Granted Patent B2

US 12,406,238 · App. 18/091,097 · Granted Sep 2, 2025

Inventors: Abhinav Aryendra (Phoenix, AZ); Nicolas R.J. Blackwell (Worthing, GB); Benjamin J. Cane (Phoenix, AZ); Prakasam Duraisamy (Phoenix, AZ); Tristan M. Fuentes (Mesa, AZ); Sunil Patel (Phoeniz, AZ); Michael S. Zoratti (Markham, CA)

Assignee: American Express Travel Related Services Company, Inc.

G06Q20/10

Abstract

Claims (80)

1. A system, comprising:

a computing device comprising a processor and a memory; and

a first supernetwork instance of a supernetwork configured to allow a first participant of a first payment network to make a payment to a second participant of a second payment network, the first supernetwork instance comprising a first global transaction router, a first participant registry, a first transaction ledger, and a first participant status cache, wherein the first supernetwork instance is in data communication with one or more network hubs and at least a second supernetwork instance,

wherein the first global transaction router hosted by the first supernetwork instance comprises machine-readable instructions stored in the memory that, when executed by the processor, cause the computing device to at least:

receive a first payment request from a source network hub connected to the first supernetwork instance and linked to the first payment network, the first payment request specifying at least a participant identifier for a recipient institution and an amount of the first payment request;

query the first participant status cache to identify a participant record associated with the participant identifier of the recipient institution;

obtain, from the participant record, a network identifier for a destination network hub linked to the second payment network associated with the recipient institution;

query the first participant registry to identify the second supernetwork instance connected to the destination network hub associated with the network identifier;

forward the first payment request to a second global transaction router hosted by the second supernetwork instance connected to the destination network hub;

receive, from the second global transaction router or the destination network hub, a payment response indicating a status of the payment request; and

record, in the first transaction ledger, a transaction record comprising at least the payment response.

2. The system of claim 1 , wherein the first global transaction router further causes the computing device to at least:

receive a second payment request from the second global transaction router;

query the first participant registry to determine that the second payment request is destined for a second destination network hub connected to the first supernetwork instance; and

forward the second payment request to the second destination network hub.

3. The system of claim 2 , wherein the first global transaction router further causes the computing device to at least:

receive the payment response from the destination network hub;

query the first participant registry to determine that the payment response is destined for a network hub associated with the second supernetwork instance hosting the second global transaction router; and

forward the payment response to the second global transaction router.

4. The system of claim 1 , wherein the first global transaction router further causes the computing device to at least:

receive the payment response from the second global transaction router; and

query the first participant status cache to identify the source network hub as the recipient of the payment response;

query the first participant registry or the first participant status cache to determine that the source network hub is connected to the first supernetwork instance; and

forward the payment response to the source network hub.

5. The system of claim 4 , wherein the first global transaction router further causes the computing device to at least:

retrieve transaction information from the payment response; and

record the transaction record in the first transaction ledger, the transaction record comprising the transaction information.

6. The system of claim 4 , wherein the payment response is a payment acceptance message.

7. The system of claim 4 , wherein the payment response is a payment rejection message.

8. A method, comprising:

receiving, by a first global transaction router hosted by a first supernetwork instance, a first payment request from a source network hub connected to the first supernetwork instance and linked to a first payment network, the first payment request specifying at least a participant identifier for a recipient institution and an amount of the first payment request;

querying, by the first global transaction router hosted by the first supernetwork instance, a participant status cache to identify a participant record associated with the participant identifier of the recipient institution;

obtaining, by the first global transaction router hosed by the first supernetwork instance, a network identifier for a destination network hub linked to a second payment network associated with the recipient institution from the participant record;

querying, by the first global transaction router hosted by the first supernetwork instance, a participant registry to identify a second supernetwork instance connected to the destination network hub associated with the network identifier;

forwarding, by the first global transaction router hosted by the first supernetwork instance, the first payment request to a second global transaction router hosted by a second supernetwork instance connected to the destination network hub;

receiving, by the first global transaction router hosted by the first supernetwork instance, a payment response; and

recording, by the first global transaction router hosted by the first supernetwork instance, a transaction record comprising at least the payment response.

9. The method of claim 8 , further comprising:

receiving, by the first global transaction router hosted by the first supernetwork instance, a second payment request from the second global transaction router;

querying, by the first global transaction router hosted by the first supernetwork instance, the participant registry to determine that the second payment request is destined for a second destination network hub connected to the first supernetwork instance; and

forwarding, by the first global transaction router hosted by the first supernetwork instance, the second payment request to the second destination network hub.

10. The method of claim 9 , further comprising:

receiving, by the first global transaction router hosted by the first supernetwork instance, a payment response from the destination network hub;

querying, by the first global transaction router hosted by the first supernetwork instance, the participant registry to determine that the payment response is destined for a network hub associated with the second supernetwork instance hosting the second global transaction router; and

forwarding, by the first global transaction router hosted by the first supernetwork instance, the payment response to the second global transaction router.

11. The method of claim 8 , further comprising:

receiving, by the first global transaction router hosted by the first supernetwork instance, a payment response from the second global transaction router; and

querying, by the first global transaction router hosted by the first supernetwork instance, a participant status cache to identify the source network hub as the recipient of the payment response;

querying, by the first global transaction router hosted by the first supernetwork instance, a participant registry or a cache to determine that the source network hub is connected to the first supernetwork instance; and

forward, by the first global transaction router hosted by the first supernetwork instance, the payment response to the source network hub.

12. The method of claim 11 , further comprising:

retrieving, by the first global transaction router hosted by the first supernetwork instance, transaction information from the payment response; and

recording, by the first global transaction router hosted by the first supernetwork instance, a transaction record in a transaction ledger, the transaction record comprising the transaction information.

13. The method of claim 11 , wherein the payment response is a payment acceptance message.

14. The method of claim 11 , wherein the payment response is a payment rejection message.

15. A non-transitory, computer-readable medium, comprising a first global transaction router hosted by a first supernetwork instance, the first global transaction router comprising machine-readable instructions that, when executed by a processor of a computing device, cause the computing device to at least:

receive a first payment request from a source network hub connected to the first supernetwork instance and linked to a first payment network, the first payment request specifying at least a participant identifier for a recipient institution and an amount of the first payment request;

query a participant status cache to identify a participant record associated with the participant identifier of the recipient institution;

obtain, from the participant record, a network identifier for a destination network hub linked to a second payment network associated with the recipient institution;

query a participant registry to identify a second supernetwork instance connected to the destination network hub associated with the network identifier;

forward the first payment request to a second global transaction router hosted by a second supernetwork instance connected to the destination network hub;

receive, from the second global transaction router or the destination network hub, a payment response indicating a status of the payment request; and

record, in a transaction ledger, a transaction record comprising at least the payment response.

16. The non-transitory, computer-readable medium of claim 15 , wherein the first global transaction router further causes the computing device to at least:

receive a second payment request from the second global transaction router;

query the participant registry to determine that the second payment request is destined for a second destination network hub connected to the first supernetwork instance; and

forward the second payment request to the second destination network hub.

17. The non-transitory, computer-readable medium of claim 16 , wherein the first global transaction router further causes the computing device to at least:

receive a payment response from the destination network hub;

query the participant registry to determine that the payment response is destined for a network hub associated with the second supernetwork instance hosting the second global transaction router; and

forward the payment response to the second global transaction router.

18. The non-transitory, computer-readable medium of claim 15 , wherein the first global transaction router further causes the computing device to at least:

receive a payment response from the second global transaction router; and

query a participant status cache to identify the source network hub as the recipient of the payment response;

query a participant registry or a cache to determine that the source network hub is connected to the first supernetwork instance; and

forward the payment response to the source network hub.

19. The non-transitory, computer-readable medium of claim 18 , wherein the first global transaction router further causes the computing device to at least:

retrieve transaction information from the payment response; and

record a transaction record in a transaction ledger, the transaction record comprising the transaction information.

20. The non-transitory, computer-readable medium of claim 18 , wherein the payment response is a payment rejection message or a payment acceptance message.

Assignments (1)

Continuity (1)

References Cited (77)