System in the middle transaction processor

A transaction management system comprising one or more computers and one or more storage devices on which are stored instructions that are operable, when executed by the one or more computers, to cause the one or more computers to perform operations comprising:

• maintaining, in memory, a threshold criteria that i) is for a corresponding second entity from a plurality of second entities, ii) is for a subset of products or services for which a first entity provides transactions, iii) was received from a second system for the second entity, and iv) if not satisfied would cause the transaction management system to determine to skip accessing data for the second entity to complete a transaction;
• receiving, from a first system for the first entity using a network, data for a transaction a) for a user account, b) at the first entity that performs transactions for a plurality of products, services, or a combination of both, from the plurality of second entities and c) for a product or service provided by the corresponding second entity from the plurality of second entities;
• determining whether the transaction for the user account at the first entity satisfies the threshold criteria that i) is for the corresponding second entity from the plurality of second entities, ii) is for the subset of the products or services for which the first entity provides transactions, iii) was received from the second system for the second entity, and iv) if not satisfied would cause the transaction management system to determine to skip accessing data for the second entity to complete a transaction;
• in response to determining that the transaction for the user account at the first entity satisfies the threshold criteria for the corresponding second entity:
• accessing, from one or more databases included in the transaction management system, account data for the user account, first data for the first entity, and second data for the corresponding second entity to complete the transaction, the accessing comprising:
• accessing the first data for the first entity stored in a first database in the transaction management system;
• accessing the second data for the corresponding second entity stored in a second database in the transaction management system;
• and
• accessing the account data for the user account stored in a third database in the transaction management system;
• retrieving, from a first external system and using the network and the account data, user transaction data;
• retrieving, from a second external system and using the network and the second data for the corresponding second entity that provides the product or service, product or service provider data;
• and
• completing the transaction by providing, to another system for the first entity and using the first data, the user transaction data and the product or service provider data.

One or more non-transitory computer storage media encoded with instructions that, when executed by one or more computers that implement a transaction management system, cause the one or more computers to perform operations comprising:

• maintaining, in memory, a threshold criteria that i) is for a corresponding second entity from a plurality of second entities, ii) is for a subset of products or services for which a first entity provides transactions, iii) was received from a second system for the second entity, and iv) if not satisfied would cause the transaction management system to determine to skip accessing data for the second entity to complete a transaction;
• receiving, from a first system for the first entity using a network, data for a transaction a) for a user account, b) at the first entity that performs transactions for a plurality of products, services, or a combination of both, from the plurality of second entities and c) for a product or service provided by the corresponding second entity from the plurality of second entities;
• determining whether the transaction for the user account at the first entity satisfies the threshold criteria that i) is for the corresponding second entity from the plurality of second entities, ii) is for the subset of the products or services for which the first entity provides transactions, iii) was received from the second system for the second entity, and iv) if not satisfied would cause the transaction management system to determine to skip accessing data for the second entity to complete a transaction;
• in response to determining that the transaction for the user account at the first entity satisfies the threshold criteria for the corresponding second entity:
• accessing, from one or more databases included in the transaction management system, account data for the user account, first data for the first entity, and second data for the corresponding second entity to complete the transaction, the accessing comprising:
• accessing the first data for the first entity stored in a first database in the transaction management system;
• accessing the second data for the corresponding second entity stored in a second database in the transaction management system;
• and
• accessing the account data for the user account stored in a third database in the transaction management system;
• retrieving, from a first external system and using the network and the account data, user transaction data;
• retrieving, from a second external system and using the network and the second data for the corresponding second entity that provides the product or service, product or service provider data;
• and
• completing the transaction by providing, to another system for the first entity and using the first data, the user transaction data and the product or service provider data.