# US 11,443,308 B2 · In-line verification of transactions

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- Number: US 11,443,308 B2
- Document ID: US11443308B2
- Status: Granted
- Kind: B2
- Application number: 16/953,594
- Filed: 2020-11-20
- Published: 2021-03-11
- Granted: 2022-09-13
- Earliest claimed: 2019-05-13
- Assignees: Truist Bank
- Applicants: Truist Bank
- Inventors: Amy Rose; David Stone; Scott Travis Leith; William Mark Connolly
- Web page: https://patentgrep.com/patent/US11443308B2

## CPC

- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 20/3825: {Use of electronic signatures}
- G06Q 20/3829: {involving key management}
- G06Q 20/389: {Keeping log of transactions for guaranteeing non-repudiation of a transaction}
- G06Q 20/401: {Transaction verification}
- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- H04L 9/3236: {using cryptographic hash functions}
- H04L 9/3239: {involving non-keyed hash functions, e.g. modification detection codes [MDCs], MD5, SHA or RIPEMD}
- H04L 9/3247: {involving digital signatures}
- G06Q 2220/00: Business processing using cryptography
- H04L 9/50: {using hash chains, e.g. blockchains or hash trees}
- H04L 2209/56: Financial cryptography, e.g. electronic payment or e-cash
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

A transaction system can include a computing device with a communication port, a processor device, and a non-transitory computer-readable storage memory. The communication port can communicate data with other computing devices. The non-transitory computer-readable storage memory includes code that is executable by the processor device to perform operations. The operations include receiving parameters of a transfer, verifying the transfer using a multi-factor authentication process, in response to verifying the transfer, using a private key to countersign the transfer and return, via the communications port, a signed transfer package for execution of the transfer, and providing, via the communications port, the parameters of the transfer and countersign data to an immutable ledger.

## Claims

### Claim 1

A computing device comprising:
a communication port configured for communicating data with other computing devices;
a processor device; and
a non-transitory computer-readable storage memory comprising code that is executable by the processor device to:
receive parameters of a transfer;
verify the transfer using a multi-factor authentication process;
in response to verifying the transfer, use a private key to countersign the transfer and return, via the communications port, a signed transfer package for execution of the transfer; and
provide, via the communications port, the parameters of the transfer and countersign data to an immutable ledger,
wherein the computing device is a notary system configured to be in a non-isolated zone that is accessible to users and configured to communicatively couple to (i) a transaction initialization system, a security system, and a plurality of front office systems in the non-isolated zone, and to (ii) the immutable ledger in a semi-isolated zone from the users with an interceptor configured to use data from the immutable ledger to confirm or deny the transfer prior to the transfer reaching a transfer settlement system in an isolated zone from the users.

### Claim 2 (depends on 1)

The computing device of claim 1, wherein the transfer is a wire transfer of funds from a first account to a second account.

### Claim 3 (depends on 1)

The computing device of claim 1, wherein the non-transitory computer-readable storage memory comprises code that is executable by the processor device to receive parameters of the transfer by receiving parameters of the transfer that is intercepted prior to a transfer settlement system.

### Claim 4 (depends on 1)

The computing device of claim 1, wherein the non-transitory computer-readable storage memory further comprises code that is executable by the processor device to:
determine transfers that are unverified using the multi-factor authentication process; and
prevent unverified transfers from executing.

### Claim 5

A computing device, comprising:
a communication port configured for communicating data with other computing devices;
a processor device; and
a non-transitory computer-readable storage memory comprising code that is executable by the processor device to:
intercept a transfer prior to a settlement system;
use a transaction identifier of the transfer to access information from an immutable ledger;
confirm that the information from the immutable ledger is consistent with data of the transfer; and
in response to confirming that the information is consistent with the data of the transfer, provide the transfer to the settlement system,
wherein the computing device is an interceptor of a transactions system, the interceptor configured to prevent the transfer from executing in response to failing to confirm that the data from the transfer matches the information in the immutable ledger,
wherein the interceptor is configured to be positioned in a semi-isolated zone with the immutable ledger such that the interceptor and the immutable ledger are semi-accessible to users of the transactions system, wherein the interceptor is configured to communicate with the settlement system in an isolated zone that is inaccessible to the users.

### Claim 6 (depends on 5)

The computing device of claim 5, wherein the transfer is a wire transfer of funds from a first account to a second account.

### Claim 7 (depends on 5)

The computing device of claim 5, wherein the interceptor is configured to access the information from the immutable ledger in which at least part of the information is stored on the immutable ledger from a notary system in a non-isolated zone that is accessible to the users, the notary system configured to receive parameters of the transfer, verify the transfer using a multi-factor authentication process, in response to verifying the transfer, use a private key to countersign the transfer and return a signed transfer package for execution of the transfer, and provide the parameters of the transfer and countersign data to the immutable ledger.

### Claim 8 (depends on 5)

The computing device of claim 5, wherein the non-transitory computer-readable storage memory further comprises code that is executable by the processor device to:
determine transfers that are unverified using a multi-factor authentication process; and
prevent unverified transfers from executing.

### Claim 9

A method comprising:
receiving, by a notary system comprising a processor device executing code, parameters of a transfer;
verifying, by the notary system, the transfer using a multi-factor authentication process;
in response to verifying the transfer, using a private key to countersign the transfer and returning, by the notary system, a signed transfer package for execution of the transfer;
providing, by the notary system, the parameters of the transfer and countersign data to an immutable ledger;
intercepting, by an interceptor comprising a processor device executing code, the transfer prior to a settlement system;
using, by the interceptor, a transaction identifier of the transfer to access information from the immutable ledger;
confirming that the information from the immutable ledger is consistent with data of the transfer; and
in response to confirming that the information is consistent with the data of the transfer, providing the transfer to the settlement system,
wherein the notary system is in a non-isolated zone accessible to users and the interceptor is in a semi-isolated zone that is semi-accessible to the users.

### Claim 10 (depends on 9)

The method of claim 9, wherein the transfer is a wire transfer of funds from a first account to a second account.

### Claim 11 (depends on 3)

The method of claim 3, wherein receiving, by the notary system comprising the processor device executing code, parameters of the transfer comprises the notary system receiving the transfer initiated using a front office system and an authentication service system and a security system in the non-isolated zone that includes a transaction initialization system that interfaces with systems in the semi-isolated zone,
wherein verifying, by the notary system, the transfer using the multi-factor authentication process comprises using public keys to verify a digital signature from the front office system and to use private keys to digitally sign the transfer in response to verifying the digital signature.

### Claim 12 (depends on 11)

The method of claim 11, further comprising:
storing and updating, by the immutable ledger in the semi-isolated zone and accessible to a plurality of systems, transfer history data electronically on a device;
receiving, by a transaction management system in the semi-isolated zone, the transfer to be executed from the transaction initialization system;
using, by the transaction management system, trusted certificates and rules to prepare the transfer for execution;
tracking, by the transaction management system, a status of the transfer through execution; and
verifying, by a transfer system in the semi-isolated zone, one or more digital signatures of the transfer,
wherein the settlement system is positioned in an isolated zone that is isolated from the users.

### Claim 13 (depends on 9)

The method of claim 9, further comprising:
determining transfers that are unverified using the multi-factor authentication process; and
preventing unverified transfers from executing.