Account platform for a distributed network of nodes
OwnerRon Samuel DEMBO, Alexander LIPTON +1inventors
InventorsRon Samuel DEMBO, Alexander LIPTON, Sergei BURKOV
Life of this patent
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Abstract
Embodiments described herein relate to a network of bank nodes to transfer funds to different central bank systems. An account platform generates and record blocks on a distributed block chain across computing devices to create a ledger of transaction records. The bank nodes connect directly to central-bank systems for deposit and withdraw transactions. The account platform is configured to output dynamic bank and customer records using data elements of the distributed ledger.
Claims20
A network comprising:
- a plurality of bank nodes, each bank node connected to a corresponding central bank system to transmit fund transfer commands to trigger a transaction exchange;
- an account platform having non-transitory computer-readable storage medium with computer-executable instructions for causing a processor to generate transaction data elements and record the transaction data elements on a plurality of ledger nodes, each ledger node comprising at least one computing device, the account platform connecting to the plurality of bank nodes to receive transaction notifications relating to the fund transfer commands, the account platform being configured to maintain and update a distributed ledger by creating block data structures for transactions using the ledger nodes for transaction management, each block data structure indicating a customer identifier for use in generating a dynamic customer record by aggregating block data structures indicating the customer identifier;
- and
- an interface for displaying visual representations corresponding to the dynamic customer record.
A non-transitory computer readable medium having computer-executable instructions for causing a processor to:
- receive a transaction notification from a bank node connected to a central bank system, the transaction notification indicating a customer identifier and transaction data;
- create a block data structure for the transaction notification, the block data structure indicating the customer identifier and the transaction data;
- update, with the block data structure, a distributed ledger managed by a plurality of ledger nodes, each ledger node comprising at least one computing device;
- generate a customer record by aggregating a set of blocks of the distributed ledger, each block of the set of blocks indicating the customer identifier;
- and
- transmit the customer record to an interface to trigger display of visual elements corresponding to the customer record on a display device.
A network of bank nodes to transfer funds to central bank systems, and an account platform to generate data elements of transactions and record the data elements of the transactions on a distributed ledger provided by computing devices, at least one transaction being linked to a customer identifier, the account platform being configured to generate and output dynamic customer records using the distributed ledger in response to receiving the customer identifier, wherein at least one data element is linked to a central bank identifier, wherein the account platform is configured to generate the dynamic customer records using the central bank identifier.
Dependencies are inferred from the claim text.