Preprocessing cryptocurrency transactions

The cryptocurrency preprocessing system predicts the impact of tentative transactions by constructing transaction trees for both sender and receiver, allowing users to assess and avoid risky interactions, enhancing transaction security and usability.

WO2026111823A1PCT designated stage Publication Date: 2026-05-28MASTERCARD INT INC
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Patent Information

Authority / Receiving Office
WO · WO
Patent Type
Applications
Current Assignee / Owner
MASTERCARD INT INC
Filing Date
2025-10-08
Publication Date
2026-05-28

AI Technical Summary

Technical Problem

In cryptocurrency blockchain systems, the uncertainty of identities and reputations of transacting parties can lead to complications such as increased scrutiny, reputational damage, and financial setbacks, as conventional risk scoring does not account for the potential impact of transactions with lower-scored parties on higher-scored users.

Method used

A cryptocurrency preprocessing system constructs transaction trees for both the sender and receiver based on recorded blockchain transactions, incorporating a tentative transaction to predict the change in risk score for the sender, allowing users to evaluate potential negative impacts before executing the transaction.

Benefits of technology

Enables users to anticipate and avoid transactions that may negatively affect their risk score, improving the security and usability of cryptocurrency transactions by reducing network traffic and processing load associated with risky interactions.

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Abstract

Examples predict changes in risk scores in cryptocurrency transactions between potential transacting parties. The system identifies a tentative transaction between the sender and receiver on a cryptocurrency blockchain. The system builds a receiver transaction tree based on cryptocurrency transactions already recorded in the blockchain. The system also similarly builds a sender transaction tree. The system calculates a current risk score of the sender party based on the second transaction tree. The system builds a third transaction tree by adding the first transaction tree into the second transaction tree, thereby simulating the sender party as having transacted with the receiver party. The system then calculates a predicted risk score of the sender party based on the third transaction tree and transmits one or more of the predicted risk score and a change in risk score to the sender party.
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Citation Information

Patent Citations

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