52 results about "Escrow" patented technology

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.

The present invention discloses a blockchain-integrated financial reputation scoring system designed to assess financial credibility within decentralized ecosystems. The system generates a dynamic accountability score based on blockchain transactions, including escrow payments, invoice completions, smart contract interactions, DeFi transactions, NFT trading, and cross-chain financial activities. A risk-adaptive score weighting system dynamically adjusts the impact of financial behaviors based on transaction risk, counterparty trustworthiness, and historical financial patterns. The score is leveraged for tiered access to financial products, lending, and collateral adjustments. AI-enhanced anomaly detection prevents fraudulent score inflation, while privacy-preserving verification ensures secure reputation authentication. The system further extends into insurance underwriting, compliance verification (AML / KYC), and financial access expansion, allowing traditional institutions to assess blockchain-based creditworthiness. Quantum-resistant cryptographic techniques secure reputation data, ensuring trust and adaptability in both decentralized and traditional financial ecosystems.

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.

The present invention provides a method and system for an online marketplace designed for the resale of event tickets. This method includes the operation of a computer server managing an accessible online platform, featuring an interactive event venue map segmented into sections and rows. It enables sellers to list tickets with desired prices and buyers to submit purchase offers for specific rows or entire sections, without the need for exact seat identification. Secure transactions are facilitated through an integrated escrow service, and the platform provides sorting and filtering functions to organize listings and offers.

A system for enabling escrow-free, secure, and convenient atomic asset swaps between blockchains are provided. In detail, when any group of users reach an agreement on the content of cross-chain asset swap transactions, each participant creates an individual signature on the content of each transaction, employs a reversible signature aggregate function to produce an aggregate signature from all his / her individual signatures, and optionally generates a proof to prove the relationship between the aggregated signature and the transaction contents. Sequentially, all the participants exchange these aggregated signatures and optional proofs. Once a participant publishes one of his / her individual signature, the other parties can use both signatures—one from the sender and the other from the recipient—to construct a complete transaction. Once a transaction is broadcast, its corresponding transactions are constructed, and broadcast. Upon all transactions being confirmed by the blockchain nodes or miners, the asset swap between participants is completed.

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.

Provided herein is a method for processing a split transaction, including generating or accessing an MPQR code, enumerating the transactors, assigning a split payment amount to each transactor, displaying the MPQR code in a scannable location, scanning the MPQR code by a mobile computing device of each transactor, generating a personalized visual representation of the MPQR code for each transactor and displaying it on their mobile devices with a hyperlink to that transactor's payment processing site, debiting the split payment from each transactor, holding in escrow the split payments until the transactors collectively remit the total transaction amount, and, after the transactors have collectively remitted the total transaction amount, transferring the split payments to the merchant.

In some embodiments thereof, the present invention discloses systems and methods for facilitating secure peer-to-peer transactions between a buyer and seller using an intelligent escrow service. In one aspect, transactions are initiated on the platform specifying transaction details. Funds are held in a temporary escrow account and released upon fulfillment of transaction terms. In one aspect, the escrow amount may be dynamically determined using predictive algorithms analyzing factors like user profiles, location, and transaction history. Upon delivery confirmation by the buyer, funds are released to the seller as fulfillment is validated. In one aspect, mediation services using trained machine learning algorithms aid dispute resolution by processing details of issues to provide recommended solutions. The platform provides end-to-end transaction security tailored for direct P2P payments, enhancing trust and accountability without third-party intermediaries. By leveraging artificial intelligence and machine learning capabilities, the invention uniquely combines escrow services, transaction protection, and intelligent dispute resolution for frictionless P2P transactions.

The invention provides a project fund supervision method which can be applied to the technical field of block chains. The project fund supervision method is applied to a supervision system based on a block chain, the block chain comprises a plurality of nodes, the nodes at least comprise a supervisor node, a fund hosting node, a project establishment party node, a project owner node and a project owner representative node, and the project fund supervision method comprises the following steps: responding to a fund payment request operation; calling a preset smart contract to perform first verification on the fund payment request; after the first verification is passed, calling a preset risk identification model to carry out second verification on the fund payment request; and performing payment operation based on the second verification result. The invention further provides a project fund supervision system and device, a storage medium and a program product.

A method and a managing module “MM” (110) for managing an escrow payment service for purchases in a store of a vendor. The MM (110) receives purchase information comprising an identity of the vendor, an identity of a customer, a price, an offer specification and a condition. The MM (110) stores the identity of the vendor, the identity of the customer, the price and the offer specification. The MM (110) stores the respective number of the vendor and the customer and the condition in a smart contract on a blockchain (130). The MM (110) sends a request for acceptance of the smart contract and receives a response for accepting the smart contract. The MM (110) sets a state of the smart contract to accepted. The MM (110) sends a transaction request. The MM (110) stores the transaction identity in the smart contract. The MM (110) receives a transaction response indicating that the temporary credit card holds the funds corresponding to the price. The MM (110) stores, in the smart contract, an indication of that the transaction is completed. The MM (110) sends, to the server (111) and the user device (120), a notification confirming successful payment and login details for access to list of transactions of the smart contracts smart contract. The MM (110) checks the conditions of the smart contract to obtain an answer indicating fulfilment or non-fulfilment of the conditions. The MM (110) sets the state of the smart contract to completed or rejected. A corresponding computer program (403) and a computer program carrier (405) are also disclosed.

Systems and methods for a secure cross-chain atomic swaps are disclosed herein. A user submits to a swap platform a signed limit order to atomically swap an amount of input token for an output token. The swap may involve a Dutch auction approach, in which the order execution price depends on time of inclusion in a block and decreases over the duration of the Dutch auction. The swap platform provides the order details to whitelisted resolvers to evaluate if / when / how to fill the order. Once a resolver makes that determination, it can utilize smart contracts associated with the swap platform to perform the atomic swap on behalf of the user and itself (e.g., without active involvement of the user). Input tokens deposited on an escrow contract are unlocked at the same time that output tokens deposited on another escrow contract are unlocked.

Systems, methods and computer-readable storage media utilized to create and perform an automated escrow contract on a distributed ledger network. One method comprises creating, by a first user of the distributed ledger network, the automated escrow contract on the distributed ledger network by providing contract information specifying an offer. The method further comprises accepting, by a second user of the distributed ledger network, the offer by providing a payment amount of a digital currency unit to the automated escrow contract on the distributed ledger network. The method further comprises confirming, by the second user, that the automated escrow contract has been completed. The method further comprises releasing, by the automated escrow contract, the payment amount of the digital currency unit from the second user to the first user.

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.

The invention relates to a C2C closed-loop job-hunting and recruitment matching and transaction guarantee platform based on a content label algorithm, and belongs to the technical field of internet recruitment. The core innovation points comprise: 1, a decentralized matching mechanism; 2, dynamic interest tags are generated from user contents and behaviors through NLP and reinforcement learning (DQN); and 3, forbidding the paid promotion / VIP authority, and realizing fair matching only based on the label similarity and the historical evaluation weight. 4, a block chain enabled transaction closed loop; 5, a labor order model is created for the first time: two parties negotiate for pricing, a block chain labor contract is signed, and a recruiter pre-stores a period salary to a bank escrow account; and 6, after the labor cycle is finished, dynamically settling the salary according to the actual performance data (the platform automatically transfers the actual salary and returns the remaining money). 7, the evaluation-flow linkage feedback system performs bidirectional mutual evaluation on the data encryption uplink, and the evaluation weight is directly associated with the subsequent exposure priority of the user; and when the difference evaluation rate exceeds a threshold value, automatically triggering the account to drop the right or freeze. The technical effects are as follows: (1) the matching fairness is improved (test shows that the Gini coefficient is reduced by 65%); (2) the salary dispute rate is reduced to 1.5% or below; and (3) the commercialization whole-process supervision of the talent market is realized.

Systems and methods for a secure cross-chain atomic swaps are disclosed herein. A user submits to a swap platform a signed limit order to atomically swap an amount of input token for an output token. The swap may involve a Dutch auction approach, in which the order execution price depends on time of inclusion in a block and decreases over the duration of the Dutch auction. The swap platform provides the order details to whitelisted resolvers to evaluate if / when / how to fill the order. Once a resolver makes that determination, it can utilize smart contracts associated with the swap platform to perform the atomic swap on behalf of the user and itself (e.g., without active involvement of the user). Input tokens deposited on an escrow contract are unlocked at the same time that output tokens deposited on another escrow contract are unlocked.

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.

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.

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.

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.

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.

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.

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.

According to an aspect of the present invention, there is a provided computer-implemented method of electronically reserving a product or service, comprising: receiving, at a product or service provider electronic device, reservation pricing information for one or more products or services; presenting, at a customer electronic device, the reservation pricing information; receiving, at the customer electronic device, a selection of one or more of the one or more products or services to be reserved; receiving, at the customer electronic device, payment information; executing a payment transaction based on the payment information; notifying the product or service provider electronic device of the payment; and performing one or more of holding the payment amount in escrow and transferring some or all of the payment amount to the product or service provider cryptocurrency-related account, checking, savings, or debit transaction account, credit transaction account, and / or e-wallet and the like accounts.

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.

To perform transaction guarantee between a block chain for NFT and a block chain for settlement with a combination of both block chains made dynamically settable.SOLUTION: A cross chain escrow 5 for performing transaction guarantee about NFT transfer and settlement of a cryptographic asset is provided, the cross chain escrow 5 receives an exhibition request for NFT to a market 4 from an exhibitor 2, the NFT is deposited to an escrow operator in a block chain for NFT 6, a purchase request for NFT is received from a purchaser 3, a cryptographic asset corresponding to a counter value of NFT is deposited to the escrow operator on a block chain for settlement 7, the deposited NFT is transferred to the purchaser 3 on the block chain for NFT 6, and the deposited cryptographic asset is transferred to the exhibitor 2 on the block chain for settlement 7.SELECTED DRAWING: Figure 1

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.

Systems and methods for provisioning escrow and securing purchases can include receiving first encrypted data from a first contactless card of a seller, decrypting the first encrypted data to authenticate the first contactless card, identifying information of the seller, and responsive thereto, offering an item for sale at a purchase price via an online platform. To purchase the item for sale, second encrypted data can be received from a second contactless card of a buyer two times. First, the second encrypted data can be decrypted to authenticate the second contactless card, information of the buyer can be identified, and responsive thereto, an amount of money equal to the purchase price can be retrieved from the buyer and placed in an escrow account. Second, the second encrypted data can be decrypted to authenticate the second contactless card, and the money in the escrow account can be released to the seller.

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.

The present invention discloses a fund escrow transaction method and system, which relates to the field of secure transactions. The method includes: a fund escrow terminal authorizing and agreeing to transfer agreed funds from a payer's account to a fund escrow account and locking the funds based on a transfer request from a payer's terminal; based on the agreed service execution status and after completion, the fund escrow terminal unlocks the agreed funds in the fund escrow account according to an unlocking request from the payer's terminal; and the fund escrow terminal transferring the unlocked funds in the fund escrow account to the payee's account based on a payment request from a payee's terminal. The present invention implements fund escrow through the fund escrow terminal, does not require the involvement of a third-party financial institution, has a simple and convenient process, can effectively ensure the normal progress of transactions, and avoid disputes.

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.