Granted Patent B2

US 12,373,802 · App. 18/060,313 · Granted Jul 29, 2025

Inventors: William J. Wied (Austin, TX); Aman S. Cheema (Warwickshire, GB); Manuela Dragan (Westfield, NJ); Stephen E. Dinan (Austin, TX)

Assignee: Worldpay, LLC

G06Q20/027G06N20/00G06Q20/4016H04L45/42

Abstract

Claims (68)

1. A computer-implemented method of executing an electronic transaction routing by a real-time transaction system, wherein the real-time transaction system includes a routing system, a choreographer system, an entitlement query system, and a fraud monitoring system, the method comprising:

receiving, by the routing system, a payment request from the choreographer system;

transmitting, by the routing system, a query request to the entitlement query system and retrieving customer configuration data from the entitlement query system;

receiving, at the routing system, the customer configuration data from the entitlement query system in response to the query request;

determining, using the routing system, a plurality of paths for executing the payment request, wherein each of the plurality of paths comprise a different route through one or more servers associated with a transaction network;

selecting, using the routing system, an optimum path from the plurality of paths in accordance with a routing decision model, wherein the routing decision model is a rule-based engine based on processing time, processing cost, processing capabilities, and routing criteria;

receiving, by the routing system, a fraud profile of the electronic transaction from the fraud monitoring system;

determining, by the routing system, a value of the payment request exceeds a predefined threshold for one or more of the plurality of paths, wherein the value of the payment request is split across the plurality of paths based on the predefined threshold;

adjusting, by the routing system, the optimum path based on the fraud profile of the electronic transaction and the split value of the payment request;

publishing, using the routing system, the adjusted optimum path to an event-topic stream;

transmitting, using the routing system via the event-topic stream, a generated informational message based on the adjusted optimum path to a customer based on the customer configuration data;

receiving, using the routing system, a confirmation of the adjusted optimum path based on the generated informational message; and

executing, using the routing system, the payment request via the adjusted optimum path.

2. The computer-implemented method of claim 1 , wherein the customer configuration data affects a routing path and/or a timing of the payment request.

3. The computer-implemented method of claim 1 , wherein the entitlement query system utilizes a Structured Query Language (SQL) to communicate with a database that contains the customer configuration data.

4. The computer-implemented method of claim 1 , wherein selecting the optimum path further comprises processing the payment request and the customer configuration data through the routing decision model.

5. The computer-implemented method of claim 1 , wherein the generated informational message comprises information associated with the optimum path prior to execution of the payment request.

6. The computer-implemented method of claim 1 , wherein the executing comprises:

scheduling, via an application programming interface (API) call, processing of the payment request across the transaction network;

transmitting, subsequent to the scheduling, the payment request to a network/scheme adaptor based on the optimum path; and

further transmitting, via the network/scheme adaptor, a market specific payment scheme implementation in the transaction network to execute the payment request.

7. The computer-implemented method of claim 6 , wherein the scheduling the processing of the payment request comprises scheduling at an immediate time or at a future time.

8. A real-time transaction system for executing an electronic transaction routing, comprising:

one or more computer readable media storing instructions for executing a real-time electronic transaction;

a routing system, a choreographer system, an entitlement query system, and a fraud monitoring system; and

one or more processors configured to execute the instructions to perform operations comprising:

receiving, by the routing system, a payment request from the choreographer system;

transmitting, by the routing system, a query request to the entitlement query system and retrieving customer configuration data from the entitlement query system;

receiving, at the routing system, the customer configuration data from the entitlement query system in response to the query request;

determining, using the routing system, a plurality of paths for executing the payment request, wherein each of the plurality of paths comprise a different route through one or more servers associated with a transaction network;

selecting, using the routing system, an optimum path from the plurality of paths in accordance with a routing decision model, wherein the routing decision model is a rule-based engine based on processing time, processing cost, processing capabilities, and routing criteria;

receiving, by the routing system, a fraud profile of the electronic transaction from the fraud monitoring system;

determining, by the routing system, a value of the payment request exceeds a predefined threshold for one or more of the plurality of paths, wherein the value of the payment request is split across the plurality of paths based on the predefined threshold;

adjusting, by the routing system, the optimum path based on the fraud profile of the electronic transaction and the split value of the payment request;

publishing, using the routing system, the adjusted optimum path to an event-topic stream;

transmitting, using the routing system via the event-topic stream, a generated informational message based on the adjusted optimum path to a customer based on the customer configuration data;

receiving, using the routing system, a confirmation of the adjusted optimum path based on the generated informational message; and

executing, using the routing system, the payment request via the adjusted optimum path.

9. The real-time transaction system of claim 8 , wherein the customer configuration data affects a routing path and/or a timing of the payment request.

10. The real-time transaction system of claim 8 , wherein the entitlement query system utilizes a Structured Query Language (SQL) to communicate with a database that contains the customer configuration data.

11. The real-time transaction system of claim 8 , wherein selecting the optimum path comprises processing the payment request and the customer configuration data through the routing decision model.

12. The real-time transaction system of claim 8 , wherein the generated informational message comprises information associated with the optimum path prior to execution of the payment request.

13. The real-time transaction system of claim 12 , wherein the executing comprises:

scheduling, via an application programming interface (API) call, processing of the payment request across the transaction network;

transmitting, subsequent to the scheduling, the payment request to a network/scheme adaptor based on the optimum path; and

further transmitting, via the network/scheme adaptor, a market specific payment scheme implementation in the transaction network to execute the payment request.

14. The real-time transaction system of claim 13 , wherein the scheduling the processing of the payment request comprises scheduling at an immediate time or at a future time.

15. A non-transitory computer-readable medium storing instructions for executing electronic transaction routing by a real-time transaction system, wherein the real-time transaction system includes a routing system, a choreographer system, an entitlement query system, and a fraud monitoring system, the instructions, when executed by one or more processors, causing the one or more processors to perform operations, comprising:

receiving, by the routing system, a payment request from the choreographer system;

transmitting, by the routing system, a query request to the entitlement query system and retrieving customer configuration data from the entitlement query system;

receiving, at the routing system, the customer configuration data from the entitlement query system in response to the query request;

determining, using the routing system, a plurality of paths for executing the payment request, wherein each of the plurality of paths comprise a different route through one or more servers associated with a transaction network;

selecting, using the routing system, an optimum path from the plurality of paths in accordance with a routing decision model, wherein the routing decision model is a rule-based engine based on processing time, processing cost, processing capabilities, and routing criteria;

receiving, by the routing system, a fraud profile of the electronic transaction from the fraud monitoring system;

determining, by the routing system, a value of the payment request exceeds a predefined threshold for one or more of the plurality of paths, wherein the value of the payment request is split across the plurality of paths based on the predefined threshold;

adjusting, by the routing system, the optimum path based on the fraud profile of the electronic transaction and the split value of the payment request;

publishing, using the routing system, the adjusted optimum path to an event-topic stream;

transmitting, using the routing system via the event-topic stream, a generated informational message based on the adjusted optimum path to a customer based on the customer configuration data;

receiving, using the routing system, a confirmation of the adjusted optimum path based on the generated informational message; and

executing, using the routing system, the payment request via the adjusted optimum path.

16. The non-transitory computer-readable medium of claim 15 , wherein the customer configuration data affects a routing path and/or a timing of the payment request.

17. The non-transitory computer-readable medium of claim 15 , wherein the entitlement query system utilizes a Structured Query Language (SQL) to communicate with a database that contains the customer configuration data.

18. The non-transitory computer-readable medium of claim 15 , wherein selecting the optimum path comprises processing the payment request and the customer configuration data through the routing decision model.

19. The non-transitory computer-readable medium of claim 15 , wherein the generated informational message comprises information associated with the optimum path prior to execution of the payment request.

20. The non-transitory computer-readable medium of claim 15 , wherein the executing comprises:

scheduling, via an application programming interface (API) call, processing of the payment request across the transaction network;

transmitting, subsequent to the scheduling, the payment request to a network/scheme adaptor based on the optimum path; and

further transmitting, via the network/scheme adaptor, a market specific payment scheme implementation in the transaction network to execute the payment request.

Assignments (5)

Continuity (2)

References Cited (17)