System and method for syndicated transactions

• US 20010037294A1
• Filed: 04/20/2001
• Published: 11/01/2001
• Est. Priority Date: 04/25/2000
• Status: Active Grant

• Current Assignee: Yodlee Incorporated (Envestnet Incorporated)
• Original Assignee: Gregg Freishtat, Vikas Rijsinghani
• Inventors: Rijsinghani, Vikas, Freishtat, Gregg
• Granted Patent: US 8,244,635 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• 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. A personal information collection and delivery system, comprising:

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;

characterized in that delivery is distinguished to individual ones of the second enterprises.

2. The system of

claim 1

wherein the system is implemented in the Internet network, and delivery is accomplished following software routines prepared for individual ones of the second enterprises.

3. The system of

claim 1

wherein delivery is accomplished by individual ones of the second enterprises via one or more of wireless networks to one or more wireless appliances, or by cable to cable-ready set-top-boxes or television appliances.

4. The system of

claim 2

wherein the information collected and delivered is personal information requiring secure identification of the specific individuals to the information provider'"'"'s sites.

5. A method for collecting and delivering personal information, comprising the steps of:

(a) collecting information for specific individuals from a plurality of information provider'"'"'s sites by a collection component executed by a first enterprise;

(b) aggregating and storing the collected information identified for individual ones of the specific individuals by executing an aggregation component by the first enterprise; and

(c) delivering said aggregated information to said specific individuals by a plurality of delivery components executed by a plurality of second enterprises, wherein delivery is distinguished to individual ones of the second enterprises.

6. The method of

claim 5

wherein the system is implemented in the Internet network, and delivery is accomplished following software routines prepared for individual ones of the second enterprises.

7. The method of

claim 5

wherein delivery is accomplished by individual ones of the second enterprises via one or more of wireless networks to one or more wireless appliances, or by cable to cable-ready set-top-boxes or television appliances.

8. The method of

claim 6

wherein the information collected and delivered is personal information requiring secure identification of the specific individuals to the information provider'"'"'s sites.

9. A personal information system, comprising:

a collection component executed by a first enterprise, for collecting information for specific individuals from a plurality of second enterprises as information providers;

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 managed by individual ones of the second enterprises, for delivering said aggregated information to the specific individuals;

characterized in that delivery is distinguished to individual ones of the second enterprises.

10. The system of

claim 9

implemented in the Internet network, wherein delivery is accomplished following software routines prepared by or for individual ones of the second enterprise information providers.

11. The system of

claim 10

wherein the information collected and delivered is personal information requiring secure identification of the specific individuals to the information provider'"'"'s sites.

12. The system of

claim 10

wherein individual information providers limit access to aggregated information according to variables including the origination site used by a specific individual requesting information.

13. The system of

claim 10

wherein individual ones of the second enterprises provide transaction services to individual ones of the specific individuals connecting to the individual ones of the second enterprises through the system.

14. The system of

claim 13

wherein the transaction services include a user interface enabling a specific individual to access an account and transfer funds from the account for payment to a third party.

15. The system of

claim 14

wherein drag-and-drop protocol is implemented for fund transfers.

16. A method for collecting and delivering personal information, comprising the steps of:

(a) collecting information for specific individuals by a collection component executed by a first enterprise, from a plurality of second enterprises as information providers;

(b) aggregating and storing the collected information identified for individual ones of the specific individuals by executing an aggregation component by the first enterprise; and

(c) delivering said aggregated information to said specific individuals by a plurality of delivery components managed by said second enterprises, wherein delivery is distinguished to individual ones of the second enterprises.

17. The method of

claim 16

practiced in the Internet network, wherein delivery is accomplished following software routines prepared by or for individual ones of the second enterprise information providers.

18. The method of

claim 17

wherein the information collected and delivered is personal information requiring secure identification of the specific individuals to the information provider'"'"'s sites.

19. The method of

claim 17

wherein individual information providers limit access to aggregated information according to variables including the origination site used by a specific individual requesting information.

20. The method of

claim 17

wherein individual ones of the second enterprises provide transaction services to individual ones of the specific individuals connecting to the individual ones of the second enterprises through the system.

21. The method of

claim 20

wherein the transaction services include a user interface enabling a specific individual to access an account and transfer funds from the account for payment to a third party.

22. The method of

claim 21

wherein drag-and-drop protocol is implemented for fund transfers.

23. A personal information and transaction system, comprising:

a collection component executed by a first enterprise, for collecting information for specific individuals from a plurality of second enterprises as information providers;

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 transaction components distinguished to individual ones of the second enterprises, for enabling transactions to be managed by individual ones of the specific individuals;

characterized in that the individual ones of the second enterprises publish transaction protocols to the first enterprise, which then provides transaction protocol to the individual ones of the specific individuals, allowing transactions at the second enterprises to be managed by the specific individuals through the system.

24. The system of

claim 23

implemented in the Internet network, wherein transactions are managed through Internet interaction between the specific individuals and the second enterprises, the Internet interaction through sites of the first enterprise.

25. The system of

claim 24

wherein the transaction services include a user interface enabling a specific individual to access an account and transfer funds from the account for payment to a third party.

26. The system of

claim 25

wherein drag-and-drop protocol is implemented for fund transfers.

27. A method for enabling transactions at commercial institutions by specific individuals, comprising the steps of:

(a) collecting information for specific individuals from the commercial institutions by a collection component executed by a first enterprise;

(b) aggregating the collected information identified for individual ones of the specific individuals by an aggregation component executed by the first enterprise; and

(c) executing by the first enterprise individual ones of a plurality of transaction components distinguished to individual ones of the commercial institutions, enabling thereby transactions to be managed by individual ones of the specific individuals.

28. The method of

claim 27

further comprising a step wherein the transaction components are published to the first enterprise by the commercial institutions.

29. The method of

claim 27

wherein the components are implemented in the Internet network, and transactions are managed through Internet interaction between the specific individuals and the second enterprises, the Internet interaction through Internet sites of the first enterprise.

30. The method of

claim 29

wherein the transaction services include a user interface enabling a specific individual to access an account and transfer funds from the account for payment to a third party.

31. The method of

claim 30

wherein drag-and-drop protocol is implemented for fund transfers.