EP1436717A1 - Method and platform for real time digital transaction - Google Patents

Method and platform for real time digital transaction

Info

Publication number
EP1436717A1
EP1436717A1 EP02795321A EP02795321A EP1436717A1 EP 1436717 A1 EP1436717 A1 EP 1436717A1 EP 02795321 A EP02795321 A EP 02795321A EP 02795321 A EP02795321 A EP 02795321A EP 1436717 A1 EP1436717 A1 EP 1436717A1
Authority
EP
European Patent Office
Prior art keywords
targets
platform
message
format
user terminal
Prior art date
Legal status (The legal status 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 status listed.)
Withdrawn
Application number
EP02795321A
Other languages
German (de)
French (fr)
Inventor
Fadel Hachem
Frédéric PHILIBERT
Florian Beaufume
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Prima Solutions
Original Assignee
Prima Solutions
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 Prima Solutions filed Critical Prima Solutions
Publication of EP1436717A1 publication Critical patent/EP1436717A1/en
Withdrawn legal-status Critical Current

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Classifications

    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • 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
    • G06Q40/08—Insurance

Definitions

  • the present invention relates to a digital transaction process in real time between a user terminal and at least two targets, comprising the following successive steps: a) reception of a message sent by said user terminal, b) dialogue with said targets comprising transmission of said message to said targets and reception of responses from said targets, c) transmission of at least one of said responses to said user terminal.
  • the invention also relates to a digital transaction platform between a user terminal and a plurality of targets.
  • a digital transaction platform that is to say intended for establishing a transaction between a terminal and one or more targets, is useful for the user of this terminal who can, through him, consult , in a single operation, a large number of targets, that is to say for example databases of companies marketing a product he is looking for.
  • a digital transaction platform is also useful for these companies which, through it, are consulted by users who might not otherwise have contacted them.
  • a known, non-limiting example concerns the insurance market.
  • a user who wishes to insure a car for example, provides information to a platform allowing it to consult several insurers.
  • the user can be for example an individual, an insurance agency, or a car distributor. He can send his request to the platform for example via Internet sites, Extranet or public XML interfaces.
  • Any digital transaction platform includes computer hardware, also called “hardware”, and one or more software, also called “software”.
  • the computer hardware includes at least one computer, notably equipped with an electrical supply, electronic cards ("memory” cards, “graphics” or “sound” cards, CPU, etc.) and communication buses.
  • peripherals such as archiving or storage means (magnetic tape, CDROM, floppy disk drives, etc.), printers and means of interfacing with users (screens, keyboards , mouse, etc.).
  • the software provides the programs containing instructions for the implementation of the computer hardware.
  • the programmed computer hardware can thus provide means of calculation, communication, data storage, device management, etc.
  • a digital transaction platform in particular comprises one or more programs adapted to implement the computer hardware so as to make possible a digital transaction between a user terminal and targets.
  • FIG. 1 schematically represents the functional architecture of a digital transaction platform 1 or “transaction platform”.
  • This functional architecture as in those of FIGS. 2 and 3 which will be described in the following description, comprises functional blocks i each symbolizing a "functional unit”.
  • the digital transaction platform 1 is intended for the exchange of digital information between a user terminal 3 and three targets 5a, 5b and 5c. It comprises upstream interfacing means 6, routing means 7, downstream interfacing means 9, means for processing responses 11, and supervision means 13.
  • the upstream interfacing means 6 are programmed so as to configure the screen page read by the user in real time.
  • the screen can adapt this screen according to the identity of the user, by using their graphic charter or by inserting their logo.
  • the user is an exclusive distributor of a brand of vehicles, does the screen offer, when entering the type of vehicle to be insured, only a choice from among the types of vehicles of this brand.
  • the upstream interfacing means 6 also adapt the screen of the user terminal 3 according to the progress of the dialogue. For example, they can pre-fill certain sections, adapt the pages to the answers previously given by the user, modify the number, etc.
  • the upstream interfacing means 6 When the user has finished filling out the form presented to him by the upstream interfacing means 6, he validates it.
  • the upstream interfacing means 6 then prepare a message M containing at least the user's responses to the headings of the form, and transmit the message M, with for example an identifier of the user Id, to the routing means 7.
  • the routing means 7 select from all the potential targets the targets to which the message M must be sent.
  • Commercial agreements between an insurer and a vehicle distributor can, for example, condition this selection.
  • the choice of potential targets is made by the routing means 7 independently of the user's will, for example as a function of the user's responses contained in the message M and or of their identifier Id.
  • the routing means 7 then generate a request Q containing at least the message M and means of identifying targets 5a, 5b and 5c that they have selected. Then they send the request Q to the downstream interfacing means 9.
  • the function of the downstream interfacing means 9 is to organize the dialogue with the selected targets 5a, 5b and 5c and to deliver to the response processing means 1 1 a synthesis R of the responses Ra, Rb and Rc, respectively, emitted by targets 5a, 5b and 5c.
  • the response processing means 1 1 are responsible for analyzing the responses provided and for processing them, for example by filtering them or by ranking them according to the amount of the quotes proposed by the targets 5a, 5b and 5c, and / or by user function.
  • the response processing means 1 1 generate a result R 'which they transmit to the upstream interfacing means 6.
  • the upstream interfacing means 6 transform the result R 'into R * so as to make it presentable to the user, then send R * to the user terminal 3.
  • the downstream interfacing means 9 can, according to a first configuration, consult data stored in a database common to all the insurers and regularly updated by the latter.
  • the downstream interfacing means 9 can consult the targets themselves. The downstream interfacing means 9 then successively transmit the message to each of the targets selected, inform the user and announce that a response will be sent to him a few hours later, that is to say when all the targets consulted will have analyzed the message and transmitted a commercial proposal.
  • the response time can be long and the user must log in the first time to express his needs and a second time to obtain the answers.
  • platform 1 In order for platform 1 to be able to quickly deliver one or more responses to the user, certain platforms operate in real time, that is to say ! that they are capable of providing a result R 'only a few seconds after the user has validated said form. These platforms include downstream interfacing means 9 which successively interrogate each of the targets in real time, awaiting the response of one target before interrogating the next.
  • the object of the invention is to provide a method for implementing a digital transaction platform which makes it possible to interrogate selected targets and to transmit a reliable result to the user terminal 3 in real time.
  • This goal is achieved by means of a digital transaction process in real time between a user terminal and at least two targets, comprising the following successive steps: a) reception of a message sent by said user terminal, b) dialogue with said targets comprising a transmission of said message to said targets and a reception of responses transmitted by said targets, c) transmission of at least one of said responses to said user terminal.
  • said dialogue comprises the execution in parallel of at least two elementary tasks assigned respectively to the dialogue with each of said targets.
  • the elementary tasks are executed independently of one another, the failure of one of them, in particular following a failure of the associated target, does not block the execution of the other elementary tasks. Despite this failure, the latter can therefore transmit a response to the upstream interfacing means 6.
  • the method according to the invention, implemented by the platform 1, thus makes it possible to deliver to the user terminal 3 a reliable result and in real time.
  • At least one of said elementary tasks comprises a selection of means for formatting said message and / or of a response from said target associated with it, and the execution of said formatting;
  • At least one of said elementary tasks includes a selection of a connector adapted to the protocol for transmitting and or receiving said target which is associated with it, and the implementation of said connector;
  • said format is an XML type format
  • said XML type format is an INSpML® format
  • an elementary task is interrupted after a determined duration of operation or after receipt of a response by said associated target; - Said elementary task is put back on hold as soon as said interruption.
  • the present invention also relates to a digital transaction platform in real time, between a user terminal and at least two targets, for the implementation of a method according to the invention, comprising
  • upstream interfacing means with said user terminal capable of producing a message expressing a request from a user and of transmitting to said user terminal at least one response from said targets to said message,
  • downstream interfacing means capable of transmitting said message to said targets, of receiving responses from said targets to said message, and of retransmitting at least one of said responses to said upstream interfacing means, and - means of supervision.
  • the digital transaction platform according to the invention is remarkable in that said downstream interfacing means comprise a plurality of transmission units able to operate independently of each other, each of said transmission units being respectively in dialogue relationship with one of said targets.
  • the platform includes means for coordinating said transmission units, so as to activate said transmission units substantially simultaneously;
  • the platform includes a timer capable of informing said coordination means of the completion of a predetermined time since said activation of said transmission units;
  • the platform includes means for grouping said responses from said targets;
  • At least one of said transmission units comprises means for formatting said message and / or a response from a target assigned to said transmission unit;
  • the platform includes means for selecting said formatting means;
  • - at least one of said transmission units includes a connector adapted to the transmission and / or reception protocol with a target assigned to said transmission unit;
  • the platform includes means for selecting said connector
  • the platform comprises routing means able to select said targets and to produce a request containing at least said message and information on the communication protocols used by said targets;
  • the platform includes means for processing the responses of said targets;
  • said format is an XML type format
  • said format is an INSpML® format
  • FIG. 1 schematically shows the general functional architecture of a digital transaction platform
  • FIG. 2 schematically shows the functional architecture of the downstream interfacing means of a digital transaction platform according to the invention, i in the preferred embodiment of the invention
  • FIG. 3 shows schematically the functional architecture of a transmission unit of a digital transaction platform according to the invention, in the preferred embodiment of the invention. Identical references are used in Figures 1, 2 and 3 to designate identical blocks.
  • the platform according to the invention comprises a general functional architecture of the type of that shown in FIG. 1, described in the preamble.
  • the upstream interfacing means 6 send to the routing means 7 and receive means for processing the responses 11 of the messages formatted in a self-describing format, that is to say comprising the means of identify the nature of the information it contains.
  • this format is an XML type format.
  • tags are understandable by the user, which facilitates the interpretation of the message.
  • the format is an INSpML® format.
  • the INSpML® format is a derivative of the XML format whose tags are adapted to the data used in the insurance field.
  • the downstream interfacing means 9, represented in FIG. 2 comprise three transmission units, 15a, 15b and 15c, in dialogue relation with the targets 5a, 5b and 5c, respectively, and in communication with distribution means 1 7 and grouping means 19.
  • the downstream interfacing means 9 also include a timer 21, or
  • the platform 1 according to the invention further comprises a reserve, not shown, also called “pool”, of elementary tasks previously configured.
  • a task is said to be configured when it has been prepared so that it can be executed quickly by a transmission unit.
  • the supervision means 13 extract the configured elementary tasks from the reserve and assign them to the “associated” or “assigned” transmission units to these targets.
  • An elementary task assigned to a transmission unit is intended to allow this transmission unit to dialogue with the target associated with it.
  • the activation of a configured elementary task can advantageously very quickly follow its assignment to a target.
  • a request Q coming from the routing means 7 reaches the distribution means 1 7. It includes the message M containing the information provided by the user when he has completed the form, as well as protocol information relating to the selected targets. by the routing means 7.
  • This protocol information is in particular, for each target selected, the "protocol type" to be used to connect to this target, for example JMS, HTTP, HTTPS, and the own “protocol data" to the target and necessary to configure this type of protocol, for example its IP address, the port of the HTTP service to contact, the name of the HTTP variables for passing parameters, the version of the HTTP protocol used, the name of the queue JMS wait, etc.
  • the protocol information can be stored in a “targets-protocols” table, not shown, providing, for each target, the corresponding protocol information.
  • the distribution means 17 transform the request Q into three elementary requests Qa, Qb and Qc, intended for the three targets 5a, 5b and 5c, respectively.
  • the elementary request for a target contains a copy of the message M and the protocol information relating to this target.
  • the distribution means 1 7 send the elementary requests Qa, Qb and Qc to the three transmission units 15a, 15b and 15c respectively, assigned to the three selected targets 5a, 5b and 5c respectively.
  • the coordination means 23 then start the timer 21 and simultaneously "activate" the transmission units 15a, 15b and 15c, that is to say begin the execution of their respective elementary tasks.
  • the transmission units 15a, 15b and 15c interact with their respective targets 5a, 5b and
  • a transmission unit Upon receipt of a response from a target, a transmission unit transmits it, after a possible transformation, as will be described in more detail in the following description, to the grouping means 19.
  • the responses transmitted by the transmission units 15a, 15b and 15c, respectively, to the grouping means 19 denote by Ra *, Rb * and Rc *.
  • the coordination means 23 ensure that all of the responses from the targets 5a, 5b and 5c have reached the regrouping means 19 before the complete expiration of a predetermined period, counted by the timer 21 from activation of the transmission units 15a, 15b and 15c. If the “time out” event, marking the end of this period, occurs before all the transmission units 15a, 15b and 15c have transmitted a response, the coordination means 23 order the regrouping means 19 to operate with the responses available to it, and therefore to send responses 1 1 only to these responses.
  • a transmission unit is deactivated, that is to say that its elementary task is interrupted, immediately after having sent a response to the means of grouping 19 or, if it did not do so before the time out event, immediately after this event. The elementary task is immediately returned to the reserve so as to be available to respond to a new request. The number of elementary tasks to configure and maintain in the reserve is thus limited. We therefore save resources.
  • a transmission unit according to the invention for example the transmission unit 15a shown in FIG. 3, comprises upstream and downstream formatting means, 30 and 32 respectively, upstream and downstream connectors, 34 and 36 respectively, as well as selection means 38 formatting means 30 and 32 and connectors 34 and 36.
  • the transmission unit 15a is brought to seek information from an information base 40.
  • the transmission unit 15a After having been assigned to the dialogue with the target 5a, the transmission unit 15a receives a copy of the message M and the protocol information relating to this target 5a.
  • the format of the message M that is to say the way in which the information coming from the form is coded, can then be compatible with the format expected by the target 5a. Otherwise, this format must be changed.
  • the selection means 38 of the transmission unit 15a search in the information base 40 if formatting means, also called means of transformation, were planned for the messages intended for the target 5a.
  • An XSL type file containing the information necessary to transform the message M may for example have been provided.
  • the transmission unit 15a transmits to a “transformer”, not shown, at least this XSL file and the message M.
  • the transformer After transforming the message M by means of the XSL file, the transformer returns a message Ma *, formatted to be understandable by target 5a.
  • the XSL file and the transformer constitute said upstream formatting means 30.
  • the selection means 38 of the transmission unit 15a according to the invention also search in the information base 40 for an upstream connector 34 for the type of protocol used by target 5a. They configure the upstream connector 34 using the protocol data specific to the target 5a.
  • the message M can therefore be transferred in a format and according to a protocol understandable by the target 5a.
  • the selection means 38 select and configure the downstream connector 36 and the downstream formatting means 32 so as to be able to receive the response Ra from the target 5a, and return a transformed response Ra * in a format understandable by the means of grouping 19.
  • the platform 1 according to the invention can very easily adapt to new communication protocols or to new formats used by the targets.
  • the platform 1 according to the invention therefore adapts particularly easily to the addition of new potential targets.
  • One of the objectives of platform 1 is to allow consultation of a large number of targets.
  • the number of targets connected to platform 1 is therefore likely to change.
  • the possibility of adding additional targets without new programming of the downstream interfacing means 9 therefore makes it possible to limit the costs associated with these additions.
  • the number of transmission units is not limited to three.
  • the part of the response R * sent to the user terminal 3 and corresponding to a response, for example Ra, from a target may differ significantly from this response Ra, not only by its format but also by its content.
  • the transformations carried out on the response Ra before it reaches the user terminal 3 may include a modification of the very content of this response Ra, for example following a filtering of some of its elements. It is considered that the result of these transformations always constitutes a "response" from the target, even if this response is only a part or a transformation of the response actually emitted by the target.
  • the invention is not limited to the described operation. For example, information other than that described may flow through platform 1.

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Abstract

The invention concerns a method for real time digital transaction between a user terminal (3) and at least two targets (5a, 5b, 5c), comprising the following successive steps: a) receiving a message (M) emitted by the user terminal (3), b) carrying out a dialogue with the targets (5a, 5b, 5c) comprising a transmission of the message (M) to the targets (5a, 5b, 5c) and receiving replies (Ra, Rb, Rc) emitted by the targets (5a, 5b, 5c), c) transmitting at least one of the replies (Ra, Rb, Rc) to the user terminal (3). Said method is characterized in that the dialogue, during step b), comprises parallel execution of at least two elementary tasks assigned respectively to the dialogue with each of the targets.

Description

Procédé et plate-forme de transaction numérique en temps réel. Real-time digital transaction method and platform.
La présente invention est relative à un procédé de transaction numérique en temps réel entre un terminal utilisateur et au moins deux cibles, comportant les étapes successives suivantes : a) réception d'un message émis par ledit terminal utilisateur, b) dialogue avec lesdites cibles comportant une émission dudit message vers lesdites cibles et une réception de réponses émises par lesdites cibles, c) transmission d'au moins une desdites réponses audit terminal utilisateur.The present invention relates to a digital transaction process in real time between a user terminal and at least two targets, comprising the following successive steps: a) reception of a message sent by said user terminal, b) dialogue with said targets comprising transmission of said message to said targets and reception of responses from said targets, c) transmission of at least one of said responses to said user terminal.
L'invention concerne également une plate-forme de transaction numérique entre un terminal utilisateur et une pluralité de cibles. Une plate-forme de transaction numérique, c'est-à-dire destinée à l'établissement d'une transaction entre un terminal et une ou plusieurs cibles, est utile pour l'utilisateur de ce terminal qui peut, par son intermédiaire, consulter, en une seule opération, un grand nombre de cibles, c'est-à-dire par exemple des bases de données de sociétés commercialisant un produit qu'il recherche. Une plate-forme de transaction numérique est également utile pour ces sociétés qui, par son intermédiaire, sont consultées par des utilisateurs qui ne les auraient peut-être pas contactées autrement.The invention also relates to a digital transaction platform between a user terminal and a plurality of targets. A digital transaction platform, that is to say intended for establishing a transaction between a terminal and one or more targets, is useful for the user of this terminal who can, through him, consult , in a single operation, a large number of targets, that is to say for example databases of companies marketing a product he is looking for. A digital transaction platform is also useful for these companies which, through it, are consulted by users who might not otherwise have contacted them.
Un exemple connu, non limitatif, concerne le marché des assurances.A known, non-limiting example concerns the insurance market.
Un utilisateur qui souhaite assurer une voiture, par exemple, fournit à une plate-forme des renseignements permettant à celle-ci de consulter plusieurs assureurs.A user who wishes to insure a car, for example, provides information to a platform allowing it to consult several insurers.
L'utilisateur peut être par exemple un particulier, une agence d'assurance, ou un distributeur de voitures. Il peut envoyer sa demande à la plate-forme par exemple par l'intermédiaire de sites Internet, Extranet ou d'interfaces XML publiques.The user can be for example an individual, an insurance agency, or a car distributor. He can send his request to the platform for example via Internet sites, Extranet or public XML interfaces.
Les assureurs consultés renvoient des propositions commerciales à la plate- forme. Cette dernière peut les sélectionner, puis les retransmet au terminal de l'utilisateur. Toute plate-forme de transaction numérique comporte du matériel informatique, encore appelé « hardware », et un ou plusieurs logiciels, encore appelés « software ».The insurers consulted refer commercial proposals to the platform. The latter can select them, then retransmits them to the user's terminal. Any digital transaction platform includes computer hardware, also called "hardware", and one or more software, also called "software".
Le matériel informatique comprend au moins un ordinateur, équipé notamment d'une alimentation électrique, de cartes électroniques (cartes « mémoire », cartes « graphique » ou « son », CPU, etc.) et de bus de communication.The computer hardware includes at least one computer, notably equipped with an electrical supply, electronic cards ("memory" cards, "graphics" or "sound" cards, CPU, etc.) and communication buses.
Classiquement, le matériel informatique comprend également des périphériques, comme des moyens d'archivage ou de stockage (lecteurs de bandes magnétiques, de CDROM, de disquettes, etc.), des imprimantes et des moyens d'interfaçage avec les utilisateurs (écrans, claviers, souris, etc.). ιConventionally, computer hardware also includes peripherals, such as archiving or storage means (magnetic tape, CDROM, floppy disk drives, etc.), printers and means of interfacing with users (screens, keyboards , mouse, etc.). ι
Les logiciels fournissent les programmes contenant des instructions pour la mise en œuvre du matériel informatique. Le matériel informatique programmé peut ainsi fournir des moyens de calculs, de communication, de mémorisation de données, de gestion de périphériques, etc. Une plate-forme de transaction numérique comporte en particulier un ou plusieurs programmes adaptés pour mettre en œuvre le matériel informatique de manière à rendre possible une transaction numérique entre un terminal utilisateur et des cibles.The software provides the programs containing instructions for the implementation of the computer hardware. The programmed computer hardware can thus provide means of calculation, communication, data storage, device management, etc. A digital transaction platform in particular comprises one or more programs adapted to implement the computer hardware so as to make possible a digital transaction between a user terminal and targets.
La figure 1 représente schématiquement l'architecture fonctionnelle d'une plate-forme de transaction numérique 1 ou « plate-forme transactionnelle ».FIG. 1 schematically represents the functional architecture of a digital transaction platform 1 or “transaction platform”.
Cette architecture fonctionnelle, comme dans celles des figures 2 et 3 qui seront décrites dans la suite de la description, comporte des blocs fonctionnels i symbolisant chacun une « unité fonctionnelle ».This functional architecture, as in those of FIGS. 2 and 3 which will be described in the following description, comprises functional blocks i each symbolizing a "functional unit".
Une unité fonctionnelle comprend du matériel informatique et du logiciel pour sa mise en oeuvre, mais ne se confond pas nécessairement avec un élément du matériel informatique et un programme ou une partie d'un programme. Ainsi par exemple, un même élément du matériel informatique ou un même programme peuvent être mis en œuvre pour l'exécution des fonctions de différentes unités fonctionnelles.A functional unit includes computer hardware and software for its implementation, but is not necessarily confused with a piece of computer hardware and a program or part of a program. Thus for example, the same element of computer hardware or the same program can be implemented for the execution of the functions of different functional units.
La plate-forme de transaction numérique 1 est destinée à l'échange d'informations numériques entre un terminal utilisateur 3 et trois cibles 5a, 5b et 5c. Elle comprend des moyens d'interfaçage amont 6, des moyens de routage 7, des moyens d'interfaçage aval 9, des moyens de traitement des réponses 1 1 , et des moyens de supervision 13.The digital transaction platform 1 is intended for the exchange of digital information between a user terminal 3 and three targets 5a, 5b and 5c. It comprises upstream interfacing means 6, routing means 7, downstream interfacing means 9, means for processing responses 11, and supervision means 13.
Généralement, l'utilisateur du terminal 3 dialogue avec la plate-forme 1 en remplissant un formulaire que lui présente le terminal 3 et qui lui permet d'exprimer ses besoins.Generally, the user of terminal 3 dialogues with platform 1 by filling out a form presented to him by terminal 3 and which allows him to express his needs.
Les moyens d'interfaçage amont 6 sont programmés de manière à configurer en temps réel la page d'écran lue par l'utilisateur.The upstream interfacing means 6 are programmed so as to configure the screen page read by the user in real time.
Par exemple, ils peuvent adapter cet écran en fonction de l'identité de l'utilisateur, en utilisant sa charte graphique ou en insérant son logo. De même, si l'utilisateur est un distributeur exclusif d'une marque de véhicules, l'écran ne propose-t- il, au moment de la saisie du type de véhicule à assurer, qu'un choix parmi les types de véhicules de cette marque.For example, they can adapt this screen according to the identity of the user, by using their graphic charter or by inserting their logo. Likewise, if the user is an exclusive distributor of a brand of vehicles, does the screen offer, when entering the type of vehicle to be insured, only a choice from among the types of vehicles of this brand.
Les moyens d'interfaçage amont 6 adaptent également l'écran du terminal utilisateur 3 en fonction du déroulement du dialogue. Par exemple, ils peuvent préremplir certaines rubriques, adapter les pages aux réponses précédemment données par l'utilisateur, en modifier le nombre, etc.The upstream interfacing means 6 also adapt the screen of the user terminal 3 according to the progress of the dialogue. For example, they can pre-fill certain sections, adapt the pages to the answers previously given by the user, modify the number, etc.
Quand l'utilisateur a fini de remplir le formulaire que lui ont présenté les moyens d'interfaçage amont 6, il le valide. Les moyens d'interfaçage amont 6 préparent alors un message M contenant au moins les réponses de l'utilisateur aux rubriques du formulaire, et transmettent le message M, avec par exemple un identifiant de l'utilisateur Id, aux moyens de routage 7.When the user has finished filling out the form presented to him by the upstream interfacing means 6, he validates it. The upstream interfacing means 6 then prepare a message M containing at least the user's responses to the headings of the form, and transmit the message M, with for example an identifier of the user Id, to the routing means 7.
Les moyens de routage 7 sélectionnent parmi toutes les cibles potentielles les cibles à qui le message M doit être envoyé. Des accords commerciaux passés entre un assureur et un distributeur de véhicules peuvent par exemple conditionner cette sélection.The routing means 7 select from all the potential targets the targets to which the message M must be sent. Commercial agreements between an insurer and a vehicle distributor can, for example, condition this selection.
Le choix des cibles potentielles est effectué par les moyens de routage 7 indépendamment de la volonté de l'utilisateur, par exemple en fonction des réponses de l'utilisateur contenues dans le message M et ou de son identifiant Id. Les moyens de routage 7 génèrent alors une requête Q contenant au moins le message M et des moyens d'identifier des cibles 5a, 5b et 5c qu'ils ont sélectionnées. Puis ils envoient la requête Q aux moyens d'interfaçage aval 9.The choice of potential targets is made by the routing means 7 independently of the user's will, for example as a function of the user's responses contained in the message M and or of their identifier Id. The routing means 7 then generate a request Q containing at least the message M and means of identifying targets 5a, 5b and 5c that they have selected. Then they send the request Q to the downstream interfacing means 9.
La fonction des moyens d'interfaçage aval 9 est d'organiser le dialogue avec les cibles 5a, 5b et 5c sélectionnées et de délivrer aux moyens de traitement des réponses 1 1 une synthèse R des réponses Ra, Rb et Rc, respectivement, émises par les cibles 5a, 5b et 5c.The function of the downstream interfacing means 9 is to organize the dialogue with the selected targets 5a, 5b and 5c and to deliver to the response processing means 1 1 a synthesis R of the responses Ra, Rb and Rc, respectively, emitted by targets 5a, 5b and 5c.
Les moyens de traitement des réponses 1 1 sont chargés d'analyser les réponses fournies et de les traiter, par exemple en les filtrant ou en les hiérarchisant en fonction du montant des devis proposés par les cibles 5a, 5b et 5c, et/ou en fonction de l'utilisateur.The response processing means 1 1 are responsible for analyzing the responses provided and for processing them, for example by filtering them or by ranking them according to the amount of the quotes proposed by the targets 5a, 5b and 5c, and / or by user function.
Les moyens de traitement des réponses 1 1 génèrent un résultat R' qu'ils transmettent aux moyens d'interfaçage amont 6.The response processing means 1 1 generate a result R 'which they transmit to the upstream interfacing means 6.
Les moyens d'interfaçage amont 6 transforment le résultat R' en R* de manière à le rendre présentable à l'utilisateur, puis envoient R* au terminal utilisateur 3. Les moyens de supervision 13, informés en permanence de tous les événements survenant sur la plate-forme 1 , surveillent et organisent le fonctionnement des autres moyens décrits ci-dessus.The upstream interfacing means 6 transform the result R 'into R * so as to make it presentable to the user, then send R * to the user terminal 3. The supervision means 13, permanently informed of all the events occurring on platform 1, monitor and organize the operation of the other means described above.
Pour interroger les cibles 5a, 5b, 5c sélectionnées, les moyens d'interfaçage aval 9 peuvent, selon une première configuration, consulter des données stockées dans une base de données commune à tous les assureurs et régulièrement mise à jour par ces derniers.To interrogate the selected targets 5a, 5b, 5c, the downstream interfacing means 9 can, according to a first configuration, consult data stored in a database common to all the insurers and regularly updated by the latter.
Mais il n'est jamais certain, sauf immédiatement après la mise à jour de la base de données, que les données consultées sont à jour, et donc que la réponse destinée à l'utilisateur est valable.However, it is never certain, except immediately after updating the database, that the data consulted are up to date, and therefore that the response intended for the user is valid.
De plus, il est nécessaire de connaître toutes les règles utilisées par les assureurs pour proposer un devis. Ces règles peuvent être complexes et être amenées à évoluer. Leur mise à jour est coûteuse.In addition, it is necessary to know all the rules used by insurers to offer a quote. These rules can be complex and have to evolve. Updating them is expensive.
Selon une deuxième configuration, pour interroger les cibles sélectionnées, les moyens d'interfaçage aval 9 peuvent consulter les cibles elles-mêmes. Les moyens d'interfaçage aval 9 transmettent alors successivement le message à chacune des cibles sélectionnées, en informent l'utilisateur et lui annoncent qu'une réponse lui sera adressée quelques heures plus tard, c'est-à-dire quand toutes les cibles consultées auront analysé le message et transmis une proposition commerciale.According to a second configuration, to interrogate the selected targets, the downstream interfacing means 9 can consult the targets themselves. The downstream interfacing means 9 then successively transmit the message to each of the targets selected, inform the user and announce that a response will be sent to him a few hours later, that is to say when all the targets consulted will have analyzed the message and transmitted a commercial proposal.
Le délai de réponse peut être long et l'utilisateur doit se connecter une première fois pour exprimer ses besoins et une seconde fois pour obtenir les réponses.The response time can be long and the user must log in the first time to express his needs and a second time to obtain the answers.
Pour que la plate-forme 1 puisse délivrer rapidement une ou plusieurs réponses à l'utilisateur, certaines plates-formes fonctionnent en temps réel, c'est-à-dire ! qu'elles sont capables de fournir un résultat R' quelques secondes seulement après que l'utilisateur a validé ledit formulaire. Ces plates-formes comportent des moyens d'interfaçage aval 9 qui interrogent successivement, en temps réel, chacune des cibles, attendant la réponse d'une cible avant d'interroger la suivante.In order for platform 1 to be able to quickly deliver one or more responses to the user, certain platforms operate in real time, that is to say ! that they are capable of providing a result R 'only a few seconds after the user has validated said form. These platforms include downstream interfacing means 9 which successively interrogate each of the targets in real time, awaiting the response of one target before interrogating the next.
Mais si une cible ne répond pas, par exemple parce qu'elle est défaillante, le terminal utilisateur 3 ne reçoit aucune réponse. Ces plates-formes fonctionnant en temps réel ne sont donc pas fiables.But if a target does not respond, for example because it has failed, the user terminal 3 receives no response. These platforms operating in real time are therefore not reliable.
Le but de l'invention est de fournir un procédé pour la mise en œuvre d'une plate-forme de transaction numérique qui permette d'interroger des cibles sélectionnées et de transmettre en temps réel au terminal utilisateur 3 un résultat fiable.The object of the invention is to provide a method for implementing a digital transaction platform which makes it possible to interrogate selected targets and to transmit a reliable result to the user terminal 3 in real time.
On atteint ce but au moyen d'un procédé de transaction numérique en temps réel entre un terminal utilisateur et au moins deux cibles, comportant les étapes ι successives suivantes : a) réception d'un message émis par ledit terminal utilisateur, b) dialogue avec lesdites cibles comportant une émission dudit message vers lesdites cibles et une réception de réponses émises par lesdites cibles, c) transmission d'au moins une desdites réponses audit terminal utilisateur.This goal is achieved by means of a digital transaction process in real time between a user terminal and at least two targets, comprising the following successive steps: a) reception of a message sent by said user terminal, b) dialogue with said targets comprising a transmission of said message to said targets and a reception of responses transmitted by said targets, c) transmission of at least one of said responses to said user terminal.
Ce procédé est remarquable en ce que ledit dialogue comporte l'exécution en parallèle d'au moins deux tâches élémentaires affectées respectivement au dialogue avec chacune desdites cibles.This method is remarkable in that said dialogue comprises the execution in parallel of at least two elementary tasks assigned respectively to the dialogue with each of said targets.
Les tâches élémentaires étant exécutées indépendamment les unes des autres, la défaillance de l'une d'elles, notamment suite à une défaillance de la cible associée, ne bloque pas l'exécution des autres tâches élémentaires. En dépit de cette défaillance, ces dernières peuvent donc transmettre une réponse aux moyens d'interfaçage amont 6. Le procédé selon l'invention, mis en œuvre par la plate-forme 1, permet ainsi de délivrer au terminal utilisateur 3 un résultat fiable et en temps réel.Since the elementary tasks are executed independently of one another, the failure of one of them, in particular following a failure of the associated target, does not block the execution of the other elementary tasks. Despite this failure, the latter can therefore transmit a response to the upstream interfacing means 6. The method according to the invention, implemented by the platform 1, thus makes it possible to deliver to the user terminal 3 a reliable result and in real time.
Selon d'autres caractéristiques de l'invention, - on place des tâches élémentaires préalablement configurées en attente jusqu'à leur affectation, en temps réel, au dialogue avec lesdites cibles ;According to other characteristics of the invention, - elementary tasks previously configured are placed on hold until they are assigned, in real time, to dialogue with said targets;
- on active sensiblement simultanément lesdites tâches élémentaires ;- said elementary tasks are activated substantially simultaneously;
- au moins une desdites tâches élémentaires comporte une sélection de moyens de formatage dudit message et/ou d'une réponse de ladite cible qui lui est associée, et l'exécution dudit formatage ;at least one of said elementary tasks comprises a selection of means for formatting said message and / or of a response from said target associated with it, and the execution of said formatting;
- au moins une desdites tâches élémentaires comporte une sélection d'un connecteur adapté au protocole d'émission et ou de réception de ladite cible qui lui est associée, et la mise en œuvre dudit connecteur ;- At least one of said elementary tasks includes a selection of a connector adapted to the protocol for transmitting and or receiving said target which is associated with it, and the implementation of said connector;
- ledit message el/ou des informations transitant depuis ou à destination dudit terminal utilisateur sont formatés selon un format autodescriptif ;- Said message el / or information passing from or to said user terminal is formatted in a self-describing format;
- ledit format est un format du type XML ;- said format is an XML type format;
- ledit format du type XML est un format INSpML® ;- said XML type format is an INSpML® format;
- on interrompt une tâche élémentaire après une durée déterminée d'opération ou après réception d'une réponse par ladite cible associée ; - on replace en attente ladite tâche élémentaire sitôt ladite interruption.- an elementary task is interrupted after a determined duration of operation or after receipt of a response by said associated target; - Said elementary task is put back on hold as soon as said interruption.
La présente invention concerne également une plate-forme de transaction numérique en temps réel, entre un terminal utilisateur et au moins deux cibles, pour la mise en œuvre d'un procédé conforme à l'invention, comportantThe present invention also relates to a digital transaction platform in real time, between a user terminal and at least two targets, for the implementation of a method according to the invention, comprising
- des moyens d'interfaçage amont avec ledit terminal utilisateur aptes à produire un message exprimant une demande d'un utilisateur et à transmettre audit terminal utilisateur au moins une réponse desdites cibles audit message,upstream interfacing means with said user terminal capable of producing a message expressing a request from a user and of transmitting to said user terminal at least one response from said targets to said message,
- des moyens d'interfaçage aval aptes à transmettre ledit message aux dites cibles, à recevoir des réponses desdites cibles audit message, et à retransmettre au moins une desdites réponses vers lesdits moyens d'interfaçage amont, et - des moyens de supervision.downstream interfacing means capable of transmitting said message to said targets, of receiving responses from said targets to said message, and of retransmitting at least one of said responses to said upstream interfacing means, and - means of supervision.
La plate-forme de transaction numérique selon l'invention est remarquable en ce que lesdits moyens d'interfaçage aval comportent une pluralité d'unités de transmission aptes à opérer indépendamment les unes des autres, chacune desdites unités de transmission étant respectivement en relation de dialogue avec une desdites cibles.The digital transaction platform according to the invention is remarkable in that said downstream interfacing means comprise a plurality of transmission units able to operate independently of each other, each of said transmission units being respectively in dialogue relationship with one of said targets.
Selon d'autres caractéristiques de la plate-forme selon l'invention,According to other characteristics of the platform according to the invention,
- la plate-forme comporte des moyens de coordination desdites unités de transmission, de manière à activer sensiblement simultanément lesdites unités de transmission ;- The platform includes means for coordinating said transmission units, so as to activate said transmission units substantially simultaneously;
- la plate-forme comporte un minuteur apte à informer lesdits moyens de coordination de l'achèvement d'un délai prédéterminé depuis ladite activation desdites unités de transmission ;- The platform includes a timer capable of informing said coordination means of the completion of a predetermined time since said activation of said transmission units;
- la plate-forme comporte des moyens de regroupement desdites réponses desdites cibles ;- The platform includes means for grouping said responses from said targets;
- au moins une desdites unités de transmission comporte des moyens de formatage dudit message et/ou d'une réponse d'une cible affectée à ladite unité de transmission ;- at least one of said transmission units comprises means for formatting said message and / or a response from a target assigned to said transmission unit;
- la plate-forme comporte des moyens de sélection desdits moyens de formatage ; - au moins une desdites unités de transmission comporte un connecteur adapté au protocole d'émission et/ou de réception avec une cible affectée à ladite unité de transmission ;- The platform includes means for selecting said formatting means; - at least one of said transmission units includes a connector adapted to the transmission and / or reception protocol with a target assigned to said transmission unit;
- la plate-forme comporte des moyens de sélection dudit connecteur ;- The platform includes means for selecting said connector;
- la plate-forme comporte des moyens de routage aptes à sélectionner lesdites cibles et à produire une requête contenant au moins ledit message et des informations sur les protocoles de communication utilisés par lesdites cibles ;the platform comprises routing means able to select said targets and to produce a request containing at least said message and information on the communication protocols used by said targets;
- la plate-forme comporte des moyens de traitement des réponses desdites cibles ;- The platform includes means for processing the responses of said targets;
- ledit message et/ou des informations transitant entre lesdits moyens d'interfaçage amont et ledit terminal utilisateur sont formatés selon un format autodescriptif ; i- Said message and / or information passing between said upstream interfacing means and said user terminal are formatted according to a self-describing format; i
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- ledit format est un format du type XML ;- said format is an XML type format;
- ledit format est un format INSpML® ;- said format is an INSpML® format;
- lesdits moyens de supervision sont aptes à affecter des tâches de dialogue préalablement configurées à au moins une desdites unités de transmission. D'autres caractéristiques et avantages de la présente invention apparaîtront à la lecture de la description qui va suivre et à travers du dessin annexé dans lequel- Said supervision means are able to assign dialogue tasks previously configured to at least one of said transmission units. Other characteristics and advantages of the present invention will appear on reading the description which follows and through the appended drawing in which
- la figure 1 représente schématiquement l'architecture fonctionnelle générale d'une plate-forme de transaction numérique ;- Figure 1 schematically shows the general functional architecture of a digital transaction platform;
- la figure 2 représente schématiquement l'architecture fonctionnelle des moyens d'interfaçage aval d'une plate-forme de transaction numérique selon l'invention, i dans le mode de réalisation préféré de l'invention ;- Figure 2 schematically shows the functional architecture of the downstream interfacing means of a digital transaction platform according to the invention, i in the preferred embodiment of the invention;
- la figure 3 représente schématiquement l'architecture fonctionnelle d'une unité de transmission d'une plate-forme de transaction numérique selon l'invention, dans le mode de réalisation préféré de l'invention. Des références identiques sont utilisées dans les figures 1, 2 et 3 pour désigner des blocs identiques.- Figure 3 shows schematically the functional architecture of a transmission unit of a digital transaction platform according to the invention, in the preferred embodiment of the invention. Identical references are used in Figures 1, 2 and 3 to designate identical blocks.
La plate-forme selon l'invention comporte une architecture fonctionnelle générale du type de celle représentée sur la figure 1, décrite en préambule.The platform according to the invention comprises a general functional architecture of the type of that shown in FIG. 1, described in the preamble.
Avantageusement, selon l'invention, les moyens d'interfaçage amont 6 envoient aux moyens de routage 7 et reçoivent des moyens de traitement des réponses 1 1 des messages formatés selon un format autodescriptif, c'est-à-dire comportant les moyens d'identifier la nature des informations qu'il contient.Advantageously, according to the invention, the upstream interfacing means 6 send to the routing means 7 and receive means for processing the responses 11 of the messages formatted in a self-describing format, that is to say comprising the means of identify the nature of the information it contains.
De préférence, ce format est un format du type XML. Avec ce format, chaque information est insérée entre des balises ou « tags » qui en précisent la nature. Avantageusement, les balises sont compréhensibles par l'utilisateur, ce qui facilite l'interprétation du message.Preferably, this format is an XML type format. With this format, each piece of information is inserted between tags or "tags" which specify its nature. Advantageously, the tags are understandable by the user, which facilitates the interpretation of the message.
De préférence encore, dans le domaine de l'assurance, le format est un format INSpML®. Le format INSpML® est un dérivé du format XML dont les balises sont adaptées aux données utilisées dans le domaine de l'assurance. Selon l'invention, les moyens d'interfaçage aval 9, représentés sur la figure 2, comportent trois unités de transmission, 15a, 15b et 15c, en relation de dialogue avec les cibles 5a, 5b et 5c, respectivement, et en communication avec des moyens de distribution 1 7 et des moyens de regroupement 19. Les moyens d'interfaçage aval 9 comportent encore un minuteur 21 , ouMore preferably still, in the insurance field, the format is an INSpML® format. The INSpML® format is a derivative of the XML format whose tags are adapted to the data used in the insurance field. According to the invention, the downstream interfacing means 9, represented in FIG. 2, comprise three transmission units, 15a, 15b and 15c, in dialogue relation with the targets 5a, 5b and 5c, respectively, and in communication with distribution means 1 7 and grouping means 19. The downstream interfacing means 9 also include a timer 21, or
« timer », et des moyens de coordination 23."Timer", and means of coordination 23.
Avantageusement, la plate-forme 1 selon l'invention comporte en outre une réserve, non représentée, encore appelée « pool », de tâches élémentaires préalablement configurées. On dit qu'une tâche est configurée quand elle a été préparée de manière à être exécutable rapidement par une unité de transmission.Advantageously, the platform 1 according to the invention further comprises a reserve, not shown, also called "pool", of elementary tasks previously configured. A task is said to be configured when it has been prepared so that it can be executed quickly by a transmission unit.
Informés par les moyens de routage 7 des cibles sélectionnées, les moyens de supervision 13 extraient de la réserve des tâches élémentaires configurées et les assignent aux unités de transmission « associées », ou « affectées », à ces cibles.Informed by the routing means 7 of the selected targets, the supervision means 13 extract the configured elementary tasks from the reserve and assign them to the “associated” or “assigned” transmission units to these targets.
Une tâche élémentaire assignée à une unité de transmission est destinée à permettre à cette unité de transmission de dialoguer avec la cible qui lui est associée. L'activation d'une tâche élémentaire configurée peut avantageusement suivre très rapidement son affectation à une cible.An elementary task assigned to a transmission unit is intended to allow this transmission unit to dialogue with the target associated with it. The activation of a configured elementary task can advantageously very quickly follow its assignment to a target.
Une requête Q en provenance des moyens de routage 7 parvient aux moyens de distribution 1 7. Elle comporte le message M contenant l'information fournie par l'utilisateur lorsqu'il a rempli le formulaire, ainsi que des informations de protocole relatives aux cibles sélectionnées par les moyens de routage 7. Ces informations de protocole sont notamment, pour chaque cible sélectionnée, le « type de protocole » à utiliser pour se connecter à cette cible, par exemple JMS, HTTP, HTTPS, et les « données de protocole » propres à la cible et nécessaires pour paramétrer ce type de protocole, par exemple son adresse IP, le port du service HTTP à contacter, le nom des variables HTTP pour le passage des paramètres, la version du protocole HTTP utilisée, le nom de la file d'attente JMS, etc.A request Q coming from the routing means 7 reaches the distribution means 1 7. It includes the message M containing the information provided by the user when he has completed the form, as well as protocol information relating to the selected targets. by the routing means 7. This protocol information is in particular, for each target selected, the "protocol type" to be used to connect to this target, for example JMS, HTTP, HTTPS, and the own "protocol data" to the target and necessary to configure this type of protocol, for example its IP address, the port of the HTTP service to contact, the name of the HTTP variables for passing parameters, the version of the HTTP protocol used, the name of the queue JMS wait, etc.
Les informations de protocole peuvent être stockées dans une table « cibles- protocoles », non représentée, fournissant, pour chaque cible, les informations de protocole correspondantes.The protocol information can be stored in a “targets-protocols” table, not shown, providing, for each target, the corresponding protocol information.
Les moyens de distribution 17 transforment la requête Q en trois requêtes élémentaires Qa, Qb et Qc, destinées aux trois cibles 5a, 5b et 5c, respectivement. La requête élémentaire destinée à une cible contient une copie du message M et les informations de protocole relatives à cette cible.The distribution means 17 transform the request Q into three elementary requests Qa, Qb and Qc, intended for the three targets 5a, 5b and 5c, respectively. The elementary request for a target contains a copy of the message M and the protocol information relating to this target.
Les moyens de distribution 1 7 envoient les requêtes élémentaires Qa, Qb et Qc vers les trois unités de transmission 15a, 15b et 15c respectivement, affectées aux trois cibles sélectionnées 5a, 5b et 5c respectivement.The distribution means 1 7 send the elementary requests Qa, Qb and Qc to the three transmission units 15a, 15b and 15c respectively, assigned to the three selected targets 5a, 5b and 5c respectively.
Les moyens de coordination 23 déclenchent alors le minuteur 21 et simultanément « activent » les unités de transmission 15a, 15b et 15c, c'est-à-dire commencent l'exécution de leurs tâches élémentaires respectives.The coordination means 23 then start the timer 21 and simultaneously "activate" the transmission units 15a, 15b and 15c, that is to say begin the execution of their respective elementary tasks.
Comme on le verra plus en détail dans la suite de la description (figure 3), les unités de transmission 15a, 15b et 15c dialoguent avec leurs cibles respectives 5a, 5b etAs will be seen in more detail in the following description (FIG. 3), the transmission units 15a, 15b and 15c interact with their respective targets 5a, 5b and
5c. Dès réception d'une réponse d'une cible, une unité de transmission la transmet, après une éventuelle transformation, comme on le décrira plus en détail dans la suite de la description, vers les moyens de regroupement 19.5c. Upon receipt of a response from a target, a transmission unit transmits it, after a possible transformation, as will be described in more detail in the following description, to the grouping means 19.
On désigne par Ra*, Rb* et Rc* les réponses transmises par les unités de transmission 15a, 15b et 15c, respectivement, aux moyens de regroupement 19.The responses transmitted by the transmission units 15a, 15b and 15c, respectively, to the grouping means 19 denote by Ra *, Rb * and Rc *.
Quand les trois réponses Ra*, Rb* et Rc* sont parvenues aux moyens de regroupement 19, ces derniers les regroupent et les retransmettent aux moyens de traitement des réponses 1 1 sous la forme d'une synthèse R.When the three responses Ra *, Rb * and Rc * have reached the grouping means 19, the latter group them together and retransmit them to the means for processing responses 1 1 in the form of a synthesis R.
La suite chronologique du fonctionnement de la plate-forme 1 est semblable à celle décrite précédemment dans la description de la figure 1 .The chronological sequence of the operation of the platform 1 is similar to that described previously in the description of FIG. 1.
Selon l'invention, les moyens de coordination 23 veillent à ce que toutes les réponses des cibles 5a, 5b et 5c soient parvenues aux moyens de regroupement 19 avant l'écoulement complet d'un délai prédéterminé, compté par le minuteur 21 à partir de l'activation des unités de transmission 15a, 15b et 15c. Si l'événement « time out », marquant l'achèvement de ce délai, survient avant que toutes les unités de transmission 15a, 15b et 15c aient transmis une réponse, les moyens de coordination 23 ordonnent aux moyens de regroupement 19 d'opérer avec les réponses dont il dispose, et donc de n'envoyer aux moyens de traitement des réponses 1 1 que ces réponses. Avantageusement, une unité de transmission est désactivée, c'est-à-dire que sa tâche élémentaire est interrompue, sitôt après avoir envoyé une réponse aux moyens de regroupement 19 ou, si elle ne l'a pas fait avant l'événement « time out », immédiatement après cet événement. La tâche élémentaire est immédiatement replacée dans la réserve de manière à être disponible pour répondre à une nouvelle requête. Le nombre de tâches élémentaires à configurer et à maintenir dans la réserve est ainsi limité. On réalise donc une économie de ressources.According to the invention, the coordination means 23 ensure that all of the responses from the targets 5a, 5b and 5c have reached the regrouping means 19 before the complete expiration of a predetermined period, counted by the timer 21 from activation of the transmission units 15a, 15b and 15c. If the “time out” event, marking the end of this period, occurs before all the transmission units 15a, 15b and 15c have transmitted a response, the coordination means 23 order the regrouping means 19 to operate with the responses available to it, and therefore to send responses 1 1 only to these responses. Advantageously, a transmission unit is deactivated, that is to say that its elementary task is interrupted, immediately after having sent a response to the means of grouping 19 or, if it did not do so before the time out event, immediately after this event. The elementary task is immediately returned to the reserve so as to be available to respond to a new request. The number of elementary tasks to configure and maintain in the reserve is thus limited. We therefore save resources.
Une unité de transmission selon l'invention, par exemple l'unité de transmission 15a représentée sur la figure 3, comporte des moyens de formatage amont et aval, 30 et 32 respectivement, des connecteurs amont et aval, 34 et 36 respectivement, ainsi que des moyens de sélection 38 des moyens de formatage 30 et 32 et des connecteurs 34 et 36.A transmission unit according to the invention, for example the transmission unit 15a shown in FIG. 3, comprises upstream and downstream formatting means, 30 and 32 respectively, upstream and downstream connectors, 34 and 36 respectively, as well as selection means 38 formatting means 30 and 32 and connectors 34 and 36.
Comme on le verra plus en détail ci-dessous, l'unité de transmission 15a est amenée à rechercher des informations dans une base d'informations 40.As will be seen in more detail below, the transmission unit 15a is brought to seek information from an information base 40.
Après avoir été affectée au dialogue avec la cible 5a, l'unité de transmission 15a reçoit une copie du message M et les informations de protocole relatives à cette i cible 5a.After having been assigned to the dialogue with the target 5a, the transmission unit 15a receives a copy of the message M and the protocol information relating to this target 5a.
Le format du message M, c'est-à-dire la manière dont l'information issue du formulaire est codée, peut alors être compatible avec le format attendu par la cible 5a. Sinon, ce format doit être modifié.The format of the message M, that is to say the way in which the information coming from the form is coded, can then be compatible with the format expected by the target 5a. Otherwise, this format must be changed.
A la réception du message M, de préférence en format XML ou INSpML®, les moyens de sélection 38 de l'unité de transmission 15a selon l'invention recherchent dans la base d'informations 40 si des moyens de formatage, encore appelés moyens de transformation, ont été prévus pour les messages destinés à la cible 5a.On receipt of the message M, preferably in XML or INSpML® format, the selection means 38 of the transmission unit 15a according to the invention search in the information base 40 if formatting means, also called means of transformation, were planned for the messages intended for the target 5a.
Un fichier du type XSL contenant l'information nécessaire pour transformer le message M peut par exemple avoir été prévu. Dans ce cas, l'unité de transmission 15a transmet à un « transformateur », non représenté, au moins ce fichier XSL et le message M. Après avoir transformé le message M au moyen du fichier XSL, le transformateur retourne un message Ma*, formaté pour être compréhensible par la cible 5a. Dans cet 1 exemple, le fichier XSL et le transformateur constituent lesdits moyens de formatage amont 30. Les moyens de sélection 38 de l'unité de transmission 15a selon l'invention recherchent également dans la base d'informations 40 un connecteur amont 34 adapté pour le type de protocole utilisé par la cible 5a. Ils paramétrent le connecteur amont 34 au moyen des données de protocole propres à la cible 5a.An XSL type file containing the information necessary to transform the message M may for example have been provided. In this case, the transmission unit 15a transmits to a “transformer”, not shown, at least this XSL file and the message M. After transforming the message M by means of the XSL file, the transformer returns a message Ma *, formatted to be understandable by target 5a. In this 1 example, the XSL file and the transformer constitute said upstream formatting means 30. The selection means 38 of the transmission unit 15a according to the invention also search in the information base 40 for an upstream connector 34 for the type of protocol used by target 5a. They configure the upstream connector 34 using the protocol data specific to the target 5a.
Le message M peut dés lors être transféré sous un format et selon un protocole compréhensibles par la cible 5a. De la même manière, les moyens de sélection 38 sélectionnent et paramétrent le connecteur aval 36 et les moyens de formatage aval 32 de manière à pouvoir recevoir la réponse Ra de la cible 5a, et renvoyer une réponse transformée Ra* dans un format compréhensible par les moyens de regroupement 19.The message M can therefore be transferred in a format and according to a protocol understandable by the target 5a. In the same way, the selection means 38 select and configure the downstream connector 36 and the downstream formatting means 32 so as to be able to receive the response Ra from the target 5a, and return a transformed response Ra * in a format understandable by the means of grouping 19.
Avantageusement, la plate-forme 1 selon l'invention peut s'adapter très facilement à de nouveaux protocoles de communication ou à de nouveaux formats utilisés par les cibles.Advantageously, the platform 1 according to the invention can very easily adapt to new communication protocols or to new formats used by the targets.
Pour s'adapter à un nouveau format utilisé par une cible, il suffit de créer le fichier du type XSL correspondant. En effet, le transformateur est standard et adapte son action en fonction du contenu de ce fichier. Il n'a donc pas besoin d'être reprogrammé. En cas de nouveau protocole à utiliser pour une cible, il suffit d'ajouter leTo adapt to a new format used by a target, simply create the file of the corresponding XSL type. Indeed, the transformer is standard and adapts its action according to the content of this file. It therefore does not need to be reprogrammed. If there is a new protocol to use for a target, simply add the
' nouveau connecteur correspondant dans la base d'information 40, et de mettre à jour la table « cibles-protocoles » contenant les informations sur le protocole utilisé par chaque cible, c'est-à-dire le type de protocole et les données de protocole de cette cible.new corresponding connector in the information base 40, and to update the “targets-protocols” table containing the information on the protocol used by each target, that is to say the type of protocol and the data of protocol of this target.
La plate-forme 1 selon l'invention s'adapte donc particulièrement aisément à l'ajout de nouvelles cibles potentielles.The platform 1 according to the invention therefore adapts particularly easily to the addition of new potential targets.
Un des objectifs de la plate-forme 1 est de permettre une consultation d'un grand nombre de cibles. Le nombre de cibles connectées à la plate-forme 1 est donc susceptible d'évoluer. La possibilité d'ajouter des cibles supplémentaires sans nouvelle programmation des moyens d'interfaçage aval 9 permet donc de limiter les coûts associés à ces ajouts.One of the objectives of platform 1 is to allow consultation of a large number of targets. The number of targets connected to platform 1 is therefore likely to change. The possibility of adding additional targets without new programming of the downstream interfacing means 9 therefore makes it possible to limit the costs associated with these additions.
Bien entendu, la présente invention n'est pas limitée au mode de réalisation décrit et représenté, fourni à titre d'exemple illustratif et non limitatif.Of course, the present invention is not limited to the embodiment described and shown, provided by way of illustrative and nonlimiting example.
En particulier, le nombre d'unités de transmission n'est pas limité à trois.In particular, the number of transmission units is not limited to three.
!!
En outre, la part de la réponse R* envoyée au terminal utilisateur 3 et correspondant à une réponse, par exemple Ra, d'une cible peut différer sensiblement de cette réponse Ra, non seulement de par son format mais aussi de par son contenu. Par exemple, les transformations opérées sur la réponse Ra avant qu'elle ne parvienne au terminal utilisateur 3 peuvent inclure une modification du contenu même de cette réponse Ra, par exemple suite à un filtrage de certains de ses éléments. On considère que le résultat de ces transformations constitue toujours une « réponse » de la cible, même si cette réponse n'est plus qu'une partie ou une transformation de la réponse effectivement émise par la cible.In addition, the part of the response R * sent to the user terminal 3 and corresponding to a response, for example Ra, from a target may differ significantly from this response Ra, not only by its format but also by its content. For example, the transformations carried out on the response Ra before it reaches the user terminal 3 may include a modification of the very content of this response Ra, for example following a filtering of some of its elements. It is considered that the result of these transformations always constitutes a "response" from the target, even if this response is only a part or a transformation of the response actually emitted by the target.
L'invention n'est pas limitée au fonctionnement décrit. Par exemple, d'autres informations que celles décrites peuvent circuler à travers la plate-forme 1. The invention is not limited to the described operation. For example, information other than that described may flow through platform 1.

Claims

REVENDICATIONS
1 . Procédé de transaction numérique en temps réel entre un terminal utilisateur (3) et au moins deux cibles (5a,5b,5c), comportant les étapes successives suivantes : a) réception par une plate-forme (1) d'un message (M) émis par ledit terminal utilisateur (3), b) dialogue de ladite plate-forme (1) avec lesdites cibles (5a,5b,5c) comportant une émission dudit message (M) vers lesdites cibles (5a,5b,5c) et une réception de réponses (Ra,Rb,Rc) émises par lesdites cibles (5a,5b,5c), c) transmission par ladite plate-forme (1 ) d'au moins une desdites réponses1. Method of real-time digital transaction between a user terminal (3) and at least two targets (5a, 5b, 5c), comprising the following successive steps: a) reception by a platform (1) of a message (M ) transmitted by said user terminal (3), b) dialogue of said platform (1) with said targets (5a, 5b, 5c) comprising a transmission of said message (M) to said targets (5a, 5b, 5c) and receiving responses (Ra, Rb, Rc) emitted by said targets (5a, 5b, 5c), c) transmission by said platform (1) of at least one of said responses
(Ra,Rb,Rc) audit terminal utilisateur (3), caractérisé en ce que ledit dialogue comporte l'exécution en parallèle d'au moins deux tâches élémentaires affectées respectivement au dialogue avec chacune desdites cibles (5a,5b,5c).(Ra, Rb, Rc) to said user terminal (3), characterized in that said dialogue comprises the execution in parallel of at least two elementary tasks respectively assigned to the dialogue with each of said targets (5a, 5b, 5c).
2. Procédé selon la revendication 1, caractérisé en ce qu'on place des tâches élémentaires préalablement configurées en attente jusqu'à leur affectation, en temps réel, au dialogue avec lesdites cibles (5a,5b,5c).2. Method according to claim 1, characterized in that the elementary tasks previously configured are placed on hold until their assignment, in real time, to the dialogue with said targets (5a, 5b, 5c).
3. Procédé selon l'une quelconque des revendications 1 et 2, caractérisé en ce qu'on ' active sensiblement simultanément lesdites tâches élémentaires.3. Method according to any one of claims 1 and 2, characterized in that 'substantially simultaneously activates said elementary tasks.
4. Procédé selon l'une quelconque des revendications précédentes, caractérisé en ce qu'au moins une desdites tâches élémentaires comporte une sélection de moyens de formatage (30,32) dudit message (M) et/ou d'une réponse (Ra) de ladite cible qui lui est associée (5a), et l'exécution dudit formatage.4. Method according to any one of the preceding claims, characterized in that at least one of said elementary tasks comprises a selection of formatting means (30,32) of said message (M) and / or of a response (Ra) of said target associated with it (5a), and the execution of said formatting.
5. Procédé selon l'une quelconque des revendications précédentes, caractérisé en ce qu'au moins une desdites tâches élémentaires comporte une sélection d'un connecteur (34,36) adapté au protocole d'émission e1/ou de réception avec ladite cible associée (5a), et la mise en œuvre dudit connecteur (34,36). 5. Method according to any one of the preceding claims, characterized in that at least one of said elementary tasks comprises a selection of a connector (34,36) adapted to the transmission protocol e1 / or of reception with said associated target (5a), and the implementation of said connector (34,36).
6. Procédé selon l'une quelconque des revendications précédentes, caractérisé en ce que ledit message (M) et/ou des informations transitant depuis ou à destination dudit terminal utilisateur (3) sont formatés selon un format autodescriptif.6. Method according to any one of the preceding claims, characterized in that said message (M) and / or information passing from or to said user terminal (3) are formatted in a self-describing format.
7. Procédé selon la revendication 6, caractérisé en ce que ledit format est un format du type XML.7. Method according to claim 6, characterized in that said format is an XML type format.
8. Procédé selon la revendication 7, caractérisée en ce que ledit format du type XML est un format INSpML®.8. Method according to claim 7, characterized in that said format of the XML type is an INSpML® format.
9. Procédé selon l'une quelconque des revendications précédentes, caractérisé en ce qu'on interrompt une tâche élémentaire après une durée déterminée d'opération ou après réception d'une réponse (Ra,Rb,Rc) par ladite cible associée (5a,5b,5c).9. Method according to any one of the preceding claims, characterized in that an elementary task is interrupted after a determined duration of operation or after receipt of a response (Ra, Rb, Rc) by said associated target (5a, 5b, 5c).
10. Procédé selon la revendication 9, caractérisé en ce qu'on replace en attente ladite tâche élémentaire sitôt ladite interruption.10. Method according to claim 9, characterized in that said elementary task is put back on standby as soon as said interruption.
, ,
1 1 . Procédé selon l'une quelconque des revendications précédentes, caractérisé en ce que ladite plate-forme sélectionne lesdites cibles (5a, 5b, 5c) indépendamment de la volonté d'un utilisateur dudit terminal utilisateur (3).1 1. Method according to any one of the preceding claims, characterized in that said platform selects said targets (5a, 5b, 5c) independently of the will of a user of said user terminal (3).
12. Procédé selon la revendication 1 1 , caractérisé en ce que ladite plate-forme sélectionne lesdites cibles (5a, 5b, 5c) selon des réponses dudit utilisateur contenues dans ledit message (M).12. The method of claim 1 1, characterized in that said platform selects said targets (5a, 5b, 5c) according to responses from said user contained in said message (M).
13. Procédé selon l'une quelconque des revendications 1 1 et 12, caractérisé en ce que ladite plate-forme (1) sélectionne lesdites cibles en fonction d'un identifiant (ID)13. Method according to any one of claims 1 1 and 12, characterized in that said platform (1) selects said targets according to an identifier (ID)
14. Plate-forme de transaction numérique en temps réel, entre un terminal utilisateur (3) et au moins deux cibles (5a,5b,5c), pour la mise en œuvre d'un procédé conforme à la revendication 1 , comportant14. Real-time digital transaction platform, between a user terminal (3) and at least two targets (5a, 5b, 5c), for the implementation of a method according to claim 1, comprising
- des moyens d'interfaçage amont (6) avec ledit terminal utilisateur (3) aptes à ' produire un message (M) exprimant une demande d'un utilisateur et à transmettre audit terminal utilisateur (3) au moins une réponse desdites cibles (5a,5b,5c) audit message (M), -' des moyens d'interfaçage aval (9) aptes à transmettre ledit message (M) aux dites cibles (5a,5b,5c), à recevoir des réponses (Ra,Rb,Rc) desdites cibles (5a,5b,5c) audit message (M), et à retransmettre au moins une desdites réponses vers lesdits moyens d'interfaçage amont (6), et - des moyens de supervision (13), caractérisée en ce que lesdits moyens d'interfaçage aval (9) comportent une pluralité d'unités de transmission (15a,15b,15c) aptes à opérer indépendamment les unes des autres, chacune desdites unités de transmission (15a,15b,15c) étant respectivement en relation de dialogue avec une desdites cibles (5a,5b,5c).- upstream interfacing means (6) with said user terminal (3) capable of producing a message (M) expressing a request from a user and transmitting to said user terminal (3) at least one response from said targets (5a , 5b, 5c) said message (M), - 'downstream interfacing means (9) able to transmit said message (M) to said targets (5a, 5b, 5c), to receive responses (Ra, Rb, Rc) from said targets (5a, 5b, 5c) to said message (M), and to retransmit at least one of said responses to said upstream interfacing means (6), and - supervision means (13), characterized in that said downstream interfacing means (9) comprise a plurality of transmission units (15a, 15b, 15c) capable of operating independently of each other, each of said transmission units (15a, 15b, 15c) being respectively in dialogue relation with one of said targets (5a, 5b, 5c ).
15. Plate-forme selon la revendication 14, caractérisée en ce qu'elle comporte des moyens de coordination (23) desdites unités de transmission (15a, 15b, 15c), de manière à activer sensiblement simultanément lesdites unités de transmission (15a,15b,15c).15. Platform according to claim 14, characterized in that it comprises coordination means (23) of said transmission units (15a, 15b, 15c), so as to activate substantially simultaneously said transmission units (15a, 15b , 15c).
16. Plate-forme selon la revendication 15, caractérisée en ce qu'elle comporte un minuteur (21) apte à informer lesdits moyens de coordination (23) de l'achèvement d'un délai prédéterminé depuis ladite activation desdites unités de transmission (15a,15b,15c).16. Platform according to claim 15, characterized in that it comprises a timer (21) capable of informing said coordination means (23) of the completion of a predetermined time since said activation of said transmission units (15a , 15b, 15c).
17. Plate-forme selon l'une quelconque des revendications 14 à 16, caractérisée en ce qu'elle comporte des moyens de regroupement (19) desdites réponses (Ra,Rb,Rc) desdites cibles (5a,5b,5c).17. Platform according to any one of claims 14 to 16, characterized in that it comprises means for grouping (19) said responses (Ra, Rb, Rc) of said targets (5a, 5b, 5c).
18. Plate-forme selon l'une quelconque des revendications 14 à 17, caractérisée en ce qu'au moins une desdites unités de transmission (15a,15b,15c) comporte des moyens de formatage (30,32) dudit message (M) et/ou d'une réponse (Ra,Rb,Rc) d'une cible (5a,5b,5c) affectée à ladite unité de transmission (15a,15b,15c).18. Platform according to any one of claims 14 to 17, characterized in that at least one of said transmission units (15a, 15b, 15c) comprises formatting means (30,32) of said message (M) and / or a response (Ra, Rb, Rc) from a target (5a, 5b, 5c) assigned to said transmission unit (15a, 15b, 15c).
19. Plate-forme selon la revendication 18, caractérisée en ce qu'elle comporte des moyens de sélection (38) desdits moyens de formatage (30,32).19. Platform according to claim 18, characterized in that it comprises selection means (38) of said formatting means (30,32).
20. Plate-forme selon l'une quelconque des revendications 14 à 19, caractérisée en ce qu'au moins une desdites unités de transmission (15a,15b,15c) comporte un connecteur (34,36) adapté au protocole d'émission et/ou de réception avec une cible affectée à ladite unité de transmission (15a,15b,15c).20. Platform according to any one of claims 14 to 19, characterized in that at least one of said transmission units (15a, 15b, 15c) comprises a connector (34,36) adapted to the transmission and / or reception protocol with a target assigned to said transmission unit (15a, 15b, 15c).
21 . Plate-forme selon la revendication 20, caractérisée en ce qu'elle comporte des moyens de sélection (38) dudit connecteur (34,36).21. Platform according to claim 20, characterized in that it comprises means (38) for selecting said connector (34,36).
22.. Plate-forme selon l'une quelconque des revendications 14 à 21 , caractérisée en ce qu'elle comporte des moyens de routage (7) aptes à sélectionner lesdites cibles (5a,5b,5c) et à produire une requête (Q) contenant au moins ledit message (M) et des informations sur les protocoles de communication utilisés par lesdites cibles (5a,5b,5c).22. Platform according to any one of claims 14 to 21, characterized in that it includes routing means (7) capable of selecting said targets (5a, 5b, 5c) and of producing a request (Q ) containing at least said message (M) and information on the communication protocols used by said targets (5a, 5b, 5c).
23. Plate-forme selon l'une quelconque des revendications 14 à 22, caractérisée en ce qu'elle comporte des moyens de traitement des réponses (1 1) desdites cibles (5a,5b,5c).23. Platform according to any one of claims 14 to 22, characterized in that it comprises means for processing the responses (1 1) of said targets (5a, 5b, 5c).
24. Plate-forme selon l'une quelconque des revendications 14 à 23, caractérisée en ce que ledit message (M) et/ou des informations transitant entre lesdits moyens d'interfaçage amont (6) et ledit terminal utilisateur (3) sont formatés selon un format autodescriptif.24. Platform according to any one of claims 14 to 23, characterized in that said message (M) and / or information passing between said upstream interfacing means (6) and said user terminal (3) are formatted in a self-describing format.
25. Plate-forme selon la revendication 24, caractérisé en ce que ledit format est un format du type XML.25. Platform according to claim 24, characterized in that said format is an XML type format.
26. Plate-forme selon la revendication 25, caractérisée en ce que ledit format est un format INSpML®.26. Platform according to claim 25, characterized in that said format is an INSpML® format.
27. Plate-forme selon l'une quelconque des revendications 14 à 26, caractérisée en ce que lesdits moyens de supervision (13) sont aptes à affecter des tâches de dialogue préalablement configurées à au moins une desdites unités de transmission27. Platform according to any one of claims 14 to 26, characterized in that said supervision means (13) are capable of assigning dialogue tasks previously configured to at least one of said transmission units
(15a,15b,15c). (15a, 15b, 15c).
EP02795321A 2001-10-18 2002-10-16 Method and platform for real time digital transaction Withdrawn EP1436717A1 (en)

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FR0113445A FR2831370B1 (en) 2001-10-18 2001-10-18 METHOD AND PLATFORM FOR DIGITAL TRANSACTION IN REAL TIME
FR0113445 2001-10-18
PCT/FR2002/003541 WO2003034250A1 (en) 2001-10-18 2002-10-16 Method and platform for real time digital transaction

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