CN101632077B - System and method for processing data from cross-platforms - Google Patents

System and method for processing data from cross-platforms Download PDF

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CN101632077B
CN101632077B CN2007800509965A CN200780050996A CN101632077B CN 101632077 B CN101632077 B CN 101632077B CN 2007800509965 A CN2007800509965 A CN 2007800509965A CN 200780050996 A CN200780050996 A CN 200780050996A CN 101632077 B CN101632077 B CN 101632077B
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史蒂文·M·格里尔
博比·L·布里顿
杰克·瓦迪
加里·E·斯迈利
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Bank of America Corp
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BankAmerica Corp
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    • G06QINFORMATION 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
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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

Be used to handle system and method from the data of a plurality of different pieces of information processing platforms
Technical field
The present invention relates to the common process of the data of isomery (disparate) data handling system maintenance, and particularly, relate to for public purpose and extract data from the heterogeneous system that moves in different platform.
Background technology
Many establishment develop through acquiring company.The company of being purchased has their computer system, database, customer files and the processing that moves on like lower platform, this platform can be privately owned and not design come or be intended to and any other system docking.Although this problem is general in many industries, it therein large bank to have purchased the financial circles of many small-sized banks especially serious.In addition, banking system develops in cross-border bank limited period.In the U.S., till relatively in the recent period, be used to stride the ability of runing on the circle, state for bank and still have strict restriction.In Europe, the development of single European market in the European Union, stride circle, state or national boundaries internationalization ground operation together with being used for making the general trend of financial liberalization to make bank expand to from zone operation independent on geography.This development has caused the very technical matters of essence in integrating the different non-standard computer system of being operated by the each several part of tissue.
Thereby, in the U.S., bank core is deposited system (deposit system) and be restricted to by self operation of bank with by the defined particular locality of not integrating of purchase.Interdepartmental system will can not take place between the core banking system to be handled, up to carried out be used for this geographic area being incorporated into the conversion of big entity till.This conversion is extremely expensive and consuming time, and possibly replace fully all software and hardwares in the special area, and causes very complicated data migtation problem.In the practice, this integration does not often take place.
As this result who does not integrate, in mechanism of large bank, need stride the exploitation of a large amount of different platforms for the exploitation of the public solution of new product development.Thereby, for the mechanism that is used for to client's introduce new product or service, for example on each existing platform, will need this product in the exploitation.Aspect development time, cost and human resources, this obviously is the most unappealing a kind of method.And it makes and extremely to be difficult under the situation of not considering the geographic position, to transmit a kind of public experience to all clients.Thereby not only expectation avoids creating the equivalent solution of striding a plurality of platforms, and the not replacement fully of integration platform is avoided in expectation.
Said problem need worsen under the situation for the visit of different platform at special product-feed, and this is owing to can not simply this product be provided as a large amount of identical product that is transmitted by different platform.
For many years, the problems referred to above have been known and have understood well.Yet they are still unresolved.Accepted traditionally solution will be extremely expensive, and owing to the physical capacity that lacks in the available hardware needs a lot of additional hardware resources.Common accepted solution need be extracted mass data from various platforms, and passes to various platforms, and it is consolidated to being used for the spendable form of triangular web.This will usually comprise the data of being extracted will be reformatted as common format, and this is unusual difficulty in some environment (the non-existent environment in another form of the field in one of them file layout particularly).
Summary of the invention
The present invention is intended to solve the top problem of discussing, and the integration of non-common platform is provided, and strides the single solution of a plurality of platforms with payment (deliver).
Independent claims through having made reference limit the present invention.
In the embodiment of the invention of processing from the data of a plurality of different pieces of information processing platforms, each in a plurality of data processing platform (DPP)s has database of record.The software at each place in a plurality of data processing platform (DPP)s is from extracting data in the record of data handling system storage; Forming the first data extract file and to form second file, said file has the relevant data of at least some records in the record with each place's storage in a plurality of databases.The common data processing platform is handled first extraction document and second file that receives from a plurality of different pieces of information processing platforms, and this common data processing platform comprises: be used for the software from the first data extract combination of files of each reception of a plurality of platforms data extract file after for combination; And be used to contrast the software that data extract file after the combination is handled second file that is used for each platform, identify the record with predetermined attribute of the data from wherein extracted the first data extract file thus.The software that is used to handle second data file relevant with the record that is identified also is provided, and said processing comprises that the data handling system that belongs to their respective record formats second data file.
Preferably, the software at each place in the said data processing platform (DPP) will turn to common format from each second document format data in a plurality of data processing platform (DPP)s.Preferably, the said software that is used to handle second data file relevant with the record that is identified comprises: be used for second data file that is identified is combined as the software of single file, carry out reformatting for this single file.
The said first data extract file can comprise: whether the data recording of the data from extraction document wherein is suitable for the indication of scheduled operation.In one embodiment, from Account History, extract the data in the first data extract file, and this adaptability is the indication that the account whether can receive transaction.Preferably, the said first data extract file comprises: the data of from each record that the data processing platform (DPP) of having created them keeps, extracting.Said second data file can comprise: the money transfer transaction data, these money transfer transaction data can comprise source account data and destination account data.
The money transfer transaction data that data extract file after said software in the operation of common data processing platform place can contrast combination comes the processing first data file have the transaction that is not suitable for the destination account data with sign.
On a large amount of different pieces of information processing platforms, keep data therein and in an identical manner in any environment of processing said data, embodiments of the invention are favourable.Avoided for the demand of sending complete master record to common platform from the establishment of the extraction document of various platforms.In the environment such as bank, this master record can be the bank account record, and it is big that each bank account record can write down 10000 bytes as each.Embodiments of the invention have avoided having for transfer the demand of the big file of big record size, otherwise it also can prevent through data transfer rate and the storage available that is attached to any single platform.And embodiments of the invention have been avoided being used for the problem that the incompatible file formats of the record on the different platform is associated with disposal, if shift complete documentation, then this problem occurs.Dispose these different records and need handle paths based on many in the judgement engine at the common platform place of source platform, this does not expect very much.Use the data extract file at each platform place to create the small records that only has the necessary data element and solved data transfer/storage problem, and eliminated the demand of handling paths for many in the judgement engine with common platform place.
Description of drawings
Now will only embodiments of the invention be described, wherein by means of example and with reference to accompanying drawing
Fig. 1 is the schematic overview that is used for the system of embodiment of the present invention, and
Fig. 2 is the process flow diagram that illustrates the step of carrying out in embodiments of the present invention.
Embodiment
Be implied in principle of the present invention and can be applicable to any environment that its desired provides the public solution of striding a plurality of non-common platforms.Provide the particular example that will describe in conjunction with banking industry, and this example relates to following scheme, through this scheme, the client of the debit card that is used to buy has and gathers (round up) amount of money to the cost on this card of nearest total value.Then, this is gathered the amount of money and charge to (credit) savings account in the above-mentioned bank.Can hold this savings account by difference side.This bank can provide incentive mechanism, participates in matching to a certain predetermined dollar value such as the amount of money at the savings account of will transferring accounts on the time period to encourage client.In PCT/US2006/030362, describe this method in detail, merge its content by reference.This example only is an illustrative, and can more extensively use and be implied in General Principle of the present invention.Yet, never will understand in the early stage discussion of integration platform, this processing need be used for a large amount of operations that the various deposit platforms of cross-bank are carried out.And, owing to charged to the savings account that gathers the amount of money and needn't have identical name, so uncertainly will on same platform, keep said two accounts with current account or Demand Deposit Accounts.Without doubt, possibly on entirely different platform, keep said two accounts, said platform maybe at country variant or operate in the state and possibly use incompatible data layout and structure.Realize that the particular technology problem that this product produces comprises: how to tackle the overdraw situation; How to identify and tackle buttoned-up account payee; How under the situation of not building a plurality of systems, to support to stride the incentive mechanism of a plurality of platforms; And how to check the data relevant and what have gathered with having gathered which transaction.With discuss in more detail in these problems each.
In the payment of this method, importantly, transfer accounts to savings account and to gather the amount of money and can not cause that current account gets into overdraw.If gather it along with carrying out every transaction, can't conclude then what the state of the account is.Apparently, this does not expect for client, and will be the serious obstruction factor that client uses this system.The All Activity that applied this commercial processes need gather having ready conditions when the end on business day amounts to, and need transaction summary be created as this day transfer items at last (posting).If this is transferred items and the account is shown will be in overdraw, then revising should transaction, so that fractionl amount to be shown, so that do not take place for gathering of this Day Trading to user's indication.In order to realize this commercial processes, each separate platform of being used by bank needs to revise.
Needs for the buttoned-up account payee of sign cause sizable technical matters.This need stem from following possibility, and promptly client possibly specify buttoned-up account to receive to gather the amount of money or the specified amount of money to become to close, and this makes no longer possibly gather the amount of money to specified account transfer.Because the current account possessor possibly not hold this reception account, closes so the current account possessor possibly not recognize this reception account.In the past, deal with this type problem through producing the do not transfer items report of (non-posted) transaction and the transaction of manually handling then in this tabulation wherein receive Account Closure.The present invention makes this processing robotization, and a kind of different platform ground inspection account status, technical solution that gathers transaction accepting to be transferred items of striding is provided.Below, the mode that realizes this technical solution is described in more detail.
Can be through be provided for to the database with central functionality property need be to the accessing points of each platform of database access; Solve support incentive mechanism (such as, the amount of money that gathers of the savings account of will transferring accounts that is provided by bank matches the amount of money that gathers that matees the savings account of transferring accounts to a certain value and/or in a limited time period) problem.
Can also address the problem through central functionality property database, promptly check transaction data, stride a plurality of platforms and gathered which transaction and what have gathered to illustrate.This database docks with each platform, and from available data warehouse and accounting system, fetches data, to confirm that which transaction is suitable for gathering.Then, which transaction these data of this data base manipulation and mark have used.(repository) sends this information to following repository, in this repository, this Day Trading in this information and the profile library database is complementary, to be used for online checking.
To understand, and use the method for central database to make which transaction be suitable for gathering and enough surely really in following platform-neutral environment, take place, said platform-neutral environment is partial to move parallel processing making on identical each definite platform very much.
Fig. 1 shows the sketch of the cross-platform data extraction system that is used for embodiment of the present invention.This system comprises: a plurality of platforms 10 (i) are to 10 (n), and it has comprised and has been used for being implemented in the required data of aggregation process that PCT/US2006/030362 describes.In these platforms each comprises the deposit system, and under the situation of national or full EU scope system, and each in these deposit systems possibly be zone or national deposit system.In each platform, the data extract of the Account History of self-contained following information in the future forms file.
(i) state entity
(ii) coding of accounts
(iii) account status
The latter's state is the indication that whether is suitable for receiving moneytary operations for the account, and therefore is to gather the essential information of transferring accounts in handling.Locate not only to create but also store said extraction document, and 12 (i) in Fig. 1 locate to show said extraction document to 12 (n) to 10 (n) in regional platform 10 (i).Thereby each platform forms the extraction document of the minimum above-mentioned data with each account that is used on this platform, keeping.To prepare N extraction document, an extraction document is used for each of said platform.To understand, though possibly be divided into any extraction document in these extraction documents of being filed a large amount of independent files, single file is easier to handle.Only be extracted in the low volume data of storing in each Account History.Thereby, to compare with the total data that in Account History, keeps, this data extract file is very little.
Except being used to indicate the file of account status, each platform is also created a kind of file that is used to create the required information of money transfer transaction that comprises.This document comprises and is used to have the said Transaction Information of handling Japan-China those Demand Deposit Accounts that gather transaction.
This document is formatted as the standard that can be used for cross-platform public input file of transferring accounts.Since for many years the sector can from a platform to another platform and from bank to the bank transfer amount of currency, so this file layout is well-known.An example of suitable file layout is the currency input file of transferring accounts between the system of informativeness financial sector (Fidelity Financial System).This document comprises with the following information that has the account of transaction on it:
(i) send the account entity
(ii) send coding of accounts
(iii) trade date
(iv) send and use the debit transaction code
(v) receive the account entity
(vi) receive coding of accounts
(vii) receive to use and charge to transaction code.
In Fig. 1, these files are depicted as 14 (i) to 14 (n).Thereby first group 12 (i) is the data extract file that can be regarded as the account status file to said first file of 12 (n), and second group file 14 (i) is the money transfer information file to 14 (n).Depend on the money transfer information file, whether there is any activity, given account can or can not contribute to the money transfer information file to the settled date.In one embodiment, given account is transferred accounts only having single currency for the settled date, and this is transferred accounts is that all that created gather sum.On the contrary, be used for account status data with always existing in each account of the account status extraction document that provides from each platform.
Fig. 1 shows common platform 16, and it comprises the judgement engine, and receives two files that are used for each processing entities.This suitable platform is single large scale computer LPAR bunch that safeguards at single treatment station place.Can use NDM to handle execute file to shift.NDM (network data shifter) is the known process that is used for the staged files between the mass computing machine platform, and extensively is used in the financial services industry.Thereby each entity on from each platform 10 (i) to 10 (n) receives two files via NDM for common platform 16.
At common platform 16 places, will be combined as single VSAM file from the account extraction document of each processing entities or platform, this VSAM file is used for confirming to receive account and whether is suitable for receiving moneytary operations.VSAM (virtual memory access method) is known IBM file management system.Thereby, created and comprised from the single file of all platforms 10 (i) to the account adaptability file of 10 (n).Therefore, the VSAM file also is the account extraction document.In Fig. 1, the account extraction document after 18 places show this combination.
Common platform has now and is used for account extraction document and the independent currency input transaction file of platform 10 (i) after each the combination of 10 (n).This makes it possible to sign and wherein receives the unaccommodated transaction of account and do not make and transferring accounts.Because this reception account does not exist, perhaps because the account status of this reception account has indicated it to be not suitable for receiving moneytary operations in the account extraction document, so this reception account possibly be not suitable for.Handle currency input transaction file through the account extraction document after the contrast combination individually for each platform or entity, realize this function.Account status in the extraction document after combination illustrates under the situation of being not suitable for property, and the reception account details in the extraction document after the combination is changed into the transmission account.This means that the amount of currency that will conclude the business is returned effectively sends account.Thereby, since will be not to account payee's this amount of money of transferring items, the debt-credit of this transmission account so reversing had before been transferred items.This processing is also changed transaction and is described and the transaction code of transferring items.The various arrangements (disposition) that reflected this transaction are described in these transaction.To gather the transfer items transaction of savings account of the amount of money and will have different descriptions with the transaction of being returned Demand Deposit Accounts because savings account is in the state of being not suitable for.In the particular deposit system, define the transaction code of transferring items.These codes tell which option is the deposit system will use when transferring items transaction.
Should receive moneytary operations in case confirmed which account, just all transaction are combined as single input file.All various deposits system accomplished handle every day after, this is handled and takes place once every day.Form this input file at the common platform place, and it is depicted as 20 among Fig. 1.This document comprises the trade detail of the account that is used for keeping to any platform of 10 (n) at platform 10 (i).Then, need to handle this document, with moneytary operations behind the establishment reformatting and general ledger (ledger) transaction.Can should be used for carrying out this processing by transferring accounts between above referenced informativeness system.
Transferring accounts application a plurality of currency of generation and ledger transaction 22 (i) under the situation of 22 (m), and 22 places in Fig. 1 illustrate this processing.At this place, transaction all is between identical system in the form, and can not be handled by each platform in stage.Common platform sends transaction 22 to systems exchange application 24, and this systems exchange application 24 carries out reformatting according to the platform that has kept the account relevant with this transaction above that to every transaction.Thereby, should be used for correctly formaing every transaction for each particular deposit.Then, can send said transaction to each deposit system, to handle.
Fig. 2 shows the process flow diagram of the step in the above-mentioned document processing operation.In step 100, each platform is created transaction adaptability extraction document, and each platform is created the moneytary operations file in step 102.In step 104, receive these files, and in step 106, create the account extraction document after the combination by common platform.In step 108, receive said transaction file, and the per contra account extraction document is handled these files in step 110.In step 112, whether common platform is confirmed to accept account for every transaction and is fit to, and if be not suitable for, then in step 114, carry out above-mentioned account destination and switch.Be fit to if receive account, then continue to handle, and in step 116, all suitable transaction are combined as single file.In step 118, these files are carried out reformatting, create correct file layout to use for each destination deposit.In step 122, each platform receives relevant with the account that on its platform, keeps and is in the transaction data in the form with this platform compatibility.
Said embodiment only is included in a fraction of extraction document in a large amount of non-common data that keeps in the account file on each platform through creating, and makes it possible to carry out cross-platform processing.These extraction documents are transferred to wherein make up two independent extraction documents, with the common platform of the single extraction document that is formed for each account.At the common platform place, contrast is carried out public task from the data that having money on deposit platform receives.
This method is utilized the selected data from each deposit platform is arrived in cross-platform data handling utility, makes it possible to carry out real cross-platform data processing.Thereby, contrast with wherein carrying out art methods independent, still similar processing at each platform place, need single processing operation for data from all platforms.Said embodiment has following advantage, and promptly all clients can receive identical Customer Experience, and the geographic area that is positioned at them is irrelevant.Under the situation of banking system, it makes the client's money transfer between account easily that in several zoness of different, has account.Under the situation of the method for summary in above-mentioned and PCT/US2006/030362, it makes it possible to gather in response to what on client's current account, carry out, with transfer of financial resources to holding and belong to by any side by the savings account on any platform of bank's operation.And, its make bank can operate to all clients identical incentive mechanism is provided and with the irrelevant incentive mechanism scheme of geographic position or Account Type.For example; In said aggregation system, its make bank can to the savings account of selecting by client charge to stand preset time section and/or this incentive mechanism can with time period on the amount of money restriction charged to, with by gathering amount of money equal amount payment or any other desired amount of money that operation is transferred accounts.
Avoided for the demand of sending complete accountee record to common platform from the establishment of the extraction document of various deposit platforms.The account master record can to write down 10000 bytes as each big.Retrain the big file that transfer has big record size through data transfer rate and the storage available that is attached to any single platform.Accountee record from difference deposit platform has incompatible file layout.Dispose these different records and need handle paths based on many that deposit in the judgement engine at common platform place of system in the source, this does not expect very much.The small records that allows each deposit system creation only to have the necessary data element had both solved data transfer/storage problem, had solved the demand of handling the path for many in the judgement engine with common platform place again.
Although in the context of financial sector, described the system and method that is used for embodiment of the present invention; But will understand the computer system that the present invention can be applied to need common process to be applied to belong to independent and incompatible and by any system of the data of said computer system processor.
Possibly carry out many modifications to said embodiment within the scope of the invention, and only the scope through following claim limits the present invention.

Claims (21)

1. one kind is used to handle the system from the data of a plurality of different pieces of information processing platforms, comprising:
A plurality of data processing platform (DPP)s, each data processing platform (DPP) has database;
The parts at each place in a plurality of data processing platform (DPP)s; Be used for extracting data from record in the data processing platform (DPP) storage; The first data extract file and second data file that have the relevant data of at least some records in the record with each place storage in a plurality of databases with formation; The said first data extract file comprises the account status file, and said second data file comprises the money transfer message file; And
The common data processing platform is used to handle the first data extract file and second data file that receives from a plurality of different pieces of information processing platforms, and this common data processing platform comprises:
Being used for will be from the parts of the first data extract combination of files of each reception of a plurality of platforms data extract file after for combination;
Being used for contrasting data extract file after the combination handles second data file that is used for each platform, identifies from the parts of the record with predetermined attribute of the data of wherein having extracted the first data extract file thus; With
Be used to handle the parts of second data file relevant with the record that is identified, said processing comprises that the data processing platform (DPP) that belongs to for their respective record formats second data file.
2. according to the system of claim 1, the parts at each place in the wherein said data processing platform (DPP) will turn to common format from each second document format data in a plurality of data processing platform (DPP)s.
3. according to the system of claim 1 or 2; The wherein said parts that are used to handle second data file relevant with the record that is identified comprise the parts that are used for second data file that is identified is combined as single file, and wherein carry out reformatting for this single file.
4. according to the system of claim 1, the wherein said first data extract file comprises: whether the data recording of the data from extraction document wherein is suitable for the indication of scheduled operation.
5. according to the system of claim 4, wherein from Account History, extract the data in the said first data extract file, and this adaptability is the indication that the account whether can receive transaction.
6. according to the system of claim 1, wherein said second data file comprises: the money transfer transaction data.
7. according to the system of claim 6, wherein said money transfer transaction data comprise source account data and destination account data.
8. according to the system of claim 6 or 7, wherein said common data processing platform comprises that further the data extract file that is used to contrast after the combination comes the money transfer transaction data of processing first data file, has the parts of the transaction that is not suitable for the destination account data with sign.
9. according to the system of claim 1, the wherein said first data extract file comprises: the data of from each record that the data processing platform (DPP) of having created them keeps, extracting.
10. one kind is used to handle the method from the data of a plurality of different pieces of information processing platforms, comprising:
Extract data in the record of from each the database in a plurality of data processing platform (DPP)s, storing; To form the first data extract file and second data file; The said first data extract file and second data file have and relevant data of at least some records in the record of each data processing platform (DPP) place storage; The wherein said first data extract file and second data file have type of info at least jointly; The said first data extract file comprises the account status file, and said second data file comprises the money transfer message file;
Manage the first data extract file everywhere at the common data processing platform, making up the first data extract file that receives from a plurality of data processing platform (DPP)s for given record, thereby form the data extract file after the combination;
Data extract file after the contrast combination comes the processing first data file, has the record of predetermined attribute with sign; And
Handle and be identified as the second relevant data file of record, comprise that the data processing platform (DPP) that belongs to for the record that is identified formats each second data file with predetermined attribute.
11. according to the method for claim 10, the step of wherein said formation second data file comprises: will turn to common format from the data layout that is extracted of the record in the data processing platform (DPP) each.
12. method according to claim 10 or 11; The step of second data file that wherein said processing is relevant with the record that is identified comprises: will be single file with the relevant data combination of the record that is identified, and wherein carry out reformatting for this single file.
13. according to the method for claim 10, the wherein said first data extract file comprises: whether the record of the data from extraction document wherein is suitable for the indication of scheduled operation.
14., wherein from Account History, extract the said first data extract file, and this adaptability is the indication that the account whether can receive transaction according to the method for claim 13.
15. according to the method for claim 10, wherein said second data file comprises the money transfer transaction data.
16. according to the method for claim 15, wherein said money transfer transaction data comprise source account data and destination account data.
17. according to the method for claim 15 or 16, the money transfer transaction data that the data extract file after the processing at the wherein said common data processing platform place contrast combination comes the processing first data file have the transaction that is not suitable for the destination account data with sign.
18. the method according to claim 17 comprises: the destination account data that will be identified as unaccommodated transaction changes to the source account data.
19. according to the method for claim 10, the wherein said first data extract file comprises: the data of from each record that the data processing platform (DPP) of having created them keeps, extracting.
20. according to the method for claim 10, each is self-contained for the data extract file that wherein forms at each platform place: the identical data that is used for each record of storage at said platform place extracts.
21. according to the method for claim 10, wherein said is coding of accounts by first extraction document and the common information that keeps of second data file.
CN2007800509965A 2007-02-06 2007-02-06 System and method for processing data from cross-platforms Expired - Fee Related CN101632077B (en)

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Application Number Priority Date Filing Date Title
PCT/US2007/061694 WO2008111965A2 (en) 2007-02-06 2007-02-06 Cross-platform data processing

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