Unified Transaction API Routing for Real-Time Payment Networks

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Solution Overview

Problem

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

Innovation Solution

A unified transaction processor system utilizing a single API to facilitate real-time electronic transactions, with integrated security, intelligent routing, and global compliance, enabling seamless account-to-account payments across multiple networks.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If multiple fragmented processing systems are used for electronic transactions, then coverage of different payment networks is improved, but system complexity and security risks increase

Engineering Contradiction:

Improvecoverage of payment networksVSAvoidsystem complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent merges multiple fragmented processing systems into a single unified transaction processor that handles domestic and international payments across multiple networks (Visa, Mastercard, American Express, Discover, and other card networks) through one integrated platform, reducing system complexity while maintaining broad network coverage

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The unified transaction processor is designed with multi-functionality to handle various types of transactions (domestic payments, international payments, e-commerce payments) across multiple payment networks through a single system that adapts to different network requirements

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Adaptability or versatility

If multiple fragmented processing systems are used for electronic transactions, then coverage of different payment networks is improved, but security risks increase

Engineering Contradiction:

Improvecoverage of payment networksVSAvoidsecurity risks

Core Design Contradiction:

Adaptability or versatilityVSReliability

Solution Approach 1:

By consolidating security functions into a single unified transaction processor, the system eliminates security vulnerabilities associated with multiple fragmented systems while maintaining comprehensive coverage of different payment networks through centralized security protocols

Inventive Principle:

Principle #5Merging (Combining)

3Stability of the object's composition

If legacy payment processing networks are used, then existing infrastructure is maintained, but user experience and transaction efficiency deteriorate

Engineering Contradiction:

Improveinfrastructure stabilityVSAvoiduser experience

Core Design Contradiction:

Stability of the object's compositionVSEase of operation

Solution Approach 1:

The patent replaces legacy mechanical payment processing systems with a modern unified transaction processor that leverages contemporary technology architectures, improving user experience and transaction efficiency while maintaining stable connectivity to existing payment networks

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

4Stability of the object's composition

If legacy payment processing networks are used, then existing infrastructure is maintained, but transaction costs increase

Engineering Contradiction:

Improveinfrastructure stabilityVSAvoidtransaction costs

Core Design Contradiction:

Stability of the object's compositionVSLoss of energy

Solution Approach 1:

The unified transaction processor consolidates multiple processing functions into a single system, eliminating redundant operations and associated costs while maintaining stable infrastructure connections to existing payment networks, thereby reducing overall transaction costs

Inventive Principle:

Principle #5Merging (Combining)

Data Source

PatentUS12548022B2Systems and methods for executing real-time electronic transactions using API calls

Publication Date: 2026.02.10 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.