Worldpay Limited

Fidelity Information Services, LLC

Aman S Cheema

William J Wied

Stephen E Dinan

Manuela Dragan

Systems and methods of executing a real-time electronic transaction by a real-time transaction system are disclosed. One method includes receiving, by an application programing interface (API) system, an electronic transaction request from a user. The API system may transmit the electronic transaction request to a choreographer system. The choreographer system may transmit a validation API call based on the electronic transaction request to an account system. The account system may determine whether an account associated with the electronic transaction request exists in the real-time transaction system. The choreographer system may transmit an authorization API call based on the electronic transaction request to an authorization system. The choreographer system may receive an authorization response from the authorization system. The choreographer system may transmit an electronic transaction request message to at least one of a routing engine, an account ledger system, an audit system, and/or a transaction system.

Systems and methods for executing real-time electronic transactions using API calls

Systems and methods of executing a real-time electronic transaction by a real-time transaction system are disclosed. One method includes receiving, by a routing system, an electronic transaction request from a user. The routing system may receive routing configuration data from a data query system. The routing system may determine an optimal path for executing the electronic transaction request in accordance with a routing decision model and the routing configuration data. The routing system may transmit the electronic transaction request to a transaction network via the optimal path. The routing system may generate a transaction route data based on the optimal path. The routing system may transmit the transaction route data to a transaction event-topic stream.

Systems and methods for executing real-time electronic transactions using a routing decision model

Display screen with graphical user interface

Systems and methods of executing a real-time electronic transaction by a real-time transaction system are disclosed. One the method includes receiving, by a reconciliation system, a transaction update associated with a transaction request from a transaction network. The reconciliation system may authenticate the transaction update by communicating with an authentication system. The reconciliation system may translate the transaction update into at least another format. The reconciliation system may transmit the transaction update to a notification handler. The reconciliation system may receive transaction data associated with the transaction update from a transaction query system. The reconciliation system may transmit the transaction update to a transaction requestor associated with the transaction data.

Growing community of inventors

Warwickshire, United Kingdom

Aman S Cheema