Classification Microservice for Dynamic Transaction Workflow Routing

Resolve Bottlenecks,
Find Innovative SolutionsGenerate Solutions

Solution Overview

Problem

Existing transaction processing systems are complex and monolithic, requiring re-coding and re-deployment for workflow changes, leading to inefficiencies, missed deadlines, and additional costs due to suboptimal or incomplete transaction processing.

Innovation Solution

A transaction exchange platform using a streaming data platform and microservices, with classification microservices that leverage machine-learning models to determine alternative workflows for transactions, allowing automatic reconfiguration and processing through dynamic, flexible workflows.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If a monolithic payment processing system is used to accommodate multiple transaction types and workflows, then the system can handle diverse transaction requirements, but the system complexity increases and any workflow change requires re-coding, re-compiling, and re-deploying large software components

Engineering Contradiction:

Improveability to accommodate different transaction typesVSAvoidsystem complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent segments the monolithic payment processing system into multiple independent microservices, each responsible for specific transaction types or workflow steps. This allows individual services to be modified, deployed, and scaled independently, reducing overall system complexity while maintaining versatility across different transaction types.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent creates a universal workflow engine that can orchestrate different transaction types through a common interface and standardized data models. This allows the system to handle diverse transactions (payments, refunds, transfers, etc.) through a unified architecture rather than separate specialized systems.

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Ease of manufacture

If the payment processing system is divided into modules for different transactions, then changes to single workflow steps can be made more easily, but problems with individual workflow steps can grind the whole approval process to a halt

Engineering Contradiction:

Improveease of modifying workflow stepsVSAvoidworkflow stability

Core Design Contradiction:

Ease of manufactureVSReliability

Solution Approach 1:

The patent implements retry logic, fallback mechanisms, and error handling at each microservice level to prevent single points of failure from cascading through the entire workflow. Compensation transactions and idempotency guarantees ensure that partial failures can be recovered from without grinding the whole process to a halt.

Inventive Principle:

Principle #11Beforehand cushioning (Prior cushioning)

Solution Approach 2:

The patent introduces an event-driven architecture with message queues and workflow orchestration as intermediaries between microservices. This allows decoupled communication where individual service failures can be buffered, retried, or handled by fallback mechanisms without directly impacting the entire workflow chain.

Inventive Principle:

Principle #24Intermediary (Mediator)

3Productivity

If transactions are processed through fixed workflows, then the processing path is predictable and manageable, but some transactions may be processed using suboptimal workflows resulting in missed deadlines, additional costs, and inefficiency

Engineering Contradiction:

Improvetransaction processing efficiencyVSAvoidworkflow flexibility

Core Design Contradiction:

ProductivityVSAdaptability or versatility

Solution Approach 1:

The patent implements dynamic workflow selection where the system can determine at runtime which workflow path to take based on transaction characteristics, current system state, and performance metrics. This allows the system to adapt to changing conditions and select optimal processing paths rather than following rigid predetermined workflows.

Inventive Principle:

Principle #15Dynamics

Solution Approach 2:

The patent incorporates feedback mechanisms that monitor workflow performance, transaction outcomes, and system metrics to continuously optimize routing decisions. Machine learning models and analytics can learn from historical data to predict which workflows are most likely to succeed for given transaction types, improving overall productivity while maintaining flexibility.

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS20260064693A1Transaction Exchange Platform with Classification Microservice to Generate Alternative Workflows

Publication Date: 2026.03.05 CAPITAL ONE SERVICES LLC

AI summary

Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions in accordance with corresponding workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Further, the microservices may leverage machine-learning models to determine whether transaction objects may be more effectively processed using alternative or secondary workflows. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for dynamic and flexible reconfiguration of workflows.