US 12,406,238 B2
Overlay network for real-time payment networks
Abhinav Aryendra, Phoenix, AZ (US); Nicolas R.J. Blackwell, Worthing (GB); Benjamin J. Cane, Phoenix, AZ (US); Prakasam Duraisamy, Phoenix, AZ (US); Tristan M. Fuentes, Mesa, AZ (US); Sunil Patel, Phoeniz, AZ (US); and Michael S. Zoratti, Markham (CA)
Assigned to American Express Travel Related Services Company, Inc., New York, NY (US)
Filed by American Express Travel Related Services Company, Inc., New York, NY (US)
Filed on Dec. 29, 2022, as Appl. No. 18/091,097.
Prior Publication US 2024/0220945 A1, Jul. 4, 2024
Int. Cl. G06Q 20/10 (2012.01)
CPC G06Q 20/10 (2013.01) 20 Claims
OG exemplary drawing
 
1. A system, comprising:
a computing device comprising a processor and a memory; and
a first supernetwork instance of a supernetwork configured to allow a first participant of a first payment network to make a payment to a second participant of a second payment network, the first supernetwork instance comprising a first global transaction router, a first participant registry, a first transaction ledger, and a first participant status cache, wherein the first supernetwork instance is in data communication with one or more network hubs and at least a second supernetwork instance,
wherein the first global transaction router hosted by the first supernetwork instance comprises machine-readable instructions stored in the memory that, when executed by the processor, cause the computing device to at least:
receive a first payment request from a source network hub connected to the first supernetwork instance and linked to the first payment network, the first payment request specifying at least a participant identifier for a recipient institution and an amount of the first payment request;
query the first participant status cache to identify a participant record associated with the participant identifier of the recipient institution;
obtain, from the participant record, a network identifier for a destination network hub linked to the second payment network associated with the recipient institution;
query the first participant registry to identify the second supernetwork instance connected to the destination network hub associated with the network identifier;
forward the first payment request to a second global transaction router hosted by the second supernetwork instance connected to the destination network hub;
receive, from the second global transaction router or the destination network hub, a payment response indicating a status of the payment request; and
record, in the first transaction ledger, a transaction record comprising at least the payment response.