US 2026/0093790 A1Published application

System and method to reconciliate and synchronize multi-level data tokens

AssigneeBank of America Corporation

InventorsSiten Sanghvi, Naga Vamsi Krishna Akkapeddi, Igor Derensteyn, Vincent A. Holt, Pushpanjali Kottapalli, Robert Kriger, Enrico Ual, Bharat Chabra

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Abstract

A system comprises a memory communicatively coupled to at least one processor. The at least one processor is configured to receive an authentication request from a first service to authorize a transition of multiple data exchange operations from the first service to a second service, accept a first equity token from the first service, and accept a second equity token from the second service. Further, the at least one processor may be configured to determine whether the first details in the first equity token match the second details in the second equity token, determine that the first details in the first equity token changed into the second details in the second equity token in response to determining that the first details do not match the second details, generating a reconciliation report referencing that the first details changed into the second details, and transmit the reconciliation report to the first service.

Claims20

Dependent claims

An apparatus, comprising:

a memory operable to store:
one or more tokens comprising information representative of one or more data exchange operations associated with one or more services;
and
at least one processor communicatively coupled to the memory and configured to:
receive a first authentication request from a first service to authorize a first transition of a plurality of data exchange operations from the first service to a second service, the first authentication request comprising:
a first identification (ID) token configured to reference that the first service is entitled to transition the plurality of data exchange operations to the second service;
and
a first access token configured to reference whether the first service is eligible to transition the plurality of data exchange operations to the second service;
determine whether the first ID token matches a first reference ID token of the one or more tokens;
determine whether the first access token matches a first reference access token of the one or more tokens;
in response to determining that the first ID token matches the first reference access token and the first access token matches the first reference access token, determine that the first authentication request is acceptable;
in response to determining that the first authentication request is acceptable, transition the plurality of data exchange operations from the first service to the second service;
determine whether the plurality of data exchange operations comprise a transmission reconciliation to specify that the plurality of data exchange operations was communicated to the first service prior to receiving the first authentication request;
in response to determining that the plurality of data exchange operations comprise the transmission reconciliation, accept a first equity token from the first service, the first equity token comprising a first plurality of details for the plurality of data exchange operations;
accept a second equity token from the second service, the second equity token comprising a second plurality of details for the plurality of data exchange operations;
determine whether the first plurality of details in the first equity token matches the second plurality of details in the second equity token;
in response to determining that the first plurality of details in the first equity token does not match the second plurality of details in the second equity token, determine that the first plurality of details in the first equity token changed into the second plurality of details in the second equity token;
generate a reconciliation report referencing that the first plurality of details in the first equity token changed into the second plurality of details in the second equity token;
and
transmit the reconciliation report to the first service.

17 more elements

A method, comprising:

receiving a first authentication request from a first service to authorize a first transition of a plurality of data exchange operations from the first service to a second service, the first authentication request comprising:
a first identification (ID) token configured to reference that the first service is entitled to transition the plurality of data exchange operations to the second service;
and
a first access token configured to reference whether the first service is eligible to transition the plurality of data exchange operations to the second service;
determining whether the first ID token matches a first reference ID token of one or more tokens;
determining whether the first access token matches a first reference access token of one or more tokens;
in response to determining that the first ID token matches the first reference access token and the first access token matches the first reference access token, determining that the first authentication request is acceptable;
in response to determining that the first authentication request is acceptable, transitioning the plurality of data exchange operations from the first service to the second service;
determining whether the plurality of data exchange operations comprise a transmission reconciliation to specify that the plurality of data exchange operations was communicated to the first service prior to receiving the first authentication request;
in response to determining that the plurality of data exchange operations comprise the transmission reconciliation, accepting a first equity token from the first service, the first equity token comprising a first plurality of details for the plurality of data exchange operations;
accepting a second equity token from the second service, the second equity token comprising a second plurality of details for the plurality of data exchange operations;
determining whether the first plurality of details in the first equity token matches the second plurality of details in the second equity token;
in response to determining that the first plurality of details in the first equity token does not match the second plurality of details in the second equity token, determining that the first plurality of details in the first equity token changed into the second plurality of details in the second equity token;
generating a reconciliation report referencing that the first plurality of details in the first equity token changed into the second plurality of details in the second equity token;
and
transmitting the reconciliation report to the first service.

13 more elements

A non-transitory computer-readable medium storing instructions that when executed by a processor cause the processor to:

receive a first authentication request from a first service to authorize a first transition of a plurality of data exchange operations from the first service to a second service, the first authentication request comprising:
a first identification (ID) token configured to reference that the first service is entitled to transition the plurality of data exchange operations to the second service;
and
a first access token configured to reference whether the first service is eligible to transition the plurality of data exchange operations to the second service;
determine whether the first ID token matches a first reference ID token of one or more tokens;
determine whether the first access token matches a first reference access token of the one or more tokens;
in response to determining that the first ID token matches the first reference access token and the first access token matches the first reference access token, determine that the first authentication request is acceptable;
in response to determining that the first authentication request is acceptable, transition the plurality of data exchange operations from the first service to the second service;
determine whether the plurality of data exchange operations comprise a transmission reconciliation to specify that the plurality of data exchange operations was communicated to the first service prior to receiving the first authentication request;
in response to determining that the plurality of data exchange operations comprise the transmission reconciliation, accept a first equity token from the first service, the first equity token comprising a first plurality of details for the plurality of data exchange operations;
accept a second equity token from the second service, the second equity token comprising a second plurality of details for the plurality of data exchange operations;
determine whether the first plurality of details in the first equity token matches the second plurality of details in the second equity token;
in response to determining that the first plurality of details in the first equity token does not match the second plurality of details in the second equity token, determine that the first plurality of details in the first equity token changed into the second plurality of details in the second equity token;
generating a reconciliation report referencing that the first plurality of details in the first equity token changed into the second plurality of details in the second equity token;
and
transmitting the reconciliation report to the first service.

13 more elements

Dependencies are inferred from the claim text.