Abstract: Systems and methods for executing real-time electronic transactions by a dynamically determined transfer execution date are disclosed. One method includes receiving, at an application programing interface (API) system, an electronic transaction request on a receipt date. The API system may identify a value associated with the electronic transaction request as well as a threshold settlement date. The value may then be compared to a predetermined threshold and at least one transaction network certified to process the electronic transaction request may be ascertained. The API system may project a processing time for each of the ascertained transaction networks. An optimal transaction network and transfer execution date may be determined based on comparison of the projected processing times to a timeline designated by the receipt date and the threshold settlement date. The electronic transaction request may be processed into a recipient account on the transfer execution date via the optimal transaction network.

Abstract: Systems and methods for executing real-time electronic transactions by a dynamically determined transfer execution date are disclosed. One method includes receiving, at an application programing interface (API) system, an electronic transaction request on a receipt date. The API system may identify a value associated with the electronic transaction request as well as a threshold settlement date. The value may then be compared to a predetermined threshold and at least one transaction network certified to process the electronic transaction request may be ascertained. The API system may project a processing time for each of the ascertained transaction networks. An optimal transaction network and transfer execution date may be determined based on comparison of the projected processing times to a timeline designated by the receipt date and the threshold settlement date. The electronic transaction request may be processed into a recipient account on the transfer execution date via the optimal transaction network.

Abstract: Systems and methods for importing a batch of receiver accounts. One method may include: receiving, at a user interface of the application platform on an information handling device, a selection to import a receiver file, wherein the receiver file comprises a listing of a plurality of receiver accounts; identifying, via analysis of the receiver file, one or more data points associated with each of the plurality of receiver accounts in the listing; determining, based on the identified one or more data points, whether a subset of the plurality of receiver accounts contain a deficiency; and providing, on the user interface of the application platform, results associated with the determining.

Abstract: Systems and methods of executing a real-time electronic transaction by a real-time transaction system are disclosed. One method includes receiving, by a routing system, an electronic transaction request from a user. The routing system may receive routing configuration data from a data query system. The routing system may determine an optimal path for executing the electronic transaction request in accordance with a routing decision model and the routing configuration data. The routing system may transmit the electronic transaction request to a transaction network via the optimal path. The routing system may generate a transaction route data based on the optimal path. The routing system may transmit the transaction route data to a transaction event-topic stream.

Abstract: Systems and methods of executing a real-time electronic transaction by a real-time transaction system are disclosed. One method includes receiving, by an application programing interface (API) system, an electronic transaction request from a user. The API system may transmit the electronic transaction request to a choreographer system. The choreographer system may transmit a validation API call based on the electronic transaction request to an account system. The account system may determine whether an account associated with the electronic transaction request exists in the real-time transaction system. The choreographer system may transmit an authorization API call based on the electronic transaction request to an authorization system. The choreographer system may receive an authorization response from the authorization system.

Abstract: Systems and methods of executing a real-time electronic transaction by a real-time transaction system are disclosed. One method includes receiving, by an application programing interface (API) system, an electronic transaction request from a user. The API system may transmit the electronic transaction request to a choreographer system. The choreographer system may transmit a validation API call based on the electronic transaction request to an account system. The account system may determine whether an account associated with the electronic transaction request exists in the real-time transaction system. The choreographer system may transmit an authorization API call based on the electronic transaction request to an authorization system. The choreographer system may receive an authorization response from the authorization system.

Abstract: Systems and methods of executing a real-time electronic transaction by a UI platform are disclosed. One method includes receiving an input selection by a user to indicate an originating account, receiving account, and payment amount. The system may transmit an option for the user to carry out the transaction by using a default payment setting, and upon the user selecting this option, determining the default payment setting, payment time or date, and a transaction cost, and displaying these to user. Alternatively, the system may transmit an option for the user to carry out the electronic transaction by the user defining the payment setting, and upon selection of this choice, performing payment optimization logic to display available payment settings, receiving a selection from the user of the chosen payment setting, and displaying the payment setting including the originating account, receiving account, payment amount, delivery time or date, and transaction cost.

Abstract: Systems and methods of executing a real-time electronic transaction by a real-time transaction system are disclosed. One method includes receiving, by a routing system, an electronic transaction request from a user. The routing system may receive routing configuration data from a data query system. The routing system may determine an optimal path for executing the electronic transaction request in accordance with a routing decision model and the routing configuration data. The routing system may transmit the electronic transaction request to a transaction network via the optimal path. The routing system may generate a transaction route data based on the optimal path. The routing system may transmit the transaction route data to a transaction event-topic stream.

Abstract: Systems and methods of executing a real-time electronic transaction by a UI platform are disclosed. One method includes receiving an input selection by a user to indicate an originating account, receiving account, and payment amount. The system may transmit an option for the user to carry out the transaction by using a default payment setting, and upon the user selecting this option, determining the default payment setting, payment time or date, and a transaction cost, and displaying these to user. Alternatively, the system may transmit an option for the user to carry out the electronic transaction by the user defining the payment setting, and upon selection of this choice, performing payment optimization logic to display available payment settings, receiving a selection from the user of the chosen payment setting, and displaying the payment setting including the originating account, receiving account, payment amount, delivery time or date, and transaction cost.

Abstract: A method for payment transaction monitoring in a real-time payments system includes receiving a payment transaction; assigning an identifier to the payment transaction; associating an event with the identifier at each step of processing the payment transaction; recording the event with the identifier in real-time as the event occurs; monitoring the events in real-time to determine whether a payment transaction stop condition exists; and stopping processing of the payment transaction on a condition that the payment transaction stop condition exists.

Abstract: A method for payment transaction monitoring in a real-time payments system includes receiving a payment transaction; assigning an identifier to the payment transaction; associating an event with the identifier at each step of processing the payment transaction; recording the event with the identifier in real-time as the event occurs; monitoring the events in real-time to determine whether a payment transaction stop condition exists; and stopping processing of the payment transaction on a condition that the payment transaction stop condition exists.

Abstract: A method for payment transaction monitoring in a real-time payments system includes receiving a payment transaction; assigning an identifier to the payment transaction; associating an event with the identifier at each step of processing the payment transaction; recording the event with the identifier in real-time as the event occurs; monitoring the events in real-time to determine whether a payment transaction stop condition exists; and stopping processing of the payment transaction on a condition that the payment transaction stop condition exists.

Abstract: A method for payment transaction monitoring in a real-time payments system includes receiving a payment transaction; assigning an identifier to the payment transaction; associating an event with the identifier at each step of processing the payment transaction; recording the event with the identifier in real-time as the event occurs; monitoring the events in real-time to determine whether a payment transaction stop condition exists; and stopping processing of the payment transaction on a condition that the payment transaction stop condition exists.

Abstract: A method for payment transaction monitoring in a real-time payments system includes receiving a payment transaction; assigning an identifier to the payment transaction; associating an event with the identifier at each step of processing the payment transaction; recording the event with the identifier in real-time as the event occurs; monitoring the events in real-time to determine whether a payment transaction stop condition exists; and stopping processing of the payment transaction on a condition that the payment transaction stop condition exists.

Abstract: Systems and methods for importing a batch of receiver accounts. One method may include: receiving, at a user interface of the application platform on an information handling device, a selection to import a receiver file, wherein the receiver file comprises a listing of a plurality of receiver accounts; identifying, via analysis of the receiver file, one or more data points associated with each of the plurality of receiver accounts in the listing; determining, based on the identified one or more data points, whether a subset of the plurality of receiver accounts contain a deficiency; and providing, on the user interface of the application platform, results associated with the determining.

Abstract: Systems and methods for importing a batch of receiver accounts. One method may include: receiving, at a user interface of the application platform on an information handling device, a selection to import a receiver file, wherein the receiver file comprises a listing of a plurality of receiver accounts; identifying, via analysis of the receiver file, one or more data points associated with each of the plurality of receiver accounts in the listing; determining, based on the identified one or more data points, whether a subset of the plurality of receiver accounts contain a deficiency; and providing, on the user interface of the application platform, results associated with the determining.