US 2025/0148458 A1 · IN-LINE VERIFICATION OF TRANSACTIONS

Abstract

A method can include intercepting, by an interceptor positioned between a transfer system and a transfer settlement system, a transaction prior to the transaction being provided to the transfer settlement system. The method can include confirming that data from the transaction matches information in an immutable ledger to which parameters of the transaction have been provided by a notary system that confirms the parameters of the transaction and applies a signature using a private key to the transaction in response to confirming the parameters. The method can include, in response to confirming that the data matches the information, providing the transaction for settlement by the transfer settlement system.

Claims20

Dependent claims

A method comprising:

intercepting a transaction prior to the transaction being provided to a transfer settlement system;
confirming that data from the transaction matches information in an immutable ledger that includes (i) parameters of the transaction, (ii) a confirmation of the parameters, and (iii) a signature with a private key;
and
in response to confirming that the data matches the information, providing the transaction for settlement by the transfer settlement system.

1 more element

A computing device that is an interceptor, the computing device comprising:

a processor device;
and
a non-transitory computer-readable storage memory comprising code that is executable by the processor device to perform operations comprising:
intercepting a transaction prior to the transaction being provided to a transfer settlement system;
confirming that data from the transaction matches information in an immutable ledger that includes (i) parameters of the transaction, (ii) a confirmation of the parameters, and (iii) a signature with a private key;
and
in response to confirming that the data matches the information, providing the transaction for settlement by the transfer settlement system.

4 more elements

A system comprising:

a notary system in a non-isolated zone that is accessible to users;
an immutable ledger in a semi-isolated zone that is semi-accessible to the users;
and
an interceptor comprising:
a processor device;
and
a non-transitory computer-readable storage memory comprising code that is executable by the processor device to perform operations comprising:
intercepting a transaction prior to the transaction being provided to a transfer settlement system;
confirming that data from the transaction matches information in an immutable ledger that includes (i) parameters of the transaction, (ii) a confirmation of the parameters, and (iii) a signature with a private key;
and
in response to confirming that the data matches the information, providing the transaction for settlement by the transfer settlement system.

8 more elements

Dependencies are inferred from the claim text.

Facts

Application

19/016,645Filed 10 Jan 2025

Priority

13 May 2019

Published

8 May 2025

Term ends

Not estimatedThe source records don’t support an estimate.

Classification14 codes

G06Q 20/02
Payment architectures, schemes or protocols: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/3825
Insuring higher security of transaction: use of electronic signatures
G06Q 20/3829
Insuring higher security of transaction: involving key management
G06Q 20/389
Payment protocols; Details thereof: keeping log of transactions for guaranteeing non-repudiation of a transaction

Family

Application16/410,139Division · filed 13 May 2019

Application16/953,594Continuation · filed 20 Nov 2020

Application17/847,746Continuation · filed 23 Jun 2022

Application18/472,358Continuation · filed 22 Sep 2023

Application19/016,645Continuation

Application16/953,594Division

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