Real-Time vs. Batch Processing: Choosing the Right Check Verification Strategy

class RealTimeProcessor {
    
    async processCheckDeposit(checkData) {
        const startTime = Date.now();
        
        try {
            // Parallel processing for speed
            const [ocrResult, fraudCheck, routingValidation] = await Promise.all([
                this.performOCR(checkData.image),
                this.checkFraudIndicators(checkData),
                this.validateRoutingNumber(checkData.routingNumber)
            ]);
            
            // Real-time decision engine
            const decision = await this.makeAvailabilityDecision({
                ocrResult,
                fraudCheck,
                routingValidation,
                customerProfile: checkData.customer,
                depositAmount: checkData.amount
            });
            
            const processingTime = Date.now() - startTime;
            
            return {
                decision: decision.approved ? 'APPROVED' : 'HOLD',
                availabilityTime: decision.approved ? 'IMMEDIATE' : decision.holdUntil,
                confidence: decision.confidence,
                processingTime: processingTime,
                riskScore: decision.riskScore
            };
            
        } catch (error) {
            // Fallback to conservative approach
            return {
                decision: 'HOLD',
                availabilityTime: 'NEXT_BUSINESS_DAY',
                error: error.message,
                processingTime: Date.now() - startTime
            };
        }
    }
    
    async makeAvailabilityDecision(data) {
        const riskFactors = this.calculateRiskFactors(data);
        const customerTier = this.getCustomerTier(data.customerProfile);
        
        // Business rules for real-time availability
        if (riskFactors.score < 0.3 && customerTier >= 3 && data.depositAmount < 5000) {
            return {
                approved: true,
                confidence: 0.95,
                riskScore: riskFactors.score,
                availabilityAmount: Math.min(data.depositAmount, 200) // Immediate partial
            };
        }
        
        return {
            approved: false,
            holdUntil: this.calculateHoldPeriod(riskFactors),
            confidence: 0.85,
            riskScore: riskFactors.score
        };
    }
}

const realTimeRequirements = {
    latency: {
        target: "< 2 seconds",
        maximum: "< 5 seconds",
        timeout: "10 seconds"
    },
    
    availability: {
        uptime: "99.95%", // 4.38 hours downtime/year
        failover: "< 30 seconds",
        gracefulDegradation: true
    },
    
    throughput: {
        peakTPM: 1000, // Transactions per minute
        sustainedTPM: 500,
        burstCapacity: "2x for 5 minutes"
    },
    
    infrastructure: {
        autoScaling: true,
        multiRegion: true,
        caching: "Redis cluster",
        database: "Read replicas"
    }
};

class HybridProcessor {
    
    determineProcessingStrategy(deposit) {
        const factors = this.analyzeDeposit(deposit);
        
        // Decision matrix for processing route
        const strategy = this.applyBusinessRules({
            amount: deposit.amount,
            customerTier: factors.customerTier,
            riskScore: factors.riskScore,
            timeOfDay: factors.timeOfDay,
            accountHistory: factors.accountHistory,
            depositFrequency: factors.depositFrequency
        });
        
        return strategy;
    }
    
    applyBusinessRules(factors) {
        // Real-time processing criteria
        if (this.qualifiesForRealTime(factors)) {
            return {
                type: 'real_time',
                priority: 'high',
                availabilityTier: this.calculateAvailabilityTier(factors)
            };
        }
        
        // Express batch processing (next business hour)
        if (this.qualifiesForExpressBatch(factors)) {
            return {
                type: 'express_batch',
                priority: 'medium',
                processingWindow: 'next_hour'
            };
        }
        
        // Standard batch processing
        return {
            type: 'standard_batch',
            priority: 'standard',
            processingWindow: 'daily'
        };
    }
    
    qualifiesForRealTime(factors) {
        return (
            factors.amount <= 1000 &&
            factors.customerTier >= 3 &&
            factors.riskScore < 0.3 &&
            factors.accountHistory.avgBalance > 5000 &&
            this.isBusinessHours()
        );
    }
    
    qualifiesForExpressBatch(factors) {
        return (
            factors.amount <= 5000 &&
            factors.customerTier >= 2 &&
            factors.riskScore < 0.6 &&
            factors.depositFrequency > 2 // deposits per month
        );
    }
}

class DynamicScheduler {
    
    constructor() {
        this.loadFactors = this.initializeLoadMonitoring();
        this.businessRules = this.loadBusinessRules();
    }
    
    optimizeProcessingSchedule() {
        const currentLoad = this.getCurrentSystemLoad();
        const queueDepth = this.getQueueDepth();
        const timeToNextWindow = this.getTimeToNextWindow();
        
        // Dynamic adjustment based on system capacity
        if (currentLoad < 0.6 && queueDepth > 1000) {
            // System has capacity, process additional batches
            this.scheduleAdditionalBatch('express');
        }
        
        if (currentLoad > 0.8) {
            // System under load, defer non-critical processing
            this.deferLowPriorityProcessing();
        }
        
        // Weekend and holiday adjustments
        if (this.isWeekendOrHoliday()) {
            this.adjustForReducedStaffing();
        }
    }
    
    adjustForReducedStaffing() {
        // Increase automation thresholds during off-hours
        this.businessRules.autoApprovalLimit *= 0.8;
        this.businessRules.manualReviewThreshold *= 1.2;
        
        // Consolidate processing windows
        this.consolidateProcessingWindows();
    }
}

function calculateProcessingCosts(volume, strategy) {
    const costs = {
        real_time: {
            processing: volume * 0.05,
            infrastructure: 1500, // monthly
            staffing: 8000, // 24/7 monitoring
            total: function() { return this.processing + this.infrastructure + this.staffing; }
        },
        
        batch: {
            processing: volume * 0.01,
            infrastructure: 500, // monthly
            staffing: 4000, // business hours
            total: function() { return this.processing + this.infrastructure + this.staffing; }
        },
        
        hybrid: {
            processing: volume * 0.03, // weighted average
            infrastructure: 1000, // monthly
            staffing: 6000, // extended hours
            total: function() { return this.processing + this.infrastructure + this.staffing; }
        }
    };
    
    return costs[strategy];
}

// Example calculation for 50K monthly deposits
const strategies = ['real_time', 'batch', 'hybrid'];
strategies.forEach(strategy => {
    const cost = calculateProcessingCosts(50000, strategy);
    console.log(`${strategy}: $${cost.total()} monthly`);
});

const riskProfiles = {
    real_time: {
        fraudDetectionTime: 'immediate',
        falsePositiveRate: '2-3%',
        investigationWindow: 'limited',
        regulatoryCompliance: 'complex',
        systemDependency: 'high'
    },
    
    batch: {
        fraudDetectionTime: 'delayed',
        falsePositiveRate: '1-2%',
        investigationWindow: 'extended',
        regulatoryCompliance: 'standard',
        systemDependency: 'low'
    },
    
    hybrid: {
        fraudDetectionTime: 'variable',
        falsePositiveRate: '1.5-2.5%',
        investigationWindow: 'flexible',
        regulatoryCompliance: 'manageable',
        systemDependency: 'medium'
    }
};

const decisionMatrix = {
    factors: [
        { name: 'customer_experience', weight: 0.3 },
        { name: 'operational_cost', weight: 0.25 },
        { name: 'risk_management', weight: 0.2 },
        { name: 'technical_complexity', weight: 0.15 },
        { name: 'competitive_advantage', weight: 0.1 }
    ],
    
    scoreStrategy(strategy, scores) {
        return this.factors.reduce((total, factor) => {
            return total + (scores[factor.name] * factor.weight);
        }, 0);
    }
};

// Example scoring (1-10 scale)
const strategyScores = {
    real_time: {
        customer_experience: 10,
        operational_cost: 4,
        risk_management: 6,
        technical_complexity: 3,
        competitive_advantage: 9
    },
    batch: {
        customer_experience: 5,
        operational_cost: 9,
        risk_management: 8,
        technical_complexity: 9,
        competitive_advantage: 4
    },
    hybrid: {
        customer_experience: 8,
        operational_cost: 7,
        risk_management: 7,
        technical_complexity: 6,
        competitive_advantage: 7
    }
};

class ProcessingMonitor {
    
    trackKPIs() {
        return {
            // Performance metrics
            averageProcessingTime: this.calculateAverageProcessingTime(),
            systemAvailability: this.calculateUptime(),
            throughputUtilization: this.calculateThroughputUtilization(),
            
            // Business metrics
            customerSatisfaction: this.measureSatisfaction(),
            competitivePosition: this.benchmarkCompetitors(),
            revenueImpact: this.calculateRevenueImpact(),
            
            // Operational metrics
            costPerTransaction: this.calculateCostPerTransaction(),
            staffingEfficiency: this.measureStaffingEfficiency(),
            errorRates: this.calculateErrorRates()
        };
    }
    
    optimizeStrategy() {
        const metrics = this.trackKPIs();
        const recommendations = this.generateRecommendations(metrics);
        
        return {
            currentPerformance: metrics,
            optimizationOpportunities: recommendations,
            projectedImpact: this.calculateProjectedImpact(recommendations)
        };
    }
}