Patent ID: 11861569
Assignee: RIPPLE LUXEMBOURG S.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G

Claim 0:
1. A system for making a payment transaction between a payor and a payee, comprising:
a payor computer, the payor computer including at least a portion of a distributed ledger;
a payee computer, the payor computer including at least a portion of the distributed ledger;
a consensus payment network comprising a plurality of node computers, each of the plurality of node computers including at least a portion of the distributed ledger;
the payor computer or the payee computer, configured to have a capability to:
execute a payment transaction between the payor and the payee;
collect a trust list from the payor computer or the payee computer;
collect a trust list from an intermediary computer;
intersect the collected trust lists to identify ones of the plurality of node computers that appear on each of the collected trust lists, the identified ones being trusted node computers, the trusted node computers defining a subset of the node computers;
determine whether the number of trusted node computers defining the subset is equal to a number specified as defining a consensus of the plurality of node computers;
define a temporary payment transaction consensus subnetwork comprising a number of the trusted node computers equal to or greater than the number specified as defining the consensus; and
process, by the payor computer or the payee computer, the payment transaction based on a validation consensus of the temporary payment transaction consensus subnetwork.