USPTO Patent Application: Multichannel Authentication and Tokenization System

ChangeBridge: Patent Apps - Business Methods (G06Q)

Detected March 23rd, 2026

Summary

The USPTO has published a patent application for a multichannel authentication and tokenization system. The application describes a system designed to handle authentication and token generation for both in-store point of sale terminals and e-commerce services using a unified tokenization protocol.

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What changed

This document is a USPTO patent application (US20260081906A1) for a "Multichannel Authentication and Tokenization System." The application details a system comprising separate authentication systems for in-store point of sale terminals and user devices accessing e-commerce services, both governed by distinct policies. A key feature is a tokenization system that generates tokens for both channels based on a shared protocol, forwarding these tokens to the retailer backend system. The filing date was October 3, 2025.

As this is a patent application, it does not impose immediate regulatory requirements or compliance deadlines on businesses. However, it signals potential future technological developments in authentication and tokenization that could impact payment processing, data security, and customer experience in retail and e-commerce sectors. Companies involved in these areas may wish to monitor the progress of this and similar patent applications.

Source document (simplified)

← USPTO Patent Applications

MULTICHANNEL AUTHENTICATION AND TOKENIZATION SYSTEM

Application US20260081906A1 Kind: A1 Mar 19, 2026

Inventors

Abhishek Paul, Dipanjan Bandyopadhyay, Prem Kumar Mani

Abstract

In some embodiments, apparatuses and methods are provided herein useful to multichannel authentication and tokenization. A system comprises a first authentication system serving a plurality of in-store point of sale terminals and implementing a physical channel authentication policy and a second authentication system serving a plurality of user devices accessing an e-commerce service and implementing an e-commerce channel authentication policy, and a tokenization system. The tokenization system being configured to generate a first token in response to receiving a first user credential from an in-store point of sale terminal via the first authentication system, generate a second token in response to receiving a second user credential from a user device via the second authentication system, and forward the first token and the second token to the retailer backend system, wherein the first token and the second token are generated based on a same tokenization protocol.