INFORMATION TRANSACTIONS OVER A NETWORK
First Claim
1. A method for managing information in an environment that includes a host system, comprising:
- receiving, at the host system, a signal to modify an electronic input interface;
modifying the electronic input interface at the host system to indicate entry of consumer profile information corresponding to the signal;
collecting, at the host system, the consumer profile information entered in the electronic input interface;
transferring the collected consumer profile information from the host system to a data repository for storage in an information account logically associated with an exchange, the exchange comprising a group of one or more servers authorized and configured to accept the consumer profile information from a particular information account upon request;
receiving, at the host system, a request from the exchange for consumer profile information associated with a specific information account; and
responding to the request at the host system by retrieving some of the consumer profile information from the data repository and conveying the retrieved consumer profile information to the requesting exchange, provided that the information account storing the consumer profile information is associated with the requesting exchange.
5 Assignments
0 Petitions
Accused Products
Abstract
In one example, a method for managing information in an environment that includes a client device includes accessing, at the client device, an electronic input interface. Next, the client device transmits a signal to a host system associated with the electronic input interface by entering consumer profile information into the electronic input interface. A request is then made for creation of an information account for storage of the consumer profile information. The client device then receives authentication information from the host system. Finally, the client device enables the vendor to access some of the consumer profile information stored in the information account.
118 Citations
90 Claims
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1. A method for managing information in an environment that includes a host system, comprising:
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receiving, at the host system, a signal to modify an electronic input interface; modifying the electronic input interface at the host system to indicate entry of consumer profile information corresponding to the signal; collecting, at the host system, the consumer profile information entered in the electronic input interface; transferring the collected consumer profile information from the host system to a data repository for storage in an information account logically associated with an exchange, the exchange comprising a group of one or more servers authorized and configured to accept the consumer profile information from a particular information account upon request; receiving, at the host system, a request from the exchange for consumer profile information associated with a specific information account; and responding to the request at the host system by retrieving some of the consumer profile information from the data repository and conveying the retrieved consumer profile information to the requesting exchange, provided that the information account storing the consumer profile information is associated with the requesting exchange. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method for managing information in an environment that includes a client device, comprising:
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accessing, at the client device, an electronic input interface; transmitting, with the client device, a signal to a host system associated with the electronic input interface by entering consumer profile information into the electronic input interface; requesting creation of an information account for storage of the consumer profile information; receiving, at the client device, authentication information from the host system; and enabling access to some of the consumer profile information stored in the information account. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
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24. A method for data management, the method comprising:
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storing a consumer information account that comprises first and second data aggregates, the first data aggregate including a consumer information element that constitutes the same data as a consumer information element of the second data aggregate; flagging each of the consumer information elements to indicate that both consumer information elements constitute the same data; updating the consumer information element of the first data aggregate in response to a request; and delaying a corresponding update to the information element of the second data aggregate until the next time the information account is accessed, so that a data inconsistency in the information account is allowed to exist for a period of time. - View Dependent Claims (25, 26, 27, 28)
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29. A consumer information account for storing consumer information elements, comprising:
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a primary record configured to store a plurality of general consumer information elements about a consumer; and one or more secondary records that each store consumer information elements that are specific to a particular product or service associated with a vendor, the one or more secondary records and the primary record being stored in a data repository accessible by a database management system. - View Dependent Claims (30, 31, 32, 33, 34)
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35. A server programmed to manage consumer information, the server comprising:
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a database management system programmed to; receive, from one or more network devices, requests for access to a plurality of consumer information accounts stored in a data repository accessible to the database management system, each request including consumer authentication information; authenticate or deny each request based on the consumer authentication information; and for each authenticated request, transmit one or more consumer information elements from the corresponding consumer information account to the requesting network device; a first authentication table including data that correlates each of one or more temporary authorizations with a different set of consumer-defined attributes, each of the different set of consumer-defined attributes defining access privileges to a corresponding consumer information account that will be granted to an entity that presents the temporary authorization to the host server; and an authentication module programmed to; compare each temporary authorization presented to the host server to the data in the first authentication table to determine a level of access to grant to the entity that presents the temporary authorization; and grant the level of access subsequent to receipt of the temporary authorization. - View Dependent Claims (36, 37, 38, 39)
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40. A system comprising:
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a transaction log stored in a data repository and associated with one or more consumer information accounts stored in the data repository, wherein the transaction log records information relevant to transactions that involve the one or more associated consumer information accounts; and an extraction module programmed to extract transaction information from the transaction log and translate the extracted transaction information into a format that can be interpreted by a financial processing system; wherein the system is configured to process the transaction information to ensure that revenue generated by a transaction that involves one of the one or more associated consumer information accounts is shared with an entity that facilitated creation of the one of the one or more associated consumer information accounts. - View Dependent Claims (41, 42)
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43. A method, comprising:
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storing consumer profile information in each of a plurality of information accounts on behalf of a plurality of exchanges, each of said exchanges comprising a logical grouping of one or more servers communicating with user devices over a distributed network, and each information account being affiliated with at least one of said exchanges; applying a transformation mechanism to data in one or more information accounts so that only specified data elements are extracted from the information account; retrieving the specified data elements from the consumer profile information and conveying the retrieved data elements to said exchanges in response to requests from servers within said exchanges resulting from consumer-initiated requests requiring use of the consumer profile information; and imposing fees for conveying consumer profile information to the exchanges. - View Dependent Claims (44, 45, 46, 47, 48)
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49. A method, comprising:
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gathering consumer profile information at each of a plurality of exchanges, each exchange comprising a logical grouping of one or more servers communicating with user devices over a distributed network; normalizing some of the consumer profile information into a plurality of discrete data aggregates; sending, from each exchange and over the distributed network, the normalized consumer profile information to a shared data repository for storage in information accounts associated with the originating exchange; and receiving, at each exchange, normalized consumer profile information from the exchange'"'"'s shared data repository in response to consumer-initiated requests requiring use of the consumer profile information.
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50. A method for managing consumer information, comprising:
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storing a branded information account in a data repository accessible via a distributed network, the branded information account comprising a plurality of consumer information elements associated with a consumer and identifying a sponsor of the branded information account; receiving, over the distributed network, a request from a network device for one or more selected consumer information elements, the request including consumer authentication information and being made by the network device responsive to an input command; and in response to the request; performing an authentication process using the authentication information; retrieving the selected consumer information elements from the branded information account, wherein retrieving the selected consumer information elements includes applying a transformation mechanism to data in the branded information account so that only the requested consumer information elements are extracted from the information account; and transmitting the selected consumer information elements, over the distributed network, to the network device. - View Dependent Claims (51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66)
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67. A method for managing consumer information, comprising:
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storing an information account in a central data repository accessible via the distributed network, the information account comprising a plurality of consumer information elements associated with a consumer and identifying a sponsor of the information account; normalizing some of the consumer information elements into one or more discrete data aggregates; receiving, over the distributed network, a request from a client device for one or more selected consumer information elements, the client device interacting with a web page file hosted by a vendor server, the vendor server being a member of an exchange comprising a logical grouping of servers authorized to interact with one or more information accounts, the request including consumer authentication information and an exchange identifier and being made by the client device responsive to an input command supplied by the consumer; and in response to the request, authenticating the client device using the authentication information by; authenticating the exchange identifier to ensure that the exchange is authorized to interact with the information account; retrieving the selected consumer information elements from the information account, where retrieving the selected consumer information elements includes applying a transformation mechanism to data in the information account so that only the requested consumer information elements are extracted from the information account; and transmitting the selected consumer information elements, over the distributed network, to the client device. - View Dependent Claims (68, 69, 70, 71, 72, 73, 74, 75)
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76. A method for managing consumer information, comprising:
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storing an information account in a central data repository accessible via a distributed network, the information account having been created via a website associated with an originating vendor; encrypting a plurality of consumer information elements and storing the plurality of consumer information elements in the information account; receiving, over the distributed network, a request from a network device for one or more selected consumer information elements, the request including consumer authentication information and being made by the network device responsive to an input command; in response to the request, authenticating the consumer based on the authentication information, retrieving the selected consumer information elements from the information account, and transmitting the selected consumer information elements, over the distributed network, to the network device; wherein the network device auto-populates the consumer information elements into a web page file displayed to the consumer for optional editing by the consumer and for submission to a business process, associated with a vendor, for completion of a transaction; and in response to receiving, over the distributed electronic network, an acknowledgment from the network device that the transaction has been completed, sharing any revenue received in connection with the transaction with the originating vendor and the transacting vendor according to a revenue sharing model. - View Dependent Claims (77, 78, 79, 80, 81, 82, 83, 84)
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85. A system for managing consumer information, comprising:
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a data repository for storing a plurality of information accounts accessible via a distributed network, the information accounts each comprising a plurality of consumer information elements associated with a consumer; a host server in communication with the distributed network and hosting a database management system for interacting with the data repository; at least one exchange comprising a logical grouping of vendor servers in communication with the distributed network and authorized to interact with one or more of the information accounts; a client device in communication with the distributed network and executing a browser for interacting with a web page file associated with a vendor server; wherein the client device requests from the host server one or more selected consumer information elements from the information account of the consumer, the request including consumer authentication information and an exchange identifier identifying the exchange of which the vendor server is a member; and wherein in response to the request from the client device, the host server authenticates the consumer based on the authentication information, authenticates the exchange identifier to ensure that the exchange is authorized to interact with the information account of the consumer, retrieves the selected consumer information elements from the information account of the consumer, and transmits the selected consumer information elements, over the distributed network, to the client device. - View Dependent Claims (86, 87, 88, 89, 90)
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Specification