Patent ID: 9148447
Filing Date: 2015-09-29
Classification: H04L

Abstract:
1. An apparatus, comprising: an interface receives a service request directly from an endpoint, wherein the service request comprises a transaction parameter; a memory stores transaction rules corresponding to at least one type of service request; and a processor communicatively coupled to the interface, the processor to: determine the transaction parameter from the received service request; determine a plurality of subroutines for execution based on the transaction parameter, the plurality of subroutines comprising a first subroutine and a second subroutine; communicate a request to each of a plurality of data servers, the plurality of data servers comprising a first data server and a second data server, the first data server executing the first subroutine and the second data server executing the second subroutine and the first subroutine and the second subroutine are different; receive subroutine results from the plurality of data servers, the plurality of data servers configured to perform a transaction authorization subroutine, an authentication subroutine, an enrollment subroutine, an identity validation subroutine, and a securing device and channel subroutine, wherein the transaction authorization subroutine facilitates transferring funds between bank accounts, the authentication subroutine facilitates fraud prevention, the enrollment subroutine comprises a credit cheek, and the identity validation subroutine facilitates validating the identity of a user of the endpoint; when the subroutine results do not include at least one of an approval of the service request and a denial of the service request, apply context-specific rules to the service request based on instructive data specified in the subroutine results, the subroutine results comprising the instructive data; determine a response based on the subroutine results and the applied context-specific rules; and communicate the response to the endpoint.