System and method for syndicated collection, aggregation and delivery of personal data

• US 8,244,635 B2
• Filed: 04/20/2001
• Issued: 08/14/2012
• Est. Priority Date: 04/25/2000
• Status: Active Grant

• Current Assignee: Yodlee Incorporated (Envestnet Incorporated)
• Original Assignee: Yodlee.com, Inc. (Envestnet Incorporated)
• Inventors: Rijsinghani, Vikas, Freishtat, Gregg
• Primary Examiner(s): Kazimi, Hani M
• Application Number:
  US09/839,735
• Publication Number:
  US 20010037294A1
• Time in Patent Office: 4,134 Days
• Field of Search: 709/218, 705/35, 705/40, 705/39
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

A personal information collection and delivery system has a collection component executed by a first enterprise, for collecting information for specific individuals from a plurality of information provider'"'"'s sites, an aggregation component executed by the first enterprise, for aggregating and storing the collected information identified for individual ones of the specific individuals; and a plurality of delivery components executed by a like plurality of second enterprises, for delivering said aggregated information to the specific individuals. This system is characterized in that delivery is distinguished to individual ones of the second enterprises. In some cases the information providers are the second enterprises that manage delivery, in which case they may limit access according to a variety of variables. Also in some cases the providers also provide transactions services, and the specific individuals connecting through the system may accomplish transactions, which may include drag-and-drop implementation.

Claims

1. An Internet-based syndicated transaction system, comprising:

a first enterprise hosting integrated transaction services automatically navigating to Web sites subscribed to by an end user scraping and aggregating personal information (PI) specific to the end user from network connected sites, and providing PI and transaction services to the end user;

a plurality of second enterprises maintaining each at least one financial account belonging to the end user in which the end user has a monetary balance, each of the second enterprises having a Web site accessible to the first enterprise via the Internet;

a plurality of third enterprises maintaining at least one billing account specific to the end user, each of the third enterprises having a Web site accessible to the first enterprise; and

an interactive software graphical user interface (GUI) provided by the first enterprise and executable on an end user appliance, displaying an indication of PI including at least the monetary balance of the financial accounts and bills reflecting an amount owed by the user;

characterized in that the first enterprise automatically navigates to the Web sites of the plurality of second and third enterprises, logging into the Web sites on behalf of the user scraping and aggregating financial account and billing PI represented in the GUI and the user, through interaction with the GUI, initiates an instruction from the first enterprise to pay a bill at one of the plurality of third enterprises using funds from an associated financial account at one of the plurality of second enterprises by dragging the indication of the financial account to the indication of the bill or by dragging the indication of the bill to the indication of the financial account.

2. The system of claim 1 wherein the billing and financial account PI is periodically scraped, aggregated and stored at the first enterprise.

3. The system of claim 2 wherein the stored PI is provided to the user and the GUI upon user interaction with the GUI.

4. A method for enabling syndicated financial transactions at commercial institutions by a specific user, comprising the steps of:

(a) a first enterprise automatically navigating to Internet-connected Web sites subscribed to by the individual, logging into the Web sites on behalf of the user and collecting by the first enterprise, information reflecting at least a monetary balance of each of a plurality of financial accounts belonging to the individual;

(b) automatically navigating to and logging into the Web sites by the first enterprise on behalf of the user collecting information at billing accounts specific to the user and including bills associated with the billing account that are owed by the user;

(c) providing a software graphical user interface (GUI) executable on a user'"'"'s appliance;

(d) presenting in the GUI an indication for each one of the plurality of the financial accounts associated with the user, and at least one indication of a bill owed by the user collected by the first enterprise; and

(e) generating an instruction via the GUI to the first enterprise to pay a bill using at least one of the financial accounts by dragging the indication of the financial account to the indication of the bill or by dragging an indication of the bill to the indication of the financial account.

5. The method of claim 4 wherein the GUI presents two or more indications representing bills due belonging to the user from two or more of the Web sites associated with the user.

6. The method of claim 4 wherein the billing and monetary balance information at the financial accounts are periodically collected and stored by the first enterprise.

7. The method of claim 6 wherein the stored billing and financial account information is provided to the user upon user interaction with the GUI.