EPO granted patent EP4111349A1 to Giesecke+Devrient advance52 GmbH for a method enabling direct transmission of electronic coin datasets between terminals, including associated payment, protection, and monitoring systems. The inventors are Fritzhanns, Tilo; Gawlas, Florian; Seidemann, Wolfram; and Veleva, Maria. The patent covers IPC classifications for financial payment systems and data security.

This is a patent publication rather than a regulatory requirement—entities are not obligated to take compliance action. Financial technology companies developing electronic payment or digital currency transfer systems should review the patent claims to assess potential intellectual property considerations when designing similar systems within EPO-designated states.