US6317783B1
Expired / Lapsed
US
⏱️ 0.0 years remaining
Apparatus and methods for automated aggregation and delivery of and transactions involving electronic personal information or data
Assignee: Yodlee Inc
•
Filing: 1999-10-27
•
Granted: 2001-11-13
•
Expires: 2019-10-27
Abstract
Abstract A system for delivering personal information according to the present invention includes a user store including end user data, a provider store including information provider data, a personal information store including personal information and a processor that communicates with these data stores. The processor selects an end user for personal infonmation aggregation. The processor connects with one or more information providers. The processor then proceeds to retrieve personal information for the selected end user from the connected information providers. This retrieval is based on end user data associated with the selected end user and provider data associated with the connected information providers. The retrieved personal information is stored in the personal information store.
Inventors
- 👤 Gregg Freishtat
- 👤 Palaniswamy Rajan
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-05 03:08
CPC Classifications
G; G06; G06Q; G06Q30/00; G06F; G06F16/00; G06F16/90; G06F16/95; G06F16/953; G06F16/9535; G06F16/954; G06Q30/04; G06Q40/00; H; H04; H04L; H04L63/00; H04L63/10; H04L63/102; H04L67/00; H04L67/01; H04L67/02; H04L67/10; H04L67/2866; H04L67/30; H04L67/306; H04L67/34; H04L67/50; H04L67/53; H04L67/54; H04L67/55; H04L67/56; H04L67/564; H04L67/567; H04L2463/00; H04L2463/102; H04L67/563; H04L67/565; H04L69/00; H04L69/30; H04L69/32; H04L69/322; H04L69/329
Claims Analysis
Total Claims: 39
Claim 1
Independent Claim
206 words
A method for delivering non-public personal information relating to an end user via a wide-area computer network to an end user from at least one of a plurality of information providers securely storing the personal information under control of a processor located remotely from the information providers and the end user, the method comprising the steps of: (a) the processor connecting with at least one information provider; (b) for a selected end user, the processor retrieving personal information for the selected end user from the connected at least one information provider based on end user data associated with the selected end user and information provider data associated with the connected one or more information providers, the end user data including information identifying the plurality of information providers securely storing the personal information relating to the end user, the provider data including a protocol for instructing the processor how to access the securely stored personal information via the network, the information accessible to the processor using the protocol also being accessible by the end user via the network independently of the system for delivering personal information; and (c) the processor storing the retrieved personal information in a personal information store for access by the selected end user.
Claim 2
Independent Claim
206 words
A method for delivering non-public personal information relating to an end user via a wide-area computer network to an end user from at least one of a plurality of information providers securely storing the personal information under control of a processor located remotely from the information providers and the end user, the method comprising the steps of: (a) the processor connecting with at least one information provider; (b) for a selected end user, the processor retrieving personal information for the selected end user from the connected at least one information provider based on end user data associated with the selected end user and information provider data associated with the connected one or more information providers, the end user data including information identifying the plurality of information providers securely storing the personal information relating to the end user, the provider data including a protocol for instructing the processor how to access the securely stored personal information via the network, the information accessible to the processor using the protocol also being accessible by the end user via the network independently of the system for delivering personal information; and (c) the processor storing the retrieved personal information in a personal information store for access by the selected end user.
Claim 3
Dependent Claim
16 words
The method of claim 1 , further comprising the step of monitoring information providers for changes.
Claim 4
Dependent Claim
23 words
The method of claim 1 , further comprising the step of updating the provider store to conform with requirements of the information provider.
Claim 5
Dependent Claim
42 words
The method of claim 1 , further comprising the step of executing a transaction for the selected end user with a selected information provider based on the accessed end user and the accessed information provider data associated with the selected information provider.
Claim 6
Dependent Claim
19 words
The method of claim 4 , wherein the execution step is triggered according to the accessed end user data.
Claim 7
Dependent Claim
26 words
The method of claim 1 , further comprising the step of outputting the personal information associated with the selected end user from the personal information store.
Claim 8
Dependent Claim
25 words
The method of claim 6 , wherein the outputting step outputs the personal information to a delivery platform specified in the accessed end user data.
Claim 9
Dependent Claim
34 words
The method of claim 7 , wherein the specified delivery platform is selected from the group consisting of electronic mail, facsimile, pager, telephone, wireless device, ftp server, Web server, gopher server and Web client.
Claim 10
Dependent Claim
20 words
The method of claim 6 , wherein the outputting step outputs the personal information via a world wide web site.
Claim 11
Dependent Claim
24 words
The method of claim 9 , wherein the outputting step outputs personal information as a formatted Web page to the world wide web site.
Claim 12
Dependent Claim
23 words
The method of claim 9 , wherein the outputting step outputs personal information as formatted Web elements to the world wide web site.
Claim 13
Dependent Claim
20 words
The method of claim 9 , wherein the outputting step outputs personal information data to the world wide web site.
Claim 14
Dependent Claim
50 words
The method of claim 1 , wherein the connecting step comprises the substeps of: (i) accessing the end user data associated with the selected end user; (ii) identifying information providers specified in the accessed end user data; and (iii) establishing a communication link with each of the identified information providers.
Claim 15
Dependent Claim
32 words
The method of claim 1 , further comprising the step of outputting the retrieved personal infonmation to an intermediary web site, wherein the intermediary web site has an associated user interface format.
Claim 16
Dependent Claim
31 words
The method of claim 14 , wherein the retrieved personal information is output to the intermediary web site in a format other than the format associated with the intermediary web site.
Claim 17
Dependent Claim
29 words
The method of claim 14 , wherein the intermediary web site outputs the retrieved personal information to a web client, and the web client displays the retrieved personal infonmation.
Claim 18
Dependent Claim
24 words
The method of claim 16 , wherein the web client displays the retrieved personal information in the format associated with the intermediary web site.
Claim 19
Dependent Claim
188 words
A computer-readable, digital storage device storing executable instructions which cause a processor to deliver non-public personal information relating to an end user from at least one of a plurality of information providers securely storing the personal information to the end user via a wide-area computer network by performing the steps comprising of: (a) connecting with at least one information provider; (b) for a selected end user, retrieving personal information for the selected end user from the connected at least one information provider based on end user data associated with the selected end user and information provider data associated with the connected one or more information providers, the end user data including information identifying the plurality of information providers securely storing the personal information relating to the end user, the provider data including a protocol for instructing the processor how to access the securely stored personal information via the network, the information accessible to the processor using the protocol also being accessible by the end user via the network independently of the system for delivering personal information; and (c) storing the retrieved personal information in a personal information store.
Claim 20
Dependent Claim
188 words
A computer-readable, digital storage device storing executable instructions which cause a processor to deliver non-public personal information relating to an end user from at least one of a plurality of information providers securely storing the personal information to the end user via a wide-area computer network by performing the steps comprising of: (a) connecting with at least one information provider; (b) for a selected end user, retrieving personal information for the selected end user from the connected at least one information provider based on end user data associated with the selected end user and information provider data associated with the connected one or more information providers, the end user data including information identifying the plurality of information providers securely storing the personal information relating to the end user, the provider data including a protocol for instructing the processor how to access the securely stored personal information via the network, the information accessible to the processor using the protocol also being accessible by the end user via the network independently of the system for delivering personal information; and (c) storing the retrieved personal information in a personal information store.
Claim 21
Dependent Claim
57 words
The storage device of claim 18 , further storing executable instructions to perform the connecting step by performing substeps comprising of: (i) accessing the end user data associated with the selected end user; (ii) identifying information providers specified in the accessed end user data; and (iii) establishing a communication link with each of the identified information providers.
Claim 22
Independent Claim
247 words
A system for delivering non-public personal information relating to an end user via a network from at least one of a plurality of information providers, the information providers securely storing the personal information, the system comprising: (a) a user store for storing end user data associated with each end user, the user store including information identifying the plurality of information providers securely storing the personal information relating to the end user; (b) a provider store for storing information provider data associated with each information provider, the provider data including a protocol for instructing the processor how to access the securely stored personal information via the network, the information accessible to the processor using the protocol also being accessible by the end user via the network independently of the system for delivering personal information; (c) a personal information store for storing personal information associated with each end user retrieved from the information providers; (d) a processor in communication with the user store, the provider store and the personal information store, for performing the steps of: (i) connecting with at least one information provider; (ii) for a selected end user, retrieving personal information for the selected end user from the connected at least one information provider based on end user data associated with the selected end user and information provider data associated with the connected one or more information providers; and (iii) storing the retrieved personal information in the personal information store for accessible to the selected end user.
Claim 23
Independent Claim
247 words
A system for delivering non-public personal information relating to an end user via a network from at least one of a plurality of information providers, the information providers securely storing the personal information, the system comprising: (a) a user store for storing end user data associated with each end user, the user store including information identifying the plurality of information providers securely storing the personal information relating to the end user; (b) a provider store for storing information provider data associated with each information provider, the provider data including a protocol for instructing the processor how to access the securely stored personal information via the network, the information accessible to the processor using the protocol also being accessible by the end user via the network independently of the system for delivering personal information; (c) a personal information store for storing personal information associated with each end user retrieved from the information providers; (d) a processor in communication with the user store, the provider store and the personal information store, for performing the steps of: (i) connecting with at least one information provider; (ii) for a selected end user, retrieving personal information for the selected end user from the connected at least one information provider based on end user data associated with the selected end user and information provider data associated with the connected one or more information providers; and (iii) storing the retrieved personal information in the personal information store for accessible to the selected end user.
Claim 24
Dependent Claim
19 words
The system of claim 20 , wherein the processor performs the additional step of monitoring information providers for changes.
Claim 25
Dependent Claim
26 words
The system of claim 20 , wherein the processor performs the additional step of updating the provider store to conform with requirements of the information provider.
Claim 26
Dependent Claim
50 words
The system of claim 20 , wherein the processor performs the additional step of executing a transaction for the selected end user with a selected information provider based on the end user data associated with the selected end user and the information provider data associated with the selected information provider.
Claim 27
Dependent Claim
24 words
The system of claim 23 , wherein the processor automatically performs the transaction execution step according to end user data in the user store.
Claim 28
Dependent Claim
29 words
The system of claim 20 , wherein the processor performs the additional step of outputting the personal information associated with the selected end user from the personal information store.
Claim 29
Dependent Claim
34 words
The system of claim 25 , wherein the outputting step performed by the processor outputs the personal information to a delivery platform specified in the end user data associated with the selected end user.
Claim 30
Dependent Claim
34 words
The system of claim 26 , wherein the specified delivery platform is selected from the group consisting of electronic mail, facsimile, pager, telephone, wireless device, ftp server, Web server, gopher server and Web client.
Claim 31
Dependent Claim
23 words
The system of claim 25 , wherein the outputting step of the processor outputs the personal information via a world wide web site.
Claim 32
Dependent Claim
27 words
The system of claim 28 , wherein the outputting step of the processor outputs personal information as a formatted Web page to the world wide web site.
Claim 33
Dependent Claim
26 words
The system of claim 28 , wherein the outputting step of the processor outputs personal information as formatted Web elements to the world wide web site.
Claim 34
Dependent Claim
20 words
The system of claim 28 , wherein the outputting step outputs personal information data to the world wide web site.
Claim 35
Dependent Claim
53 words
The system of claim 20 , wherein the connecting step of the processor performs the following substeps: (A) accessing the end user data associated with the selected end user; (B) identifying information providers specified in the accessed end user data; and (C) establishing a communication link with each of the identified information providers.
Claim 36
Dependent Claim
36 words
The system of claim 20 , further including an intermediary web site having an associated user interface format, wherein the processor performs the additional step of outputting the retrieved personal information to the intermediary web site.
Claim 37
Dependent Claim
34 words
The system of claim 33 , wherein the retrieved personal information is output by the processor to the intermediary web site in a format other than the format associated with the intermediary web site.
Claim 38
Dependent Claim
34 words
The system of claim 33 , further including a web client, wherein the intermediary web site outputs the retrieved personal information to the web client, and the web client displays the retrieved personal information.
Claim 39
Dependent Claim
24 words
The system of claim 35 , wherein the web client displays the retrieved personal information in the format associated with the intermediary web site.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2004-11-12 | 2005-05-14 | 2005-11-13 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2008-11-12 | 2009-05-14 | 2009-11-13 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2012-11-12 | 2013-05-14 | 2013-11-13 | $7700.00 | Window Closed / Lapsed |