Worldpay Limited

Fidelity Information Services, LLC

Stephen E Dinan

William J Wied

Manuela Dragan

Aman S Cheema

James S Osborn

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

Systems and methods of executing a real-time electronic transaction by a UI platform are disclosed. One method includes receiving an input selection by a user to indicate an originating account, receiving account, and payment amount. The system may transmit an option for the user to carry out the transaction by using a default payment setting, and upon the user selecting this option, determining the default payment setting, payment time or date, and a transaction cost, and displaying these to user. Alternatively, the system may transmit an option for the user to carry out the electronic transaction by the user defining the payment setting, and upon selection of this choice, performing payment optimization logic to display available payment settings, receiving a selection from the user of the chosen payment setting, and displaying the payment setting including the originating account, receiving account, payment amount, delivery time or date, and transaction cost.

Systems and methods for executing real-time electronic transactions using graphical user interface

Systems and methods are disclosed for cross-platform token compatibility. One method comprises receiving, by a token exchange service system, a primary tokenization request from an upstream entity, generating, by the token exchange service system, one or more ancillary tokenization requests based on the primary tokenization request, and transmitting, by the token exchange service system, the one or more ancillary tokenization requests to respective one or more output token vaults. One or more ancillary tokenization responses may then be received from the one or more output token vaults, and a primary tokenization response may be generated based on the one or more ancillary tokenization responses. The primary tokenization response may be transmitted to the upstream entity.

Methods and systems for securely facilitating cross-platform token compatibility via multi-tokenization

Display screen with graphical user interface

Systems and methods are disclosed for dynamic routing of electronic transactions. One method comprises receiving a request message from a merchant system and determining a routing directive associated with the request message. Upon determining the routing directive, contextual data may be retrieved based on the routing directive. Then, a final destination payment processor may be determined based on the routing directive and the contextual data. The request message may be updated based on the final destination payment processor. The updated request message may then be transmitted to a downstream entity for further processing.

Methods and systems for dynamic routing of electronic transaction messages via machine learning

Methods and systems for dynamic routing of electronic transaction messages

Systems and methods are disclosed for dynamic routing of electronic transactions while maintaining token compatibility. One method comprises receiving a request message from a merchant system and determining a final destination payment processor based on a routing directive. Upon determining the final destination payment processor, the request message may be updated by updating a message destination to the final destination payment processor and replacing an initial token with a token that is compatible with the final destination payment processor. The updated request message may then be transmitted to a downstream entity for further processing.

Methods and systems for dynamic routing of electronic transaction messages while maintaining token compatibility

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.

Systems and methods for executing real-time reconciliation and notification of electronic transactions

Systems and methods are disclosed for cross-platform token exchange. One method comprises receiving a primary token exchange request from an upstream entity, generating an ancillary detokenization request based on the primary token exchange request, and transmitting the ancillary detokenization request to an input token vault. An ancillary detokenization response comprising sensitive data may then be received from the input token vault, and one or more ancillary tokenization requests may be generated based on the ancillary detokenization response and the primary token exchange request. The one or more ancillary tokenization requests may be transmitted to one or more output token vaults. Subsequently, one or more ancillary tokenization responses may be received from the one or more output token vaults, each ancillary tokenization response comprising an output token. A primary token exchange response may be generated based on the one or more ancillary tokenization responses and transmitted to the upstream entity.

Growing community of inventors

Austin, TX, United States of America

Stephen E Dinan