System and method for automated access to personal information

• US 6,405,245 B1
• Filed: 10/27/1999
• Issued: 06/11/2002
• Est. Priority Date: 10/28/1998
• Status: Expired due to Term

• Current Assignee: Yodlee Incorporated (Envestnet Incorporated)
• Original Assignee: VerticalOne Corp. (Envestnet Incorporated)
• Inventors: Ulberg, Dima, Burson, Robert, Freishtat, Gregg
• Primary Examiner(s): Coulter, Kenneth R.
• Application Number:
  US09/427,602
• Time in Patent Office: 958 Days
• Field of Search: 707/10, 709/230, 709/217, 345/705
• US Class Current: 709/217
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06F 16/954 Navigation, e.g. using categorised browsing
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 63/102 Entity profiles
• CPC Class Codes: H04L 67/01 Protocols
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]
• CPC Class Codes: H04L 67/10 in which an application is distributed across nodes in the network software deployment G06F8/60; multiprogramming arrangements G06F9/46
• CPC Class Codes: H04L 67/306 User profiles
• CPC Class Codes: H04L 67/34 involving the movement of software or configuration parameters network booting or remote initial program loading [RIPL] G06F9/4416
• CPC Class Codes: H04L 67/53 using third party service providers
• CPC Class Codes: H04L 67/54 Presence management, e.g. monitoring or registration for receipt of user log-on information, or the connection status of the users
• CPC Class Codes: H04L 67/55 Push-based network services
• CPC Class Codes: H04L 67/56 Provisioning of proxy services store-and-forward switching systems in data switching networks H04L12/54
• CPC Class Codes: H04L 67/563 Data redirection of data network streams
• CPC Class Codes: H04L 67/564 Enhancement of application control based on intercepted application data
• CPC Class Codes: H04L 67/565 Conversion or adaptation of application format or content adding application control or application functional data H04L67/561
• CPC Class Codes: H04L 67/567 Integrating service provisioning from a plurality of service providers
• CPC Class Codes: H04L 69/329 : in the application layer [OSI layer 7]
• CPC Class Codes: H04L 9/40 : Network security protocols

Abstract

This invention is a system and method for automated access to personal information associated with an end user, wherein the personal information is stored on a personal information provider. A representation of the personal information and a link corresponding to the personal information stored on the personal information are presented to the end use via a client computer. Upon activation of the link, the client computer is automatically driven to the personal information provider presenting to the user via the client computer a page on the personal information provider.

Claims

1. A method for automated access to personal information associated with an end user, wherein the personal information is stored on a personal information provider, the method comprising the steps of:

(a) presenting on a client computer associated with the end user and in communication with the personal information provider via a network a representation of personal information and a link corresponding to the personal information stored on the personal information provider; and

(b) upon activation of the presented link, transmitting a page containing a form which includes login information that upon opening by the client computer redirects the client computer to a post login page on the personal information provider in accordance with a protocol, the personal information accessible to the client computer in accordance with the protocol also being accessible by the end user via the network independently of the method for automated access to personal information.

2. A method for automated access to personal information associated with an end user, wherein the personal information is stored on a personal information provider, the method comprising the steps of:

(a) presenting on a client computer associated with the end user and in communication with the personal information provider via a network a representation of personal information and a link corresponding to the personal information stored on the personal information provider;

(b) upon activation of the presented link, downloading an application to the client computer, wherein the downloaded application upon execution on the client computer performs the steps of;

(i) connecting to the personal information provider;

(ii) navigating to the personal information on the personal information provider using a protocol for instructing the client computer how to access the personal information via the network, the personal information accessible to the client computer using the protocol also being accessible by the end user via the network independently of the method for automated access to personal information; and

(iii) presenting the personal information to the user of the client computer.

3. The method of claim 2, and further comprising the steps of:

(c) transmitting end user data associated with the end user to the client computer; and

(d) transmitting personal information provider data associated with the personal information provider to the client computer.

4. The method of claim 3, wherein the step of transmitting personal information provider data associated with the personal information provider comprises transmitting a navigation script corresponding to the personal information.

5. The method of claim 4, wherein the step of transmitting end user data associated with the end user comprises transmitting end user data associated with the end user based on the transmitted navigation script.

6. The method of claim 2, and further comprising the step of generating an application for downloading to the client computer based on personal information provider data associated with the personal information provider, on the personal information and on end user data associated with the end user.

7. A method for automated access to personal information associated with an end user, wherein the personal information is stored on a personal information provider, the method comprising the steps of:

(a) presenting on a client computer associated with the end user and in communication with the personal information provider via a network a representation of personal information and a link corresponding to the personal information stored on the personal information provider;

(b) upon activation of the presented link, driving the client computer to the personal information stored on the personal information provider by performing the steps of;

(i) connecting to the personal information provider;

(ii) navigating to the personal information on the personal information provider using a protocol for instructing the client computer how to access the personal information via the network, the personal information accessible to the client computer using the protocol also being accessible by the end user via the network independently of the method for automated access to personal information;

(iii) presenting the personal information to the user of the client computer; and

(iv) proxying subsequent requests from the client computer to the personal information provider.

8. A computer-readable storage device storing instructions that upon execution cause a processor to automatically access personal information associated with an end user, wherein the personal information is stored on a personal information provider by performing the steps comprising of:

(a) presenting on a client computer associated with the end user and in communication with the personal information provider via a network a representation of personal information and a link corresponding to the personal information stored on the personal information provider;

(b) upon activation of the presented link, downloading an application to the client computer, wherein the downloaded application upon execution on the client computer performs the steps of;

(i) connecting to the personal information provider;

(ii) navigating to the personal information on the personal information provider using a protocol for instructing the client computer how to access the personal information via the network, the personal information accessible to the client computer using the protocol also being accessible by the end user via the network independently of automatic access by the processor of personal information caused by execution of the instructions; and

(iii) presenting the personal information to the user of the client computer.

9. A system for automated access to personal information associated with an end user, wherein the personal information is stored on a personal information provider in communication with a client computer via a network, the system comprising:

(a) a user store for storing data associated with the end user, the data associated with the end user including information identifying a plurality of information providers storing personal information associated with the end user;

(b) a personal information provider store for storing data associated with the personal information provider, the data associated with the personal information provider including a protocol for instructing a processor how to access the personal information via the network; and

(c) a processor in communication with the user store and the personal information provider store, the processor for performing the steps of;

(i) presenting on a client computer associated with the end user a representation of personal information and a link corresponding to the personal information stored on the personal information provider;

(ii) upon activation of the presented link, downloading an application to the client computer, wherein the downloaded application upon execution on the client computer performs the steps of;

(A) connecting to the personal information provider;

(B) navigating to the personal information on the personal information provider using the protocol, the personal information accessible to the client computer using the protocol also being accessible by the end user via the network independently of the system for automated access to personal information; and

(C) presenting the personal information to the user of the client computers.