US Patent No. 8,019,060

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Issue Date: 09/13/2011

Abstract: Transaction data is entered by the user in response to prompts in a template. The template and entered data are accumulated into data transactions which are exploded and sent to an external database servers for processing and storage. Each database server may explode the data transaction to produce ancillary records which are then stored, and/or forwards the data transaction or some or all of the ancillary records to other database servers for updating other databases associated with those database servers. The database server(s) may also return data streams for use in completing the fields in the data transaction.

What is claimed is:
1. A method, comprising:

obtaining data transaction information entered on a telephone from a single transmission from said telephone;

forming a plurality of different exploded data transactions for the single transmission, said plurality of different exploded data transaction indicative of a single data transaction, each of said exploded data transactions having different data that is intended for a different destination that is included as part of the exploded data transactions, and each of said exploded data transactions formed based on said data transaction information from said single transmission, so that different data from the single data transmission is separated and sent to different destinations; and

sending said different exploded data transactions over a channel to said different destinations, all based on said data transaction information entered in said single transmission.

2. A method as in claim 1, wherein said data transaction information is entered using a keyboard on the telephone.

3. A method as in claim 2, wherein said data transaction information is entered using scroll keys on the telephone to scroll between different options on a menu.

4. A method as in claim 2, wherein said data transaction information is entered using voice commands on the telephone.

5. A method as in claim 1, wherein said sending comprises sending over a modem.

6. A method as in claim 5, further comprising allowing both telephone operation and sending to be carried out over the same channel.

7. A method as in claim 1, wherein said sending comprises sending data as data packets, each data packet having a specified amount of information.

8. A method as in claim 1, wherein said destination is a database, and further comprising sending information from said database to said telephone, said information being of a type which is used in completing the data transaction and which becomes a part of the data transaction.

9. A method as in claim 1, wherein said different destinations each include databases, and said destination data includes numbers that address multiple different databases, and the exploded data transactions operate to update data in said multiple different databases based on said data transaction information from said single transmission and representing data in the single transmission that is intended for said multiple different databases.

10. A method as in claimed 9, wherein said destination is a first server, and further comprising second sending information from the first server to a second server to obtain further information wherein said second sending comprises using information within the exploded data transaction to access multiple different processing capabilities over a network.

11. A method as in claim 10, wherein said information within the exploded data transaction includes an address indicative of at least multiple ones of said servers.

12. A method as in claim 11 wherein said different destinations each include databases, and the exploded data transactions operate to update data in multiple different databases based on said data transaction information from said single transmission and representing data in the single transmission that is intended for different databases, where said destination information includes numbers indicative of databases.

13. A method, comprising:

obtaining data transaction information;

based on said data transaction information,

forming a plurality of different, exploded data transactions, said plurality of different exploded data transactions indicative of a single data transaction represented by said data transaction information, each of the exploded transactions having different data and having a different destination, where destination information indicative of multiple destinations for said exploded data transactions is included as part of the single data transaction, and each data transaction formed based on said data transaction information;

sending said different exploded data transactions over a channel to respective destinations, each respective destination represented by different destination information; and

receiving data from at least one of said destinations, which data is used as part of the data transaction, and is sent to a second of said destinations different than said one of said destinations, and where said second of said destination is represented by second destination information in said single data transaction.

14. A method as in claim 13, wherein said data transaction information is entered using a keyboard on a telephone.

15. A method as in claim 14, further comprising allowing both telephone operation and said sending and returning to be carried out over the same channel.

16. A method as in claim 13, wherein said data transaction information is entered using voice commands on a telephone.

17. A method as in claim 13, wherein said sending comprises sending data as data packets, each data packet having a specified number of bits of information.

18. A data transaction system comprising: a first transaction tier, operating to capture a data transaction from a user, said data transaction including at least one request for information from at least one remote server; a second transaction tier, operating to convert the data transaction into multiple different requests, based on said request for information, where said second tier converts, from a single data transaction from the user, a plurality of different exploded data transaction indicative of said single data transaction each of said exploded data transactions having different data and a different destination that is included as part of the exploded data transactions, and each of said exploded data transaction formed based on said data transaction information from said single transmission and representing said different data in the single transmission that is intended for different servers; and a third tier, further exploding at least plural of requests from said second transaction tier into third tier transaction requests for specific information from specific remote servers, where each of the third tier transaction requests is specific to a specified application.

19. A system as in claim 18, wherein said multiple different requests comprise at least one information sent to a database requesting information of a type which is used in completing the data transaction and which becomes a part of the data transaction.

20. A system as in claim 18, further comprising data templates, wherein said data transactions are defined using said templates and further comprising sending information from at least one of said servers by filling in portions of the templates.

21. A system as in claim 20, wherein a first of said templates is for use in carrying out a first data transaction on a first application, and a second of said templates is used for carrying out a second data transaction on a second application.

22. A system as in claim 21, wherein said second and third tiers use said templates for converting and exploding.

23. A system as in claim 18, wherein at least a portion of said first transaction tier includes a portable telephone.

24. A system as in claim 18, wherein said different destinations each include databases, and the exploded data transactions operate to update data in multiple different databases based on said data transaction information from said single transmission and representing data in the single transmission that is intended for different databases, where said destination is represented by numbers in the data transaction.