Real-Time Transaction API Orchestration for Unified Payment Processing

Resolve Bottlenecks,
Find Innovative SolutionsGenerate Solutions

Solution Overview

Problem

Existing electronic transaction systems face inefficiencies due to fragmented processing systems, security risks, and inconsistent compliance standards, leading to poor user experience, increased costs, and slow transactions.

Innovation Solution

A unified transaction processor system utilizing a single API to facilitate account-to-account transactions, with integrated security, intelligent routing, and real-time orchestration, ensuring compliance with global standards and providing a single management portal for seamless electronic transactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If legacy payment processing networks are used, then existing systems can process transactions, but the systems become fragmented and complex with multiple processing systems

Engineering Contradiction:

Improvetransaction processing capabilityVSAvoidprocessing system fragmentation

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The patent merges multiple fragmented payment processing systems into a single unified payment processing system. The choreographer system coordinates transactions across different accounts and networks through a centralized architecture, eliminating the need for multiple separate processing systems and reducing overall system complexity while maintaining transaction processing capabilities.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The unified payment processing system is designed to handle multiple transaction types and account formats through a single platform. The system can process various account-to-account transactions, international transfers, and different payment methods through one universal processing architecture, replacing the need for specialized processing systems for each transaction type.

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Adaptability or versatility

If multiple payment networks are used, then diverse transaction types can be supported, but security risks and compliance issues increase

Engineering Contradiction:

Improvetransaction network diversityVSAvoidsecurity and compliance consistency

Core Design Contradiction:

Adaptability or versatilityVSReliability

Solution Approach 1:

The choreographer system acts as an intermediary between the unified payment processing system and various external payment networks. It translates and coordinates transaction requests across different networks while maintaining consistent security and compliance standards. The choreographer validates transactions, manages authentication, and ensures compliance with global standards before routing to appropriate networks, thereby reducing security and compliance risks.

Inventive Principle:

Principle #24Intermediary (Mediator)

3Speed

If real-time processing is implemented, then transaction speed improves, but system complexity and resource requirements increase

Engineering Contradiction:

Improvetransaction processing speedVSAvoidsystem architecture complexity

Core Design Contradiction:

SpeedVSDevice complexity

Solution Approach 1:

The system segments the transaction processing into distinct functional modules: the API system for receiving requests, the choreographer system for coordination and validation, and the routing engine for execution. This segmentation allows each component to specialize in real-time processing of specific tasks, improving overall speed while managing complexity through modular architecture where each segment can be independently optimized.

Inventive Principle:

Principle #1Segmentation

Data Source

PatentUS12443958B2Systems and methods for executing real-time electronic transactions using API calls

Publication Date: 2025.10.14 WORLDPAY LLC

AI summary

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.