Methods and apparatus for sharing revenue associated with negative collection information
First Claim
1. A method of sharing revenue associated with receiving and distributing negative collection information, the method comprising:
- receiving first negative collection information from a first collection agency;
storing data indicative of the first collection agency and the first negative collection information with a logical association between the data indicative of the first collection agency and the first negative collection information;
receiving second negative collection information from a second collection agency;
storing data indicative of the second collection agency and the second negative collection information with a logical association between the data indicative of the second collection agency and the second negative collection information;
receiving login information from a subscriber;
authenticating the login information;
receiving a request for a credit report from the subscriber;
generating the credit report, the credit report incorporating at least a portion of the first negative collection information;
transmitting the credit report to the subscriber;
charging the subscriber a first fee; and
paying the first agency a second fee.
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Accused Products
Abstract
Methods and apparatus for sharing revenue associated with receiving and distributing negative collection information and for displaying that information in real-time are provided. The disclosed system receives the negative collection information from a plurality of collection agencies via machine readable media and/or a network such as the Internet. The negative collection information is logically associated with one or more submitting collection agencies and merged with previously received negative collection information. When the system receives a request for a credit report from an authorized subscriber, the requested report is provided to the subscriber in real-time for a fee. The fee may be a periodic fee and/or a per use fee. A portion of this fee is then shared with the collection agency or agencies that provided the negative collection information based on the level of contribution of each agency.
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Citations
42 Claims
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1. A method of sharing revenue associated with receiving and distributing negative collection information, the method comprising:
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receiving first negative collection information from a first collection agency;
storing data indicative of the first collection agency and the first negative collection information with a logical association between the data indicative of the first collection agency and the first negative collection information;
receiving second negative collection information from a second collection agency;
storing data indicative of the second collection agency and the second negative collection information with a logical association between the data indicative of the second collection agency and the second negative collection information;
receiving login information from a subscriber;
authenticating the login information;
receiving a request for a credit report from the subscriber;
generating the credit report, the credit report incorporating at least a portion of the first negative collection information;
transmitting the credit report to the subscriber;
charging the subscriber a first fee; and
paying the first agency a second fee. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. An apparatus structured to share revenue associated with negative collection information, the apparatus comprising:
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a processor; and
a memory device operatively coupled to the processor, the memory device storing a software program structured to cause the processor to;
receive first negative collection information from a first collection agency;
store data indicative of the first collection agency and the first negative collection information with a logical association between the data indicative of the first collection agency and the first negative collection information;
receive second negative collection information from a second collection agency;
store data indicative of the second collection agency and the second negative collection information with a logical association between the data indicative of the second collection agency and the second negative collection information;
generate a credit report, the credit report incorporating at least a portion of the first negative collection information;
charge a subscriber a first fee; and
pay the first agency a second fee based on a level of contribution of negative collection information from the first collection agency. - View Dependent Claims (20, 21, 22)
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23. A machine readable medium storing instructions structured to cause a machine to:
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receive first negative collection information from a first collection agency;
store data indicative of the first collection agency and the first negative collection information with a logical association between the data indicative of the first collection agency and the first negative collection information;
receive second negative collection information from a second collection agency;
store data indicative of the second collection agency and the second negative collection information with a logical association between the data indicative of the second collection agency and the second negative collection information;
generate a credit report, the credit report incorporating at least a portion of the first negative collection information;
charge a subscriber a first fee; and
pay the first agency a second fee based on a level of contribution of negative collection information from the first collection agency. - View Dependent Claims (24, 25, 26)
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27. A method for displaying collection information in real-time, said collection information being received from one or more subscribers, the method comprising:
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receiving first collection information from a first collection agency;
storing data indicative of the first collection agency and the first collection information with a logical association between the data indicative of the first collection agency and the first collection information;
receiving second collection information from a second collection agency;
storing data indicative of the second collection agency and the second collection information with a logical association between the data indicative of the second collection agency and the second collection information;
receiving login information from a subscriber;
authenticating the login information;
receiving a request for a credit report from the subscriber;
generating the credit report in real-time, the credit report incorporating at least a portion of the first collection information; and
transmitting the credit report to the subscriber. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34)
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35. An apparatus structured to display collection information to one or more subscribers in real-time, said one or more subscribers being suppliers of the collection information, the apparatus comprising:
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a processor; and
a memory device operatively coupled to the processor, the memory device storing a software program structured to cause the processor to;
receive first collection information from a first collection agency;
store data indicative of the first collection agency and the first collection information with a logical association between the data indicative of the first collection agency and the first collection information;
receive second collection information from a second collection agency;
store data indicative of the second collection agency and the second collection information with a logical association between the data indicative of the second collection agency and the second collection information; and
generate a credit report, the credit report incorporating at least a portion of the first collection information. - View Dependent Claims (36, 37, 38)
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39. A machine readable medium storing instructions structured to cause a machine to:
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receive first collection information from a first collection agency;
store data indicative of the first collection agency and the first collection information with a logical association between the data indicative of the first collection agency and the first collection information;
receive second collection information from a second collection agency;
store data indicative of the second collection agency and the second collection information with a logical association between the data indicative of the second collection agency and the second collection information; and
generate a credit report, the credit report incorporating at least a portion of the first collection information. - View Dependent Claims (40, 41, 42)
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Specification