US 12,443,958 B2
Systems and methods for executing real-time electronic transactions using API calls
William J. Wied, Austin, TX (US); Aman S. Cheema, Warwickshire (GB); Manuela Dragan, Westfield, NJ (US); and Stephen Dinan, Austin, TX (US)
Assigned to Worldpay, LLC, Symmes Township, OH (US)
Filed by Worldpay, LLC, Symmes Township, OH (US)
Filed on Jun. 13, 2023, as Appl. No. 18/333,723.
Application 18/333,723 is a continuation of application No. 17/142,693, filed on Jan. 6, 2021, granted, now 11,715,104.
Prior Publication US 2023/0342778 A1, Oct. 26, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06F 9/54 (2006.01); G06Q 20/38 (2012.01)
CPC G06Q 20/4014 (2013.01) [G06F 9/547 (2013.01); G06Q 20/386 (2020.05)] 20 Claims
OG exemplary drawing
 
1. A system for facilitating a real-time electronic transaction, the system comprising:
one or more processors; and
a data storage comprising instructions which, when executed by the one or more processors, cause the one or more processors to perform operations comprising:
receiving, by an application programing interface (API) system, an electronic transaction request from a requestor system;
verifying, by the API system, an authenticity of the requestor system using an identity provider of a transaction processor;
transmitting, by the API system, the electronic transaction request to a choreographer system, wherein the choreographer system is configured to choreograph steps for processing the real-time electronic transaction;
verifying, by the choreographer system, permission information associated with the requestor system to access data related to the electronic transaction request;
transmitting, by the choreographer system, an internal API call based on the electronic transaction request to an authorization system;
receiving, by the choreographer system, an authorization response from the authorization system, wherein the authorization response indicates the requestor system is permitted to perform the electronic transaction request;
transmitting, by the choreographer system, the electronic transaction request to an intelligent routing system;
accessing, in real time by the intelligent routing system and in a database in electronic communication with the intelligent routing system, configuration data of the requestor system and a plurality of transaction event data of the choreographer system;
providing, by a processor of the intelligent routing system, the configuration data, the plurality of transaction event data, data of the electronic transaction request, and a plurality of real-time user preferences to a routing decision model of the intelligent routing system, wherein the routing decision model identifies a fastest route for routing the electronic transaction request based on the configuration data, the plurality of transaction event data, the data of the electronic transaction request, the plurality of real-time user preferences, and scheme capabilities; and
routing, by the intelligent routing system, the electronic transaction request to the identified fastest route.