Active transaction generation, processing, and routing system

• US 6,947,902 B2
• Filed: 05/31/2001
• Issued: 09/20/2005
• Est. Priority Date: 05/31/2001
• Status: Expired due to Fees

• Current Assignee: Infonox On The Web
• Original Assignee: Infonox On The Web
• Inventors: Chandran, Rohan, Bajwa, Narinder, Shah, Safwan, Maskatiya, Vali
• Primary Examiner(s): Coggins, Wynn W.
• Assistant Examiner(s): RHODE JR, ROBERT E
• Application Number:
  US09/871,996
• Publication Number:
  US 20020184103A1
• Time in Patent Office: 1,573 Days
• Field of Search: 705/10, 705/26, 705/27, 705/37, 705/35, 235/380, 235/280
• US Class Current: 705/7.33
• CPC Class Codes: G06Q 30/0204 Market segmentation
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: H04L 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231
• CPC Class Codes: H04L 67/306 User profiles
• CPC Class Codes: H04L 69/329 in the application layer [OSI layer 7]
• CPC Class Codes: H04Q 3/0045 involving hybrid, i.e. a mixture of public and private, or multi-vendor systems

Abstract

A method and computer system are provided for interfacing between customers and independent service providers. Customer information and transaction data are collected for transactions that may be divided into at least two subsets, with transactions in each subset being initiated with transaction devices associated with a different independent service providers. For each transaction request, a determination is made which of the independent service providers should receive the transaction request, based on the collected customer information, and it is then transmitted to the determined independent service provider.

Claims