Patent ID: 11971862
Assignee: LITHIC, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 20:
21. A method comprising, by one or more computing systems associated with a receiver processor:
receiving a first network event corresponding to an authorized transaction associated with a transfer of resources between a first resource account and a third party, wherein the first network event is assigned a unique transaction identifier associated with the first transaction by the receiver processor, wherein the first resource account is associated with a client entity and issued by a receiver institution, wherein the authorized transaction is associated with publicly routable account credentials of the first 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 first 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;
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 a transaction resource configuration for transactions associated with the first VBAN;
recording a first update in an account ledger, wherein recording the first update comprises recording the unique transaction identifier in association with the first update and the VBAN container ledger account and the final ledger account in the account ledger;
detecting, via an asynchronous data stream processing module, the modification to the stored balance values of the VBAN container ledger account and final ledger account in the account ledger;
identifying one or more second container ledger accounts associated with the final ledger account; and
recording a second update in the account ledger, wherein recording the second update comprises, for each of the one or more second container ledger accounts, recording the unique transaction identifier in association with the second update and the second container ledger account, and modifying a stored balance value of the second container ledger account in the account ledger based on the modification to the stored balance value of the final ledger account.