WO1997022941A1 - System for on-line financial services using distributed objects - Google Patents

System for on-line financial services using distributed objects Download PDF

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Publication number
WO1997022941A1
WO1997022941A1 PCT/US1996/020569 US9620569W WO9722941A1 WO 1997022941 A1 WO1997022941 A1 WO 1997022941A1 US 9620569 W US9620569 W US 9620569W WO 9722941 A1 WO9722941 A1 WO 9722941A1
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WO
WIPO (PCT)
Prior art keywords
financial information
server
financial
name
client
Prior art date
Application number
PCT/US1996/020569
Other languages
French (fr)
Inventor
William P. Anderson
Jacob B. Geller
Original Assignee
Block Financial Corporation
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Block Financial Corporation filed Critical Block Financial Corporation
Publication of WO1997022941A1 publication Critical patent/WO1997022941A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F3/00—Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
    • G06F3/01—Input arrangements or combined input and output arrangements for interaction between user and computer
    • G06F3/02—Input arrangements using manually operated switches, e.g. using keyboards or dials
    • G06F3/023—Arrangements for converting discrete items of information into a coded form, e.g. arrangements for interpreting keyboard generated codes as alphanumeric codes, operand codes or instruction codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/206—Software aspects at ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L61/00—Network arrangements, protocols or services for addressing or naming
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L61/00—Network arrangements, protocols or services for addressing or naming
    • H04L61/45—Network directories; Name-to-address mapping
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/50—Network services
    • H04L67/75—Indicating network or usage conditions on the user display
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/40—Network security protocols
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/01—Protocols
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L69/00—Network arrangements, protocols or services independent of the application payload and not provided for in the other groups of this subclass
    • H04L69/30—Definitions, standards or architectural aspects of layered protocol stacks
    • H04L69/32—Architecture of open systems interconnection [OSI] 7-layer type protocol stacks, e.g. the interfaces between the data link level and the physical level
    • H04L69/322—Intralayer communication protocols among peer entities or protocol data unit [PDU] definitions
    • H04L69/329—Intralayer communication protocols among peer entities or protocol data unit [PDU] definitions in the application layer [OSI layer 7]

Definitions

  • the present invention relates generally to client/server computer systems. Particularly,
  • the present invention relates to a client/server architecture for delivering financial services to
  • Account balances may change on a daily basis
  • the present invention ConductorTM System Architecture (Conductor) — supports a suite of on-line financial services from various financial services providers. Supported services include credit card account lookup and reporting, and checking and bill paying. In addition, customers and financial services providers may communicate with each other. Finally, the financial information obtained electronically may be downloaded directly to customers' personal computers for further processing. The need for manual data entry is eliminated.
  • the present invention is a sophisticated computer software system based on distributed system technology.
  • use of the TCP/IP protocol suite for communications with major components ofthe system allows the financial services to be accessed through the Internet.
  • the same services may also be accessed directly through an on-line information service such as CompuServe®.
  • Conductor supports a distributed "information cluster" located on the global Internet so it may be accessed at any time from around the world using any one of a number of presentation tools.
  • a variety of financial services from a number of independent financial services providers are supported by the system so that users may review activity and balances relating to different types of accounts.
  • the abi ty to use a variety of presentation tools to access a suite of financial services supported by a variety of financial services providers is unique to the present invention.
  • Figure 1 is a diagram of the Conductor Network illustrating the components of a financial information service system based on the Conductor System Architecture; and Figure 2 is a block diagram ofthe Conductor System Architecture.
  • the Conductor System Architecture (Conductor) and its related protocols provide a robust suite of on-line Interfaces for use by applications, financial service providers, Web (hyper-text transfer protocol — HTTP) servers, and other clients to obtain and manipulate financial information for users of the system.
  • Web hyper-text transfer protocol — HTTP
  • distributed systems technologies are used to define the major components of Conductor and their interrelationships to allow delivery of diverse types of financial services over a wide area network. Sources of data may be as varied as the Interfaces to it.
  • Financial information systems using the approach of Conductor are easily extensible because Conductor is based on a platform-portable, language-independent distributed object framework. Client components and server components work in concert to provide timely financial information to users of an on-line financial information system built using Conductor.
  • server components of Conductor may easily serve as back-end resources for existing on-line service providers.
  • the distributed approach also allows applications running in the system to be accessible through a number of presentation tools or users interfaces (collectively, clients): for example, native Microsoft* Windows* applications. Web (hyper-text mark-up language — HTML) browsers, text-terminals, X.25 transactions, even voice telephony.
  • HTML hyper-text mark-up language
  • the Conductor Network illustrates use of the Conductor System Architecture to provide a suite of financial services accessible through different user interfaces.
  • users connect to the suite of on-line financial services in the Conductor Network via the Internet 12.
  • Methods for providing services via the Intemet are well-known in the art and are not explained here.
  • Host computers in the network are accessible world-wide from any site with TCP/IP name resolution and packet routing to the conductor.com domain.
  • host computers running the Windows NTTM Operating System and the UNLX Operating System are used in the distributed environment.
  • Clients and servers may run on any of twenty operating systems. Multiple user interfaces to applications that are part of the Conductor Network are implemented as different types of clients.
  • a user may communicate with a financial application via a Web (hyper-text markup language-HTML) browser 10 or via the CompuServe Information Service 14 using the CompuServe Information Manager for Windows 00 (WinCIM 00 ) 16.
  • Other methods of access may be used as well — for example, a native Microsoft* Windows' 0 application.
  • Conductor components may include financial services that are part of an on-line information service so that they are available only to subscribers ofthe on-line information service.
  • packets destined for the Conductor Network are routed 18 to a Web Server 22 for processing. Because security is a significant issue for on-line financial information systems, a Firewall 20 is established between the Router 18 and the Web Server 22. User verification and data access may then occur in a secure environment. Separate user connect/data access protocols isolate internal/ external networks. An indirect method of user
  • Token passing is used for connected host identification.
  • Primary system components include Financial Object Servers, Distributed Name (or Name Lookup) Servers, and Database Servers. Other components include Communication, Security, and Logging servers. As shown in Figure 1, a number of Distributed Name (or Name Lookup) Servers 24, 26, 28 and Financial Object Servers 30, 32, 34 may be in operation at one time. When ranning, these servers may communicate with a Legacy System 38 or other Database Servers 36 in order to respond to specific requests for information. Data requests may be serviced in
  • data may be accessed using a Microsoft* SQL Server running on Windows NTTM.
  • the application-level protocol specifies how a client interprets data sent to it by a server. Differences in the implementation of various services are hidden behind this consistent API.
  • the protocol for communication between various components is a call-level API. When one part of the apphcation needs something, it calls a procedural interface in another part. Such calls do not return until the procedure has executed so the flow of control is simple and direct. Extending these synchronous procedure calls across the network interface has the advantage of simplifying the access to distributed resources by elevating it to the level of standard procedural mechanisms familiar to a majority of developers.
  • Interface which groups operations and attributes. Interfaces are used by applications, financial service providers, Web (hyper-text transfer protocol- HTTP) servers, and clients to obtain and manipulate financial information for users of the system. Because chents know only the nature of the Interface, it may be implemented in any manner. For example, Interfaces may be implemented in one language and chents in another. The implementation of an Interface may then be altered at will without affecting any clients. As long as the protocol to the Interface is stable, the client implementation is stable.
  • servers are provided by a name lookup Interface which runs on the only host whose name clients need to know. Following name lookup, a client begins communication with a server capable of servicing the client's specific request. The access is synchronous and call-level using either C++, Smalltalk, or C. In other words, clients access services by making standard synchronous procedure calls. Client load is automatically apportioned among all ready object servers at lookup time.
  • name lookup layer isolates chents from the location or readiness of any individual server.
  • IP Internet Protocol
  • chents are completely isolated from back-end data sourcing concerns and do not need to know the TP addresses of servers.
  • servers may be added simply by connecting to the network, installing system and server software, and adding the machine name to the lookup
  • Windows NTTM network servers and new servers may be added to the system by copying files over and adding the host name to a single locator file.
  • the distributed nature of the system means that it is composed of relatively simple applications that implement a single Interface or a .small group of Interfaces through which clients and servers communicate.
  • servers may have geographical independence. Site independence for servers means that different servers may be developed and maintained by different financial services providers. User access
  • the interface between chents and servers is binary.
  • a binary interface to information and services is preferable to a textual one.
  • Such an interface is more efficient and the data may be useful in more varied applications.
  • Binary data may be converted to text for viewing by humans, sent in binary form to other providers, or retrieved in binary form and processed by a consumer application.
  • Binary objects may be dragged off of a window and dropped into a finance application or they may be used to generate reports.
  • FIG. 2 a diagram of the client and server components of a financial information system based on the Conductor System Architecture is shown.
  • the server components supported by Conductor are databases.
  • financial information of interest to users of the system is contained in different databases 28, 34, 40 within the difcStributed environment.
  • Each database has its own access mechanism 26, 32, 38.
  • a Web hyper-text markup language-HTML
  • the Firewall 14 increases system security of applications running in the Conductor environment.
  • the TCP/IP protocol stack 16 is the Internet communication vehicle.
  • Another Conductor component the Object Request Broker (ORB) — is an "information bus" that connects chents to the servers or objects they need in a heterogeneous environment.
  • ORB Object Request Broker
  • an ORB is platform independent, language neutral, and may run in many networked environments.
  • ORBs provide interoperability between applications on different machines in a heterogeneous environment. ORBs implemented in one language may communicate with those implemented in another, on a completely different hardware platform. The same is true for the object implementations to which the ORB provides access.
  • FIG. 2 Three example objects are shown in Figure 2 — a card object 24, a checking object 30, and a bill pay object 36.
  • the objects serve as links between chents 10, 12 and data contained in the databases 28, 34, 40.
  • the name server 22 performs the name lookup function for clients so they may establish communication with the financial object that performs the needed services.
  • the distributed nature of the Conductor System Architecture means that a financial services system may be composed of relatively simple financial services apphcations accessible from one of several interfaces. The result of this is that each financial service apphcation is easier to develop and maintain, and the Conductor-based financial services system at large is more flexible and robust.
  • the present invention has been described in the form of preferred embodiments. However, several modifications and variations may be made to the invention

Abstract

A system (figure 2) for accessing recent financial information from various financial services providers (30, 32, 34). The system is based on a client/server architecture so that services are accessible from a variety of presentation tools (10, 12). Communications between clients and servers (20, 22) are accomplished using 'Interfaces' (14, 16, 18) that group operations and attributes for various services. The system uses the TCP/IP protocol suite (16) so financial services are available at any time and from any location.

Description

SYSTEM FOR ON-LINE FINANCIAL SERVICES USING DISTRIBUTED OBJECTS
BACKGROUND AND SUMMARY OF THE INVENTION
The present invention relates generally to client/server computer systems. Particularly,
the present invention relates to a client/server architecture for delivering financial services to
customers of various financial institutions.
Customers of various types of financial institutions such as banks, stock brokerages,
credit card companies, and insurance companies often have a need to access information
regarding recent account activity or their account balances. Typically, financial information is
reported to customers in the form of monthly statements that list the account's activity and
balance for the previous month. By the time these statements are processed and sent, they no
longer reflect the current state ofthe account. Account balances may change on a daily basis
for a variety of reasons including the addition of interest earned or the processing of a new
transaction.
Customers in need of more timely information regarding their accounts usually have
the option of calling a customer service representative of the financial institution to request a
balance or activity report. Although the information is timely, it may be difficult or
inconvenient to obtain. First, customers must call each institution from which they would like
to obtain current information. When calling, they may need to wait for someone who can
help. At other times, they may be required to traverse many levels of an automated attendant
before reaching an option that will allow them to accomplish a specific task such as obtaining a
current account balance. In either case, the information is presented verbally rather than in a
written form that more closely resembles a statement. Finally, whether the information is communicated verbally or through a written statement, customers who wish to use the information in a computer program must enter it manually. In addition to the inconvenience, the process of manually entering the data is also error prone.
Customers of various financial institutions therefore, have a need to access recent financial information at their own convenience — preferably, from anywhere and at any time.
Furthermore, customers have a need to see the financial data presented in an organized and understandable format similar to the monthly statement format with which customers are familiar. The present invention — Conductor™ System Architecture (Conductor) — supports a suite of on-line financial services from various financial services providers. Supported services include credit card account lookup and reporting, and checking and bill paying. In addition, customers and financial services providers may communicate with each other. Finally, the financial information obtained electronically may be downloaded directly to customers' personal computers for further processing. The need for manual data entry is eliminated.
The present invention is a sophisticated computer software system based on distributed system technology. Within the system, use of the TCP/IP protocol suite for communications with major components ofthe system allows the financial services to be accessed through the Internet. The same services may also be accessed directly through an on-line information service such as CompuServe®. Conductor supports a distributed "information cluster" located on the global Internet so it may be accessed at any time from around the world using any one of a number of presentation tools. A variety of financial services from a number of independent financial services providers are supported by the system so that users may review activity and balances relating to different types of accounts. The abi ty to use a variety of presentation tools to access a suite of financial services supported by a variety of financial services providers is unique to the present invention. The advantages of the present invention and others are explained further by the accompanying drawings and detailed description.
BRIEF DESCRIPTION OF THE DRAWINGS Figure 1 is a diagram of the Conductor Network illustrating the components of a financial information service system based on the Conductor System Architecture; and Figure 2 is a block diagram ofthe Conductor System Architecture.
DETAIL DESCRIPTION OF PREFERRED EMBODIMEN TS)
The Conductor System Architecture (Conductor) and its related protocols provide a robust suite of on-line Interfaces for use by applications, financial service providers, Web (hyper-text transfer protocol — HTTP) servers, and other clients to obtain and manipulate financial information for users of the system. Applying principles of modularity and abstraction, distributed systems technologies are used to define the major components of Conductor and their interrelationships to allow delivery of diverse types of financial services over a wide area network. Sources of data may be as varied as the Interfaces to it. Financial information systems using the approach of Conductor are easily extensible because Conductor is based on a platform-portable, language-independent distributed object framework. Client components and server components work in concert to provide timely financial information to users of an on-line financial information system built using Conductor. Use of the distributed approach of a client/server model permits the easy integration of new services and providers for the system. For example, server components of Conductor may easily serve as back-end resources for existing on-line service providers. The distributed approach also allows applications running in the system to be accessible through a number of presentation tools or users interfaces (collectively, clients): for example, native Microsoft* Windows* applications. Web (hyper-text mark-up language — HTML) browsers, text-terminals, X.25 transactions, even voice telephony.
Referring to Figure 1, a diagrammatic representation of the Conductor Network is shown. The Conductor Network illustrates use of the Conductor System Architecture to provide a suite of financial services accessible through different user interfaces. Preferably, users connect to the suite of on-line financial services in the Conductor Network via the Internet 12. Methods for providing services via the Intemet are well-known in the art and are not explained here. Host computers in the network are accessible world-wide from any site with TCP/IP name resolution and packet routing to the conductor.com domain. Preferably, host computers running the Windows NT™ Operating System and the UNLX Operating System are used in the distributed environment. Clients and servers may run on any of twenty operating systems. Multiple user interfaces to applications that are part of the Conductor Network are implemented as different types of clients. As shown in Figure 1, a user may communicate with a financial application via a Web (hyper-text markup language-HTML) browser 10 or via the CompuServe Information Service 14 using the CompuServe Information Manager for Windows00 (WinCIM00) 16. Other methods of access may be used as well — for example, a native Microsoft* Windows'0 application. In addition, Conductor components may include financial services that are part of an on-line information service so that they are available only to subscribers ofthe on-line information service.
As shown in Figure 1, packets destined for the Conductor Network are routed 18 to a Web Server 22 for processing. Because security is a significant issue for on-line financial information systems, a Firewall 20 is established between the Router 18 and the Web Server 22. User verification and data access may then occur in a secure environment. Separate user connect/data access protocols isolate internal/ external networks. An indirect method of user
identification is used to secure account numbers and sensitive data are passed via two-key encryption. Token passing is used for connected host identification.
The Conductor System Architecture is itself built on a Common Object Request
Broker Architecture (CORBA)-compliant Distributed Object Computing Platform. This
development platform is well-known in the art and is not explained here. Primary system components include Financial Object Servers, Distributed Name (or Name Lookup) Servers, and Database Servers. Other components include Communication, Security, and Logging servers. As shown in Figure 1, a number of Distributed Name (or Name Lookup) Servers 24, 26, 28 and Financial Object Servers 30, 32, 34 may be in operation at one time. When ranning, these servers may communicate with a Legacy System 38 or other Database Servers 36 in order to respond to specific requests for information. Data requests may be serviced in
any one of a number of ways. For example, data may be accessed using a Microsoft* SQL Server running on Windows NT™.
Clients and servers in a Conductor based system communicate according to an application-level protocol. The application-level protocol specifies how a client interprets data sent to it by a server. Differences in the implementation of various services are hidden behind this consistent API. Within applications, the protocol for communication between various components is a call-level API. When one part of the apphcation needs something, it calls a procedural interface in another part. Such calls do not return until the procedure has executed so the flow of control is simple and direct. Extending these synchronous procedure calls across the network interface has the advantage of simplifying the access to distributed resources by elevating it to the level of standard procedural mechanisms familiar to a majority of developers.
Chents in a Conductor system have an object-oriented Application Programming Interface (API) to the distributed resources or services using a class-like construct called an
"Interface" which groups operations and attributes. Interfaces are used by applications, financial service providers, Web (hyper-text transfer protocol- HTTP) servers, and clients to obtain and manipulate financial information for users of the system. Because chents know only the nature of the Interface, it may be implemented in any manner. For example, Interfaces may be implemented in one language and chents in another. The implementation of an Interface may then be altered at will without affecting any clients. As long as the protocol to the Interface is stable, the client implementation is stable.
Chents located anywhere on the global Internet ask for and bind to services by name. Clients locate Interfaces by naming a server which implements one, and they may do so from any site with a TCP connection to the Conductor domain {conductor.com). The names of
servers are provided by a name lookup Interface which runs on the only host whose name clients need to know. Following name lookup, a client begins communication with a server capable of servicing the client's specific request. The access is synchronous and call-level using either C++, Smalltalk, or C. In other words, clients access services by making standard synchronous procedure calls. Client load is automatically apportioned among all ready object servers at lookup time.
There are several benefits to using name lookup to connect clients and servers. name lookup layer isolates chents from the location or readiness of any individual server. Although the financial information system is based on the Internet Protocol (IP), chents are completely isolated from back-end data sourcing concerns and do not need to know the TP addresses of servers. Using this approach, servers may be added simply by connecting to the network, installing system and server software, and adding the machine name to the lookup
database. Consequently, clients are not affected by database, network, operating system, hardware platform, or server architectural changes. For example, native 32-bit Windows* applications may use client-side abstraction libraries that hide details of bmding to and executing calls on remote servers. Servers may be implemented on cheap, fast Intel-based
Windows NT™ network servers and new servers may be added to the system by copying files over and adding the host name to a single locator file. The distributed nature of the system means that it is composed of relatively simple applications that implement a single Interface or a .small group of Interfaces through which clients and servers communicate.
Another benefit of using name lookup to connect clients and servers is that .servers may have geographical independence. Site independence for servers means that different servers may be developed and maintained by different financial services providers. User access
mechanisms provided by chents remain the same so users may access new financial services using familiar methods.
The interface between chents and servers is binary. For various reasons, a binary interface to information and services is preferable to a textual one. Such an interface is more efficient and the data may be useful in more varied applications. Binary data may be converted to text for viewing by humans, sent in binary form to other providers, or retrieved in binary form and processed by a consumer application. Binary objects may be dragged off of a window and dropped into a finance application or they may be used to generate reports.
Referring to Figure 2, a diagram of the client and server components of a financial information system based on the Conductor System Architecture is shown. Among the server components supported by Conductor are databases. For example, financial information of interest to users of the system is contained in different databases 28, 34, 40 within the difcStributed environment. Each database has its own access mechanism 26, 32, 38. As explained earlier, among the methods for accessing a system based on the architecture are a Web (hyper-text markup language-HTML) browser 10 that communicates through a Web Server 20 or a native Windows* application 12.
The Firewall 14 increases system security of applications running in the Conductor environment. The TCP/IP protocol stack 16 is the Internet communication vehicle. Another Conductor component — the Object Request Broker (ORB) — is an "information bus" that connects chents to the servers or objects they need in a heterogeneous environment. By definition, an ORB is platform independent, language neutral, and may run in many networked environments. In other words, ORBs provide interoperability between applications on different machines in a heterogeneous environment. ORBs implemented in one language may communicate with those implemented in another, on a completely different hardware platform. The same is true for the object implementations to which the ORB provides access. Three example objects are shown in Figure 2 — a card object 24, a checking object 30, and a bill pay object 36. The objects serve as links between chents 10, 12 and data contained in the databases 28, 34, 40. The name server 22 performs the name lookup function for clients so they may establish communication with the financial object that performs the needed services.
The distributed nature of the Conductor System Architecture means that a financial services system may be composed of relatively simple financial services apphcations accessible from one of several interfaces. The result of this is that each financial service apphcation is easier to develop and maintain, and the Conductor-based financial services system at large is more flexible and robust. The present invention has been described in the form of preferred embodiments. However, several modifications and variations may be made to the invention
and fall within the scope ofthe claims.

Claims

WHAT IS CLAIMED IS:
1. An on-line financial information service system based on a distributed system architecture, comprising:
at least one financial information server for processing financial information requests; a name for said financial information server;
at least one data server for processing requests for data from said financial information server; a financial information request from a client, said request including said financial information server name;
at least one name server for processing said financial information request from said client by locating said financial information server, said location determined by said financial information server name; and a communication link between said client and said financial information server at said location.
2. The system of Claim 1, wherein said client is a hyper-text markup language browser
3. The system of Claim 1, wherein said client is a presentation tool for an online information service.
4. The system of Claim 1, wherein said communication hnk between said client and said financial information server is through an object-oriented apphcation programming
interface.
5. A method for providing financial information through a distributed system, comprising the steps of providing a plurahty of financial information servers capable of servicing financial information requests, providing a name server for deteπnining locations of said financial infoπnation servers, providing a chent capable of transmitting financial information requests to said plurahty of financial information servers; specifying by name a financial information server capable of servicing a financial information request, said name specified by said client;
detennining within said plurahty of financial information servers a location for said financial information server with said name, said location determined by said name server; and binding said chent to said financial information server at said location.
6. The method of Claim 5, wherein said binding consists of a synchronous procedure call by said client to said financial information server.
7. The method of Claim 5. wherein said locations for said financial infoπnation servers are based on Internet Protocol addresses.
8. The method of Claim 5, wherein said financial information servers are developed and maintained by a plurahty of financial service providers.
9. The method of Claim 5, wherem said chent is a hyper-text markup language browser.
10. The method of Claim 5, wherein said client is a presentation tool for an online information service.
1 1. An on-line financial information service system, comprising: a plurahty of financial information servers capable of servicing financial information requests; a name for each of said plurality of financial information servers;
a client capable of transmitting a financial information request, said request including a name of one of said financial information servers; an interface for linking said client to one of said financial infoπnation servers;
and a name server for processing said client financial information request by locating said interface, said location associated with said financial information server name.
PCT/US1996/020569 1995-12-20 1996-12-18 System for on-line financial services using distributed objects WO1997022941A1 (en)

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US20060179117A1 (en) 2006-08-10
US20010056475A1 (en) 2001-12-27
US7032008B2 (en) 2006-04-18
US6131115A (en) 2000-10-10
US5706442A (en) 1998-01-06

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