`us 6,317,783
`
`PATENT:
`6,317,783
`INVENTORS: Freishtat, Gregg
`Rajan, Palaniswamy
`
`TITLE:
`
`Apparatus and methods for automated
`aggregation and delivery of and
`transactions involving electronic
`personal information or data
`
`APPLICATION US1999428511A
`NO:
`FILED:
`ISSUED:
`
`27 OCT 1999
`13 NOV 2001
`
`COMPILED:
`
`09 JUN 2011
`
`Plaid Technologies Inc.
`Exhibit 1003
`
`Ex. 1003 Page 1
`
`
`
`\~
`-~-
`
`SECTOR CLASS
`' / , (.)
`/ ()/
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`PATENT DATE
`
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`PREPARED AND APPROVED FOR ISSUE
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`ISSUING CLASSIFICATION
`
`ORIGINAL
`
`CRO$S REFERENCE(S)
`
`G 0 (;i F
`
`CLASS
`
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`JJ<i
`INTERNATIONAL CLASSIFICATION
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`DRAWINGS
`
`Sheets Diwg.
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`Figs. Drwg.
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`~rint Fig.
`
`'5
`
`(Assistant Exan:ilner)
`
`(Date)
`
`CLAIMS ALLOWED
`Print Claim for.o.G.
`I ...
`,•
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`'
`
`Total Claims
`3to .
`1---------------11·· ~·
`NOTICE OF ALLOWANCE MAILED .' ·
`~·' ...
`....
`·:('·
`
`~
`
`·'.
`
`. KENNETH A. COULTER
`~~
`_______ '/t<J/01
`
`(Primary Examiner)
`
`(Date)
`
`I
`
`• '
`
`D TERMINAL.
`
`DISCLAIMER
`
`_
`
`D a) The term of this patent
`subsequent to
`has been disclaimed.
`0 b) The term of this patent shall
`not extend beyond the expiration date
`of U.S Patent. No. ____ _
`
`(date)
`
`I
`,., ~
`i- .'R.q: .,
`I
`•'
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`The Information disclosed herein may be restricted. Una~hOrl.zed disclosure may be prohibited by the United States Code TIUe 35, Sections 122, .. 181 ~~ .. aee~ ,; ~ ,
`
`0 c) The terminal _months of
`this. patent have been disclaimed.
`
`W"RNING:
`
`(Legal Instruments Examiner)
`.
`
`Possession outside the U.S. Patent & Trademark Office Is restricted to authorized employees and contractors only.
`
`'
`
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`
`· •
`
`·
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`
`Form PT0·436A
`(Rev. 10197)
`
`.. , .
`. . '
`
`. (FACE)
`
`Ex. 1003 Page 2
`
`
`
`6,317,783
`
`APPARATUS AND METHODS FOR AUTOMATED AGGREGATION AND DELIVERY
`OF AND TRANSACTIONS INVOLVING ELECTRONIC PERSONAL INFORMATION OR
`DATA
`
`Transaction History
`
`---
`
`':!
`
`Date
`Transaction Description
`11/1/1999
`Initial Exam Team nn
`IFW Scan & PACR Auto Security Review
`11/15/1999
`11/23/1999 Notice Mailed--Application lncomplete--Filing Date Assigned
`2/7/2000 Application Is Now Complete
`2/8/2000 Petition Entered
`2/8/2000
`Information Disclosure Statement (IDS) Filed
`2/8/2000
`Information Disclosure Statement (IDS) Filed
`2/8/2000 Application Dispatched from OIPE
`2/23/2000
`Information Disclosure Statement (IDS) Filed
`Information Disclosu~re Statement (IDS) Filed
`2/23/2000
`4/14/2000 Case Docketed to Examiner in GAU
`5/3/2000 Mail-Petition Decision - Granted
`6/13/2000
`Information Disclosure Statement (IDS) Filed
`Information Disclosure Statement (IDS) Filed
`6/13/2000
`6/15/2000
`Information Disclosure Statement (IDS) Filed
`6/15/2000
`Information Disclosure Statement (IDS) Filed
`10/2/2000 Case Docketed to--Examiner in GAU
`10/2/2000 Non-Final Rejection
`10/3/2000 Mail Non-Final Rejection
`10/6/2000 Case Docketed to Examiner in GAU
`4/5/2001 Response after Non-Final Action
`4/5/2001 Request for Extension of Time - Granted
`4/16/2001 Date Forwarded to Examiner
`6/18/2001. Mail Notice of Allowance
`6/18/2001 Notice of Allowance Data Verification Completed
`6/22/2001 Workflow - File Sent to Contractor
`9/18/2001
`Issue Fee Payment Verified
`9/18/2001 Workflow - Drawings Finished
`9/18/2001 vJorkflow - Drawings Matched with File at Contractor
`9/18/2001 Workflow - Drawings Received at Contractor
`9/18/2001 Workflow - Drawings Sent to Contractor
`
`Ex. 1003 Page 3
`
`
`
`9/29/2001 Workflow - Complete WF Records for Drawings
`10/4/2001 Application Is Considered Ready for Issue
`10/25/2001
`Issue Notification Mailed
`11/13/2001 Recordation of Patent Grant Mailed
`11/13/2001 Patent Issue Date Used in PTA Calculation
`
`Ex. 1003 Page 4
`
`
`
`.'
`
`.,
`..
`
`Date received
`(Incl. c. of M.)
`or
`Date Malled
`
`INrTIALS. - - -
`NOY 089929 ·
`
`..
`
`~
`
`Date received
`(Incl. C. of M.)
`or
`Date Malled
`
`42. ~· - - - - : - - - - - - -
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`Ex. 1003 Page 5
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`· ISSUE SLIP STAPLE AREA (for r: ~-.!~tional cross references)
`
`. POSITION
`
`INITIALS
`
`FEE DETERMINATION
`0.1.P.E. CLASSIFIER
`FORMALITY REV•EW
`
`INDEX OF CLAIMS
`..... · ............................ Rejected
`......................... : ....... Allowed
`(Through numeral) ·Canceled
`................. '. ...... ; ........ Restricted
`
`N ................................. Non-elected
`................................... lnterterence
`I
`A ................................. Appeal
`0 ....... · .... · ...................... Objected
`
`ti'
`
`,
`
`Claim
`
`Date
`
`Claim
`
`Date
`
`Claim
`
`Date
`
`116
`117
`118
`19
`10
`111
`112
`
`~l 2
`
`. ;;lt.., 7
`
`11. 9
`
`130 11
`~'3 l 12
`
`IJ 15
`3 16
`14 17
`
`11 20
`
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`lo 23
`1,1. 24
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`
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`i3tJ 30
`Jc; 31
`
`14 33
`15 34
`. ilo 35
`--a 36
`37
`38
`39
`40
`41
`42
`43
`44
`45 .
`
`46
`47
`48
`49
`50
`
`51
`52
`53
`54
`55
`56
`57
`58
`59
`60
`61
`62
`63
`64
`65
`66
`67
`68
`69
`70
`71
`72
`73
`74
`75
`76
`77
`78
`79
`70
`81
`82
`83
`84
`85
`86
`87
`88
`89
`. 90
`
`91
`92
`93
`94
`95
`96
`97
`98
`99
`
`If more than 150 claims or 1 O actions
`staple additional sheet here
`
`(LEFT INSIDE)
`
`Ex. 1003 Page 6
`
`
`
`SEA
`
`.Class
`
`Sub.
`
`Date
`
`Exmr.
`
`101
`
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`(INCLUDING SEARCH STRATEGY) ·
`
`Date
`
`Exmr. ·
`
`µe;1': V5 P'/
`:;p Ao) crkBJ
`f)£fl~"'1 w;
`P;>Vt TD!)
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`
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`'/1'1/o/ .· /tilt
`
`INTERFERENCE SEARCHED
`Class
`Sub.
`. "?-o '=t
`} o-:;.-
`
`Date
`
`E~mr.
`/
`
`I
`
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`(RIGHT OUTSIDE)
`
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`
`Ex. 1003 Page 7
`
`
`
`c12) United States Patent·
`Freishtat et al. _
`
`1111111111111111111111 lllll lllll lllll lllll 111111111111111111111111111111111
`
`US006317783Bl
`US 6,317,783 Bl
`Nov. 13, 2001
`
`(10) Patent No.:
`( 45) Dat~ of Patent:
`
`(54) APPARATUS AND METHODS FOR
`AUTOMATED AGGREGATION AND
`DELIVERY OF AND TRANSACTIONS
`INVOLVING ELECTRONIC PERSONAL
`INFORMATION OR DATA
`
`(75)
`
`Inventors: Gregg Freishtat; Palaniswamy Rajan,
`both of Atlanta, GA (US)
`
`(73) Assignee: Verticalone Corporation, Atlanta, GA
`(US)
`
`( * ) Notice:
`
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`U .S.C. 154(b) by 0 days.
`
`(21) Appl. No.: 09/428,511
`Oct. 27, 1999
`
`(22) Fileci:
`
`"Database Security and Privacy," Sushil Jaj~dia, ACM
`Computing Surveys, vol. 28, Issue 1 pp. 129-131, Mar.
`(1996).
`
`"Managing S~curity _ and Privacy of information," Sushil
`Jajodia, ACM Computing Surveys, vol. 28 Issue 4es, Dec.
`(1996r
`
`"Today's StyleSheet Standards: The Great Vision Blinded,"
`Philip M. Marden, Jr. and Ethan V. Munson, IEEE Com(cid:173)
`puter, pp. 123-125.
`
`"Collapsible User Interfaces for Information Retrieval
`Agents," Martin Frank and Pedro Szekely, Proceedings of
`International Conference on Intelligent User Interfaces, Jan~
`5-8, 1999, Redondo, CA, pp. 15-22.
`
`"A Softbot-based Interface to the Internet," Oren Etzioni
`and Daniel Weld, Communications of the ACM, vol. 37, No.
`7, Jul., 1994, pp. 72-76.
`
`(60)
`
`(51)
`(52)
`(58)
`
`(56)
`
`Related U.S. Application Data
`Provisional application No. 60/105,917, filed on Oct. 28,
`1998, and provisional application No. 60/134,395, filed on
`May 17, 1999.
`\
`Int. Cl.7
`.... : ................................................. G06F 13/00
`-U.S. Cl ................................................ 709/218; 707/10
`~"ield of Search .......................... ; .... 707/10; 709/217,
`-
`709/218
`
`References Cited
`U.S. PATENT DOCUMENTS
`
`5,347,632
`5,537,314
`
`9/1994 Filepp et al. ......................... 709/202
`7/1996 Kanter .................................... 705/14
`
`(List continued on next page.)
`
`OTHER PUBLICATIONS
`
`"Strategic Directions in Database Systems-Breaking Out•
`of the Box," Avi Silberschatz, and Stan Zdonik et al., ACM
`-Computing Surveys, vol. 28, No. 4, pp. 764-778, Dec.
`(1996).
`
`Primary Examiner-Kenneth R. Coulter
`(74) Attorney, Agent, or Firm-Needle & Rosenberg. P.C.
`
`(57)
`
`ABSTRACT
`
`A system for delivering personal information according to
`the present invention includes a userstore including end user
`data, a provider store including information provider data, a
`personal information store including personal· information
`and a procesSor that communicates with these data stores.
`The processor selects an end user for personal infonmation
`aggregation. The processor connects with one or more _ ·
`· information providers. The processor then proceeds t_o
`retrieve personal information for ihe selected end user from
`the connected information providers. This retrieval is based
`on end user data associated with the selected end user and
`provider data associated with the connected information
`providers. The retrieved personal information is stored in the
`personal information store.
`
`36 Claims, 11 Drawing Sheets
`
`-
`
`..-------------------~----
`
`250
`
`! -----."'----., --...._
`
`COMPANY WEB
`SITE (Pl)
`
`COMPANY WEB
`SITE(~)
`
`COMPANY WEB
`SITE (pl)
`
`Yi! ~ 'JL_j
`
`510
`
`/
`ORIGINATING Pl ~ - ; ~ ~,;;._;;-
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`..::---]~
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`\\
`
`CREDIT CARDS COMMUNICATIONS & CUSTOMER
`& MORTGAGES / MESSAGES (EMAIL,
`GENERIC
`FAX, VOICE)
`CONTENT
`(PORTAL)
`-_ l . . - - - - - -L_ ___ _,c_ ___ - - : . . ._
`
`INTERNET
`
`230
`
`(NATIONSBANK)
`
`END USER
`-iio
`
`Ex. 1003 Page 8
`
`
`
`US 6,317,783 Bl
`Page 2
`
`U.S. PATENT DOCUMENTS.
`
`5,655,089
`5,696,965
`5,699,528
`5,710,887
`5,712,979
`5,724,567 *
`5,825,884
`5,848,396
`5,860,068
`5,862,325 *
`5,878,219
`5,884,033
`5,884,045
`5,893,091
`5,894,554
`5,895,468
`5,897,622
`
`8/1997 Bucci ..................................... 705/40
`* 12/1997 Dedrick ................................ :. 707/10 .
`12/1997 Hogan ........... ; .. : ..................... 705/40
`1/1998 Chelliah et al. ....................... 705/26
`1/1998 Graber et al. ........................ 709/224
`3/1998 Rose ...... ... ... .... ...... ... ............. ... 707 /2
`10/1998 Zdepski et al. ........................ 705n8
`12/1998 Gerace ................................... 705/10
`1/1999 ·.Cook ....................... : .............. 705/26
`1/1999 Reed et al. ........................... 709/201
`3/1999 Vance, Jr. et al. ................... 709/217
`3/1999 Duvall et al. ........................ 709/206
`3/1999 Kurihara .............................. 709/237
`· 4/1999 Hunt et al.. .. ... ...... ... .... ...... ...... . 707 /3
`4/1999. Lowery et al.
`...................... 709/203
`4/1999 Whitmyer, Jr ......................... 707/10
`4/1999 Blinn et al. ............................ 705/26
`
`5,898,836
`4/1999
`5,913,202
`6/1999
`6/1999
`5,918,214
`5,926,798
`7/1999
`5,956,709
`9/1999
`10/1999
`5,963,915
`5,978,766
`11/1999
`* 11/1999
`5,978,779
`11/1999
`5,983,200
`5,983,227
`11/1999
`* 11/1999
`5,987,440
`5,987,498
`11/1999
`5,991,735
`11/1999
`5,991,756
`11/1999
`* 11/1999
`5,995,965
`* 12/1999
`5,999,975
`6,029,175
`2/2000
`* cited by examiner
`
`Freiv~ld et al.
`..................... 709/218
`Motoyama ............................. 705/35
`Perkowski .... ... .......... ... ... ... ... . 705/27
`Carter ..... ... ... ... .......... ... ... ... ... . 705/26
`Xue .......................................... · 707/3
`Kirsch ... ............. ... .... ... ... ... ... . 705/26 ·
`Luciw ...................................... 705/1
`Stein et aL ..... .... ... ... ... ... ... ..... 705/37
`Slotznick .. ... ...... ... .... ... ... ....... 705/26
`Nazem et al.
`.................. , ...... 707/10
`O'Neil et al. .......................... 705/44
`Athing et al. ............. .' .......... 709/203
`Gerace ................................... 705/10
`Wu ............................... : ........... 707/3
`Experton ... ... ...... ... .... ... ... ....... 707 /10
`Kittaka et al. ....................... 709/224
`Chow et al. ......................... 707/104
`
`Ex. 1003 Page 9
`
`
`
`U.S. Patent
`
`Nov. 13, 2001
`
`· Sheet 1 of 11
`
`US 6,317,783 Bl
`
`c'
`
`Figure 1.
`(Prior Art)
`
`.----------
`
`: V 100
`SELECT
`INFORMATION
`PROVIDER
`
`1
`
`LOCATE AND
`ENTER
`PROVIDER SITE
`ADDRESS
`
`120
`
`v
`
`,
`
`/ 130
`LOG INTO
`PROVIDER SITE :
`I
`
`. REPEAT
`PROCESS TO
`SEEK
`ADDITIONAL
`PI
`
`. 100
`
`Ex. 1003 Page 10
`
`
`
`U.S. Patent
`
`Nov. 13, 2001
`
`Sheet 2of11
`
`US 6,317,783 Bl
`
`CLIENT
`COMPUTER
`2 0
`
`D_
`
`~o:
`
`CLIENT
`SOFTWARE
`27ff
`
`Figure 2.
`
`Pl
`HOST
`
`290 ~-.....____, D_
`
`~o:
`
`Pl ENGINE
`240
`
`Pl
`STORE
`280
`
`PROVIDER
`COMPUTER
`
`- ~o:
`
`· WEB SERVER
`
`\
`
`250 .
`
`PROVIDER
`COMPUTER
`
`D_
`
`~o:
`
`Ex. 1003 Page 11
`
`
`
`U.S. Patent
`
`Nov. 13, 2001
`
`Sheet 3of11
`
`US 6,317,783 Bl
`
`Figure3
`~
`
`r
`
`r
`
`Site Monitor
`370
`
`--~..
`
`Baseline Configure
`320
`
`, ,
`
`Provider
`store
`310
`
`-
`
`~·
`
`r
`
`PI Accessll'ransact
`340
`
`r
`
`....
`....
`
`End User
`Configure
`330
`... '"------.-----
`
`User Store
`360
`
`,,
`
`r
`
`PI Deliver
`350
`
`PI Store
`280
`
`Individual
`End User PI
`375
`
`· -
`
`...
`
`Ex. 1003 Page 12
`
`
`
`COMPANY WEB
`SITE
`
`COMPANY WEB
`SITE
`
`~~ ------
`
`Figure 4
`(Prior Art)
`250
`
`COMPANY \fVEB COMPANY WEB
`SITE
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`COMPANY WEB
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`PHONE BILt ~-"- HEAL TH AND tR;DiT CAR~S c6MMUNICAT\IQN; & +:--P-O_R_T~AL
`-----
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`'-- CABLE BILL
`INVESTMENTS
`ETC
`
`EMPLOYEE
`BENEFITS
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`& MORTGA ES
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`
`MESSAGES (EMAIL,
`FAX, VOICE)
`
`. GENERIC
`CONTENT
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`INTERNET
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`PROPRIETARY GUI
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`
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`END USER//
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`Ex. 1003 Page 13
`
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`ORIGINATING Pl
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`Figure 5
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`COMPANY WEB
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`COMMUNICATIONS &
`CREDIT CARDS
`& MORTGAGES / MESSAGES (EMAIL,
`. FAX, VOICE) .
`
`CUSTOMER
`GENERIC
`CONTENT
`(PORTAL)
`
`INTERNET
`
`230
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`Ex. 1003 Page 14
`
`
`
`U.S. Patent
`
`Nov. 13, 2001
`
`Sheet 6 of li
`
`US 6,317,7S3 Bl
`
`Figure6
`
`Provider
`Server
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`240
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`220.
`
`Individual
`End UsetPI
`375
`
`Ex. 1003 Page 15
`
`
`
`U.S. Patent
`
`Nov. 13, 2001
`
`Sheet 7of11
`
`US 6,317,783 Bl
`
`Figure 7
`
`..
`
`Springboard
`Process
`15Jl
`
`PI Presentation
`Page
`760
`
`, .,
`Provider
`Desired Page
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`
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`Process
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`
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`Desired Page
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`
`140
`
`Ex. 1003 Page 16
`
`
`
`U.S. Patent
`
`Nov. 13, 2001
`
`Sheet 8of11
`
`US 6,317,783 Bl
`
`Figure 8
`
`DISTRIBUTORS:JLE .
`SPECIFICATION
`830
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`
`PROVIDER STYL°E\
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`CONTENT
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`
`870
`DYNAMIC PAGE
`GENERATION
`
`RESULTING
`PAGE
`880
`
`Ex. 1003 Page 17
`
`
`
`U.S. Patent
`
`Nov. 13, 2001
`
`Sheet 9of11
`
`US 6,317,783 Bl
`
`Figure 9
`
`810
`.
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`~TRIBU~
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`STYLE
`SPECIFICATION
`
`870
`
`RESULTING
`·PAGE
`. 880
`
`Ex. 1003 Page 18
`
`
`
`U.S. Patent
`
`Nov. 13, 2001
`
`Sheet 10 of 11
`
`US 6,317,783 Bl
`
`Figure 10
`
`IDENTIFY
`PROVIDER AND
`APPLET.
`1010
`
`·•
`ACCESS APPLET
`TEMPLATE.
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`10
`
`Ex. 1003 Page 19
`
`
`
`U.S. Patent
`
`Nov. 13, 2001
`
`.
`
`Sheet 11 of 11 ·
`
`US 6,317,783 Bl ·
`
`Figure 11
`
`. INTERMEDIATE SITE PAYS
`MINIMUM MONTHLY FEE FOR A
`GIVEN MONTH
`1110·
`
`PI ENGINE AUDITS USAGE BY END
`USERS VIA THE INTERMEDIATE
`SITE OVER A GNEN MONTH
`1120
`
`DEBIT MINIMUM MONTHLY FEE
`ACCORDING TO AN AUDITED
`USAGE
`1130
`
`CHARGE INTERMEDIATE SITE FOR
`FEES IN EXCESS OF MINIMUM
`MONTHLY FEE
`1140
`
`Ex. 1003 Page 20
`
`
`
`US 6,317,783 Bl
`
`1
`APPARATUS AND METHODS FOR
`AUTOMATED AGGREGATION AND
`DELIVERY OF AND TRANSACTIONS
`INVOLVING ELECTRONIC PERSONAL
`INFORMATION OR DATA
`
`CROSS-REFERENCE TO RELATED PATENT
`APPLICATION
`
`This application claims the benefit, pursuant to 35 U.S.C.
`§119(e), of applicants' provisional U.S. Patent Application
`Ser. No. 60/105,917, filed Oct. 28, 1998, entitled "Apparatus
`and Method for Automated Aggregation and Delivery of arid
`Transactions Involving Electronic Personal Information or
`Data" and of applicants' provisional U.S. Patent Application
`Ser. No. 60/134,395, filed May 17, 1999, entitled "Appara(cid:173)
`tus and Method for Automated Aggregation and Delivery of
`and Transactions Involving Electronic Personal Information
`·
`or Data".
`
`BACKGROUND OF INVENTION
`
`1. Field of Invention
`The invention relates to an apparatus and process for
`automated aggregation and delivery of electronic personal
`information or data (PI). The invention further relates to the
`automation of transactions involving electronic PI.
`2. Description of Related Art
`Looking back over the last five years, it is apparent that
`as the Internet gained momentum, consumers demanded
`applications or services that make their online experience
`simpler, easier to use, and more satisfying. The development
`of successful Internet Sites has corresponded with a number
`of themes which have developed over the last few years.
`. When carefully analyzed this evolution is a logical <level- 35
`opment of the emerging digital economy.
`Prior to 1994, Jhe Internet was not a mass media, in part,
`because the existing technologies (FTP, Archie, Usenet, and
`Gopher) were not user friendly and required the end user to
`do all of the work (e.g., the end user had to learn of an 40
`existing data source, find the address, navigate to the
`destination, and download the information). As more con(cid:173)
`sumers began accessrng the Internet, Search Engines were
`created to solve this usability issue. With the advent of the
`commercial· Search Engine, additional content could be 45
`easily added to the Internet and the end user had a means of
`finding and accessing this information. Consumers required
`. better tools than Search Engines for organizing and access- ·
`ing this wealth of generic content. Push technologies were
`explored, and eventually, the portal strategy was success- 50
`fully adopted as an efficient way for consumers to easily
`access a variety of ·content sources in a single, easy to use
`format. As the volume of available online content continues
`to grow exponentially, portals are now confronted with the
`need to make different types of content available to different 55
`consumers based upon their· particular preferences and
`tastes.
`The phenomenal s11ccess of Internet portals and destina(cid:173)
`tion sites has demonstrated the importance of creatively and
`. intelligently aggregating, organizing and presenting the
`mass of information available on the Web. Search engines,
`portals and destination sites have Internet strategies based on
`the frequency, duration and quality of end user visits to their
`sites. For this reason, destination sites and portals are
`constantly seeking content and/or technologies which drive
`quality traffic to their site and keep it there. Recent trends
`indicate that Internet users are up to 25 times more likely to
`
`· 5
`
`2
`come back to a site when this information is organized
`according to personal preferences.
`FIG. 1 displays the current process of acquiring oriline PI
`100. The end user first selects an information provider site
`in step 110. The end user proceeds to step 120 by locating
`and entering the Internet ·address of the selected inforrriation
`provider. This step may be accomplished in several manners
`with varying levels of complexity. A simple means for
`accomplishing this step is the utilization of a bookmark or
`10 favorite whereas locating an information provider for the
`first time might involve significant time and effort perform(cid:173)
`ing online searches~ In step 130, the. end users logs into the
`selected information provider's Web site utilizing the site's
`specific logon protocol. This protocol usually involves veri-
`15 fying the identity of the end user using a user name and
`·password or other means of verification, acquiring the
`verification data from cookies residing on the end user's
`system or a combination of requested data and cookie data. ·
`The end user continues in step 14.0 by navigating through ·
`20 Web pages on the information provider's Web site until the
`desired information is located. During this process, the end
`user is often required to visit Web pages of little or no use
`to the end user whose goals is to simply acquire the.
`particular PI residing on the Web site. Ultimately in step 150,
`25 the end user is presented with the desired Pl. The entire
`process · 100 is repeated for each· individual piece of PI
`desired by the. end user. Under this PI access model, the end
`uSer must visit each separate information provider, track
`potentially different identity verification data for each, uti-
`30 lize a differen~ user interface at each site and posi;ibly wade
`through a significant number of filler Web pages.
`.
`FIG. 4 pictorial illustrates the architecture of this current
`access process. Th.e end user 210 utilizes the client computer
`220 to access each PI Web site 250 across the Internet 230 .
`This current model suffers from several significant deficien(cid:173)
`cies. The end user must login to each site separately. Each
`separate site has its own graphical user int~rface. Each site
`wants the end user to stay and return; each visited site wants
`to retain end user focus for as long as possible. No true
`aggregation of PI exists; multiple accesses simply allow
`sequential access to particular pieces of Pl.
`One partial solution to these problems has recently
`evolved in the form of portal sites. Generic portal sites
`aggregate resources into categories and provide links to sites
`covering topics within those categories. Yahoo and Excite
`are examples of generic portal sites. These sites facilitate
`horizontal aggregation of generic content; horizontal aggre(cid:173)
`gation refers to aggregation of PI access within a particular
`information provider category such as banks or utility com(cid:173)
`panies. Some portal site allows individual end users· a
`limited capability to select and configure disparate generic
`Pl. Generic PI refers to PI of interest to the particular end
`user that does not require specific identity verification to
`obtain. For example, an end user might be interested in the
`weather forecast for'his local area. This information could be
`integrated into a portal page without requiring identity
`verification of the particular end user receiving .this PI. The
`individualized portal page provides a significant benefit to
`users seeking to aggregate generic Pl. However, current
`60 portal pages do not generally provide PI requiring identity
`verification such as an end user's stock portfolio or bank
`balance. Further, these pages do not facilitate transactions
`utilizing Pl.
`Under current technology, aggregating PI available over
`65 the Internet requires a significant burden in terms of time,
`effort and learning curve. An end user wishing to access his
`PI needs to individually visit a variety of information
`
`Ex. 1003 Page 21
`
`
`
`US 6,317,783 Bl
`
`·3
`provider sites each with its own requirements, graphical user
`interface and login protocol.
`SUMMARY OF THE INVENTION
`In the present invention, a networked computer is used to
`facilitate end user access of, manipulation of .and .transac~.
`tions involving electronic PI associated with the particular
`end user such as stock portfolio, local weather, sports scores,
`bank account balances or o'ther pertinent information or data.
`According to the present invention, the PI relevant to the
`particular end user is aggregated on the networked com(cid:173)
`puter. This information or data is delivered to the end user
`in a unified manner by a variety of selectable delivery
`platforms such as facsimile, client computer, telephone, .
`conventional niail, electronic mail, pager, other wireless
`device, Web page or channel or other delivery vehicle. The
`present inventi.on further facilitates a variety of electronic
`transactions involving Pl · such as stock trading, retail
`purchases, bill payment, bank account fund transfers or
`other transactions.
`·
`·
`A system for delivering personal information according to
`the present invention includes a user store including end user
`data, a provider store including information provider data, a
`personal information store including personal information
`and a processor that communicates with these data stores.
`The processor supports the aggregation of personal infor(cid:173)
`mation. The processor selects an end user for personal
`information aggregation. Once the end user is selected, the
`processor connects with one or more information providers.
`The processor then proceeds to retrieve personal information
`for the selected erid user from the connected information
`providers. This retrieval is based on end user data associated
`with the selected end user and provider data associated with
`the connected information providers. The retrieved personal
`information is stored in the personal information store.
`The above and other objects and advantages of the. present
`invention will become more readily apparent when reference
`is made to the following description, taken in conjunction
`with the accompanying drawings.
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`FIG. 1 is a process diagram of the current process that end
`·
`users perform to access Internet available. Pl.
`FIG. 2 is a block diagram of the components that could be
`used to implement present invention.
`FIG. 3 is a block diagram of the components of the PI
`engine.
`FIG. 4 is a diagram of the current PI access.architecture.
`FIG. 5 is a diagram of an architecture supporting Pl access
`utilizing an intermediary Web site.
`FIG. 6 is a· diagram of the cookie/client cache architec(cid:173)
`ture.
`FIG. 7 .is a flowchart for accessing pages underlying
`particular PI via the traditional process of FIG. 1 and via
`springboard technology ..
`FIG. 8 . depicts the integration model for the dynamic
`generation. of HTML pages.
`FIG. 9 displays the run-time process for dynamic genera(cid:173)
`tion of HTML page.
`FIG. 10 illustrates a process for automated applet inter(cid:173)
`action utilizing a modified Java virtual machine.
`FIG. 11 is a flowchart exemplifying an intermediary Web
`site transaction structure.
`
`DETAILED DESCRIPTION OF THE
`INVENTION
`A preferred embodiment of the invention .is now described
`in detail. Referring to the drawings, like numbers indicate
`
`4
`like parts throughout the views. As ·used in the description
`herein and throughout the claims that follow, the meaning of
`. "a,'' "an," and "the" includes plural reference unless the
`context clearly dictates otherwise. Also, as used in the
`5 . description herein and throughout the claims that follow, the
`meaning of "in" includes "in" and "on" unless the context .
`clearly dictates otherwise.
`In no time, end users will have to log into a large number
`of different Web Sites, each with. separate passwords,
`10 security, rules, software and "look and feel"-just to get the
`information currently obtained by checking one place-the
`mailbox at the end of the driveway. The Internet will
`fundamentally change the way in. which end users will
`access Personal Information (PI) and will make e-commerce
`15 as familiar as using an ATM. "Personal Information" is all
`of the data that companies, information providers, have that
`is specific or unique to each person such as· monthly bills,
`bank account balances, investments information, health care
`benefits, email, voice and fax messages, 401(k) holdings or
`20 potentially any other information pertinent to a particular
`end user.
`The present invention alleviates several of the problems
`with the current PI acquisition methods by automatically
`aggregating PI, not only generic PI as aggregated by portals
`25 but also PI specific to the end user requiring identity
`. verification for access. In one embodiment, the invention
`automates the PI acquisition and delivery process. FIG. 2
`provides a block diagram of components that could be· used
`to implement the present invention. The end ·user 210
`30 accesses a client computer 220 running client software 270
`which in a particular embodiment could be a general Web
`browser such as Navigator or Communicator (Netscape).
`The cli~nt computer 220 utilizes the Internet 230 to access
`a PI engine 240 running on a PI host 290. The PI engine 240
`35 examines stored PI 280 for freshness. Any stale PI items are ·
`refreshed by directly reacquiring the Pl from the particular
`information provider's Web site 250 r.unning on the provid-
`. er's computer system 260 accessed across the Internet 230.
`The PI engine 240 stores the fresh PI in its store 280 and
`40 delivers the PI to a se.lected destination, in this instance
`across the Internet 230 to the client computer 220 which
`displays the information to the end user 210 using the client
`software 270. The PI engine 240 refreshes all stale Pr in a
`like manner prior to forwarding the aggregated Plto both the
`45 store 280 and the delivery destination, the client computer
`220 in this instance. The PI engine 240 may refresh the PI
`sequentially or in parallel. For example, the end user's
`checking account balance would be updated through his
`bank's Web site, his email from his particular email site, his
`50 portfolio information from his broker's site and his electric.:. ·
`ity bill from his electricity company's site.
`FIG. 3 displays a block diagram of the components of the
`Pl engine 240. The Pl engine 240 is composed .of both
`storage and processing components. The three primary stor-
`55 age components are the PI store 280, the Pi' Provider store
`310 and the user store 360. The first storage component of
`the PI engine 240 is the PI store 280. The PI store 280 ·
`. contains each individual's PI record 375; t