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:
Nov. 04, 2025
Filed:
Mar. 04, 2024
Bank of America Corporation, Charlotte, NC (US);
Durga Prasad Kutthumolu, Hyderabad, IN;
Anurajam Rajagopalan, Chennai, IN;
Subburathinam Krishnan, Chennai, IN;
Bank of America Corporation, Charlotte, NC (US);
Abstract
A system comprises a memory communicatively coupled to at least one processor. The at least one processor is configured to receive a code-based data exchange request from a user. The code-based data exchange request comprises first user information associated with a user profile. Further, the at least one processor is configured to trigger a request for a retinal scan of the user in response to receiving the code-based data exchange request and receive a result of the retinal scan of the user. The result comprises second user information. The at least one processor is configured to determine that the code-based data exchange request is authentic in response to determining that the first user information and the second user information are associated with the user profile, convert the code-based data exchange request to a light-based data exchange request, and generate a light-guided contract based on the light-based data exchange request.