公开(公告)号：US20250016163A1

公开(公告)日：2025-01-09

申请号：US18349035

申请日：2023-07-07

Applicant: Bank of America Corporation

Inventor： Saurabh Garg ,  Maneesh Kumar Sethia ,  Sandeep Kumar Chauhan ,  Saurabh Arora ,  Prakash Thatipamula

IPC: H04L9/40

Abstract: An apparatus comprises a memory communicatively coupled to a processor. The memory is configured to store network interchange parameters and user profiles. The processor is configured to receive a data exchange request triggered by a user device. Further, the processor is configured to request, to a decentralized network, a token indicating that a user profile associated with the user device is entitled to access an entitlement, determine whether a data exchange network is available to exchange data in accordance with the network interchange parameters, identify a second data exchange network that is available in accordance with second network interchange parameters in response to determine that the data exchange network is unavailable, and request a data exchange output from the second data exchange network via the token. The processor is configured to receive the data exchange output from the second data exchange network.