SYSTEM AND METHOD FOR GATHERING, PROCESSING, AUTHENTICATING AND DISTRIBUTING PERSONAL INFORMATION

• US 20090043691A1
• Filed: 08/06/2007
• Published: 02/12/2009
• Est. Priority Date: 08/06/2007
• Status: Abandoned Application

• Current Assignee: Consumerinfo.com Incorporated (Experian plc)
• Original Assignee: Consumerinfo.com Incorporated (Experian plc)
• Inventors: Kasower, Sheldon
• Application Number:
  US11/834,662
• Publication Number:
  US 20090043691A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 30/018 Certifying business or products
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety

Abstract

Various embodiments of this invention are directed towards a system and method for gathering, processing, authenticating and distributing personal information. Various embodiments of the invention disclose a system and method for gathering personal information from a plurality of sources and making the information available for entities that wish to evaluate or screen the individual. Various embodiments of the invention allow the individual to selectively grant permission to the various evaluating entities on specific background information that is stored within the system. Various embodiments allow the individual to submit information and finance the collection of information, whereby the individual can check the information for accuracy and collect commissions based on the access of the information by requesting entities.

Claims

1. A method for gathering, processing, authenticating and distributing an individual'"'"'s personal background information, comprising:

verifying an identity of an individual,

receiving authorization from the individual to gather, process, authenticate and distribute the individual'"'"'s personal background information,

gathering personal background information related to the individual from two or more sources of personal background information,

storing said personal background information related to the individual from two or more sources of personal background information,

allowing the individual to selectively allow access to particular portions of personal background information to selected evaluating entities,

verifying the evaluating entity'"'"'s identity,

allowing access to the evaluating entities in order to request the individual'"'"'s personal background information, and

presenting selected portions of the personal background information related to the individual to the evaluating entity according to the selected access allowed by the individual.

2. A method for gathering, processing, authenticating, and distributing an individual'"'"'s personal background information according to claim 1, further comprising allowing the individual to request investigation of disputed records, see the results of said investigation, and include a personal statement with any records still in dispute.

3. A method for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 1, wherein said two or more sources of personal background information are selected from the following set of entities supplying personal background information:

credit bureaus, financial institutions, criminal databases, sexual crime databases, civil litigation databases, county recorder databases, school and university databases, medical and heath institutions, religious institutions, prior employers, prior landlords, and individual references.

4. A method for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 1 further comprising charging a fee to the individual.

5. A method for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 1 further comprising charging a fee to the evaluating entity with a commission paid to the individual.

6. A method for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 1, wherein said method is conducted over one or more of the following mediums:

telephone, facsimile, mail, or the world-wide-web.

7. A method for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 1 further comprising:

periodically updating said personal background information.

8. A method for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 7, wherein the individual selects intervals at which the personal background information is periodically updated.

9. A method for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 7, wherein the personal background information is updated at each request from the evaluating entity.

10. A system for gathering, processing, authenticating and distributing an individual'"'"'s personal background information, comprising:

a database that stores data related to an individual'"'"'s personal background information and allows individuals and evaluating entities to selectively access said database,

said database being configured to;

verify the identity of the individual,

receive authorization from the individual to gather, process, and distribute the individual'"'"'s personal background information,

gather personal background information related to the individual from two or more sources of personal background information,

store said personal background information related to the individual from two or more sources of personal background information,

allow the individual to selectively allow access to particular portions of personal background information related to the individual to selected evaluating entities,

verify the evaluating entity'"'"'s identity,

allow access to the evaluating entities in order to request the individual'"'"'s personal background information, and

present selected portions of the personal background information related to the individual to the evaluating entity according to the selected access allowed by the individual.

11. A system for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 10, wherein said two or more sources of personal background information are selected from the following set of entities supplying personal background information:

credit bureaus, financial institutions, criminal databases, sexual crime databases, civil litigation databases, county recorder databases, school and university databases, medical and heath institutions, religious institutions, prior employers, prior landlords, and individual references.

12. A system for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 10, wherein a fee is charged by said system to the individual.

13. A system for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 10, wherein a fee is charged by said system to the evaluating entity with a commission paid to the individual.

14. A system for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 10, wherein said system is operated over one or more of the following mediums:

telephone, facsimile, mail, or the world-wide-web.

15. A system for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 10 wherein said database periodically updates said personal background information.

16. A system for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 15, wherein the individual selects intervals at which the personal background information is periodically updated by said database.

17. A system for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 15, wherein the personal background information is updated by the database at each request from the evaluating entity.

18. A world-wide-web based system for gathering, processing, authenticating and distributing an individual'"'"'s personal background information, comprising:

a web page that may be accessed by individuals and evaluating entities in order to access and control a database system for said world-wide-web based system for gathering, processing, authenticating and distributing an individual'"'"'s personal background information,

said database system being configured to;

store data related to the individual'"'"'s personal background information and allow individuals and evaluating entities to selectively access said database over the world-wide-web,

verify an identity of an individual,

receive authorization from the individual from said web page to gather, process, and distribute the individual'"'"'s personal background information,

gather personal background information related to the individual from two or more sources of personal background information,

store said personal background information related to the individual from two or more sources of personal background information,

allow the individual to selectively allow access from said web page to particular portions of personal background information related to the individual from two or more sources of personal background information to selected evaluating entities,

verify the evaluating entity'"'"'s identity,

allow access to the evaluating entities from said web page in order to request the individual'"'"'s personal background information, and

present selected portions from said web page of the personal background information related to the individual from two or more sources of personal background information to the evaluating entity according to the selected access allowed by the individual.

19. A world-wide-web based system for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 18, wherein said two or more sources of personal background information are selected from the following set of entities supplying personal background information:

credit bureaus, financial institutions, criminal databases, sexual crime databases, civil litigation databases, county recorder databases, school and university databases, medical and heath institutions, religious institutions, prior employers, prior landlords, and individual references.

20. A world-wide-web based system for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 18, wherein a fee is charged by said system to the individual'"'"'s credit card based upon credit card information supplied by the information over said web page.

21. A world-wide-web based system for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 18, wherein a fee is charged by said system to the evaluating entity'"'"'s credit card based upon credit card information supplied by the information over said web page with a commission paid to the individual.

22. A world-wide-web based system for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 18 wherein said database periodically updates said personal background information.

23. A system for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 22, wherein the individual selects intervals at which the personal background information is periodically updated by said database.

24. A system for gathering, processing, authenticating and distributing an individual'"'"'s personal background information according to claim 22, wherein the personal background information is updated by the database at each request from an evaluating entity.