Microservice Transaction Workflows for Flexible Approval Reconfiguration

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Solution Overview

Problem

Existing transaction processing systems are complex, monolithic, and require extensive re-coding and re-deployment for changes, leading to inefficiencies and potential halts in approval processes, while lacking flexibility and robust record-keeping for audit purposes.

Innovation Solution

A transaction exchange platform utilizing a streaming data platform (SDP) and microservices to process transactions dynamically, allowing for flexible workflow reconfiguration, data snapshots, and robust record-keeping through directed acyclic graphs (DAGs) and microservice polling.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If monolithic payment processing systems are used to accommodate multiple transaction types and approval workflows, then the system can handle diverse transaction requirements, but the system complexity increases and any changes require extensive re-coding, re-compiling, and re-deployment

Engineering Contradiction:

Improveability to accommodate different transaction types and approval workflowsVSAvoidsystem complexity and deployment difficulty

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent divides the monolithic payment processing system into independent microservices, each handling specific transaction types or approval workflow steps. Each microservice can be developed, deployed, and modified independently without affecting the entire system, thus reducing complexity while maintaining versatility.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent creates a universal microservice framework that can handle multiple transaction types and approval workflows through configurable parameters and standardized interfaces. This allows a single microservice architecture to provide multi-functional capabilities without requiring separate systems for each transaction type.

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Reliability

If monolithic systems are used to ensure comprehensive control over approval workflows, then regulatory and security requirements can be enforced, but problems with individual steps can halt the entire approval process

Engineering Contradiction:

Improveenforcement of regulatory and security requirementsVSAvoidapproval process continuity

Core Design Contradiction:

ReliabilityVSProductivity

Solution Approach 1:

The patent segments the approval workflow into independent microservices, each responsible for specific regulatory or security checks. If one microservice fails or requires maintenance, other microservices can continue processing, preventing complete workflow halts while maintaining enforcement of requirements through each segmented control point.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent applies different levels of control and monitoring to different stages of the approval workflow based on their specific regulatory or security requirements. Each microservice can be configured with appropriate validation rules and error handling tailored to its specific function, ensuring reliable enforcement without creating single points of failure.

Inventive Principle:

Principle #3Local quality

3Adaptability or versatility

If extensive re-coding and re-deployment is performed to implement changes in approval workflows, then the system can adapt to new requirements, but the processing time and operational disruption increase

Engineering Contradiction:

Improveability to implement changing requirementsVSAvoidre-coding and re-deployment time

Core Design Contradiction:

Adaptability or versatilityVSLoss of time

Solution Approach 1:

The patent enables independent deployment of individual microservices, allowing changes to be implemented in specific workflow stages without re-coding or re-deploying the entire system. This significantly reduces the time and disruption associated with implementing new requirements while maintaining full adaptability.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent implements dynamic configuration capabilities that allow approval workflows to be modified at runtime without system re-deployment. Configuration changes can be made through updated parameter files or database entries, enabling rapid adaptation to new requirements while the system remains operational.

Inventive Principle:

Principle #15Dynamics

Data Source

PatentUS12566799B2Transaction exchange platform having configurable microservices

Publication Date: 2026.03.03 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 according to review and approval 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. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for dynamic and flexible reconfiguration of workflows and/or microservices. Other aspects may provide for data snapshots and workflow tracking, allowing for monitoring, quality control, and auditability of transactions on the transaction exchange platform.