Patent ID: 6856970

Claim:
A financial transaction system comprising: at least one financial institution transaction processing system; at least one hub server operable to transmit data to and receive data from said financial institution transaction processing system; at least one web server operable to transmit data to and receive data from at least one user via an open network, said web server operable to transmit data to and receive data from said hub server; at least one database server operable to transmit data to and receive data from said hub server and said web server, said database server capable of storing data in a hub database; said hub server operable to map data received from said financial institution into mapped data and load said mapped data onto said hub database; said web server operable to: receive said mapped data from said hub database; transmit said mapped data onto said user over the open network; receive a financial transaction message from said user over the open network, the financial transaction message relating to said mapped data conforming to one of a plurality of transaction type profiles; select a unified transaction format based on the transaction type profile of the transaction; generate a unified transaction message by converting the transaction message to the unified transaction format; provide the unified transaction message to the database server for storage in the hub database and to the hub server for delivery to the financial institution transaction processing system; said hub server further operable to: look up a financial institution transaction format associated with both the transaction type profile and the financial institution processing; reformat the unified transaction to the financial institution transaction format; and route said reformatted transaction to the financial institution transaction processing system.