System and method for automated electronic notification and transaction execution

• US 7,552,190 B1
• Filed: 10/27/1999
• Issued: 06/23/2009
• Est. Priority Date: 10/28/1998
• Status: Expired due to Fees

• Current Assignee: VerticalOne Corp. (Envestnet Incorporated)
• Original Assignee: VerticalOne Corp. (Envestnet Incorporated)
• Inventors: Freishtat, Gregg, Rajan, Palaniswamy
• Primary Examiner(s): Vaughn, Jr; William C
• Assistant Examiner(s): Shingles; Kristie D
• Application Number:
  US09/427,790
• Time in Patent Office: 3,527 Days
• Field of Search: 705/14, 705/24, 705/30, 705/35, 705/39, 705/44, 705/50, 707/9, 707/10, 709/201, 709/202, 709/203, 709204-207, 709/217, 709/218, 709/225, 709/227, 709/229, 709/224, 709/219, 709/223
• 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 notification of occurrences of events related to personal information and/or the automated execution of transactions involving personal information based on events related to the personal information. A user profile associated with each end user of personal information is scanned to determine whether any trigger event related to the personal information associated with each end user has occurred. For each trigger event found to have occurred, a response associated with the found trigger event is executed. The response will be notification to the end user of the occurrence of the trigger event, the execution of a transaction involving personal information of the end user for whom the trigger event occurred or a combination of notification and execution.

Claims

1. A computer-implemented method for automatically performing an action for an end user, the method comprising the steps of:

maintaining one or more records associated with respective end users of a plurality of end users, wherein respective records are defined by or on behalf of the corresponding end user and identify a trigger event and a response associated with the trigger event, said response to be performed with respect to personal information associated with the end user aggregated from one or more of a plurality of information providers;

detecting that a trigger event associated with an end user has occurred based on a change in the aggregated personal information associated with the end user;

performing in response to detecting the trigger event, a registration procedure by populating a registration template associated with one of the plurality of information providers using the aggregated personal information associated with the end user in order to register and access a computer associated with the information provider, wherein the registration template is selected from a plurality of registration templates maintained in association with the corresponding plurality of information providers; and

executing the response associated with the detected trigger event, by performing the steps of;

retrieving data associated with the information provider based on the associated response;

connecting to the information provider computer based on the retrieved data associated with the information provider; and

executing a transaction script on the information provider computer based on the retrieved data associated with the information provider, the associated response and the aggregated personal information associated with the end user.

2. The method of claim 1, wherein the step of executing the response associated with the detected trigger event comprises delivering a notification of the trigger event to a predetermined delivery platform.

3. The method of claim 2, wherein the predetermined delivery platform is selected from a group consisting of a wireless device, a facsimile, a telephone, a printing device, a pager, a Web page residing on a Web server and an electronic mail system.

4. The method of claim 1, wherein the step of executing the response associated with the detected trigger event further comprises delivering a notification of the trigger event and the execution of the associated response to a predetermined delivery platform.

5. The method of claim 4, wherein the predetermined delivery platform is selected from a group consisting of a wireless device, a facsimile, a telephone, a printing device, a pager, a Web page residing on a Web server and an electronic mail system.

6. A computer-readable storage device storing instruction that upon execution cause a processor to automatically perform an action for an end user, by performing the steps of:

aggregating personal information from a plurality of information providers to create aggregated personal information associated with respective end users of a plurality of end users;

maintaining one or more records associated with respective end users of a plurality of end users, wherein respective records are defined by or on behalf of the corresponding end user and identify a trigger event and a response associated with the trigger event, said response to be performed with respect to the aggregated personal information associated with the end user;

detecting that a trigger event associated with an end user has occurred based on a change in the aggregated personal information associated with the end user;

performing in response to detecting the trigger event, a registration procedure by populating a registration template associated with one of the plurality of information providers using the aggregated personal information associated with the end user in order to register and access a computer associated with the information provider, wherein the registration template is selected from a plurality of registration templates maintained in association with the corresponding plurality of information providers; and

executing the response associated with the detected trigger event, by causing the processor to execute instructions performing the steps of;

retrieving data associated with the information provider based on the associated response;

connecting to the information provider computer based on the retrieved data associated with the information provider; and

executing a transaction script on the information provider computer based on the retrieved data associated with the information provider, the associated response and the aggregated personal information associated with the end user.

7. The storage device of claim 6, wherein the instructions causing the processor to perform the step of executing the response associated with the detected trigger event comprise instructions causing the processor to perform the step of delivering a notification of the trigger event to a predetermined delivery platform.

8. The storage device of claim 7, wherein the predetermined delivery platform is selected from a group consisting of a wireless device, a facsimile, a telephone, a printing device, a pager, a Web page residing on a Web server and an electronic mail system.

9. The storage device of claim 6, wherein the instructions causing the processor to perform the step of executing the response associated with the detected trigger event comprise instructions causing the processor to perform the further step of delivering a notification of the trigger event and execution of the associated response to a predetermined delivery platform.

10. The storage device of claim 9, wherein the predetermined delivery platform is selected from a group consisting of a wireless device, a facsimile, a telephone, a printing device, a pager, a Web page residing on a Web server and an electronic mail system.

11. A system for automatically performing an action for an end user, the system comprising:

a user store for storing one or more records associated with respective end users of a plurality of end users, each record identifying a trigger event and a response associated with the trigger event, said response to be performed with respect to personal information associated with the corresponding end user aggregated from one or more of a plurality of information providers;

a personal information store for storing the aggregated personal information associated with respective end users; and

a host computer operably connected to the user store and the personal information store, the host computer comprising a processor for performing the steps of;

connecting to at least one of the plurality of information providers, wherein each information provider has personal information associated with one or more of the plurality of end users;

aggregating personal information from the plurality of information providers to create the aggregated personal information associated with respective end users;

detecting that a trigger event associated with an end user has occurred based on a change in the aggregated personal information associated with the end user;

performing a registration procedure by populating a registration template associated with one of the plurality of information providers using the aggregated personal information associated with the end user in order to register and access a computer associated with the information provider, wherein the registration template is selected from a plurality of registration templates maintained in association with the corresponding plurality of information providers; and

executing the response associated with the detected trigger event, by performing the steps of;

retrieving data associated with the information provider based on the associated response;

connecting to the information provider computer based on the retrieved data associated with the information provider; and

executing a transaction script on the information provider computer based on the retrieved data associated with the information provider, the response associated with the detected trigger event and the aggregated personal information associated with the end user.

12. The system of claim 11, wherein the processor performs the step of executing the response associated with the detected trigger event by performing a step comprising of delivering a notification of the trigger event to a predetermined delivery platform.

13. The system of claim 12, wherein the predetermined delivery platform is selected from a group consisting of a wireless device, a facsimile, a telephone, a printing device, a pager, a Web page residing on a Web server and an electronic mail system.

14. The system of claim 11, wherein the processor performs the step of executing the response associated with the detected trigger event by performing the further step comprising of delivering a notification of the trigger event and the execution of the associated response to a predetermined delivery platform.

15. The system of claim 14, wherein the predetermined delivery platform is selected from a group consisting of a wireless device, a facsimile, a telephone, a printing device, a pager, a Web page residing on a Web server and an electronic mail system.

16. A computer-implemented method for automatically performing an action for an end user, the method comprising the steps of:

maintaining one or more records associated with respective end users of a plurality of end users, wherein respective records are defined by or on behalf of the corresponding end user and identify a trigger event and a response associated with the trigger event, said response to be performed with respect to personal information associated with the end user aggregated from one or more of a plurality of information providers;

connecting to at least one of the plurality of information providers, wherein each information provider has personal information associated with one or more of the plurality of end users;

aggregating personal information from the plurality of information providers to create the aggregated personal information associated with respective end users;

performing a registration procedure by populating a registration template associated with one of the plurality of information providers using the aggregated personal information associated with the end user in order to register and access a computer associated with the information provider, wherein the registration template is selected from a plurality of registration templates maintained in association with the corresponding plurality of information providers;

detecting that an occurrence of a trigger event associated with an end user has occurred based on a change in the aggregated personal information associated with the end user; and

executing the response associated with the detected trigger event, by performing the steps of;

retrieving data associated with the information provider based on the associated response;

connecting to the information provider computer based on the retrieved data associated with the information provider; and

executing a transaction script on the information provider computer based on the retrieved data associated with the information provider, the response associated with the detected trigger and the aggregated personal information associated with the end user.