IP Library Granted Patent US 12711498
Granted Patent B2
US 12711498 · App. 18/785,162 · Granted Aug 18, 2026

Li-fi payment network with quantum key distribution channels

Inventors: Saurabh Arora (Gurugram, IN); Sandeep Kumar Chauhan (Miyapur Hyderabad, IN); Puneetha Polasa (Secunderabad Telangana, IN); Mallidi Bhagya Lakshmi Sudha Lavanya (Narsingi Hyderabad, IN)
Assignee: Bank of America Corporation
G06Q20/3829G06Q20/209G06Q20/327H04L9/0852G06Q2220/00H04L2209/56
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Quick Facts
Patent No.
US 12711498
App. No.
18/785,162
Granted
Aug 18, 2026
Kind
B2
Abstract

Apparatus and methods for a quantum-key secured li-fi payment network with quantum key distribution channels are provided. A customer's device may communicate, directly or through intermediate devices and computer systems, over a li-fi network with a point-of-sale terminal through two or more channels. One channel may be a standard li-fi channel. The standard li-fi channel may be secured. The second channel may be a quantum key distribution channel. A bill may be transmitted to the customer's device over the li-fi network. The customer may select an option to pay the bill. The selection, along with information to authorize and process the payment, may be transmitted over the li-fi network to the POS terminal. The POS terminal may process the payment and generate a receipt. The receipt may be transmitted to the customer's device over the li-fi network.

Claims (49)

1 . An apparatus for a quantum-key secured li-fi payment network, the apparatus comprising:

a li-fi equipped point-of-sale terminal (“POS”) including:

a POS operating system;

a quantum-key secured li-fi payment network application;

one or more POS li-fi transmitters;

one or more POS li-fi receivers;

a quantum receiver;

a li-fi network including:

one or more li-fi routers; and

one or more li-fi switches;

one or more li-fi equipped customer devices, each including:

a customer device operating system;

the quantum-key secured li-fi payment network application;

one or more customer device li-fi transmitters;

one or more customer device li-fi receivers; and

a quantum transmitter; and

one or more central hubs, each central hub including:

a central hub operating system;

the quantum-key secured li-fi payment network application;

one or more central hub li-fi transmitters;

one or more central hub li-fi receivers;

a central hub communication link;

a quantum transmitter; and

a quantum receiver;

wherein:

when a customer, through one of the one or more customer devices, transmits a bill request over the li-fi network to one of the one or more central hubs:

a quantum key distribution channel is created by and between the customer device, the one or more central hubs, and the POS;

a quantum key unique to the one of the one or more customer devices is transmitted by the customer device over the quantum key distribution channel;

the one of the one or more central hubs transmits the bill request to the POS;

the POS terminal generates a bill, encrypted with the quantum key, specific to the customer, and transmits the bill to the one of the one or more central hubs;

the one of the one or more central hubs determines a route over the li-fi network, wherein the route is determined through one or more artificial intelligence/machine learning (“AI/ML”) algorithms;

the one of the one or more central hubs transmits the bill to the customer device over the route;

the customer's device receives the bill; and

the li-fi payment application presents, on the customer's device, one or more selectable options to pay the bill; and

when the customer selects one of the one or more selectable options:

the customer's device transmits the selection to one of the one or more central hubs over the li-fi network;

the one of the one or more central hubs transmits the selection to the POS terminal over the li-fi network;

the one of the one or more central hubs pays the bill as instructed by the selection;

the POS terminal marks the bill as paid;

the POS terminal generates a receipt;

the POS terminal transmits the receipt to the one of the one or more central hubs over the li-fi network; and

the one of the one or more central hubs transmits the receipt to the customer's device over the li-fi network.

2 . The apparatus of claim 1 wherein the li-fi network further includes two or more zones and each zone includes:

one of the one or more li-fi routers;

one of the one or more li-fi switches;

one of the one or more central hubs; and

one or more of the one or more li-fi equipped customer devices.

3 . The apparatus of claim 1 wherein each of the one or more central hubs is bypassed.

4 . The apparatus of claim 1 wherein one of the one or more li-fi equipped customer devices acts as one of the one or more central hubs.