US6802042B2
Expired / Lapsed
US
⏱️ 0.0 years remaining
Method and apparatus for providing calculated and solution-oriented personalized summary-reports to a user through a single user-interface
Assignee: Yodlee Inc
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Filing: 1999-10-22
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Granted: 2004-10-05
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Expires: 2019-10-22
Abstract
Abstract An Internet-connected portal system has a data repository, a data-gathering system, a request processor, a plurality of report algorithms, and a report processor. The request processor receives a request from a user and matches the request to an individual one of the report algorithms. The data-gathering subsystem accesses plural Internet sites associated with the user and extracts raw data therefrom according to needs of the report algorithm. The report processor processes the raw data according to the report algorithm into metasummarized information defined by the report algorithm, and the portal system transmits the metasummarized information as a report to a destination associated with the report request. In some cases there is an aggregated-data database in the data repository storing aggregated data retrieved for specific users periodically, and the request processor checks the aggregated-data database for needed data before requiring the data-gathering system to retrieve data from the associated Internet sites. In the instance that the needed data is stored in the aggregated-data database, the report is prepared from the aggregated data. Reports can be in a mix of text and graphic formats.
Inventors
- 👤 P. Venkat Rangan
- 👤 Manoj Sharma
- 👤 Sreeranga P. Rajan
- 👤 Jonathan Wu
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-08 18:25
CPC Classifications
G; G06; G06F; G06F21/00; G06F21/30; G06F21/31; G06F21/41; G06F16/00; G06F16/90; G06F16/95; G06F16/957; G06F16/958; H; H04; H04L; H04L67/00; H04L67/50; H04L67/56; H04L67/567; G06F2221/00; G06F2221/21; G06F2221/2119; H04L67/01; H04L67/02; H04L67/2866; H04L67/289; H04L67/564; H04L67/565; Y; Y10; Y10S; Y10S707/00; Y10S707/99931; Y10S707/99933; Y10S707/99935
Claims Analysis
Total Claims: 16
Claim 1
Independent Claim
201 words
An Internet portal system for gathering raw data from Internet sites and presenting reports from the data to a requesting user, comprising: an Internet-connected portal system having a data repository; a data gathering system operating on the portal system, gathering data from multiple Internet sites specifically associated to, and storing secured information personal to the requesting user; a request processor for receiving a users request made according to an individual one of a plurality of pre-defined user requests; a plurality of stored report algorithms, individual ones of the report algorithms associated with individual ones of the pre-defined plurality of user requests; and a report processor for executing individual ones of the plurality of report algorithms to prepare and present reports to requesting users; characterized in that the request processor receives the user's request and matches the user's request to the associated report algorithm, the data-gathering subsystem securely logs on to the Internet sites associated with the user, on behalf of the requesting user, and extracts raw data therefrom according to needs of the report algorithm, the report processor processes the collected raw data into a report defined by the report algorithm, and the portal system transmits the report to die user.
Claim 2
Dependent Claim
201 words
An Internet portal system for gathering raw data from Internet sites and presenting reports from the data to a requesting user, comprising: an Internet-connected portal system having a data repository; a data gathering system operating on the portal system, gathering data from multiple Internet sites specifically associated to, and storing secured information personal to the requesting user; a request processor for receiving a users request made according to an individual one of a plurality of pre-defined user requests; a plurality of stored report algorithms, individual ones of the report algorithms associated with individual ones of the pre-defined plurality of user requests; and a report processor for executing individual ones of the plurality of report algorithms to prepare and present reports to requesting users; characterized in that the request processor receives the user's request and matches the user's request to the associated report algorithm, the data-gathering subsystem securely logs on to the Internet sites associated with the user, on behalf of the requesting user, and extracts raw data therefrom according to needs of the report algorithm, the report processor processes the collected raw data into a report defined by the report algorithm, and the portal system transmits the report to die user.
Claim 3
Dependent Claim
73 words
The system of claim 1 wherein the portal system further comprises an aggregated-data database in the data repository storing aggregated data retrieved for specific users periodically, and wherein the request processor checks the aggregated-data database for needed data before requiring the data-gathering system to retrieve data from the associated Internet sites, and in the instance that the needed data is stored in the aggregated-data database, the report is prepared from the aggregated data.
Claim 4
Dependent Claim
19 words
The system of claim 1 wherein the report processor prepares and presents reports in both text and graphic formats.
Claim 5
Dependent Claim
24 words
The system of claim 1 wherein data used in preparing a report is time related, and the report generated includes presentation of data trend.
Claim 6
Dependent Claim
29 words
The system of claim 3 wherein the report processor includes one or more of tables, bar charts, pie charts, and line graphs in a report generated for a user.
Claim 7
Dependent Claim
26 words
The system of claim 1 wherein the report destination is specified in the received request, and is other than the source site of the user request.
Claim 8
Dependent Claim
61 words
The system of claim 6 wherein the report processor is enabled to translate data format for prepared reports among a plurality of multimedia data formats, including one or more of synthesized voice, e-mail, pager message, or facsimile format, and wherein the format used for the report generated is determined by the nature of the report destination specified in the received request.
Claim 9
Independent Claim
173 words
A method for gathering raw data from Internet sites and presenting reports from the data to a requesting user, comprising steps of: (a) receiving a report request made according to an individual one of a plurality of pre-defined user requests, by a report processor at an Internet-connected portal system from a user; (b) matching the request to an individual one of multiple report algorithms stored at the portal system, wherein individual ones of the report algorithms are associated with individual ones of the report requests; (c) securely logging in to one of the multiple Internet sites associated with the requesting user, on behalf of the user, (d) gathering secured raw data personal to the requesting user by a data gathering system operating on the portal system from multiple Internet sites associated with the requesting user, the sites selected according to needs of the report algorithm; (e) executing the report algorithm to process the raw data gathered into a report defined by the report algorithm; and (f) transmitting the report to the requesting user.
Claim 10
Independent Claim
173 words
A method for gathering raw data from Internet sites and presenting reports from the data to a requesting user, comprising steps of: (a) receiving a report request made according to an individual one of a plurality of pre-defined user requests, by a report processor at an Internet-connected portal system from a user; (b) matching the request to an individual one of multiple report algorithms stored at the portal system, wherein individual ones of the report algorithms are associated with individual ones of the report requests; (c) securely logging in to one of the multiple Internet sites associated with the requesting user, on behalf of the user, (d) gathering secured raw data personal to the requesting user by a data gathering system operating on the portal system from multiple Internet sites associated with the requesting user, the sites selected according to needs of the report algorithm; (e) executing the report algorithm to process the raw data gathered into a report defined by the report algorithm; and (f) transmitting the report to the requesting user.
Claim 11
Dependent Claim
74 words
The method of claim 8 wherein the portal system further comprises an aggregated-data database in the data repository storing aggregated data retrieved for specific users periodically, and further comprising a step for checking the aggregated-data database for needed data before requiring the data-gathering system to retrieve data from the associated Internet sites and in the instance that the needed data is stored in the aggregated-data database, the preparing the report from the aggregated data.
Claim 12
Dependent Claim
19 words
The method of claim 8 wherein the report processor prepares and presents reports in both text and graphic formats.
Claim 13
Dependent Claim
24 words
The method of claim 8 wherein data used in preparing a report is time related, and the report generated includes presentation of data trend.
Claim 14
Dependent Claim
29 words
The method of claim 10 wherein the report processor includes one or more of tables, bar charts, pie charts, and line graphs in a report generated for a user.
Claim 15
Dependent Claim
26 words
The method of claim 8 wherein the report destination is specified in the received request, and is other than the source site of the user request.
Claim 16
Dependent Claim
61 words
The method of claim 13 wherein the report processor is enabled to translate data format for prepared reports among a plurality of multimedia data formats, including one or more of synthesized voice, e-mail, pager message, or facsimile format, and wherein the format used for the report generated is determined by the nature of the report destination specified in the received request.
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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) | 2007-10-05 | 2008-04-05 | 2008-10-05 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2011-10-05 | 2012-04-05 | 2012-10-05 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2015-10-05 | 2016-04-05 | 2016-10-05 | $7700.00 | Window Closed / Lapsed |