E-Check Clearance Platform Using Biometric NFTs and DHT

Solution Overview

Problem

Existing e-check transaction processing methods require disparate authorization protocols based on various transaction parameters, lacking a universal and secure biometric authorization solution.

Innovation Solution

A universal e-check clearance platform that uses biometric markers, non-fungible tokens (NFTs), and distributed hash tables (DHTs) to secure and expedite e-check processing by validating biometric inputs and mapping them to e-check data within a secure network.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If disparate authorization protocols are used for different transaction parameters, then various transaction types can be processed, but the system complexity increases and processing efficiency decreases

Engineering Contradiction:

Improvetransaction processing capabilityVSAvoidauthorization protocol complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent implements a universal biometric authorization protocol that works across all transaction types (consumer/corporate, credit/debit, telephone/web-based) through a single standardized interface. The biometric marker system serves multiple functions: authentication, transaction linking, and fraud prevention, eliminating the need for separate authorization protocols for different transaction parameters.

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Reliability

If traditional e-check processing methods are used, then existing systems can be maintained, but security vulnerabilities and processing delays persist

Engineering Contradiction:

Improvesystem stabilityVSAvoidsecurity risks

Core Design Contradiction:

ReliabilityVSObject-affected harmful factors

Solution Approach 1:

The system performs preliminary biometric authentication and creates biometric markers before the actual e-check processing occurs. The biometric data is captured, processed into a marker, and stored in the distributed hash table in advance, so that during transaction processing, only verification is needed rather than full authentication, both speeding up processing and enhancing security.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent introduces biometric markers as an intermediary between the user and the e-check processing system. These markers serve as secure tokens that mediate authentication and transaction verification, replacing direct credential verification and reducing security risks associated with traditional authentication methods.

Inventive Principle:

Principle #24Intermediary (Mediator)

3Reliability

If biometric authentication is implemented universally, then security is improved, but processing time may increase due to additional validation steps

Engineering Contradiction:

Improveauthorization securityVSAvoidtransaction processing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary biometric authentication and creates biometric markers before the actual e-check processing occurs. The biometric data is captured, processed into a marker, and stored in the distributed hash table in advance, so that during transaction processing, only verification is needed rather than full authentication, both speeding up processing and enhancing security.

Inventive Principle:

Principle #10Preliminary action

4Reliability

If NFT and DHT technologies are integrated, then security and processing speed are improved, but system complexity increases

Engineering Contradiction:

Improveclearance securityVSAvoidsystem architecture complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent introduces biometric markers as an intermediary between the user and the e-check processing system. These markers serve as secure tokens that mediate authentication and transaction verification, replacing direct credential verification and reducing security risks associated with traditional authentication methods.

Inventive Principle:

Principle #24Intermediary (Mediator)

Applied Scientific Principles

This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.

Function Achieved in This Case

The solution enhances security and processing speed by integrating NFT and DHT technologies, providing a secure, scalable, and efficient e-check clearance system resistant to hacking and capable of completing transactions within seconds.

Implementation Method 1

The platform may watermark the uploads using wavelet transforms

Methodology Applied

Scientific EffectWavelet transform:

Data Source

PatentUS12265964B2Secure electronic check (e-check) clearance platform with integrated distributed hash table

Publication Date: 2025.04.01 BANK OF AMERICA CORP

AI summary

Systems, methods, and apparatus are provided for expedited e-check processing via a universal clearance platform. In response to e-check initiation, a captured biometric marker may be uploaded to the clearance platform along with the e-check data. The platform may mint the biometric marker and e-check data as NFTs. The platform may insert the NFTs as a key-value pair in an integrated DHT. The biometric marker may be the key and the e-check data may be stored as the corresponding value. The platform may validate the key against previously captured biometric information and map the validated key to the corresponding value via an overlay network associated with the DHT. The platform may validate the retrieved e-check data against a previously captured transaction history to clear the e-check. In response to e-check clearance, the platform may route the e-check data to the ACH network to complete the transfer.