Streaming Transaction Workflows Using Microservices and Data Snapshots

The patent divides the monolithic payment processing system into multiple independent microservices, each responsible for specific workflow stages (e.g., validation microservice, risk management microservice, compliance microservice). This segmentation allows each component to be developed, deployed, and scaled independently, reducing overall system complexity while maintaining reliable transaction approval processes through coordinated microservice communication.

The patent implements dynamic workflow configuration where approval workflows are defined as configurable parameters rather than hard-coded logic. Each microservice can be dynamically configured to handle different transaction types and approval stages without requiring code changes. This allows the system to adapt to changing business requirements by modifying workflow configurations at runtime, eliminating the need for re-coding and re-compiling when workflow steps need to be adjusted.

The patent segments the transaction approval process into independent microservices that can fail independently. When one microservice encounters a problem, only that specific service stops processing, while other microservices continue to process transactions. The system maintains overall productivity by allowing partial processing to continue and can implement retry mechanisms or fallback workflows to maintain approval process continuity despite individual service failures.

The patent employs a universal workflow engine that handles multiple transaction types and approval workflows through a single configurable platform. The streaming data platform processes various transaction streams (payments, transfers, investments) using the same microservice architecture and data streaming mechanisms. This multi-functionality allows the system to manage workflow reconfiguration flexibility across different business domains while using a consistent, reusable architecture that actually reduces overall system complexity despite the increased adaptability.