Patent ID: 11900380
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 10:
11. A system comprising:
a validation node server comprising:
one or more processors; and
a memory including instructions that, when executed by the one or more processors, cause the validation node server to:
receive, from an acceptance node server, a transaction information for a transaction conducted between the acceptance node server and a user, the transaction information including at least user information and transaction details;
identify, based on the user information, a blockchain associated with the transaction;
generate a transaction record based at least in part on the transaction information;
append the transaction record to the blockchain;
generate a signature by:
generating a first hash of at least a portion of the user information;
generating a second hash of at least a portion of the transaction details;
combining the first hash and the second hash into a text string,
wherein combining the first hash and the second hash comprises concatenating the first hash and the second hash;
hashing the text string to form a third hash, the third hash being a derivative of the text string; and
signing the derivative of the text string, using a private key associated with the validation node server to form the signature; and

attach the signature to the transaction record that is appended the blockchain to update the blockchain,
wherein the blockchain is a ledger storing information regarding transactions conducted between one or more acceptance nodes and the user; and
send to the one or more acceptance nodes that are associated with one or more resource providers computers, the updated blockchain; and
the one or more resource provider computers each comprising a processor and a memory including instructions that, when executed by the processor, cause the one or more resource provider computers to:
verify a second transaction with the user based on the information stored in the updated blockchain;
determine a level of risk associated with the second transaction; and
determine whether to conduct the second transaction based on the determined level of risk.