System and method for determining revenue from an intermediary derived from servicing data requests

• US 6,567,850 B1
• Filed: 10/27/1999
• Issued: 05/20/2003
• Est. Priority Date: 10/28/1998
• Status: Expired due to Term

• Current Assignee: Yodlee Incorporated (Envestnet Incorporated)
• Original Assignee: Yodlee Incorporated (Envestnet Incorporated)
• Inventors: Freishtat, Gregg, Rajan, Palaniswamy
• Primary Examiner(s): Rice, Kenneth R.
• Application Number:
  US09/427,794
• Time in Patent Office: 1,301 Days
• Field of Search: 705/34, 709/224
• US Class Current: 709/224
• 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 determining revenue from an intermediary derived from end user interactions involving personal information via the intermediary. A host computer monitors interactions between end users and personal information providers via an intermediary computer. The host computer communicates with a personal information store for storing personal information associated with end users and an accounting store for storing accounting data associated with the intermediary computer. The host computer includes a processor that receives requests concerning personal information from the intermediary computer and services these requests based on personal information in the personal information store. The host computer processor updates the accounting data associated with the intermediary computer and generates invoices to the intermediary computer based on the updated accounting data.

Claims

1. A method for monitoring interactions between a personal information provider and an end user of personal information via an intermediary computer to determine revenue derived from the interactions, comprising the steps of:

(a) receiving from the intermediary computer a request concerning personal information associated with the end user;

(b) servicing the received request based on the personal information associated with the end user stored at the personal information provider;

(c) updating accounting data associated with the intermediary computer based on the serviced request; and

(d) generating an invoice to the intermediary computer based on the updated accounting data associated with the intermediary computer.

2. The method of claim 1, wherein the step of generating an invoice occurs periodically.

3. The method of claim 1, and further comprising the step of delivering the generated invoice to a selected destination.

4. The method of claim 3, wherein the selected destination is selected from the group consisting of an electronic mail destination, a print device, a Web page residing on a Web server, an Internet client, a telephone, and a facsimile.

5. The method of claim 1, and further comprising the step of debiting an account associated with the intermediary computer.

6. The method of claim 1, wherein the step of servicing the received request comprises providing personal information to the intermediary computer.

7. The method of claim 6, wherein the step of updating accounting data associated with the intermediary computer comprises incrementing a count of requests concerning personal information made via the intermediary computer for a selected time period.

8. The method of claim 7, and further comprising the step of debiting an account associated with the intermediary computer based on the count of requests.

9. The method of claim 6, wherein the step of updating accounting data associated with the intermediary computer comprises incrementing a count of users associated with the intermediary computer if an end user has not accessed his personal information via the intermediary computer for a selected time period.

10. The method of claim 9, and further comprising the step of debiting an account associated with the intermediary computer based on the count of users.

11. The method of claim 1, wherein the step of servicing the received request comprises executing a transaction involving personal information via the intermediary computer.

12. The method of claim 11, wherein the step of updating accounting data associated with the intermediary computer comprises incrementing a count of requests concerning personal information made via the intermediary computer for a selected time period.

13. The method of claim 12, and further comprising the step of debiting an account associated with the intermediary computer based on the count of requests.

14. The method of claim 11, wherein the step of updating accounting data associated with the intermediary computer comprises incrementing a count of users associated with the intermediary computer if an end user has not executed a transaction concerning his personal information via the intermediary computer for a selected time period.

15. The method of claim 14, and further comprising the step of debiting an account associated with the intermediary computer based on the count of users.

16. The method of claim 11, wherein the step of updating accounting data associated with the intermediary computer comprises incrementing a commission total associated with the intermediary computer for a selected time period based on the executed transaction.

17. The method of claim 16, and further comprising the step of debiting an account associated with the intermediary computer based on the commission total.

18. A computer-readable storage device containing instructions that upon execution cause a processor to monitor interactions between a personal information provider and an end user of personal information via an intermediary computer to determine revenue derived from the interactions by performing the steps comprising of:

(a) receiving from the intermediary computer a request concerning personal information associated with the end user;

(b) servicing the received request based on the personal information associated with the end user stored at a selected information provider;

(c) updating accounting data associated with the intermediary computer based on the serviced request; and

(d) generating an invoice to the intermediary computer based on the updated accounting data associated with the intermediary computer.

19. The storage device of claim 18, and storing further instructions that upon execution cause the processor to perform the step of delivering the generated invoice to a selected destination.

20. The storage device of claim 18, and storing further instructions that upon execution cause the processor to perform the step of debiting an account associated with the intermediary computer.

21. A system for monitoring interactions between a personal information provider and an end user of personal information via an intermediary computer to determine revenue derived from the interactions, comprising:

(a) a personal information store for storing personal information associated with an end user;

(b) an accounting store for storing accounting data associated with the intermediary computer;

(c) a host computer in communication with the personal information store, the accounting store and the intermediary computer, the host computer comprising a processor for performing the steps of;

(i) receiving from the intermediary computer a request concerning personal information associated with the end user;

(ii) servicing the received request based on the personal information associated with the end user stored in the personal information store;

(iii) updating accounting data associated with the intermediary computer based on the serviced request in the accounting store; and

(iv) generating an invoice to the intermediary computer based on the updated accounting data associated with the intermediary computer from the accounting store.

22. The system of claim 21, wherein the host computer processor performs the additional step of delivering the generated invoice to a selected destination.

23. The system of claim 21, wherein the host computer processor performs the additional step of debiting an account associated with the intermediary computer.