NFT Ownership Validation for Payment Transaction Blocking

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Solution Overview

Problem

Existing systems struggle to efficiently validate and implement non-fungible token (NFT) ownership for payment transactions, leading to difficulties in ensuring that consumers and merchants can fully utilize NFT-related benefits without significant modifications to existing transaction processes.

Innovation Solution

A processing server maintains links between transaction accounts and NFTs, monitoring ownership changes and applying transaction criteria to authorize or block payments based on NFT ownership, ensuring that only authorized transactions proceed.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If merchants manually track NFT ownership changes, then they can identify applicable NFTs for transactions, but the process requires significant time and computational resources

Engineering Contradiction:

ImproveNFT ownership tracking accuracyVSAvoidTime required for ownership monitoring

Core Design Contradiction:

Measurement precisionVSLoss of time

Solution Approach 1:

The system pre-establishes linkages between transaction accounts and NFTs before transactions occur. The processing server maintains a database of account-NFT associations and proactively monitors ownership changes through blockchain listeners, so that when a transaction is initiated, the validation has already been prepared and the applicable NFT is identified in advance.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system implements continuous feedback loops where the processing server receives real-time notifications from blockchain listeners about ownership changes. This feedback mechanism automatically updates the account-NFT linkage database, ensuring that transaction validation always reflects the current ownership state without requiring manual intervention.

Inventive Principle:

Principle #23Feedback

2Ease of operation

If periodic services are used to track NFT ownership, then merchants can receive ownership change notifications, but the periodic nature allows consumers to exploit delays and requires significant merchant action

Engineering Contradiction:

ImproveMerchant operational burdenVSAvoidTransaction validation reliability

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

The processing server automatically performs all NFT validation operations without requiring merchant intervention. The system self-monitors blockchain ownership changes through listeners, self-updates account-NFT linkages, and self-validates transactions against the current ownership state. Merchants simply initiate transactions while the system handles all NFT-related validation automatically.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system implements continuous monitoring of blockchain ownership changes through persistent listener services that operate without interruption. Rather than periodic checks, the listeners maintain constant connection to the blockchain, ensuring that ownership change notifications are received immediately when they occur, eliminating gaps that could be exploited.

Inventive Principle:

Principle #20Continuity of useful action

3Measurement precision

If a processing server validates NFT ownership for each transaction, then transaction accuracy is improved, but the system complexity increases

Engineering Contradiction:

ImproveTransaction validation accuracyVSAvoidProcessing server system complexity

Core Design Contradiction:

Measurement precisionVSDevice complexity

Solution Approach 1:

The processing server performs multiple functions within a single system: it processes traditional payment transactions, maintains account-NFT linkage databases, operates blockchain listeners for ownership monitoring, and executes validation logic. This multi-functional approach consolidates what could be separate complex systems into one unified platform, reducing overall system complexity while maintaining validation accuracy.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The processing server acts as an intermediary layer between the blockchain network and the traditional payment processing system. It receives ownership change notifications from the blockchain, maintains the account-NFT linkage database, and provides validation services to transaction processors. This intermediary role isolates the complexity of blockchain integration from both the blockchain and payment systems, making the overall architecture more manageable.

Inventive Principle:

Principle #24Intermediary (Mediator)

Data Source

PatentUS20250390861A1Method and system for non-fungible token validation for enabling payment account transaction blocking

Publication Date: 2025.12.25 MASTERCARD INT INC

AI summary

A method for account and transaction blocking for payment transactions using validation of non-fungible tokens includes: storing a token profile associated with a non-fungible token including a token identifier and transaction criteria; storing an account profile including an account identifier, a payment account number associated with a transaction account, and a wallet identifier associated with a blockchain wallet; receiving an authorization request for a payment transaction including the payment account number and transaction data values; determining that the transaction data values satisfy the transaction criteria; determining if the blockchain wallet has ownership of the non-fungible token; and processing the payment transaction, where processing the payment transaction comprises returning an authorization response indicating decline of the payment transaction if the blockchain wallet does not have ownership of the non-fungible token, or forwarding the authorization request if the blockchain wallet does to have ownership of the non-fungible token.