Efficient data processing using data aggregator

A system comprising:

• a processing computer, the processing computer comprising a processor and a computer readable medium, the computer readable medium comprising code executable by the processor for performing operations including:
• receiving a payout validate message for a transaction from an aggregator computer, which receives a payout inquiry message from an originator computer of a plurality of originator computers, the aggregator computer in communication with the plurality of originator computers, the payout inquiry message and the payout validate message comprising a transaction amount for the transaction;
• validating the payout validate message;
• responsive to validating the payout validate message, transmitting a payout validate response message to the aggregator computer, the payout validate response message comprising data regarding validation of the payout validate message;
• after transmitting the payout validate response message to the aggregator computer, receiving from the aggregator computer, a payout message;
• and
• responsive to validating the payout message, transmitting a payout response message to the aggregator computer.

A method comprising:

• receiving, by an aggregator computer, a payout inquiry message from an originator computer of a plurality of originator computers;
• transmitting, by the aggregator computer to a processing computer, a payout validate message for a transaction, which validates the payout validate message;
• receiving, by the aggregator computer from the processing computer, a payout validate response inessage comprising data regarding validation of the payout validate message;
• transmitting, by the aggregator computer, a payout message to the processing computer;
• and
• receiving, by the aggregator computer, a payout response message from the processing computer.