The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Aug. 26, 2025
Filed:
Jan. 22, 2024
Bank of America Corporation, Charlotte, NC (US);
Saurabh Garg, Faridabad, IN;
Maneesh Kumar Sethia, Hyderabad, IN;
Shailendra Singh, Thane West, IN;
Ajay Kumar Gowni, Hyderabad, IN;
Bank of America Corporation, Charlotte, NC (US);
Abstract
Systems, methods, and apparatus are provided for implementing a dynamically customized ATM payload. An ATM may extract a user identifier and home region during a session. The ATM may be a node on a distributed network and securely publish data to a distributed hash table. Extracted data may trigger smart contract logic including a transaction rule associated with the user and a transmission rule restricting network switches for payload delivery outside the home region. AI algorithms may generate a custom payload including the transaction rule and an interface adapted for the user home region. The payload may be pushed to the ATM via a set of spine-leaf switches based on the transmission rule. The payload may be deployed at the ATM during the session to modify a default ATM interface and a default ATM transaction rule. The ATM may purge the payload from memory when the session is terminated.