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US6023684A
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Three tier financial transaction system with cache memory
Assignee: S1 Inc
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Filing: 1997-10-01
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Granted: 2000-02-08
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Expires: 2017-10-01
Abstract
Abstract A three tier financial transaction system having a local data memory is disclosed. The three tier system includes a client interface, an application service, a host interface, and a local data memory. The client interface communicates data messages between a client program and the financial transaction system. The client interface converts client requests to a format compatible with the application service so the application service may process client requests from client programs. At the initiation of a logical session with a client program, the application service refreshes data for the customer associated with the client program using data obtained from a back end processing system through the host interface. The data in the local data memory is then used by the application service for processing client requests during the logical session. Response data generated by the application service is provided to the client interface for presentation to the client program. Communication between the client program and the client interface is preferably performed over an open communication network. The local data memory permits the processing of the client service request to be decoupled from the updating of the back end processing system to improve response times for client request processing.
Inventors
- 👤 Mark P. Pearson
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-29 10:03
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/08; G06Q20/10; G06Q20/108; G06Q40/00; G06Q40/06
Claims Analysis
Total Claims: 22
Claim 1
Independent Claim
133 words
A financial transaction system for supporting communication between a plurality of financial institution customers and at least one financial institution back end processing system comprising: an application service program for processing client requests from a client program executing on a computer associated with at least one of the customers; a client interface for communicating messages between said client program and said application service program; a host interface for coupling said application service program to a back end processing system for a financial institution; and a local data memory coupled to said application service program, said local data memory for storing customer data refreshed with data received through said host interface, said application service program processes said client messages received through said client interface with said customer data stored in said local data memory.
Claim 2
Dependent Claim
133 words
A financial transaction system for supporting communication between a plurality of financial institution customers and at least one financial institution back end processing system comprising: an application service program for processing client requests from a client program executing on a computer associated with at least one of the customers; a client interface for communicating messages between said client program and said application service program; a host interface for coupling said application service program to a back end processing system for a financial institution; and a local data memory coupled to said application service program, said local data memory for storing customer data refreshed with data received through said host interface, said application service program processes said client messages received through said client interface with said customer data stored in said local data memory.
Claim 3
Dependent Claim
67 words
The system of claim 1, said client interface further comprising: a presentation logic program for communicating with said client program in a client program protocol; and a personality library for converting application service calls generated by said presentation logic program with data from said client messages to an application service protocol and for converting responsive data received from said application service program to said client program protocol.
Claim 4
Dependent Claim
40 words
The system of claim 2 wherein said presentation logic program parses said client messages, authenticates said client program sending said client messages, generates said application service calls with data from said client messages, and generates output for said client program.
Claim 5
Dependent Claim
17 words
The system of claim 3 wherein said presentation logic program renders output for a fat client program.
Claim 6
Dependent Claim
17 words
The system of claim 3 wherein said presentation logic program renders output for a thin client program.
Claim 7
Dependent Claim
21 words
The system of claim 2 wherein said personality library converts application service calls to one of Java, ActiveX, C, or C++.
Claim 8
Dependent Claim
33 words
The system of claim 1 further comprising: a transaction processing (TP) monitor for coupling said client interface to said application service program and for coupling said application service program to said host interface.
Claim 9
Dependent Claim
31 words
The system of claim 7, said TP monitor having host configuration data for identifying whether said back end processing system is one of a real time and a near time system.
Claim 10
Dependent Claim
37 words
The system of claim 1 wherein said local data memory is one of a relational data base system, a data object repository, a random access memory (RAM) with a memory access controller, and a cluster data base.
Claim 11
Dependent Claim
22 words
The system of claim 1 wherein said client interface program is coupled to a plurality of client programs over an open network.
Claim 12
Independent Claim
83 words
A method for providing financial institution customers access to their accounts at a financial institution comprising the steps of: initiating a logical session between a client program and a client interface; refreshing data in a local data memory with customer data received from a back end processing system through a host interface; processing client requests using the refreshed data stored in the local data memory; and sending system responses generated from processing said client requests to said client program through said client interface.
Claim 13
Independent Claim
83 words
A method for providing financial institution customers access to their accounts at a financial institution comprising the steps of: initiating a logical session between a client program and a client interface; refreshing data in a local data memory with customer data received from a back end processing system through a host interface; processing client requests using the refreshed data stored in the local data memory; and sending system responses generated from processing said client requests to said client program through said client interface.
Claim 14
Dependent Claim
39 words
The method of claim 11 further comprising the steps of: generating back end processing system updates from processing said client requests; and sending said back end processing system updates to said back end processing system through said host interface.
Claim 15
Dependent Claim
48 words
The method of claim 11 wherein said initiating step further comprises the steps of: authenticating said client program for access to said back end processing system; and sending secret data decrypted from a message received from said client program to authenticate said client interface to said client program.
Claim 16
Dependent Claim
52 words
The method of claim 11 further comprising the steps of: verifying an external token to authenticate a session interaction during a logical session; generating a new external token for authenticating a next session interaction during said logical session; and returning said new external token to said client program through said client interface.
Claim 17
Dependent Claim
34 words
The method of claim 14 further comprising the steps of: generating an internal token during a session interaction; and passing said internal token to an application service program for authenticating an application service call.
Claim 18
Dependent Claim
31 words
The system of claim 1, wherein the customer data is refreshed with data received through said host interface in response to an initiation of a logical session by the client program.
Claim 19
Dependent Claim
64 words
The system of claim 16, wherein the application service program, responsive to the initiation of the logical session, is operative to determine the customer data that requires refreshing, obtain the data for refreshing the customer data from the back end processing system via the host interface, and store the data in the local data memory, thereby modifying content stored by the local data memory.
Claim 20
Dependent Claim
62 words
The system of claim 1, wherein the client interface generates a client refresh application service call in response to an initiation of a logical session, and the application service program is responsive to the client refresh application service call to examine a user token and configuration information for the customer to determine the customer data requiring updating in the local data memory.
Claim 21
Dependent Claim
29 words
The system of claim 18, wherein the application service program obtains data from the back end processing system to update the customer data maintained in the local data memory.
Claim 22
Dependent Claim
63 words
The method of claim 11, wherein the step of refreshing data in the local data memory comprises: generating a client refresh application service call in response to an initiation of a logical session; and in response to the client refresh application service call, examining a user token and configuration information the customer to determine the data requiring updating in the local data memory.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2003-02-07 | 2003-08-09 | 2004-02-08 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2007-02-07 | 2007-08-09 | 2008-02-08 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2011-02-07 | 2011-08-09 | 2012-02-08 | $7700.00 | Window Closed / Lapsed |