Patent Application for Secure Server-to-Device Data Exchange

The USPTO has published a patent application (US20260087490A1) filed by Wells Fargo Bank, N.A. for a system and method for server-to-device secure data exchange using a device access token. The application details a process for verifying transaction requests and generating electronic messages based on account information.

Loyalty program account management system and method

The USPTO has published a patent application for a system and method for managing loyalty program accounts, assigned to The Toronto-Dominion Bank. The application details a method for integrating loyalty tracking with transaction channels to automatically apply loyalty rewards.

Security NFTs for NFT Wallet Hardening and Fraud Prevention

The USPTO has published a patent application detailing security non-fungible tokens (NFTs) designed to harden NFT wallets and prevent fraud. The application describes methods for creating fraud, access, and customer service NFTs linked to collectable NFTs.

Patent Application for Digital Unit Management with Automated Sub-Account Allocation

The USPTO has published a patent application (US20260087487A1) for a system managing digital coin transfers with automated sub-account allocation. The application details a method for partitioning digital wallets into spend, save, share, and penalty sub-accounts with distinct redemption rules.

AI Co-Pilot Platform for Autonomous Restaurant Operations

The USPTO has published a patent application (US20260087486A1) for an AI co-pilot platform designed to enable autonomous restaurant operations. The system utilizes a multi-agent AI architecture to generate personalized menu directives and operational plans, including pricing and scheduling.

Patent Application: Blockchain Wallets for SMS Security

The USPTO has published a new patent application (US20260087485A1) detailing a method and apparatus for securing SMS wallets using blockchain technology. The application, filed by Edward Atter, Adrian Robison, and Demetre Gostas, focuses on cryptographic improvements to cellular data transfer.

Decoupled Gift Card Activation and Validation Process

The USPTO has published a patent application for a decoupled gift card system that allows for activation and validation during the checkout process. The application details a method involving separate gift card components that are combined and activated remotely by a computer system.

Patent Application: Blockchain Messages via NFC

The USPTO has published a patent application (US20260087483A1) detailing methods for initiating blockchain messages using near field communication (NFC). The application describes systems where an NFC signal can prompt a user device to broadcast a transaction on a blockchain network, potentially involving crypto token transfers.

Smart contract security system for NFC data transactions

The USPTO has published a new patent application from Bank of America Corporation for a smart contract-based security system designed to prevent replay attacks in NFC data transactions. The system uses smart contracts to validate transaction tokens before completing data transfers.

USPTO Patent Application for Point-of-Sale Scanning Assistance

The USPTO has published a patent application (US20260087935A1) detailing methods for providing scanning assistance at a point-of-sale. The application describes systems that capture images of objects and associated indicia, determine the cause of non-decodes, and provide scanning instructions to resolve issues.