US 2025/0168022 A1Published application

System and method for reversing illegitimate interactions between computing systems

AssigneeBank of America Corporation

InventorsSaurabh Garg, Maneesh Kumar Sethia, Shailendra Singh

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Abstract

A method includes analyzing a first block of a blockchain stored in a blockchain network. The first block is associated with an interaction between computing systems. Upon determining that the interaction is illegitimate, a first instruction is sent to the blockchain network to create and add a dispute block associated with a dispute of the interaction to the blockchain. Upon determining that the blockchain includes an intermediate block between the first block and the dispute block that is associated with a subsequent interaction that is performed after the interaction, source and destination computing systems for the interaction and the subsequent interaction are determined. Upon approving reversals of the interaction and the subsequent interaction, a second instruction is sent to each destination computing system to initiate a reversal of a respective interaction. A notification is sent to each source computing system that the reversal of the respective interaction is approved.

Claims20

Dependent claims

A system comprising:

a memory configured to store:
a time threshold;
and
interaction reversal rules;
and
a processor operably coupled to the memory and configured to:
analyze a first block of a blockchain stored in a blockchain network, wherein the first block is associated with a first interaction between a first source computing system and a first destination computing system;
determine a first time that passed since performing the first interaction;
and
in response to determining that the first time is less than the time threshold:
determine if the first interaction is illegitimate;
and
in response to determining that the first interaction is illegitimate:
send a first instruction to the blockchain network to:
create a first dispute block associated with a dispute of the first interaction;
and
add the first dispute block to the blockchain;
determine if the blockchain comprises one or more first intermediate blocks between the first block and the first dispute block, wherein the one or more first intermediate blocks are associated with one or more first subsequent interactions that are performed after the first interaction;
and
in response to determining that the blockchain comprises the one or more first intermediate blocks between the first block and the first dispute block:
determine first source computing systems and first destination computing systems for the first interaction and the one or more first subsequent interactions based on the first block and the one or more first intermediate blocks;
determine, based on the interaction reversal rules, if reversals of the first interaction and the one or more first subsequent interactions are approved;
and
in response to determining that the reversals of the first interaction and the one or more first subsequent interactions are approved:
send a second instruction to each first destination computing system to initiate a reversal of a first respective interaction, wherein, in response to initiating the reversal of the first respective interaction, the blockchain network is configured to:
create a first reversal block associated with the reversal of the first respective interaction;
validate the first reversal block;
and
add the first reversal block to the blockchain;
and
send a first notification to each first source computing system that the reversal of the first respective interaction is approved.

28 more elements

A method comprising:

analyzing a first block of a blockchain stored in a blockchain network, wherein the first block is associated with a first interaction between a first source computing system and a first destination computing system;
determining a first time that passed since performing the first interaction;
and
in response to determining that the first time is less than a time threshold:
determining if the first interaction is illegitimate;
and
in response to determining that the first interaction is illegitimate:
sending a first instruction to the blockchain network to:
create a first dispute block associated with a dispute of the first interaction;
and
add the first dispute block to the blockchain;
determining if the blockchain comprises one or more first intermediate blocks between the first block and the first dispute block, wherein the one or more first intermediate blocks are associated with one or more first subsequent interactions that are performed after the first interaction;
and
in response to determining that the blockchain comprises the one or more first intermediate blocks between the first block and the first dispute block:
determining first source computing systems and first destination computing systems for the first interaction and the one or more first subsequent interactions based on the first block and the one or more first intermediate blocks;
determining, based on interaction reversal rules, if reversals of the first interaction and the one or more first subsequent interactions are approved;
and
in response to determining that the reversals of the first interaction and the one or more first subsequent interactions are approved:
sending a second instruction to each first destination computing system to initiate a reversal of a first respective interaction, wherein, in response to initiating the reversal of the first respective interaction, the blockchain network is configured to:
create a first reversal block associated with the reversal of the first respective interaction;
validate the first reversal block;
and
add the first reversal block to the blockchain;
and
sending a first notification to each first source computing system that the reversal of the first respective interaction is approved.

22 more elements

A non-transitory computer-readable medium storing instructions that, when executed by one or more processors, cause the one or more processors to:

analyze a first block of a blockchain stored in a blockchain network, wherein the first block is associated with a first interaction between a first source computing system and a first destination computing system;
determine a first time that passed since performing the first interaction;
and
in response to determining that the first time is less than a time threshold:
determine if the first interaction is illegitimate;
and
in response to determining that the first interaction is illegitimate:
send a first instruction to the blockchain network to:
create a first dispute block associated with a dispute of the first interaction;
and
add the first dispute block to the blockchain;
determine if the blockchain comprises one or more first intermediate blocks between the first block and the first dispute block, wherein the one or more first intermediate blocks are associated with one or more first subsequent interactions that are performed after the first interaction;
and
in response to determining that the blockchain comprises the one or more first intermediate blocks between the first block and the first dispute block:
determine first source computing systems and first destination computing systems for the first interaction and the one or more first subsequent interactions based on the first block and the one or more first intermediate blocks;
determine, based on interaction reversal rules, if reversals of the first interaction and the one or more first subsequent interactions are approved;
and
in response to determining that the reversals of the first interaction and the one or more first subsequent interactions are approved:
send a second instruction to each first destination computing system to initiate a reversal of a first respective interaction, wherein, in response to initiating the reversal of the first respective interaction, the blockchain network is configured to:
create a first reversal block associated with the reversal of the first respective interaction;
validate the first reversal block;
and
add the first reversal block to the blockchain;
and
send a first notification to each first source computing system that the reversal of the first respective interaction is approved.

22 more elements

Dependencies are inferred from the claim text.