System and method for a peer to peer exchange of consumer information

• US 20060277092A1
• Filed: 06/03/2005
• Published: 12/07/2006
• Est. Priority Date: 06/03/2005
• Status: Abandoned Application

• Current Assignee: Credigy Technologies Inc. (National Bank of Canada)
• Original Assignee: Credigy Technologies Inc. (National Bank of Canada)
• Inventors: Williams, Jason S.
• Application Number:
  US11/145,153
• Publication Number:
  US 20060277092A1
• Time in Patent Office: Days
• US Class Current: 705/10
• CPC Class Codes: G06F 16/1834 implemented based on peer-to-peer networks, e.g. gnutella p2p communication protocols H04L67/104
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 17/16 for devices exhibiting advertisements, announcements, pictures or the like
• CPC Class Codes: H04L 65/1069 Session establishment or de-establishment

Abstract

Using peer-to-peer networking to exchange consumer information in a secure environment. The seeker of consumer information transmits an encrypted query to authenticated and trusted peers which includes legal representations stating the legally permissible purpose for seeking the information. A peer, acting as a maintainer of consumer information, determines if the query matches any consumer information held by the maintainer. The maintainer then informs the seeker of the results of the match, the type of information available, the data format, and the price for such consumer information. A payment invoice can be generated and electronically presented by maintainer. The payment may be electronically debited from the designated account of seeker and remitted to maintainer. In addition, a portion of such funds may be delivered to an entity which maintains the peer-to-peer software.

Claims

1. A computer-implemented method for obtaining consumer information, comprising the steps of:

establishing a network of authenticated and trusted peer computers, each connected to a communications network;

preparing a query comprising a request for the consumer information and a legal representation affirming a legally allowable purpose for obtaining the consumer information;

transmitting the query to a plurality of the peer computers via the communications network;

obtaining the consumer information from the peer computer via the communications network in response to a communication advising that one of the peer computers receiving the query possesses the consumer information; and

arranging for a payment as compensation for delivery of the consumer information by the peer computer responding to the query.

2. The computer-implemented method recited by claim 1, wherein the step of establishing a network of authenticated and trusted peer computers comprises the steps of:

identifying authenticated peer computers by completing an authentication of each of a plurality of peer computers connected to the communications network;

identifying trusted peer computers by completing a trust evaluation for each of the authenticated peer computers, the trust evaluation comprising a determination of whether the authenticated peer computer comprises credentials satisfying trust metrics; and

maintaining a record comprising an identity for each of the authenticated and trusted peer computers.

3. The computer-implemented method recited by claim 1, wherein the consumer information comprises one of identification information, demographic information and financial information, each associated with an identifiable individual or entity.

4. The computer-implemented method recited by claim 1, wherein the step of obtaining the consumer information from the peer computer via the communications network comprises:

receiving the communication via the communications network from certain responding ones of the plurality of the authenticated and trusted peer computers receiving the query, each communication advising that the responding peer computer possesses the consumer information;

selecting one of the responding peer computers as a source for the consumer information based on an application of selection criteria;

issuing a request for the consumer information to the selected responding peer computer via the communications network; and

receiving the consumer information from the selected one of the responding peer computers via the communications network, the consumer information formatted by the responding peer computer in a designated data format.

5. The computer-implemented method recited by claim 1, where the legal representation comprises a statement of fact as of a certain time made by a party requesting the consumer information to another as a term of a consumer information request transaction, wherein the other party can contractually rely on the statement by the requesting party.

6. The computer-implemented method recited by claim 1 further comprising the step of obtaining a peer-to-peer software application from a software distributor via the communications network.

7. The computer-implemented method recited by claim 6, wherein the step of arranging for a payment as compensation for delivery of the consumer information by the responding peer computer comprises a submission of an electronic form of payment to each of the responding peer compute rand the software distributor.

8. The computer-implemented method recited by claim 1 further comprising the step of importing a batch data file comprising a plurality of query records, each query record defining parameters for a corresponding query comprising the request for the consumer information and the legal representation.

9. The computer-implemented method recited by claim 1, wherein the step of preparing a query comprising a request for the consumer information and the legal representation comprises:

obtaining parameters required to define the query, the parameters including data supporting the request for the consumer information and the legal representation;

agreeing to terms of the legal representation defined by the query; and

identifying the plurality of the peer computers to receive the query.

10. The computer-implemented method recited by claim 1, wherein the step of arranging for a payment for delivery of the consumer information comprises sending an electronic form of payment to the responding peer computer in response to receipt of an invoice relating to a service of delivering the consumer information in a designated data format.

11. The computer-implemented method recited by claim 1, wherein the communication is output by one of the peer computers in response to obtaining a match of the request for consumer information against an index defining the consumer information-related records for a database accessed by the peer computer.

12. The computer-implemented invention of claim 11, wherein the communication comprises a count of each match, a record type of each match, a date of each match, a document type definition for the record type of each match, and a cost per record for each record type.

13. In a peer-to-peer system for obtaining consumer information, comprising a plurality of authenticated and trusted peer computers, each connected to a communications network, one of the peer computers comprising a requesting peer and the remaining peer computers comprising potential providing peers, the requesting peer operative to:

prepare a query comprising a request for the consumer information and a legal representation affirming a legally allowable purpose for obtaining the consumer information;

transmit the query to a plurality of the providing peers via the communications network;

receive a communication from one of the providing peers computers receiving the query, the communication advising that the providing peer possesses at least a portion of the consumer information;

obtain the portion of the consumer information via the communications network from the providing peer responding to the query;

transmit a payment as compensation for delivery of the portion of the consumer information by the providing peer responding to the query.

14. In the peer-to-peer system of claim 13, the requesting peer is further operative to establish a network of the authenticated and trusted peer computers by completing the tasks of:

identifying authenticated peer computers by completing an authentication of each of a plurality of peer computers connected to the communications network;

identifying trusted peer computers by completing a trust evaluation for each of the authenticated peer computers, the trust evaluation comprising a determination of whether the authenticated peer computer comprises credentials satisfying trust metrics; and

maintaining a record comprising an identity for each of the authenticated and trusted peer computers.

15. In the peer-to-peer system of claim 13, the consumer information comprises one of identification information, demographic information and financial information, each associated with an identifiable individual or entity.

16. In the peer-to-peer system of claim 13, the requesting peer is operative to obtain the consumer information from one of the providing peers by completing the steps of:

receiving the communication via the communications network from certain responding ones of providing peers receiving the query, each communication advising that the responding peer computer possesses the consumer information;

selecting one of the providing peers as a source for the consumer information based on an application of selection criteria;

issuing a request for the consumer information to the selected providing peer via the communications network; and

receiving the consumer information from the selected providing peer via the communications network, the consumer information formatted by providing peer computer in a designated data format.

17. In the peer-to-peer system of claim 13, the legal representation comprises a statement of fact as of a certain time made by a party requesting the consumer information to another as a term of a consumer information request transaction, wherein the other party can contractually rely on the statement by the requesting party.

18. In the peer-to-peer system of claim 13, the requesting peer is further operative obtain a peer-to-peer software application from a software distributor via the communications network.

19. In the peer-to-peer system of claim 18, the requesting peer is operative to transmit a payment by submitting an electronic form of payment to the providing peer that output the communication and the software distributor.

20. In the peer-to-peer system of claim 13, the requesting peer is operative to import a batch data file comprising a plurality of query records, each query record defining parameters for a corresponding query comprising the request for the consumer information and the legal representation.

21. In the peer-to-peer system of claim 13, the requesting peer is operative to prepare the query by completing the steps of:

obtaining parameters required to define the query, the parameters including data supporting the request for the consumer information and the legal representation;

agreeing to terms of the legal representation defined by the query; and

identifying the plurality of the peer computers to receive the query.

22. In the peer-to-peer system of claim 13, the requesting peer is operative to transmit a payment by sending an electronic form of payment to the providing peer responsible for outputting the communication, in response to receipt of an invoice relating to a service of delivering the consumer information in a designated data format.

23. In the peer-to-peer system of claim 13, wherein one of the providing peers is operative to output the communication in response to obtaining a match of the request for consumer information against an index defining the consumer information-related records for a database.

24. In the peer-to-peer system of claim 13, the communication comprises a count of each match, a record type of each match, a date of each match, a document type definition for the record type of each match, and a cost per record for each record type.

25. A peer-to-peer system for obtaining consumer information, comprising:

a plurality of authenticated and trusted peer computers, each connected to a communications network, one of the peer computers comprising a requesting peer and the remaining peer computers comprising potential providing peers, wherein;

the requesting peer is operative to;

prepare a query comprising a request for the consumer information and a legal representation affirming a legally allowable purpose for obtaining the consumer information,

transmit the query to at least a selected plurality of the providing peers via the communications network,

receive an advisory communication from at least one of the providing peers computers receiving the query, the communication advising that the providing peer possesses the consumer information,

responsive to receipt of the advisory communication, send a request via the communications network to obtain the consumer information from a particular one of the providing peers responding to the query,

receive the consumer information from the particular providing peer,

transmit a payment as compensation for delivery of the consumer information by the particular providing peer; and

each of the potentially providing peers is operative to;

receive the query from the requesting peer via the communications network,

responsive to the query, complete a search to determine if the providing peer possesses the consumer information requested the requesting peer,

if the providing peer possesses the consumer information, transmit the advisory communication to the requesting peer via the communication network,

if the providing peer is the particular peer selected by the requesting peer, receive the request for the consumer information from the requesting peer, transmit the consumer information to the requesting peer via the communications network, and receive the payment as compensation for delivery of the consumer information to the requesting peer.

26. The peer-to-peer system recited by claim 25, wherein the consumer information comprises one of identification information, demographic information and financial information, each associated with an identifiable individual or entity.

27. The peer-to-peer system recited by claim 25, where the legal representation comprises a statement of fact as of a certain time made by a party requesting the consumer information to another as a term of a consumer information request transaction, wherein the other party can contractually rely on the statement by the requesting party.

28. The peer-to-peer system recited by claim 25, wherein each of the providing peers is operative to transmit the advisory communication in response to obtaining a match of the request for consumer information against an index defining the consumer information-related records for a database accessed by the providing peer.

29. The peer-to-peer system recited by claim 28, wherein the advisory communication comprises a count of each match, a record type of each match, a date of each match, a document type definition for the record type of each match, and a cost per record for each record type.

30. A computer-implemented method for obtaining financial account information about one of an individual or an entity, comprising the steps of:

identifying authenticated peer computers by completing an authentication of each of a plurality of peer computers connected to a communications network;

identifying authenticated and trusted peer computers by completing a trust evaluation for each of the authenticated peer computers, the trust evaluation comprising a determination of whether the authenticated peer computer comprises credentials satisfying trust metrics;

determining a need for certain financial account information for one of the individual or the entity;

accepting a legal representation affirming a legally allowable purpose for obtaining the financial account information;

preparing a query comprising a request for the financial account information and the legal representation;

transmitting the query to a plurality of the authenticated and trusted peer computers via the communications network;

receiving a communication via the communications network from certain responding ones of the plurality of the authenticated and trusted peer computers receiving the query, each communication advising that the responding authenticated and trusted peer computer possesses the financial account information;

selecting one of the responding authenticated and trusted peer computers as a source for the financial account information based on an application of selection criteria;

obtaining the financial account information from the selected one of the responding peer computers via the communications network, the financial account information formatted by the responding peer computer in a designated data format.

31. The computer-implemented method of claim 30, further comprising the step of arranging for a payment as compensation for delivery of the financial account information by the selected one of the responding authenticated and trusted peer computers.

32. The computer-implemented method recited by claim 30 further comprising the step of maintaining a record comprising an identity for each of the authenticated and trusted peer computers.

33. The computer-implemented method recited by claim 30, wherein the financial account information comprises at least one of identification information, demographic information and financial account status, each associated with an identifiable individual or entity.

34. The computer-implemented method recited by claim 30, wherein the legal representation comprises a statement of fact as of a certain time made by a party requesting the financial account information to another as a term of a financial account information request transaction, wherein the other party can contractually rely on the statement by the requesting party.

35. The computer-implemented method recited by claim 30 wherein the step of obtaining the financial account information comprises the steps of:

issuing a request for the financial account information to the selected responding authenticated and trusted peer computer via the communications network; and

receiving the financial account information from the selected responding authenticated and trusted peer computer via the communications network, the financial account information formatted by the responding peer computer in a designated data format.

36. The computer-implemented method recited by claim 30 further comprising the step of obtaining a peer-to-peer software application from a software distributor via the communications network.

37. The computer-implemented method recited by claim 36, further comprising the step of arranging for a payment as compensation for delivery of the financial account information by the selected one of the responding authenticated and trusted peer computers, wherein the step of arranging for a payment comprises a submission of an electronic form of payment to the responding authenticated and trusted computer and the software distributor.

38. The computer-implemented method recited by claim 30 further comprising the step of importing a batch data file comprising a plurality of query records, each query record defining parameters for a corresponding query comprising the request for the financial account information and the legal representation.

39. The computer-implemented method recited by claim 30, wherein the step of preparing the query comprises:

obtaining parameters required to define the query, the parameters including data supporting the request for the financial account information and the legal representation;

agreeing to terms of the legal representation defined by the query; and

identifying the plurality of the peer computers to receive the query.

40. The computer-implemented method recited by claim 30, wherein the communication is output by the responding authenticated and trusted computers in response to obtaining a match of the request for financial account information against an index defining the financial account information-related records for a database, the communication comprising a count of each match, a record type of each match, a date of each match, a document type definition for the record type of each match, and a cost per record for each record type.

41. A computer-implemented method for obtaining skip trace information comprising at least one of an address and a phone number for an individual, comprising the steps of:

identifying a need for the skip trace information for the individual;

accepting a legal representation affirming a legally allowable purpose for obtaining the skip trace information;

preparing a query comprising a request for the skip trace information, identifying information for the individual, and the legal representation;

transmitting the query to a plurality of peer computers via the communications network;

receiving a communication via the communications network from certain responding ones of the plurality of the peer computers receiving the query, each communication advising that the responding peer computer possesses at least a portion of the skip trace information and presenting a payment demand for a purchase of the skip trace information;

selecting one of the responding peer computers as a source for the skip trace information based on an application of selection criteria comprising the completeness and timeliness of the skip trace information and the payment demand;

obtaining the skip trace information from the selected one of the responding peer computers via the communications network in response to issuing a request to the selected responding peer computer;

completing a payment for the purchase of the skip trace information from the selected responding peer computer.

42. The computer-implemented method recited by claim 41, further comprising the step of establishing a network of authenticated and trusted peer computers by completing an authentication of each of a plurality of peer computers connected to a communications network and, for each of the authenticated peer computers, completing a trust evaluation comprising a determination of whether the authenticated peer computer comprises credentials satisfying trust metrics.

43. The computer-implemented method recited by claim 41, wherein the skip trace information comprises one of identification information and demographic information each associated with an identifiable individual or entity.

44. The computer-implemented method recited by claim 41, wherein the step of obtaining the skip trace information comprises:

issuing a request for the skip trace information to the selected one of the responding peer computers via the communications network; and

receiving the skip trace information from the selected one of the responding peer computers via the communications network, the skip trace information formatted by the responding peer computer in a designated data format.

45. The computer-implemented method recited by claim 41, where the legal representation comprises a statement of fact as of a certain time made by a party requesting the skip trace information to another as a term of a skip trace information request transaction, wherein the other party can contractually rely on the statement by the requesting party.

46. The computer-implemented method recited by claim 41, wherein the step of arranging for a payment for delivery of the skip trace information comprises sending an electronic form of payment to the responding peer computer in response to receipt of an invoice relating to a service of delivering the skip trace information in a designated data format.

47. The computer-implemented method recited by claim 41, wherein the communication is output by one of the peer computers in response to obtaining a match of the request for skip trace information against an index defining the skip trace information-related records for a database accessed by the peer computer, the communication comprising a count of each match, a record type of each match, a date of each match, a document type definition for the record type of each match, and a cost per record for each record type.

48. A computer-implemented method for obtaining financial account information comprising at least one current financial account for an individual, comprising the steps of:

establishing a network of authenticated and trusted peer computers by completing an authentication of each of a plurality of peer computers connected to a communications network and, for each of the authenticated peer computers, completing a trust evaluation comprising a determination of whether the authenticated peer computer comprises credentials satisfying trust metrics;

identifying a need for the financial account information for the individual;

accepting a legal representation affirming a legally allowable purpose for obtaining the financial account information;

preparing a query comprising a request for the financial account information, identifying information for the individual, and the legal representation;

transmitting the query to a plurality of the authenticated and trusted peer computers via the communications network;

receiving a communication via the communications network from certain responding ones of the plurality of the authenticated and trusted peer computers receiving the query, each communication advising that the responding authenticated and trusted peer computer possesses at least a portion of the financial account information and presenting a date for the portion of the financial account information, a type of the financial account information, a format of the financial account information and a payment demand for a purchase of the financial account information

selecting one of the responding authenticated and trusted peer computers as a source for the financial account information based on certain selection criteria and the payment demand;

obtaining the financial account information from the selected one of the responding peer computers via the communications network in response to issuing a request to the selected responding peer computer;

completing a payment for the purchase of the financial account information from the selected responding peer computer.

49. The computer-implemented method recited by claim 48, further comprising the step of establishing a network of authenticated and trusted peer computers by completing an authentication of each of a plurality of peer computers connected to a communications network and, for each of the authenticated peer computers, completing a trust evaluation comprising a determination of whether the authenticated peer computer comprises credentials satisfying trust metrics.

50. The computer-implemented method recited by claim 48, wherein the financial account information comprises current account status for an identifiable individual or entity.

51. The computer-implemented method recited by claim 48, wherein the step of obtaining the financial account information comprises:

issuing a request for the financial account information to the selected one of the responding peer computers via the communications network; and

receiving the financial account information from the selected one of the responding peer computers via the communications network, the financial account information formatted by the responding peer computer in a designated data format.

52. The computer-implemented method recited by claim 48, where the legal representation comprises a statement of fact as of a certain time made by a party requesting the financial account information to another as a term of a financial account information request transaction, wherein the other party can contractually rely on the statement by the requesting party.

53. The computer-implemented method recited by claim 48, wherein the step of arranging for a payment for delivery of the financial account information comprises sending an electronic form of payment to the responding peer computer in response to receipt of an invoice relating to a service of delivering the financial account information in a designated data format.

54. The computer-implemented method recited by claim 48, wherein the communication is output by one of the peer computers in response to obtaining a match of the request for financial account information against an index defining the financial account-related records for a database accessed by the peer computer, the communication comprising a count of each match, a record type of each match, a date of each match, a document type definition for the record type of each match, and a cost per record for each record type.