PATENT ABSTRACT
A system and method are provided for facilitating real-time pricing with volume discounting. The method includes receiving a request for a real-time price quote for a transaction from a first account. The request is received at a first instance in time during a billing cycle. The method also includes determining a first production service, where the first production service is a component of the transaction, and determining a count of first production service instances representing the first production service in the received transaction. The method further includes determining a billable entity for the transaction, where the billable entity includes one or more related accounts, and the related accounts includes the first account. The method additionally includes determining a total of the first production service instances purchased by the related accounts during the billing cycle up to the first instance in time, where the total includes the count of the first production service instances in the received transaction. The method also includes determining a price applicable to the total of the first production service instances based on a pricing method, and apportioning the price to the received transaction based on the count of the first production service instance in the received transaction. The system includes a computer-readable storage medium that has stored thereon computer instructions that, when executed by a computer, cause the computer to receive a request for a real-time price quote for a transaction. The request is received at a first instance in time during a billing cycle, and the transaction includes a number of first production service instances, where each instance represents a first production service. The computer instructions also cause the computer to determine a total count of production service instances consumed during the billing cycle up to the first instance in time based on a pricing relationship, and determine a billing service appropriate for the first production service. The computer instructions further cause the computer to calculate a price for the first production service from a price table based on a first attribute for the billing service and the total count of production service instances consumed, and apportion the price to the received transaction based on the number of first production service instances in the transaction.

PATENT DESCRIPTION
RELATED PATENTS 
   The present application is related to the commonly owned U.S. Pat. No. 6,052,672 entitled “DATA PROCESSING SYSTEM FOR COMPLEX PRICING AND TRANSACTIONAL ANALYSIS,” which is hereby incorporated by reference herein in its entirety. 
   RELATED APPLICATIONS 
   The present application is related to the co-pending and commonly owned U.S. patent application Ser. No. 09/183,335 entitled “DATA PROCESSING SYSTEM FOR PRICING, COSTING AND BILLING OF FINANCIAL TRANSACTIONS,” which is hereby incorporated by reference herein in its entirety. 
   COMPUTER PROGRAM LISTING APPENDIX 
   The computer program listing appendix attached hereto consists of two (2) identical compact disks, copy 1 and copy 2, each containing a listing of the software code for embodiments of components of this invention. Each compact disk contains the following files (date and time of creation, size in bytes, filename): 
   
     
       
             
           
             
             
             
             
           
             
           
             
             
             
             
           
             
           
             
             
             
             
           
             
             
             
           
             
           
             
             
             
             
           
             
             
             
           
             
           
             
             
             
             
           
             
             
             
           
             
           
             
             
             
             
           
             
             
             
           
             
           
             
             
             
             
           
             
             
             
           
             
           
             
             
             
             
           
             
             
             
           
             
           
             
             
             
             
           
             
             
             
           
             
           
             
             
             
             
           
             
             
             
           
             
           
             
             
             
             
           
             
             
             
           
             
             
             
             
           
             
             
             
           
             
             
             
             
           
             
           
             
             
             
             
           
             
             
             
           
             
           
             
             
             
             
           
             
             
             
           
             
           
             
             
             
             
           
             
             
             
           
             
           
             
             
             
             
           
             
             
             
           
             
           
             
             
             
             
           
             
             
             
           
             
             
           
         
             
                 
             
           
           
             
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               146,211 SCIS196_CBL.TXT 
             
             
               01/29/01 
               10:39a 
               124,426 SCIS199_CBL.TXT 
             
             
               01/29/01 
               10:39a 
               169,468 SCIS701_CBL.TXT 
             
             
               01/29/01 
               10:55a 
               346 SCIS701_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               139,090 SCIS702_CBL.TXT 
             
             
               01/29/01 
               10:40a 
               88,998 SCIS703_CBL.TXT 
             
             
               01/29/01 
               10:55a 
               346 SCIS703_CPY.TXT 
             
             
               01/29/01 
               10:40a 
               134,605 SCIS704_CBL.TXT 
             
             
               01/29/01 
               10:40a 
               104,320 SCIS705_CBL.TXT 
             
             
               01/29/01 
               10:55a 
               349 SCIS705_CPY.TXT 
             
             
               01/29/01 
               10:40a 
               124,457 SCIS706_CBL.TXT 
             
             
               01/29/01 
               10:40a 
               91,408 SCIS707_CBL.TXT 
             
             
               01/29/01 
               10:55a 
               349 SCIS707_CPY.TXT 
             
             
               01/29/01 
               10:40a 
               125,202 SCIS708_CBL.TXT 
             
             
               01/29/01 
               10:40a 
               116,165 SCIS709_CBL.TXT 
             
             
               01/29/01 
               10:55a 
               343 SCIS709_CPY.TXT 
             
             
               01/29/01 
               10:40a 
               148,219 SCIS710_CBL.TXT 
             
             
               01/29/01 
               10:40a 
               93,778 SCIS711_CBL.TXT 
             
             
               01/29/01 
               10:55a 
               346 SCIS711_CPY.TXT 
             
             
               01/29/01 
               10:40a 
               126,338 SCIS712_CBL.TXT 
             
             
               01/29/01 
               10:40a 
               214,783 SCIS713_CBL.TXT 
             
             
               01/29/01 
               10:55a 
               675 SCIS713_CPY.TXT 
             
             
               01/29/01 
               10:40a 
               136,369 SCIS714_CBL.TXT 
             
             
               01/29/01 
               10:40a 
               84,799 SCIS717_CBL.TXT 
             
             
               01/29/01 
               10:56a 
               349 SCIS717_CPY.TXT 
             
             
               01/29/01 
               10:40a 
               127,780 SCIS718_CBL.TXT 
             
             
               01/29/01 
               10:40a 
               468,380 SCIS723_CBL.TXT 
             
             
               01/29/01 
               10:56a 
               349 SCIS723_CPY.TXT 
             
             
               01/29/01 
               10:40a 
               186,159 SCIS724_CBL.TXT 
             
             
               01/29/01 
               10:40a 
               238,079 SCIS727_CBL.TXT 
             
             
               01/29/01 
               10:56a 
               349 SCIS727_CPY.TXT 
             
             
               01/29/01 
               10:40a 
               128,803 SCIS728_CBL.TXT 
             
             
               01/29/01 
               10:40a 
               436,585 SCIS729_CBL.TXT 
             
             
               01/29/01 
               10:56a 
               346 SCIS729_CPY.TXT 
             
             
               01/29/01 
               10:40a 
               175,547 SCIS730_CBL.TXT 
             
             
               01/29/01 
               10:40a 
               86,311 SCIS731_CBL.TXT 
             
             
               01/29/01 
               10:57a 
               349 SCIS731_CPY.TXT 
             
             
               01/29/01 
               10:40a 
               127,420 SCIS732_CBL.TXT 
             
             
               01/29/01 
               10:40a 
               144,640 SCIS999_CBL.TXT 
             
           
        
         
             
               Directory of D:\M-9381 US\COR 
             
           
        
         
             
               01/31/01 
               03:27p 
               &lt;DIR&gt; 
               . 
             
             
               01/31/01 
               03:31p 
               &lt;DIR&gt; 
               .. 
             
           
        
         
             
               01/29/01 
               10:41a 
               16,105 BCOR001_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               16,691 BCOR002_CBL.TXT 
             
             
               01/29/01 
               12:29p 
               68,108 BCOR003_CBL.TXT 
             
             
               01/29/01 
               10:39a 
               25,942 ICOR001_CBL.TXT 
             
             
               01/29/01 
               10:52a 
               8,372 ICOR001_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               43,927 ICOR011_CBL.TXT 
             
             
               01/29/01 
               10:52a 
               26,969 ICOR011_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               38,679 ICOR012_CBL.TXT 
             
             
               01/29/01 
               10:52a 
               22,122 ICOR012_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               40,805 ICOR013_CBL.TXT 
             
             
               01/29/01 
               10:52a 
               24,879 ICOR013_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               41,479 ICOR016_CBL.TXT 
             
             
               01/29/01 
               10:52a 
               28,351 ICOR016_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               41,295 ICOR017_CBL.TXT 
             
             
               01/29/01 
               10:52a 
               27,875 ICOR017_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               47,559 ICOR019_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               29,279 ICOR019_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               41,090 ICOR020_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               27,139 ICOR020_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               42,011 ICOR021_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               29,334 ICOR021_CPY.TXT 
             
             
               01/29/01 
               12:35p 
               30,078 ICOR022_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               8,651 ICOR022_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               37,393 ICOR023_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               21,514 ICOR023_CPYTXT 
             
             
               01/29/01 
               10:39a 
               64,580 ICOR025_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               46,243 ICOR025_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               42,068 ICOR028_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               29,929 ICOR028_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               56,659 ICOR050_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               38,833 ICOR050_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               54,144 ICOR051_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               36,342 ICOR051_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               49,390 ICOR052_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               32,346 ICOR052_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               61,073 ICOR053_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               42,464 ICOR053_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               49,137 ICOR054_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               32,156 ICOR054_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               57,354 ICOR055_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               39,006 ICOR055_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               70,700 ICOR056_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               50,684 ICOR056_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               49,283 ICOR057_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               32,345 ICOR057_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               67,585 ICOR058_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               48,403 ICOR058_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               68,072 ICOR059_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               47,277 ICOR059_CPY.TXT 
             
             
               01/29/01 
               12:41p 
               79,984 LCOR001_CBL.TXT 
             
             
               01/29/01 
               10:46a 
               323 LCOR001_CPY.TXT 
             
             
               01/29/01 
               12:35p 
               27,847 LCOR002_CBL.TXT 
             
             
               01/29/01 
               12:36p 
               29,319 LCOR003_CBL.TXT 
             
             
               01/29/01 
               12:36p 
               33,886 LCOR004_CBL.TXT 
             
             
               01/29/01 
               12:36p 
               28,433 LCOR005_CBL.TXT 
             
             
               01/29/01 
               01:35p 
               26,328 LC0R006_CBL.TXT 
             
             
               01/29/01 
               12:36p 
               23,979 LCOR007_CBL.TXT 
             
             
               01/29/01 
               12:42p 
               27,505 LCOR010_CBL.TXT 
             
             
               01/29/01 
               04:30p 
               57,676 RCOR000m.TXT 
             
             
               01/29/01 
               04:30p 
               53,152 RCOR001m.TXT 
             
             
               01/29/01 
               04:34p 
               57,916 RCOR002m.TXT 
             
             
               01/29/01 
               04:34p 
               53,337 RCOR007m.TXT 
             
             
               01/29/01 
               04:30p 
               92,054 RCOR011m.TXT 
             
             
               01/29/01 
               04:30p 
               86,881 RCOR012m.TXT 
             
             
               01/29/01 
               04:30p 
               86,596 RCOR013m.TXT 
             
             
               01/29/01 
               04:30p 
               82,400 RCOR016m.TXT 
             
             
               01/29/01 
               04:30p 
               83,438 RCOR017m.TXT 
             
             
               01/29/01 
               04:30p 
               59,213 RCOR018m.TXT 
             
             
               01/29/01 
               04:30p 
               100,528 RCOR019m.TXT 
             
             
               01/29/01 
               04:30p 
               84,268 RCOR020m.TXT 
             
             
               01/29/01 
               04:30p 
               81,747 RCOR021m.TXT 
             
             
               01/29/01 
               04:30p 
               81,903 RCOR023m.TXT 
             
             
               01/29/01 
               04:35p 
               98,146 RCOR025m.TXT 
             
             
               01/29/01 
               04:30p 
               81,155 RCOR028m.TXT 
             
             
               01/29/01 
               04:30p 
               46,097 RCOR033m.TXT 
             
             
               01/29/01 
               04:35p 
               91,065 RCOR050m.TXT 
             
             
               01/29/01 
               04:35p 
               87,584 RCOR051m.TXT 
             
             
               01/29/01 
               04:35p 
               80,488 RCOR052m.TXT 
             
             
               01/29/01 
               04:35p 
               96,711 RCOR053m.TXT 
             
             
               01/29/01 
               04:35p 
               81,410 RCOR054m.TXT 
             
             
               01/29/01 
               04:35p 
               92,375 RCOR055m.TXT 
             
             
               01/29/01 
               04:35p 
               102,448 RCOR056m.TXT 
             
             
               01/29/01 
               04:35p 
               81,376 RCOR057m.TXT 
             
             
               01/29/01 
               04:35p 
               104,131 RCOR058m.TXT 
             
             
               01/29/01 
               04:35p 
               104,784 RCOR059m.TXT 
             
             
               01/29/01 
               12:42p 
               93,661 SCOR000_CBL.TXT 
             
             
               01/29/01 
               10:57a 
               348 SCOR000_CPY.TXT 
             
             
               01/29/01 
               12:36p 
               86,049 SCOR001_CBL.TXT 
             
             
               01/29/01 
               10:57a 
               348 SCOR001_CPY.TXT 
             
             
               01/29/01 
               10:40a 
               53,682 SCOR007_CBL.TXT 
             
             
               01/29/01 
               10:40a 
               124,142 SCOR011_CBL.TXT 
             
             
               01/29/01 
               10:57a 
               349 SCOR011_CPY.TXT 
             
             
               01/29/01 
               10:40a 
               87,161 SCOR012_CBL.TXT 
             
             
               01/29/01 
               10:57a 
               343 SCOR012_CPY.TXT 
             
             
               01/29/01 
               10:40a 
               123,301 SCOR013_CBL.TXT 
             
             
               01/29/01 
               10:57a 
               674 SCOR013_CPY.TXT 
             
             
               01/29/01 
               10:40a 
               81,407 SCOR016_CBL.TXT 
             
             
               01/29/01 
               10:57a 
               349 SCOR016_CPY.TXT 
             
             
               01/29/01 
               10:40a 
               80,331 SCOR017_CBL.TXT 
             
             
               01/29/01 
               10:57a 
               349 SCOR017_CPY.TXT 
             
             
               01/29/01 
               12:36p 
               96,171 SCOR018_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               154,792 SCOR019_CBL.TXT 
             
             
               01/29/01 
               10:57a 
               346 SCOR019_CPY.TXT 
             
             
               01/29/01 
               10:41a 
               81,191 SCOR020_CBL.TXT 
             
             
               01/29/01 
               10:57a 
               346 SCOR020_CPY.TXT 
             
             
               01/29/01 
               10:41a 
               76,854 SCOR021_CBL.TXT 
             
             
               01/29/01 
               10:57a 
               346 SCOR021_CPY.TXT 
             
             
               01/29/01 
               10:41a 
               62,279 SCOR022_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               82,063 SCOR023_CBL.TXT 
             
             
               01/29/01 
               10:57a 
               340 SCOR023_CPY.TXT 
             
             
               01/29/01 
               12:36p 
               49,752 SCOR024_CBL.TXT 
             
             
               01/29/01 
               10:57a 
               348 SCOR024_CPY.TXT 
             
             
               01/29/01 
               10:41a 
               126,300 SCOR025_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               75,975 SCOR028_CBL.TXT 
             
             
               01/29/01 
               10:58a 
               349 SCOR028_CPY.TXT 
             
             
               01/29/01 
               10:41a 
               47,512 SCOR029_CBL.TXT 
             
             
               01/29/01 
               12:36p 
               47,734 SCOR033_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               120,091 SCOR050_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               118,238 SCOR051_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               194,847 SCOR052_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               249,802 SCOR053_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               113,857 SC0R054_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               122,912 SCOR055_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               144,769 SCOR056_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               145,415 SCOR057_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               154,295 SCOR058_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               128,384 SCOR059_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               18,359 SCOR099_CBL.TXT 
             
           
        
         
             
               Directory of D:\M-9381 US\LIB 
             
           
        
         
             
               01/31/01 
               03:27p 
               &lt;DIR&gt; 
               . 
             
             
               01/31/01 
               03:31p 
               &lt;DIR&gt; 
               .. 
             
           
        
         
             
               02/13/96 
               12:46p 
               514 CPY001_CPY.TXT 
             
             
               11/23/00 
               04:59p 
               270 Cpy000_CPY.TXT 
             
             
               01/29/01 
               04:51p 
               3,444 Cpy002_CPY.TXT 
             
             
               01/29/01 
               04:51p 
               5,685 Cpy003_CPY.TXT 
             
             
               09/30/98 
               04:02p 
               4,059 Cpy004_CPY.TXT 
             
             
               09/30/98 
               03:43p 
               4,799 Cpy005_CPY.TXT 
             
             
               10/06/00 
               02:21p 
               10,347 Libcdecb_CPY.TXT 
             
             
               01/12/01 
               04:05p 
               16,444 cpyinv_CPY.TXT 
             
             
               01/12/01 
               04:05p 
               786,094 libmsgcb_CPY.TXT 
             
             
               01/12/01 
               04:05p 
               61,640 libreccb_CPY.TXT 
             
             
               01/12/01 
               04:05p 
               54,510 libwstcb_CPY.TXT 
             
           
        
         
             
               Directory of D:\M-9381 US\LXN 
             
           
        
         
             
               01/31/01 
               03:27p 
               &lt;DIR&gt; 
               . 
             
             
               01/31/01 
               03:31p 
               &lt;DIR&gt; 
               .. 
             
           
        
         
             
               01/29/01 
               10:37a 
               46,085 LX0A463_CBL.TXT 
             
             
               01/29/01 
               10:37a 
               150,845 LX1A305_CBL.TXT 
             
             
               01/29/01 
               10:37a 
               150,845 LX1A309_CBL.TXT 
             
             
               01/29/01 
               10:37a 
               127,563 LX1E029_CBL.TXT 
             
             
               01/29/01 
               10:37a 
               127,917 LX1E401_CBL.TXT 
             
             
               01/29/01 
               10:37a 
               138,405 LX1E404_CBL.TXT 
             
             
               01/29/01 
               10:37a 
               56,995 LX1E405_CBL.TXT 
             
             
               01/29/01 
               10:37a 
               137,114 LX1E406_CBL.TXT 
             
             
               01/29/01 
               10:37a 
               24,698 LX1E407_CBL.TXT 
             
             
               01/29/01 
               10:37a 
               269,840 LX1E411_CBL.TXT 
             
             
               01/29/01 
               10:37a 
               33,630 LX1E440_CBL.TXT 
             
             
               01/29/01 
               10:37a 
               48,859 LX1E441_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               36,024 LX1E442_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               36,868 LX1E443_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               23,375 LX1E444_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               165,404 LX1E445_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               35,602 LX1E463_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               45,930 LX1R404_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               23,260 LX1R409_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               43,432 LX1R445_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               21,443 LX2A305_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               21,443 LX2A309_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               81,672 LX2E029_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               81,527 LX2E401_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               97,096 LX2E404_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               38,786 LX2E405_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               89,480 LX2E406_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               24,608 LX2E407_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               165,091 LX2E411_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               24,187 LX2E440_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               73,667 LX2E441_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               27,125 LX2E442_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               26,856 LX2E443_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               20,100 LX2E444_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               110,268 LX2E445_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               26,421 LX2E463_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               22,323 LX3A305_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               22,323 LX3A309 CBL.TXT 
             
             
               01/29/01 
               10:38a 
               29,944 LX4A305_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               29,944 LX4A309_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               19,684 LX5A305_CBL.TXT 
             
             
               01/29/01 
               10:38a 
               19,684 LX5A309_CBL.TXT 
             
           
        
         
             
               Directory of D:\M-9381 US\MFS 
             
           
        
         
             
               01/31/01 
               03:28p 
               &lt;DIR&gt; 
               . 
             
             
               01/31/01 
               03:31p 
               &lt;DIR&gt; 
               .. 
             
           
        
         
             
               01/29/01 
               10:41a 
               222 ZABEND1_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               6,631 ZCALLSV_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               1,077 ZCBLERR_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               4,857 ZCONECT_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               5,291 ZCRERPT_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               276 ZDEBUG1_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               393 ZDEBUG2_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               1,728 ZDISCON_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               1,041 ZGETTXT_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               6,932 ZINIINP_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               891 ZINTJUL_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               2,153 ZINTTME_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               829 ZJULDAY_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               624 ZJULDYN_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               1,479 ZJULSTM_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               1,562 ZJULTME_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               5,953 ZLEVENT_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               698 ZOLE001_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               1,691 ZOLE002_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               696 ZOLE100_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               696 ZOLE101_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               696 ZOLE102_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               696 ZOLE103_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               696 ZOLE104_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               696 ZOLE105_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               696 ZOLE106_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               696 ZOLE107_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               696 ZOLE108_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               696 ZOLE109_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               133,143 ZPREPRC_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               1,772 ZSQLERR_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               1,198 ZTIME01_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               1,769 ZTJULDY_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               2,111 ZTMFTRN_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               1,090 ZTRG001_CBL.TXT 
             
             
               01/29/01 
               10:41a 
               492 ZTRG002_CBL.TXT 
             
           
        
         
             
               Directory of D:\M-9381 US\MSC 
             
           
        
         
             
               01/31/01 
               03:30p 
               &lt;DIR&gt; 
               . 
             
             
               01/31/01 
               03:31p 
               &lt;DIR&gt; 
               .. 
             
           
        
         
             
               01/29/01 
               12:25p 
               53,642 BMSC201_CBL.TXT 
             
             
               01/29/01 
               12:25p 
               130,025 BMSC230_CBL.TXT 
             
             
               01/29/01 
               10:59a 
               977 BMSC230_CPY.TXT 
             
             
               01/29/01 
               12:25p 
               133,301 BMSC262_CBL.TXT 
             
             
               01/29/01 
               10:59a 
               982 BMSC262_CPY.TXT 
             
             
               01/29/01 
               01:35p 
               113,486 BMSC263_CBL.TXT 
             
             
               01/29/01 
               10:59a 
               330 BMSC263_CPY.TXT 
             
             
               01/29/01 
               12:25p 
               154,552 BMSC267_CBL.TXT 
             
             
               01/29/01 
               10:59a 
               1,308 BMSC267_CPY.TXT 
             
             
               01/29/01 
               12:25p 
               134,918 BMSC275_CBL.TXT 
             
             
               01/29/01 
               10:59a 
               977 BMSC275_CPY.TXT 
             
             
               01/29/01 
               12:26p 
               153,076 BMSC276_CBL.TXT 
             
             
               01/29/01 
               10:59a 
               1,305 BMSC276_CPY.TXT 
             
             
               01/29/01 
               12:26p 
               106,890 BMSC300_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               330 BMSC300_CPY.TXT 
             
             
               01/29/01 
               12:26p 
               104,861 BMSC301_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               330 BMSC301_CPY.TXT 
             
             
               01/29/01 
               12:37p 
               171,201 BMSC350_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               330 BMSC350_CPY.TXT 
             
             
               01/29/01 
               12:26p 
               128,125 BMSC351_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               330 BMSC351_CPY.TXT 
             
             
               01/29/01 
               12:26p 
               132,623 BMSC352_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               979 BMSC352_CPY.TXT 
             
             
               01/29/01 
               12:26p 
               375,914 BMSC359_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               2,271 BMSC359_CPY.TXT 
             
             
               01/29/01 
               12:43p 
               171,267 BMSC360_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               330 BMSC360_CPY.TXT 
             
             
               01/29/01 
               12:43p 
               143,913 BMSC370_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               330 BMSC370_CPY.TXT 
             
             
               01/29/01 
               12:27p 
               130,614 BMSC373_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               330 BMSC373_CPY.TXT 
             
             
               01/29/01 
               12:27p 
               109,484 BMSC375_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               330 BMSC375_CPY.TXT 
             
             
               01/29/01 
               12:27p 
               109,876 BMSC376_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               330 BMSC376_CPY.TXT 
             
             
               01/29/01 
               12:27p 
               131,522 BMSC382_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               330 BMSC382_CPY.TXT 
             
             
               01/29/01 
               12:27p 
               134,514 BMSC383_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               330 BMSC383_CPY.TXT 
             
             
               01/29/01 
               12:27p 
               124,580 BMSC385_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               1,300 BMSC385_CPY.TXT 
             
             
               01/29/01 
               12:27p 
               124,591 BMSC394_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               330 BMSC394_CPY.TXT 
             
             
               01/29/01 
               12:15p 
               130,966 BMSC398_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               330 BMSC398_CPY.TXT 
             
             
               01/29/01 
               12:44p 
               124,467 BMSC518_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               330 BMSC518_CPY.TXT 
             
             
               01/29/01 
               12:44p 
               111,287 BMSC592_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               330 BMSC592_CPY.TXT 
             
             
               01/29/01 
               12:44p 
               193,976 BMSC602_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               1,302 BMSC602_CPY.TXT 
             
             
               01/29/01 
               12:44p 
               130,254 BMSC603_CBL.TXT 
             
             
               01/29/01 
               11:00a 
               330 BMSC603_CPY.TXT 
             
             
               01/29/01 
               12:14p 
               138,846 BMSC604_CBL.TXT 
             
             
               01/29/01 
               11:01a 
               330 BMSC604_CPY.TXT 
             
             
               01/29/01 
               12:28p 
               117,263 BMSC605_CBL.TXT 
             
             
               01/29/01 
               11:01a 
               330 BMSC605_CPY.TXT 
             
             
               01/29/01 
               12:27p 
               328,668 BMSC606_CBL.TXT 
             
             
               01/29/01 
               11:01a 
               330 BMSC606_CPY.TXT 
             
             
               01/29/01 
               12:15p 
               101,418 BMSC607_CBL.TXT 
             
             
               01/29/01 
               11:01a 
               330 BMSC607_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               73,803 IMSC301_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               46,777 IMSC301_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               23,449 IMSC302_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               8,159 IMSC302_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               30,221 IMSC303_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               14,128 IMSC303_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               62,937 IMSC304_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               40,417 IMSC304_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               35,204 IMSC305_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               18,042 IMSC305_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               42,240 IMSC306_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               27,845 IMSC306_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               54,964 IMSC308_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               36,148 IMSC308_CPY.TXT 
             
             
               01/29/01 
               10:39a 
               61,996 IMSC310_CBL.TXT 
             
             
               01/29/01 
               10:53a 
               40,517 IMSC310_CPY.TXT 
             
             
               01/29/01 
               04:44p 
               359,347 LMSC305_CBL.TXT 
             
             
               01/29/01 
               04:44p 
               359,429 LMSC309_CBL.TXT 
             
             
               01/29/01 
               04:52p 
               210,026 LMSC350_CBL.TXT 
             
             
               01/29/01 
               12:46p 
               114,054 LMSC351_CBL.TXT 
             
             
               01/29/01 
               10:47a 
               2,610 LMSC351_CPY.TXT 
             
             
               01/29/01 
               01:37p 
               101,195 LMSC360_CBL.TXT 
             
             
               01/29/01 
               12:37p 
               168,284 LMSC600_CBL.TXT 
             
             
               01/29/01 
               04:44p 
               23,909 LMSC602_CBL.TXT 
             
             
               01/29/01 
               12:37p 
               28,016 LMSC603_CBL.TXT 
             
             
               01/29/01 
               12:38p 
               33,163 LMSC604_CBL.TXT 
             
             
               01/29/01 
               12:38p 
               22,464 LMSC605_CBL.TXT 
             
             
               01/29/01 
               12:38p 
               21,301 LMSC606_CBL.TXT 
             
             
               01/29/01 
               12:38p 
               144,338 LMSC607_CBL.TXT 
             
             
               01/29/01 
               04:44p 
               111,911 RMSC301m.TXT 
             
             
               01/29/01 
               04:44p 
               47,627 RMSC302m.TXT 
             
             
               01/29/01 
               04:44p 
               65,115 RMSC303m.TXT 
             
             
               01/29/01 
               04:44p 
               88,736 RMSC304m.TXT 
             
             
               01/29/01 
               04:35p 
               59,224 RMSC305m.TXT 
             
             
               01/29/01 
               04:44p 
               68,814 RMSC306m.TXT 
             
             
               01/29/01 
               04:44p 
               97,072 RMSC308m.TXT 
             
             
               01/29/01 
               12:38p 
               223,681 SMSC301_CBL.TXT 
             
             
               01/29/01 
               10:58a 
               675 SMSC301_CPY.TXT 
             
             
               01/29/01 
               12:38p 
               89,057 SMSC302_CBL.TXT 
             
             
               01/29/01 
               10:58a 
               675 SMSC302_CPY.TXT 
             
             
               01/29/01 
               04:44p 
               129,411 SMSC303_CBL.TXT 
             
             
               01/29/01 
               12:38p 
               250,088 SMSC304_CBL.TXT 
             
             
               01/29/01 
               10:59a 
               672 SMSC304_CPY.TXT 
             
             
               01/29/01 
               04:44p 
               57,109 SMSC305_CBL.TXT 
             
             
               01/29/01 
               12:38p 
               197,292 SMSC306_CBL.TXT 
             
             
               01/29/01 
               12:38p 
               284,622 SMSC308_CBL.TXT 
             
             
               01/29/01 
               10:59a 
               1,641 SMSC308_CPY.TXT 
             
             
               01/29/01 
               04:44p 
               57,109 SMSC309_CBL.TXT 
             
             
               01/29/01 
               12:38p 
               147,371 SMSC310_CBL.TXT 
             
             
               01/29/01 
               10:59a 
               996 SMSC310_CPY.TXT 
             
           
        
         
             
               Directory of D:\M-9381 US\SCRIPTS 
             
           
        
         
             
               01/31/01 
               03:30p 
               &lt;DIR&gt; 
               . 
             
             
               01/31/01 
               03:31p 
               &lt;DIR&gt; 
               .. 
             
           
        
         
             
               11/28/00 
               11:44a 
               14,383 Fstdev_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               275,599 LNT_DEMO_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               83,059 LNT_OPS_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               67,790 LNT_USER_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               149,283 Lnt_advanced_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               280,531 Lnt_regntest_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               46,957 Lnt_security_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               285,104 Lnt_super_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               15,897 NSK_OPS_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               9,682 NSK_USER_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               35,944 Nsk_advanced_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               53,921 Nsk_regntest_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               4,024 Nsk_security_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               56,196 Nsk_super_SCP.TXT 
             
             
               10/24/00 
               08:24a 
               43,345 Pccase_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               85,214 RNT_OPS_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               69,866 RNT_USER_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               151,510 Rnt_advanced_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               282,853 Rnt_regntest_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               49,010 Rnt_security_SCP.TXT 
             
             
               01/29/01 
               10:35a 
               287,425 Rnt_super_SCP.TXT 
             
           
        
         
             
               Directory of D:\M-9381 US\SQL 
             
           
        
         
             
               01/31/01 
               03:31p 
               &lt;DIR&gt; 
               . 
             
             
               01/31/01 
               03:31p 
               &lt;DIR&gt; 
               .. 
             
           
        
         
             
               11/24/00 
               06:24p 
               3,616 Currency_Ref_Integ_Check_Execs_sql.txt 
             
             
               05/13/99 
               05:12p 
               993 Relate_Markets_To_Std_PriceHdrs_sql.txt 
             
             
               05/13/99 
               02:38p 
               2,297 Service_Ref_Integ_Check_Execs_sql.txt 
             
             
               12/22/00 
               10:18a 
               114,758 create_all_procs_sql.txt 
             
             
               01/11/01 
               03:57p 
               302,536 create_all_tables_sql.txt 
             
           
        
         
             
               Directory of D:\M-9381 US\WEBAPP 
             
           
        
         
             
               01/31/01 
               03:35p 
               &lt;DIR&gt; 
               . 
             
             
               01/31/01 
               03:31p 
               &lt;DIR&gt; 
               .. 
             
             
               01/31/01 
               03:33p 
               &lt;DIR&gt; 
               FUNCS 
             
           
        
         
             
               04/30/99 
               05:38p 
               1,582 Fstgwy_asp.txt 
             
           
        
         
             
               01/31/01 
               03:33p 
               &lt;DIR&gt; 
               GENERAL 
             
           
        
         
             
               06/13/00 
               01:33p 
               972 Index_htm.txt 
             
           
        
         
             
               01/31/01 
               03:33p 
               &lt;DIR&gt; 
               SCRIPTS 
             
             
               01/31/01 
               03:34p 
               &lt;DIR&gt; 
               SCRNS 
             
             
               01/31/01 
               03:35p 
               &lt;DIR&gt; 
               STYLES 
             
           
        
         
             
               Directory of D:\M-9381 US\WEBAPP\FUNCS 
             
           
        
         
             
               01/31/01 
               03:33p 
               &lt;DIR&gt; 
               . 
             
             
               01/31/01 
               03:35p 
               &lt;DIR&gt; 
               .. 
             
           
        
         
             
               01/29/01 
               11:20a 
               836 FUNC001_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               966 FUNC012_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               845 FUNC014_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               955 FUNC016_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               955 FUNC017_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               855 FUNC019_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               958 FUNC020_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               964 FUNC022_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               951 FUNC023_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               961 FUNC024_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               954 FUNC025_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               962 FUNC026_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               960 FUNC028_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               963 FUNC050_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               859 FUNC053_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               969 FUNC054_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               843 FUNC055_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               854 FUNC056_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               966 FUNC057_ASP.TXT 
             
             
               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
               964 FUNC076_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               974 FUNC077_ASP.TXT 
             
             
               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
               976 FUNC079_ASP.TXT 
             
             
               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
               960 FUNC104_ASP.TXT 
             
             
               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
               953 FUNC117_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               852 FUNC118_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               964 FUNC121_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               970 FUNC122_ASP.TXT 
             
             
               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
               961 FUNC124_ASP.TXT 
             
             
               01/29/01 
               11:20a 
               959 FUNC126_ASP.TXT 
             
             
               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
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               11:20a 
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               01/29/01 
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               01/29/01 
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               11:20a 
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               11:20a 
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               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
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               01/29/01 
               11:20a 
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   The contents of the compact disk are a part of the present disclosure, and are incorporated by reference herein in their entireties. 
   COPYRIGHT NOTICE 
   A portion of the disclosure of this patent document contains material that is subject to copyright protection. The copyright owner has no objection to the facsimile reproduction by anyone of the patent document or the patent disclosure as it appears in the Patent and Trademark Office patent file or records, but otherwise reserves all copyright rights whatsoever. 
   BACKGROUND 
   1. Field 
   The present invention relates generally to pricing systems and, in particular, to a system and method of real-time pricing. 
   2. Description of the Related Art 
   Many products and services are commodities that are sold in very competitive markets. New competition can also come, for example, from product and service improvements, new products, new services, lower prices, new technology, the use of the Internet, mergers, and acquisitions. Pricing is often a major factor in a customer&#39;s decision as to what product or service to purchase or use. In many markets, the capability to manage pricing strategies better than the competition can be the competitive advantage that is needed to succeed in the competitive market. 
   Many different pricing strategies have been developed by companies to gain a competitive advantage over the competition. One such strategy employed by companies is “volume discounting.” Companies provide volume discounts to influence consumers to purchase its products and services. Volume discounting affords the benefits of a large number or quantity of purchases, typically within a set period of time (e.g., a billing cycle). A consumer benefits from his or her prior purchases in that all the purchases in a billing cycle are considered in applying the volume discount. 
   Because the total volume of products or services purchased by a consumer is not known until the end of a billing cycle, the volume discount, and as a result, the actual price of the product or service as it applies to the consumer, cannot be determined until the end of a billing cycle. Thus, even though pricing may be a major or deciding factor in a consumer&#39;s decision, currently, the benefit afforded by volume discounting is determined at the end of a billing cycle. At the time the consumer considers making a product or service purchase, the consumer is provided a price that fails to account for volume discounting and, as a result, is likely higher than the price the consumer might end up paying. 
   Thus, the consumer is likely to base his or her purchasing decision on an incorrect price, such as, by way of example, a unit price (e.g., a price that does not take into consideration volume discounting). A company can benefit greatly by being able to provide a price that is closer to the actual price the consumer is likely to pay after accounting for the volume discounts, especially if it is a lower price. Therefore, what is needed is an infrastructure that enables a company to manage its pricing strategies and to provide a price that is more indicative of the price the consumer will ultimately pay. 
   SUMMARY 
   The present disclosure is directed to a system and corresponding methods that facilitate the calculation of a real-time price for a transaction during a billing cycle that accounts for volume discounts resulting from transactions that occurred previously during the billing cycle. A data processing system maintains a record of the transactions that occur during a billing cycle. The data processing system then calculates a real-time price quote for the transaction by applying volume discounts resulting from the transactions that previously occurred during the billing cycle. 
   For purposes of summarizing the invention, certain aspects, advantages, and novel features of the invention have been described herein. It is to be understood that not necessarily all such advantages may be achieved in accordance with any one particular embodiment of the invention. Thus, the invention may be embodied or carried out in a manner that achieves or optimizes one advantage or group of advantages as taught herein without necessarily achieving other advantages as may be taught or suggested herein. 
   In one embodiment, a method for pricing transactions in real-time includes: receiving a request for a real-time price quote for a transaction from a first account, the request being received at a first instance in time during a billing cycle; determining a first production service, the first production service being a component of the transaction; determining a count of first production service instances representing the first production service in the received transaction; determining a billable entity for the transaction, the billable entity comprising one or more related accounts, wherein the related accounts includes the first account; determining a total of the first production service instances purchased by the related accounts during the billing cycle up to the first instance in time, the total including the count of the first production service instances in the received transaction; determining a price applicable to the total of the first production service instances based on a pricing method; and apportioning the price to the received transaction based on the count of the first production service instance in the received transaction. 
   In another embodiment, a method for real-time pricing includes: receiving a request for a real-time price quote for a transaction, the request being received at a first instance in time during a billing cycle, wherein the transaction comprises a number of first production service instances, each first production service instance representing a first production service; determining a total count of production service instances consumed during the billing cycle up to the first instance in time based on a pricing relationship; determining a billing service appropriate for the first production service; calculating a price for the first production service from a price table based on a first attribute for the billing service and the total count of production service instances consumed; and apportioning the price to the received transaction based on the number of first production service instances in the transaction. 
   In still another embodiment, a computer-readable storage medium has stored thereon computer instructions that, when executed by a computer, cause the computer to: receive a request for a real-time price quote for a transaction, the request being received at a first instance in time during a billing cycle, wherein the transaction comprises a number of first production service instances, each instance representing a first production service; determine a total count of production service instances consumed during the billing cycle up to the first instance in time based on a pricing relationship; determine a billing service appropriate for the first production service; calculate a price for the first production service from a price table based on a first attribute for the billing service and the total count of production service instances consumed; and apportion the price to the received transaction based on the number of first production service instances in the transaction. 
   These and other embodiments of the present invention will also become readily apparent to those skilled in the art from the following detailed description of the embodiments having reference to the attached figures, the invention not being limited to any particular embodiment(s) disclosed. 

   
     BRIEF DESCRIPTION OF THE DRAWINGS 
       FIG. 1  illustrates a flow chart of an exemplary method for calculating a real-time price with volume discounting. 
       FIG. 2  illustrates a flow chart of an exemplary method for calculating a variance to a real-time price with volume discounting. 
   

   DETAILED DESCRIPTION 
   According to this invention, certain limitations imposed by conventional pricing systems have been overcome. 
   A data processing system and corresponding methods, according to an embodiment of the present invention, facilitates a real-time pricing of a transaction with volume discounting. “Transaction” here generally refers to a product or service that is offered by a provider (e.g., manufacturer, retailer, wholesaler, distributor, service provider, etc.) for consumption by one or more consumers. In one embodiment, the provider may be the operator of the data processing system. In another embodiment, the provider may purchase the services offered by the data processing system as disclosed herein from the operator or administrator of the data processing system (e.g., the provider of the transaction is different from the provider of the data processing system services). 
   In one embodiment, the data processing system receives during a billing cycle a request for a real-time price quote for a transaction from, for example, an account. The account may be a consumer of the transaction. The billing cycle specifies a time duration (e.g., day, week, month, quarter, year), at the end of which the account is billed for the transactions consumed or purchased during the billing cycle. 
   The data processing system analyzes the transaction to determine the transaction&#39;s various components. The transaction provider may define the components of the transaction. The conversion of the transaction into its components allows the transaction provider to determine the cost of the transaction, in component parts, which in turn, enable the transaction provider to determine an appropriate price for the transaction. A suitable database system for implementing the transaction analysis in accordance with the present invention is described in U.S. Pat. No. 6,052,672, entitled “DATA PROCESSING SYSTEM FOR COMPLEX PRICING AND TRANSACTIONAL ANALYSIS,” which is hereby incorporated by reference in its entirety. However, other database systems can be used to implement a data processing system using the principles described herein. 
   In one embodiment, the data processing system calculates a real-time price for the transaction during a billing cycle as if it was the end of the billing cycle. The data processing system breaks down the transaction into its component parts. The component parts are then priced by applying a volume discount applicable to each component to determine a real-time price for each component. The data processing system then totals the real-time price of the components to determine the real-time price of the transaction. 
   The volume discount for a component may result from pricing relationships between parties (e.g., relationships between a number of components, accounts, customers, etc.) and the prior purchases of the component during the billing cycle up to this time by the parties in the pricing relationship. The data processing system applies the volume discount applicable to a component to determine the price of the component. Thus, the data processing system applies all the relationship pricing and volume discounting known during the billing cycle up to the time when it received the request for quote to determine the real-time price of the transaction. 
   In another embodiment, the data processing system calculates a variance to the real-time transaction price. At the end of the billing cycle, the data processing system calculates a price for each transaction purchased during the billing cycle. In one embodiment, the data processing system calculates a price for the transaction by determining a price for each component of a transaction in the manner outlined above. This price is then compared to the real-time price quoted during the billing cycle (e.g., at the time the request for real-time price quote is received). If there is a variance or difference between the two prices, the data processing system may make or report adjustments as necessary. For example, there may have been subsequent purchases of a component of the transaction after the time of providing the real-time price quote. The subsequent purchases of the component may result in a larger volume discount, which, in turn, causes a variance in price (e.g., results in a lower price for the transaction). 
   Even though this invention is suitable to providing real-time pricing of various products and services in many industries (e.g., financial services, internet services, telecommunication services, etc.), the invention will be further disclosed in the context of the data processing system providing real-time pricing with volume discounting of financial products offered by a financial services company (FSC), such as, retail bank, wholesale bank, corporate bank, and investment bank. 
   Embodiments of the present invention are understood by referring to  FIGS. 1-2  of the drawings. Throughout the drawings, components that correspond to components shown in previous figures are indicated using the same reference numbers. 
   The detailed description that follows is presented in terms of processes and symbolic representations of operations performed by conventional computers. 
   Transaction Overview 
   A transaction instance (e.g., financial transaction instance) takes place when a FSC provides a financial service and when a client or consumer purchases or consumes the financial service. For example, an FSC may provide one or more financial services that are bundled together and offered to clients as financial transactions. Examples of financial transactions are checking accounts, cash management accounts, mortgages, funds transfers, safe deposit boxes, and the like. 
   In one embodiment, an FSC can use the data processing system to provide a real-time pricing of one or more financial transactions. Each financial transaction is defined in the data processing system in its component parts called production services. Thus, a financial transaction is related to the production services that map to or make up the financial transaction. The production services defining a particular financial transaction are the individual actions that the FSC performs or that the FSC wishes to account for in performing or processing the financial transaction. Production services for a financial transaction may include, by way of example, debit from an account, credit to an account, over draft approval, and computer connection. Production services are akin to a bill of materials for a manufacturer in that each transaction can be defined by the production services that are required to build or provide that transaction. 
   For clarity, the language of U.S. Pat. No. 6,052,672 is used herein. In particular, to distinguish an actual occurrence of a financial transaction performed by an FSC from a representation of the financial transaction in the data processing system, the actual occurrence of the financial transaction will be referred to as a financial transaction instance. Similarly, a production service instance is the representation of an actual occurrence of a specific production service performed by the FSC. 
   A production service is further defined in the data processing system in its component parts called billing or billable services. Billing services and billable service are used interchangeably herein. The billable services are related to activities having a cost or price, enabling the FSC to determine the cost of providing the financial transaction and the fees or prices the FSC is going to derive, earn, or charge the consumer (e.g., account) of the transaction. In one embodiment, the billable services are what appear on an accounting statement sent to the consumer. Thus, the consumer is informed of the transactions consumed, the related production services consumed, the related billable services consumed, and the price charged for each of the billable services. 
   A billable service may be mapped to one or more price tables in the data processing system. The cost and/or price associated with a billable service is recorded in a price table. The price table includes pricing rules for the associated billable service. 
   The data processing system maintains records for one or more billable entities. “Billable entity” here generally refers to a grouping of accounts for the purpose of applying volume discounting. Volume discounting may span the activity of the accounts within the billable entity. An account may be thought of as the consumer of the transaction. For example, a customer may actually be many companies or related companies that may be transacting with the FSC on one or more accounts. The billable entity is a composition of the accounts without regard to who the customers are, or whether one customer is involved or more than one customers are involved. Thus, volume discounting may span the activity of the accounts within a particular billable entity without regard to who the actual customers are or the number of customers involved in the billable entity. 
   In one embodiment, the data processing system provides for relationship pricing in conjunction with volume discounting. A pricing relationship may exist between a number of billable services, accounts, customers, and the like. For relationship pricing, the billable services, accounts, or customers in a relationship are factored in calculating a real-time price for a transaction. Relationship pricing in conjunction with volume discounting is an application of the volume discount based on the activities of the elements (i.e., billable services, accounts, customers) in a particular pricing relationship. 
   For example, as explained above, a group of accounts may be grouped together in a billable entity, creating a pricing relationship for the purposes of applying a volume discount. In another example, a group of billable services may be grouped together, creating a pricing relationship for the purposes of applying a volume discount. The volume discount is determined from the activity of the billable services within the group across all accounts in a particular billing entity. In still another example, a pricing relationship can exist for a group of accounts (e.g., not a complete billing entity) for a particular billable service. The volume discount is determined from the activity of the particular billing service across the group of accounts. 
   Billable services, pricing of billable services, pricing relationships, and relationship pricing is further described in U.S. Pat. No. 6,052,672. Pricing methods, including volume discounting is further described in the co-pending and commonly owned U.S. patent application Ser. No. 09/183/335 entitled “DATA PROCESSING SYSTEM FOR PRICING, COSTING AND BILLING OF FINANCIAL TRANSACTIONS.” 
   Method for Calculating a Real-Time Price with Volume Discounting 
   In one embodiment, the data processing system facilitates the calculation of a real-time price for a financial transaction with volume discounting at any time in a billing cycle. The data processing system contains data and program logic to receive a request to provide a real-time price quote for a financial transaction and calculates a real-time price that includes applicable volume discounts. The data processing system calculates the real-time price for the financial transaction irrespective of point in time within a particular billing cycle. The volume discounting is determined from pricing relationships provided by the data processing system. 
     FIG. 1  illustrates a flow chart of an exemplary method  100  for calculating a real-time price of a financial transaction with volume discounting. Beginning at a start step  102 , an FSC creates and defines the financial transactions and the mapping rules for the transactions, including the production services and the billing services, as maintained in the data processing system. The FSC also creates and defines the billing entities, accounts, pricing relationships, etc. maintained in the data processing system. 
   For example, the FSC defines a “wire transfer” as one financial transaction. The wire transfer is mapped to include three production services: “debit from account,” “credit to account,” and “overdraft protection.” Each of the production services is mapped to a respective billable service, and each billable service is respectively mapped to a price table. The FSC may create a billing entity to include four accounts: “Account A,” “Account B,” “Account C,” and “Account D.” Accounts A and B belong to Company ABC, and Accounts C and D belong to Company XYZ. The FSC sets a monthly billing cycle for the billing entity. 
   Furthermore, the FSC may agree to and create a pricing relationship for Accounts A, B, and C for the overdraft protection service. The pricing relationship entitles Accounts A, B, and C to the following volume discounting for the overdraft protection service: 
                                               Quantity 1 to 20   $4.00/each           Quantity 21 to 50   $3.00/each           Quantity 51 to 100   $2.00/each           Quantity 100+   $1.00/each                        
Thus, if the combined volume of overdraft protections used or purchased by the group of accounts in the pricing relationship (Accounts A, B, and C) exceed twenty, all the volume of overdraft protections purchased is priced at $3.00 each. Likewise, if the combined volume of overdraft protections purchased by the group of accounts in the pricing relationship exceed fifty or one hundred, all the volume of overdraft protections purchased is priced at $2.00 each or $1.00 each, respectively. Otherwise, the first twenty overdraft protections are priced at $4.00 each.
 
   At step  104 , the FSC receives a request for a real-time price quote for a financial transaction from a customer. Typically, the customer establishes one or more accounts with the FSC, and specifies a particular account in requesting the real-time quote for the financial transaction. In particular, the financial transaction data and the request for the real-time price quote is input into, and received by the data processing system. Continuing the wire transfer example, Company ABC, using Account A, may request a real-time price quote for a wire transfer. The request may have been submitted during a billing cycle, for example, the tenth day of the month. 
   At step  106 , the data processing system performs transaction analysis on the financial transaction to determine the associated production services. In the above example, the data processing system determines that the wire transfer maps to, and is associated with the debit from account, credit to account, and overdraft protection production services. 
   At step  108 , the data processing system determines if there is a production service to process or if it has processed all the production services. If there is a production service to process, the data processing system identifies the production service and determines the appropriate billable services associated with the identified production service at step  110 . A production service may map to one or more billable services. Continuing the above example, the data processing system may start by processing the overdraft protection production service (step  108 ). The data processing system then determines that the overdraft protection service maps to a single billable service (step  110 ). 
   At step  112 , the data processing system determines if there is a billable service to process. If all the billable services for the production service have been processed, the data processing system returns to step  108  to process the next production service. If there is a billable service to process, the data processing system identifies the billable service and determines the billing entity (i.e., billable entity) for the billable service at step  114 . Continuing the above example, the data processing system determines that for the overdraft protection service, it has to process the associated billable service (step  112 ) and that the billing entity includes Accounts A, B, C, and D (step  114 ). 
   At step  116 , the data processing system determines if there is a pricing relationship established for the billable service. Continuing the above example, the data processing system determines that a pricing relationship exists between Accounts A, B, and C for the overdraft protection service. Thus, for the billable service associated with the overdraft protection service requested by Account A, an applicable pricing relationship exists. 
   At step  118 , the data processing system determines the total count of the billable service consumed or purchased by the accounts in the pricing relationship. The data processing system maintains a record of the number of the number of billable service instances purchased by the accounts in the pricing relationship. Continuing the above example, the data processing system determines the number of billable service instances purchased by Accounts A, B, and C up to this point (i.e., tenth day) in the current billing cycle. For example, in this current billing cycle, a total of fifty overdraft protections may have been purchased (none by Account A, twenty by Account B, and thirty by Account C). Thus, the current overdraft protection would be the fifty-first purchased in the current billing cycle. 
   At step  120 , the data processing system calculates a price for the billable service from an associated price table based on the total number of billable service instances. The data processing system applies any applicable volume discount resulting from the billable service instances purchased by the accounts in the pricing relationship. Continuing the above example, the data processing system determines from the price table for the billable service associated with the overdraft protection service that the fifty-first overdraft protection instance purchased results in all the overdraft protection instances purchased by the group of accounts in the pricing relationship to be priced at $2.00 each. Thus, fifty-one overdraft protection instances is priced at a total price of $102.00. 
   At step  122 , the data processing system apportions the portion of the total price for the billable service instances to the current billable service being processed. Continuing the above example, the data processing system apportions a price of $2.00 ( 1/51 of the total price of $102.00) to the current billable service associated with the overdraft protection. Thus, the current billable service associated with the overdraft protection is priced at $2.00. Thus, Account A benefits from the billable service instances purchased by Accounts B and C. Company ABC (Account A) receives a volume discount as a result of purchases made by Company XYZ (Account C). The data processing system then returns to step  112  to continue processing the next billable service associated with the overdraft protection service. 
   The data processing system processes the other production services (i.e., debit from account and credit to account) associated with the financial transaction (i.e., wire transfer) in the manner described above. If, at step  108 , all the production services for the financial transaction have been processed, the data processing system calculates the real-time price quote for the requested financial transaction at step  124 . The financial transaction price is determined by summing the prices of the associated billable services. The data processing system provides the real-time price quote and ends at step  126 . 
   Those of ordinary skill in the art will appreciate that, for this and other methods disclosed herein, the functions performed in the exemplary flow charts may be implemented in differing order. Furthermore, steps outlined in the flow charts are only exemplary, and some of the steps may be optional, combined into fewer steps, or expanded into additional steps without detracting from the essence of the invention. 
   Method for Calculating a Variance to a Real-Time Price 
   In one embodiment, the data processing system recalculates the price for the financial transactions and the associated billable services at the end of the billing cycle to account for and accommodate changes that occurred during a billing cycle. The recalculation may result in a variance to the real-time price quoted and charged for a financial transaction to an account during the billing cycle. A variance to the price may result from reasons such as, by way of example, a change to a billing entity resulting in a change in applicable price table(s), a change to an allocation of an account to different departments or market segments resulting in a change in applicable price table(s), a new price becoming effective during a billing cycle, a change in a pricing relationship, additional financial transactions purchased during a billing cycle, and the like. The data processing system may report the variances between the real-time price and the end-of-billing cycle price to the FSC, for example, as either discounts or adjustments. 
     FIG. 2  illustrates a flow chart of an exemplary method  200  for calculating a variance to a real-time price with volume discounting. Beginning at a start step  202 , the data processing system identifies the financial transactions that occurred during the prior billing cycle. The data processing system may perform a transaction analysis for each financial transaction and determine the associated production services and billable services. 
   At step  204 , the data processing system performs an end-of-billing cycle pricing for each billable service instance that occurred during the just ended billing cycle. In particular, the data processing system, for each billable service instance, determines the account that purchased the billable service instance. The data processing system identifies any applicable pricing relationships for the account. For example, there may have been a change in the pricing relationship. Continuing the above wire transfer example, the pricing relationship may have been changed during the billing cycle to include Account D, and Account D may have purchased forty overdraft protections during the billing cycle. 
   The data processing system determines an end-of-billing cycle count of the total number of billable service instances purchased by the accounts during the recently ended billing cycle. Continuing the above wire transfer example, between the tenth day of the billing cycle and the end of the billing cycle, Account A may have purchased an additional nine-teen overdraft protection services, for a total of twenty, at a price of $2.00 each. Thus, the accounts in the pricing relationship at the end of the billing cycle (Accounts A, B, C, and D) purchased a total of one hundred and ten overdraft protection services (twenty by Account A, twenty by Account B, thirty by Account C, and forty by Account D). 
   At step  206 , the data processing system calculates an end-of-billing cycle price for the billable service instances purchased during the billing cycle from the associated price table based on the end-of-billing cycle count. Continuing the above example, the data processing system determines from the price table that at a volume of one hundred and ten overdraft protection services, all the overdraft protection instances purchased by the accounts in the pricing relationship should be charged $1.00 each. Thus, the one hundred and ten overdraft protection instances is priced at a total of $110.00. 
   At step  208 , the data processing system modifies the price apportioned to the billable service based on the end-of-billing cycle price. The data processing system calculates the variance between the real-time price quoted and charged for each billable service instance and the end-of-billing cycle price for the billable service instance. Continuing the above example, the data processing system determines that Account A was charged a total price of $40.00 ($2.00 for each overdraft protection service) for the twenty overdraft protection service instances purchased during the billing cycle. The data processing system calculates the end-of-billing cycle price for the twenty overdraft protection service instances purchased by Account A to be $20.00 ($1.00 for each overdraft protection service). Thus, there is a variance of $20.00 for the twenty overdraft protections service instances purchased by Account A. 
   The data processing system calculates the variance for the remaining billable services and ends at step  210 . In one embodiment, the data processing system generates a report to the FSC to report the end-of-billing cycle pricing. The report may include the calculated variances for each billable service, financial transaction, account, billing entity, etc. Thus, the data processing system efficiently adjusts to and incorporated changes to the billing parameters that occur during a billing cycle. 
   In one embodiment, a price variance may result from a change to an allocation of an account to a different department or market segment. This may result in a change to one or more applicable price tables for a billable service. The change the applicable price tables may affect the volume discount calculation and any applicable exception pricing calculation. Implementation of exception pricing is described in U.S. Pat. No. 6,052,672. 
   As described herein, the present invention in at least one embodiment facilitates a real-time pricing of a financial transaction during a billing cycle that accounts for applicable volume discounts. One embodiment of the present invention provides a data processing system that receives and processes a request to provide a real-time price quote for a financial transaction. The data processing system maintains a record of the billable service instances purchased during the billing cycle, and is able to account for applicable volume discounts in calculating a real-time price quote for the financial transaction at any instance in time during the billing cycle. 
   In at least one embodiment, the data processing system maintains a record of one or more pricing relationships. A pricing relationship may include one or more accounts, one or more services, or a combination or one or more accounts and services. The data processing system maintains a record of the billable service instances purchased by the accounts in an applicable pricing relationship, and is able to account for the applicable volume discounts resulting from the pricing relationship in calculating a real-time price quote for the financial transaction during the billing cycle. 
   In at least one embodiment, the data processing system performs an end-of-billing period price calculation to identify variances to the real-time price quotes generated during the billing cycle. The calculated variances are reported to the FSC as discounts or adjustments to the price of the financial transactions. The data processing system permits changes to be made during a billing cycle, and the changes are reflected in the previously calculated and quoted real-time prices. 
   This invention may be provided in other specific forms and embodiments without departing from the essential characteristics as described herein. The embodiments described above are to be considered in all aspects as illustrative only and not restrictive in any manner. The following claims rather than the foregoing description indicate the scope of the invention.