Patent SG-11201811426U-A (SG)
Title: Distributed electronic record and transaction history
Inventor: WANG QUAN
IPC: H04L9/32
Filed: 2016-09-27
Abstract: INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property :::` , 111111111111111111 1111111111011111010011101111111111101111001111111110111111111111 Organization International Bureau (10) International Publication Number 03 (43) International Publication Date ......°' WO 2018/063167 Al 05 April 2018 (05.04.2018) WIP0 I PCT (51) International Patent Classification: (74) Agent: BOUQUET, Bert, E. et al.; Kilpatrick, Townsend HO4L 9/32 (2006.01) & Stockton LLP, Mailstop IP Docketing - 22, 1100 (21) Peachtree Street, Suite 2800, Atlanta, Georgia 30309 (US). International Application Number: PCT/US2016/054023 (81) Designated States (unless otherwise indicated, for every (22) International Filing Date: kind of national protection available): AE, AG, AL, AM, 27 September 2016 (27.09.2016) AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, (25) Filing Language: English DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, (26) Publication Language: English HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, (71) Applicant: VISA INTERNATIONAL SERVICE MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, ASSOCIATION [US/US]; P.O. Box 8999, M1-11F, San PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, Francisco, California 94128-8999 (US). SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (72) Inventors: WANG, Quan; 1110 Decatur Street, Foster City, California 94404 (US). BHATT, Slily; 1 Market (84) Designated States (unless otherwise indicated, for every Place, Suite 600, San Francisco, California 94105 (US). kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, (54) Title: DISTRIBUTED ELECTRONIC RECORD AND TRANSACTION HISTORY 514 BLOCKNAIN 512 IMO 1 6 508 518 al 514 514 504 502 520 LIFER KEY II .% 506 510 I I I 508 522 514 524 • I 508 526 FIG. 5 (57) : Described herein is a system in which an electronic record is stored on a distributed environment. In this system, a IN computing entity that receives an action request with respect to an account may receive or generate an electronic identifier for that account. The computing entity may then identify an electronic record comprising a number of interaction records related to the electronic 1-1 en identifier within the distributed environment. The computing entity is then able to request account-specific information directly from .C> an originating entity for each of the interaction records. In some embodiments, the computing entity may separately determine a level 0 --.... of trust to be associated with each originating entity. In some embodiments, the computing entity may determine a risk level to be GC associated with an action indicated in the action request based on the received account-specific information. 1-1 0 N C [Continued on next page] WO 2018/063167 Al MIDEDIMOMMIDIIMERION10110110MIIMERVOIS UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Published: — with international search report (Art. 21(3))