US006990466B1

(12) United States Patent (10) Patent N0.: US 6,990,466 B1 Hu (45) Date 0f Patent: Jan. 24, 2006

(54) METHOD AND SYSTEM FOR 5,930,512 A * 7/1999 Boden et al. ............. .. 717/102 INTEGRATING CORE BANKING BUSINESS 5,930,831 A * 7/1999 Marsh et al. 711/173 PROCESSES 5,933,593 A * 8/1999 Arun etal. . . . . . . . . . . . .. 714/6

5,933,816 A * 8/1999 Zeanah et al. 705/35 . - ~ - 6,006,229 A * 12/1999 Schmidt et al. 707/10

(75) Inventor‘ shlann'Jong Hu’ Talpel (TW) 6,006,277 A * 12/1999 Talati et al. .... .. 719/313

73 Assi nee: International Business Machines 6’018’627 A : 1/2000 Iyf’ngar et a1‘ 717/103 ( ) g corpora tion, Armonk, NY (Us) 6,041,312 A 3/2000 Bickerton et al. .......... .. 705/30

(Continued) ( * ) Notice: Subject to any disclaimer, the term of this

patent is extended or adjusted under 35 FOREIGN PATENT DOCUMENTS

U-S-C- 154(k)) by 0 days- JP 06-225111 8/1994

(21) Appl. No.: 09/634,435 (Continued)

(22) Filed: Aug. 8,2000 OTHER PUBLICATIONS _ _ _ _ _ Kistner, Toni, “Will Banks embrace Microsoft’s Integration

(30) Forelgn Apphcatlon Pnonty Data Tool?”, Bank Technology News, pNA, Feb. 1999*

Aug. 11, 1999 (JP) ............................... .. 11-111784 (Continued)

(51) Int- Cl- Primary Examiner—Yogesh C. Garg G06F 17/60 (2006-01) (74) Attorney, Agent, or Firm—Douglas A. Lashmit;

(52) US. Cl. .......................... .. 705/35; 705/40; 705/42; Hoffman, Warnick & D’Alessandro LLC 707/10; 709/201; 719/313

(58) Field of Classi?cation Search ................ .. 705/35, (57) ABSTRACT

705/30, 42, 40, 65, 17; 707/202, 103 R, 707/102; 709/217, 101,201,203; 717/103, A system and method are provided for integrating core

717/130, 102; 379/9317; 235/379; 345/789; banking business processes Which includes a business plat 714/6, 37, 20; 711/173; 719/313 form in Which tWo or more selected banking processes

See application ?le for complete search history. common to the core banking business are integrated. The business platform includes at least one database for sharing

(56) References Cited data betWeen the core banking business processes and to provide the system With customer and business information.

U-S~ PATENT DOCUMENTS The business platform invokes a basic business rule library

4,727,243 A * 2/1988 Savar ........................ .. 705/17 formed of two or more basic business Operations to be 5,095,421 A * 3/1992 Freund __ 709/101 implemented and a common function library Which includes 5,287,501 A * 2/ 1994 Lomet ............. .. 707/202 at least one common function program Which is called by the 5,412,801 A * 5/ 1995 de Remer et al 714/20 basic business operations. One or more application business 5,437,026 A * 7/1995 B9Tman et a1~ ~~~~~~~~~~~ ~~ 707/202 subsystems each formed of a combination of the basic 5,452,430 A : 9/1995 Dlevendor? et al' """" " 714/37 business operations are called by the business platform to

2 gifcsgaieliailli """ " 379/9317 perflprm tselectetd operations as required by a particular 5,734,823 A 3/1998 Saigh et al. 709/217 an mg fans“ 10“

5,890,140 A * 3/1999 Clark et al. 705/35 5,920,848 A * 7/1999 SchutZer et al. ............ .. 705/42 20 Claims, 21 Drawing Sheets

Data Model

' Data Rgiisii'gfnsznt Dictionary Generator Process Model

Business Platform

Program Type

Skeleton

Application Transaction

Batch Program

Data Layout

US 6,990,466 B1 Page 2

US. PATENT DOCUMENTS

6,070,152 A * 5/2000 Carey et al. ................ .. 705/35

6,076,092 A * 6/2000 Goldberg et al. ..... .. 707/103 R

6,119,104 A * 9/2000 Brumbelow et al. ........ .. 186/37

6,122,625 A * 9/2000 Rosen ................. ..

6,185,545 B1 *

6,189,785 B1 *

2/2001 Resnick et al. .

2/2001 Lowery ........... ..

6,289,320 B1 * 9/2001 Drummond et al. ........ .. 705/35

6,360,249 B1 * 3/2002 Courts et al. ............. .. 345/789

6,519,766 B1 * 2/2003 Barritz et al. 717/130 6,625,610 B1 * 9/2003 Siegel et al. 707/102

2002/0038289 A1 * 3/2002 Lawlor et al. .............. .. 705/42

FOREIGN PATENT DOCUMENTS

JP 08235239 A * 9/1996

W0 WO 94/18620 * 8/1994 W0 W0 00/ 10294 2/2000

OTHER PUBLICATIONS

Korth et al. (Text Book, “Database system concepts” McGraW-Hill, Inc., NeW York, Copyright © 1991, 1986).* Printed pamphlet for CICS OS/2 Developer kit CD-ROM, 15 Edition (May 1994, a total of 4 pages.* IBM publication; “Information Warehouse in the Finance Industry”; Document No. GG24-4340-00; Aug. 1994;

International Technical Support Organization, San Jose, extracted from Google database on Jun. 20, 2004.* IBM publication; “Work?oW and Image Library: FloWMark and VisualInfo With Windows”; Aug. 1996; IBM International Technical Support Organization Rochester Center, extracted from Google database on Jun. 20, 2004.* Application Design Guide; IBM Publication No. GC33 0999-00, Mar. 26, 1993, 43 pgs. CICS Family: API Structure, IBM Publication No. SC33 1007-01, Feb. 2, 1996, 154 pgs. CICS for OS/2 Version 2.0.1. Application Programming, IBM Publication No. SC33-0883-01, Sep. 4, 1995; 357 pgs. CICS for OS/2 Version 2.0.1 Customization, IBM Publica tion No. SC33-0880-01, Jun. 19, 1996, 265 pgs. CICS for OS/2 Version 2.0.1 Installation, IBM Publication No. GC33-0879-01, Jun. 19, 1996, 78 pgs. CICS for OS/2 Version 2.0.1 Intercommunication, IBM Publication No. SC33-0826-01, Nov. 28, 1994, 197 pgs. CICS for OS/2 Version 2.0.1 Operation, IBM Publication No. SC33-0881-01, Jun. 19, 1996, 128 pgs. CICS for OS/2 Version 2.0.1 Problem Determination, IBM Publication No. SC33-1005-01, Jun. 19, 1996, 212 pgs. Messages and Codes, IBM Publication No. SC33-1426-00, Nov. 30, 1994, 718 pgs.

* cited by examiner

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CCBmain

Application Transaction Application Server

GCCBAAR - Accounting Rule GCCBAVD - Valued Document GCCBAMH - Message Handling GCCBAMP- Multiple Output Put GCCBACI - Customer Information Build GCCBAMT - Tx Amount seting GCCBCND - Tx Accounting Condition Seting GCCBASD - Special Device Handling

Application Server: 1. Trigger by Application

US 6,990,466 B1

2. Update Core Layer Database 3. Pass Data to CCBmain 4. Parameter Area Defiend by CCBmain

FIG. 7

PDBIMAIN

GDBlMAiN

Access

IMS, UDB/6000, DB2/400, RDBMS, FILE V

U.S. Patent Jan. 24, 2006 Sheet 7 6f 21 US 6,990,466 B1

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U.S. Patent Jan. 24, 2006 Sheet 8 6f 21 US 6,990,466 B1

L

GFAIMAIN

File Access Engine

F1 F2 F3 F4 ' ° '

Account Cash

Cycl 0 Exchange Change

" Date , <~—-- 15:30

: M——-—> HH M Cash

Exchange

U.S. Patent Jan. 24, 2006 Sheet 15 0f 21 US 6,990,466 B1

GCCBMAP(Accounting Server) ' Balance Check A t - Account General Ledge cfoun - Settlement 0g

Launch Accounting

Server Account Log

Return Terminal Info @

Terminal< @ <@ Return CCBMAIN t Sys em P CCBMAIN Transaction

@ \/ @ Return Tx Launch Host TX Launch CICS Tx @

GCCBAAMT * Input

I Business Code can CCBAAMT

I Amount Table,Copy bc KB * Output (‘D

I CBAMTARE Setr Amount

GCCBACND * Input Call GCCBACND

I Business Code set I Condition Table @ Conditin I Element

* Output Elements

I Condition lD

GCCBAAR * Input

I Business Code can GCCBAAR set override I Condition lD D t s t I TSYSSART a a e I CBARAARE Transfer ln/Out I CBAMTARE Account I CBAOAARE

* Output I CBAEAARE

U.S. Patent Jan. 24, 2006 Sheet 16 0f 21 US 6,990,466 B1

FIG. 17

Accounting _ Drawing out Accountlng

Log (TXL)

Accont - General

Center Cut Processlng Ledge (same mode as online processing) 0 Auto-payment 0 Auto-withdraw

0 Loan-returning

U.S. Patent Jan. 24, 2006 Sheet 17 0f 21

FIG. 18

T/S

US 6,990,466 B1

CMO999800,Log-No, Acct-No, AMTl, Amt2 CMTXLTXL

V

'1, CCBMain CBECIARE

' CBAEAARE

' " V lnut

Transaction Message

l_- ' Transaction Request

GSYSTRIG

CBTGSARE

KB KB Request

U.S. Patent Jan. 24, 2006 Sheet 18 0f 21 US 6,990,466 B1

FIG. 19

0:00

9:00 —

ATM/ speech bank

22:00 22:30

23:

genera! business

15:30 -

17100 — ‘—

<—-———— To

*—- branch open

‘— 24 hour cutoff

site settlement (official business)

‘___ site settlement (private business)

00:30 "0 <—-—TN

02:00 _‘ ‘—TC