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US 12,524,745 B2Granted
Check tampering prevention using blockchain
AssigneeCapital One Services, LLC
InventorsAdam Vukich, Colin Hart, Jason Ji, Kaitlin Newman
Life of this patent
Estimating the term…
Abstract
Various embodiments are directed to techniques for ensuring that a negotiable instrument has not been altered between the time the instrument leaves the hands of the payor and when the check is presented for redemption by the payee by recording an image of the check in a data block in a blockchain and retrieving the image when the check is presented for redemption for comparison with the check. A match between the stored image and the check indicates that no alteration of the check has occurred.
Claims17
A system comprising:
- one or more processors;
- memory containing instructions that, when executed by the one or more processors, causes the one or more processors to perform operations of:
- determining first metadata from a received version of a first digital image of a negotiable instrument using an optical character recognition technique;
- using the first metadata to calculate a first hash value;
- determining second metadata from a received version of a second digital image of the negotiable instrument using the optical character recognition technique;
- using the second metadata to calculate a second hash value;
- using the first hash value or the second hash value as an index responsive to the first hash value matching the second hash value to retrieve a record from a blockchain;
- retrieving a retrieved version of the second digital image from the record;
- comparing the received version of the second digital image and the retrieved version of the second digital image;
- and
- determining whether or not the received version of the second digital image has been altered based on the comparing.
8 more elements
A computer-implemented method, comprising:
- determining first metadata from a received version of a first digital image of a negotiable instrument using an optical character recognition technique;
- using the first metadata to calculate a first hash value;
- determining second metadata from a received version of a second digital image of the negotiable instrument using the optical character recognition technique;
- using the second metadata to calculate a second hash value;
- using the first hash value or the second hash value as an index responsive to the first hash value matching the second hash value to retrieve a record from a blockchain;
- retrieving a retrieved version of the second digital image from the record;
- comparing the received version of the second digital image and the retrieved version of the second digital image;
- and
- determining whether or not the received version of the second digital image has been altered based on the comparing.
6 more elements
Dependencies are inferred from the claim text.