Three tier financial transaction system with cache memory
First Claim
1. 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.
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Accused Products
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.
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Citations
20 Claims
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1. 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:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 16, 17, 18, 19)
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11. A method for providing financial institution customers access to their accounts at a financial institution comprising the steps of:
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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. - View Dependent Claims (12, 13, 14, 15, 20)
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Specification