The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Oct. 27, 2020

Filed:

Jan. 12, 2018
Applicant:

Bank of America Corporation, Charlotte, NC (US);

Inventors:

Prabakar Rangarajan, Chennai, IN;

Awadhesh Pratap Singh, Hyderabad, IN;

Assignee:

BANK OF AMERICA CORPORATION, Charlotte, NC (US);

Attorneys:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/00 (2012.01); G06Q 20/06 (2012.01); G06Q 20/36 (2012.01); H04L 29/08 (2006.01); H04L 9/08 (2006.01); H04L 9/30 (2006.01); H04L 9/06 (2006.01); G06Q 20/38 (2012.01); G06Q 20/22 (2012.01); H04L 9/32 (2006.01);
U.S. Cl.
CPC ...
G06Q 20/065 (2013.01); G06Q 20/223 (2013.01); G06Q 20/36 (2013.01); G06Q 20/389 (2013.01); H04L 9/0637 (2013.01); H04L 9/0825 (2013.01); H04L 9/0869 (2013.01); H04L 9/3066 (2013.01); H04L 9/3239 (2013.01); H04L 9/3247 (2013.01); H04L 67/104 (2013.01); H04L 2209/38 (2013.01);
Abstract

Embodiments of the present invention provide a system for executing, securing, and non-repudiation of pooled conditional smart contracts over a distributed blockchain network. In particular, the system may receive an instrument request from a beneficiary entity, where the instrument request includes an instrument amount. The system can then identify a lead contribution amount that a lead entity is willing to provide to meet a portion of the instrument amount. A set of supporting entities can be identified as willing to provide supporting contribution amounts to meet the remainder of the instrument amount. A conditional contract can be sent to each supporting entity that, when signed, authorizes the system to transfer contribution amounts, which may be in the form of cryptocurrency, from blockchain addresses of the lead and supporting entities to a blockchain address of the beneficiary entity. Once the instrument amount has been secured, the system executes the transactions.


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