A user device — including wearables — that detects when a user enters a foreign region, discovers nearby pre-authorized partner processors via geolocation, authenticates cross-region transactions against the home processor, and optionally caches the partner list for full offline operation.
When a user travels abroad with their phone or wearable, their financial app has no mechanism to discover which nearby institutions are authorized to process their transactions. Even if they find one, the device can't authenticate the transaction locally — it has no way to transmit the user's home account context to the foreign processor without a global intermediary network.
The user device detects that the user has entered a foreign region, then either queries the home processor for nearby partner processors or searches a locally cached partner list. It authenticates the transaction against the home processor via a pre-authorized M2M connection, optionally requests pre-authorization for the transaction value, and initiates the transaction at the selected partner.
Claim 8 explicitly narrows the device to a wearable — extending the full architecture to watches and other constrained devices. The companion patent US11792165B2 covers the home processor infrastructure side of this same system.
The device runs the full user-facing workflow: it detects geo-region change, discovers partners (online or from local cache), presents recommendations, authenticates via home processor, optionally pre-authorizes, and initiates the transaction. The home processor handles the infrastructure side — covered in companion patent US11792165B2.
The pre-authorized connection between the home processor and each partner processor is established before the user travels. The device benefits from this pre-established trust without needing to participate in the original setup.
Claims 3 and 4 define two distinct partner discovery modes — online and offline. In online mode, the device submits a geo-location query to the home processor, which searches and returns matching partners. In offline mode, the device carries a locally stored full partner list and searches it directly based on current geo-location.
The offline mode is particularly significant for wearables (Claim 8): a smartwatch operating in a constrained environment or poor connectivity can still discover and connect to foreign partner processors using its locally cached list — no live network required for the discovery step.
Device transmits geo-location query to home processor. Home searches its partner list and returns results for the user's current foreign region. Requires live M2M connection — always returns the most current partner list.
Device stores the full partner list locally in memory. Searches it autonomously based on current geo-location — no network needed for the discovery step. Ideal for wearables and connectivity-constrained environments.
Before initiating the transaction, device requests home processor to pre-authorize the specific transaction type and value. Home checks user credit — if credit ≥ value, pre-auth approved. Prevents execution failures at the partner.
The full architecture explicitly extends to wearable electronic devices — enabling smartwatches and other constrained devices to authenticate and initiate cross-region transactions using the same M2M infrastructure.
From initial region detection through partner discovery, pre-authorization, authentication, and transaction initiation — the device orchestrates the entire flow. Select a step to trace the user device's actions.
Claim 2 covers a critical element of the cross-region architecture: after the user authenticates and selects a partner, the device initiates a transfer of the user's registration data from the home processor to the selected partner. This is what enables the partner to process the transaction without having any prior relationship with the user.
The registration data package (specified in Claim 3 of the companion system patent) includes: user identity, home processor identity, device identity, and a portion of user credit. The partner receives all of this before the transaction begins — eliminating the need for the user to re-register or provide credentials at the foreign institution.
The device-side architecture enables a wide range of consumer financial scenarios that were previously blocked by the lack of portable identity, geo-aware discovery, and wearable support.
This is a 2023 grant in the M2M transfer and cross-region financial transaction space. The patent's architecture — particularly the offline partner list caching and wearable extension — addresses a distinct gap in portable financial identity. Forward citations, if any, are dynamically rendered on Google Patents.
One of the most significant dependent claims is Claim 8 — which explicitly narrows the user device to a wearable electronic device. This is not just a form-factor claim; it extends the full geo-aware discovery, M2M authentication, pre-authorization, and registration-data-transfer architecture to devices that cannot run traditional payment stacks.
Combined with the offline discovery mode (Claim 4), a wearable device can operate the full cross-region transaction workflow without live connectivity for the discovery step — using only the locally stored partner list and initiating authentication when network access is available.
Wearable detects that the user has entered a foreign region — using GPS or network-based location available on the device.
Wearable stores the pre-loaded partner list in its own memory — enabling discovery without querying the home processor in real time.
Wearable initiates authentication with the home processor via pre-authorized connection — verifying the user's identity with PIN, biometric, or device ID.
After authentication and optional pre-authorization, the wearable initiates the full data processing transaction at the selected partner processor.