1. A multi-product-multi-channel payment platform system, comprising:
a financial management system hosting a multi-product-multi-channel payment hub, the financial management system configurable to receive input from a customer, the input comprising a requested transaction, a source account, and a destination account;
at least one module configurable to determine characteristics associated with the requested transaction;
a funds transfer module configurable to determine the execute at least one transfer of funds according to the requested transaction, wherein the transaction comprises a funds transfer among multiple financial products and among multiple financial channels.
2. The system of claim 1, wherein the financial products comprise:
asset products;
liability products; and
hybrid products.
3. The system of claim 2, wherein the asset products comprise unsecured credit products and secured credit products.
4. The system of claim 2, wherein the liability products comprise transaction products and non-transaction-restricted-use products.
5. The system of claim 2, wherein the hybrid products comprise transaction products and non-transaction-restricted-use products
6. The system of claim 1, wherein the system further comprises a business rules engine comprising rules related to products, accounts, routes, transaction speeds, and risks.
7. The system of claim 1, wherein the system further comprises a processing rules engine configurable to execute network rules, exception processing, and settlement processing.
8. A method for processing multi-product-multi-channel financial transactions, the method comprising:
receiving a user input including a request for a transaction, and one or more designated accounts;
determining whether the transaction is possible;
computing an effective limit for the transaction;
executing the transaction, wherein the transaction involves one or more of,
asset products;
liability products; and
hybrid products.
9. The method of claim 8, wherein executing the transaction comprises using one or more channels selected from a group comprising:
an automated clearing house (ACH) channel, an automated teller machine (ATM) channel, a credit card channel, a bank proprietary channel, a wire channel, and a \u201cSWIFT\u201d channel
10. The method of claim 8, further comprising determining limits associated with the transaction.
11. The method of claim 8, further comprising applying suspension rules to the transaction, wherein the suspension rules consider a network channel and an access channel.
12. The method of claim 8, further comprising determining whether the user and product are registered with a financial management system that executed the method.
13. The method of claim 12, further comprising selecting source and destination products for a fund transfer according to user input.
14. The method of claim 12, further comprising determining whether the transaction as requested is within permissible limits.
15. The method of claim 12, further comprising executing and routing the transaction.
16. A computer-readable medium having stored thereon instruction, that when executed in a financial management system cause a multi-product-multi-channel transaction method to be performed, the method comprising:
receiving a user input including a request for a transaction, and one or more designated accounts;
determining whether the transaction is possible;
computing an effective limit for the transaction;
executing the transaction, wherein the transaction involves one or more of,
asset products;
liability products; and
hybrid products.
17. The computer-readable medium of claim 16, wherein executing the transaction comprises using one or more channels selected from a group comprising:
an automated clearing house (ACH) channel, an automated teller machine (ATM) channel, a credit card channel, a bank proprietary channel, a wire channel, and a \u201cSWIFT\u201d channel
18. The computer-readable medium of claim 16, wherein the method further comprises determining limits associated with the transaction.
19. The computer-readable medium of claim 16, wherein the method further comprises applying suspension rules to the transaction, wherein the suspension rules consider a network channel and an access channel.
20. The met computer-readable medium of claim 16, wherein the method further comprises determining whether the user and product are registered with a financial management system that executed the method.
21. The computer-readable medium of claim 20, wherein the method further comprises selecting source and destination products for a fund transfer according to user input.
22. The computer-readable medium of claim 20, wherein the method further comprises determining whether the transaction as requested is within permissible limits.
23. The computer-readable medium of claim 20, wherein the method further comprises executing and routing the transaction.
The claims below are in addition to those above.
All refrences to claim(s) which appear below refer to the numbering after this setence.
1. A laser light source device, comprising:
a first laser light source section comprising M number of laser light sources, where the m-th laser light source emits a laser light having a frequency shifted from a first fundamental frequency by am\xb7\u0394\u03c9 (m=1, 2, . . . , M);
a second laser light source section comprising M number of laser light sources, where the m-th laser light source emits a laser light having a frequency shifted from a second fundamental frequency by bm\xb7\u0394\u03c9 (m=1, 2, . . . , M);
a first optical multiplexer for emitting a first fundamental wave by approximately coaxially superimposing M number of laser lights emitted from said first laser light source section;
a second optical multiplexer for emitting a second fundamental wave by approximately coaxially superimposing M number of laser lights emitted from said second laser light source section; and
a wavelength conversion optical system, comprising a first wavelength conversion device for generating an A-harmonic wave, of which frequency corresponds to A times of said first fundamental wave, a second wavelength conversion device for generating a B-harmonic wave, of which frequency corresponds to B times of said second fundamental wave, and a third wavelength conversion device for receiving light of said A-harmonic wave and said B-harmonic wave, and generating a sum frequency thereof by sum frequency generation,
the laser light source device being characterized in that Expression A\xb7am+B\xb7bm=0 (a1, a2, . . . aM and b1, b2, . . . , bM are arbitrary numbers that satisfy the expression) is satisfied.
2. The laser light source device according to claim 1, further comprising:
a first light amplifier section having M number of light amplifiers each of which amplifies each laser light generated from M number of laser light sources in said first laser light source section; and
a second light amplifier section having M number of light amplifiers each of which amplifies each laser light generated from M number of laser light sources in said second laser light source section.
3. The laser light source device according to claim 1, characterized in that said first optical multiplexer or said second optical multiplexer comprises a diffraction grating or dispersion prism for receiving said laser light emitted from said first laser light source section or said second laser light source section at an incident angle which is set according to the shift amount from said fundamental frequency, and approximately coaxially superimposing said laser lights, which are diffracted or refracted, and emitting the laser lights.
4. A laser light source device, comprising:
a first laser light source section comprising M number of laser light sources, where the m-th laser light source emits a laser light having a frequency shifted from a fundamental frequency by am\xb7\u0394\u03c9 (m=1, 2, . . . , M);
a second laser light source section comprising M number of laser light sources, where the m-th laser light source emits a laser light having a frequency shifted from said fundamental frequency by bm\xb7\u0394\u03c9 (m=1, 2, . . . , M);
a first optical multiplexer for emitting a first fundamental wave by approximately coaxially superimposing M number of laser lights emitted from said first laser light source section;
a second optical multiplexer for emitting a second fundamental wave by approximately coaxially superimposing M number of laser lights emitted from said second laser light source section; and
a wavelength conversion optical system, comprising a first wavelength conversion device for generating a third-harmonic wave, of which frequency corresponds to triple said first fundamental wave, a second wavelength conversion device for generating a fourth-harmonic wave, of which frequency corresponds to four times said second fundamental wave, and a third wavelength conversion device for receiving said third-harmonic wave and said fourth-harmonic wave, and generating a seventh-harmonic wave of which frequency is seven times said fundamental frequency by sum frequency generation,
the laser light-source device being characterized in that expression
3\xb7am+4\xb7bm=0 (a1, a2, . . . , aM and b1, b2, . . . , bM are arbitrary numbers that satisfy the expression) is satisfied.
5. The laser light source device according to claim 4, further comprising a third laser light source section for emitting laser light having said fundamental frequency, and a fourth wavelength conversion device for receiving said seventh-harmonic wave and said laser light emitted from said third light source and generating an eighth-harmonic wave of which frequency is eight times said fundamental wave by sum frequency generation.
6. A laser light source device, comprising:
a first laser light source section comprising M number of laser light sources, where the m-th laser light source emits a laser light having a frequency shifted from a fundamental frequency by am\xb7\u0394\u03c9 (m=1, 2, . . . , M);
a second laser light source section comprising M number of laser light sources, where the m-th laser light source emits a laser light having a frequency shifted from the fundamental frequency by bm\xb7\u0394\u03c9 (m=1, 2, . . . , M);
a first optical multiplexer for emitting a first fundamental wave by approximately coaxially superimposing M number of laser lights emitted from said first laser light source section;
a second optical multiplexer for emitting a second fundamental wave by approximately coaxially superimposing M number of laser lights emitted from said second laser light source section; and
a wave length conversion optical system, comprising a first wavelength conversion device for generating a third-harmonic wave, of which frequency corresponds to triple said first fundamental wave, a second wave length conversion device for generating a fourth-harmonic wave, of which frequency corresponds to four times said second fundamental wave, a third wavelength conversion device for receiving said third-harmonic wave and said fourth-harmonic wave and generating a seventh-harmonic wave of which frequency is shifted from a frequency that is seven times said fundamental frequency by bm\xb7\u0394\u03c9 (m=1, 2, . . . , M) by sum frequency generation, and a fourth wavelength conversion device for receiving a part of said second fundamental wave and said seventh-harmonic wave and generating an eighth-harmonic wave of which frequency is eight times said fundamental frequency by sum frequency generation,
the laser light source device being characterized in that expression 3\xb7am+5\xb7bm=0 (a1, a2, . . . , aM and b1, b2, . . . , bM are arbitrary numbers that satisfy the expression) is satisfied.
7. A laser light source device, comprising:
a first laser light source section comprising M number of laser light sources, where the m-th laser light source emits a laser light having a frequency shifted from a fundamental frequency by am\xb7\u0394\u03c9 (m=1, 2, . . . , M);
a second laser light source section comprising M number of laser light sources, where the m-th laser light source emits a laser light having a frequency shifted from the fundamental frequency by bm\xb7\u0394\u03c9 (m=1, 2, . . . , M);
a first optical multiplexer for emitting a first fundamental wave by approximately coaxially superimposing M number of laser lights emitted from said first laser light source section;
a second optical multiplexer for emitting a second fundamental wave by appropriately coaxially superimposing M number of laser lights emitted from said second laser light source section; and
a wavelength conversion optical system, comprising a first wavelength conversion device for generating a second-harmonic wave, of which frequency corresponds to double said first fundamental wave, a second wavelength conversion device for generating a fifth-harmonic wave, of which frequency corresponds to five times said second fundamental wave, a third wavelength conversion device for receiving said second-harmonic wave and said fifth-harmonic wave and generating a seventh-harmonic wave of which frequency is seven times said fundamental frequency by sum frequency generation, and a fourth wavelength conversion device for receiving said seventh-harmonic wave and said first fundamental wave transmitted through said first wavelength conversion device and third wavelength conversion device, and generating an eighth-harmonic wave of which frequency is eight times said fundamental frequency by sum frequency generation,
the laser light source device being characterized in that the expression 3\xb7am+5 \xb7bm=0 (a1, a2, . . . , aM and b1, b2, . . . , bM are arbitrary numbers that satisfy the expression) is satisfied.