# US 11,121,989 B1 · Centralized repository and communication system for cross-network interactions > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 11,121,989 B1 - Document ID: US11121989B1 - Status: Granted - Kind: B1 - Application number: 16/887,181 - Filed: 2020-05-29 - Granted: 2021-09-14 - Earliest claimed: 2020-05-29 - Assignees: Bank of America Corporation - Applicants: Bank of America Corporation - Inventors: Joseph Benjamin Castinado; Sandeep Kumar Chauhan; Charles Russell Kendall; Yash Sharma - Web page: https://patentgrep.com/patent/US11121989B1 ## CPC - H04L 51/04: Real-time or near real-time messaging, e.g. instant messaging [IM] - H04L 9/3226: {using a predetermined code, e.g. password, passphrase or PIN (network architectures or network communication protocols for supporting authentication of entities using passwords in a packet data network H04L63/083)} - H04L 9/3239: {involving non-keyed hash functions, e.g. modification detection codes [MDCs], MD5, SHA or RIPEMD} - H04L 51/56: Unified messaging, e.g. interactions between e-mail, instant messaging or converged IP messaging [CPM] - H04L 67/52: specially adapted for the location of the user terminal - H04L 9/50: {using hash chains, e.g. blockchains or hash trees} - H04L 2209/56: Financial cryptography, e.g. electronic payment or e-cash - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract A cross-network interaction network for allowing cross-network real-time validation and interactions. The cross-network interaction network is set-up as a central location for managing interactions with resource exchanges between different real-time interaction networks. The real-time interaction networks are separate self-contained networks located within an area (e.g., country, or the like) or between different areas (e.g., different countries, or the like). Each self-contained real-time interaction network may have different systems, applications, processes, or the like that prevents the real-time interaction networks from allowing interactions outside of the real-time interaction networks. Consequently, the cross-network interaction network may set-up and utilize a messaging system, a clearing system, and/or a repository system to facilitate the interactions across the different real-time interaction networks. ## Claims ### Claim 1 A cross-network interaction system for exchanging resources between real-time interaction networks, the system comprising: one or more memory devices storing computer-readable code; and one or more processing devices operatively coupled to the one or more memory devices, wherein the one or more processing devices are configured to execute computer-readable program code to: receive interaction information from an entity regarding an interaction, wherein the interaction comprises an exchange of resources from a distributing entity to a receiving entity for the interaction, wherein the entity is the receiving entity or the distributing entity, and wherein the distributing entity belongs to a first real-time interaction network and the receiving entity belongs to a second real-time interaction network; transfer resources from a first resource pool of the first real-time interaction network to a second resource pool of the second real-time interaction network; settle the interaction between the first real-time interaction network and the second real-time interaction network, and wherein the resources are exchanged and the interaction is settled using a receiving entity alias of the receiving entity and a distributing entity alias of the distributing entity; receive a request from the entity to become a member of an additional real-time interaction network; identify one or more real-time interaction networks from a plurality of real-time interaction networks to which the entity belongs; provide entity information of the entity from the one or more real-time interaction networks to the additional real-time interaction network for which the entity wants to belong for verification of the entity; and receive a notification from the additional real-time interaction network that the entity has been added to the additional real-time interaction network. ### Claim 2 (depends on 1) The system of claim 1, wherein the receiving entity selects the second real-time interaction network to receive the resources from the plurality of real-time interaction networks for which the receiving entity belongs. ### Claim 3 (depends on 1) The system of claim 1, wherein the distributing entity selects the first real-time interaction network from which to send the resources from the plurality of real-time interaction networks for which the distributing entity belongs. ### Claim 4 (depends on 1) The system of claim 1, wherein the first real-time interaction network is in a first country and wherein the second real-time interaction network is in a second country. ### Claim 5 (depends on 1) The system of claim 1, wherein the first real-time interaction network has a first repository system, a first clearing system, and a first messaging system, and wherein the second real-time interaction network has a second repository system, a second clearing system, and a second messaging system, and wherein the system has one or more application processing interfaces (APIs) to communicate with the first repository system, the first clearing system, the first messaging system, the second repository system, the second clearing system, and the second messaging system. ### Claim 6 (depends on 1) The system of claim 1, further comprising one or more cross-network clearing systems to hold the resources for the plurality of real-time interaction networks. ### Claim 7 (depends on 6) The system of claim 6, wherein the first resource pool holds first resources for the first real-time interaction network and the second resource pool holds second resources for the second real-time interaction network within the one or more cross-network clearing systems, and wherein the system facilitates the exchange of the resources between the first resource pool and the second resource pool. ### Claim 8 (depends on 6) The system of claim 6, wherein the first resource pool is a first virtual resource pool and the second resource pool is a second virtual resource pool, and the resources are held within a clearing resource pool within the one or more cross-network clearing systems. ### Claim 9 (depends on 1) The system of claim 1, further comprising a cross-network repository system for storing a plurality of entities, the plurality of real-time interaction networks on which the plurality of entities are members, and a plurality of aliases for the plurality of entities. ### Claim 10 (depends on 9) The system of claim 9, wherein the entity of the plurality of entities utilizes different aliases for at least two of the plurality of real-time interaction networks on which the entity belongs. ### Claim 11 (depends on 9) The system of claim 9, wherein the entity on a real-time interaction network searches the cross-network repository system to identify an opposing entity on a different real-time interaction network. ### Claim 12 (depends on 1) The system of claim 1, further comprising a cross-network messaging system for allowing messages for interactions between the plurality of real-time interaction networks. ### Claim 13 (depends on 1) The system of claim 1, wherein the entity information comprises one or more aliases of the entity for the one or more real-time interaction networks to which the entity belongs. ### Claim 14 A computer-implemented method for exchanging resources between real-time interaction networks using a cross-network interaction system, the computer-implemented method comprising: receiving, by one or more processors, interaction information from an entity regarding an interaction, wherein the interaction comprises an exchange of resources from a distributing entity to a receiving entity for the interaction, wherein the entity is the receiving entity or the distributing entity, and wherein the distributing entity belongs to a first real-time interaction network and the receiving entity belongs to a second real-time interaction network; transferring, by the one or more processors, the resources from a first resource pool of the first real-time interaction network to a second resource pool of the second real-time interaction network; settling, by the one or more processors, the interaction between the first real-time interaction network and the second real-time interaction network; wherein the resources are exchanged and the interaction is settled using a receiving entity alias of the receiving entity and a distributing entity alias of the distributing entity; receiving, by the one or more processors, a request from the entity to become a member of an additional real-time interaction network; identifying, by the one or more processors, one or more real-time interaction networks from a plurality of real-time interaction networks to which the entity belongs; providing, by the one or more processors, entity information of the entity from the one or more real-time interaction networks to the additional real-time interaction network for which the entity wants to belong for verification of the entity; and receiving, by the one or more processors, a notification from the additional real-time interaction network that the entity has been added to the additional real-time interaction network. ### Claim 15 (depends on 14) The method of claim 14, wherein the first real-time interaction network has a first repository system, a first clearing system, and a first messaging system, and wherein the second real-time interaction network has a second repository system, a second clearing system, and a second messaging system, and wherein the cross-network interaction system has one or more application processing interfaces (APIs) to communicate with the first repository system, the first clearing system, the first messaging system, the second repository system, the second clearing system, and the second messaging system. ### Claim 16 (depends on 14) The method of claim 14, wherein the cross-network interaction system further comprises one or more cross-network clearing systems to hold the resources for the plurality of real-time interaction networks. ### Claim 17 (depends on 14) The method of claim 14, wherein the cross-network interaction system further comprises a cross-network repository system for storing a plurality of entities, the plurality of real-time interaction networks on which the plurality of entities are members, and a plurality of aliases for the plurality of entities. ### Claim 18 (depends on 14) The method of claim 14, wherein the cross-network interaction network further comprises a cross-network messaging system for allowing messages for interactions between the plurality of real-time interaction networks. ### Claim 19 A computer program product for exchanging resources between real-time interaction networks, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising: an executable portion configured to receive interaction information from an entity regarding an interaction, wherein the interaction comprises an exchange of resources from a distributing entity to a receiving entity for the interaction, wherein the entity is the receiving entity or the distributing entity, and wherein the distributing entity belongs to a first real-time interaction network and the receiving entity belongs to a second real-time interaction network; an executable portion configured to transfer the resources from a first resource pool of the first real-time interaction network to a second resource pool of the second real-time interaction network; an executable portion configured to settle the interaction between the first real-time interaction network and the second real-time interaction network, wherein the resources are exchanged and the interaction is settled using a receiving entity alias of the receiving entity and a distributing entity alias of the distributing entity an executable portion configured to receive a request from the entity to become a member of an additional real-time interaction network; an executable portion configured to identify one or more real-time interaction networks from the plurality of real-time interaction networks to which the entity belongs; an executable portion configured to provide entity information of the entity from the one or more real-time interaction networks to the additional real-time interaction network for which the entity wants to belong for verification of the entity; and an executable portion configured to receive a notification from the additional real-time interaction network that the entity has been added to the additional real-time interaction network.