Patent ID: 8204806

Claim:
A method enabling the transaction of business between a customer and a host processing system, wherein a computer network is operatively coupled to a web server which in turn is operatively coupled to the host processing system, comprising: receiving personal information relating to the customer at a middleware tier comprising at least one transaction and database server, wherein said middleware tier includes hardware operatively coupled to said host processing system and to said web server; determining, at said middleware tier, that said host processing system is unavailable; determining, at said middleware tier when said host processing system is unavailable, an available account number from an inventory of precreated accounts; associating said personal information with said available account number to create an electronic record; storing said electronic record in a temporary repository of the middleware tier to establish within said temporary repository an electronic account relating to said customer; receiving database transaction instructions from said customer relating to said electronic account at the middleware tier, wherein one of the database transaction instructions includes funding said electronic account; validating, verifying, and amending bank account information associated with said electronic account to conform with business rules using a rules engine on the middleware tier when the host processing system is unavailable; utilizing said electronic account by executing said database transaction instructions at the middleware tier to perform a financial transaction; creating a log of executed database transactions associated with said electronic account; determining that said host processing system is available; retrieving said electronic account from said temporary repository; and copying said electronic account and said log of executed database transactions to said host processing system.