In-memory transaction processing

1. A method, comprising:

receiving, by a processor, a plurality of input files from multiple merchants, wherein the plurality of input files includes an input file;

separating, by the processor, a transaction record from the input file to create a transaction message associated with a merchant, wherein the transaction message represents a transaction between the merchant and a consumer;

marking, by the processor, the transaction message with a marker identifying a transaction characteristic of the transaction message;

transmitting, by the processor, the transaction message to an input pipe of a plurality of input pipes, based on the marker associated with the transaction message;

transmitting, by the processor, the transaction message to a processing machine, in response to the processing machine having processing information for the merchant and based on the processing machine being appropriate for the marker;

updating, by the processor using an updating method of a synchronization system, the processing information to be a most recent processing information;

applying, by the processor, a processing module to the transaction message based on the marker and input from a business rules engine using pre-defined logic;

accessing, by the processor using application code, the most recent processing information in a memory of the processing module, in order to execute the processing module; and

processing, by the processor, the transaction message by executing the processing module on the transaction message.

2. The method of claim 1 , wherein the transaction characteristic includes a merchant identifier, a transaction account identifier associated with the consumer, a transaction date, a transaction time, a monetary amount and a location.

3. The method of claim 1 , further comprising:

producing, by the processor, a processed transaction message in response to the processing the transaction message, wherein the processed transaction message comprises the marker; and

transmitting, by the processor, the processed transaction message to an external destination.

4. The method of claim 1 , further comprising:

producing, by the processor, a processed transaction message in response to the processing the transaction message, wherein the processed transaction message comprises the marker; and

transmitting, by the processor, the processed transaction message to an output pipe associated with the marker.

5. The method of claim 4 , wherein the transaction message is assembled into an output file in response to the transmitting the processed transaction message.

6. The method of claim 1 , wherein the application code and the processing module do not access external databases for the processing information.

7. The method of claim 1 , wherein the processing module is a discount/fee processing module based on a monetary amount and a date of the transaction.

8. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a processor, cause the processor to perform operations comprising:

receiving, by the processor, a plurality of input files from multiple merchants, wherein the plurality of input files includes an input file;

separating, by the processor, a transaction record from the input file to create a transaction message associated with a merchant, wherein the transaction message represents a transaction between the merchant and a consumer;

marking, by the processor, the transaction message with a marker identifying a transaction characteristic of the transaction message;

transmitting, by the processor, the transaction message to an input pipe of a plurality of input pipes, based on the marker associated with the transaction message;

transmitting, by the processor, the transaction message to a processing machine, in response to the processing machine having processing information for the merchant and based on the processing machine being appropriate for the marker;

updating, by the processor using an updating method of a synchronization system, the processing information to be a most recent processing information;

applying, by the processor, a processing module to the transaction message based on the marker and input from a business rules engine using pre-defined logic;

accessing, by the processor using application code, the most recent processing information in a memory of the processing module, in order to execute the processing module; and

processing, by the processor, the transaction message by executing the processing module on the transaction message.

9. The article of claim 8 , wherein the transaction characteristic includes a merchant identifier, a transaction account identifier associated with the consumer, a transaction date, a transaction time, a monetary amount and a location.

10. The article of claim 8 , wherein the operations further comprise:

producing, by the processor, a processed transaction message in response to the processing the transaction message, wherein the processed transaction message comprises the marker; and

transmitting, by the processor, the processed transaction message to an external destination.

11. The method of claim 1 , wherein the processing the transaction message comprises at least one of validating a date and a time of the transaction, a monetary amount of the transaction, a transaction account used for the transaction, applying discounts to the transaction, applying fees to the transaction, or determining a payment date for the transaction.

12. The article of claim 10 , wherein the transaction message is assembled into an output file in response to the transmitting the processed transaction message.

13. The article of claim 8 , wherein the application code and the processing module do not access external databases for the processing information.

14. The article of claim 8 , wherein the processing module is a discount/fee processing module based on a monetary amount and a date of the transaction.

15. A system comprising:

a processor; and

a tangible, non-transitory memory configured to communicate with the processor,

the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:

receiving, by the processor, a plurality of input files from multiple merchants, wherein the plurality of input files includes an input file;

separating, by the processor, a transaction record from the input file to create a transaction message associated with a merchant, wherein the transaction message represents a transaction between the merchant and a consumer;

marking, by the processor, the transaction message with a marker identifying a transaction characteristic of the transaction message;

transmitting, by the processor, the transaction message to an input pipe of a plurality of input pipes, based on the marker associated with the transaction message;

transmitting, by the processor, the transaction message to a processing machine, in response to the processing machine having processing information for the merchant and based on the processing machine being appropriate for the marker;

updating, by the processor using an updating method of a synchronization system, the processing information to be a most recent processing information;

applying, by the processor, a processing module to the transaction message based on the marker and input from a business rules engine using pre-defined logic;

accessing, by the processor using application code, the most recent processing information in a memory of the processing module, in order to execute the processing module; and

processing, by the processor, the transaction message by executing the processing module on the transaction message.

16. The system of claim 15 , wherein the transaction characteristic includes a merchant identifier, a transaction account identifier associated with the consumer, a transaction date, a transaction time, a monetary amount and a location.

17. The system of claim 15 , wherein the operations further comprise:

producing, by the processor, a processed transaction message in response to the processing the transaction message, wherein the processed transaction message comprises the marker; and

transmitting, by the processor, the processed transaction message to an external destination.

18. The system of claim 15 , wherein the operations further comprise:

producing, by the processor, a processed transaction message in response to the processing the transaction message, wherein the processed transaction message comprises the marker; and

transmitting, by the processor, the processed transaction message to an output pipe associated with the marker.

19. The system of claim 18 , wherein the transaction message is assembled into an output file in response to the transmitting the processed transaction message.

20. The system of claim 15 , wherein the application code and the processing module do not access external databases for the processing information.