Peer-to-Peer Payment System Using Blockchain Tokens
Summary
USPTO published patent application US20260094142A1 for a peer-to-peer payment system using blockchain tokens, filed October 1, 2025 by inventors Cristian Radu, Hugo Oliveira, and Francesco Gallo. The invention describes a computer-implemented method for transferring tokens between payer and payee devices with subsequent blockchain ledger recording.
What changed
USPTO published patent application US20260094142A1 describing a peer-to-peer payment system where tokens corresponding to monetary value are transferred directly between payer and payee devices. The system involves receiving a payment request at a payer device, sending tokens to a payee device, and later recording the transaction on a blockchain ledger maintained by a blockchain network server. Application number 19347293, inventors Cristian Radu, Hugo Oliveira, Francesco Gallo.
This is a publication of a patent application, not a final grant or regulatory requirement. No compliance actions are required from third parties. Technology companies, fintech developers, and payment service providers may review the application for R&D planning or freedom-to-operate analysis. The application filing date was October 1, 2025.
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Apr 3, 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.
Peer-To-Peer Payment System
Application US20260094142A1 Kind: A1 Apr 02, 2026
Inventors
Cristian Radu, Hugo Oliveira, Francesco Gallo
Abstract
The present invention relates to a computer implemented method of effecting peer to peer payments between a payer account and a payee account. The method comprises receiving, from a payee device at a payer device associated with a payer account, a payment request message indicating a transaction amount, where the payer account includes tokens corresponding to a monetary value, and sending, from the payer device to the payee device, a message including one or more of the tokens together corresponding to a monetary value equal to the transaction amount. At a later point in time, the payer device connects to a blockchain network server and sends a message to record the sending of the one or more of the tokens on a blockchain ledger maintained by the blockchain network server.
CPC Classifications
G06Q 20/223 G06Q 20/381 G06Q 2220/00
Filing Date
2025-10-01
Application No.
19347293
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