USPTO Patent Application for Value Transfer System

ChangeBridge: Patent Apps - Business Methods (G06Q)

Detected March 26th, 2026

Summary

The USPTO has published a patent application (US20260087479A1) for a value transfer system with offline functionality. The application describes a method where user devices store value locally and transfer it when in close physical proximity, with a transfer server managing the transaction.

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What changed

This document is a published patent application from the USPTO for a "COMPUTER SYSTEM, METHOD, AND DEVICE FOR TRANSFERRING VALUE WITH OFFLINE FUNCTIONALITY." The application (US20260087479A1), filed on December 5, 2025, details a system where sending and receiving user devices store value locally. The transfer server freezes the value upon request, and the transfer occurs if the devices are in close physical proximity, with funds unfrozen upon confirmation and acceptance.

This is a patent application, not a regulation, and therefore does not impose direct compliance obligations or penalties on regulated entities. However, the technology described could impact future payment systems and financial technology development. Compliance officers in the fintech and payments sectors may wish to monitor the progress of this patent application and similar innovations in offline value transfer mechanisms.

Source document (simplified)

← USPTO Patent Applications

COMPUTER SYSTEM, METHOD, AND DEVICE FOR TRANSFERRING VALUE WITH OFFLINE FUNCTIONALITY

Application US20260087479A1 Kind: A1 Mar 26, 2026

Inventors

Mark Church

Abstract

A system and method for transferring value across user devices is provided. The system includes sending and receiving user devices. The sending and receiving user devices are configured to store value locally on the respective device. The receiving user device is configured to receive a transfer amount sent by the sending user device. The system also includes a transfer server. If the sending user device stores value at least equal to the transfer amount, the transfer server freezes an amount of value at least equal to the transfer amount. The sending user device transfers the transfer amount to the receiving user device as frozen funds to be unfrozen upon receiving confirmation from the user of the sending user device and acceptance from the receiving user device. The transfer occurs only if the sending and receiving user devices are in close physical proximity upon or shortly after the transfer request.