Transaction exchange platform with classification microservice to generate alternative workflows

Patent metadata

Field	Value
Publication number	US-12493619-B2
Application number	US-202418748448-A
Country	US
Kind code	B2
Filing date	Jun 20, 2024
Priority date	Jul 7, 2022
Publication date	Dec 9, 2025
Grant date	Dec 9, 2025

Abstract

Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions in accordance with corresponding workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Further, the microservices may leverage machine-learning models to determine whether transaction objects may be more effectively processed using alternative or secondary workflows. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for dynamic and flexible reconfiguration of workflows.

First claim

The invention claimed is:

1 . A computer-implemented method comprising:
receiving, by a streaming data platform, a transaction object corresponding to a transaction, wherein the transaction object comprises transaction metadata indicating a workflow corresponding to a transaction type of the transaction object, wherein the workflow comprises a first plurality of processing steps to process the transaction; determining, by a classification microservice and based on transaction details associated with the transaction object, whether the transaction object comprises information that would allow the transaction object to be processed via an alternative workflow, wherein the alternative workflow comprises a second plurality of processing steps to process the transaction differently from the first plurality of processing steps; changing, by the classification microservice, the indication of the workflow to the alternative workflow; processing, by a microservice associated with the alternative workflow and based on a determination that a current workflow stage of the transaction object matches a first workflow stage associated with the microservice, the transaction object; determining that the current workflow stage of the transaction object indicates that the transaction object has completed processing corresponding to the alternative workflow; and removing the transaction object from the streaming data platform and outputting the transaction object and an indication that the transaction object has completed the processing corresponding to the alternative workflow to a downstream system.

2 . The computer-implemented method of claim 1 , wherein the classification microservice uses one or more machine-learning models when determining whether the transaction object can be processed via an alternative workflow.

3 . The computer-implemented method of claim 2 , further comprising:
training the one or more machine-learning models based on a plurality of previously processed transaction objects, wherein each of the plurality of previously processed transaction objects comprises a transaction score.

4 . The computer-implemented method of claim 2 , further comprising:
dividing a plurality of previously processed transaction objects into a plurality of transaction clusters corresponding to different transaction types; and training the one or more machine-learning models using different sets of the plurality of transaction clusters.

5 . The computer-implemented method of claim 1 , further comprising:
determining, by the classification microservice and using one or more machine-learning models, a first transaction score for processing the transaction object according to the workflow corresponding to the transaction type; and determining, by the classification microservice and using the one or more machine-learning models, a second transaction score for processing the transaction object according to the alternative workflow corresponding to the transaction type, wherein the determination that the transaction object can be processed via an alternative workflow is further based on an indication that the second transaction score represents a more cost-effective approach than the first transaction score.

6 . The computer-implemented method of claim 1 , wherein the determination that the transaction object can be processed via an alternative workflow is further based on at least one of: a payment value of the transaction, a deadline for the transaction, a security level of the transaction, or a cost of the transaction.

7 . The computer-implemented method of claim 1 , wherein the determination that the transaction object can be processed via an alternative workflow further comprises at least one of:
determining a transaction deadline for the transaction; or determining, using one or more machine-learning models, an estimated time of completion for the transaction.

8 . One or more non-transitory computer readable media comprising instructions that, when executed by at least one processor, cause a computing device to perform operations comprising:
receiving a transaction object corresponding to a transaction, wherein the transaction object comprises transaction metadata indicating a workflow corresponding to a transaction type of the transaction object, wherein the workflow comprises a first plurality of processing steps to process the transaction; determining, by a classification microservice and based on transaction details associated with the transaction object, whether the transaction object comprises information that would allow the transaction object to be processed via an alternative workflow, wherein the alternative workflow comprises a second plurality of processing steps to process the transaction differently from the first plurality of processing steps; changing, by the classification microservice, the indication of the workflow to the alternative workflow; processing, by a microservice associated with the alternative workflow and based on a determination that a current workflow stage of the transaction object matches a first workflow stage associated with the microservice, the transaction object; determining that the current workflow stage of the transaction object indicates that the transaction object has completed processing corresponding to the alternative workflow; and outputting the transaction object with an indication that the transaction object has completed the processing corresponding to the alternative workflow to a downstream system.

9 . The one or more non-transitory computer readable media of claim 8 , wherein the classification microservice uses one or more machine-learning models when determining whether the transaction object can be processed via an alternative workflow.

10 . The one or more non-transitory computer readable media of claim 9 , wherein the instructions, when executed by the at least one processor, cause the computing device to perform operations further comprising:
training the one or more machine-learning models based on a plurality of previously processed transaction objects, wherein each of the plurality of previously processed transaction objects comprises a transaction score.

11 . The one or more non-transitory computer readable media of claim 9 , wherein the instructions, when executed by the at least one processor, cause the computing device to perform operations further comprising:
dividing a plurality of previously processed transaction objects into a plurality of transaction clusters corresponding to different transaction types; and training the one or more machine-learning models using different sets of the plurality of transaction clusters.

12 . The one or more non-transitory computer readable media of claim 9 , wherein the determination that the transaction object can be processed via an alternative workflow is further based on a payment value of the transaction, a deadline for the transaction, a security level of the transaction, or a cost of the transaction.

13 . The one or more non-transitory computer readable media of claim 8 , wherein the instructions, when executed by the at least one processor, cause the computing device to perform operations further comprising:
determining, by the classification microservice and using one or more machine-learning models, a first transaction score for processing the transaction object according to the workflow corresponding to the transaction type; and determining, by the classification microservice and using the one or more machine-learning models, a second transaction score for processing the transaction object according to the alternativ

Assignees

• Capital One Services Llc

Inventors

• Srivastava Nishant
• Condon Joshua
• Barnum Eric K

Classifications

• G06F9/467

  Transactional memory (G06F9/528 takes precedence) · CPC title

• G06F16/24568 Primary

  Data stream processing; Continuous queries · CPC title

• G06Q40/02

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• G06Q20/102

  Bill distribution or payments · CPC title

• G06N20/00

  Machine learning · CPC title