# US 2013/0159187 A1 · Electronic transaction processor system > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2013/0159187 A1 - Document ID: US20130159187A1 - Status: Published application - Kind: A1 - Application number: 13/691,676 - Filed: 2012-11-30 - Published: 2013-06-20 - Earliest claimed: 1999-09-08 - Inventors: Teddy A. Demirjian - Web page: https://patentgrep.com/patent/US20130159187A1 ## CPC - G06Q 20/4014: {Identity check for transactions} - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 20/382: {insuring higher security of transaction} - G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists - G06Q 20/405: {Establishing or using transaction specific rules} - G06Q 30/02: Marketing; Price estimation or determination; Fundraising - G06Q 30/0635: {replenishment orders; recurring orders} - G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes - G06Q 40/04: Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange - G06Q 40/06: Asset management; Financial planning or analysis - G06Q 40/12: Accounting - G06Q 30/00: Commerce - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract An Internet based system for executing transactions is described. The system may include transaction data, a database, a business logic manager and user profiles. A rules may also be included, and store information about system responses to modifications of the data. The user profiles may be configured to store information concerning the availability of information and displays depending upon the user. ## Claims ### Claim 1 (canceled) ### Claim 2 An electronic transaction processor system for processing online transactions configured to manage a plurality of client accounts, comprising: a transaction information database comprising transaction information from a plurality of clients; a user profile database comprising a user profile for each user of the system, wherein said user profile comprises access rights specifying one or more transactions available to the user, an algorithm to use to execute the one or more transactions, and a screen setting parameter that indicates to an Internet browser how to display the transaction information from the database to the user; a host server comprising a presentation manager, wherein the presentation manager is linked to the user profile database and operative to modify the user profiles so each user is presented with a customized display of account transactions when viewed in the Internet browser; a business logic manager configured to read instructions from a database module, wherein the instructions comprise custom transaction information for each user, and define whether the user is authorized to execute a transaction within the electronic transaction system; and a transaction manager configured to execute transaction requests from the business logic manager according to a predetermined algorithm. ### Claim 3 (depends on 2) The electronic transaction processor system of claim 2, further comprising a data exchange link with an external system, wherein data representing the transaction to be executed is formatted by the electronic transaction processor system in accordance with a user profile associated with each external system and sent to the external system for execution if sufficient rights for the transaction were determined. ### Claim 4 (depends on 3) The electronic transaction processor system of claim 3, wherein the transaction processor system is a retail store transaction processor system, and the data exchange link is a link to a vendor of the retail store. ### Claim 5 (depends on 4) The electronic processor system of claim 4, wherein when executing an online transaction request the transaction information is electronically passed to the vendor through the data exchange link. ### Claim 6 (depends on 5) The electronic processor system of claim 5, wherein the transaction processor system formats the order information into the format required by an electronic system at the vendor. ### Claim 7 (depends on 5) The electronic processor system of claim 5, the transaction processor system receives vendor order confirmation information. ### Claim 8 (depends on 2) The electronic transaction processor system of claim 2, wherein executing transaction requests comprises executing an online order from a retail store system. ### Claim 9 (depends on 2) The electronic transaction processor system of claim 2, wherein the custom logic routines are business rules. ### Claim 10 (depends on 2) The electronic transaction processor system of claim 2, wherein the transaction manager and the business logic manager run in parallel. ### Claim 11 (depends on 2) The electronic transaction processor system of claim 2, further comprising security software that uniquely identifies the user to the system transaction processor system. ### Claim 12 (depends on 2) The electronic transaction processor system of claim 2, wherein the transaction processor system is a multitasking engine capable of executing a plurality of transactions simultaneously. ### Claim 13 (depends on 2) The electronic transaction processor system of claim 2, wherein user order information is electronically recorded in the system data base. ### Claim 14 (depends on 13) The electronic transaction processor system of claim 13, wherein the user's order information and account holdings are accessible to the user through an Internet browser. ### Claim 15 An electronic system configured to execute electronic online transactions from a user over a network, comprising: a transaction manager configured to receive a transaction to be executed by the user; at least one database that stores user entitlements, screen settings and custom algorithms for the user; a presentation manager configured to determine the information that the user can view in an Internet browser based on the screen settings; and a business logic manager configured to make a call to the at least one database to determine an algorithm to execute for the transaction, wherein the transaction manager is configured to execute the transaction based on the determined algorithm. ### Claim 16 (depends on 15) The system of claim 15, wherein the transaction manager is configured to categorize the transaction into a business component handled by the business logic manager and a presentation layer which is handled by the presentation manager. ### Claim 17 (depends on 15) The system of claim 15, wherein the at least one database comprises information defining the functions that the user can perform in the system. ### Claim 18 (depends on 15) The system of claim 15, wherein the business logic manager is configured to apply business rules to further determine if there are any limitations on how the transaction can be executed by the user. ### Claim 19 (depends on 15) The system of claim 15, wherein the transaction is an online order and the system is an electronic retail store system. ### Claim 20 (depends on 15) The system of claim 15, wherein a user's login identification and profile are used to determine the custom logic algorithms and custom screen settings for each user and wherein the algorithms and settings can be automatically updated based on updates to the user profile. ### Claim 21 (depends on 15) The system of claim 15, wherein the system is hosted on one or more servers.