초록 ▼

Disclosed is a container object that allows a user to define new payment resources without requiring the user to redesign a relational database system used for persistent storage of transaction information. An object server maps data that is represented in transient memory according to an object-ori

Disclosed is a container object that allows a user to define new payment resources without requiring the user to redesign a relational database system used for persistent storage of transaction information. An object server maps data that is represented in transient memory according to an object-oriented scheme to data that is represented in persistent memory according to a relational database scheme. The object server generates appropriate tables and columns for a relational database scheme automatically so that the object-oriented scheme generated by a user may be efficiently stored and searched in persistent memory. Preferably, array elements are represented as rows in a table, not as columns so that storage space is not wasted with place holder data. In certain embodiments, a rating engine is provided that searches available rates and creates a rate stack for the purpose of authorizing transactions and adjusting payment source balances when authorization events or payment events occur.

대표청구항 ▼

[ What is claimed is:] [1.] A computer implemented method of adjusting an account balance stored in an RDBMS table comprising:instantiating a balance adjusting container object that includes an account element identification number, a balance element identification number of a balance element that w

[ What is claimed is:] [1.] A computer implemented method of adjusting an account balance stored in an RDBMS table comprising:instantiating a balance adjusting container object that includes an account element identification number, a balance element identification number of a balance element that will be adjusted and an adjusting amount, the account element identification number and balance element identification number identifying the account balance;formulating an RDBMS query to determine whether an entry in an account balance table exists that corresponds to the account element identification number and the balance element identification number;if an entry in the account balance table is found, then adjusting an account balance in the found entry in the account balance table by the adjusting amount; andif no entry in the account balance table is found, then creating an entry in the account balance table with a default account balance and adjusting the account balance in the created entry by the adjusting amount;wherein the account balance table is not required to include entries for account balances that have not been adjusted.