| CPC G06F 16/18 (2019.01) | 21 Claims |
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1. A method comprising, by one or more computing systems associated with a receiver processor:
receiving a first network event corresponding to a first transaction associated with a transfer of resources between a resource account and a third party, wherein the first network event is assigned a unique transaction group identifier associated with the first transaction by the receiver processor, wherein the resource account is associated with a client entity and issued by a receiver institution, wherein the first transaction is associated with publicly routable account credentials of the resource account, and wherein the unique transaction group identifier assigned by the receiver processor is associated with a plurality of network events;
identifying, from an account ledger stored in an account ledger data storage, a virtual bank account (VBAN) container ledger account and a final ledger account, wherein the VBAN container ledger account represents a parent program container corresponding to the resource account on a hierarchical representation of accounts containing a plurality of final ledger accounts in the account ledger, wherein the final ledger account represents a leaf node on the hierarchical representation of accounts, wherein the final ledger account is issued by the receiver processor, and wherein the account ledger is configured as a privacy shield for financial data associated with the final ledger account;
identifying, from a privacy table stored in a privacy data storage separate from the account ledger data storage, a VBAN record for a first VBAN associated with the final ledger account;
retrieving, from a virtual account database, a transaction resource configuration for transactions associated with the first VBAN;
authorizing the transfer of resources based at least in part on stored balance values of the VBAN container ledger account and the final ledger account and the retrieved transaction resource configuration;
recording a first update in the account ledger, wherein recording the first update comprises recording the unique transaction group identifier in association with the first update and the VBAN container ledger account and final ledger account, and modifying the stored balance values of the VBAN container ledger account and final ledger account in the account ledger based on a transfer value associated with the transfer of resources;
receiving a second network event corresponding to a second transaction associated with the transfer of resources between the resource account and the third party;
determining that a unique transaction group identifier assigned to the second network event matches the unique transaction group identifier associated with the first update and the VBAN container ledger account and final ledger account, wherein the determination of a match indicates that the stored balance values of the VBAN container ledger account and final ledger account have already been modified based on the transfer of resources; and
recording a second update in the account ledger, wherein recording the second update comprises recording the unique transaction group identifier in association with the second update without modifying the stored balance values of the VBAN container ledger account and final ledger account in the account ledger.
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