Unified Interoperable Payment System for Cost-Effective Real-Time Financial Transactions

Abstract

A computing system executes real-time transactions across multiple settlement rails through a unified API. A transaction request includes a dynamic alias token validated by an HSM and expiring within 30 seconds. Canonical fields are mapped into ISO 20022 PACS.008.001.08, with a compliance code embedded in SplmtryData. The system computes rail health scores every 500 ms and retransmits the same EndToEndId-identified message to alternate rails if acknowledgments exceed 150 ms or availability falls below a threshold. Transactions may be initiated using dynamic scannable codes. The architecture supports replay protection, ISO and non-ISO translations, and optional modules for cross-border or programmable settlement.

CPC Classifications