Bank of America was granted a patent for tamper-resistant smart cards.

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  "detected_at": "2026-09-09T03:51:09+00:00",
  "company": {
    "name": "Bank of America",
    "domain": "bankofamerica.com"
  },
  "data": {
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      {
        "code": "G06Q 20/401",
        "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
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        "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
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    ],
    "tags": [
      "Intellectual Property",
      "Research & Development",
      "Banking",
      "Fraud Protection",
      "Security"
    ],
    "detail": "In September 2026 Bank of America patented card security for payment and access applications using NFC, embedded chips, and magnetic-stripe protection.",
    "summary": "Bank of America was granted a patent for tamper-resistant smart cards.",
    "event_at": "2026-09-01",
    "inventors": [
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    "tech_area": "business methods / CRM / fintech",
    "event_kind": "grant_date",
    "grant_date": "2026-09-01",
    "source_url": "https://patents.google.com/patent/US12725155",
    "cpc_primary": {
      "code": "G06Q 20/401",
      "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
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    "patent_title": "Smart card with hard-wired tamper detection system",
    "patent_number": "US12725155",
    "uspto_assignee": "Bank of America Corporation",
    "patent_abstract": "A smart card with a hard-wired tamper detection system and near-field communication is provided. The smart card may include a tamper detection unit (“TDU”) that may include a smart chip embedded in the smart card. The smart chip may be connected to a battery by two electrical wires. The smart chip may be connected to a simplified onboard tamper alerting system (“SOTAS”) by one electrical wire. The smart card may include a stripe scrambling film on a magnetic stripe of the smart card. The SOTAS may be configured to alert an issuer of the smart card in response to a trigger of a tamper detection, the trigger may be a signal received from the TDU in response to a removal of the smart chip from the smart card thereby causing each of the three wires to fracture and may render the smart chip inoperable.",
    "precision_class": "structural",
    "invention_explanation": "A smart card that uses hard-wired circuits to detect tampering and trigger an alert, while scrambling its magnetic stripe to hinder unauthorized use.",
    "technologies_mentioned": [
      "smart cards",
      "tamper detection",
      "near-field communication",
      "magnetic-stripe security"
    ]
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