Zality LLC
Practice
Independent systems engineering
Location
Redington Beach, Florida
Email
support@zality.com

Systems that are not allowed to stop.

Zality is the consulting practice of Harold Bray, a systems engineer whose forty-year career runs through Stratus, Tandem and HPE NonStop, Base24, and the national payment networks. Banks, credit unions and payment processors depend on these systems every day, and an outage there is measured in money. The work is keeping them running reliably — often while they are being repaired.

Practice

Payment systems

Authorization switching on Base24 and Connex — the platforms that approve and route a transaction while the customer waits. Integration across Visa, Amex, Discover, NYCE, STAR and PULSE, with Atalla HSM key management and PCI compliance.

HPE NonStop

New development on live fault-tolerant systems, and subject-matter guidance for teams moving off them without an interruption in service. TAL, COBOL, SCOBOL, Guardian, Pathway and TMF.

Applied AI

Automating business processes with large language models: tool-using agents, retrieval over a company’s own data, and integrations that let a model operate real systems rather than describe them.

Background

Written for the machines that hold the ledger.

The work runs from early fault-tolerant transaction hubs and cable-television data systems through the payment networks that followed — Network Express, Base24, Stratus and Tandem platforms, and the card processing built on them. It continues today on live NonStop systems that are being modernized while they keep running.

The same discipline now points at applied AI. Product work lives at zalitylabs.ai, where Mainsail — an AI business-automation platform that operates a company's real systems rather than describing them — shipped to its first production customer in February 2026.

Engagements are contracted through Zality LLC, generally as a senior individual contributor or subject-matter expert working directly with an engineering team rather than through a delivery organization.

Selected work
Six weeks to release · two prior attempts had failed

The front end behind Elavon’s Fusebox gateway

Elavon’s front-end payment controller had been attempted twice without success. Brought in to rescue it; the third build held. It was a single-process event engine in C: one poll() reactor over non-blocking sockets, with socket readiness, timer expiry, and OS signals all reduced to a single currency, an event driving a per-connection state machine. Around it, a plugin architecture carrying fifteen point-of-sale protocols, and a pre-forked worker pool that passed live connections across process boundaries by file descriptor. First cut in three weeks, first release in six. Later rescued and finished the batch settlement engine as well: C over embedded Sybase SQL, settling across a dozen card networks, plus the 64-bit Linux migration.

Scope: this was a large team effort over several years. The front-end controller and the settlement engine were the components I owned; the authorization switch itself was other people’s work. What shipped is the Fusebox gateway, which Elavon still sells — now advertising “certify once” access to seventeen third-party processors, against the fifteen protocol plugins it launched with.

Ten minutes · after three weeks on site

A stalled call-center cutover, diagnosed in ten minutes

A cellular carrier’s contact-center project was dead in the water on a Rockwell CTI switch. The switch vendor had flown engineers in and kept them on site for three weeks with no fix. Put the software under a debugger, found a large local array overflowing the process stack, raised the stack allocation in the bind command, and re-linked. The system ran.

Live system · seven latent defects surfaced

New development on a running claims switch

A real-time pharmacy-claims switch on HPE NonStop was being migrated to the cloud and still had to grow while it moved — adjudication happens while the patient waits at the counter. Designed and delivered a vendor-authentication feature end to end: each claim authenticated by its originating vendor and routed on that result. Getting it working surfaced seven separate defects scattered across the line configuration, the comms-layer JSON parser, and the inbound TCP handler.

Shipped to production · February 2026

Mainsail — an AI platform that operates the business, not just describes it

Built and delivered in February 2026: a multi-tenant Python platform of roughly 110,000 lines, architected as a set of self-describing tools exposed to a language model over the Model Context Protocol, so the model operates the company’s systems instead of describing them. Underneath sit deep Salesforce and Accounting Seed integrations with a local SQL mirror for fast analysis.

It delivers contract-level cash-flow forecasting out to the KC-46 tanker program’s 2027 horizon, a rolling P&L with anomaly detection, reconciliation between the CRM and the ledger, and an exploratory-analysis agent that runs its own tool-use loop against open-ended questions. Built concurrently with a live NonStop migration engagement. Platform IP is held by Mainsail Labs — product detail at mainsail.is and zalitylabs.ai.

Track record

Fault-tolerant foundations

1981–1983
Cox Cable Communications — chief technologist, R&D. Lead architect of INDAX interactive cabletext on Tandem NonStop; deployed San Diego and Omaha. IEEE JSAC paper, 1983.
1984–1986
Scientific Software — co-founder. Network Express, fault-tolerant payment and telecom on Stratus. Bank of New York, American Express, Paine Webber, Philadelphia Stock Exchange.
1984–1992
MicroArts — own product vehicle. A structured 8088 assembler, a B-tree/ISAM engine carried DOS to Win32 to Unix, and a script language licensed to BellSouth Advanced Networks.
1986–1987
Tridom — VSAT control-module firmware; Stratus-based satellite control network.
1987–1990
Hypernet — founder. Stratus network foundation supplied to USAN, which ran ISDN/SS7 contact-center systems on it.
1989–1992
Atlanta Technologies — PC-LAN video conferencing over Novell IPX.

Payments at scale

1992–2002
BancTec / Ingenico — the Semaphore POS network (Toys’R’Us, Petco, Menards, HEB), a transaction-aggregation hub, and credit-to-debit conversion for Office Max, and TJ Maxx. Patents issued.
1996–2001
Interactive Technology — Deutsche Bank voice response in Frankfurt and Düsseldorf, pre-VoiceXML; and the VoiceStream rescue above.

Contact centers, banking, voice

2002–2004
PierceTech — co-founder. Rockwell Galaxy ACD and Avaya screen-pop; XML over IBM MQ for Citizens Bank.
2004–2006
Online Banking Solutions — co-founder. ACH, treasury management, funds transfer, card and mobile. Sold to Fiserv in 2016.
2005–2007
DemandVoice — co-founder. Hosted VoiceXML on SIP with session border controllers.
2007
USAN — OpenVXI ported to Stratus VOS, plus a CCXML call-control engine certified against the W3C draft four years before it became a Recommendation.

Card processing

2009–2015
Elavon — the front end behind Fusebox and the batch settlement engine, above. Led the 64-bit Linux migration.
2013
First Data — Base24 and ISO 8583 front ends across ACCEL, NYCE, STAR, Maestro, and PULSE. Built one of the first PINless debit features, deployed for McDonald’s.

NonStop and applied AI

2017–2020
Zality — enterprise LLM platform: a retrieval-augmented agent framework on HuggingFace transformers and llama.cpp, with Chroma and FAISS.
2018
FIS — HPE NonStop ATM platform. Terminal handler for Hyosung machines, currency-tray fraud tracking, dynamic currency conversion.
2022–2023
Visa — Connex EFT moved to active-active with automated failover; Atalla HSM device pooling.
2023–2025
Bank of America — Base24 developer. Led PCI 4.0 enhancements; integrations across VISA, AMEX, Discover, NYCE, STAR, and PULSE; ATM operations for Diebold Nixdorf and NCR.
2025–
Pharmacy claims switch — NonStop subject-matter expert on a live real-time NCPDP switch migrating to Azure, and new development on it while it runs.
2025–
NonStop.fyi — domain-expert AI over the HPE NonStop manuals, every answer cited to manual and page.
Contact

Office

Zality LLC
Redington Beach, Florida
United States

Email

support@zality.com