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:
Oct. 20, 2026
Filed:
Apr. 16, 2024
Bank of America Corporation, Charlotte, NC (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
Methods, systems and apparatus for processing and executing offline transactions between a customer and a vendor are provided. Methods may include using a customer device to log into a customer account on an entity-operated application without an internet connection. The methods may include using an artificial intelligence ('AI') model to generate a quick response (“QR”) code using data from previous transactions. The QR code may include a transaction payload with a selected value of funds. The methods may include scanning the QR code using a vendor scanning device. The methods may include transmitting the QR code to a central vendor platform. The methods may include creating an encrypted data packet by extracting data from the QR code. When an internet connection is established, the methods may include executing, at an entity-operated platform, a transfer of funds between the customer account and the vendor corresponding to a payment amount.
Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile