US Patent 9824031 Efficient clearinghouse transactions with trusted and un-trusted entities

In an aspect of the present disclosure, a method is disclosed including receiving first transaction data from a first trusted party that includes a first pending transaction between the first trusted party and a second trusted party and a second pending transaction between the first trusted party and an un-trusted party. The method further includes receiving second transaction data from the second trusted party that includes a third pending transaction between the second trusted party and the un-trusted party. The method further includes analyzing the first and second transaction data to determine whether more than one trusted party has a pending transaction with the same un-trusted party, determining that the first trusted party and the second trusted party each have a pending transaction with the un-trusted party, and modifying the first pending transaction, the second pending transaction, and the third pending transaction. The modification includes removing the third pending transaction.