Patent Application for Digital Unit Management with Automated Sub-Account Allocation

ChangeBridge: Patent Apps - Business Methods (G06Q)

Published December 1st, 2025

Detected March 26th, 2026

Summary

The USPTO has published a patent application (US20260087487A1) for a system managing digital coin transfers with automated sub-account allocation. The application details a method for partitioning digital wallets into spend, save, share, and penalty sub-accounts with distinct redemption rules.

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What changed

This document is a published patent application, not a regulatory rule or guidance. It describes a computer-implemented system and method for managing digital coin transfers, specifically detailing how digital wallets can be partitioned into sub-accounts (spend, save, share, penalty) with automated allocation based on policy rules and distinct expenditure restrictions.

As a patent application, it does not impose any immediate compliance obligations or penalties on regulated entities. However, if granted, the patent could impact companies involved in digital currency management, payment processing, and loyalty programs by potentially restricting the implementation of similar technologies. Compliance officers should note this as a potential future development in the fintech space.

Source document (simplified)

← USPTO Patent Applications

SYSTEM AND METHOD FOR DIGITAL UNIT MANAGEMENT WITH AUTOMATED SUB-ACCOUNT ALLOCATION

Application US20260087487A1 Kind: A1 Mar 26, 2026

Inventors

Priya RAJENDRAN, Sen Reeves XAVIER

Abstract

A computer-implemented method and system for managing digital coin transfers with automated sub-account allocation. The system maintains wallet records for user accounts, each including a digital wallet partitioned into sub-accounts comprising a spend sub-account for immediate redemption, a save sub-account with threshold-based access restrictions, a share sub-account for inter-account transfers, and a penalty sub-account with redemption restrictions. Upon receiving a service assignment and associated digital coins from a first user, the system transmits the assignment to a second user. The system receives completion notification from the second user and confirmation from the first user, then transfers the digital coins between wallets. The transferred coins are automatically allocated among the sub-accounts according to stored policy rules specifying allocation percentages. The system records transfers in a digital ledger and enforces distinct expenditure rules for each sub-account type.