US 12,073,376 B2
Light-weight and secure payment processing using a low-power wide-area networking protocol
Puneetha Polasa, Telangana (IN); Bhagya Lakshmi Sudha Lavanya Mallidi, Hyderabad (IN); Sandeep Kumar Chauhan, Hyderabad (IN); and Udaya Kumar Raju Ratnakaram, Hyderabad (IN)
Assigned to Bank of America Corporation, Charlotte, NC (US)
Filed by Bank of America Corporation, Charlotte, NC (US)
Filed on May 31, 2022, as Appl. No. 17/828,606.
Prior Publication US 2023/0385803 A1, Nov. 30, 2023
Int. Cl. G06Q 20/32 (2012.01)
CPC G06Q 20/325 (2013.01) [G06Q 20/3224 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A mobile device comprising:
at least one processor;
a communication interface communicatively coupled to the at least one processor; and
a memory storing instructions that, when executed by the at least one processor, cause the mobile device to:
identify unavailability of at least one of: cellular connectivity or internet connectivity by identifying network communication conditions in a geographic area and associated with a payment transaction based on one or more parameters;
identify, based on the identified network communication conditions in the geographic area, a type of the mobile device and a characteristic of the payment transaction, applicability of low-power wide-area network communication for processing the payment transaction;
based on identifying the applicability of low-power wide-area network communication, identify a payment terminal within a threshold proximity of the mobile device based on detected location information of the payment terminal and the geographic area;
connect to the payment terminal via a low-power wide-area network protocol;
transmit, via the communication interface and via the low-power wide-area network protocol, a request to initiate the payment transaction at the payment terminal; and
cause the payment transaction to be executed using the low-power wide-area network protocol, wherein causing the payment transaction to be executed includes causing the payment terminal to transmit a payment instruction to a long range communication node connected to the internet to complete processing of the payment transaction by a financial institution server.