IP Library Granted Patent US 12,483,403
Granted Patent B2
US 12,483,403 · App. 18/626,401 · Granted Nov 25, 2025

Intelligent method to orchestrate transactions on spatial computing internet-of-things (“IoT”) device on facial trust anchors and passkey

Inventors: Shailendra Singh (Maharashtra, IN); Saurabh Gupta (New Delhi, IN)
Assignee: Bank of America Corporation
H04L9/14G06F21/32
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Quick Facts
Patent No.
US 12,483,403
App. No.
18/626,401
Granted
Nov 25, 2025
Kind
B2
Abstract

Method and apparatus for processing and executing a user transaction using a spatial computing Internet-of-Things (“IoT”) device. The method and apparatus may include generating a map from mapping an environment surrounding the spatial computing IoT device. The method and apparatus may include identifying an image of a face on the map. The method and apparatus may include retrieving user identifier information (“UII”) of the face. The method and apparatus may include storing UII in pixels on the face. The method and apparatus may include using UII as a public key. The method and apparatus may include using trust score colors as a private key. The method and apparatus may include executing, using the private key and the public key as a dynamic passkey, a transaction requested by a user associated with the spatial computing IoT device. The transaction may be associated with the user associated with the identified face.

Claims (86)

1 . A method for processing and executing transactions using a spatial computing Internet-of-Things (“IoT”) device, the method comprising:

generating a map from mapping, using a light detection and ranging (“LiDAR”) analyzer, an environment surrounding a spatial computing IoT device;

scanning the map by using a facial biometric scanner, the facial biometric scanner being a part of the spatial computing IoT device;

identifying, from the scanning, an image of a face included in the map;

retrieving, from the scanning, user identifier information (“UII”) of the identified face;

dividing the image of the identified face into a plurality of pixels;

storing the UII in the plurality of pixels, one discrete bit of the UII stored in each pixel;

encrypting the UII into an encrypted UII algorithm, the encrypted UII algorithm stored as a public key;

transmitting, via an institution integration module located in the spatial computing IoT device, the public key to an entity computing system;

decoding, at the spatial computing IoT device, the public key into a plurality of numbers, each number in the plurality of numbers corresponding to a color included in a plurality of colors;

arranging each color over a discrete one of the plurality of pixels;

overlaying each color over each discrete pixel;

encrypting the overlayed colors into an encrypted facial biometric algorithm, the encrypted facial biometric algorithm stored as a private key;

converting the private key into a user trust score, the user trust score corresponding to the identified face;

verifying, by a threshold trust score, an authenticity of a user associated with the identified face, said verifying being based upon the user trust score; and

executing a transaction requested by a user associated with the spatial computing IoT device, said transaction associated with a user associated with the identified face, said executing using the private key and the public key as a dynamic passkey for the transaction.

2 . The method of claim 1 further comprising:

identifying, from the scanning, images of a plurality of faces included in the map;

retrieving, from the scanning, UII for each of the plurality of identified faces;

dividing the images of the plurality of identified faces into a plurality of pixels;

storing the UII in the pixels, one discrete bit of the UII stored in each pixel;

encrypting the UII into encrypted UII algorithms, the encrypted UII algorithms stored as public keys;

transmitting, via an institution integration module located in the spatial computing IoT device, the public keys to an entity computing system;

decoding, at the spatial computing IoT device, the public keys into a plurality of numbers, each number in the plurality of numbers corresponding to a color included in a plurality of colors;

arranging each color over a discrete one of the plurality of pixels;

overlaying each color over each discrete pixel;

encrypting the overlayed colors into encrypted facial biometric algorithms, the encrypted facial biometric algorithms stored as private keys;

converting the private keys into user trust scores, the user trust scores corresponding to the plurality of identified faces;

verifying, by a threshold trust score, the authenticities of users associated with the plurality of identified faces, said verifying being based upon the user trust scores; and

executing transactions requested by a user associated with the spatial computing IoT device, said transactions associated with a plurality of users associated with the plurality of identified faces, said executing by using the private keys and the public keys as dynamic passkeys for the transactions.

3 . The method of claim 2 wherein the threshold trust score is 0.9.

4 . The method of claim 2 wherein the spatial computing IoT device is associated with the entity computing system.

5 . The method of claim 2 wherein the LiDAR analyzer forms a part of the spatial IoT computing device.

6 . The method of claim 2 wherein:

grouping the UII into agglomerations based on an IP addresses of last user transactions; and

basing the public key on the agglomerations.

7 . The method of claim 1 wherein the threshold trust score is 0.9.

8 . The method of claim 1 wherein the spatial computing IoT device is associated with the entity computing system.

9 . The method of claim 1 wherein the LiDAR analyzer forms a part of the spatial IoT computing device.

10 . The method of claim 1 further comprising:

grouping the UII into agglomerations based on an IP address of a last user transaction; and

basing the public key on the agglomerations.

11 . Apparatus for processing and executing a user transaction, the apparatus comprising:

a spatial computing Internet-of-Things (“IoT”) device;

a light detection and ranging (“LiDAR”) analyzer, said LiDAR analyzer configured to generate a map from mapping an environment surrounding the spatial computing IoT device; and

the spatial computing IoT device configured to:

scan the map by using a facial biometric scanner, the facial biometric scanner being a part of the spatial computing IoT device;

identify, from the scan, an image of a face included in the map;

retrieve, from the scan, user identifier information (“UII”) of the identified face;

divide the image of the identified face into a plurality of pixels;

store the UII in the pixels, one discrete bit of the UII stored in each pixel;

encrypt the UII into an encrypted UII algorithm, the encrypted UII algorithm stored as a public key;

transmit, via an institution integration module located in the spatial computing IoT device, the public key to an entity computing system;

decode, at the spatial computing IoT device, the public key into a plurality of numbers, each number in the plurality of numbers corresponding to a color included in a plurality of colors;

arrange each color over a discrete one of the plurality of pixels;

overlay each color over each discrete pixel;

encrypt the overlayed colors into an encrypted facial biometric algorithm, the encrypted facial biometric algorithm stored as a private key;

convert the private key into a trust score, the trust score corresponding to the identified face;

verify, by a threshold trust score, an authenticity of a user associated with the identified face, said verifying being based upon the trust score of the user; and

execute a transaction requested by a user associated with the spatial computing IoT device, said transaction associated with a user associated with the identified face, said executing by using the private key and the public key as a dynamic passkey for the transaction.

12 . The apparatus of claim 11 , the spatial computing IoT device further configured to:

identify, from the scanning, images of a plurality of faces included in the map;

retrieve, from the scanning, UII of the plurality of identified faces;

divide the images of the plurality of identified faces into a plurality of pixels;

store the UII in the pixels, one discrete bit of the UII stored in each pixel;

encrypt the UII into encrypted UII algorithms, the encrypted UII algorithms stored as public keys;

transmit, via an institution integration module located in the spatial computing IoT device, the public keys to an entity computing system;

decode, at the spatial computing IoT device, the public keys into a plurality of numbers, each number in the plurality of the numbers corresponding to a color included in a plurality of colors;

arrange each color over a discrete one of the plurality of pixels;

overlay each color over each discrete pixel;

encrypt the overlayed colors into encrypted facial biometric algorithms, the encrypted facial biometric algorithms stored as private keys;

convert the private keys into user trust scores, the user trust scores corresponding to the plurality of identified faces;

verify, by a threshold trust score, the authenticities of users associated with the plurality of identified faces, said verifying being based upon the user trust scores; and

execute, transactions requested by a user associated with the spatial computing IoT device, said transactions associated with a plurality of users associated with the plurality of identified faces, said executing by using the private keys and the public keys as dynamic passkeys for the transactions.

13 . The apparatus of claim 12 wherein the spatial computing IoT device is further configured with a threshold trust score of 0.9.

14 . The apparatus of claim 12 wherein the spatial computing IoT device is associated with the entity computing system.

15 . The apparatus of claim 12 wherein the LiDAR analyzer forms a part of the spatial IoT computing device.

16 . The apparatus of claim 12 wherein the spatial computing IoT device is further configured to:

group the UII into agglomerations based on IP addresses of last user transactions; and

base the public keys on the agglomerations.

17 . The apparatus of claim 11 wherein the spatial computing IoT device is further configured with a threshold trust score of 0.9.

18 . The apparatus of claim 11 wherein the spatial computing IoT device is associated with the entity computing system.

19 . The apparatus of claim 11 wherein the LiDAR analyzer forms a part of the spatial IoT computing device.

20 . The apparatus of claim 11 wherein the spatial computing IoT device is further configured to:

group the UII into agglomerations based on an IP address of a last user transaction; and

base the public key on the agglomerations.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Apr 4, 2024
From: SINGH, SHAILENDRA; GUPTA, SAURABH
To: BANK OF AMERICA CORPORATION
Reel/Frame 067001/0430 →
Continuity (1)
Related Publication 20250317288A1 · Oct 9, 2025
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