Check tampering prevention using blockchain

Patent metadata

Field	Value
Publication number	US-12524745-B2
Application number	US-202418586173-A
Country	US
Kind code	B2
Filing date	Feb 23, 2024
Priority date	Nov 21, 2018
Publication date	Jan 13, 2026
Grant date	Jan 13, 2026

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.

First claim

We claim:

1 . 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.

2 . The system of claim 1 , wherein the negotiable instrument includes a check.

3 . The system of claim 1 , wherein the first hash value is part of the record.

4 . The system of claim 1 , wherein the first metadata and the second metadata include one or more of an account number, a date, an amount, or a combination thereof.

5 . The system of claim 1 , wherein the record includes a header and a data payload.

6 . The system of claim 5 , wherein the data payload includes the retrieved version of the second digital image.

7 . The system of claim 6 , wherein the data payload includes the second metadata.

8 . The system of claim 5 , wherein the header includes a third hash value to index a preceding record in the blockchain.

9 . The system of claim 1 , wherein the blockchain is a public blockchain, wherein the system is a node in the blockchain, and wherein the instructions cause the one or more processors to perform the operations of:
generating a data payload including the first digital image and the first metadata; and encrypting the data payload to store in the record on the blockchain.

10 . 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.

11 . The computer-implemented method of claim 10 , wherein the negotiable instrument includes a check.

12 . The computer-implemented method of claim 10 , wherein the first hash value is part of the record.

13 . The computer-implemented method of claim 10 , wherein the first metadata and the second metadata include one or more of an account number, a date, an amount, or a combination thereof.

14 . The computer-implemented method of claim 10 , wherein the record includes a header and a data payload.

15 . The computer-implemented method of claim 14 , wherein the data payload includes the retrieved version of the second digital image.

16 . The computer-implemented method of claim 15 , wherein the data payload includes the second metadata.

17 . The computer-implemented method of claim 14 , wherein the header includes a third hash value to index a preceding record in the blockchain.

Assignees

• Capital One Services Llc

Inventors

• Vukich Adam
• Hart Colin
• Ji Jason
• Newman Kaitlin

Classifications

• G06Q20/4016

  involving fraud or risk level assessment in transaction processing · CPC title

• G06Q20/0425

  the cheque being electronic only · CPC title

• G06Q20/382

  insuring higher security of transaction · CPC title

• G06N20/00

  Machine learning · CPC title

• G06Q20/389

  Keeping log of transactions for guaranteeing non-repudiation of a transaction · CPC title