US6012050A
Expired / Lapsed
US
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Multi-transaction service system
Assignee: NCR Atleos Corp
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Filing: 1998-10-21
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Granted: 2000-01-04
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Expires: 2018-10-21
Abstract
Abstract A customer (80) can request and receive a financial service through any of a number of channels (82,83,84,85,86,87), each connected to channel-specific hardware, respectively a digital telephone (92), an ATM (93), a branch office (94), a branch sales office (99), a self service sales terminal (95), a home banking PC (96) and an interactive television (97). Each service channel is connected through an integrated channel manager (100) to business operations means including a transaction processing host computer (112), a cheque processor (113), a relationship database manager (114), a financial call center (115), and an external financial database (111). The ICM 100 provides interfaces for each channel and each business operation means so far as the channel-specific and business operation-specific aspects are concerned, and also runs a number of business application services (142, 144, 146, 148), such as a balance inquiry service, which can interface with any channel and any business operation means independently of any channel-specific or operation-specific requirements.
Inventors
- 👤 Morag M. Eaton
- 👤 David Horn
- 👤 Ian A. Cranston
- 👤 Stephen Ambler
- 👤 Veerasamy S. Shanker
- 👤 Steen Jorgensen
- 👤 David J. A. Riach
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-30 08:53
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/08; G06Q20/12; G06Q20/10; G06Q20/108; G06Q20/1085; G06Q20/18; G06Q20/20; G06Q20/204; G06Q30/00; G06Q30/06; G06Q30/0601; G07; G07F; G07F19/00; G07F19/20; G07F19/211; G07F9/00; G07F9/002
Claims Analysis
Total Claims: 34
Claim 1
Independent Claim
191 words
A multi-transaction services system comprising: a plurality of service request and supply channels, each channel including channel-specific hardware and software; at least one operation means including operation-specific hardware and software; and an integrated channel manager connected between the channels and the operation means, the integrated channel manager having (i) a first interface layer for interfacing the channel-specific components of each channel, (ii) a second interface layer for interfacing the operation means, and (iii) a third interface layer between the first and second interface layers and including at least one application service connectable to any channel in a channel-independent manner for performing one or more channel-independent functions using data supplied by the operations means, wherein the operations means is unaware of the function being performed by an application service; wherein each application service is comprised of Presentation, Function, and Data Management elements, the Presentation element being application logic that controls presentation of information to a user by the channels, the Function element being application logic that controls business logic for the application service, and the Data Management element being a collection of data and associated logic that manages data access and integrity.
Claim 2
Dependent Claim
191 words
A multi-transaction services system comprising: a plurality of service request and supply channels, each channel including channel-specific hardware and software; at least one operation means including operation-specific hardware and software; and an integrated channel manager connected between the channels and the operation means, the integrated channel manager having (i) a first interface layer for interfacing the channel-specific components of each channel, (ii) a second interface layer for interfacing the operation means, and (iii) a third interface layer between the first and second interface layers and including at least one application service connectable to any channel in a channel-independent manner for performing one or more channel-independent functions using data supplied by the operations means, wherein the operations means is unaware of the function being performed by an application service; wherein each application service is comprised of Presentation, Function, and Data Management elements, the Presentation element being application logic that controls presentation of information to a user by the channels, the Function element being application logic that controls business logic for the application service, and the Data Management element being a collection of data and associated logic that manages data access and integrity.
Claim 3
Dependent Claim
42 words
A multi-transaction services system according to claim 1, wherein (i) the plurality of channels comprise financial service channels, (ii) the operation means comprises a plurality of financial service operations means, and (iii) the application service comprises a plurality of business application services.
Claim 4
Dependent Claim
49 words
A multi-transaction services system according to claim 2, wherein the business application services comprise at least one of a balance inquiry, an account credit, an account debit, a cash deposit, a cash withdrawal, a cheque deposit, a cheque withdrawal, a loan inquiry, a mortgage inquiry, and an insurance inquiry.
Claim 5
Dependent Claim
50 words
A multi-transaction services system according to claim 2, wherein the financial service channels comprise at least one of an automated teller machine, a self service sales terminal, a home banking system, a digital telephone connection, a financial services branch office, a financial branch sales office, and an interactive television system.
Claim 6
Dependent Claim
38 words
A multi-transaction services system according to claim 2, wherein the operations means comprise at least one of a transaction processing host computer, an item processor, a relationship management database, a financial call center, and an external financial database.
Claim 7
Dependent Claim
102 words
A multi-transaction services system according to claim 2, wherein the integrated channel manager includes: a first layer (L1) for receiving customer requests for a plurality of different channel-specific financial services and providing access to the operation, administration, and maintenance of the service requests; a second layer (L2) for monitoring the operation of the business application services; a third layer (L3) for providing interfaces between the plurality of channel-specific services and the plurality of financial service operation means, and providing the business application services; a fourth layer (L4) for providing application enabling services; and a fifth layer (L5) for providing distributed system services.
Claim 8
Dependent Claim
24 words
A multi-transaction services system according to claim 6, wherein the second, fourth, and fifth layers (L2, L4, L5) comprise the middleware NCR Top End.
Claim 9
Dependent Claim
48 words
A multi-transaction services system according to claim 1, wherein (i) the plurality of channels comprise retail service channels including at least two of a point of sale service, an automatic vending service, and a loyalty card service, and (ii) the operation means comprises at least a relationship database.
Claim 10
Dependent Claim
37 words
A multi-transaction services system according to claim 1, further comprising a Common Software Architecture that provides a layered structure built upon business activities, business objects required to perform those activities, and a technical foundation supporting business needs.
Claim 11
Dependent Claim
34 words
A multi-transaction services system according to claim 9, wherein the Common Software Architecture is an architectural interface for the business activities, business objects, and technical foundation with the Presentation, Function, and Data Management Elements.
Claim 12
Dependent Claim
33 words
A multi-transaction services system according to claim 10, wherein the Common Software Architecture is an interface that isolates the Presentation, Function, and Data Management elements from the channel-specific components and the operations means.
Claim 13
Dependent Claim
41 words
A multi-transaction services system according to claim 9, wherein the Common Software Architecture includes a Mini Object Management System (MOMS) that provides a single interface that shields the channel-specific components and the operations means from specifics of the integrated channel manager.
Claim 14
Dependent Claim
21 words
A multi-transaction services system according to claim 12, wherein the MOMS provides an organized environment for running a collection of objects.
Claim 15
Dependent Claim
19 words
A multi-transaction services system according to claim 13, wherein the MOMS provides tools that allows the construction of objects.
Claim 16
Dependent Claim
18 words
A multi-transaction services system according to claim 13, wherein the MOMS allows the objects to exchange semantic-level metadata.
Claim 17
Dependent Claim
25 words
A multi-transaction services system according to claim 15, wherein the metadata allows loosely-coupled objects to dynamically discover each other's services and behaviors at run time.
Claim 18
Independent Claim
212 words
A method for providing multi-transaction services, comprising: connecting an integrated channel manager between a plurality of service request and supply channels and at least one operations means, wherein each channel includes channel-specific hardware and software and the operation means includes operation-specific hardware and software; and providing a plurality of interface layers in the integrated channel manager for the connected channels and the connected operation means, the provided interface layers comprising (i) a first interface layer for interfacing the channel-specific components of each channel, (ii) a second interface layer for interfacing the operation means, and (iii) a third interface layer between the first and second interface layers and including at least one application service connectable to any channel in a channel-independent manner for performing one or more channel-independent functions using data supplied by the operations means, wherein the operations means is unaware of the function being performed by application service; wherein each application service is comprised of Presentation, Function, and Data Management elements, the Presentation element being application logic that controls presentation of information to a user by the channels, the Function element being application logic that controls business logic for the application service, and the Data Management element being a collection of data and associated logic that manages data access and integrity.
Claim 19
Independent Claim
212 words
A method for providing multi-transaction services, comprising: connecting an integrated channel manager between a plurality of service request and supply channels and at least one operations means, wherein each channel includes channel-specific hardware and software and the operation means includes operation-specific hardware and software; and providing a plurality of interface layers in the integrated channel manager for the connected channels and the connected operation means, the provided interface layers comprising (i) a first interface layer for interfacing the channel-specific components of each channel, (ii) a second interface layer for interfacing the operation means, and (iii) a third interface layer between the first and second interface layers and including at least one application service connectable to any channel in a channel-independent manner for performing one or more channel-independent functions using data supplied by the operations means, wherein the operations means is unaware of the function being performed by application service; wherein each application service is comprised of Presentation, Function, and Data Management elements, the Presentation element being application logic that controls presentation of information to a user by the channels, the Function element being application logic that controls business logic for the application service, and the Data Management element being a collection of data and associated logic that manages data access and integrity.
Claim 20
Dependent Claim
44 words
A method of providing multi-transaction services according to claim 17, wherein (i) the plurality of channels comprise financial service channels, (ii) the operation means comprises a plurality of financial service operations means, and (iii) the application service comprises a plurality of business application services.
Claim 21
Dependent Claim
51 words
A method of providing multi-transaction services according to claim 18, wherein the business application services comprise at least one of a balance inquiry, an account credit, an account debit, a cash deposit, a cash withdrawal, a cheque deposit, a cheque withdrawal, a loan inquiry, a mortgage inquiry, and an insurance inquiry.
Claim 22
Dependent Claim
52 words
A method of providing multi-transaction services according to claim 18, wherein the financial service channels comprise at least one of an automated teller machine, a self service sales terminal, a home banking system, a digital telephone connection, a financial services branch office, a financial branch sales office, and an interactive television system.
Claim 23
Dependent Claim
40 words
A method of providing multi-transaction services according to claim 18, wherein the operations means comprise at least one of a transaction processing host computer, an item processor, a relationship management database, a financial call center, and an external financial database.
Claim 24
Dependent Claim
104 words
A method of providing multi-transaction services according to claim 18, wherein the integrated channel manager includes: a first layer (L1) for receiving customer requests for a plurality of different channel-specific financial services and providing access to the operation, administration, and maintenance of the service requests; a second layer (L2) for monitoring the operation of the business application services; a third layer (L3) for providing interfaces between the plurality of channel-specific services and the plurality of financial service operation means, and providing the business application services; a fourth layer (L4) for providing application enabling services; and a fifth layer (L5) for providing distributed system services.
Claim 25
Dependent Claim
26 words
A method of providing multi-transaction services according to claim 22, wherein the second, fourth, and fifth layers (L2, L4, L5) comprise the middleware NCR Top End.
Claim 26
Dependent Claim
50 words
A method of providing multi-transaction services according to claim 17, wherein (i) the plurality of channels comprise retail service channels including at least two of a point of sale service, an automatic vending service, and a loyalty card service, and (ii) the operation means comprises at least a relationship database.
Claim 27
Dependent Claim
39 words
A method of providing multi-transaction services according to claim 17, further comprising providing a Common Software Architecture as a layered structure built upon business activities, business objects required to perform those activities, and a technical foundation supporting business needs.
Claim 28
Dependent Claim
36 words
A method of providing multi-transaction services according to claim 25, wherein the Common Software Architecture is an architectural interface for the business activities, business objects, and technical foundation with the Presentation, Function, and Data Management Elements.
Claim 29
Dependent Claim
35 words
A method of providing multi-transaction services according to claim 26, wherein the Common Software Architecture is an interface that isolates the Presentation, Function, and Data Management elements from the channel-specific components and the operations means.
Claim 30
Dependent Claim
43 words
A method of providing multi-transaction services according to claim 25, wherein the Common Software Architecture includes a Mini Object Management System (MOMS) that provides a single interface that shields the channel-specific components and the operations means from specifics of the integrated channel manager.
Claim 31
Dependent Claim
23 words
A method of providing multi-transaction services according to claim 28, wherein the MOMS provides an organized environment for running a collection of objects.
Claim 32
Dependent Claim
21 words
A method of providing multi-transaction services according to claim 29, wherein the MOMS provides tools that allows the construction of objects.
Claim 33
Dependent Claim
20 words
A method of providing multi-transaction services according to claim 29, wherein the MOMS allows the objects to exchange semantic-level metadata.
Claim 34
Dependent Claim
27 words
A method of providing multi-transaction services according to claim 31, wherein the metadata allows loosely-coupled objects to dynamically discover each other's services and behaviors at run time.
References Cited (Backward Citations)
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2003-01-03 | 2003-07-05 | 2004-01-04 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2007-01-03 | 2007-07-05 | 2008-01-04 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2011-01-03 | 2011-07-05 | 2012-01-04 | $7700.00 | Window Closed / Lapsed |