# US 12,008,564 B2 · Distributed ledger core > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,008,564 B2 - Document ID: US12008564B2 - Status: Granted - Kind: B2 - Application number: 18/166,870 - Filed: 2023-02-09 - Published: 2023-06-15 - Granted: 2024-06-11 - Earliest claimed: 2020-08-28 - Assignees: JPMorgan Chase Bank, N.A. - Applicants: Jpmorgan Chase Bank, N.A. - Inventors: Michael Bellamy; Lawrence Charles Drake; Debidutta Pruthibiraj Samantaray; Raunak Rajpuria; Naveen Mallela; Samer Falah; Sai Murali Krishna Valiveti - Web page: https://patentgrep.com/patent/US12008564B2 ## CPC - G06Q 20/36: using electronic wallets or electronic money safes - G06Q 20/389: {Keeping log of transactions for guaranteeing non-repudiation of a transaction} - G06F 9/547: {Remote procedure calls [RPC]; Web services} - G06F 16/27: Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor - G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] - G06Q 20/4037: {Remote solvency checks} - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q 2220/00: Business processing using cryptography - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) ## Abstract Distributed ledger cores are disclosed. A method for interacting with a distributed ledger core may include: (1) a distributed banking ledger in a blockchain-based distributed ledger system receiving a transaction request for a transaction from a client system; (2) a smart contract creating a pending transaction; (3) the smart contract sending a posting request for the pending transaction to a ledger interoperability service; (4) the posting generation service generating accounting movements for the transaction; (5) the posting execution service posting the accounting movements and providing posting details to the ledger interoperability service; (6) validating the posting details with a data services module; (7) the smart contract receiving a posting validation complete notification from the posting execution service via the ledger interoperability service; (8) the smart contract settling the transaction on the distributed banking ledger by writing the transaction as a new block to the distributed banking ledger. ## Claims ### Claim 1 A method for interacting with a distributed ledger core, comprising: receiving, at a distributed banking ledger in a blockchain-based distributed ledger system, a transaction request for a transaction involving an off-chain account on an off-chain core banking ledger from a client system for a client; creating, by a smart contract executed on the distributed banking ledger, a pending transaction for the transaction on the distributed banking ledger; sending, by the smart contract, a posting request for the pending transaction to a ledger interoperability service, wherein the ledger interoperability service facilitates interactions between the distributed banking ledger and the off-chain core banking ledger; generating, by a posting generation service, accounting movement instructions for the transaction; posting, by a posting execution service, the accounting movement instructions to the off-chain account on the off-chain core banking ledger and providing posting details to the ledger interoperability service; settling, by the smart contract, the transaction on the distributed banking ledger by writing the transaction as a new block to the distributed banking ledger; generating, by the posting execution service, a transaction request complete posting; executing, by the posting generation service, the transaction request complete posting and returning a transaction complete posting to the distributed banking ledger via the ledger interoperability service; and sending, by the smart contract, a completion notification to the client system. ### Claim 2 (depends on 1) The method of claim 1, wherein the transaction comprises a deposit, a transfer, or a withdrawal. ### Claim 3 (depends on 1) The method of claim 1, wherein the posting request identifies a plurality of accounts involved in the transaction, a posting/value date, a currency for the transaction, and/or an amount of the transaction. ### Claim 4 (depends on 1) The method of claim 1, wherein the pending transaction indicates restricts the transaction until the transaction request complete posting is received. ### Claim 5 (depends on 1) The method of claim 1, wherein the ledger interoperability service, the posting generation service, and/or the posting execution service validates an existence of an account involved in the transaction and/or a balance of the account. ### Claim 6 (depends on 1) The method of claim 1, wherein the step of settling the transaction on the distributed banking ledger comprises crediting or increasing a balance of an on-chain account for the client using an off-chain account as a source for a deposit transaction, or debiting or decreasing the balance of the on-chain account for the client using the off-chain account as a target for a withdrawal transaction. ### Claim 7 (depends on 1) The method of claim 1, wherein the step of settling the transaction on the distributed banking ledger comprises moving funds from a first on-chain account to a second on-chain account by debiting or decreasing a balance of the first on-chain account and crediting or increasing the balance of the second on-chain account for a transfer transaction. ### Claim 8 A distributed ledger core system, comprising: a blockchain-based distributed ledger system comprising: a distributed banking ledger; and a plurality of distributed computer nodes; a client system for a client; an off-chain core banking ledger comprising an off-chain account; a ledger interoperability service that facilitates interactions between the distributed banking ledger and the off-chain core banking ledger; a posting generation service; a posting execution service; and a data services module; wherein: the distributed banking ledger is configured to receive a transaction request for a transaction involving an off-chain account on the off-chain core banking ledger from the e client system; a smart contract executed on the distributed banking ledger is configured to create a pending transaction for the transaction on the distributed banking ledger; the smart contract is configured to send a posting request for the pending transaction to the ledger interoperability service; the posting generation service is configured to generate accounting movement instructions for the transaction; the posting execution service is configured to post the accounting movement instructions and providing posting details to the ledger interoperability service; the smart contract is configured to settle the transaction on the distributed banking ledger by writing the transaction as a new block to the distributed banking ledger; the posting execution service is configured to generate a transaction request complete posting; the posting generation service is configured to execute the transaction request complete posting and returning a transaction complete posting to the distributed banking ledger via the ledger interoperability service; and the smart contract is configured to send a completion notification to the client. ### Claim 9 (depends on 8) The distributed ledger core system of claim 8, wherein the transaction comprises a deposit, a transfer, or a withdrawal. ### Claim 10 (depends on 8) The distributed ledger core system of claim 8, wherein the posting request identifies a plurality of accounts involved in the transaction, a posting/value date, a currency for the transaction, and/or an amount of the transaction. ### Claim 11 (depends on 8) The distributed ledger core system of claim 8, wherein the pending transaction indicates restricts the transaction until the transaction request complete posting is received. ### Claim 12 (depends on 8) The distributed ledger core system of claim 8, wherein the ledger interoperability service, the posting generation service, and/or the posting execution service validates an existence of an account involved in the transaction and/or a balance of the account. ### Claim 13 (depends on 8) The distributed ledger core system of claim 8, the smart contract is further configured to settle the transaction on the distributed banking ledger by crediting or increasing a balance of an on-chain account for the client using an off-chain account as a source for a deposit transaction, or debiting or decreasing the balance of the on-chain account for the client using the off-chain account as a target for a withdrawal transaction. ### Claim 14 (depends on 8) The distributed ledger core system of claim 8, the smart contract is further configured to settle the transaction on the distributed banking ledger by moving funds from a first on-chain account to a second on-chain account by debiting or decreasing a balance of the first on-chain account and crediting or increasing the balance of the second on-chain account for a transfer transaction.