Patents
We hold several patents covering innovations in digital payments, merchant interactions, and payment processing infrastructure
Below is a summary of our issued and published patents.
COIN Operated Digital Payments Hub
Patent: US20180068304A1 
Description: A COIN-based payment event data management system that consolidates accounting for all transaction parties. The COIN server translates and resolves across multiple APIs, enabling behavior analysis, multi-directional accounting, and transaction reconciliation.
Payment Processing Using Electronic Benefit Transfer (EBT) System
Patent: US20220027881A1
Description: Secure mobile payment processing leveraging EBT systems. The technology integrates presence detection and mobile interaction, enabling retailers to capture coupon use and purchase data while supporting payments at the point of sale.
Configuration Tool for Payment Processing
Patent: US20190114602A1
Description: A configurable system for merchants to select multiple payment sources. Provides a payment hub that connects receivers of payments with customer-facing interfaces, supported by a centralized payment transaction database.
System and Method for Managing Merchant-Consumer Interactions
Patent: US11270301B2
Description: A system combining payments with offers via virtual account numbers. Includes a checkout code mechanism and an offer generation engine, enabling merchants to issue tailored promotions that are processed as part of payment transactions.