US 11,704,671 B2
Financial messaging transformation-as-a-service
Edward Ireland, Towchester (GB); Andy Turner, Royston (GB); and Ludovic Pourrat, Annecy (FR)
Assigned to Bottomline Technologies Limited, Reading (GB)
Filed by Bottomline Technologies Limited, Reading (GB)
Filed on Apr. 2, 2020, as Appl. No. 16/838,297.
Prior Publication US 2021/0312454 A1, Oct. 7, 2021
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/40 (2012.01); G06Q 20/38 (2012.01)
CPC G06Q 20/4016 (2013.01) [G06Q 20/386 (2020.05)] 15 Claims
OG exemplary drawing
 
1. A system for transforming financial messages, the system comprising:
a financial institution, electrically connected to a cloud, the financial institution configured to create and send a POST/TRANSFORM HTTP message containing a financial message to a special purpose transformation-as-a-service server via the cloud, the POST/TRANSFORM HTTP message being an HTTP POST message that includes a /TRANSFORM subcommand;
a fraud monitor, electrically connected to the cloud, the fraud monitor configured to:
accept a message from the cloud,
check the message for fraudulent activity, and
return an indication of fraud;
a sanctions monitor electrically connected to the cloud, the sanctions monitor configured to:
accept a sanctions message from the financial institution via the cloud, said message containing a token,
interrogate the special purpose transformation-as-a-service server for a portion of the transformed message,
check the portion of the transformed message for sanctioned activity, and
return a sanction indication to the financial institution; and
the special purpose transformation-as-a-service server, the special purpose transformation-as-a-service server comprising:
a plurality of processing cores electrically connected;
a data storage device electrically connected to the plurality of processing cores; and
a network interface electrically connected to the plurality of processing cores and to the cloud, the special purpose transformation-as-a-service server accessible to the financial institution and the fraud monitor through the cloud, the plurality of processing cores configured to:
accept the POST/TRANSFORM HTTP message containing the financial message from the financial institution,
determine if the financial institution has permission to perform a service requested in the financial message,
store the financial message in the data storage device, parse the financial message into fields and data,
transform the financial message into a transformed message that contains at least a portion of the data from the financial message, using a mappings library on the fields,
store the transformed message in the data storage device, generate the token related to the transformed message and the financial message, and
return the token and the transformed message to the financial institution in response to the POST/TRANSFORM HTTP message;
the financial institution configured to send the token to the fraud monitor, the fraud monitor configured to send the token in a GET/TRANSFORM HTTP message to the special purpose transformation-as-a-service server, and
the special purpose transformation-as-a-service server configured to return a portion of the transformed message to the fraud monitor in response to the GET/TRANSFORM HTTP message which evaluates the portion of the transformed message and returns the indication of the fraud to the financial institution.