USPTO Patent Grant US12586099B2 for Payments, Incentives, Fraud Protection

ChangeBridge: Patent Grants - Business Methods (G06Q)

Published March 24th, 2026

Detected March 25th, 2026

Summary

The USPTO has granted patent US12586099B2 to PAY WITH SPIRE, INC. for a computer system designed to provide payments, incentives, and fraud protection. The system utilizes a platform provider to receive and validate information from enterprise networks, record it on a secure ledger, and identify or deliver customer communications and incentives.

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What changed

The United States Patent and Trademark Office (USPTO) has issued patent US12586099B2, titled 'Computer system for providing payments, incentives, and fraud protection within or across industries,' to PAY WITH SPIRE, INC. The patent describes a network including a platform provider with a centralized operating environment that receives, validates, and records information from multiple enterprise networks. This information can include customer and transaction details, which the platform uses to identify and deliver incentives, calculate fees between enterprise networks, or assess the probability of fraud.

This patent grant is primarily a notification of intellectual property protection for a specific technology. While it does not impose new regulatory obligations, it may influence the development and deployment of payment, incentive, and fraud detection systems within various industries. Companies operating in this space, particularly those utilizing similar network architectures or data validation methods, should be aware of this patent's existence and scope, as it could impact their own product development and competitive landscape.

Source document (simplified)

← USPTO Patent Grants

Computer system for providing payments, incentives, and fraud protection within or across industries

Grant US12586099B2 Kind: B2 Mar 24, 2026

Assignee

PAY WITH SPIRE, INC.

Inventors

Aydin A. Kadaster, Adam Frisch, S. Jermaine Johnston, Donald Krasnosky

Abstract

A network includes a platform provider having a centralized operating environment including a combination of hardware, software, and a communication device configured to receive information from a plurality of enterprise networks each configured to independently communicate information to the platform provider. The information includes customer information, device information, requested enrollment or application information, requested transaction information, completed enrollment or application information, or completed transaction information, or a combination thereof. The platform provider is configured to validate and record the information in a secure ledger. The platform provider is further configured to, based on the information, identify incentives, advertisements, or other communications to provide a customer, deliver incentives, advertisements, or other communications to a customer, calculate a fee owed by one enterprise network to one of the platform provider, another enterprise network, or a customer, or assess a probability that a requested consumer, device, enrollment, application, or transaction is fraudulent.