# US 2026/0065263 A1 · Multi-signature verification network > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2026/0065263 A1 - Document ID: US20260065263A1 - Status: Published application - Kind: A1 - Application number: 19/383,067 - Filed: 2025-11-07 - Published: 2026-03-05 - Earliest claimed: 2018-09-06 - Assignees: Intercontinental Exchange Holdings, Inc. - Applicants: Intercontinental Exchange Holdings, Inc. - Inventors: Jerry Perullo - Web page: https://patentgrep.com/patent/US20260065263A1 ## CPC - G06Q 20/3825: {Use of electronic signatures} - G06Q 20/401: {Transaction verification} - G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] - G06Q 20/065: {using e-cash} - G06Q 20/382: {insuring higher security of transaction} - G06Q 20/3823: {combining multiple encryption tools for a transaction} - G06Q 20/4016: {involving fraud or risk level assessment in transaction processing} - H04L 9/0637: {Modes of operation, e.g. cipher block chaining [CBC], electronic codebook [ECB] or Galois/counter mode [GCM]} - H04L 9/3239: {involving non-keyed hash functions, e.g. modification detection codes [MDCs], MD5, SHA or RIPEMD} - H04L 9/3247: {involving digital signatures} - H04L 9/3255: {using group based signatures, e.g. ring or threshold signatures} - G06F 3/0482: Interaction with lists of selectable items, e.g. menus - G06Q 2220/00: Business processing using cryptography - H04L 9/50: {using hash chains, e.g. blockchains or hash trees} - 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) - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) ## Abstract Systems and methods for authorizing a blockchain transaction. A verification network receives a transaction request for the blockchain transaction from a payer device including a first signature generated by a first private key associated with a payer. The verification network broadcasts a verification request to verification system(s) which assess pre-agreed threshold parameters. If the parameter(s) are satisfied, at least one verification system perfects the transaction by generating a second signature using a second private key, and broadcasts the transaction to the blockchain network. If the parameter(s) are not satisfied, verification offer(s) from among the verification system(s) including the second signature(s) are used to prompt the payer device to confirm the blockchain transaction by selecting at least one of the offer(s). The verification network receives selected offer(s) from the payer device and broadcasts the transaction to the blockchain network, in accordance with the selected offer(s) and the transaction request. ## Claims ### Claim 1 A method comprising: receiving, by a verification network, a proposed blockchain transaction generated by at least one payer device, the verification network comprising a computing system having a processor and a memory storing programming instructions; broadcasting, by the verification network, a verification request for the proposed blockchain transaction to one or more verification computing systems, the verification request including one or more situational detail parameters associated with the proposed blockchain transaction; determining, by the one or more verification computing systems, whether the proposed blockchain transaction includes one or more pre-agreed threshold parameters, responsive to the verification request; when the proposed blockchain transaction includes the one or more pre-agreed threshold parameters: perfecting, directly by the one or more verification computing systems, the proposed blockchain transaction to create a perfected blockchain transaction, and broadcasting, by the one or more verification computing systems, the perfected blockchain transaction directly to a blockchain network; and when the proposed blockchain transaction fails to include the one or more pre-agreed threshold parameters: perfecting, by the one or more verification computing systems, the proposed blockchain transaction via prompting authorization from the at least one payer device, the prompting comprising generating and transmitting one or more verification offers to the at least one payer device, transmitting, responsive to receiving the one or more verification offers, by the at least one payer device, a selection of at least one offer from among the one or more verification offers to the verification network, the selection indicating the authorization of the proposed blockchain transaction, and broadcasting, by the verification network, the perfected blockchain transaction to the blockchain network, responsive to receiving said selection indicating the authorization from the at least one payer device. ### Claim 2 (depends on 1) The method of claim 1, wherein the proposed blockchain transaction comprises a first signature that is generated using a first private key. ### Claim 3 (depends on 2) The method of claim 2, wherein the first private key is generated and maintained by the at least one payer device. ### Claim 4 (depends on 3) The method of claim 3, wherein the perfecting of the proposed blockchain transaction comprises generating one or more additional signatures using a second private key. ### Claim 5 (depends on 4) The method of claim 4, wherein the second private key is generated and maintained by the one or more verification computing systems. ### Claim 6 (depends on 1) The method of claim 1, further comprising: displaying the one or more verification offers via a graphical user interface of the at least one payer device. ### Claim 7 (depends on 1) The method of claim 1, further comprising: generating, by the one or more verification computing systems, the one or more verification offers based on a risk analysis of the proposed blockchain transaction. ### Claim 8 (depends on 7) The method of claim 7, wherein the one or more verification offers comprise one or more of an indication of a transaction risk based on the risk analysis, a verification charge based on the risk analysis, and a surge charge based on a volume of verifications requests received by the one or more verification computing systems. ### Claim 9 (depends on 7) The method of claim 7, further comprising: assessing, by the one or more verification computing systems, a risk associated with verifying the proposed blockchain transaction. ### Claim 10 (depends on 9) The method of claim 9, wherein the risk is based on one or more of a location of the at least one payer device, a transaction amount, a frequency of transactions between a payer associated with the at least one payer device and a payee, an identity of the payee, a time of the proposed blockchain transaction, and a purchase history of the payer. ### Claim 11 (depends on 1) The method of claim 1, further comprising: generating, by an account handler of the verification network, one or more key pairs, each key pair comprising a public key and a private key, each key pair associated with a particular user; storing, by the account handler, the one or more key pairs in a database of the verification network; performing, by a transaction agent of the verification network, one or more of: broadcasting the verification request to the one or more verification computing systems, recording the perfected blockchain transaction in the database, and broadcasting the perfected blockchain transaction to the blockchain network; and verifying, by a verification agent of the verification network, at least one of a first signature and one or more additional signatures. ### Claim 12 (depends on 11) The method of claim 11, further comprising: granting, by the account handler, access to at least one private key among the one or more key pairs to the one or more verification computing systems, and generating, by the one or more verification computing systems, one or more additional signatures using said at least one private key. ### Claim 13 (depends on 1) The method of claim 1, wherein the proposed blockchain transaction comprises one or more of a public key associated with the at least one payer device, payee address information associated with a payee, a public key associated with the payee, a transaction amount and a specification of two or more additional signatures to perfect the proposed blockchain transaction. ### Claim 14 (depends on 1) The method of claim 1, further comprising: prompting, by the one or more verification computing systems, the at least one payer device to authenticate with the one or more verification computing systems; confirming, by the one or more verification computing systems, an identity of a payer associated with the at least one payer device; and verifying, by the one or more verification computing systems, that an account associated with the payer includes a transaction amount. ### Claim 15 (depends on 1) The method of claim 1, further comprising: incorporating, by the verification network, the one or more situational detail parameters into the proposed blockchain transaction. ### Claim 16 (depends on 1) The method of claim 1, wherein the one or more situational detail parameters comprise one or more of transaction information, geolocation data, and merchant data. ### Claim 17 (depends on 16) The method of claim 16, wherein the transaction information comprises one or more of a time and a value, and the merchant data comprises merchant statistics data. ### Claim 18 (depends on 1) The method of claim 1, further comprising: analyzing, by the one or more verification computing systems, the one or more situational detail parameters in the verification request to determine a likelihood of fraud associated with the proposed blockchain transaction. ### Claim 19 (depends on 18) The method of claim 18, further comprising: perfecting, by the one or more verification computing systems, the proposed blockchain transaction responsive to said analyzing of the one or more situational detail parameters and said determining of whether the proposed blockchain transaction includes the one or more pre-agreed threshold parameters. ### Claim 20 (depends on 18) The method of claim 18, further comprising: reversing, by the one or more verification computing systems, the perfected blockchain transaction responsive to determining that the proposed blockchain transaction is fraudulent. ### Claim 21 A non-transitory computer-readable storage medium carrying computer-readable instructions that, when executed by one or more processors, direct the one or more processors to perform the functions of: receiving a proposed blockchain transaction generated by at least one payer device; and broadcasting a verification request for the proposed blockchain transaction to one or more verification computing systems, the verification request including one or more situational detail parameters associated with the proposed blockchain transaction, wherein, responsive to verification request, the one or more verification computing systems are caused to perform the functions of: determining whether the proposed blockchain transaction includes one or more pre-agreed threshold parameters; when the proposed blockchain transaction includes the one or more pre-agreed threshold parameters: directly perfecting the proposed blockchain transaction to create a perfected blockchain transaction, and broadcasting the perfected blockchain transaction directly to a blockchain network; and when the proposed blockchain transaction fails to include the one or more pre-agreed threshold parameters: perfecting the proposed blockchain transaction via prompting authorization from the at least one payer device, the prompting comprising generating and transmitting one or more verification offers to the at least one payer device, receiving, by the one or more processors, from the at least one payer device, responsive to the at least one payer device receiving the one or more verification offers, a selection of at least one offer from among the one or more verification offers, the selection indicating the authorization of the proposed blockchain transaction, and broadcasting, by the one or more processors, the perfected blockchain transaction to the blockchain network, responsive to receiving said selection indicating the authorization from the at least one payer device. ### Claim 22 (depends on 21) The non-transitory computer-readable storage medium of claim 21, wherein the proposed blockchain transaction comprises a first signature that is generated using a first private key, the first private key being generated and maintained by the at least one payer device. ### Claim 23 (depends on 22) The non-transitory computer-readable storage medium of claim 22, wherein the perfecting of the proposed blockchain transaction comprises generating one or more additional signatures using a second private key, the second private key being generated and maintained by the one or more verification computing systems. ### Claim 24 (depends on 21) The non-transitory computer-readable storage medium of claim 21, wherein the functions further comprise: generating one or more key pairs, each key pair comprising a public key and a private key, each key pair associated with a particular user; storing the one or more key pairs in a database; performing one or more of: broadcasting the verification request to the one or more verification computing systems, recording the perfected blockchain transaction in the database, and broadcasting the perfected blockchain transaction to the blockchain network; and verifying at least one of a first signature and one or more additional signatures. ### Claim 25 (depends on 24) The non-transitory computer-readable storage medium of claim 24, wherein the functions further comprise: granting access to at least one private key among the one or more key pairs to the one or more verification computing systems; and generating, by the one or more verification computing systems, one or more additional signatures using said at least one private key. ### Claim 26 (depends on 21) The non-transitory computer-readable storage medium of claim 21, wherein the proposed blockchain transaction comprises one or more of a public key associated with the at least one payer device, payee address information associated with a payee, a public key associated with the payee, a transaction amount and a specification of two or more additional signatures to perfect the proposed blockchain transaction. ### Claim 27 (depends on 21) The non-transitory computer-readable storage medium of claim 21, wherein the functions further comprise: incorporating the one or more situational detail parameters into the proposed blockchain transaction, the one or more situational detail parameters comprising one or more of transaction information, geolocation data, and merchant data. ### Claim 28 (depends on 21) The non-transitory computer-readable storage medium of claim 21, wherein the functions further comprise: analyzing, by the one or more verification computing systems, the one or more situational detail parameters in the verification request to determine a likelihood of fraud associated with the proposed blockchain transaction. ### Claim 29 (depends on 28) The non-transitory computer-readable storage medium of claim 28, wherein the functions further comprise: perfecting, by the one or more verification computing systems, the proposed blockchain transaction responsive to said analyzing of the one or more situational detail parameters and said determining of whether the proposed blockchain transaction includes the one or more pre-agreed threshold parameters. ### Claim 30 (depends on 28) The non-transitory computer-readable storage medium of claim 28, wherein the functions further comprise: reversing, by the one or more verification computing systems, the perfected blockchain transaction responsive to determining that the proposed blockchain transaction is fraudulent.