Systems and methods for receiving, transforming, and routing messages in real time

A non-transitory computer readable storage medium, including instructions stored thereon, which when read and executed by one or more computer processors, cause the one or more computer processors to perform steps comprising:

• receiving an instruction;
• identifying a destination ledgering platform for the instruction;
• re-formatting the instruction to generate a posting;
• routing the posting to a messaging ingestion platform;
• routing the posting to the destination ledgering platform;
• consuming the posting and updating account balances;
• publishing the posting and the account balances to a messaging queue;
• receiving the posting and the account balances from the messaging queue;
• dynamically consuming the posting;
• retrieving a consumer profile;
• re-formatting the posting based on the consumer profile;
• generating a new message for the re-formatted posting;
• and
• publishing the new message to a messaging queue, wherein a consuming application consumes the new message.

A system, comprising:

• a plurality of processing platforms;
• a messaging ingestion platform;
• a ledgering platform comprising a plurality of ledgers;
• a messaging consumption platform;
• and
• a plurality of consuming applications;
• wherein:
• one of the processing platforms is configured to receive an instruction via a supported channel, to identify a destination ledgering platform for the instruction, to re-format the instruction to generate a posting, and to route the postings to a messaging ingestion platform;
• the messaging ingestion platform is configured to route the posting to one of the plurality of ledgers in the ledgering platform;
• the ledger is configured to consume the posting, update account balances, and publish the posting and the account balances to a messaging queue;
• the messaging consumption platform is configured to receive the posting and the account balances from the messaging queue, dynamically consume the posting, retrieve a consumer profile, re-format the posting based on the consumer profile, generate a new message for the re-formatted posting, and publish the new message to a messaging queue;
• one of the consuming applications is configured to consume the new message.