Method and system for network transaction management

• US 8,417,644 B2
• Filed: 04/15/2005
• Issued: 04/09/2013
• Est. Priority Date: 06/01/1999
• Status: Expired due to Term

• Current Assignee: Yodlee Incorporated (Envestnet Incorporated)
• Original Assignee: Yodlee.com, Inc. (Envestnet Incorporated)
• Inventors: Ferguson, Hill, Hayward, Blake, Satyavolu, Ramakrishna
• Primary Examiner(s): Hewitt, II, Calvin L
• Assistant Examiner(s): Qayyum, Zeshan
• Application Number:
  US11/107,274
• Publication Number:
  US 20050203844A1
• Time in Patent Office: 2,916 Days
• Field of Search: 705/40
• US Class Current: 705/76
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06F 16/957 Browsing optimisation, e.g. caching or content distillation
• CPC Class Codes: G06F 16/958 Organisation or management of web site content, e.g. publishing, maintaining pages or automatic linking
• CPC Class Codes: G06F 21/41 where a single sign-on provides access to a plurality of computers
• CPC Class Codes: G06F 2221/2101 Auditing as a secondary aspect
• CPC Class Codes: G06F 2221/2105 Dual mode as a secondary aspect
• CPC Class Codes: G06F 2221/2111 Location-sensitive, e.g. geographical location, GPS
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: H04L 63/10 for controlling access to devices or network resources
• CPC Class Codes: H04L 65/1101 Session protocols
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]
• CPC Class Codes: H04L 67/289 Intermediate processing functionally located close to the data consumer application, e.g. in same machine, in same home or in same sub-network
• 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 67/567 Integrating service provisioning from a plurality of service providers

Abstract

A system for transacting in a network includes a service broker connected to the network, having access to necessary credentials, a service provider connected to the network, requiring credentials for transacting in regard to a client, and a client station connected to the network. A client using the client station sends a preliminary request for a transaction to the service broker, which initiates, at the appropriate time, the transaction for the client by a request to the service provider, accompanied by the appropriate credentials, and the service broker monitors the service provider after the write request for an acknowledgement of the request.

Claims

1. A computerized server connected to the Internet comprises:

a service broker processor;

a memory connected to said processor;

the memory storing instructions that, when executed, cause the service broker processor to perform the steps of;

storing credentials for a client in a data repository;

receiving a preliminary request including a time for a transaction from a client computer;

initiating the transaction at the time indicated in the preliminary request;

forwarding the preliminary request to a third-party service computer;

monitoring over the internet, multiple resources of the third-party service computer by;

(i) logging into the third-party service computer using the credentials of the client;

(ii) navigating through the resources of the third-party service computer at the third-party service computer; and

(iii) while navigating the resources, collecting and aggregating billing data of the client;

based on the monitoring, identifying an acknowledgement of receipt of the preliminary request for the transaction following the forwarding of the preliminary request; and

notifying, the client computer of the identified acknowledgement.

2. The computerized server of claim 1 wherein the service broker processor, through the data gathering and aggregation activity over the Internet, retrieves and stores navigational information regarding the third party service computer resources, which information is used in the monitoring for acknowledgement of the client'"'"'s preliminary request.

3. The computerized server of claim 1 wherein, after a preprogrammed interval following the preliminary request, the service broker processor notifies the client computer regarding the occurrence of acknowledgement or of failure of receipt of the preliminary request.

4. The computerized server of claim 3 wherein the service broker processor, after the preprogrammed interval, having not identified the acknowledgement, determines the preliminary request was not acted upon by the third party service computer, and repeats the preliminary request on behalf of the client.

5. The computerized server of claim 1 wherein the third party service computer is a billing facility and the transaction included in the preliminary request is for a bill pay transaction at the billing facility.

6. The computerized server of claim 5 wherein the preliminary request is to pay a bill on behalf of the client.

7. The computerized server of claim 5 wherein the preliminary request is to set a billing account specified by the client to be paid automatically each billing cycle.

8. The computerized server of claim 1 wherein the service broker processor maintains a list of third-party service computers associated with the client, and other lists associated with other clients, and provides to individual clients regularly updated information regarding status of available services for individual clients, with a mechanism for the individual client to select third-party service computers and make preliminary requests to the service broker processor for initiating transactions with the selected third-party service computer.

9. The computerized server of claim 8 wherein individual ones of the third-party service computers are billing facilities, the lists provided by the service broker processor comprise billing status, and at least some of the preliminary requests made by clients are for transactions with individual ones of the billing facilities in regard to bills associated with the clients.

10. The computerized server of claim 9 wherein the service broker processor after initiating the transaction for the client, monitors resources at the third-party service computer for identification of the acknowledgement of receipt of the preliminary request.

11. The computerized server of claim 9 wherein the service broker processor after initiating the transaction for the client, monitors the resources of the third-party service computer in order to identify confirmation of completion, or error in completion.

12. The computerized server of claim 11 where the service broker processor, gathers tracking information from the resources for observed state from the third-party service computer.

13. The computerized server of claim 12 wherein the service broker computer, through data gathering activity over the Internet, gathers information for the lists provided to clients, and also through the data gathering activity retrieves and stores navigational information regarding location at the resources of the third-party service computers on the Internet which information is used in the monitoring for the acknowledgement.

14. A method for transacting in a network of Internet connected computer appliances performed by a service broker computer provided by software executing from memory of a computerized server, performing the steps of:

storing, by the service broker computer, credentials for a client in a data repository;

receiving, by the service broker computer, a preliminary request including a time for a transaction from a client computer including an instance of the software;

initiating, by the service broker computer, the transaction at the time indicated in the preliminary request;

forwarding the preliminary request by the service broker computer to a third-party service computer;

monitoring by the service broker computer, over the internet, multiple resources of the third-party service computer by;

(i) logging into the third-party service computer using the credentials of the client;

(ii) navigating through the resources of the third-party service computer at the third-party service computer; and

(iii) while navigating the resources, collecting and aggregating billing data of the client;

based on the monitoring, identifying, by the service broker computer, an acknowledgement of receipt of the preliminary request for the transaction following the forwarding of the preliminary request; and

notifying, by the service broker computer, the client computer of the identified acknowledgement.

15. The method of claim 14 wherein the service broker computer, through data gathering and aggregation activity at the resources, retrieves and stores navigational information regarding the third-party service computer resources, which information is used in the monitoring for the acknowledgement.

16. The method of claim 14 wherein, after a preprogrammed interval following the preliminary request, the service broker computer notifies the client regarding the occurrence of acknowledgement.

17. The method of claim 16 wherein the service broker computer, after the preprogrammed interval, having not identified the acknowledgement, determines the preliminary request was not received by the third-party service computer, and repeats the preliminary request on behalf of the client.

18. The method of claim 14 wherein the third-party service computer is a billing facility and the transaction included in the preliminary request is for a bill pay transaction regarding a billing by at the billing facility.

19. The method of claim 18 wherein the preliminary request is to pay a bill on behalf of the client.

20. The method of claim 14 wherein the service broker computer maintains a list of third-party service computers associated with the client, and other lists associated with other clients, and provides to individual clients regularly-updated information regarding status of available services for individual clients, with a mechanism for the individual client to select third-party services computers and make preliminary requests to the service broker computer for initiating transactions with the selected third-party service computers.

21. The method of claim 20 wherein individual ones of the third party service computers are billing facilities, the lists provided by the service broker computer comprise billing status, and at least some of the preliminary requests made by clients are for transactions with individual ones of the billing facilities in regard to bills associated with the clients.

22. The method of claim 21 wherein the service broker computer, after initiating the transaction for the client, monitors resources at the third-party service computer for acknowledgement.

23. The method of claim 22 wherein the service broker computer, through data gathering and aggregation activity at the resources, gathers information for the lists provided to clients, and also through the activity retrieves and stores navigational information regarding the third-party service computers, which information is used in the monitoring for acknowledgement.