Apparatuses, methods and systems for a universal payment integrator
First Claim
1. A universal payment integrating processor-implemented method, comprising:
- registering a live online occurrence of a payment condition comprising a financial payment target identifier associated with a plurality of financial payment targets for different financial institutions;
querying a database using the financial payment target identifier to create a dynamic data-structure-tracking syntax-configured string associated with the financial payment targets, wherein the syntax-configured string consists of a plurality of component parts delimited by syntax separators, and where each part of the string tracks a separate data structure and reflects the hierarchical organizational structure for an enterprise;
utilizing the created dynamic data-structure tracking syntax-configured string and the financial payment target identifier to generate a request to at least one business grammar rule database containing a plurality of business grammar rules for the enterprise and the associated financial payment targets;
obtaining and evaluating at least one business grammar rule for the enterprise from the at least one business grammar rule database, and determining a plurality of additional payment data listings that need to be accessed based on the evaluated business grammar rule and the associated financial payment targets;
selectively evaluating and obtaining at least one universal data variable based on the associated financial payment targets, the additional payment data listings that need to be accessed based on said evaluation, and further based on a presence of user-defined associated universal variables for at least one payment table field, wherein the universal data variables comprise user-defined intermediate data objects that allow access and mapping of logically interrelated payment table fields in a plurality of disparate relational databases and external data sources containing enterprise-specific data and the financial payment targets data in a live online session, not requiring rebuilding of a full mapping between the fields in disparate relational databases, and wherein the universal data variables are organized into a hierarchical structure following a business grammar construct for the enterprise and each segment of the hierarchy follows a user-defined business grammar token type, and wherein the selective evaluation and use of the universal variables is also dependent on the evaluated business grammar rules for the enterprise and associated financial payment targets;
querying a payment data listing for each of a plurality of financial payment targets based on the financial payment target identifier and the evaluation of associated universal data variables linked to a plurality of payment data table fields for the associated financial payment targets;
retrieving the payment data listing for each of the plurality of financial payment targets based on the querying;
accessing payment data contained in the payment data table fields linked to the plurality of universal data variables utilized with the each payment data listing; and
providing accessed payment data to effectuate a payment associated with the payment condition for a plurality of financial payment targets for different financial institutions.
21 Assignments
0 Petitions
Accused Products
Abstract
The APPARATUSES, METHODS AND SYSTEMS FOR A UNIVERSAL PAYMENT INTEGRATOR (hereinafter “UPI”) implement efficient and scalable monitoring, regulation, and allocation of computational processing, data, labor, and/or the like resources within an enterprise. The UPI may facilitate transactions by providing information for payments, money transfers, and/or the like to a wide variety of different banks and/or other financial institutions. Different banking institutions may have different informational needs and/or requirements in order to effectuate a payment. The UPI provides facilities that are integrated with enterprise data resources to allow quick, efficient, and tailored provision of the specific information needed to complete payments and clear transactions by different banks having different informational needs.
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Citations
22 Claims
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1. A universal payment integrating processor-implemented method, comprising:
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registering a live online occurrence of a payment condition comprising a financial payment target identifier associated with a plurality of financial payment targets for different financial institutions; querying a database using the financial payment target identifier to create a dynamic data-structure-tracking syntax-configured string associated with the financial payment targets, wherein the syntax-configured string consists of a plurality of component parts delimited by syntax separators, and where each part of the string tracks a separate data structure and reflects the hierarchical organizational structure for an enterprise; utilizing the created dynamic data-structure tracking syntax-configured string and the financial payment target identifier to generate a request to at least one business grammar rule database containing a plurality of business grammar rules for the enterprise and the associated financial payment targets; obtaining and evaluating at least one business grammar rule for the enterprise from the at least one business grammar rule database, and determining a plurality of additional payment data listings that need to be accessed based on the evaluated business grammar rule and the associated financial payment targets; selectively evaluating and obtaining at least one universal data variable based on the associated financial payment targets, the additional payment data listings that need to be accessed based on said evaluation, and further based on a presence of user-defined associated universal variables for at least one payment table field, wherein the universal data variables comprise user-defined intermediate data objects that allow access and mapping of logically interrelated payment table fields in a plurality of disparate relational databases and external data sources containing enterprise-specific data and the financial payment targets data in a live online session, not requiring rebuilding of a full mapping between the fields in disparate relational databases, and wherein the universal data variables are organized into a hierarchical structure following a business grammar construct for the enterprise and each segment of the hierarchy follows a user-defined business grammar token type, and wherein the selective evaluation and use of the universal variables is also dependent on the evaluated business grammar rules for the enterprise and associated financial payment targets; querying a payment data listing for each of a plurality of financial payment targets based on the financial payment target identifier and the evaluation of associated universal data variables linked to a plurality of payment data table fields for the associated financial payment targets; retrieving the payment data listing for each of the plurality of financial payment targets based on the querying; accessing payment data contained in the payment data table fields linked to the plurality of universal data variables utilized with the each payment data listing; and providing accessed payment data to effectuate a payment associated with the payment condition for a plurality of financial payment targets for different financial institutions. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 21, 22)
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19. A universal payment integrating apparatus, comprising:
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a memory; a processor disposed in communication with said memory and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to; register a live online occurrence of a payment condition comprising a financial payment target identifier associated with a plurality of financial payment targets for different financial institutions; query a database using the financial payment target identifier to create a dynamic data-structure-tracking syntax-configured string associated with the financial payment targets, wherein the syntax-configured string consists of a plurality of component parts, delimited by syntax separators, and where each part of the string tracks a separate data structure and reflects the hierarchical organizational structure for an enterprise; utilize the created dynamic data-structure tracking syntax-configured string and the financial payment target identifier to generate a request to at least one business grammar rule database containing a plurality of business grammar rules for the enterprise and the associated financial payment targets; obtain and evaluate at least one business grammar rule for the enterprise from the at least one business grammar rule database, and determine a plurality of additional payment data listings that need to be accessed based on the evaluated business grammar rule and the associated financial payment targets; selectively evaluate and obtain at least one universal data variable based on the associated financial payment targets, the additional payment data listings that need to be accessed based on said evaluation, and further based on a presence of user-defined associated universal variables for at least one payment table field, wherein the universal data variables comprise user-defined intermediate data objects that allow access and mapping of logically interrelated payment table fields in a plurality of disparate relational databases and external data sources containing enterprise-specific data and the financial payment targets data in a live online session, not requiring rebuilding of a full mapping between the fields in disparate relational databases, and wherein the universal data variables are organized into a hierarchical structure following a business grammar construct for the enterprise and each segment of the hierarchy follows a user-defined business grammar token type, and wherein the selective evaluation and use of the universal variables is also dependent on the evaluated business grammar rules for the enterprise and associated financial payment targets; query a payment data listing for each of a plurality of financial payment targets based on the financial payment target identifier and the associated universal data variables linked to a plurality of payment data table fields for the associated financial payment targets;
the payment data listing utilizing a plurality of universal data variables linked to a plurality of the payment data table fields in at least one database, wherein at least one of said universal data variables comprises an intermediate data object that allows access to a plurality of database relational structures, to disparate databases, and to external data sources, wherein at least one universal data variable provides database access query languages details and relational database organization structures and details necessary for accessing said database relational structure, and wherein at least one of said universal data variables is organized into a hierarchical structure comprising a family, a subfamily and a field name;retrieve the payment data listing for each of the plurality of financial payment targets based on the querying; access payment data contained in the payment data table fields linked to the plurality of universal data variables utilized with the each payment data listing; and provide accessed payment data to effectuate a payment associated with the payment condition for a plurality of financial payment targets for different financial institutions.
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20. A non-transitory processor readable storage medium for universal payment integration system and;
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a plurality of processing instructions stored in the non-transitory storage medium and issuable by a processor to; register a live online occurrence of a payment condition comprising a financial payment target identifier associated with a plurality of financial payment targets for different financial institutions; query a database using the financial payment target identifier to create a dynamic data-structure-tracking syntax-configured string associated with the financial payment targets, wherein the syntax-configured string consists of a plurality of component parts, delimited by syntax separators, and where each part of the string tracks a separate data structure and reflects the hierarchical organizational structure for an enterprise; utilize the created dynamic data-structure tracking syntax-configured string and the financial payment target identifier to generate a request to at least one business grammar rule database containing a plurality of business grammar rules for the enterprise and the associated financial payment targets; obtain and evaluate at least one business grammar rule for the enterprise from the at least one business grammar rule database, and determine a plurality of additional payment data listings that need to be accessed based on the evaluated business grammar rule and the associated financial payment targets; selectively evaluate and obtain at least one universal data variable based on the associated financial payment targets, the additional payment data listings that need to be accessed based on said evaluation, and further based on a presence of user-defined associated universal variables for at least one payment table field, wherein the universal data variables comprise user-defined intermediate data objects that allow access and mapping of logically interrelated payment table fields in a plurality of disparate relational databases and external data sources containing enterprise-specific data and the financial payment targets data in a live online session, not requiring rebuilding of a full mapping between the fields in disparate relational databases, and wherein the universal data variables are organized into a hierarchical structure following a business grammar construct for the enterprise and each segment of the hierarchy follows a user-defined business grammar token type, and wherein the selective evaluation and use of the universal variables is also dependent on the evaluated business grammar rules for the enterprise and associated financial payment targets; query a payment data listing for each of a plurality of financial payment targets based on the financial payment target identifier and the associated universal data variables linked to a plurality of payment data table fields for the associated financial payment targets;
the payment data listing utilizing a plurality of universal data variables linked to a plurality of the payment data table fields in at least one database;retrieve the payment data listing for each of the plurality of financial payment targets based on the querying; access payment data contained in the payment data table fields linked to the plurality of universal data variables utilized with each payment data listing; comprising the payment data listing, wherein at least one of said universal data variables comprises an intermediate data object that allows access to a plurality of database relational structures, to disparate databases, and to external data sources, wherein at least one universal data variable provides database access query languages details and relational database organization structures and details necessary for accessing said database relational structure, and wherein at least one of said universal data variables is organized into a hierarchical structure comprising a family, a subfamily and a field name; and provide accessed payment data to effectuate a payment associated with the payment condition for a plurality of financial payment targets for different financial institutions.
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Specification