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Cross-platform data processing

A technology of data processing and data processing system, applied in the field of public data processing, can solve problems such as expensive, unsolved, lack of available hardware physical capacity, etc., to achieve the effect of eliminating the need for multiple processing paths

Inactive Publication Date: 2010-01-20
BANK OF AMERICA CORP
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, they have not been resolved
Traditionally accepted solutions would be prohibitively expensive and require many additional hardware resources due to lack of physical capacity within available hardware

Method used

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  • Cross-platform data processing
  • Cross-platform data processing

Examples

Experimental program
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Embodiment Construction

[0017] The principles underlying the present invention are applicable to any environment where it is desirable to provide a common solution across multiple non-public platforms. The specific example to be described is given in connection with the banking industry and involves a scheme whereby a customer using a debit card for purchases has the amount spent on the card rounded up to the most recent total . Then, this aggregated amount is credited to a savings account in the aforementioned bank. The savings account may be held by different parties. The bank may provide incentives to encourage customer participation such as matching transfers to savings accounts up to a certain predetermined amount over a period of time. This method is described in detail in PCT / US2006 / 030362, the contents of which are incorporated by reference. This example is merely illustrative, and the general principles underlying the invention may be applied more broadly. However, as will be understood ...

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PUM

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Abstract

In a financial transaction system data records are held on a plurality of independent data processing platforms. At each platform, data extract files are formed which identify records that are eligible for a certain type of transaction and further data files are formed which comprise monetary transfer transaction data. Both types of file are passed to a common data processing platform from all the independent platforms and the extract files for each record are combined to form a single file containing information about each record held across the platforms. This single file is then processed against the monetary transaction transfer files. Ineligible transactions are identified and blocked by switching destination data to source data. The transactions are then combined into a single file which is passed to a transaction exchange application which reformats each transaction into the correct format for the platform on which the record to which it relates is stored.

Description

technical field [0001] The present invention relates to the common processing of data held by disparate data processing systems, and in particular to the extraction of data for common purposes from disparate systems running on different platforms. Background technique [0002] Many business organizations have grown through the acquisition of companies. Acquired companies have their own computer systems, databases, customer records and processes running on a platform that may be proprietary and not designed or intended to interface with any other systems. Although the problem is common in many industries, it is particularly acute in the financial industry, where large banks have acquired many smaller banks. Additionally, the banking system has evolved during a time when cross-border banking was constrained. In the US, until relatively recently, there were severe restrictions on the ability of banks to operate across state lines. In Europe, the development of a single Europ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06F17/00G06Q10/10G06Q40/02
CPCG06Q40/02G06F17/30569G06Q10/10G06F16/258
Inventor 史蒂文·M·格里尔博比·L·布里顿杰克·瓦迪加里·E·斯迈利
Owner BANK OF AMERICA CORP