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:
Jun. 30, 2026
Filed:
May. 10, 2024
Bank of America Corporation, Charlotte, NC (US);
Saurabh Arora, New Palam Vihar, IN;
Sandeep Kumar Chauhan, Miyapur, IN;
Saurabh Garg, Faridabad, IN;
Chinmay Barhale, Hyderabad, IN;
Bank of America Corporation, Charlotte, NC (US);
Abstract
Systems and methods are disclosed for a card device that integrates eSIM technology and Distributed Ledger Technology (DLT) to provide a secure, flexible solution for handling transactions across multiple financial institutions (FIs). The card system associates a single, secure eSIM-enabled card with multiple accounts and FIs, enhancing transaction security and efficiency. The card, embedded with an eSIM, allows dynamic association with customer details and FI accounts, ensuring each transaction is authenticated on a decentralized platform without sharing sensitive information. The system employs DLT for logging transaction details and managing transaction metadata centrally, providing fraud detection and real-time settlement capabilities. The invention improves security by using cryptographic methods and real-time monitoring including geo-locating of cards and clones to prevent unauthorized access and fraud, addressing the need for a secure, multi-institution financial transaction platform.