IP Library › Granted Patent US 12,574,332
Granted Patent B2
US 12,574,332 · App. 18/371,755 · Granted Mar 10, 2026

Systems and methods for homomorphic encryption-based data caching

Inventors: Maneesh Sethia (Telangana, IN); Abhijit Behera (Hyderabad, IN); Shailendra Singh (Maharashtra, IN)
Assignee: BANK OF AMERICA CORPORATION
H04L47/50G06F9/485G06Q20/20H04L9/008
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Quick Facts
Patent No.
US 12,574,332
App. No.
18/371,755
Granted
Mar 10, 2026
Kind
B2
Abstract

The present disclosure details systems and methods for homomorphic encryption-based data caching. This technology detects transaction patterns via a monitoring module that liaises with both a payment system and an entity system. Prior to its processing, transaction data is encrypted with a homomorphic encryption module. A dynamic interface, aligned with a local point-of-sale (POS) cache, prioritizes data based on current transaction metrics. If a recipient server is busy, the transaction data is rerouted, stored in the POS's local cache, and queued. The transaction's success is gauged against a predefined cut-off time. Unsuccessful transactions within this window are slated for batch processing, yet resource processing proceeds while awaiting this batch processing.

Claims (43)

1 . A system for homomorphic encryption-based data caching, 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:

monitoring transaction patterns in communication with both a payment system and an entity system;

encrypting transaction data via a homomorphic encryption module for a transaction prior to processing the transaction data;

generating a dynamic cache optimization interface with a local point-of-sale (POS) cache, wherein the dynamic cache optimization interface determines data availability based on real-time transaction loads and patterns;

detecting a recipient server as occupied, and deferring the transaction data to a payment routing mechanism, storing the transaction data in the local POS cache, and placing the transaction in a queue;

evaluating, based on a predefined cut-off time, if the transaction is successful;

if the transaction is determined to be unsuccessful within the predefined cut-off time, placing the transaction in a batch processing queue; and

processing resources according to the transaction while it resides in the batch processing queue.

2 . The system of claim 1 , wherein the homomorphic encryption module encrypts the transaction data via a lattice-based encryption scheme such that additive and multiplicative computations on the transaction data can be conducted while the transaction data remains encrypted.

3 . The system of claim 1 , wherein the dynamic cache optimization interface maintains a local cache specifically for the real-time transaction loads and patterns.

4 . The system of claim 1 , wherein the local POS cache is dynamically adjusted based on both a current transactional volume and a predictive analysis.

5 . The system of claim 1 , wherein a long short-term memory (LTSM) neural net continually refines a prediction of server latency or transaction delay of the entity system based on a blend of historical data and real-time data.

6 . The system of claim 1 , wherein upon detecting the recipient server as busy, the system further analyzes a cause for the recipient server being busy and employs an adaptive retry mechanism that adjusts a time interval between subsequent transaction attempts.

7 . The system of claim 1 , wherein the payment routing mechanism employs a multi-path routing algorithm, selecting optimal routes for transaction data based on network congestion, server availability, and transaction priority levels.

8 . A computer program product for homomorphic encryption-based data caching, the computer program product comprising a non-transitory computer-readable medium comprising code causing an apparatus to:

monitor transaction patterns in communication with both a payment system and an entity system;

encrypt transaction data via a homomorphic encryption module for a transaction prior to processing the transaction data;

generate a dynamic cache optimization interface with a local point-of-sale (POS) cache, wherein the dynamic cache optimization interface determines data availability based on real-time transaction loads and patterns;

detect a recipient server as occupied, and deferring the transaction data to a payment routing mechanism, storing the transaction data in the local POS cache, and placing the transaction in a queue;

evaluate, based on a predefined cut-off time, if the transaction is successful;

if the transaction is determined to be unsuccessful within the predefined cut-off time, place the transaction in a batch processing queue; and

process resources according to the transaction while it resides in the batch processing queue.

9 . The computer program product of claim 8 , wherein the homomorphic encryption module encrypts the transaction data via a lattice-based encryption scheme such that additive and multiplicative computations on the transaction data can be conducted while the transaction data remains encrypted.

10 . The computer program product of claim 8 , wherein the dynamic cache optimization interface maintains a local cache specifically for the real-time transaction loads and patterns.

11 . The computer program product of claim 8 , wherein the local POS cache is dynamically adjusted based on both a current transactional volume and a predictive analysis.

12 . The computer program product of claim 8 , wherein a long short-term memory (LTSM) neural net continually refines a prediction of server latency or transaction delay of the entity system based on a blend of historical data and real-time data.

13 . The computer program product of claim 8 , further comprising, upon detecting the recipient server as busy, analyzing a cause for the recipient server being busy and employing an adaptive retry mechanism that adjusts a time interval between subsequent transaction attempts.

14 . The computer program product of claim 8 , wherein the payment routing mechanism employs a multi-path routing algorithm, selecting optimal routes for transaction data based on network congestion, server availability, and transaction priority levels.

15 . A method for homomorphic encryption-based data caching, the method comprising:

monitoring transaction patterns in communication with both a payment system and an entity system;

encrypting transaction data via a homomorphic encryption module for a transaction prior to processing the transaction data;

generating a dynamic cache optimization interface with a local point-of-sale (POS) cache, wherein the dynamic cache optimization interface determines data availability based on real-time transaction loads and patterns;

detecting a recipient server as occupied, and deferring the transaction data to a payment routing mechanism, storing the transaction data in the local POS cache, and placing the transaction in a queue;

evaluating, based on a predefined cut-off time, if the transaction is successful;

if the transaction is determined to be unsuccessful within the predefined cut-off time, placing the transaction in a batch processing queue; and

processing resources according to the transaction while it resides in the batch processing queue.

16 . The method of claim 15 , wherein the homomorphic encryption module encrypts the transaction data via a lattice-based encryption scheme such that additive and multiplicative computations on the transaction data can be conducted while the transaction data remains encrypted.

17 . The method of claim 15 , wherein the local POS cache is dynamically adjusted based on both a current transactional volume and a predictive analysis.

18 . The method of claim 15 , wherein a long short-term memory (LTSM) neural net continually refines a prediction of server latency or transaction delay of the entity system based on a blend of historical data and real-time data.

19 . The method of claim 15 , further comprising, upon detecting the recipient server as busy, analyzing a cause for the recipient server being busy and employing an adaptive retry mechanism that adjusts a time interval between subsequent transaction attempts.

20 . The method of claim 15 , wherein the payment routing mechanism employs a multi-path routing algorithm, selecting optimal routes for transaction data based on network congestion, server availability, and transaction priority levels.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Sep 22, 2023
From: SETHIA, MANEESH; BEHERA, ABHIJIT; SINGH, SHAILENDRA
To: BANK OF AMERICA CORPORATION
Reel/Frame 064997/0176 →
Continuity (1)
Related Publication 20250106171A1 · Mar 27, 2025
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