System and method for processing multiple financial applications using a three-tier value network

摘要

A three-tier, client-server system and method provides improved financial services over a network and processes financial transactions among many user accounts and service providers, and automatically routes and receives financial transaction messages or other financial or account information, reviews account information and other financial data, and updates the financial records of user accounts and service providers in accordance with the particular financial transaction being processed. The system and method also allows access and analysis of financial data to provide improved financial services over a computerized network system. The financial transaction network includes a data center operations portion containing business critical computing module, a back office, general accounting and smart suite financial applications module; and a data warehouse and decision support module. The data center operations can be accessed by, and communicates through, an enterprise network backbone. The system also includes middle-tier application servers which are also accessed by, and communicate with the enterprise network backbone. Application servers can further be accessed by, and communicate with the bottom tier, front end clients over a proprietary virtual private extranet. And application servers can also further be accessed by the Internet, through the World Wide Web, and Java applets.