US 11,734,069 B2
Systems and methods for maintaining pooled time-dependent resources in a multilateral distributed register
Vinod Vijapur, Sengkang (SG); Brandon Matthew Castagna, Mount Holly, NC (US); Rajesh Mulani, Singapore (SG); and Anand Ramachandra Nayak, Singapore (SG)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on Oct. 28, 2022, as Appl. No. 17/976,183.
Application 17/976,183 is a continuation of application No. 16/876,429, filed on May 18, 2020, granted, now 11,561,832.
Prior Publication US 2023/0056259 A1, Feb. 23, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06F 9/50 (2006.01); G06F 9/30 (2018.01)
CPC G06F 9/5011 (2013.01) [G06F 9/30105 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for managing resource account data in a distributed register, comprising:
one or more computing platforms where each computing platform comprises
a processor;
a communication interface; and
a memory comprising non-transitory computer readable medium with executable code stored thereon,
wherein executable code stored in a memory of one of the one or more computing platforms, when executed by the processor of said computing platform, causes the processor to:
receive resource account data for one or more resource accounts from one or more entities or one or more user devices;
enroll the one or more resource accounts in a pooled time deposit resource account;
submit a proposed data record for the pooled time deposit account via a distributed register interjector; and
append the proposed data record to an entry in a distributed register,
wherein executable code stored in a memory of one of the one or more computing platforms, when executed by the processor of said computing platform, causes the processor to:
access the distributed register and identify the one or more resource accounts enrolled in the pooled time deposit resource account; and
calculate an accrued interest value for one or more of the one or more resource accounts enrolled in the pooled time deposit resource account,
wherein executable code stored in a memory of one of the one or more computing platforms, when executed by the processor of said computing platform, causes the processor to:
detect a change in a policy affecting the pooled time deposit resource account, wherein the change in the policy requires additional information to be added to the pooled time deposit resource account to maintain compliance with the policy; and
in response to thereto, automatically trigger the resource account system to submit a second proposed data record, the second proposed data record comprising additional resource account data associated with the change in the policy.