IP Library Granted Patent US 12675790
Granted Patent B2
US 12675790 · App. 18/407,937 · Granted Jul 7, 2026

Systems and methods for validating transactions

Inventors: Kevin Osborn (Newton Highlands, MA); Srinivasa Chigurupati (Long Grove, IL); John Jones (Leesburg, VA)
Assignee: Capital One Services, LLC
G06Q20/401G06Q20/3825G06Q20/3827G06Q20/3829G06Q2220/00
View Patent ↗
Loading inventors, assignments & file history…
Monitor This Case
Get email alerts when status or documents change.
Order Certified Copies
Most orders are placed with the USPTO same day — all within 24 business hours.
Order via The Patent Place →
Pre-filled with this patent's details
Quick Facts
Patent No.
US 12675790
App. No.
18/407,937
Granted
Jul 7, 2026
Kind
B2
Abstract

Systems and methods of validating transactions are provided. An exemplary system includes a server including a memory and a processor. The server is configured to: receive from an entity a transaction validation request of validating a transaction; validate the transaction; generate a logging record of the transaction validation; cryptographically hash the logging record to create a hashed logging record; digitally sign the hashed logging record using a key to create a signed hashed logging record; and transmit the signed hashed logging record to a computer device.

Claims (41)

1 . A system for validating transactions, comprising a server including a memory and a processor, wherein the server is configured to:

receive, from a second device, a transaction validation request of validating a transaction;

validate the transaction;

generate a logging record of the transaction validation;

cryptographically hash the logging record to create a hashed logging record;

assemble a public key from one or more parts of the public key;

digitally sign the hashed logging record using the public key to create a signed hashed logging record; and

transmit, to a first device, the signed hashed logging record.

2 . The system according to claim 1 , wherein the public key is obfuscated.

3 . The system according to claim 1 , wherein the public key is managed by a hardware security module of the server.

4 . The system according to claim 1 , wherein an entity digitally signs the hashed logging record using the public key by accessing the server.

5 . The system according to claim 1 , wherein the logging record comprises a monotonically increasing sequence number.

6 . The system according to claim 1 , wherein the logging record comprises a hash of hashes of previous logging records.

7 . The system according to claim 1 , wherein the signed hashed logging record is transmitted to the first device in real time.

8 . The system according to claim 2 , wherein the public key is obfuscated in the code of a transaction validation service.

9 . A method for validating transactions performed by a server, comprising:

receiving, from a second device, a transaction validation request of validating a transaction;

validating the transaction;

generating a logging record of the transaction validation;

cryptographically hashing the logging record to create a hashed logging record;

assembling a public key from one or more parts of the public key;

digitally signing the hashed logging record using the public key to create a signed hashed logging record; and

transmitting, to a first device, the signed hashed logging record.

10 . The method according to claim 9 , wherein the signed hashed logging record is transmitted to the first device in batch.

11 . The method according to claim 9 , wherein the signed hashed logging record is transmitted to the first device through file logging service.

12 . The method according to claim 9 , wherein the signed hashed logging record is transmitted to the first device through a messaging service.

13 . The method according to claim 9 , wherein the server is further configured to generate a heartbeat-patterned message to monitor runtime of the server.

14 . The method according to claim 13 , wherein the heartbeat-patterned message comprises timestamps indicating a time interval.

15 . The method according to claim 9 , wherein the logging record comprises an event identity, event type information, a timestamp, and event details.

16 . A non-transitory, computer-readable medium comprising instructions for validating transactions that, when executed on a computer arrangement, cause the computer arrangement to perform actions comprising:

receiving, from a second device, a transaction validation request of validating a transaction;

validating the transaction;

generating a logging record of the transaction validation;

cryptographically hashing the logging record to create a hashed logging record;

assembling a public key from one or more parts of the public key;

digitally signing the hashed logging record using the public key to create a signed hashed logging record; and

transmitting, to a first device, the signed hashed logging record.

17 . The non-transitory, computer-readable medium according to claim 16 , wherein the public key is managed by a hardware security module.

18 . The non-transitory, computer-readable medium according to claim 16 , wherein the logging record comprises an event identity, event type information, a timestamp, and event details.

19 . The non-transitory, computer-readable medium according to claim 16 , wherein the logging record comprises a hash of hashes of previous logging records.

20 . The non-transitory, computer-readable medium according to claim 16 , wherein the actions further comprises generating a heartbeat-patterned message.