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.

Date of Patent:
Apr. 21, 2026

Filed:

Aug. 22, 2024
Applicant:

Bank of America Corporation, Charlotte, NC (US);

Inventors:

Gowri Sundar Suriyanarayanan, Chennai, IN;

Abhijit Behera, Hyderabad, IN;

Maneesh Kumar Sethia, Telangana, IN;

Vignesh A. S, Tamil Nadu, IN;

Aiswary R, Tamil Nadu, IN;

Assignee:

Bank of America Corporation, Charlotte, NC (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
H04L 29/06 (2006.01); G06N 20/00 (2019.01); G06Q 20/34 (2012.01); G06Q 20/38 (2012.01); H04L 9/08 (2006.01);
U.S. Cl.
CPC ...
H04L 9/0838 (2013.01); G06N 20/00 (2019.01); G06Q 20/341 (2013.01); G06Q 20/3829 (2013.01); H04L 9/0822 (2013.01); H04L 9/0866 (2013.01); H04L 9/0877 (2013.01);
Abstract

Neuromorphic intelligent card systems enhance the security and efficiency of electronic transactions with neuromorphic sensory nodes, Tiny AI modules, and memristor-based TinyDBs to provide real-time validation and secure data handling during transactions. The system captures and analyzes data patterns from external devices, such as POS terminals, using dynamic short codes and vendor-specific encryption keys. The neuromorphic AI module decrypts and compares the incoming data against pre-stored patterns for authentication. If validated, the system encrypts and transmits the transaction data. Robust data synchronization processes allow the card to update its security credentials and transaction logs with external systems, even in the absence of a mobile device. Secure communication is maintained through dynamic encryption keys that protect all data exchanges, ensuring confidentiality and integrity. The system provides a comprehensive, modular approach to secure electronic transactions, mitigating risks of fraud and unauthorized access while ensuring consistent and reliable data synchronization across various platforms.


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