Modular settlement distribution architecture and methods

A resource routing (RR) computing device comprising at least one memory and at least one processor communicatively coupled to the at least one memory, the RR computing device modularly coupled to and in network communication with a plurality of parallel settlement routes such that the RR computing device is at least one of a same input node to each of the plurality of settlement routes or a same output node from each of the plurality of settlement routes, the at least one processor programmed to:

• receive an initiation message including a transaction identifier (TID) and a product code associated with a completed transaction;
• in response to receiving the initiation message, execute a settlement engine having access to a modular distribution message template;
• query, by the settlement engine, a remote data aggregator using the TID, to cause the remote data aggregator to return a resource channel indicator, indicating a type of a resource channel used in the completed transaction, and limited data elements that are associated with the resource channel type;
• based on the resource channel indicator, populate, by the settlement engine, the modular distribution message template with the TID, the product code, and the limited data elements to generate a distribution message;
• based on the resource channel indicator, route, by the settlement engine, the distribution message to a corresponding first settlement route of the plurality of settlement routes;
• receive a second initiation message including a second TID and a second product code associated with a second completed transaction;
• in response to receiving the second initiation message, execute the settlement engine;
• query, by the settlement engine, the remote data aggregator using the second TID, to cause the remote data aggregator to return a second resource channel indicator, indicating a different type of a resource channel used in the second completed transaction, and different limited data elements that are associated with the different resource channel type;
• based on the second resource channel indicator, populate, by the settlement engine, the modular distribution message template with the second TID, the second product code, and the different limited data elements to generate a second distribution message;
• and
• based on the second resource channel indicator, route, by the settlement engine, the distribution message to a corresponding second settlement route of the plurality of settlement routes, the second settlement route different from the first settlement route.

A computer-implemented method for settlement distribution, the method implemented using a resource routing (RR) computing device including a memory and a processor communicatively coupled to the memory, the RR computing device modularly coupled to and in network communication with a plurality of parallel settlement routes such that the RR computing device is at least one of a same input node to each of the plurality of settlement routes or a same output node from each of the plurality of settlement routes, the method comprising:

• receiving an initiation message including a transaction identifier (TID) and a product code associated with a completed transaction;
• in response to receiving the initiation message, executing a settlement engine having access to a modular distribution message template;
• querying, by the settlement engine, a remote data aggregator using the TID, to cause the remote data aggregator to return a resource channel indicator, indicating a type of a resource channel used in the completed transaction, and limited data elements that are associated with the resource channel type;
• based on the resource channel indicator, populating, by the settlement engine, the modular distribution message template with the TID, the product code, and the limited data elements to generate a distribution message;
• based on the resource channel indicator, routing, by the settlement engine, the distribution message to a corresponding first settlement route of the plurality of settlement routes;
• receiving a second initiation message including a second TID and a second product code associated with a second completed transaction;
• in response to receiving the second initiation message, executing the settlement engine;
• querying, by the settlement engine, the remote data aggregator using the second TID, to cause the remote data aggregator to return a second resource channel indicator, indicating a different type of a resource channel used in the second completed transaction, and different limited data elements that are associated with the different resource channel type;
• based on the second resource channel indicator, populating, by the settlement engine, the modular distribution message template with the second TID, the second product code, and the different limited data elements to generate a second distribution message;
• and
• based on the second resource channel indicator, routing, by the settlement engine, the distribution message to a corresponding second settlement route of the plurality of settlement routes, the second settlement route different from the first settlement route.