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32 results about "Escrow" patented technology

Being in escrow is a contractual arrangement in which a third party (the stakeholder or escrow agent) receives and disburses money or property for the primary transacting parties, most generally, used with plentiful terms that conduct the rightful actions that follow. The disbursement is dependent on conditions agreed to by the transacting parties. Examples include an account established by a broker for holding funds on behalf of the broker's principal or some other person until the consummation or termination of a transaction; or, a trust account held in the borrower's name to pay obligations such as property taxes and insurance premiums. The word derives from the Old French word escroue, meaning a scrap of paper or a scroll of parchment; this indicated the deed that a third party held until a transaction was completed.

Systems and methods for blockchain-based financial transactions and trade management

Systems and methods for computer-implemented commodity transactions using blockchain-based smart contracts. A server with memory executes application to authenticate buyer and seller, receive listing with commodity identifier, quantity, quality, delivery terms, price; generate smart contract specifying participant identifiers, wallet or banking info, order and contract IDs, milestone events, settlement terms; commit contract to blockchain; escrow funds associated with contract; obtain shipment, inspection, and delivery status via oracle; verify milestone satisfaction; release escrowed funds accordingly; record settlement on chain; and update database. Modules may include compliance to compute taxes and fees, identity to perform KYC / AML, and dispute resolver to execute predefined remedies. Optional multisignature escrow and fiat or crypto settlement are supported. Executions store hashes and ledger indices to provide tamper evident audit trails.
Owner:TRADENETRIX INC

Method and system for adaptive quantum backend selection

An adaptive orchestration platform routes quantum-computing jobs to optimal backends in real time. A broker service ingests a quantum job description expressed in a provider-agnostic canonical schema, polls status metrics for multiple candidate processors, and derives composite scores using machine-learned, user-weighted factors. The highest-scoring backend is selected, and the job is automatically translated into its native instruction format. Payment is secured by a blockchain escrow smart contract that releases segmented disbursements upon queue confirmation, execution start and verified completion against service-level parameters. Results are hashed to an immutable ledger and failures trigger automated re-routing or refunds.
Owner:QUBITAL LLC

Systems and methods for optimally matching users of a media platform

PCT designated stageWO2025260036A1Mathematical modelsResourcesPaymentEngineering
An artist collaboration platform determines an artist vector for a plurality of artists using the artist collaboration platform. The artist collaboration platform determines a vector distance between each artist of the artist collaboration platform and optimally matches a first artist with a complementary artist based on minimizing a vector distance between the first artist and the complementary artist. The artist collaboration platform enables an artist to set collaboration requirements, set ownership and payment terms for a given collaboration, review collaboration submissions, and accept a desired collaboration submission. Upon acceptance of a collaboration, the artist collaboration platform accepts payments which are held in escrow until the collaboration are completed. The artist collaboration platform can automatically generate a legal document summarizing the ownership and payment terms surrounding an accepted collaboration submission using document generation logic.
Owner:VBRATO LLC

Blockchain escrow and auditing service

A request to authenticate to a Blockchain as a Service (BaaS) is received from a tenant (e.g., a user that is acting on behalf of a corporation). An authentication credential of the tenant associated with the request to authenticate to the BaaS is determined to be valid. In response to determining that the authentication credential of the tenant associated with the request to authenticate to the BaaS is valid, a level of access is granted to the BaaS. A request is received, from the tenant, to add a transaction block to a blockchain in the BaaS. The blockchain in the BaaS is interspersed with transaction blocks from a plurality of tenants of the BaaS. The transaction block is then added to the blockchain in the BaaS. This addition to the BaaS represents both an Escrow and an Audit capability.
Owner:MICRO FOCUS LLC

Telecommunication fraud identification and prevention and control method based on artificial intelligence assistance

The invention discloses a telecommunication fraud identification and prevention and control method based on artificial intelligence assistance, and relates to the technical field of telecommunication fraud prevention and control, and the method comprises the steps: comparing an identification result with official data, and generating a structured verification report; when the information displayed by the structured verification report is inconsistent or the suspicious degree score exceeds a suspicious threshold value, initiating an interactive question to the user and obtaining confirmation feedback, updating the risk level and triggering a blocking decision; payment control is executed, a block chain smart contract is automatically created for a smart contract generation instruction, and a user is guided to pay to a contract escrow account and loan to a payee only when a condition is reached; and for a credit protection account trusteeship instruction, transferring user funds to a financial institution guarantee account and sending a template filling instruction, and performing fund operation after artificial intelligence verification of material authenticity and secondary authorization of the user. According to the method, long-acting prevention and control are realized by constructing fraud recognition-risk blocking-long-acting prevention and control full-link closed-loop precise interception.
Owner:KUNMING BOXING TECH CO LTD

A blockchain-based distributed key escrow method

The application discloses a kind of distributed key escrow methods based on block chain, there are two kinds of committee identity nodes in the method: escrow node and election node. The secret is fragmented using improved Shamir secret sharing, and the fragmented fragments are escrowed on anonymous escrow nodes, which are dynamically elected by the election nodes. The election committee builds an anonymous communication channel to maintain the anonymous identity of the escrow committee. Every certain period of time, the smart contract triggers the re-election of the election nodes and the escrow nodes, dynamically changing the membership of the committee. The old escrow nodes transfer the fragmented shares to the new escrow nodes by halving the fragmented shares through anonymous communication, and the new escrow nodes restore the fragmented shares after receiving them, completing the regular dynamic update of the escrow nodes. The application ensures the security, anonymity and tamper resistance of node information, and decentralizes the management of keys, improving the security and reliability of secret escrow.
Owner:ZHEJIANG UNIV

Blockchain-based shared appreciation note

Blockchain-based systems and methods related to creating and distributing cryptographically secure, digital tokens representing equity in assets corresponding to loan agreements. The system may comprise a transaction interface portal configured to collect and manage information pertaining to the origination of a loan agreement or a token transaction agreement. The system may include an underwriting smart contract configured to autonomously verify the value of an asset corresponding to a loan origination based at least partially on information not originating on the blockchain. The system may deliver tokens through a programmable escrow wallet configured to deliver tokens to buyers upon the satisfaction of encoded regulatory criterion. The system may be configured to determine the price of one or more tokens before delivery and adjust the price based at least on the appreciating value of the assets corresponding to the loan agreements and the number of tokens retired by the system.
Owner:HOMIUM LLC

Transaction System and Method

The invention relates to systems and methods for executing a digital-asset transaction using a dual-tier messaging architecture. A central messaging server provides tamper detection and message-integrity verification while routing bilateral messages between transacting devices. A permissioned-blockchain channel manages a smart-contract escrow that holds digital assets in cold storage. A fiat-rail channel integrates a real-time payment protocol to obtain bank or rail confirmation that fiat funds are credited to a seller account. Upon receipt of settlement evidence and a validated session state, the escrow releases the digital asset from a seller cold-storage wallet to a buyer cold-storage wallet. Embodiments may capture a seller opt-in via a banking application, generate a dual-ledger audit trail across permissioned and public blockchains, and emit transaction identifiers for cross-system reconciliation. The approach improves compliance, reduces counterparty risk, and provides verifiable audit artifacts for regulated settlement of digital-asset transfers.
Owner:HONEYWELL SEAN WILLIAM

Threshold key escrow and member update method and device based on a blockchain system

The application discloses a threshold key escrow and member updating method and device based on a blockchain system, relates to the field of combination of blockchain and cryptography, determines a group public key and a private key of a Paillier encryption scheme, and performs threshold share allocation work on the private key of the Paillier encryption scheme according to the number of members in a committee, so that the escrow share of the threshold Paillier private key share of each member after an encryption operation can be placed on the blockchain system; when a member in the committee exits, a threshold Paillier decryption operation and a Lagrange reconstruction method are used to determine the threshold Paillier private key share of a new member and perform an escrow operation. The application can improve the security and convenient operability of the whole key escrow scheme.
Owner:BEIHANG UNIV +1

Systems and Methods for Optimally Matching Users of A Media Platform

An artist collaboration platform determines an artist vector for a plurality of artists using the artist collaboration platform. The artist collaboration platform determines a vector distance between each artist of the artist collaboration platform and optimally matches a first artist with a complementary artist based on minimizing a vector distance between the first artist and the complementary artist. The artist collaboration platform enables an artist to set collaboration requirements, set ownership and payment terms for a given collaboration, review collaboration submissions, and accept a desired collaboration submission. Upon acceptance of a collaboration, the artist collaboration platform accepts payments which are held in escrow until the collaboration are completed. The artist collaboration platform can automatically generate a legal document summarizing the ownership and payment terms surrounding an accepted collaboration submission using document generation logic.
Owner:VBRATO LLC

Artificial intelligence based real-time security escrow system

ActiveUS12452311B2Digital data protectionMachine learningProduct systemEnterprise computing
Various aspects of the disclosure relate to enforcing dynamically updated network security policies in real-time (or upon an identified update) from multiple organizations and anonymously analyze computing system configuration information uploaded from third-party computing systems. An analysis engine monitors compliance information and compare the compliance information against the security rules and / or requirements for one or more enterprise networks. A visualization providing a network map with a visual representation of each product system service system may include communication links between internal applications and / or computing systems and drill-down capability to identify issues as they are occurring or are predicted to occur. The security escrow system may include a mechanism to automatically enable / disable access between third party networks and one or more enterprise computing systems in real-time based on identified compliance information.
Owner:BANK OF AMERICA CORP

A blockchain-based energy security transaction method for internet of vehicles

The present application relates to a kind of blockchain-based vehicle networking energy security transaction method, belong to vehicle networking and distributed energy transaction field.The method aims at solving the problem of fair pricing under asymmetric information, user privacy protection and transaction efficiency.The gist is that: authority issues certificate for vehicle and roadside unit;Vehicle node signs broadcast transaction request;Roadside unit verifies and broadcasts demand and collects response, then triggers smart contract;The contract is based on bayesian Nash equilibrium model, and the optimal equilibrium transaction volume and price are obtained by solving the first-order condition of maximum expected utility, to realize automatic matching;Identity and data privacy are protected by combining ring signature and zero-knowledge proof;Hybrid consensus mechanism is used to improve efficiency;Finally, deposit escrow, settlement and default handling are automatically completed by contract.The method is used to build decentralized, safe and reliable vehicle networking energy transaction market.
Owner:CHONGQING UNIV OF POSTS & TELECOMM

Construction Escrow

PendingPH12025050038A1Mobile appsPayment
A multi-platform escrow system for private construction projects is disclosed, providing robust deposit, verification, and dispute resolution functionalities. The invention integrates various payment methods—including online gateways, bank transfers, manager’s checks, and cash deposits—into a single escrow account. Contractors submit billing documentation through web portals, mobile apps, spreadsheets, or manual means, which a proprietary audit algorithm crossreferences against contractual milestones. The system features conditional disbursement that automatically withholds or releases funds based on compliance, augmented by a dispute resolution mechanism for contested milestones. Designed for nationwide adoption, this invention increases transparency, ensures accurate milestone-based payments, and mitigates the risk of misappropriation within the construction industry.
Owner:ESCROTR ST PRO INC

An intelligent management method for construction machinery lease transaction guarantee fund

This invention discloses an intelligent management method for security deposits in construction machinery leasing transactions, relating to the field of construction machinery leasing security. The method includes: a trading platform intelligently estimating the security deposit amount and automatically generating initial leasing information based on information about the lessee, leasing needs, and the construction machinery equipment; confirmation of the initial leasing information by both the lessor and lessee, and uploading the final leasing information to the trading platform; the trading platform sending the escrow account information to the lessee based on the final leasing information, the lessee paying the security deposit to the escrow account, and the escrow account sending a freeze notification to the trading platform; after the security deposit is frozen, the lessor leasing the corresponding construction machinery equipment to the lessee; and the trading platform confirming the completion of the leasing and sending a release notification to the escrow account, automatically returning the corresponding security deposit to the lessee. This invention achieves intelligent management of security deposits in construction machinery leasing transactions, reducing the dual leasing risks for both the lessor and lessee.
Owner:CHINA RAILWAY FIRST GROUP CO LTD +2

Second-hand goods online transaction system and method

InactiveCN121937190AProduct appraisalTrust certificateUnique identifier
The invention provides a second-hand cargo online transaction system and method. The method comprises the following steps: determining a credible evaluation report; binding the credibility evaluation report with the unique identifier of the second-hand commodity, generating a non-tampering digital credibility certificate, and storing the digital credibility certificate and an out-of-chain storage address index in an alliance chain in an associated manner; when a transaction request is received, providing an estimation confidence interval as a transaction reference based on the digital credible voucher, automatically executing fund trusteeship and on-chain material right circulation record registration after a buyer and a seller confirm a reference opinion, and further generating a new transaction circulation node and writing the new transaction circulation node into a life cycle tracing chain; and when a query request of an authorized user is received, retrieving all transaction transfer nodes in the alliance chain, assembling the transaction transfer nodes to obtain life cycle traceability information, and returning the life cycle traceability information to the authorized user. By adopting the scheme of the invention, full-life-cycle tamper-proof traceability from commodity multi-mode intelligent evaluation to credible automatic transaction execution can be realized.
Owner:GUANGZHOU KUSHANG CULTURE MEDIA TECH CO LTD

Secure Orchestrator for Modular Access (SOMA) for Risk-Conditioned Identity Recovery and Cryptographic Key Rotation

Systems and methods are disclosed for orchestrating sensitive identity actions, including recovery, re-keying, and credential rotation, using risk-conditioned control selection and enforceable authorization gates. A gateway obtains contextual signals, computes a risk output, and selects a discrete policy band specifying required step-up verifications, a quorum threshold t, and a cryptographic profile. When quorum authorization is required, an escrow instance is initiated that stores required step-ups and threshold t, custodians are assigned, and approvals are accepted only from assigned custodians and only upon verifiable step-up satisfaction. Upon quorum satisfaction, the system releases a release value, performs crypto-agile re-keying under classical, hybrid, or post-quantum profiles, and optionally executes a dependency-aware rotation plan with validation and rollback. The system generates decision receipts and audit events binding inputs, policy outputs, approvals, escrow transitions, and resulting actions, with optional integrity protections enabling independent verification and tamper detection.
Owner:NIDAMANOORU SRAVANAKUMAR

Secure reporting operations with multiple data vaults

Secure reporting operations are described that are suitable with multiple data vaults. An escrow service facilitates such reporting operation with a requester data interface to receive a request to perform an operation and to receive requester values from a requester data vault. The operation request identifies the operation and fields of the requester data vault with which to perform the identified operation. A data interface receives transformed values from a partner data vault, the values being transformed using a key. An operation engine establishes the key for the transformation of values from the partner data vault, to perform an operation on the transformed values and the requester values, to compile results of the operation as a report, and to configure the report using the requester values, wherein the requester interface is further to send the report to the requester.
Owner:SKYFLOW INC

System and method for task-based marketplace platform

PCT designated stageWO2026139732A1Computer networkMobile interfaces
The embodiments herein provides a computer-implemented system and method for facilitating on-demand task assignment and management in a distributed network. The system dynamically connects task requesters with service providers through an algorithmic matching engine that evaluates factors such as skills, location, availability, and reputation. A bidding mechanism allows service providers to compete for tasks, while an integrated escrow-based payment system ensures secure transactions. The platform further incorporates a reputation management system with user ratings and verification features to enhance trust and reliability. By automating task posting, matching, scheduling, and payment processing, the invention optimizes efficiency, transparency, and scalability in peer-to-peer task outsourcing. The system is accessible via web and mobile interfaces, enabling real-time coordination between users across diverse geographic locations.
Owner:HOOD SEYEDEH BAHAREH

Digital securitization, obfuscation, policy and commerce of event tickets

The present disclosure provides systems and methods that may convert traditional tickets into secure digital assets protected by cryptographic public / private keys that deploy these tickets on a blockchain. By structuring these tickets as smart digital contracts, such system can act as a self-policing escrow while simultaneously allowing ticket issuers greater control over the tickets after the tickets leave the ticket issuers' possession. The system can incorporate specific capabilities into the digital assets to provide an increased level of multiple ownership, security granularity, and sales restrictions in ticket transactions.
Owner:LIVE NATION ENTERTAINMENT INC

Machine learning evaluation of cryptogrphically signed transactions and asset tokenization

Systems and methods can include a marketplace for securitized intellectual property with tokenization of shares and clearance and settlement of transfers. Tokenization can include maintaining a marketplace for securitized IP, receiving a request from an authorized entity to register a security, and registering the security within the marketplace. Registering can include receiving an escrow account for the security, executing a contract, and generating a number of shares for the security for exchange within the marketplace. Clearance and settlement of transfers can include receiving a trading request, calculating a total price for the trading request, and processing the trading request. Processing can include generating a unique token for the trading request, executing a transfer of the shares from a seller to a clearinghouse application, executing a transfer of currency from a buyer to the clearinghouse application, and executing a transfer of the shares from the clearinghouse application to the buyer.
Owner:APPLIED PHYSICS INC +1

Systems and methods for managing escrow for peer-to-peer transactions

are disclosed. A method may include: receiving, at a payment agreement computer program executed by a backend and from a buyer computer program, a selection of a payment agreement option for a purchase involving a good from a seller; receiving, by the payment agreement computer program and from the buyer computer program, a transaction amount and a seller account identifier; transferring, by the payment agreement computer program, the transaction amount from a buyer account to an escrow account; notifying, by the payment agreement computer program, a seller computer program for the seller that the transaction amount is in the escrow account; receiving, by the payment agreement computer program and from the seller computer program, verification that the transaction amount is correct; and transferring, by the payment agreement computer program, the transaction amount from the escrow account to a seller account.
Owner:JPMORGAN CHASE BANK NA

Security Escrow System

Various aspects of the disclosure relate to enforcing dynamically updated network security policies in real-time (or upon an identified update) from multiple organizations and anonymously analyze computing system configuration information uploaded from third-party computing systems. An analysis engine monitors compliance information and compare the compliance information against the security rules and / or requirements for one or more enterprise networks. A visualization providing a network map with a visual representation of each product system service system may include communication links between internal applications and / or computing systems and drill-down capability to identify issues as they are occurring or are predicted to occur. The security escrow system may include a mechanism to automatically enable / disable access between third party networks and one or more enterprise computing systems in real-time based on identified compliance information.
Owner:BANK OF AMERICA CORP

Prison store cross-network settlement method and system based on shadow order aggregation

PendingCN122312138AInformatizationE-commerce
This application discloses a method and system for cross-network settlement of prison-affiliated purchasing based on shadow order aggregation, relating to the field of prison e-commerce information management. The method includes: obtaining the purchasing needs of detainees within a preset time window and reviewing their account rules; aggregating approved needs by product category to generate a set of shadow orders; screening and scoring external candidate suppliers based on multi-dimensional evaluation indicators and allocating supply shares; generating aggregated cross-network settlement instructions and sending them to the external e-commerce platform via a secure isolation gateway, freezing transaction funds and risk deposits in a virtual escrow account; triggering fund unfreezing after receiving the corresponding share at the prison end, and returning or deducting the deposit according to the confirmation result to complete the settlement. This achieves centralized convergence of cross-network settlement interaction for prison-affiliated purchasing, effectively reducing the risk of exposure of detainees' identity and privacy information, and significantly improving supplier supply collaboration efficiency and risk control capabilities throughout the cross-network settlement process.
Owner:EASY PAY (CHONGQING) TECH CO LTD

Crypto multiple security asset creation and redemption platform

An asset trading system utilizing a distributed ledger and configured to: when a creation request to create a digital fund token representing at least one share of a fund having a plurality of different assets (i) is received, (ii) is electronically signed with a private key associated with a first addressed account, and (iii) indicates a composition of the at least one share of the fund: place the plurality of different assets represented by the at least one share of the fund into an escrow account; create the digital fund token, wherein the digital fund token indicates the composition of the share of the fund; and record the creation of the digital fund token on a distributed ledger.
Owner:TZERO IP LLC

Global liquidity and settlement system

A computer-implemented method for performing a digital currency escrow swap on a network of nodes is disclosed. The method includes placing transfer orders through an intermediate node and sending signed transfer order transactions with digital wallets to an escrow swap node. The method further includes performing a transfer-in order finishing operation by requesting a transfer of digital currency to the escrow swap node and receiving the digital currency via the transfer-in node. For each sell order, digital securities are transferred to the escrow swap node via the transfer-out node. The digital securities are sent from the escrow swap node. For each transfer-out order, the digital currency is sent to the transfer-out node. The method includes an analogous operation to finish a transfer-out order.
Owner:FORGE GLOBAL INC

Global liquidity and settlement system

A computer-implemented method for performing a digital currency escrow swap on a network of nodes is disclosed. The method includes placing transfer orders through an intermediate node and sending signed transfer order transactions with digital wallets to an escrow swap node. The method further includes performing a transfer-in order finishing operation by requesting a transfer of digital currency to the escrow swap node and receiving the digital currency via the transfer-in node. For each sell order, digital securities are transferred to the escrow swap node via the transfer-out node. The digital securities are sent from the escrow swap node. For each transfer-out order, the digital currency is sent to the transfer-out node. The method includes an analogous operation to finish a transfer-out order.
Owner:FORGE GLOBAL INC

Engineering construction project fund trusteeship and payment safety guarantee system

An engineering construction project fund trusteeship and payment safety guarantee system comprises the steps that a double-layer alliance chain network is constructed, multi-source heterogeneous data of an overall planning supervision unit and sub-subunits of a target construction project is collected, and block chain evidence storage operation is carried out; performing three-level dimension subdivision item definition on the total project style of the target construction project, performing time-progress-space-quality composite rule mapping on each subdivision item, and constructing a payment triggering intelligent contract; constructing a quality inspection analysis model, and performing fund demand-progress verification-quality verification three-dimensional linkage verification on fund payment applications of the overall planning supervision unit and the sub-subunits based on the payment triggering intelligent contract and the constructed quality inspection analysis model; and dynamically adjusting the payment triggering smart contract based on the three-dimensional linkage verification result. The system solves the problems of high embezzlement risk, opaque payment, data isolated island and the like in the traditional fund management, is suitable for various engineering construction scenes, guarantees the rights and interests of multiple parties, and improves the supervision efficiency.
Owner:ZHONGCHUANG KETENG INTERNET TECHNOLOGY (SHANGHAI) CO LTD