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Electronic payment device pairing and auto-transaction transmission system

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Summary

USPTO published patent application US20260094146A1 for an electronic payment processing system where a payment initiating device automatically transmits transaction information to a paired payment instrument reading device, eliminating rekeying requirements. The system includes location beacons to direct mobile devices to appropriate reading devices. Application filed December 8, 2025.

What changed

USPTO published patent application US20260094146A1, filed December 8, 2025, disclosing an electronic payment processing system comprising a payment initiating device, a payment instrument reading device, and a pairing module. The system enables automatic transmission of transaction information from the initiating device to the paired reading device without manual rekeying. In disclosed embodiments, beacons within premises determine mobile device location to route payment initiating devices to appropriate reading devices. The inventors are Ben Burdsall and Jonathan Stewart Vokes.

This publication is informational regarding the patent application. No compliance actions or deadlines apply. Entities developing similar payment pairing or auto-transaction transmission technologies should review the application claims to assess potential intellectual property considerations or licensing needs.

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Apr 3, 2026

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← USPTO Patent Applications

ELECTRONIC TRANSACTION PROCESSING SYSTEMS AND METHODS

Application US20260094146A1 Kind: A1 Apr 02, 2026

Inventors

Ben BURDSALL, Jonathan Stewart VOKES

Abstract

The invention relates generally to the processing of electronic payments that involve an payment instrument. A payment instrument reading device is paired with a payment initiating device to allow transaction information generated by the payment initiating device to be automatically transmitted to its associated payment instrument reading device. This means that rekeying of transaction information is not required. In some embodiments one or more beacons are provided in a premises, to allow the location of a mobile payment initiating device to be determined. This location is used to either direct the payment initiating device to a payment instrument reading device, or vice versa. Transaction data generated by the payment initiating device is automatically transmitted to the payment instrument reading device. A pairing module is also provided, which is configured to pair a payment instrument reading device with a payment initiating device.

CPC Classifications

G06Q 20/3278 G06Q 20/3223 G06Q 20/352 G07G 1/0081

Filing Date

2025-12-08

Application No.

19412335

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Named provisions

Electronic Transaction Processing Systems and Methods

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Last updated

Classification

Agency
USPTO
Published
December 8th, 2025
Instrument
Notice
Legal weight
Non-binding
Stage
Final
Change scope
Minor
Document ID
US20260094146A1

Who this affects

Applies to
Technology companies Retailers
Industry sector
5222 Fintech & Digital Payments 4411 Retail Trade 3341 Computer & Electronics Manufacturing
Activity scope
Electronic Payment Processing Device Pairing Technology Point-of-Sale Systems
Geographic scope
United States US

Taxonomy

Primary area
Financial Services
Operational domain
Legal
Topics
Payments Consumer Finance

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