US 2026/0260239 A1 · FLEXIBLE CREDENTIAL ENABLED PUSH NOTIFICATIONS

Abstract

Systems and techniques for flexible credential enabled push notifications are described. A unified payment credential links multiple funding sources through encrypted communication channels. The system determines optimal processing paths between default and alternative paths while preserving transaction state through secure queuing without pre-authorization charges. A rules engine analyzes merchant categories and calculates rewards across funding sources in real-time. Transaction integrity is maintained during source switching through authenticated state transitions and parameter encryption. The system generates secure push notifications about alternative funding options, processes authenticated user responses and preserves transaction states during user interaction. Status updates are synchronized across digital interfaces through protected channels. The implementation enables secure transaction processing while maintaining optimization capabilities through sophisticated rules processing, real-time notifications, and protected state management.

Claims20

Dependent claims

A system for secure transaction processing, comprising:

at least one processor;
and
memory comprising instructions that, when executed by the at least one processor, cause the at least one processor to perform operations to:
link multiple funding sources to a single unified payment credential using authentication protocols;
receive transaction parameters for a transaction through an encrypted channel, the transaction specifying a default path to process the transaction;
select an alternate processing path for the transaction rather than the default path based on the transaction parameters;
interrupt the transaction, based on selection of the alternate processing path;
preserve, based on interruption of the transaction, transaction state of the transaction in a secure queue without pre-authorization of charges;
route the transaction through the alternate processing path using the transaction parameters in the transaction state preserved in the secure queue while maintaining encryption of the transaction parameters;
and
transmit status updates across digital interfaces to a user device through a protected communication channel.

8 more elements

At least one non-transitory machine-readable medium comprising instructions for secure transaction processing that, when executed by at least one processor, cause the at least one processor to perform operations to:

link multiple funding sources to a single unified payment credential using authentication protocols;
receive transaction parameters for a transaction through an encrypted channel, the transaction specifying a default path to process the transaction;
select an alternate processing path for the transaction rather than the default path based on the transaction parameters;
interrupt the transaction, based on selection of the alternate processing path;
preserve, based on interruption of the transaction, transaction state of the transaction in a secure queue without pre-authorization of charges;
route the transaction through the alternate processing path using the transaction parameters in the transaction state preserved in the secure queue while maintaining encryption of the transaction parameters;
and
transmit status updates across digital interfaces to a user device through a protected communication channel.

5 more elements

A method for secure transaction processing, comprising:

linking multiple funding sources to a single unified payment credential using authentication protocols;
receiving transaction parameters for a transaction through an encrypted channel, the transaction specifying a default path to process the transaction;
selecting an alternate processing path for the transaction rather than the default path based on the transaction parameters;
interrupt the transaction, based on selection of the alternate processing path;
preserving, based on interruption of the transaction, transaction state of the transaction in a secure queue without pre-authorization of charges;
routing the transaction through the alternate processing path using the transaction parameters in the transaction state preserved in the secure queue while maintaining encryption of the transaction parameters;
and
transmitting status updates across digital interfaces to a user device through a protected communication channel.

5 more elements

Dependencies are inferred from the claim text.

Flexible credential enabled push notifications

Life of this patent

Flexible credential enabled push notifications

Life of this patent

Abstract

Claims20