Method for maintaining account consistency
First Claim
1. A method for maintaining account balance consistency in networked account access systems, comprising:
- receiving a request relating to the account balance of a customer, the request being received by an account access system storing a local copy of the account balance;
processing the request using the local copy;
verifying that the local copy reflects the current account balance for the user; and
updating the account balance on the network in response to the request.
2 Assignments
0 Petitions
Accused Products
Abstract
In an account transaction such as an ATM transaction, a server in communication with an ATM stores a copy of the account balance. Before processing the transaction, the server reads the balance from memory and determines whether the account contains sufficient funds for the transaction. In order to prevent overdrawing of the account, the server makes any balance update predicated on the fact that the current balance in the account database is the same as the balance of the local copy of the account. If the account balance stored in the database is not the same, the server rolls back the request and updates the account balance stored in the local copy. This process continues until either the account balance is updated or the transaction is aborted.
116 Citations
48 Claims
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1. A method for maintaining account balance consistency in networked account access systems, comprising:
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receiving a request relating to the account balance of a customer, the request being received by an account access system storing a local copy of the account balance;
processing the request using the local copy;
verifying that the local copy reflects the current account balance for the user; and
updating the account balance on the network in response to the request. - View Dependent Claims (2, 3)
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4. A method for maintaining account balance consistency in networked account access systems, comprising:
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processing an update request on an account access system, the account access system storing a local copy of an account balance to be used in processing the request; and
sending a predicated update request to an account database containing the account balance, whereby the account database updates the account balance if the local copy is current with the account balance before the update, and whereby the account database does not update the account balance if the local copy is not current with the account balance before the update. - View Dependent Claims (5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
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26. A method for quickly verifying the availability of sufficient funds before allowing a withdrawal on a customer account from an automated teller machine, comprising:
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receiving a request to withdraw funds from a customer account to an automated teller machine, the automated teller machine storing a local copy of the account balance;
processing the request using the local copy;
verifying that the local copy is current with the account balance for the user in an account database;
updating the account balance in the account database in response to the request if the local copy is current with the account balance; and
disbursing funds to the user in response to the request.
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27. A method for providing quick electronic transactions, comprising:
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receiving a transaction request from a participant in a transaction to an electronic transaction system, the electronic transaction system storing a local copy of information related to a participant in the transaction;
processing the request with the local copy;
verifying that the local copy reflects the current information for the participant in a main database; and
updating the information for the participant in the main database in response to the request.
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28. A method for maintaining concurrency for account information cached on a network, comprising:
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receiving an update request to a network server, the network server storing a local copy of a account information in a local cache;
processing the request using the local copy of the account information;
sending a predicated update request to a network database storing an original copy of the account information, whereby the database updates the account information if the local copy is current with the account information, and whereby the database does not update the account information if the local copy is not current with the account information;
receiving a current copy of the account information to the network server and sending another predicated update if the local copy was not the same version as the original copy; and
notifying any other servers on the network storing a local copy of the account information that the original copy has been updated.
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29. A system for assuring concurrency among account access systems on a network, comprising:
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an account access system adapted to receive a transaction request from a customer and process the request using a local copy of the account information for the customer, the account information being stored in an account database;
wherein the account access system is adapted to send a predicated update request to the account database, whereby the account database updates the account information if the local copy is current with the account information before the update, and whereby the account database does not update the account information if the local copy is not current with the account information before the update. - View Dependent Claims (30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47)
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48. A system for allowing a transaction over an account access system network, comprising:
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an ATM terminal adapted to allow a customer to make a transaction request involving bank account information;
an account access system adapted to store a copy of the bank account information for the customer and process the transaction request; and
a bank account database adapted to store bank account information for the customer and provide access to that bank account information over the network;
wherein the account access system is adapted to send a predicated update request to the bank account database after processing the request, whereby the bank account database is adapted to update the bank account information if the local copy is current with the bank account information before the update, and whereby the bank account database does not update the bank account information if the local copy is not current with the bank account information before the update.
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Specification