Visa was granted a patent for conditional offline payments.

{
  "signal_id": "1e965e3f-e860-5a52-870a-34f7f7ce4d7e",
  "signal_type": "patents-company",
  "signal_subtype": "patentGrant",
  "detected_at": "2026-10-30T00:54:00+00:00",
  "company": {
    "name": "Visa",
    "domain": "visa.com"
  },
  "data": {
    "cpc": [
      {
        "code": "H04L 9/088",
        "label": "Transmission of digital information"
      },
      {
        "code": "H04L 9/3263",
        "label": "Transmission of digital information"
      }
    ],
    "tags": [
      "Intellectual Property",
      "Research & Development",
      "Financial Transactions",
      "Authentication",
      "Mobile Devices"
    ],
    "detail": "In October 2026 Visa patented a payment method for authorizing value transfers without continuous connectivity, including in mobile and peer-to-peer transactions.",
    "summary": "Visa was granted a patent for conditional offline payments.",
    "event_at": "2026-10-27",
    "inventors": [
      {
        "name": "Ranjit Kumaresan",
        "status": "unresolved",
        "is_primary": true
      },
      {
        "name": "Mahdi Zamani",
        "status": "unresolved",
        "is_primary": false
      },
      {
        "name": "Srinivasan Raghuraman",
        "status": "resolved",
        "is_primary": false,
        "linkedin_url": "https://www.linkedin.com/in/srinivasan-raghuraman-648a2045"
      },
      {
        "name": "Mihai Christodorescu",
        "status": "resolved",
        "is_primary": false,
        "linkedin_url": "https://www.linkedin.com/in/mihaichristodorescu"
      },
      {
        "name": "Mohammad Mohsen Minaei Bidgoli",
        "status": "unresolved",
        "is_primary": false
      }
    ],
    "tech_area": "networking / data transmission",
    "event_kind": "grant_date",
    "grant_date": "2026-10-27",
    "source_url": "https://patents.google.com/patent/US12776905",
    "cpc_primary": {
      "code": "H04L 9/088",
      "label": "Transmission of digital information"
    },
    "patent_title": "Conditional offline interaction system and method",
    "patent_number": "US12776905",
    "uspto_assignee": "Visa International Service Association",
    "patent_abstract": "A method includes receiving, from a second user device, an interaction message comprising an amount and a condition, and a witness. The method also includes verifying an identify of the second user device, and the interaction message by determining that the witness satisfies the condition. Responsive to verifying the interaction message, the method includes adjusting an online balance for the second user device, generating a response message that indicates that the interaction message was successfully evaluated and the amount was added to the online balance, and transmitting the response message to the second user device.",
    "precision_class": "structural",
    "invention_explanation": "A system that checks a sender’s identity and a trusted witness before updating an account balance and confirming a payment made offline.",
    "technologies_mentioned": [
      "offline payments",
      "digital identity verification",
      "secure messaging",
      "mobile payments"
    ]
  }
}

curl https://signals.autobound.ai/v1/signals/1e965e3f-e860-5a52-870a-34f7f7ce4d7e \
  -H "X-API-KEY: $AUTOBOUND_API_KEY"

curl -X POST https://signals.autobound.ai/v1/companies/enrich \
  -H "X-API-KEY: $AUTOBOUND_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"domain":"visa.com","limit":20}'