Abstract: The disclosure herein describes receiving and routing a remote procedure call (RPC) message from an external source. A microservice platform receives an RPC message from a source via an RPC interface, wherein the RPC message includes a header structure and a payload structure. The RPC message is validated based on security data in the header structure and the identity of the source is authenticated based on identity data in the header structure. A service interface function is triggered based on routing data in the payload structure and a multi-layer route and one of a plurality of microservices are identified. Payload data of the payload structure is routed through each of the ordered plurality of layers of the multi-layer route to the identified microservice, wherein each of the ordered plurality of layers and the microservice are configured to perform an operation using the payload data.

Abstract: The disclosure herein describes receiving and routing a remote procedure call (RPC) message from an external source. A microservice platform receives an RPC message from a source via an RPC interface, wherein the RPC message includes a header structure and a payload structure. The RPC message is validated based on security data in the header structure and the identity of the source is authenticated based on identity data in the header structure. A service interface function is triggered based on routing data in the payload structure and a multi-layer route and one of a plurality of microservices are identified. Payload data of the payload structure is routed through each of the ordered plurality of layers of the multi-layer route to the identified microservice, wherein each of the ordered plurality of layers and the microservice are configured to perform an operation using the payload data.

Abstract: An integrated record management (IRM) computing device is configured to receive and store incentive structures and a record of a credited amount to be credited to a pre-paid debit account associated with a user. The computing device is also configured to receive a first authorization request message for a transaction with a merchant, and compare a transaction amount of the transaction to a credited amount of funds identified in the record. When the transaction amount is greater than the credited amount of funds, the computing device modifies the first authorization request message to generate a second authorization request message and transmits the second authorization request message to an issuer of another payment account associated with the user for authorization processing. When the transaction amount is less than or equal to the credited amount of funds, the computing device initiates a pre-paid debit transaction with the merchant and excluding the issuer.