Patent US3003472A successfully refreshed from Google Patents.
Patent US6567850B1 successfully refreshed from Google Patents.
US6567850B1
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US
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System and method for determining revenue from an intermediary derived from servicing data requests
Assignee: Yodlee Inc
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Filing: 1999-10-27
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Granted: 2003-05-20
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Expires: 2019-10-27
Abstract
Abstract This invention is a system and method for determining revenue from an intermediary derived from end user interactions involving personal information via the intermediary. A host computer monitors interactions between end users and personal information providers via an intermediary computer. The host computer communicates with a personal information store for storing personal information associated with end users and an accounting store for storing accounting data associated with the intermediary computer. The host computer includes a processor that receives requests concerning personal information from the intermediary computer and services these requests based on personal information in the personal information store. The host computer processor updates the accounting data associated with the intermediary computer and generates invoices to the intermediary computer based on the updated accounting data.
Inventors
- 👤 Gregg Freishtat
- 👤 Palaniswamy Rajan
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-30 20:12
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: 26
Claim 1
Independent Claim
103 words
A method for monitoring interactions between a personal information provider and an end user of personal information via an intermediary computer to determine revenue derived from the interactions, comprising the steps of: (a) receiving from the intermediary computer a request concerning personal information associated with the end user; (b) servicing the received request based on the personal information associated with the end user stored at the personal information provider; (c) updating accounting data associated with the intermediary computer based on the serviced request; and (d) generating an invoice to the intermediary computer based on the updated accounting data associated with the intermediary computer.
Claim 2
Independent Claim
103 words
A method for monitoring interactions between a personal information provider and an end user of personal information via an intermediary computer to determine revenue derived from the interactions, comprising the steps of: (a) receiving from the intermediary computer a request concerning personal information associated with the end user; (b) servicing the received request based on the personal information associated with the end user stored at the personal information provider; (c) updating accounting data associated with the intermediary computer based on the serviced request; and (d) generating an invoice to the intermediary computer based on the updated accounting data associated with the intermediary computer.
Claim 3
Dependent Claim
15 words
The method of claim 1 , wherein the step of generating an invoice occurs periodically.
Claim 4
Dependent Claim
20 words
The method of claim 1 , and further comprising the step of delivering the generated invoice to a selected destination.
Claim 5
Dependent Claim
40 words
The method of claim 3 , wherein the selected destination is selected from the group consisting of an electronic mail destination, a print device, a Web page residing on a Web server, an Internet client, a telephone, and a facsimile.
Claim 6
Dependent Claim
20 words
The method of claim 1 , and further comprising the step of debiting an account associated with the intermediary computer.
Claim 7
Dependent Claim
22 words
The method of claim 1 , wherein the step of servicing the received request comprises providing personal information to the intermediary computer.
Claim 8
Dependent Claim
37 words
The method of claim 6 , wherein the step of updating accounting data associated with the intermediary computer comprises incrementing a count of requests concerning personal information made via the intermediary computer for a selected time period.
Claim 9
Dependent Claim
26 words
The method of claim 7 , and further comprising the step of debiting an account associated with the intermediary computer based on the count of requests.
Claim 10
Dependent Claim
48 words
The method of claim 6 , wherein the step of updating accounting data associated with the intermediary computer comprises incrementing a count of users associated with the intermediary computer if an end user has not accessed his personal information via the intermediary computer for a selected time period.
Claim 11
Dependent Claim
26 words
The method of claim 9 , and further comprising the step of debiting an account associated with the intermediary computer based on the count of users.
Claim 12
Dependent Claim
25 words
The method of claim 1 , wherein the step of servicing the received request comprises executing a transaction involving personal information via the intermediary computer.
Claim 13
Dependent Claim
37 words
The method of claim 11 , wherein the step of updating accounting data associated with the intermediary computer comprises incrementing a count of requests concerning personal information made via the intermediary computer for a selected time period.
Claim 14
Dependent Claim
26 words
The method of claim 12 , and further comprising the step of debiting an account associated with the intermediary computer based on the count of requests.
Claim 15
Dependent Claim
51 words
The method of claim 11 , wherein the step of updating accounting data associated with the intermediary computer comprises incrementing a count of users associated with the intermediary computer if an end user has not executed a transaction concerning his personal information via the intermediary computer for a selected time period.
Claim 16
Dependent Claim
26 words
The method of claim 14 , and further comprising the step of debiting an account associated with the intermediary computer based on the count of users.
Claim 17
Dependent Claim
38 words
The method of claim 11 , wherein the step of updating accounting data associated with the intermediary computer comprises incrementing a commission total associated with the intermediary computer for a selected time period based on the executed transaction.
Claim 18
Dependent Claim
25 words
The method of claim 16 , and further comprising the step of debiting an account associated with the intermediary computer based on the commission total.
Claim 19
Dependent Claim
115 words
A computer-readable storage device containing instructions that upon execution cause a processor to monitor interactions between a personal information provider and an end user of personal information via an intermediary computer to determine revenue derived from the interactions by performing the steps comprising of: (a) receiving from the intermediary computer a request concerning personal information associated with the end user; (b) servicing the received request based on the personal information associated with the end user stored at a selected information provider; (c) updating accounting data associated with the intermediary computer based on the serviced request; and (d) generating an invoice to the intermediary computer based on the updated accounting data associated with the intermediary computer.
Claim 20
Dependent Claim
115 words
A computer-readable storage device containing instructions that upon execution cause a processor to monitor interactions between a personal information provider and an end user of personal information via an intermediary computer to determine revenue derived from the interactions by performing the steps comprising of: (a) receiving from the intermediary computer a request concerning personal information associated with the end user; (b) servicing the received request based on the personal information associated with the end user stored at a selected information provider; (c) updating accounting data associated with the intermediary computer based on the serviced request; and (d) generating an invoice to the intermediary computer based on the updated accounting data associated with the intermediary computer.
Claim 21
Dependent Claim
30 words
The storage device of claim 18 , and storing further instructions that upon execution cause the processor to perform the step of delivering the generated invoice to a selected destination.
Claim 22
Dependent Claim
30 words
The storage device of claim 18 , and storing further instructions that upon execution cause the processor to perform the step of debiting an account associated with the intermediary computer.
Claim 23
Independent Claim
164 words
A system for monitoring interactions between a personal information provider and an end user of personal information via an intermediary computer to determine revenue derived from the interactions, comprising: (a) a personal information store for storing personal information associated with an end user; (b) an accounting store for storing accounting data associated with the intermediary computer; (c) a host computer in communication with the personal information store, the accounting store and the intermediary computer, the host computer comprising a processor for performing the steps of: (i) receiving from the intermediary computer a request concerning personal information associated with the end user; (ii) servicing the received request based on the personal information associated with the end user stored in the personal information store; (iii) updating accounting data associated with the intermediary computer based on the serviced request in the accounting store; and (iv) generating an invoice to the intermediary computer based on the updated accounting data associated with the intermediary computer from the accounting store.
Claim 24
Independent Claim
164 words
A system for monitoring interactions between a personal information provider and an end user of personal information via an intermediary computer to determine revenue derived from the interactions, comprising: (a) a personal information store for storing personal information associated with an end user; (b) an accounting store for storing accounting data associated with the intermediary computer; (c) a host computer in communication with the personal information store, the accounting store and the intermediary computer, the host computer comprising a processor for performing the steps of: (i) receiving from the intermediary computer a request concerning personal information associated with the end user; (ii) servicing the received request based on the personal information associated with the end user stored in the personal information store; (iii) updating accounting data associated with the intermediary computer based on the serviced request in the accounting store; and (iv) generating an invoice to the intermediary computer based on the updated accounting data associated with the intermediary computer from the accounting store.
Claim 25
Dependent Claim
24 words
The system of claim 21 , wherein the host computer processor performs the additional step of delivering the generated invoice to a selected destination.
Claim 26
Dependent Claim
24 words
The system of claim 21 , wherein the host computer processor performs the additional step of debiting an account associated with the intermediary computer.
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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) | 2006-05-19 | 2006-11-18 | 2007-05-20 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2010-05-19 | 2010-11-18 | 2011-05-20 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2014-05-19 | 2014-11-18 | 2015-05-20 | $7700.00 | Window Closed / Lapsed |