Processing Zelle payments

When processing originated Zelle payments and payment requests, there are multiple asynchronous processes that occur in order to process the payment. These asynchronous processes must work within the boundaries of a synchronous process so that responses can be delivered to the users of the Zelle web services.

The Zelle payment process includes the following actions:
  1. A user originates a Zelle payment using a synchronous Zelle web service request.
  2. FTM processes the web service calls that are required to create the payment or payment request.
  3. FTM provides a response to the synchronous web service request.

A combination of IBM® MQ processes, Transaction Server scheduler stanzas, and Zelle application processing updates are used to provide the architectural process.