THE PRINCIPLE OF SEPARATING THE LOAD AND TRANSACTION CIRCUITS TO PRESERVE CORE OPERATION UNDER EXTERNAL LOAD

Abstract

In mature banking systems, there is a trend towards separating the accounting function of the transactional core from the load profile of digital services operating in real time. The article discusses the idea of separating the load and transactional loop - the external load of requests is processed through the integration layer, while the core itself does not receive a high load directly. The purpose of the study is to formalize this principle, as well as to prove the possibility of its application in Russian banking practice. The research is based on a scheme of comparing architectural approaches, analyzing literature (peer–reviewed articles) and analyzing practice - an example from the author's own design activities as an architect of the solution. The results are the author's contour separation scheme; comparison of interaction options with the legacy core; visualization of well-known patterns through the prism of the developed principle and scheme for matching information in the contour and core. It is shown how the separation of circuits ensures the reliability of the system in high-load mode, as well as reduces the risk of migration to a domestic platform. The information reflected in the article will be useful to architects, system analysts and technical managers of banks and other organizations with critical information infrastructure.