NOVADIB - A NOVEL ARCHITECTURE FOR ASYNCHRONOUS, DISTRIBUTED, REAL-TIME BANKING MODELED ON LOOSELY-COUPLED PARALLEL PROCESSORS

作     者：GHOSH, S 

作者机构：Division of Engineering Brown University Providence RI USA 

出 版 物：《IEEE TRANSACTIONS ON SYSTEMS MAN AND CYBERNETICS》 (IEEE Trans. Syst. Man Cybern.)

年 卷 期：1993年第23卷第3期

页      面：917-927页

核心收录：

主　　题：Banking Discrete event simulation Electronics industry Industrial electronics Feedback loop Mathematical model Computer architecture Concurrent computing Distributed computing Real time systems 

摘      要：The payment-processing system in the banking industry consists of deposits, withdrawals, and transfers of monies through the use of cash, checks, magnetic tapes, and electronic transactions. Of these, nearly all of the check processing through the United States Federal Reserve System, most of the check processing in the private networks, and a part of the electronic transactions are realized through the utilization of the principles of batch-mode processing. Batch-mode processing suffers from many limitations, the principal ones being that 1) users are denied real-time access to their money and that 2) a user s banking privileges cannot be extended anywhere in the USA-a facility that is increasingly being demanded by users. It is observed that the banking process may be mathematically mapped to a discrete-event simulation system with feedback loops wherein deposits, withdrawals, and transfers may be modeled as events that are introduced into the system asynchronously, i.e., at irregular intervals of time. A new architecture, NOVADIB, is proposed for the check processing subsystem of the Federal Reserve System that distributes the processing operations to multiple, concurrent, cooperating geographically distributed computers, i.e., at many sites, to achieve real-time transaction processing. NOVADIB utilizes the principles of asynchronous, distributed, discrete-event simulation algorithm for cyclic circuits, YADDES, and mathematically guarantees the accuracy of every transaction. NOVADIB offers the hope, perhaps for the first time, of a banking system that is available, transparently, to a user anywhere within the USA. NOVADIB guarantees the accuracy of every transaction and, as a result, 1) banks are not exposed to the risk of fraudulent or bad credits, and 2) users are not denied complete access to their most recent balances. An implementation of the a model of the Federal Reserve System on a loosely coupled parallel processor system, ARMSTRONG at Brown University i