Unified Payment System for Cost-Effective Real-Time Financial Transactions

ChangeBridge: Patent Apps - Business Methods (G06Q)

Detected March 26th, 2026

Summary

The USPTO has published a patent application (US20260087468A1) for a unified interoperable payment system designed for cost-effective real-time financial transactions. The system utilizes a unified API, dynamic alias tokens, and ISO 20022 standards to facilitate transactions across multiple settlement rails.

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What changed

This document is a published patent application detailing a proposed computing system for real-time financial transactions. The system aims to unify multiple settlement rails through a single API, employing dynamic alias tokens validated by HSMs and expiring within 30 seconds. It maps canonical fields into ISO 20022 PACS.008.001.08, embeds compliance codes, and monitors rail health scores to retransmit messages to alternate rails if acknowledgments are delayed or availability drops below a threshold.

As this is a patent application, it does not impose immediate regulatory obligations. However, it outlines a novel technological approach to payment systems that could influence future industry standards and practices. Companies involved in payment processing, financial technology, and software development should be aware of this patented technology, as it may impact the competitive landscape and the development of new payment solutions.

Source document (simplified)

← USPTO Patent Applications

Unified Interoperable Payment System for Cost-Effective Real-Time Financial Transactions

Application US20260087468A1 Kind: A1 Mar 26, 2026

Inventors

PRITHVISH RAKESH DOSHI

Abstract

A computing system executes real-time transactions across multiple settlement rails through a unified API. A transaction request includes a dynamic alias token validated by an HSM and expiring within 30 seconds. Canonical fields are mapped into ISO 20022 PACS.008.001.08, with a compliance code embedded in SplmtryData. The system computes rail health scores every 500 ms and retransmits the same EndToEndId-identified message to alternate rails if acknowledgments exceed 150 ms or availability falls below a threshold. Transactions may be initiated using dynamic scannable codes. The architecture supports replay protection, ISO and non-ISO translations, and optional modules for cross-border or programmable settlement.