IP Library › Granted Patent US 12,504,996
Granted Patent B2
US 12,504,996 · App. 17/949,459 · Granted Dec 23, 2025

Systems and methods to associate an exchange with one of multiple containers of a capacity plan

Inventors: Rhett M. Roberts (Kaysville, UT); César Olea Aguilar (Hermosillo Sonora, MX)
Assignee: Simnang IP, LLC
G06F9/5072G06F9/44505G06F9/5077G06N5/027
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Quick Facts
Patent No.
US 12,504,996
App. No.
17/949,459
Granted
Dec 23, 2025
Kind
B2
Abstract

Systems, methods, and computer-readable storage media to model exchanges of a capacity plan with configuration parameters and to provide a plurality of configuration parameters for individual exchanges included in a capacity plan. One system includes a communication network interface, a memory, and one or more processors. The memory to store a plurality of containers corresponding to the capacity plan, a ledger to broadcast exchanges associated with the capacity plan, and control structures to model exchanges with the configuration parameters of a given sub-ledger of the plurality of sub-ledgers. The one or more processors generate the plurality of containers and receive and broadcast exchanges.

Claims (64)

1 . A system to model exchanges of a capacity plan with configuration parameters, comprising:

a communication network interface to interface with a communication network;

a memory to store:

a ledger to broadcast exchanges associated with the capacity plan, the ledger comprising a plurality of sub-ledgers each associated with a container of a plurality of containers, wherein each exchange of the ledger is broadcasted within a sub-ledger of the plurality of sub-ledgers; and

control structures to model exchanges with the configuration parameters of a given sub-ledger of the plurality of sub-ledgers, the control structures specifying one or more controls for each container of the plurality of containers, the control structures for a given container of the plurality of containers configured to be used to determine allocation of exchanges to the given container for handling according to configuration parameters of the given container; and

one or more processors to:

receive, via the communication network interface, exchange data for an exchange;

determine the configuration parameters with which the exchange is to be modeled based on the exchange data and the control structures of the plurality of sub-ledgers; and

generate an entry in the sub-ledger corresponding to the determined configuration parameters to broadcast the exchange in the sub-ledger of the plurality of sub-ledgers according to the control structures of a corresponding container.

2 . The system of claim 1 , wherein the one or more processors are further to:

request or collect additional exchange data from a data source identified based on the exchange data; and

enrich the exchange data based on aggregating the additional exchange data into the exchange data.

3 . The system of claim 1 , wherein determining the configuration parameters with which the exchange is to be modeled is further based on at least one of:

cross-referencing the exchange data with the control structure; or

applying the control structure to the exchange data.

4 . The system of claim 1 , wherein determining the configuration parameters with which the exchange is to be modeled is based on inputting the exchange data and the control structure and generating an output prediction of the sub-ledger of the plurality of sub-ledgers to generate the entry in and broadcast the exchange to.

5 . The system of claim 1 , wherein the one or more processors are further to:

generate the ledger according to the plurality of containers, wherein generating comprises configuring one or more sub-ledgers associated with the plurality of containers based on the control structures.

6 . The system of claim 1 , wherein the one or more processors are further to:

generate the control structures specifying one or more controls for each container of the plurality of containers, wherein each control structure of the control structures comprises and executes one or more instructions determining the sub-ledger of the plurality of sub-ledgers to receive the broadcasted exchange.

7 . The system of claim 6 , wherein a first container of the plurality of containers corresponds to a first control structure of the control structures, and wherein a second container of the plurality of containers corresponds to a second control structure of the control structures, wherein the one or more instructions of each control structure restrict or allow the broadcasting of the exchange to one of the plurality of containers based on a rules dataset.

8 . The system of claim 1 , wherein the exchange data comprises at least one of:

exchange-specific data comprising one or more of a merchant identifier, a date, a time, a geolocation of the exchange, a merchant, a hash, or a cryptogram;

capacity-plan-specific exchange data comprising one or more of a line of capacity limit, a plan product, a portfolio, a status, a balance, or a delinquency measure; and

customer-specific exchange data comprising one or more of a date of birth, a customer identifier, a customer address, a geolocation of a customer, a zip code, a wallet identifier, or a public key.

9 . The system of claim 1 , wherein receiving the exchange data further comprises:

establishing, via the communication network interface utilizing a first application programming interface (API), a data feed associated with the exchange data, wherein the data feed is at least one of a credit card network, an exchange acquiring institution network, or a merchant network.

10 . The system of claim 1 , wherein the one or more processors are further to:

in response to broadcasting the exchange in the sub-ledger of the plurality of sub-ledgers, update a second sub-ledger based on the exchange data and according to a second control structure of the control structures of a second corresponding container.

11 . The system of claim 1 , wherein the one or more processors are further to:

determine global configuration parameters of the plurality of containers, wherein the global configuration parameters comprise an aggregate of the configuration parameters of each of the plurality of containers; and

generate, in real-time, one or more global estimates based on executing one or more functions calls with the control structure of each of the plurality of containers, wherein the one or more global estimates comprise at least one of a minimum threshold amount, a frequency, a response cycle, an end date cycle, a compliance rating.

12 . A system to model exchanges of a capacity plan with configuration parameters, comprising:

a communication network interface to interface with a communication network;

a ledger to broadcast exchanges associated with the capacity plan, the ledger comprising a plurality of sub-ledgers each associated with a container of a plurality of containers, wherein each exchange of the ledger is broadcasted within a sub-ledger of the plurality of sub-ledgers according to control structures of a corresponding container;

the control structures to receive input specifying the control for each sub-ledger of the plurality of sub-ledgers, the control structures to further model exchanges with the configuration parameters of a given sub-ledger of the plurality of sub-ledgers, the control structures specifying one or more controls for each container of the plurality of containers, the control structures for a given container of the plurality of containers configured to be used to determine allocation of exchanges to the given container for handling according to configuration parameters of the given container;

a capacity modeler to:

receive the control structures and exchange data for an exchange;

determine the sub-ledger to broadcast the exchange corresponding to a control structure of the one or more control structures; and

an exchange modeler to:

receive, via the communication network interface, exchange data for the exchange;

continuously provide to the capacity modeler the exchange data and the control structures; and

provide an indication of a determined sub-ledger to the ledger to broadcast the exchange in the determined sub-ledger of the plurality of sub-ledgers.

13 . The system of claim 12 , wherein the ledger is further to:

generate, utilizing the control structure, an entry in the sub-ledger to broadcast the exchange.

14 . The system of claim 12 , where the exchange modeler is further to:

request or collect additional exchange data from a data source identified based on the exchange data; and

enrich the exchange data based on aggregating the additional exchange data into the exchange data.

15 . The system of claim 12 , wherein a first container of the plurality of containers corresponds to a first control structure of the control structures, and wherein a second container of the plurality of containers corresponds to a second control structure of the control structures, wherein one or more executable instructions of each control structure restrict or allow the broadcasting of the exchange to one of the plurality of containers based on a rules dataset.

16 . The system of claim 12 , wherein the exchange data comprises at least one of:

exchange-specific data comprising one or more of a merchant identifier, a date, a time, a geolocation, a merchant, a hash, or a cryptogram;

capacity-plan-specific exchange data comprising one or more of a line of capacity limit, a plan product, a portfolio, a status, a balance, or a delinquency measure; and

customer-specific exchange data comprising one or more of a date of birth, a customer identifier, a customer address, a geolocation, a zip code, a wallet identifier, or a public key.

17 . The system of claim 12 , wherein receiving the exchange data by the exchange modeler further comprises:

establishing, via the communication network interface utilizing a first application programming interface (API), a data feed associated with the exchange data, wherein the data feed is at least one of a credit card network, an exchange acquiring institution network, or a merchant network.

18 . The system of claim 12 , wherein the ledger is further to:

in response to broadcasting the exchange in the sub-ledger of the plurality of sub-ledgers, update a second sub-ledger based on the exchange data and according to a second control structure of the control structures of a second corresponding container.

19 . A computer-implemented method to model exchanges of a capacity plan with configuration parameters, the computer-implemented method comprising:

receiving, by one or more processors, exchange data for an exchange;

determining, by the one or more processors, configuration parameters with which the exchange is to be modeled based on the exchange data and control structures of the plurality of sub-ledgers, wherein the control structures model exchanges with the configuration parameters of a given sub-ledger of a plurality of sub-ledgers, the control structures specifying one or more controls for each container of a plurality of containers, the control structures for a given container of the plurality of containers configured to be used to determine allocation of exchanges to the given container for handling according to configuration parameters of the given container; and

generating, by the one or more processors, an entry in a sub-ledger of the plurality of sub-ledgers of a ledger corresponding to the determined configuration parameters to broadcast the exchange in the sub-ledger of the plurality of sub-ledgers according to the control structures of a corresponding container of the plurality of containers, the ledger is associated with the capacity plan and comprising the plurality of sub-ledgers each associated with a container of the plurality of containers, wherein each exchange of the ledger is broadcasted within the sub-ledger of the plurality of sub-ledgers.

20 . The computer-implemented method of claim 19 , further comprising:

generating, by the one or more processors, the control structures, wherein each control structure of the control structures comprises and executes one or more instructions determining the sub-ledger of the plurality of sub-ledgers to receive the broadcasted exchange;

wherein determining the configuration parameters with which the exchange is to be modeled is based on inputting the exchange data and the control structure and generating an output prediction of the sub-ledger of the plurality of sub-ledgers to generate the entry in and broadcast the exchange to.

Assignments (2)
SECURITY INTEREST Recorded Jun 9, 2025
From: LOANPRO, INC.; BLUETREE HOLDINGS, INC.; SIMNANG, LLC; SIMNANG IP, LLC; LOANPRO SOFTWARE, LLC; AUTOPAL SOFTWARE, LLC; PAYMENT CONNECTIONS INTERCHANGE WALLET, LLC; CONNECTIONS, LLC; SIMNANG OPERATING SERVICE, LLC; ORIGIMATE, LLC; NOTE EXCHANGE, LLC
To: CANADIAN IMPERIAL BANK OF COMMERCE
Reel/Frame 071360/0495 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Sep 21, 2022
From: ROBERTS, RHETT M.; AGUILAR, CESAR OLEA
To: SIMNANG IP, LLC
Reel/Frame 061172/0112 →
Continuity (1)
Related Publication 20240095088A1 · Mar 21, 2024
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