IP Library Granted Patent US 12,463,946
Granted Patent B2
US 12,463,946 · App. 18/211,783 · Granted Nov 4, 2025

Touchless API for flexible data routing in a cloud-based network consortium

Inventors: Paul Martin Mattison (Sherrills Ford, NC); Saurabh Garg (Haryana, IN); Maneesh Sethia (Telangana, IN)
Assignee: BANK OF AMERICA CORPORATION
H04L63/0428G06F9/547H04L9/3213
View Patent ↗
Loading inventors, assignments & file history…
Monitor This Case
Get email alerts when status or documents change.
Order Certified Copies
Most orders are placed with the USPTO same day — all within 24 business hours.
Order via The Patent Place →
Pre-filled with this patent's details
Quick Facts
Patent No.
US 12,463,946
App. No.
18/211,783
Granted
Nov 4, 2025
Kind
B2
Abstract

Systems, computer program products, and methods are described herein for flexible data routing in a cloud-based network consortium. The method includes initiating an XR display for display on a user device and, in response to a first control signal, generating a nonfungible token (NFT) and transmitting a data packet over a secured network. The method further includes initiating, via the XR display, a secure application programming interface based on the NFT, geographic data, and a unique XR identification value, based on one or more data parameters, identifying a preferred data path, and, in response to a second control signal, performing an encrypted data exchange via the preferred data path.

Claims (37)

1 . A system for flexible data routing in a cloud-based network consortium, the system comprising:

a processing device;

a non-transitory storage device containing instructions when executed by the processing device, causes the processing device to perform the steps of:

initiate an XR display for display on a user device;

in response to a first control signal, generate a nonfungible token (NFT) and transmit a data packet over a first secured network to a terminal device, wherein the data packet comprises the NFT, a first set of geographic data associated with the user device, and a unique XR identification value;

initiate, via the XR display, a secure application programming interface (API) based on the NFT, the first set of geographic data, and the unique XR identification value;

based on one or more data parameters, identify a preferred data path, wherein the one or more data parameters comprise at least a proximity of the terminal device to one or more servers associated with one or more second secure networks; and

in response to a second control signal, perform an encrypted data exchange via the preferred data path, wherein the encrypted data exchange comprises a transaction event associated with a user of the user device.

2 . The system of claim 1 , wherein executing the instructions further causes the processing device to:

based on the unique XR identification value, perform a reverse lookup to identify the user associated with the user device.

3 . The system of claim 2 , wherein the one or more data parameters further comprises a binary value associated with the user.

4 . The system of claim 1 , wherein the first secured network comprises a near field communication (NFC) connection between the user device and the terminal device.

5 . The system of claim 1 , wherein the terminal device is configured to establish a remote connection with the one or more second secure networks to execute the transaction event.

6 . The system of claim 1 , wherein the one or more second secure networks comprise a network consortium.

7 . A computer program product for flexible data routing in a cloud-based network consortium, the computer program product comprising a non-transitory computer-readable medium comprising code causing an apparatus to:

initiate an XR display for display on a user device;

in response to a first control signal, generate a nonfungible token (NFT) and transmit a data packet over a first secured network to a terminal device, wherein the data packet comprises the NFT, a first set of geographic data associated with the user device, and a unique XR identification value;

initiate, via the XR display, a secure application programming interface (API) based on the NFT, the first set of geographic data, and the unique XR identification value;

based on one or more data parameters, identify a preferred data path, wherein the one or more data parameters comprise at least a proximity of the terminal device to one or more servers associated with one or more second secure networks; and

in response to a second control signal, perform an encrypted data exchange via the preferred data path, wherein the encrypted data exchange comprises a transaction event associated with a user of the user device.

8 . The computer program product of claim 7 , wherein the code further causes the apparatus to:

based on the unique XR identification value, perform a reverse lookup to identify the user associated with the user device.

9 . The computer program product of claim 8 , wherein the one or more data parameters further comprises a binary value associated with the user.

10 . The computer program product of claim 7 , wherein the first secured network comprises a near field communication (NFC) connection between the user device and the terminal device.

11 . The computer program product of claim 7 , wherein the terminal device is configured to establish a remote connection with the one or more second secure networks to execute the transaction event.

12 . The computer program product of claim 7 , wherein the one or more second secure networks comprise a network consortium.

13 . A method for flexible data routing in a cloud-based network consortium, the method comprising:

initiating an XR display for display on a user device;

in response to a first control signal, generating a nonfungible token (NFT) and transmitting a data packet over a first secured network to a terminal device, wherein the data packet comprises the NFT, a first set of geographic data associated with the user device, and a unique XR identification value;

initiating, via the XR display, a secure application programming interface (API) based on the NFT, the first set of geographic data, and the unique XR identification value;

based on one or more data parameters, identifying a preferred data path, wherein the one or more data parameters comprise at least a proximity of the terminal device to one or more servers associated with one or more second secure networks; and

in response to a second control signal, performing an encrypted data exchange via the preferred data path, wherein the encrypted data exchange comprises a transaction event associated with a user of the user device.

14 . The method of claim 13 , wherein the method further comprises:

based on the unique XR identification value, performing a reverse lookup to identify the user associated with the user device.

15 . The method of claim 14 , wherein the one or more data parameters further comprises a binary value associated with the user.

16 . The method of claim 13 , wherein the first secured network comprises a near field communication (NFC) connection between the user device and the terminal device, wherein the terminal device is configured to establish a remote connection with the one or more second secure networks to execute the transaction event.

17 . The method of claim 13 , wherein the one or more second secure networks comprise a network consortium.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jun 20, 2023
From: MATTISON, PAUL MARTIN; GARG, SAURABH; SETHIA, MANEESH
To: BANK OF AMERICA CORPORATION
Reel/Frame 063996/0018 →
Continuity (1)
Related Publication 20240430241A1 · Dec 26, 2024
References Cited (27)
US 8346663B2 · Kawan · 2013 [cited by applicant]
US 9313660B2 · Chastain et al. · 2016 [cited by applicant]
US 9659294B2 · Laracey · 2017 [cited by applicant]
US 10103781B2 · Bellenger et al. · 2018 [cited by applicant]
US 10489760B2 · Konecny et al. · 2019 [cited by applicant]
US 10728728B2 · Levionnais et al. · 2020 [cited by applicant]
US 10735432B2 · Bar et al. · 2020 [cited by applicant]
US 10922631B1 · Shahidzadeh · 2021 [cited by applicant]
US 11128468B2 · Gupta · 2021 [cited by applicant]
US 11388116B2 · Kwatra et al. · 2022 [cited by applicant]
US 11552943B2 · Bendersky · 2023 [cited by examiner]
US 11664995B2 · Gupta · 2023 [cited by applicant]
US 11699145B1 · Yang · 2023 [cited by examiner]
US 12205084B1 · Stroke · 2025 [cited by examiner]
US 20120089451A1 · Agramonte et al. · 2012 [cited by applicant]
US 20130009756A1 · Lu · 2013 [cited by examiner]
US 20130267174A1 · Moon et al. · 2013 [cited by applicant]
US 20130317924A1 · Bush et al. · 2013 [cited by applicant]
US 20140281525A1 · Acar · 2014 [cited by examiner]
US 20190378024A1 · Singh et al. · 2019 [cited by applicant]
US 20200242105A1 · Rich et al. · 2020 [cited by applicant]
US 20220374902A1 · Sabintsev · 2022 [cited by examiner]
US 20230281604A1 · Robell · 2023 [cited by examiner]
US 20230360323A1 · Jovanovic · 2023 [cited by examiner]
US 20230421827A1 · Gratton · 2023 [cited by examiner]
US 20240193878A1 · Witchey · 2024 [cited by examiner]
US 20250016014A1 · Lang · 2025 [cited by examiner]