Bank of America QR Code Verification Engine Patent
Summary
The USPTO granted Bank of America Corporation Patent No. US12602560B1 for a QR Code Verification Engine, a multi-layered security system for generating, validating, and authenticating QR codes. The system incorporates steganographic encoding, asymmetric cryptography, AI-powered tamper detection, and biometric authentication to prevent fraud and unauthorized access in financial transactions. The patent contains 20 claims and was filed on February 21, 2025.
What changed
The USPTO granted Bank of America Corporation a new patent for a QR Code Verification Engine combining steganographic encoding, asymmetric cryptography, AI-powered anomaly detection, and cryptographic hash verification to authenticate QR codes while detecting modifications. The system adds dynamic expiration rules and secure offline verification to prevent replay attacks in financial transaction environments.
Compliance officers monitoring IP trends in financial services should note that Bank of America has secured intellectual property protection for advanced QR code security technology combining multiple authentication layers. While this patent grant does not create compliance obligations, it signals the bank's continued investment in transaction security innovation and may influence competitive approaches to QR code authentication in banking applications.
Archived snapshot
Apr 18, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
QR code verification engine
Grant US12602560B1 Kind: B1 Apr 14, 2026
Assignee
Bank of America Corporation
Inventors
Allison Glenn, Benjamin F. Tweel, Khushbu Bansal, Jack Bishop, Siyuan Li
Abstract
A QR Code Verification Engine provides a multi-layered security framework for generating, validating, and authenticating QR codes while preventing tampering, fraud, and unauthorized access. The system embeds a hidden security layer within the QR code using steganographic encoding or invisible watermarking techniques, ensuring detection of any modifications. The hidden layer is encrypted using asymmetric cryptography, allowing only an authorized verification system to extract and validate it. An AI-powered tamper detection module analyzes QR codes for anomalies, while cryptographic hash verification ensures integrity. The system employs biometric authentication, push notification approvals, and contextual security measures to enhance user verification. Dynamic QR codes with expiration rules prevent replay attacks. Secure offline verification allows authentication without network connectivity. The system integrates with financial platforms, web security tools, and real-time fraud detection mechanisms, ensuring a highly secure and scalable QR code validation framework for transactions, identity verification, and access control applications.
CPC Classifications
G06K 7/1417 G06Q 20/40 G06Q 20/409 G06Q 20/3674
Filing Date
2025-02-21
Application No.
19059670
Claims
20
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