Patent ID: 8745166

Claim:
A gateway service system for providing services related to an account held by a user, the system comprising: a gateway tier configured to communicate with devices over one or more open networks, wherein the devices are configured to communicate with the gateway tier before communicating with an acquirer; and two or more service systems, wherein the two or more service systems are communicatively coupled to the gateway tier, wherein the two or more service systems are configured to communicate with devices over the one or more open networks via the gateway tier, wherein the two or more service systems are configured to communicate with a payment processing system, wherein the two or more service systems are configured to provide a plurality of services related to the account held by the user, wherein each of the two or more service systems further comprises an application tier and is configured to communicate with a shared database tier that is being shared amongst the two or more service systems, wherein each of the application tiers contain modules used to provide one or more services related to the account held by the user, and wherein the shared database tier stores information used to provide the one or more services related to the account held by the user, and wherein the two or more service systems are grouped into one or more service system groupings and wherein the one or more service system groupings are determined according to the one or more open networks used to connect the devices to the gateway tier and the devices used to connect to the gateway tier, wherein the one or more service system groupings include web services, terminal services, and mobile services; wherein the plurality of services are provided to users using devices connected to the one or more open networks.