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:
Mar. 10, 2026
Filed:
Sep. 22, 2023
Bank of America Corporation, Charlotte, NC (US);
BANK OF AMERICA CORPORATION, Charlotte, NC (US);
Abstract
The present disclosure details systems and methods for homomorphic encryption-based data caching. This technology detects transaction patterns via a monitoring module that liaises with both a payment system and an entity system. Prior to its processing, transaction data is encrypted with a homomorphic encryption module. A dynamic interface, aligned with a local point-of-sale (POS) cache, prioritizes data based on current transaction metrics. If a recipient server is busy, the transaction data is rerouted, stored in the POS's local cache, and queued. The transaction's success is gauged against a predefined cut-off time. Unsuccessful transactions within this window are slated for batch processing, yet resource processing proceeds while awaiting this batch processing.