat funds are credited to a seller account.
For affected parties in the digital payments, fintech, and software technology sectors, this patent application indicates emerging intellectual property in blockchain-based escrow and settlement systems. Technology companies developing digital asset transaction platforms, cryptocurrency exchanges, and blockchain payment solutions should monitor this IP landscape for potential licensing considerations or avoidance of infringing development paths.
Archived snapshot
Apr 17, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
Transaction System and Method
Application US20260099830A1 Kind: A1 Apr 09, 2026
Inventors
Sean William HONEYWELL
Abstract
The invention relates to systems and methods for executing a digital-asset transaction using a dual-tier messaging architecture. A central messaging server provides tamper detection and message-integrity verification while routing bilateral messages between transacting devices. A permissioned-blockchain channel manages a smart-contract escrow that holds digital assets in cold storage. A fiat-rail channel integrates a real-time payment protocol to obtain bank or rail confirmation that fiat funds are credited to a seller account. Upon receipt of settlement evidence and a validated session state, the escrow releases the digital asset from a seller cold-storage wallet to a buyer cold-storage wallet. Embodiments may capture a seller opt-in via a banking application, generate a dual-ledger audit trail across permissioned and public blockchains, and emit transaction identifiers for cross-system reconciliation. The approach improves compliance, reduces counterparty risk, and provides verifiable audit artifacts for regulated settlement of digital-asset transfers.
CPC Classifications
G06Q 20/108 G06Q 20/3821 G06Q 2220/00
Filing Date
2025-11-26
Application No.
19402115
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