Abstract: A computer-implemented real-time payment system for clearing and settlement of transactions is described. The real-time payment system is adapted to implement a method of automated liquidity maintenance. The real-time payment system receives transactions for clearing and settlement from a plurality of participants, each of which has a liquidity position in the real-time payment system. At least some of the participants have a funded liquidity position in a central bank. The real-time payment system determines whether the liquidity position of each of the participants meets predetermined rules. If the liquidity position of any of the participants does not meet a predetermined rule applicable when the determination is made, the system requests an adjustment for that liquidity position so that it complies with that predetermined rule. The real-time payment system also coordinates with the central bank to use one of the funded liquidity positions to support that adjustment to a liquidity position.

Abstract: Systems and methods are provided for interconnecting proxy directories, through core proxy services. One example computer-implemented method includes receiving, by a first proxy service core computing device, from a participant, a proxy lookup request, where the proxy lookup request includes a proxy and based on one or more routing rules, submitting the proxy lookup request to a second proxy service core computing device. The method also includes receiving, by the first proxy service core computing device, from the second proxy service core computing device, a proxy lookup response, which includes account data linked to the proxy, and returning the proxy lookup response, to the participant, in response to the proxy lookup request.