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DTCC Digital Patent for Cross-Network Transaction Management

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Summary

USPTO granted US Patent 12,609,849 B2 to DTCC DIGITAL (US) INC. on April 21, 2026. The patent covers a method and system for managing cross-network transactions spanning multiple heterogeneous computing networks, using a graph structure with transaction nodes and bridges to define transaction paths. Disclosed implementations enable value transfers and conversion spanning dissimilar digital communication networks using a ledger-agnostic overlay and computing architecture. The patent contains 20 claims and was filed on September 18, 2023.

“A method and system for interfacing heterogenous computing networks to accomplish a cross-network that spans at least two networks and has a source node and a destination node.”

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GovPing monitors USPTO Patent Grants - Business Methods (G06Q) for new banking & finance regulatory changes. Every update since tracking began is archived, classified, and available as free RSS or email alerts — 44 changes logged to date.

What changed

USPTO granted US Patent 12,609,849 B2 to DTCC DIGITAL (US) INC. covering a method and system for managing cross-network transactions spanning multiple heterogeneous computing networks. The invention uses a graph structure with transaction nodes within transfer networks and bridges spanning networks to define transaction paths. Each node has attribute variables specifying supported tokens, and source and destination nodes connect via out-of-band network paths separate from bridge paths.

For legal professionals and technology companies in fintech, digital payments, and financial infrastructure, this patent establishes IP rights that may be relevant to anyone developing similar cross-network transaction or ledger-agnostic overlay architectures. The patent's broad claim scope covering graph-based transaction path determination across dissimilar networks could affect product development roadmaps in the digital asset transfer space.

Archived snapshot

Apr 26, 2026

GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.

← USPTO Patent Grants

Method, apparatus, and computer-readable medium for transaction management spanning multiple heterogeneous computing networks

Grant US12609849B2 Kind: B2 Apr 21, 2026

Assignee

DTCC DIGITAL (US) INC.

Inventors

George Daniel Doney, Dennis O'Connell

Abstract

A method and system for interfacing heterogenous computing networks to accomplish a cross-network that spans at least two networks and has a source node and a destination node. A graph structure is traversed to define a transaction path. The graph structure includes transaction nodes within transfer networks and bridges that span networks. Each node in the graph structure exists on a network and has an associated set of attribute variables that specify supported tokens. A bridge path defined by two nodes spanning two logical networks is determined. The source node and the destination node are also connected via one or more out of band network paths which are separate from the bridge path. Disclosed implementations link the speed and convenience of peer-to-peer conversion models with business-to-business trading channels using a ledger-agnostic overlay and computing architecture to enable value transfers and conversion spanning dissimilar digital communication networks.

CPC Classifications

H04L 12/4633 H04L 45/14 H04L 9/3218 H04L 2209/56 H04L 9/50 G06F 16/2379 G06F 16/9024 G06Q 20/36 G06Q 30/0283 G06Q 2220/00 G06Q 20/223 G06Q 20/381 G06Q 20/02 G06Q 20/065

Filing Date

2023-09-18

Application No.

18369499

Claims

20

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Last updated

Classification

Agency
USPTO
Published
April 21st, 2026
Instrument
Rule
Branch
Executive
Legal weight
Binding
Stage
Final
Change scope
Minor

Who this affects

Applies to
Financial advisers Technology companies Investors
Industry sector
5239 Asset Management 5112 Software & Technology 5222 Fintech & Digital Payments
Activity scope
Patent granting Transaction management Digital asset transfer
Geographic scope
United States US

Taxonomy

Primary area
Intellectual Property
Operational domain
Legal
Topics
Financial Services Payments Data Privacy

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