USPTO Patent Application for Adaptable Payment Transactions

ChangeBridge: Patent Apps - Business Methods (G06Q)

Published September 5th, 2023

Detected March 26th, 2026

Summary

The USPTO has published a patent application (US20260087478A1) for autonomous adaptable payment transaction interfaces. The application describes systems and methods for dynamic, secure payment interfaces that do not require applications to be installed or dedicated transaction accounts on the recipient's device.

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What changed

This document is a published patent application from the USPTO detailing an invention for "AUTONOMOUSLY ADAPTABLE PAYMENT TRANSACTIONS AND INTERFACES." The application (US20260087478A1), filed on September 5, 2023, describes a method where a client device receives a data object for a transaction request. Executing this data object triggers a process to determine the active application and its default payment mechanism, which is then displayed on an adaptable transaction interface. This system aims to facilitate payments without requiring recipient devices to have specific applications installed or dedicated transaction accounts.

As this is a patent application, it does not impose immediate regulatory obligations or compliance deadlines on businesses. However, companies involved in payment processing, fintech, and e-commerce should monitor the progress of this patent and similar technologies, as granted patents can lead to licensing requirements or influence future product development and industry standards. The core innovation lies in creating adaptive smart interfaces for transactions that enhance user experience and reduce friction.

Source document (simplified)

← USPTO Patent Applications

AUTONOMOUSLY ADAPTABLE PAYMENT TRANSACTIONS AND INTERFACES

Application US20260087478A1 Kind: A1 Mar 26, 2026

Inventors

Yue FENG

Abstract

The disclosure is directed to automated systems and computer implemented methods to provide dynamic, adaptable and secure payment transaction interfaces are disclosed herein. In one aspect a method comprises receiving, by a client device, a data object that comprises a transaction request; executing, the data object, from an active application on the client device to trigger as a result of the executing, an adaptable transaction determination process, comprising determining, the active application that initiated the dynamic transaction interface; detecting, a default payment mechanism associated with the active application; and displaying, on the client device, the default payment mechanism on an adaptable transaction interface. The disclosed systems and methods allow for payments and other transactions to occur between a requesting party and recipient(s) of a transaction request via an adaptive smart interface that does not require applications to be installed or dedicated transaction accounts created on the recipient's device.