Li-Fi Payment Network Using Quantum Key Distribution Channels

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Solution Overview

Problem

Current POS systems lack secure and efficient methods for multiple customer transactions, especially in environments where conventional wireless networks are unavailable, and existing li-fi networks are vulnerable to security breaches due to the interception of light pulses.

Innovation Solution

Implementing a quantum-key secured li-fi payment network with dedicated quantum key distribution channels, using quantum keys transmitted over li-fi networks for secure communication between POS terminals and customer devices, and employing AI/ML algorithms to optimize data routing.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If standard encryption protocols are used to secure li-fi networks, then ease of operation is maintained, but security reliability deteriorates due to quantum computation vulnerabilities

Engineering Contradiction:

ImprovesecurityVSAvoidencryption system

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent transitions from classical encryption parameters to quantum encryption parameters by implementing quantum key distribution channels that use quantum mechanical properties (such as photon polarization states) to encode and transmit encryption keys, making the security system fundamentally different and resistant to quantum computation attacks

Inventive Principle:

Principle #35Parameter changes

Solution Approach 2:

The patent replaces classical mechanical/electronic encryption systems with quantum mechanical systems by using quantum key distribution protocols where encryption keys are transmitted through quantum channels (light pulses) rather than classical communication channels, providing inherent security against eavesdropping and quantum attacks

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Reliability

If conventional wireless networks are used for payment processing, then ease of operation is maintained, but security reliability deteriorates due to interception vulnerabilities

Engineering Contradiction:

ImprovesecurityVSAvoidnetwork access

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent introduces quantum key distribution channels as an intermediary layer between the li-fi communication channel and the payment processing system. This intermediary quantum channel securely transmits encryption keys that protect the payment data transmitted over the li-fi network, adding a layer of security without changing the user interface or operation

Inventive Principle:

Principle #24Intermediary (Mediator)

3Speed

If li-fi networks are used for payment processing, then transmission speed is improved, but security reliability deteriorates due to light pulse interception

Engineering Contradiction:

Improvetransmission speedVSAvoidsecurity

Core Design Contradiction:

SpeedVSReliability

Solution Approach 1:

The patent segments the communication system into two distinct channels: a classical li-fi channel for transmitting payment data at high speeds, and a separate quantum key distribution channel for transmitting encryption keys. This segmentation allows each channel to be optimized for its specific function while maintaining overall security

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent introduces quantum key distribution channels as an intermediary security layer that mediates between the high-speed li-fi transmission and secure payment processing. The quantum channel provides cryptographic keys that protect the data transmitted over the li-fi network, decoupling speed and security concerns

Inventive Principle:

Principle #24Intermediary (Mediator)

4Productivity

If conventional POS systems serve multiple customers, then productivity is improved, but security reliability deteriorates due to communication channel vulnerabilities

Engineering Contradiction:

Improvecustomer service capacityVSAvoidcommunication security

Core Design Contradiction:

ProductivityVSReliability

Solution Approach 1:

The patent makes the quantum key distribution infrastructure universal and reusable by implementing it as a core component of the li-fi payment network that can serve multiple customers simultaneously. The quantum channels can be dynamically allocated to different customer transactions, providing secure communication for each while maintaining system-wide security through centralized key management

Inventive Principle:

Principle #6Universality (Multi-functionality)

Data Source

PatentUS20260030620A1Li-fi payment network with quantum key distribution channels

Publication Date: 2026.01.29 BANK OF AMERICA CORP

AI summary

Apparatus and methods for a quantum-key secured li-fi payment network with quantum key distribution channels are provided. A customer's device may communicate, directly or through intermediate devices and computer systems, over a li-fi network with a point-of-sale terminal through two or more channels. One channel may be a standard li-fi channel. The standard li-fi channel may be secured. The second channel may be a quantum key distribution channel. A bill may be transmitted to the customer's device over the li-fi network. The customer may select an option to pay the bill. The selection, along with information to authorize and process the payment, may be transmitted over the li-fi network to the POS terminal. The POS terminal may process the payment and generate a receipt. The receipt may be transmitted to the customer's device over the li-fi network.