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:
Nov. 03, 2026

Filed:

Feb. 24, 2025
Applicant:

Citibank, N.a., New York, NY (US);

Inventor:

Ryan Marsh, Billericay, GB;

Assignee:

CITIBANK, N.A., New York, NY (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/38 (2012.01); G06F 16/23 (2019.01); G06Q 20/40 (2012.01); G06Q 40/04 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/389 (2013.01); G06F 16/2379 (2019.01); G06Q 20/405 (2013.01); G06Q 40/04 (2013.01); G06Q 20/3827 (2013.01);
Abstract

A computer-implemented method comprising receiving a request to execute a transaction transferring transaction data from a first account to a second account associated with a second computing device in communication with a distributed ledger, the request comprising an identification of the first account and the second account; identifying a third account associated with a third computing device in communication with the distributed ledger; retrieving first account data for the first account and third account data for the third account from the distributed ledger; comparing a first value from the first account data and a third value from the third account data to a threshold; determining the transaction satisfies a transaction policy; and generating a record in the distributed ledger indicating the transaction transferring the transaction data from the first account to the second account in response to the determination that the transaction satisfies the transaction policy.


Find Patent Forward Citations

Quick Actions:

Marsh, Ryan. (2026). Hierarchy-based distributed ledger (U.S. Patent No. 12784042). U.S. Patent and Trademark Office. https://idiyas.com/patent/badge/12784042

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