Patents Examined by Chunling Ding
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Patent number: 12711493Abstract: A method may include a tokenization service: receiving, from a token management system, a namespace and a plurality of token parameters for the namespace; receiving a one-time load of a plurality of primary account numbers from the token management system; generating a token corresponding to each of the plurality of primary account numbers using the token parameters; storing a mapping of the plurality of tokens to the primary account numbers in the namespace; providing the plurality of tokens to the token management system; receiving, in response to a token refresh event, a new namespace and new token parameters from the token management system; generating a new token corresponding to each of the primary account numbers using the new token parameters; storing a mapping of the plurality of new tokens to the primary account numbers; and providing the plurality of new tokens to the token management system.Type: GrantFiled: March 19, 2025Date of Patent: August 18, 2026Assignee: JPMORGAN CHASE BANK, N.A.Inventors: Sridhar Aravamudhan, Howard Spector, David L Koch, Steve M Piatt, Valli Musti, Valerii Dmytryk, Bharat B Sharma, Neha Srivastava, Gunjeet Singh
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Patent number: 12705602Abstract: Generating and processing electronic content in a decentralized finance network using distributed ledger technology is disclosed. Transaction security and efficiency is enhanced by integrating generative AI with hash-based security and NFTs in a DeFi network. User devices capture a customer prompt specifying a financial transaction request, which a generative AI module analyzes to extract attributes and determine a transaction type. A webhook transmits the attributes to distributed nodes, and a security module generates a hash-based security token for attribute-level security. A content assembly module creates a JSON object based on node responses and smart contract rules. The generative artificial intelligence module generates a dynamic electronic form, prepopulating fields with network data. User input populates the form, which a tokenization module mints as a non-fungible token with a validity period.Type: GrantFiled: June 17, 2025Date of Patent: August 11, 2026Assignee: Bank of America CorporationInventors: Pratap Dande, Shailendra Singh, Ramesh Bhavana, Dasu Maddukuri, Ronak Maheshkumar Shah, Naga Vamsi Krishna Akkapeddi
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Patent number: 12699973Abstract: In one embodiment, a method includes receiving a request from a requesting server by an encryption service API to retrieve account data associated with a virtual bank account (VBAN), wherein the VBAN is decoupled from an external resource account, and wherein the request comprises an identifier associated with the VBAN, accessing an encryption key associated with a secure storage database by the encryption service API, wherein the secure storage database comprises encrypted account data associated with the VBAN and the external resource account, transmitting the encryption key and the identifier by the encryption service API to the secure storage database, receiving decrypted account data associated with the VBAN from the secure storage database by the encryption service API, wherein the decrypted account data is determined based on the encryption key and the encrypted account data, and transmitting the decrypted account data to the requesting server.Type: GrantFiled: March 9, 2023Date of Patent: August 4, 2026Assignee: Lithic, Inc.Inventor: Michael Prentice
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Patent number: 12682340Abstract: A method for a fully distributed privacy-preserving multi-lateral netting between parties is disclosed. The method comprising collecting pending transactions between at least a part of the parties, publishing a commitment of pending transactions to a bulletin board, secretly sharing de-commitments among the parties, and publishing, by each party, its determined liquidity status, to the bulletin board. Furthermore, the method comprises upon determining a failure in the publishing of any liquidity status, performing the following MPC by determining whether all pending transactions are settable maintaining positive liquidity for each party, and upon determining a failure in the determining, for each party, whether all pending transactions are nettable determining an optimized subset of transactions that are nettable without violating liquidity requirements for each party.Type: GrantFiled: March 29, 2021Date of Patent: July 14, 2026Assignees: International Business Machines Corporation, The Board of Trustees of the University of IllinoisInventors: Angelo De Caro, Andrew Miller, Amit Agarwal
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Patent number: 12664533Abstract: An improved blockchain network is described herein in which participants in the blockchain network can verify that a user has the right to transfer physical, real, or tangible property represented by a digital asset (e.g., a token, such as a non-fungible token) and implement the transfer. Thus, the improved blockchain network is more secure than typical blockchain implementations and improves the ability of participants in the blockchain network to identify and/or prevent malicious activity.Type: GrantFiled: October 13, 2022Date of Patent: June 23, 2026Assignee: First American Title CompanyInventors: Nicole Leigh Thompson, Todd Garrett Jones, Jayson Eric Murray
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Patent number: 12664543Abstract: A computer-implemented method comprising receiving a first event request corresponding to a pending event between a first computing device and a second computing device, the first event request comprising a first set of event attributes corresponding to the pending event; transmitting, each of a plurality of first subsets of event attributes to a different set of nodes; receiving a second event request corresponding to the pending event between the first computing device and the second computing device; and transmitting each of the plurality of second subsets of event attributes to a different set of the plurality of sets of nodes, wherein each of the plurality of sets of nodes compares the first subset of event attributes that the set of nodes receives with the second subset of event attributes that the set of nodes receives; and a block instance corresponding to the pending event to a blockchain.Type: GrantFiled: May 21, 2024Date of Patent: June 23, 2026Assignee: CITIBANK, N.A.Inventor: Shishir Singh
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Patent number: 12659133Abstract: This application provides an asset transferring method and apparatus based on multiple blockchains, a device, a medium, and a product. The method includes: obtaining a first cross-chain asset transfer-out request transmitted by a service object for a first cross-chain transfer-out transaction; writing transaction data of the first cross-chain transfer-out transaction carried in the first cross-chain asset transfer-out request into a first cross-chain bridge contract on a first chain; and invoking, when determining that the service object has a cross-chain asset transfer-out permission based on the first cross-chain bridge contract and service data information, a first asset contract on the first chain to lock a first asset, and generating a first cross-chain event corresponding to the first cross-chain transfer-out transaction. According to this application, the service stability of a service executed on a chain may be ensured based on a multi-blockchain architecture.Type: GrantFiled: November 6, 2023Date of Patent: June 16, 2026Assignee: TENCENT TECHNOLOGY (SHENZHEN) COMPANY LIMITEDInventor: Gengliang Zhu
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Patent number: 12646040Abstract: Methods, systems, and apparatus, including computer programs encoded on computer-storage media, for, e.g., generating a private cryptographic key and public cryptographic key as a cryptographic key pair; storing the private cryptographic key and the public cryptographic key in a trusted execution environment (TEE); generating a smart contract configured to: identify a triggering event comprising a request to perform a service comprising generating digital currency; prior to performing the service, verify conditions for performing the service; and in response to verifying the conditions for performing the service, generating the digital currency; generating a hash value representing the smart contract using the private cryptographic key; transmitting the hash value representing the smart contract to a privacy computing platform; and transmitting the public cryptographic key to the privacy computing platform configured to decrypt the hash value representing the smart contract.Type: GrantFiled: June 9, 2023Date of Patent: June 2, 2026Assignee: Precidian Investments, LLCInventors: Daniel Joseph McCabe, Paul Edward Kuhnle, Mark Steven Criscitello
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Patent number: 12639684Abstract: Methods, systems, and devices for staging of non-fungible tokens (NFTs) before deployment of the NFTs are described. A custodial token platform receives user inputs corresponding to a collection of NFTs associated with a smart contract to be stored on a blockchain distributed data store. The custodial token platform deploys the smart contract to the blockchain distributed data store based on the user inputs, receives data corresponding to the collection, and uploads the data corresponding to the collection to a distributed file system. Uploading the data corresponding to the collection includes uploading first content for a first NFT and uploading second content for a second NFT to the distributed file system. The custodial token platform receives an update to the first content, uploads the updated first content to the distributed file system, and updates the smart contract to include indications of the data corresponding to the collection and the updated first content.Type: GrantFiled: June 7, 2023Date of Patent: May 26, 2026Inventors: Sean Geng, Theo Szymkowiak
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Patent number: 12597036Abstract: Devices, systems, and methods are provided for performing secured analytics using encrypted data. The method may include receiving first data and second data, the first data and the second data being homomorphically encrypted, the first data associated with a first type of data, and the second data associated with a second type of data. The method may include retrieving third data associated with the first type of data, and retrieving fourth data associated with the second type of data. The method may include determining a first proximity between the first data and the third data, and determining a second proximity between the second data and the fourth data. The method may include determining, based on the first proximity and the second proximity, a risk score, and determining, based on the risk score, a fraudulent action associated with the first data and the second data.Type: GrantFiled: January 8, 2024Date of Patent: April 7, 2026Assignee: Cox Communications, Inc.Inventors: Jignesh Patel, Harry Tang, Matthew Edwin Carothers
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Patent number: 12572925Abstract: Systems, methods, and computer-readable storage media to protect non-fungible tokens (NFTs) using a protection architecture. One method includes receiving an NFT, authenticating the NFT including authenticating or verifying the NFT using a key and authenticating the link of the NFT, and protecting the NPT including generating a public-private key pair, encapsulating the NFT within a control structure, updating an NFT account in an overlay ledger, generating and storing a cold storage object in a cold storage ledger, and broadcasting the NFT to a blockchain storage.Type: GrantFiled: November 12, 2024Date of Patent: March 10, 2026Assignee: Wells Fargo Bank, N.A.Inventors: Ashish B. Kurani, Dennis E. Montenegro
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Patent number: 12562907Abstract: A computer-implemented method to validate a block at a node within a network of nodes implementing a blockchain conforming to a blockchain protocol. This may be the Bitcoin protocol or an alternative. The method includes determining, serially, that each unspent transaction output referenced as an input in each of the plurality of transactions is unique and, based on that determination allocating each transaction in the plurality of transactions to one of two or more parallel processors, and verifying, in parallel, by the two or more parallel processors, that the transactions in the plurality of transactions comply with transaction-level validation criteria. The node also determines that the block meets block-level validation criteria. If the transactions comply with transaction-level validation criteria and the block complies with block-level validation criteria, the block is deemed valid and the node forwards the block to one or more peer nodes in the network.Type: GrantFiled: January 8, 2024Date of Patent: February 24, 2026Assignee: NCHAIN LICENSING AGInventors: Patrick Motylinski, Stephane Vincent, Giuseppe Destefanis, Simone Madeo, Craig Steven Wright
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Patent number: 12555105Abstract: A method, system, and computer program product is provided for revocable peer-to-peer payments. The method includes generating an asymmetric key pair comprising a first key and a second key, encrypting at least a portion of the peer-to-peer payment data with the first key to generate encrypted payment data, storing the encrypted payment data, communicating the second key to a first device associated with the first user, receiving the second key from a second device associated with the second user, decrypting the encrypted payment data based on the second key received from the second device, and processing the payment from the first account to the second account based on decrypting the encrypted payment data.Type: GrantFiled: January 22, 2020Date of Patent: February 17, 2026Assignee: Visa International Service AssociationInventors: Gurpreet Singh Bhasin, Saswat Kumar Nayak
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Patent number: 12548014Abstract: A method for using shareable and nested transactions on hash chains includes appending a data block of a transaction of a first hash chain to a second hash chain. The second hash chain originates from a tail block of the first hash chain. The method further includes removing the data block from the transaction by setting a tail block identifier of the second hash chain to a previous block appended to one of the first hash chain and the second hash chain prior to the data block. The method further includes updating the transaction with updated transaction data by setting the tail block identifier of the second hash chain to the updated data block. The method further includes appending the second hash chain to the first hash chain by setting the tail block of the first hash chain to the tail block of the second hash chain.Type: GrantFiled: February 21, 2024Date of Patent: February 10, 2026Assignee: Intuit Inc.Inventors: Glenn Carter Scott, Michael Richard Gabriel
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Patent number: 12549332Abstract: A high-performance distributed ledger and transaction computing network fabric over which large numbers of transactions (involving the transformation, conversion or transfer of information or value) are processed concurrently in a scalable, reliable, secure and efficient manner. In one embodiment, the computing network fabric or “core” is configured to support a distributed blockchain network that organizes data in a manner that allows communication, processing and storage of blocks of the chain to be performed concurrently, with little synchronization, at very high performance and low latency, even when the transactions themselves originate from distant sources. This data organization relies on segmenting a transaction space within autonomous but cooperating computing nodes that are configured as a processing mesh. Each computing node typically is functionally-equivalent to all other nodes in the core.Type: GrantFiled: March 14, 2023Date of Patent: February 10, 2026Assignee: Akami Technologies, Inc.Inventors: David C. Carver, Andrew F. Champagne, Ramanath Mallikarjuna, Thomas Houman
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Patent number: 12518266Abstract: Aspects of the present disclosure are directed to verifying a communication identifier or electronic address using one or more blockchains. Implementations mint non-fungible tokens (NFTs) that correspond to the electronic addresses and/or communication identifiers. A person or company can communicate with third-party entities via the electronic addresses and/or communication identifiers. A given third-party entity can verify that a NFT that corresponds to the specific electronic address and/or communication identifier the given third-party is interfacing with has a corresponding minted NFT. The existence of such a minted NFT verifies that the specific electronic address and/or communication identifier has been registered with a trusted authority. The third-party entity can then safely interact with the electronic address and/or communication identifier once receiving the verification result.Type: GrantFiled: February 27, 2023Date of Patent: January 6, 2026Assignee: United States Automobile Association (USAA)Inventors: Ravi Durairaj, Salvador Adrian Bretado, Hanna Elizabeth Rafferty, Pradeep R. Mangalagiri, Justin Royell Nash, Marshall Hercules Felder, Brian Tougas
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Patent number: 12518274Abstract: Disclosed is a method, a device, a system and/or a manufacture of an evolving actual possession token with verifiable evolution state. In one embodiment, a method of ledgerless ownership through actual possession of an electronic token receives an electronic token that includes a set of data blocks each having a transaction data beginning with an issue transaction, with each data block having a block hash dependent on a previous block hash and on a secret value used to evolve the electronic token when adding a new block upon a transfer transaction. A new block and a new secret value is generated and input into a cryptographic hash function, resulting in an output that is a new block hash representing an evolved state of the token. The evolved state may be published to a state dataset that may establish an independent evidence of evolution of the electronic token.Type: GrantFiled: August 3, 2018Date of Patent: January 6, 2026Assignee: THE ONLI CORPORATIONInventors: Dhryl Anton, Michael McFall
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Patent number: 12518273Abstract: Medium, method and system for a distributed ledger system for recording asset provenance and titling information. The distributed ledger may store information that can be used to tie a particular digital asset provenance tag to an associated asset such as a serial number or other identifying indicia. The digital asset provenance tag may further store information regarding the provenance of the asset in question, including the history of the production and previous ownership of the asset. Thus, a prospective purchaser of the asset can confirm that the asset is what it is purported to be and that the seller is actually the owner of the asset prior to purchase.Type: GrantFiled: June 21, 2023Date of Patent: January 6, 2026Assignee: TitleChainInventors: Pamela Norton, Eric Wallace
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Patent number: 12518254Abstract: An example operation may include one or more of receiving a blockchain transaction that comprises a state reference to an unspent transaction output (UTXO), determining whether the UTXO is included within a first subset of transactions on a blockchain ledger based on a zero-knowledge (ZK) proof included in the state reference, determining whether the UTXO is included within a second subset of transactions on the blockchain ledger based on a hash value included in the state reference, and in response to a determination that the UTXO is not included in either of the first and second subsets of transactions, committing the blockchain transaction including the state reference to the blockchain ledger via a blockchain peer.Type: GrantFiled: September 19, 2021Date of Patent: January 6, 2026Assignee: International Business Machines CorporationInventors: Angelo De Caro, Kaoutar El Khiyaoui, Elli Androulaki, Ioanna Karantaidou
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Patent number: 12511648Abstract: An example operation may include one or more of connecting, by a consortium server, to a blockchain network configured to store digital assets of senders and recipients of funds, receiving from a sender, by the consortium server, a message containing a payment note value and a recipient data, the message is serially encrypted by a plurality of routers, retrieving, by the consortium server, the payment note value from an account of the sender, generating, by the consortium server, a transaction for a transfer of an unspent transaction output of the sender (UTXOs) to an unspent transaction output of the recipient (UTXOr) based on the message, signing, by the consortium server, the transaction with a private key of the consortium server, and submitting, by the consortium server, the transaction to the blockchain.Type: GrantFiled: August 30, 2018Date of Patent: December 30, 2025Assignee: International Business Machines CorporationInventors: Chander Govindarajan, Pralhad Dinesh Deshpande