METHOD AND SYSTEM PROVIDING ADVICE AND SERVICES TO CONSUMERS

• US 20120304308A1
• Filed: 05/02/2012
• Published: 11/29/2012
• Est. Priority Date: 03/14/2001
• Status: Active Grant

• Current Assignee: Kalenda Pty., Ltd.
• Original Assignee: Crgroup Pty Limited
• Inventors: Sinclair, Trevor, David, Paul J., Sherman, Andrew, Quirk, Paul
• Granted Patent: US 8,543,410 B2
• Time in Patent Office: Days
• US Class Current: 726/28
• CPC Class Codes: G06F 21/6245 Protecting personal data, e.g. for financial or medical purposes
• CPC Class Codes: G06Q 10/00 Administration; Management
• CPC Class Codes: G06Q 10/06 Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety

Abstract

The present invention provides a method and system for providing advice and/or services to a consumer including the secure electronic storage of rich private personal data preferably held on behalf of persons entities. The system provides the applications, processes, controls and data management services to collect, transfer, store and selectively retrieve data necessary to perform specified planning and decision support activities that have been integrated with the secure data store. The invention provides for the data owner and authorized persons to gain access to accessible data to undertake permitted tasks. These tasks may include receiving data, or undertaking planning, or such other tasks as prescribed. In an embodiment, the system limits access to applications to authorized persons and requires permissions from the owner in order to manage data privacy standards. The system allows the owner to provide and revoke access to applications and tracks and records all access events.

Claims

1. A computer implemented method for providing advice or service to a consumer, the method comprising:

one or more processors executing instruction code to;

store personal data in a secure repository, that is designated for the consumer and that is connected to a data communications network;

store at least one segment of advice or service computer instruction code into the secure repository, wherein the secure repository is designated for the consumer;

authorize, through the use of a processor, at least one advice or service provider, or class of advice or service providers to access the executing instruction code across the data communications network, upon provision of necessary authentication, allowing the advice or service providers'"'"' execution of the at least one segment of advice or service computer instruction code;

authorize the advice or service provider to deposit results from executing the least one segment of advice or service executing instruction code into the secure repository; and

provide access to results deposited into the secure repository to review the advice or service.

19. A computer implemented method according to claim 1 further including one or more processors executing computer readable instruction code to:

allow the consumer to alter authorization previously provided to the advice or service provider, or class of advice or service providers.

2. A computer implemented system for providing advice or service to a consumer, the system including:

a secure repository, that is designated for the consumer, and that is connected to a data communications network for storage of items of personal data of the consumer, wherein the secure repository is configured to execute computer-readable program code to;

store at least one segment of advice or service computer instruction code into the secure repository, wherein the secure repository is designated for the consumer;

provide identification of a particular advice or service provider or a class of advice or service providers to the consumer, such that the consumer may select to whom access to the at least one segment of advice or service computer instruction code is provided; and

a processing device associated with the computer implemented system, the processing device configured to execute computer-readable program code to;

authenticate the identity of one or more authorized advice or service providers;

provide an authenticated authorized advice or service provider access to execute the at least one segment of advice or service computer instruction code, wherein the at least one segment of advice or service computer instruction code executing functions include specified items of the personal data in the secure repository and provide results of the executing functions to the authenticated authorized advice or service provider; and

allow the authenticated authorized advice or service provider to deposit results into the secure repository for subsequent access by the consumer.

15. A computer implemented system according to claim 2 wherein providing identification of a particular advice or service provider or a class of advice or service providers to the consumer, such that the consumer may select to whom access to the at least one segment of computer instruction code is provided, further comprises a processing device, wherein the processing device executes computer instruction code to:

display available advice or service providers to the consumer; and

provide a selection means for the consumer to select the available advice or service providers from the available advice or service providers, wherein the processing device is operably connected to the data communications network.

16. A computer implemented system according to claim 2 wherein authenticating the identity of one or more authorized advice or service providers, further comprises a processing device operably connected to the secure repository, the processing device configured to receive authentication information from one advice or service provider, among the one or more authorized advice or service providers, across the data communications network and that confirms the identity of the one or more authorized advice or service providers using authentication information.

17. A computer implemented system according to claim 16 wherein the processing device executes computer instruction code comprising a web browser, wherein the executed computer instruction code allows the processing device to communicate with the secure repository across the data communications network in accordance with world wide web protocols.

18. A computer implemented system according to claim 2 wherein the items of personal data of the consumer stored in the secure repository relate to at least one of the following:

accounting records;

financial records;

health records;

insurance records;

estate records;

values of the consumer;

attitudes of the consumer;

personal goals of the consumer; and

preferred outcomes of the consumer.

20. A computer implemented system according to claim 2 wherein proving identification of a particular advice or service provider or a class of advice or service providers to the consumer, such that the consumer may select to whom access to the at least one segment of advice or service computer instruction code is provided allows the consumer to alter the access to the at least one segment of the advice or service computer instruction code.

23. A computer implemented system according to claim 2 wherein providing the authenticated authorized advice or service provider access to execute the at least one segment of advice or service computer instruction code further comprises a processing device configured to executing computer instruction code that identifies the at least one segment of computer instruction code for which the authenticated authorized advice or service provider has been granted access, the processing device being operably connected to the data communications network.

24. A computer implemented system according to claim 2 wherein the secure repository includes a processing device configured to execute computer instruction code to operate a database function, the processing device includes additional computer instruction code operable to perform functions on items of personal data belonging to consumers wherein the functions generate results that are transmitted to the authenticated authorized advice or service provider.

3. A computer implemented method for a consumer to receive advice or service, the method being executed by one or more processors executing instruction code, the method comprising:

storing personal data in a consumer designated section of a secure repository, wherein the secure repository is connected to a data communications network;

approving at least one segment of advice or service computer instruction code for execution to perform functions in respect of a consumer'"'"'s personal data file, the approval occurring by receiving authorization from the consumer to store the at least one segment of advice or service computer instruction code into the consumer designated section of the secure repository;

authorizing, through the use of a processor, at least one advice or service provider, or a class of advice or service providers, to execute the at least one segment of advice or service computer instruction code and store results into the consumer designated section of the secure repository; and

allowing access to the consumer designated section of the secure repository to the at least one advice or service provider, or the class of advice or service providers, wherein consumer designated section of the secure repository accessed are designated sections relating to advice or service that are provided by the at least one advice or service provider, or the class of advice or service providers receiving access.

4. A method according to claim 3 wherein the personal data comprises data representing at least one of the following:

values or attitudes of the consumer;

personal goals that the consumer intends to achieve in a specified period of time;

preferred outcomes for the consumer over a specified period of time; and

a prioritized listing of any one or more of the values or attitudes of the consumer, the consumer'"'"'s personal goals that the consumer intends to achieve in a specified period of time, and the consumer'"'"'s preferred outcomes over a specified period of time.

5. A method according to claim 3 further comprising storing and designating consumer computer instruction code, through the use of a processor, in the consumer designated section of the secure repository that is to be accessible to at least one other consumer.

6. A method according to claim 3 further comprising storing and designating consumer computer instruction code, through the use of a processor, in the consumer designated section of the secure repository that is to be accessible to at least one class of consumers.

14. A method according to claim 3 further comprising:

one or more processors executing instruction code that records instances of access to items of personal data in the secure repository.

21. A computer implemented method according to claim 3 further comprising:

providing the consumer an ability to alter authority of the authorized advice or service provider.

25. A computer implemented method according to claim 3 further providing a result to an advice or service provider without revealing underlying personal items of data.

26. A computer implemented method according to claim 5 wherein the consumer computer instruction code is allowed to be configured by the consumer to provide access to the consumer designated section of the secure repository to at least one other consumer.

27. A computer implemented method according to claim 6 wherein the consumer computer instruction code is allowed to be configured by the consumer to provide to the consumer designated section of the secure repository to at least one class of consumers.

7. A computer readable medium having computer instruction code embedded thereon, the computer instruction code being executable by a processor for performing a method of providing advice or service to a consumer, the method comprising:

receiving a request from the consumer to store personal data in a consumer designated section of the secure repository that is connected to a data communications network;

receiving details from the consumer of at least one advice or service provider, or class of advice or service providers, that are authorized to provide advice or services to the consumer;

receiving a request from a consumer to store a segment of advice or service computer instruction code in the consumer designated section of the secure repository;

receiving a request from an authorized advice or service provider to access the segment of advice or service computer instruction code in the consumer designated section of the secure repository upon provision of necessary authentication, the authorized advice or service provider executing the segment of advice or service computer instruction code in the consumer designated section of the secure repository and depositing results into to the consumer designated section of the secure repository, wherein the results represent advice or service provided to the consumer; and

receiving a request from the consumer to access the results deposited into the consumer designated section of the secure repository.

8. A computer readable medium according to claim 7, comprising:

receiving a request from the authorized advice service provider to access information relating to advice or service previously deposited by another advice or service provider in the consumer designated section of the secure repository; and

allowing the authorized advice or service provider to access the information previously deposited by the other advice or service provider in an event that the request from the authorized advice or service provider to access information relating to advice or a service previously deposited by another advice or service provider in the consumer designated section of the secure repository for the previously deposited information is permitted.

9. A computer readable medium according to claim 8, further comprising:

receiving details from the consumer specifying which of the information previously deposited is to be accessible by the authorized advice or service provider.

10. A computer readable medium according to claim 7, wherein the personal data comprises data representing at least one of the following:

an indication of values or attitudes of the consumer;

an indication of at least one personal goal that the consumer intends to achieve over a specified period of time;

an indication of preferred outcomes of the consumer over a specified period of time; and

an indication of a priority of any one of the values or attitudes of the consumer, the at least one personal goal that the consumer intends to achieve in a specified period of time, and the preferred outcomes over a specified period of time.

11. A computer readable medium according to claim 7, further comprising at least one of the following:

recordation of instances of access to items of the personal data in the consumer designated section of the secure repository;

recordation of instances of depositing information in the consumer designated section of the secure repository; and

recordation of instances of changes to the items of the personal data in the consumer designated section of the secure repository.

12. A computer readable medium according to claim 7, further comprising:

receiving details from the consumer regarding storing and designating consumer computer instruction code in the consumer designated section of the secure repository that is to be accessible to at least one other consumer.

13. A computer readable medium according to claim 7, further comprising:

receiving details from the consumer regarding storing and designating consumer computer instruction code in the consumer designated section of the secure repository that is accessible to at least one class of consumers.

22. A computer readable medium according to claim 7, further comprising:

receiving, from the consumer, details of at least one advice or service provider or class of advice or service provider for whom authority is to be altered.

28. A computer readable medium according to claim 12 further comprising:

allowing the consumer computer instruction code to be configured by the consumer to provide access to items of the in the consumer designated sections of the secure repository to the at least one other consumer.

29. A computer readable medium according to claim 13 further comprising:

allowing the consumer to configure the consumer computer instruction code to provide access to the consumer designated sections of the secure repository to at least one other class of consumers.