Victor A Hirudhayaraj

Title: Victor A. Hirudhayaraj: Digital Payment Security and Custom Tokens

Introduction

Victor A. Hirudhayaraj is an inventor based in Matthews, North Carolina, whose patent work concerns secure and flexible digital payment systems. His listed patent combines optical signals, blockchain technology, and neuromorphic computing to support payment authentication and transaction management.

Latest Patents

Hirudhayaraj is associated with 1 patent: “Custom Payment Tokens for Payments by Using Optical Tones and Neuromorphic Spiking Neural Networks.” The invention describes initiating transactions with unique optical tones generated through mobile IoT applications, encoding payment instructions in visually encrypted signals, and authenticating users through multifactor authentication that may include facial recognition using convolutional neural networks. Spiking neural networks process the optical tones to identify relevant transaction details, while blockchain oracles and smart contracts can validate transactions and automate payment instructions. The system also supports custom payment tokens, which may be embedded in optical tones or issued separately, for managing specific transactions, spending limits, and recurring payments.

Career Highlights

The supplied information identifies Hirudhayaraj as working with Bank of America Corporation. His patent reflects an approach to digital payments that brings together authentication, transaction processing, and programmable payment controls.

Collaborations

The listed coworkers associated with Hirudhayaraj are Naga Vamsi Krishna Akkapeddi and George Albero. The provided information does not specify their roles in the patent or the nature of their collaboration.

Conclusion

Victor A. Hirudhayaraj’s patent presents a combination of optical-tone payment initiation, neural-network processing, and blockchain-based validation, with custom tokens designed to add flexibility to digital transactions.