USPTO Patent Applications - Business Methods (G06Q)

Machine Learning Reservation Data Management System

The USPTO published patent application US20260099775A1 for a machine learning system that renders combined views of static contracted inventory and dynamic shared reserve inventory using time-based decay logit outputs. The system generates constrained views of available offers for re-allocating reservation data objects. The application was filed on October 7, 2025, by six inventors and published on April 9, 2026.

Digital Asset Transaction System With Blockchain Escrow - US20260099830A1

The USPTO published patent application US20260099830A1 by inventor Sean William Honeywell on April 9, 2026. The application discloses a digital-asset transaction system combining dual-tier messaging architecture with blockchain-based escrow and fiat-rail payment integration for regulated settlement of digital asset transfers.

EV Charging Control System With Integrated Billing Selection

The USPTO published patent application US20260097680A1 by Toyota Jidosha Kabushiki Kaisha for a charging control system integrating billing selection with scheduled charging settings. The system selects PnC billing when scheduled charging is invalid and EIM billing when scheduled charging is valid. The application was filed September 4, 2025.

Payment Routing Optimization Method Using API Messages

The USPTO published patent application US20260099829A1 for a computer-implemented method of optimized payment routing using API messages. The method receives transaction requests from enrolled users containing transaction information, source and destination identifiers, accesses a collection of enrolled payment routes combining various payment rails and providers, selects an optimized route based on specific transaction requirements, and submits routing requests to execute transactions. Inventors are Derek John Zumsteg and Shamir Karkal. Filing date was October 6, 2025.

Managing Financial Accounts in Low-Cash Mode

The USPTO has published patent application US20260099831A1 for a system that manages financial accounts in low-cash mode. The system notifies users when account balances fall below a threshold, presents transfer options, and executes automatic fund transfers between accounts to maintain adequate balances. Inventors include Urich T. Bowers, Mecal McDade, Todd Tkach, Mike Kirch, Eric Romantino, and Matthew Barrett.