Method and system for providing an interface for supporting multiple formats for on-line banking services

• US 6,029,147 A
• Filed: 03/14/1997
• Issued: 02/22/2000
• Est. Priority Date: 03/15/1996
• Status: Expired due to Term

• Current Assignee: Microsoft Technology Licensing LLC (Microsoft Corporation)
• Original Assignee: Microsoft Corporation
• Inventors: Horadan, Peter H., Vaughan, Richard A., Sewelson, Vivian, Johnstone, Timothy J.
• Primary Examiner(s): MacDonald, Allen R.
• Assistant Examiner(s): Irshadullah, M.
• Application Number:
  US08/818,203
• Time in Patent Office: 1,075 Days
• Field of Search: 707/1, 707/27, 707/35, 380/52, 235/379, 709/232
• US Class Current: 705/35
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

In association with a computer system, a method and system for providing an interface for establishing connections with financial institution to utilize on-line services. An application program sends a request to a branding server to look up information related to a particular financial institution. The branding server executes the request and, if the branding server contains information relating to the method of connection with identified financial institution, the branding server sends the information to the application program. The application program then loads an appropriate driver corresponding to the method of connection as determined by the branding server. If the method of connection is open financial connectivity (OFC), then the application loads a flexible driver (the OFC driver) which causes the application program to request the business rules of the particular financial institution from the financial institution'"'"'s server. The bank server then transmits the business rules to the OFC driver which incorporates the business rules into the application program software and reconfigures the application program to operate according to the business rules.

Claims

1. A method for connecting an application program running on a client computer to a server associated with a financial institution in connection with on-line services offered by the financial institution, comprising the steps of:

identifying a particular financial institution by an RTN or BIN associated with the institution;

sending a query for information relating to the method of connecting to the server associated with the identified financial institution from the client computer to a branding server storing a plurality of connection information sets;

determining which one of the plurality of connection information sets corresponds to the financial institution;

transmitting the connection information set corresponding to the financial institution to the client computer; and

establishing a connection between the client computer and the server associated with the financial institution based on the connection information set.

2. A method for establishing on-line services between an application program running on a client computer and a server associated with a financial institution, comprising the steps of:

determining the method of connection required by the server associated with the financial institution;

loading one of a plurality of drivers in the application program associated with the determined method of connection;

transferring one of a plurality of instruction sets governing the manner in which financial transactions are received, posted, and transacted with the financial institution associated with the on-line services, from a branding server storing connection information and the plurality of instruction sets for a variety of financial institutions for information relating to the method of connecting, to the server associated with the identified financial institution to the loaded driver;

establishing a connection between the client computer and the server associated with the financial institution; and

using the instruction set to configure the application program to utilize the on-line services offered by the financial institution.

3. A method for connecting an application program running on a client computer to a server associated with a financial institution in connection with on-line services offered by the financial institution, comprising the steps of:

identifying a particular financial institution;

transmitting a request from the client computer to a branding server storing connection information and a plurality of instruction sets for a variety of financial institutions for information relating to the method of connecting to the server associated with the identified financial institution;

in response to transmitting the request, obtaining information relating to the method of connecting to the server associated with the identified financial institution from the branding server;

in response to obtaining connection information, loading one of a plurality of drivers in the application program, each driver being associated with a method of connecting;

obtaining one of the plurality of instruction sets governing the manner in which financial transactions are received, posted, and transacted with the financial institution associated with the on-line services from the branding server;

establishing a connection between the client computer and the server associated with the financial institution; and

using the information and the instruction set to configure the application program to utilize the on-line services offered by the financial institution.

4. The method of claim 3 wherein the connection in step (e) is established via the Internet.

5. The method of claim 3 wherein the connection in step (e) is established via a private dial-up network.

6. The method of claim 3 wherein the server associated with the financial institution is operated by a service provider.

7. The method of claim 6 wherein the service provider is ISC, and the application program includes an ISC driver including the business rules for operating with the ISC service provider.

8. The method of claim 6 wherein the service provider is Visa Interactive, and the application program includes a Visa Interactive driver including the business rules for operating with the Visa Interactive service provider.

9. The method of claim 6 wherein the service provider is BTX, and the application program includes a BTX driver including the business rules for operating with the BTX service provider.

10. The method of claim 6 wherein the service provider is Minitel, and the application program includes a Minitel driver including the business rules for operating with he Minitel service provider.

11. The method of claim 3 wherein the information is obtained from a branding server.

12. The method of claim 11 wherein the branding server includes branding information relating to each financial institution.

13. The method of claim 3 wherein the loaded driver stores the business rules for the particular financial institution.

14. The method of claim 3 wherein the business rules are obtained from the server associated with the financial institution.

15. A computer system including a client computer operative to run an application program for allowing the client to connect to a server associated with a financial institution to utilize the on-line services of the financial institution, comprising:

a memory for storing the application program;

a processing device, responsive to instructions from the application program, operative to;

transmit, in response to input from a user of the client computer, a request for information relating to the method of connecting to a particular financial institution to a branding server storing connection information and a plurality of instruction sets for a variety of financial institutions for information relating to the method of connecting to the server associated with the identified financial institution;

receive the requested information from the branding server;

select a driver associated with the requested information from a plurality of drivers, each driver corresponding to a different method of connecting;

load the selected driver in the application program;

obtain an instruction set governing the manner in which financial transactions are regulated with the financial institution associated with the on-line services;

establish a connection between the client computer and the server associated with the financial institution; and

use the information and instruction set to configure the application program to utilize the on-line services offered by the financial institution.

16. The system of claim 15 wherein the connection between the client computer and the server associated with the financial institution is established via the Internet.

17. The system of claim 15 wherein the connection between the client computer and the server associated with the financial institution is established via a private dial-up network.

18. The system of claim 15 wherein the server associated with the financial institution is operated by a service provider.

19. The system of claim 18 wherein the service provider is ISC, and the application program includes an ISC driver including the business rules for operating with the ISC service provider.

20. The system of claim 18 wherein the service provider is Visa Interactive, and the application program includes a driver including the business rules for operating with the Visa Interactive service provider.

21. The system of claim 18 wherein the service provider is BTX, and the application program includes an BTX driver including the business rules for operating with the BTX service provider.

22. The system of claim 18 wherein the service provider is Minitel, and the application program includes an Minitel driver including the business rules for operating with the Minitel service provider.

23. The system of claim 15 wherein the business rules are obtained from the server associated with the financial institution and the business rules are stored by a driver in the application program.

24. A computer-readable medium on which is stored an application program for allowing a client computer to utilize the on-line services of a financial institution, the application program comprising instructions which, when executed by the client computer, perform the steps of:

(a) identifying a particular financial institution;

(b) obtaining from a branding server information relating to the method of connecting to a server associated with the identified financial institution;

(c) loading one of a plurality of drivers in the application program, each driver being associated with a method of connecting;

(d) obtaining business rules associated with the on-line services;

(e) establishing a connection between the client computer and the server associated with the financial institution; and

(f) the driver using the information and business rules to configure the application program to utilize the on-line services offered by the financial institution.

25. The medium of claim 24 wherein the connection in step (e) is established via the Internet.

26. The medium of claim 24 wherein the connection in step (e) is established via a private dial-up network.

27. The medium of claim 24 wherein the server associated with the financial institution is operated by a service provider.

28. The medium of claim 27 wherein the service provider is ISC, and the application program includes an ISC driver including the business rules for operating with the ISC service provider.

29. The medium of claim 27 wherein the service provider is Visa Interactive, and the application program includes a Visa Interactive driver including the business rules for operating with the Visa Interactive service provider.

30. The medium of claim 27 wherein the service provider is BTX, and the application program includes an BTX driver including the business rules for operating with the BTX service provider.

31. The medium of claim 27 wherein the service provider is Minitel, and the application program includes an Minitel driver including the business rules for operating with the Minitel service provider.

32. The medium of claim 24 wherein the branding server includes branding information relating to each financial institution.

33. The medium of claim 24 wherein the business rules are obtained from the server associated with the financial institution and the business rules are stored by a driver in the application program.