Abstract: Systems and methods for using single or multi-chain deposit tokens are disclosed. According to an embodiment, a method for deposit tokenization may include: (1) receiving, by a deposit tokenization service for a token issuer and from an authorized party, an instruction for tokenizing an amount of non-tokenized funds in a deposit account; (2) verifying, by the deposit tokenization service, an identity of the authorized party using a verifiable credential; (3) screening, by the deposit tokenization service and using an information oracle, the deposit account and/or the verifiable credential; (4) debiting, by the deposit tokenization service, the deposit account for the amount and crediting the amount to an omnibus account; (5) tokenizing, by the deposit tokenization service, the amount of the non-tokenized funds on a blockchain network as deposit tokens; and (6) crediting, by the deposit tokenization service, a wallet address on the blockchain network with the deposit tokens.

Abstract: A method for digital coin issuance may include: receiving, at a ledger interoperability service and from a gateway communication service, a request to deposit a digital coin balance for an amount of funds for a client to a client digital coin wallet on a distributed ledger; receiving, at an omnibus account, a transfer of the funds from a client demand deposit account for the client; identifying, by the ledger interoperability service, an address for the client digital coin wallet on the distributed ledger using an address book; submitting, by the ledger interoperability service, a request to the gateway communication service to issue the digital coin balance to the client digital coin wallet and to generate postings for the digital coin balance for the distributed ledger; and receiving, by the ledger interoperability service, confirmation from gateway communication service of writing the digital coin balance to the client digital coin wallet.

Abstract: A method for digital coin issuance may include: receiving, at a ledger interoperability service and from a gateway communication service, a request to deposit a digital coin balance for an amount of funds for a client to a client digital coin wallet on a distributed ledger; receiving, at an omnibus account, a transfer of the funds from a client demand deposit account for the client; identifying, by the ledger interoperability service, an address for the client digital coin wallet on the distributed ledger using an address book; submitting, by the ledger interoperability service, a request to the gateway communication service to issue the digital coin balance to the client digital coin wallet and to generate postings for the digital coin balance for the distributed ledger; and receiving, by the ledger interoperability service, confirmation from gateway communication service of writing the digital coin balance to the client digital coin wallet.

Abstract: Systems and methods for token-based cross-currency interoperability are disclosed. In one embodiment, in a first financial institution information processing apparatus comprising at least one computer processor, a method for conducting a token-based cross-currency transaction may include: (1) receiving, from a first party, a transaction initiation request for a transaction amount to a second party; (2) deducting the transaction amount from a fiat currency account for the first party; (3) creating a token amount of tokens for the transaction amount; (4) writing the token amount to a distributed ledger; and (5) transferring the token amount of tokens to a second financial institution for the second party.

Abstract: A method for distributed-ledger based intercompany netting may include: receiving, from a first entity within an organization, a deposit of a first amount of funds to a first account; tokenizing the first amount of funds and writing the first amount of funds to a first token wallet for the first entity on a distributed ledger; receiving, from a second entity within an organization, a deposit of a second amount of funds to a second account; tokenizing the second amount of funds and writing the second amount of funds to a second token wallet for the second entity on the distributed ledger; and executing a transaction involving a transfer of a transaction amount from the first entity to the second entity by deducting the transaction amount from a token balance in the first wallet and adding the transaction amount to a token balance in the second wallet.

Abstract: Systems and methods for token-based cross-currency interoperability are disclosed. In one embodiment, in a first financial institution information processing apparatus comprising at least one computer processor, a method for conducting a token-based cross-currency transaction may include: (1) receiving, from a first party, a transaction initiation request for a transaction amount to a second party; (2) deducting the transaction amount from a fiat currency account for the first party; (3) creating a token amount of tokens for the transaction amount; (4) writing the token amount to a distributed ledger; and (5) transferring the token amount of tokens to a second financial institution for the second party.

Abstract: Distributed ledger cores are disclosed.

Abstract: A method for structure management may include a structure management computer program: (1) establishing a structure for a plurality of elements within an organization, each element associated with a summary account, wherein the structure identifies a hierarchical relationship among the plurality of summary accounts and a plurality of activity accounts; (2) receiving, from a user interface for a user, a query comprising a query element; (3) identifying one of the plurality of summary accounts in the structure that matches the query element; (4) retrieving an identification of a subset of the activity accounts that are associated with the identified summary account from the structure; (5) querying a distributed ledger for activity account data for the subset of the activity accounts; and (6) returning the activity account data to the user interface.

Abstract: A method for distributed-ledger based intercompany netting may include: receiving, from a first entity within an organization, a deposit of a first amount of funds to a first account; tokenizing the first amount of funds and writing the first amount of funds to a first token wallet for the first entity on a distributed ledger; receiving, from a second entity within an organization, a deposit of a second amount of funds to a second account; tokenizing the second amount of funds and writing the second amount of funds to a second token wallet for the second entity on the distributed ledger; and executing a transaction involving a transfer of a transaction amount from the first entity to the second entity by deducting the transaction amount from a token balance in the first wallet and adding the transaction amount to a token balance in the second wallet.

Abstract: Distributed ledger cores are disclosed.

Abstract: A method may include (1) receiving, at a client electronic device executing a visual programming language, a plurality of visual programming blocks, wherein each visual programming block is associated with a banking system, a baking transaction, or an account, and wherein the visual programming blocks are configured to graphically interface in a manner consistent with a banking action; (2) verifying, by the client electronic device, that an account associated with one of the visual programming blocks is active; and (3) deploying, by the client electronic device, a computer program comprising the plurality of visual programming blocks to a computing system in a production environment, wherein the computer system executes the computer program. The computer program is configured to listen for an event, identify a trigger condition in the event, and execute an action in response to the event.

Abstract: A distributed ledger system may include a first distributed ledger node associated with a first participant bank that maintains a first participant bank deposit account on a blockchain-based distributed ledger in a distributed ledger network; a second distributed ledger node associated with a second participant bank that maintains a second participant bank deposit account on the blockchain-based distributed ledger; and a third distributed ledger node associated with a liquidity provider that maintains a liquidity provider deposit account on the blockchain-based distributed ledger.

Abstract: Systems and methods for automated decentralized multilateral transaction processing are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for automated decentralized multilateral transaction processing may include: (1) receiving a plurality of transaction requests to conduct a plurality of transactions; (2) determining that a party to a first transaction of the plurality of transactions does not meet a liquidity requirement to conduct the first transaction; (3) executing a netting algorithm to identify a second transaction of the plurality of transactions that when executed allows the first transaction to execute; and (4) executing the first and second transactions.

Abstract: A method for transaction processing using a ledger interoperability service in a blockchain-based distributed ledger system may include a ledger interoperability service: receiving a pending transaction request for a transaction from a distributed banking ledger; validating the pending transaction request; enriching the validated pending transaction; sending the enriched and validated pending transaction to a posting generation service, wherein the posting generation service creates a posting for the enriched and validated pending transaction request and a posting execution service posts a message including the posting to the ledger interoperability service; encrypting and providing the encrypted message to the distributed banking ledger; receiving an encrypted response message from the distributed banking ledger; decrypting and passing the encrypted response message to the posting execution service, wherein the posting execution service provides the posting, a transaction level status, and/or a posting level

Abstract: Distributed ledger cores are disclosed.

Abstract: A method for digital coin issuance may include: receiving, at a ledger interoperability service and from a gateway communication service, a request to deposit a digital coin balance for an amount of funds for a client to a client digital coin wallet on a distributed ledger; receiving, at an omnibus account, a transfer of the funds from a client demand deposit account for the client; identifying, by the ledger interoperability service, an address for the client digital coin wallet on the distributed ledger using an address book; submitting, by the ledger interoperability service, a request to the gateway communication service to issue the digital coin balance to the client digital coin wallet and to generate postings for the digital coin balance for the distributed ledger; and receiving, by the ledger interoperability service, confirmation from gateway communication service of writing the digital coin balance to the client digital coin wallet.

Abstract: Systems and methods for the application of distributed ledgers for network payments as financial exchange settlement and reconciliation are disclosed. In one embodiment, a method for processing network payments using a distributed ledger may include: (1) a payment originator initiating a payment instruction to a payment beneficiary; (2) a payment originator bank posting and committing the payment instruction to a distributed ledger on a peer-to-peer network; (3) the payment beneficiary bank posting and committing the payment instruction to the distributed ledger on a peer-to-peer network; and (4) the payment originator bank validating and processing the payment through a payment originator bank internal system and debiting an originator account.

Abstract: Systems and methods for token-based cross-currency interoperability are disclosed. In one embodiment, in a first financial institution information processing apparatus comprising at least one computer processor, a method for conducting a token-based cross-currency transaction may include: (1) receiving, from a first party, a transaction initiation request for a transaction amount to a second party; (2) deducting the transaction amount from a fiat currency account for the first party; (3) creating a token amount of tokens for the transaction amount; (4) writing the token amount to a distributed ledger; and (5) transferring the token amount of tokens to a second financial institution for the second party.

Abstract: A method for distributed-ledger based intercompany netting may include: receiving, from a first entity within an organization, a deposit of a first amount of funds to a first account; tokenizing the first amount of funds and writing the first amount of funds to a first token wallet for the first entity on a distributed ledger; receiving, from a second entity within an organization, a deposit of a second amount of funds to a second account; tokenizing the second amount of funds and writing the second amount of funds to a second token wallet for the second entity on the distributed ledger; and executing a transaction involving a transfer of a transaction amount from the first entity to the second entity by deducting the transaction amount from a token balance in the first wallet and adding the transaction amount to a token balance in the second wallet.

Abstract: Systems and methods for automated decentralized multilateral transaction processing are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for automated decentralized multilateral transaction processing may include: (1) receiving a plurality of transaction requests to conduct a plurality of transactions; (2) determining that a party to a first transaction of the plurality of transactions does not meet a liquidity requirement to conduct the first transaction; (3) executing a netting algorithm to identify a second transaction of the plurality of transactions that when executed allows the first transaction to execute; and (4) executing the first and second transactions.