# US 2019/0318353 A1 · Real time data processing platform for resources on delivery interactions > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2019/0318353 A1 - Document ID: US20190318353A1 - Status: Published application - Kind: A1 - Application number: 15/952,059 - Filed: 2018-04-12 - Published: 2019-10-17 - Earliest claimed: 2018-04-12 - Assignees: Bank of America Corporation - Applicants: Bank of America Corporation - Inventors: Joseph Benjamin Castinado; Charles Russell Kendall - Web page: https://patentgrep.com/patent/US20190318353A1 ## CPC - G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists - G06Q 10/0631: Resource planning, allocation, distributing or scheduling for enterprises or organisations - G06Q 20/023: {the neutral party being a clearing house} - G06Q 20/0855: {involving a third party} - G06Q 20/223: {based on the use of peer-to-peer networks} - G06Q 20/367: {involving electronic purses or money safes} - G06Q 20/3825: {Use of electronic signatures} - G06Q 30/06: Buying, selling or leasing transactions - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q 40/08: Insurance - H04L 9/0637: {Modes of operation, e.g. cipher block chaining [CBC], electronic codebook [ECB] or Galois/counter mode [GCM]} - H04L 9/3239: {involving non-keyed hash functions, e.g. modification detection codes [MDCs], MD5, SHA or RIPEMD} - H04L 9/3247: {involving digital signatures} - G06Q 2220/00: Business processing using cryptography - H04L 9/50: {using hash chains, e.g. blockchains or hash trees} - H04L 67/104: Peer-to-peer [P2P] networks - H04L 2209/56: Financial cryptography, e.g. electronic payment or e-cash - 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 - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract Embodiments of the present invention provide a system operatively connected with a block chain distributed network and for using the block chain distributed network for processing resources-on-delivery interactions in real-time. Embodiments receive, at a node of a block chain distributed network, a smart contract associated with a resources-on-delivery interaction between a first entity and a second entity, access a distributed ledger, wherein the distributed ledger is updated based on communications from the block chain distributed network, receive an interaction request associated with the smart contract from a user device of at least one of a first user associated with the first entity or a second user associated with the second entity, determine, from the distributed ledger, that the interaction request meets one or more conditions of the smart contract, process the interaction request by executing the smart contract, and complete an interaction associated with the interaction request. ## Claims ### Claim 1 A system operatively connected with a block chain distributed network and for using the block chain distributed network for processing resources-on-delivery interactions in real-time, the system comprising: a memory device; and a processing device operatively coupled to the memory device, wherein the processing device is configured to execute computer readable program code to: receive, at a node of a block chain distributed network, a smart contract associated with a resources-on-delivery interaction, wherein the smart contract is associated with a first entity and a second entity; access a distributed ledger, wherein the distributed ledger is updated based on communications from the block chain distributed network; receive an interaction request associated with the smart contract from a user device of at least one of a first user associated with the first entity or a second user associated with the second entity; determine, from the distributed ledger, that the interaction request meets one or more conditions of the smart contract; process the interaction request by executing the smart contract based on determining that the interaction request meets the one or more conditions of the smart contract; and in response to executing the smart contract, complete an interaction associated with the interaction request in real-time. ### Claim 2 (depends on 1) The system of claim 1, wherein the smart contract further comprises receiving at least a checklist associated with the smart contract. ### Claim 3 (depends on 2) The system of claim 2, wherein the processing device is configured to: in response to receiving the interaction request, presenting the checklist associated with the smart contract on the user device linked with initiation of the interaction request; and receiving one or more inputs associated with the checklist from the user device. ### Claim 4 (depends on 1) The system of claim 1, wherein receiving the smart contract further comprises receiving, at a node of the block chain distributed network, a first token associated with authorization of the interaction. ### Claim 5 (depends on 4) The system of claim 4, wherein completing the interaction comprises: transmitting a request to the first user for a token associated with the authorization of the interaction, wherein the first user is a payor; in response to transmitting the request, receiving a second token from the first user; determining, from the distribution ledger, that the second token received from the first user matches the first token; and authorizing the interaction based on determining that the second token received from the first user matches the first token. ### Claim 6 (depends on 1) The system of claim 1, wherein completing the interaction comprises: transferring resources associated with the interaction and the smart contract from a first account of a first resource entity associated with the first entity to a second account of a second resource entity associated with the second entity. ### Claim 7 (depends on 6) The system of claim 6, wherein the first resource entity and the second resource entity are financial institutions. ### Claim 8 (depends on 1) The system of claim 1, wherein the processing device is configured to execute the smart contract based on receiving a first signature from the first user and a second signature from the second user. ### Claim 9 (depends on 1) The system of claim 1, wherein the second user is a payee. ### Claim 10 A computer program product for using a block chain distributed network for processing resources-on-delivery interactions, wherein the computer program product comprises at least one non-transitory computer readable medium comprising computer readable instructions, the instructions, when executed by a computer processor, cause the computer processor to: receive, at a node of a block chain distributed network, a smart contract associated with a resources-on-delivery interaction, wherein the smart contract is associated with a first entity and a second entity; access a distributed ledger, wherein the distributed ledger is updated based on communications from the block chain distributed network; receive an interaction request associated with the smart contract from a user device of at least one of a first user associated with the first entity or a second user associated with the second entity; determine, from the distributed ledger, that the interaction request meets one or more conditions of the smart contract; process the interaction request by executing the smart contract based on determining that the interaction request meets the one or more conditions of the smart contract; and in response to executing the smart contract, complete an interaction associated with the interaction request in real-time. ### Claim 11 (depends on 10) The computer program product of claim 10, wherein the smart contract further comprises receiving at least a checklist associated with the smart contract. ### Claim 12 (depends on 11) The computer program product of claim 11, wherein the computer readable instructions further cause the computer processor to: in response to receiving the interaction request, presenting the checklist associated with the smart contract on the user device linked with initiation of the interaction request; and receiving one or more inputs associated with the checklist from the user device. ### Claim 13 (depends on 10) The computer program product of claim 10, wherein receiving the smart contract further comprises receiving, at a node of the block chain distributed network, a first token associated with authorization of the interaction. ### Claim 14 (depends on 13) The computer program product of claim 13, wherein completing the interaction comprises: transmitting a request to the first user for a token associated with the authorization of the interaction, wherein the first user is a payor; in response to transmitting the request, receiving a second token from the first user; determining, from the distribution ledger, that the second token received from the first user matches the first token; and authorizing the interaction based on determining that the second token received from the first user matches the first token. ### Claim 15 (depends on 10) The computer program product of claim 10, wherein completing the interaction comprises: transferring resources associated with the interaction and the smart contract from a first account of a first resource entity associated with the first entity to a second account of a second resource entity associated with the second entity. ### Claim 16 A computer implemented method for using the block chain distributed network for processing resources-on-delivery interactions, the computer implemented method comprising: receiving, at a node of a block chain distributed network, a smart contract associated with a resources-on-delivery interaction, wherein the smart contract is associated with a first entity and a second entity; accessing a distributed ledger, wherein the distributed ledger is updated based on communications from the block chain distributed network; receiving an interaction request associated with the smart contract from a user device of at least one of a first user associated with the first entity or a second user associated with the second entity; determining, from the distributed ledger, that the interaction request meets one or more conditions of the smart contract; processing the interaction request by executing the smart contract based on determining that the interaction request meets the one or more conditions of the smart contract; and in response to executing the smart contract, completing an interaction associated with the interaction request in real-time. ### Claim 17 (depends on 16) The computer implemented method of claim 16, wherein the smart contract further comprises receiving at least a checklist associated with the smart contract. ### Claim 18 (depends on 17) The computer implemented method of claim 17, further comprising: in response to receiving the interaction request, presenting the checklist associated with the smart contract on the user device linked with initiation of the interaction request; and receiving one or more inputs associated with the checklist from the user device. ### Claim 19 (depends on 16) The computer implemented method of claim 16, wherein completing the interaction comprises: transferring resources associated with the interaction and the smart contract from a first account of a first resource entity associated with the first entity to a second account of a second resource entity associated with the second entity. ### Claim 20 (depends on 16) The computer implemented method of claim 16, wherein the method further comprises executing the smart contract based on receiving a first signature from the first user and a second signature from the second user.