Remittance with Recipient Alias System

ChangeBridge: EPO Bulletin - Business Methods (G06Q)

Published March 25th, 2026

Detected April 1st, 2026

Summary

The European Patent Office published Visa International Service Association's patent application EP4055550A1 on March 25, 2026. The invention covers a remittance system using recipient alias identifiers instead of traditional account numbers to facilitate cross-border money transfers. The patent is designated for all EU member states and EPC contracting states including Germany, France, the United Kingdom, Italy, and Spain.

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What changed

The EPO published Visa's remittance patent (EP4055550A1) covering a system for electronic funds transfers using recipient alias identifiers. The patent, filed by inventors Otto Williams and Harsha Sathyanarayana Naga, classifies under G06Q 40/02 (finance) and G06Q 20/40 (payment transactions). Designated states include all EU member states and EPC contracting parties.

Financial institutions and payment service providers offering remittance services should review the patent claims for potential licensing implications. Patent holders and IP counsel may want to monitor this publication in the digital payments space. There is no compliance deadline associated with this patent publication.

Source document (simplified)

← EPO Patent Bulletin

REMITTANCE WITH RECIPIENT ALIAS

Publication EP4055550A1 Kind: A1 Mar 25, 2026

Applicants

Visa International Service Association

Inventors

WILLIAMS, Otto, NAGA, Harsha Sathyanarayana

IPC Classifications

G06Q 40/02 20120101AFI20221114BHEP G06Q 20/40 20120101ALI20221114BHEP

Designated States

AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LI, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR

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