System and method for distributed storage and retrieval of personal information

• US 6,871,220 B1
• Filed: 10/27/1999
• Issued: 03/22/2005
• 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): Alam, Hosain
• Assistant Examiner(s): NGUYEN, THU HA T
• Application Number:
  US09/427,787
• Time in Patent Office: 1,973 Days
• Field of Search: 709/217, 709/218, 709/224, 709/229, 705/10, 705/35, 705/36, 707/10, 379/202, 370/546
• US Class Current: 709/218
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]
• 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 69/329 in the application layer [OSI layer 7]
• CPC Class Codes: H04L 9/40 Network security protocols

Abstract

A system for distributing, storing and retrieving information associated with an end user from one or more information providers between a host computer and a client computer associated with the end user according to the present invention includes a host computer with a processor. The processor aggregates information associated with the end user and transmits the information to the client computer associated with the end user. The processor receives requests concerning the aggregated information from a variety of sources. The processor also receives the previously transmitted aggregated information from the client computer. The processor proceeds to service the received request based on the aggregated information received from the client computer.

Claims

1. A method for distributing, storing and retrieving content associated with an end user aggregated from a plurality of information providers between a host computer and a client computer associated with the end user, comprising the steps of:

(a) aggregating content associated with the and user by the host computer from the plurality of information providers;

(b) transmitting the aggregated content from the host computer to the client computer;

(c) storing the transmitted aggregated content at the client computer;

(d) receiving by the host computer a request concerning the aggregated content stored at the client computer;

(e) receiving by the host computer the stored aggregated content from the client computer; and

(f) servicing by the host computer the received request based on the received, stored aggregated content to generate a request result.

2. The method of claim 1, and further comprising the step of outputting the request result to a designated delivery platform.

3. The method of claim 2, wherein the designated delivery platform is selected from the group consisting of a facsimile, a telephone, a Web browser, an electronic mail destination, a Web page residing on a Web server, a wireless device, an Internet client program and a print device.

4. The method of claim 1, and further comprising the step of encrypting the aggregated content by the host computer prior to transmission to the client computer and wherein the step of serving the received request by the host computer comprises decrypting the received aggregated content by the host computer.

5. The method of claim 4, and further comprising the step of outputting the request result to a designated delivery platform.

6. The method of claim 5, wherein the designated delivery platform is selected from the group consisting of a facsimile, a telephone, a Web browser, an electronic mail destination, a Web page residing on a Web server, a wireless device, an Internet client program and a print device.

7. The method of claim 4, and further comprising the step of servicing requests concerning the stored aggregated content by the client computer.

8. The method of claim 1, and further comprising the step of servicing requests concerning the stored aggregated content by the client computer.

9. The method of claim 1, wherein the received request originates from a source selected from the group consisting of a telephone, an electronic mail system, a wireless device, a third computer, a Web server, a facsimile and an Internet client.

10. The method of claim 1, wherein the step of transmitting the aggregated content from the host computer to the client computer comprises formatting the aggregated content as cookie data.

11. The method of claim 1, wherein the step of receiving by the host computer the stored aggregated content from the client computer comprises receiving the stored aggregated content as cookie data.

12. A system for distributing, storing and receiving content associated with an end user aggregated form a plurality of information providers between a host computer and a client computer associated with the end user, comprising a host computer in communication with the client computer, the host computer comprising a processor for performing the steps of:

(a) aggregating content associated with the end user from the plurality of information providers;

(b) transmitting the aggregated content to the client computer;

(c) storing the aggregated concerning the aggregated content at the client computer;

(d) receiving a request concerning the aggregated content stored at the client computer;

(e) receiving stored aggregated data from the client computer; and

(f) servicing the received request based on the received, stored aggregated content to generate a request result.

13. The system of claim 12, and the processor further performing the step of outputting the request result to a designated delivery platform.

14. The system of claim 13, wherein the designated delivery platform is selected from the group consisting of a facsimile, a telephone, a Web browser, an electronic mail destination, a Web page residing on a Web server, a wireless device, an Internet client program and a print device.

15. The system of claim 12, and the processor further performing the steps of encrypting the aggregated content by the host computer prior to transmission to the client computer and decrypting the received, stored aggregated content prior to servicing the received request.

16. The method of claim 15, and the processor further performing the step of outputting the request result to a designated delivery platform.

17. The method of claim 16, wherein the designated delivery platform is selected from the group consisting of a facsimile, a telephone, a Web browser, an electronic mail destination, a Web page residing on a Web server, a wireless device, an Internet client program and a print device.

18. The system of claim 12, wherein the received request originates from a source selected from the group consisting of a telephone, an electronic mail system, a wireless device, a third computer, a Web server, a facsimile and an Internet client.

19. The system of claim 12, and the processor further performing the step of formatting the aggregated content as cookie data prior to transmission.

20. A digital, computer-readable storage device storing instructions that when executed on a processor distribute, store and retrieve content associated with an end user aggregated from a plurality of information providers between a host computer and a client computer associated with the end user, by performing the steps comprising of:

(a) aggregating content associated with the end user from the plurality of information providers;

(b) transmitting the aggregated content to the client computer;

(c) storing the transmitted aggregated at the client computer;

(d) receiving a request concerning the aggregated content stored at the client computer;

(e) receiving stored aggregated content from the client computer; and

(f) serving the received request based on the received, stored aggregated content to generate a request result.