WO2017149358A1 - Automated process for searching for and consulting financial information of users using a web service - Google Patents

Abstract

The invention relates to the implementation of a process that permits an authorised user of a central company or entity, as well as a secondary subsidiary unit thereof, to enter via a previously developed system which provides them with a username and password in order to consult financial information stored in the databases thereof of a client, which process is carried out via a web services which traces all the information of the client held by the entity and units, outputting a result restricted exclusively to financial information, in particular relating to debts incurred by the client with any of the secondary units and which have not been covered.

Description

AUTOMATED SEARCH AND CONSULTATION PROCESS OF             FINANCIAL INFORMATION OF USERS USING A WEB SERVICE

The present invention belongs to the field of                 information and communication technologies and it                 refers to an automated search and query process                 of financial information using web services that                 certain user within an entity or company                 central uses, to consult information of several                 dependent secondary units, entering                 through a system that authorizes the search.

KR20040031575, CA2853346, WO200522289, US20090204517

The present invention relates to a process                 which allows to register, store, harmonize and consult                 Customer financial information of two or more                 secondary units that depend on an entity or                 central company This information consists                 mainly in debts that customers have                 contracted with such units, so that when said                 customers go to the central entity or company to                 acquire new obligations or celebrate any type                 financial act, the central entity can access                 the information through a search and once it                 generate the search report, it can make a decision.

In a post modern society like the                     our, the systematization and automation of                     processes becomes more and more everyday, due to                     that these facilitate the execution of the majority of                     our daily activities, the activities                     accounting and financial have not been left behind and in                     today there are a large number of these                     processes in the state of the art, so to                     then a comparative analysis is performed                     between those inventions with the proposal in the                     present request

Patent application KR20040031575 is                     refers to a method for processing                     accounting information through the network of                     wireless and cable communication comprising                     The following elements: 1) building a                     central server system; building a                     database that is prepared with information from the                     clients and part-time workers such as                     identification and needs information                     accountants; and cooperates with the central server; 3) a                     website that also collaborates with the server                     central comparing the information that is entered in                     the website when connecting to the one                     it is stored in the database; 4) be                     generates a list of accounting work where the                     customer stores a document with information                     necessary on the client server and at the same time it is                     generated on the website; 5) the time worker                     partial enters the website and requests to be assigned                     the work generated on the site; 6) select at                     worker who will carry out the work of                     client; the worker connects to the server                     of the client and converts the evidence entered by                     the client in accounting information and this is                     guarded. The main limitation of said invention                     is that through this a server communicates                     central, a database and a web page, in                     where several subjects interact, on the one hand                     customers and on the other the workers to                     which is assigned the task of solving the problem                     accounting that customers request, therefore the                     purpose is different from the proposed invention because                     seeks to establish communication between these subjects                     For the solution of a customer need.

Application CA2853346 refers to a                     automated accounting process, through which                     offer financial services to a user who                     They include the following stages: 1) provide a                     web-based application that allows the user                     enter data related to a company; 2) be                     run an algorithm of a plurality of these                     depending on the data entered; 3) is determined                     the action to take with the web-based application                     of a plurality of actions depending on the                     result of applying the algorithm on the data                     entered by the user. The difference with this                     invention is that it contemplates a series of                     financial services provided to a user                     of the web application and that it in turn runs                     certain actions depending on the request                     of the user, so the information collected is                     exclusively from the user and the actions are                     aimed at obtaining as a result the organization                     of such information following financial criteria.

For its part, the application WO200522289                     comprises a method and system of transactions                     accountants for simultaneous treatment of                     events in the cyber space, which                     It comprises the following main steps: 1)                     capture the business event with a series                     of predefined maneuvers; 2) the event is monitored                     continuously as a static event, updating the                     maneuver status until the life cycle                     of the event is completed; 3) are filed in                     a database the data of the completed file;                     4) access to information is allowed through                     a shared database to generate records                     of accounting by members. The                     limitations of the invention consist in that the                     objective of it is aimed at monitoring                     the acts that involve accounting aspects to                     which when they are entered into the system are assigned                     a specific action and is monitored until its                     termination therefore it is a method to                     follow up and the database that is generated is                     to save the information of each of the                     activities that in the past were entered and that                     have been concluded or remain in force.

Application US20090204517 refers to a                     method and process to analyze accounting data                     of a company that has multiple entities of                     business, which includes the following stages: 1)                     Receipt of accounting data between two units                     of a company's business, this information is                     receives from multiple separate accounting systems;                     2) group balance information according to                     the commercial relationship between these units,                     creating a unique identifier of the relationship                     commercial between entities; 3) a report is created                     indicating the balances of the grouped accounts. Bliss                     invention aims to unify the                     information and follow up on actions                     economic that are made within a                     organization that has several units or                     departments with which a record is generated and                     an analysis work begins, which                     apply different filters to generate a                     graphical representation of the results and a                     final report with the information collected, no                     Despite the information taken into consideration                     belongs to a company with various units in its                     economic relations

The previous inventions constitute the state of the art, but as can be seen, each one addresses different aspects, and at the same time, they also present a series of vulnerabilities for which the present invention constitutes a substantial step and incorporates different technical advantages. The main disadvantages that the present invention counteracts are: 1) it is a process that uses a central server belonging to a central entity or company, and several secondary servers belonging to different secondary units and which are detached from the central; a database and a web service through which the information stored by each of the secondary units located in geographically located in different places interacting with one of the central entities or companies can be consulted by the latter; 2) the information that the secondary units store corresponds to the financial information of the clients of each unit, mainly of debts; 3) the process incorporates the entry through a system previously developed and installed in the central and secondary units through which the users who enter the information are identified as well as those who intend to access it and which is stored in the respective databases restricting access exclusively to said persons for the protection of stored information; 4) It also includes the use of a web service through which the central entity or company can access the information stored when a client goes directly to the central offices, to know the financial history that said client has with the secondary units; 5) Another important element that incorporates the invention is the protection of the information that the other secondary units store of the client preventing the central entity from accessing it, but that the search is limited to financial matters; 5) it also establishes a constant update of the stored information thanks to the fact that in the information storage stage users of each of the secondary units are involved.

The proposed invention consists of                     a novel process, which includes the                     following stages that work so                     interrelated and complementary: 1) Configuration                     from the central server; 2) Information consultation;                     3) Search report generation and; 4) Review                     of information request status.

A brief description follows.                 of the 3 figures that are part of this                 request.

Fig. 1

 It consists of a modular diagram of                     how the different components of the                     automated process, in which it is appreciated from                     left to right, that users are the ones                     do the information query to a server                     central, who in turn communicates with different                     secondary servers Said process of                     communication is done through a network                     Internet connected computing.

Fig. 2

 It consists of a flowcharts of the                     automated process, showing the stages by                     that goes through a new request. As you can see,                     the stages range from when the user makes a                     new request for information, going through the web                     services and the validations that are performed for                     process the request on the central server as well                     like the activities of the secondary servers,                     until returning a folio of service.

Fig. 3

 It consists of a flow chart of                     process showing the revision of a                     request for information, in which, when you are                     processing a request for information, the process                     automated maintains a constant review of                     queries made to secondary servers, up to                     that the secondary server delivers a response.                     Once you have the answer of all                     secondary servers, a full report is assembled                     of that request for information.

To carry out the etapsa already described from                 present process, which work so                 interrelated and complementary, it will proceed from the                 Following way:

1) Central server configuration

This stage includes the use of a central server through which the interface that allows communication between the users of the central entity or company and the secondary units is provided. The entity, through the support staff and a system developed exprofeso for this purpose, makes the registration of the credentials of the users authorized to use the web services .

For its part, a database is created in the                 which configuration information will be stored,                 authorization and use of this process. The users                 authorized are those that are registered in the base                 of data and that are allowed to consult the                 information stored on secondary servers. TO                 these users the central entity, provides them with                 corresponding credentials to use the service.

2) Information inquiry

To consult the information it is necessary for an authorized user of the central entity or of the secondary units to access a web services by connecting via the internet and a URL, through which they have access to the other applications, databases and resources of the central server entering their ID and password, and which in turn restricts the search exclusively to the client's financial information.

Initially a connectivity test is carried out, prior to making any query. Subsequently, the client's data to be consulted is entered, such as full name and the code, number or tax record, a folio is assigned to the request through an autoincremental counter that is kept in the database and that serves the central entity to keep track of the queries made. For each new request or request received through the web services , the counter is increased.

Once the user is authenticated and the request is received, its processing is carried out, using a computerized algorithm. This algorithm also has access to the same web service information, and always reviews new query requests. The web service takes the request and connects via internet to all the servers of the secondary units to verify if in their respective databases there is a record of the information of the client whose search has started, restricting the results exclusively to the financial information , specifically the one related to debts for previous obligations contracted between the unit and the client.

Each server of the secondary units                 It has an application that is responsible for making the link                 via internet and process the query and allow access                 to the database of the unit that stored the                 information. This application resides on the server of                 the secondary units and is designed to                 Authenticate authentically to databases                 of the secondary server. When you receive a request via                 internet, verify that it is the central server who                 He makes this request. Once you have authenticated to                 central server connects to the database where                 Make the necessary inquiries to attend the                 central server information request. Having                 done this query, the application reports the result                 to the central server and disconnects from the request,                 waiting for a new request.

3) Search report generation

Once the search is done, the                 Query data package and communicates via                 internet to the central server, in said data packet                 the secondary server identifier is set,                 the request number, and a response from the server                 secondary, where you specify if the client has                 debts, or failing that there were any exceptions that do not                 allowed to obtain a concrete answer. Once I know                 receive responses from all servers in each                 one of the secondary units is terminated the                 query. The central server concentrates all                 responses from the secondary servers and stores them                 in the database for later reference.

4) Review of information request status

The system used by the user is responsible for consulting the web services if there is already a response to a request for information made. For this, the system used by the user must be checking the progress in which the requests made to the web services are made every certain time. Once you have all the information of the secondary servers in the central server database, the web services will respond to the system used by the user who has completed the processing with all the secondary servers appending the response of each of the servers secondary. Revealing if the client contracted obligations with any secondary unit.

The present invention can be applied                     between two public institutions, such as                     municipal authorities, mayors, districts or                     deputations, states or provinces, or any                     administrative authority that requires interconnecting                     its databases in which it stores                     information of various kinds, but particularly                     of financial type, with other similar dependencies,                     for the purpose of sharing certain                     very specific and limited information, of the total of                     such information, through search reports                     default

It should be noted that the need for                     sharing the aforementioned information does not derive from the                     subordination of one of the authorities to another but                     of fulfilling their respective functions or the                     own requirement of the nature of the services                     public provided by said entity.

The present invention has application in the                 interconnection of databases of sector units                 public, or business, that does not have a relationship                 hierarchical dependence or subordination, but that                 however, they find it necessary to share some                 Search results.

The above, always and candono are revealed                 some confidential or sensitive data, as you can                 be the structure of the database or be returned from                 improper way of personal information contained in the                 electronic files of said databases                 managed by the aforementioned entities

Claims (12)

An automated search and query process                 of financial information made by a user within                 of a central entity or company with respect to several                 dependent secondary units, characterized                 by: 1) a thread that allows the configuration of the                 central server; 2) a thread that allows the                 information consultation; 3) a thread that allows                 search report generation and; 4) a thread                 which allows the review of information request status. A process as claimed in 1,                 in which the thread that allows configuration                 of the central server, contemplates the communication between the                 central entity or company and secondary units to                 through an interface as well as creating                 user identification credentials that                 they can access the information for as well as the                 creation of one database per secondary unit in                 which stores customer information with the                 which contract any type of obligations. A process as claimed in 1, in which the subprocess that allows the consultation of the information includes access to a web services through the internet and a URL to request information from the databases by people authorized by the central entity or secondary units and your request is processed. A thread as claimed in                 3, in which authorized users enter the                 customer data to consult, such as name                 complete and the code, number or tax register. A subprocess as claimed in 3, in which once the user is authenticated and the request is generated, its processing is carried out through a computerized algorithm that accesses the information of the web service. A subprocess as claimed in 3, in which once the request is generated, the web services connect via internet to all the servers of the secondary units to verify if there is a record of customer information in their databases whose search has begun by restricting the results exclusively to financial information. A thread as claimed in                 3, in which each server of the secondary units                 It has an application that is designed to                 authenticate autonomously and verify that it is                 the central server that is requesting information. A thread as claimed in                 3, in which once the central server is authenticated,                 the application connects to the database and performs                 the necessary consultations, inform the result and                 Disconnect from the request. A process as claimed in 1,                 in which the thread that allows the generation of                 search report, includes the integration of a                 Query data packet with information                 thrown by searching the databases of each                 one of the secondary units and communicates via                 Internet to the central server. A thread as claimed in                 9, in which the data packet establishes the                 secondary server identifier, the number of                 request and response from the secondary server in                 where it reflects the financial information of the client. A thread as claimed in                 9, in which once the central server receives the                 responses from secondary servers stores them in                 a database for later reference. A process as claimed in 1, in which the subprocess that allows the review of information request status includes the query every certain time of the progress of the requests to the web service, once the information of the secondary servers has been obtained , the web service will respond that the processing is finished by throwing the information.

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