Satellite as the payment channel itself — not just a backup or a fraud-detection sidecar. The user's device determines available satellite bandwidth, packages the resource transmission request into a satellite communication sized to that bandwidth, and transmits to a processing component via the satellite network. If the request exceeds available bandwidth, it's chunked across multiple sequential satellite transmissions. A geo-triggered variant releases payment when a physical shipment reaches the recipient's location.
Modern payment systems are designed for broadband cellular or Wi-Fi: they assume low latency, high bandwidth, and continuous connectivity. When satellite is available but terrestrial networks are not, payment systems either fail entirely or fall back to degraded functionality. No existing payment infrastructure was designed to treat satellite as a first-class transmission medium — negotiating bandwidth, packaging requests to fit satellite constraints, and confirming receipt via satellite acknowledgment.
The user's endpoint device — which includes a satellite communication component — generates a resource transmission request and determines the satellite-based communication transmission volume: how much data the available satellite channel can carry in a single transmission window. The system generates a resource transmission satellite communication sized to that volume, packaging the appropriate portion of the request into the first satellite communication.
If the full request exceeds the available satellite bandwidth, the remaining portion is packaged into one or more additional satellite communications — sequenced and delivered in order. Each chunk includes sequence metadata so the receiving processing component can reassemble the full request. The processing component acknowledges each chunk received, and the final processing occurs only when the complete request has arrived and been reassembled. The account is evaluated against the request and the resource transmission is allowed if the account meets the requirements.
The independent claims (system, CRM, method) establish the core satellite transmission framework. The dependent claims add specific mechanisms that expand the patent's scope across a wide range of satellite payment scenarios.
One of the most novel dependent claims covers geo-triggered payment release for physical resource transmission. The physical resource — goods, documents, a physical asset — includes a satellite communication component. The system continuously monitors the physical object's location via satellite. When the object's satellite-reported location matches the recipient's defined location (their address, GPS coordinates, or geofenced zone), the payment is automatically released.
This creates a trustless delivery-confirmation mechanism: the buyer's payment is held pending physical delivery, and the satellite-tracked location of the goods triggers release without requiring the recipient to manually confirm delivery or the seller to trust a third-party delivery service's confirmation. The satellite communication component in the physical object provides an independent, tamper-resistant location signal that the payment system can act on automatically.
Physical resource includes a satellite communication component — a small satellite modem or tracker embedded in or attached to the shipment. Continuously reports location via satellite.
Processing component stores recipient's defined location: street address, GPS coordinates, or geofenced zone. Payment is conditioned on the physical object entering this zone.
When satellite reports shipment location = recipient location (within defined tolerance), payment releases automatically. No manual confirmation step required from buyer or seller.
Alternative: geolocation derived from satellite imagery of the physical object's surroundings — confirming delivery location without a GPS module in the shipment itself.
Select a scenario to trace a resource transmission through the satellite payment infrastructure — from bandwidth determination through processing component settlement.
The original assumption behind satellite as a payment channel was emergency or slow-bandwidth infrastructure — geostationary satellites with 600ms round-trip latency were unsuitable for real-time payment processing. LEO satellite constellations (250–500km altitude) change this: round-trip latency in the 20–60ms range makes satellite a viable real-time payment channel, not just a degraded backup.
The patent's bandwidth-aware transmission model reflects the practical reality of LEO satellite communications: variable bandwidth depending on satellite geometry, pass duration, and atmospheric conditions. The chunking mechanism (splitting large requests across multiple satellite passes) addresses the real constraint that a single pass may not carry a full payment request. The system is designed for the actual physics of satellite communication — not idealized always-on connectivity.
Low Earth Orbit: 20–60ms round-trip latency. Enables real-time payment processing. Patent designed for practical LEO parameters — variable bandwidth, intermittent pass windows, satellite-to-satellite handoff.
The device determines available transmission volume before packaging the request — a bandwidth-first design that adapts to the satellite geometry and atmospheric conditions at the moment of transmission.
H04B7/18513 — Satellite communication systems specifically for mobile or vehicular applications. Confirms the patent is situated squarely in mobile satellite financial infrastructure.
International coverage via PCT/US2024/030022 (WO2025015277A1). Continuation pending: US20250330235A1. The satellite payment infrastructure is protected internationally.
The core use case is financial infrastructure for environments permanently or temporarily outside terrestrial network reach. But the geo-triggered and POS-mode claims extend the invention into mainstream commerce — any physical goods transaction where trustless delivery confirmation has value, and any retail environment where satellite-native point-of-sale is the most reliable connectivity option.
No forward citations found as of this check. US12425098B2 was granted September 2025. Citation data is still accumulating. A continuation application (US20250330235A1) is pending. Verify the current list on Google Patents.
Patents 31 and 32 were filed the same day (April 18, 2023) by the same sole inventor. Both published as pre-grant applications on October 24, 2024. The distinction between them is architectural: P31's satellite channel carries device data for fraud detection, P32's satellite channel carries the payment transmission itself.
P31 activates when cellular and Wi-Fi are unavailable — it's a fallback fraud-detection mechanism that preserves security coverage in connectivity gaps. P32 treats satellite as a primary payment transmission medium with full bandwidth negotiation, chunking, geo-triggering, and POS support — designed for environments where satellite is the preferred channel, not just the backup. Together, they establish a complete satellite financial infrastructure stack: security and settlement, both via satellite.
Satellite as verification channel: device data packets arrive via satellite for device ID comparison. Malfeasance scoring. Elevated action via satellite. Activates when terrestrial networks fail.
Satellite as payment channel: bandwidth-aware request packaging, chunked multi-transmission, geo-triggered physical delivery release, POS terminal mode, bidirectional request support.
Security (P31) + Settlement (P32) = a complete satellite financial infrastructure stack. Both patents can operate independently, or together as the full fraud-detection + payment layer in a satellite-native financial system.
P32 has PCT international filing (WO2025015277A1) and a pending continuation. Satellite payment infrastructure is protected internationally — coverage reflects the global nature of the satellite applications the patent addresses.