US 12,646,044 B2 · 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.

An information-security method for managing digital payment transactions comprising the steps of:

receiving, via a user interface of a mobile or IoT device, a user input to initiate a transaction, wherein the user input specifies transaction details of a payment amount, a payment recipient, and a transaction context;
generating, in response to the user input, an optical tone by encoding the specified transaction details into a visual and audible representation, wherein the encoding employs a predetermined algorithm configured to convert the transaction details into a machine-readable optical tone format;
transmitting the generated optical tone from the mobile or IoT device to a payment system server over a digital network, wherein the transmitting includes securely sending the optical tone via encrypted communication channels;
authenticating, by the payment system server, the user of the mobile or IoT device based on a multi-factor authentication process, the process including:
verifying a biometric identifier of the user utilizing facial recognition technology implemented via convolutional neural networks that analyze facial features captured by the mobile or IoT device;
requesting and validating a secondary authentication factor comprising at least one of a password, a PIN, or a biometric input different from the facial recognition;
processing the generated optical tone using a spiking neural network to filter out irrelevant information from the optical tone and to extract transaction data, wherein the spiking neural network is configured to prioritize data elements for transaction validation;
verifying, by the payment system server, the authenticity and accuracy of the transaction details encoded in the optical tone by comparing the extracted transaction data against predefined transaction rules stored in a database;
creating, based on the transaction details, a custom payment token that uniquely represents the transaction, wherein creating the custom payment token involves associating the optical tone with specific transaction attributes including the payment amount, the payment recipient, and the transaction context;
recording the custom payment token in a blockchain ledger associated with the user account, wherein the blockchain ledger provides a decentralized, secure, and immutable record of the transaction and creation of the custom payment token is recorded as a new block in the blockchain, including cryptographic linking to preceding blocks;
executing the transaction based on the custom payment token through the payment system, wherein the execution includes deducting the payment amount from a blockchain-linked account and crediting it to the recipient's account;
validating the transaction post-execution using blockchain oracles that independently verify compliance of the transaction with predefined rules of the blockchain network;
and
updating, in real-time, the blockchain-linked account in the blockchain ledger to reflect completion of the transaction, wherein the update includes marking the custom payment token as utilized and recording a transaction outcome.

11 more elements

Facts

Application

18/643,413Filed 23 Apr 2024

Published

US 2025/0328876 A123 Oct 2025

Granted

2 Jun 2026

Term ends

Not estimatedThe source records don’t support an estimate.

Classification12 codes

G06Q 20/3272
Short range or proximity payments by means of M-devices: using an audio code
G06Q 20/065
Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme: using e-cash
G06Q 20/308
Characterised by the use of specific devices or networks: using the Internet of Things
G06Q 20/322
Using wireless devices: aspects of commerce using mobile devices [M-devices]

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

Life of this patent

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

Life of this patent

Abstract

Claims20