Custom payment tokens for payments by using optical tones and neuromorphic spiking neural networks

Abstract

Digital payment systems and methods leveraging optical tones, blockchain technology, and neuromorphic computing to enhance transaction security and flexibility are disclosed. By initiating transactions with unique optical tones generated through mobile IoT applications, payment instructions are encoded into visually encrypted signals, ensuring high security from the outset. Multi-Factor Authentication (MFA), including advanced facial recognition via Convolutional Neural Networks (CNNs), authenticates users, while Spiking Neural Networks (SNNs) process and filter the optical tones, focusing on pertinent transaction details. The system utilizes blockchain oracles and smart contracts for validating transactions and automating the execution of payment instructions, respectively. A novel aspect of this invention is the ability to generate custom payment tokens, either embedded within optical tones or as separate entities, to facilitate specific transactions. This approach not only significantly enhances the security of digital payments but also introduces unprecedented flexibility in managing financial transactions, setting spending limits, and executing recurring payments.