ATTORNEY DOCKET NO. 22022.0001
`
`PROVISIONAL APPLICATION FOR PATENT
`COVER SHEET
`
`This is a request for filing a PROVISIONAL APPLICATION FOR PATENT under 37
`C.F,R.
`
`Docket Number
`
`22022.0001
`
`Type a Plus Sign
`inside this box - -
`
`INVENTOR(s)/APPLICANT(s)
`
`LAST NAME
`
`FIRST NAME
`
`MIDDLE
`INITIAL
`
`RESIDENCE (City and Either State or Foreign Country)
`
`Freishtat
`
`Gregg
`
`Dunwoody, Georgia
`
`H:\apps\ss\docs\gjk\W005018.WPD
`
`TITLE OF INVENTION (280 characters max)
`
`Plaid Technologies, Inc.
`
`Petitioner's Ex. 1013
`Page 1
`
`

`
`“APPARATUS AND METHOD FOR AUTORIATED DELIVERY OF AND TRANSACTIONS INVOLVING
`ELECTRONIC PERSONAL INFORMATION OR DATA”
`
`CORRESPONDENCE ADDRESS
`
`Gregory J. Kirsch, Esq.
`NEEDLE & ROSENBERG, P.C.
`Suite 1200, The Candles Building
`127 Peachtree Street, N, E.
`Atlanta
`
`STATE
`
`Georgia
`
`ZIP CODE
`
`30303-1811
`
`COUNTRY
`
`ENCLOSED APPLICATION PARTS (then All That Apply)
`
`[X]
`
`[X]
`
`Specification
`
`Number of Pages
`
`[ 17 J
`
`Drawing(s)
`
`Number of sheets
`
`[]
`
`[]
`
`[]
`
`Small Entity Statement
`
`Power of Attorney
`
`Other (specify)
`
`U.S.A.
`
`ATTORNEY DOCKET
`
`METHOD PAYMENT OF FILING FEES FOR THIS PROVISIONAL APPLICATION FOR PATENT (C/:e«k 6n )
`
`[X]
`
`A check or money order is enclosed to cover the filing fees.
`
`[]
`
`[]
`
`The Commissioner is hereby authorized to charge filing fees
`and credit Deposit Account Number:
`
`FILING FEE
`AMOUNT
`
`The Commissioner is hereby authorized to charge any
`additional fees which may be required in connection with the
`following or credit any overpayment to Deposit Account No.
`14—0629.
`
`H:\apps\ss\docs\gjk\W005018.WPD
`
`Petitioner's Ex. 1013
`Page 2
`
`

`
`US006317783B1
`US 6,317,783 BI
`Rio) Patent No.:
`Nov. 13, 2001
`(4s) Date of Patent:
`
`The invention was made by an
`agency of the United States
`Government or under a contract
`with an agency of the United
`States Government.
`
`Yes. The name ofthc
`[]
`U.S. Government agency and the
`Government contract number are:
`
`Respectfully submitted,
`i United States Patent
`Freishtat et al.
`
`SIGNATURE
`
`(54)
`
`(75)
`
`(73)
`
`TYPED
`
`
`or
`
`I
`
`PR
`
`:
`
`NEED
`
`H:\apps\ss\docs\gjk\W005018,WPD
`
`LE &
`ROSE
`NBER
`G,
`P.C.
`Suite
`1200,
`The
`Candl
`er
`Buildi
`ng
`127
`Peach
`tree
`Street,
`N.E.
`Atlant
`a,
`Georg
`ia
`30303
`-1811
`
`CERTIFICATE OF EXPRESS MAILING(60)
`
`(56)
`
`Gregory J. Kirsch
`
`NTED
`
`
`
`NAME
`
`Petitioner's Ex. 1013
`Page 3
`
`

`
`Inventors: Gregg Freishtat; Palaniswamy Rajan,
`both of Atlanta, GA (US)
`
`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.
`
`Appl. No.: 09/428,511
`Oct. 27, 1999
`Filed:
`
`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.’ ...................................................... G06F 13/00
`U.S. CI. ............................................... 709/218, 707/10
`Field of Search ............................... 707/10; 709/217,
`709/218
`
`5,347,632
`5,537,314
`
`References Cited
`U.S. PATENT DOCUMENTS
`
`9/1994 Filepp et at. ......................... 709/202
`7/1996 Kanter .................................... 705/14
`
`(List continued on next page.) OTHER
`PUBLICATIONS
`
`10/28/98
`Date
`Security
`“Database
`and Privacy,” Sushil Jajodia, ACM Computing Surveys, vol.
`28, Issue 1 pp. 129—131, Mar.
`(1996).
`“Managing Security and Privacy of information,” Sushil
`Jajodia, ACM Computing Surveys, vol. 28 Issue 4es, Dec.
`(1996).
`“Today’s Style Sheet Standards: The Great Vision Blinded,”
`Philip M. Marden, Jr. and Ethan V Munson, IEEE Com- puter,
`pp. 123—125.
`Information Retrieval
`for
`Interfaces
`“Collapsible User
`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.
`
`Primary Examiner----Kenneth R. Coulter
`Attorney, A gent, or f /rm—————Needle & Rosenberg. P.C.
`(74)
`ABSTRACT
`(57)
`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 selects an end user for personal infonmation
`aggregation. The processor connects with one or more
`information providers. The processor then proceeds to retrieve
`personal information for the 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
`
`AP
`PA
`RA
`TU
`S
`AN
`D
`
`ME
`
`T
`
`HOD
`
`S
`FO
`R
`AU
`TO
`
`MA
`
`T
`ED
`
`AGGR
`
`E
`
`GA
`
`T
`IO
`N
`AN
`
`DD
`
`E
`LI
`VE
`RY
`OF
`AN
`D
`TR
`AN
`SA
`CT
`IO
`NS
`IN
`
`VO
`
`L
`VI
`
`NG
`
`
`EL
`EC
`TR
`
`ON
`
`I
`C
`PE
`RS
`
`ON
`
`A
`
`LI
`
`N
`FO
`
`RMA
`
`T
`IO
`N
`
`OR
`
`
`DA
`TA
`
`Petitioner's Ex. 1013
`Page 4
`
`

`
`“Strategic Directions in Database Systems—Breaking Out of
`the Box,” Avi Silberschatz, and Stan Zdonik ct at., ACM
`Computing Surveys, vol. 28, No. 4, pp. 764—778, Dec.
`(1996).
`
`providers. The retrieved personal information is stored in the
`personal information store.
`
`36 Claims, 11 Drawing Sheets
`
`RIGINATING PI
`
`ATIONSBANK)
`
`COM NY'S
`WEB SE VER
`
`SITE (RI)
`
`SITE (PI)
`
`SITE (P
`
`r'.or mz raons COMMUNICATIONS & CUSTOM
`
`Petitioner's Ex. 1013
`Page 5
`
`

`
`US 6,317,783 BI
`Page 2
`
`U.S. PATENT DOCUMENTS
`8/1997 Bucci ..................................... 705/40
`5,655,089
`5,696,965 * 12/1997 Dedrick .................................. 707/10
`12/1997 Hogan .................................... 705/40
`5,699,528
`5,710,887
`1/1998 Chelliah et at. ....................... 705/26
`5,712,979
`1/1998 Graber et at. ........................ 709/224
`5,724,567 * 3/1998
`Rose ......................................... 707/2
`10/1998 Zdepski et at. ........................ 705/78
`5,825,884
`5,848,396
`12/1998 Gerace ................................... 705/10
`5,860,068
`1/1999 Cook ...................................... 705/26
`5,862,325 * 1/1999
`Reed et at. ........................... 709/201
`5,878,219
`3/1999 Vance, Jr. et at. ................... 709/217
`3/1999 Duvall et at. ........................ 709/206
`5,884,033
`5,884,045
`3/1999 Kurihara .............................. 709/237
`5,893,091
`4/1999 Hunt et at. ............................... 707/3
`4/1999 Lhp cry et at. ...................... 709/203
`5,894,554
`,89 ,468
`4/1999 W itmyer, Jr. ........................ 707/10
`
`5,897,622
`
`4/1999 Blmn et at. ............................ 705/26
`
`* cited by examiner
`
`4/1999
`5,898,836
`6/1999 Freivald et at. ..................... 709/218
`5,913,202
`6/1999 Perkowski .............................. 705/27
`5,918,214
`7/1999 Carter ..................................... 705/26
`5,926,798
`9/1999 Xue .......................................... 707/3
`5,956,709
`10/1999 Kirsch .................................... 705/26
`5,963,915
`11/1999 Luciw ...................................... 705/1
`5,978,766
`5,978,779 * 11/1999
`5,983,200
`11/1999 Slotznick ............................... 705/26
`5,983,227
`11/1999 N
`5,987,440 * 11/1999
`5,987,498
`11/1999 Athing et at. ........................ 709/203
`5,991,735
`11/1999 Gerace ................................... 705/10
`5,991,756
`11/1999 Wu ........................................... 707/3
`5,995,965 * 11/1999
`5,999,975 * 12/1999
`6,029,175
`2/2000 Chow et at. ......................... 707/104
`
`Motoyama ............................. 705/35
`
`Stein et at. ............................. 705/37
`
`Neil et a .
`
`::::::::::: 705 40
`
`Experton ................................ 707/10
`Kittaka et at. ....................... 709/224
`
`Petitioner's Ex. 1013
`Page 6
`
`

`
`U.S. Patent
`11
`
`Nov. i3, 2001
`
`Sheet 1 of
`
`US 6,317,783 BI
`
`Figured
`(PriorArt)
`
`SELECT
`INFORMATION
`PROVIDER
`
`LOCATE AND
`ENTER
`PROVIDER SITE
`ADDRESS
`
`REPEAT
`PROCESS TO
`SEEK
`ADDITIONAL
`PI
`
`LOG INTO
`PROVIDER SITE
`
`30
`'
`
`NAVIGATE
`EXTRANEOUS
`WEB PAGE(S)
`
`VIEW DESIRED PI
`FROM PROVIDER
`SITE
`
`Petitioner's Ex. 1013
`Page 7
`
`

`
`U.S. Patent
`11
`
`Nov. i3, 2001
`
`Sheet 2 of
`
`US 6,317,783 BI
`
`CLIENT
`COMPUTER
`
`Figure 2
`
`INTERNET
`230
`
`PROVIDER
`COMPUTER
`
`CLIENT
`SOFTWARE
`270
`
`PI
`HOST
`290
`
`END
`USER
`210
`
`260
`
`WEB SERVER
`
`PROVIDER
`COMPUTER
`
`250
`
`PI ENGINE
`240
`
`WEB SERVER
`
`Petitioner's Ex. 1013
`Page 8
`
`

`
`-IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
`'
`I
`
`IIIIIIII
`
`I
`I
`4&4
`
`.13
`
`J
`
`J3I!S|IU.l_IjSS933V7
`
`DIE
`3.1019
`.l3p]A0.!d'_
`
`31!.
`
`0:)
`3.lIl
`_xasn pug
`
`a.[n3g|l}:!\': unosgg
`
`l}n1I11¢'n:1':n'n
`
`:55:I0:
`
`:§'»: '.:
`
`Petitioner's Ex. 1013
`Page 9
`
`I
`
`I I
`
`IIIIIIIIIIIIIIIIIIII I
`
`IIIIIIIIIIII I
`
`I
`
`I I
`
`IIIIIIIIIIIIII
`
`Petitioner's Ex. 1013
`Page 9
`
`

`
`ia c ‹‘‹ic‘s sn
`
`ii Jº c i°°ss
`
`ioor‘ci ••x
`
`jua jeq •$•y
`
`Petitioner's Ex. 1013
`Page 10
`
`

`
`Figure 4
`(Prior
`Art)
`
`COMPANY WEB
`
`COMPANY WEB
`
`COMPANY WEB
`
`SITE
`
`SITE
`
`SITE
`
`COMPANY WEB
`SITE
`
`COMPANY WEB
`SITE
`
`COMPANY WEB
`SITE
`
`BANKING &
`INVESTMENTS ”
`
`PHONE BILL
`POWER
`BILL CABLE
`BILL ETC
`
`HEALTH AND
`EMPLOYEE
`BENEFITS
`
`REDI CARDS
`& MORTGA ES
`
`COMMUNICATIONS &
`MESSAGES (EMAIL,
`FAX, VOICE)
`
`PORTAL GENERIC
`CONTENT
`
`INTERNET
`
`PASSWORD, LOGIN AND PROPRIETARY
`GUI
`
`Petitioner's Ex. 1013
`Page 11
`
`

`
`END USER
`
`Figure S
`
`250
`
`50
`ORIGINATING PI
`
`COMPANY WEB
`SITE (PI)
`
`COMPANY WEB
`SITE (PI)
`
`COMPANY WEB
`SITE (PI)
`
`COMP NY’S
`WEB SE VER
`
`(NATIONSBANK)
`
`CREDIT CARDS
`
`W!
`COMMUNICATIONS &
`
`CUSTOMER
`
`GENERIC
`& MORTGAGES ” MESSAGES (EMAIL,
`CONTENT (PORTAL)
`FAX, VOICE)
`
`INTERNET
`
`220
`
`Petitioner's Ex. 1013
`Page 12
`
`

`
`PI
`ENGI
`NE
`
`240
`
`DATA
`
`DATA
`
`END
`
`USER
`
`
`
`Petitioner's Ex. 1013
`Page 13
`
`

`
`
`
`Petitioner's Ex. 1013
`Page 14
`
`Petitioner's Ex. 1013
`Page 14
`
`

`
`18 C8£‘£IC‘9 Sf1
`
`Petitioner's Ex. 1013
`Page 15
`
`

`
`U.S. Patent
`11
`
`N».. i3, 2001
`
`Sh‹×t 7 »f
`
`US 6,317,783 BI
`
`Figure 7
`
`Select Provider
`110
`
`Locate Provider
`Address
`
`Pege
`
`Main Page
`710
`
`Provider
`Intermediate
`Page
`720
`
`Provider
`Desired
`Psge
`
`Petitioner's Ex. 1013
`Page 16
`
`

`
`U.S. Patent
`11
`
`Nov. i3, 2001
`
`Sheet 8 of
`
`US 6,317,783 BI
`
`Figure 8
`
`DISTRIBUTOR STYLE
`SPECIFICATION
`830
`
`PROVIDER STYLE
`SPECIFICATION
`840
`
`PROVIDER CONTENT 820
`
`DISTRIBUTOR
`CONTENT
`810
`
`USER CONTENT 850
`
`USER STYLE
`860
`
`870
`DYNAMIC PAGE GENERATION
`
`RESULTING PAGE 880
`
`Petitioner's Ex. 1013
`Page 17
`
`

`
`U.S. Patent
`11
`
`Nov. i3, 2001
`
`Sheet 9 of
`
`US 6,317,783 BI
`
`Figure 9
`
`820
`
`840
`
`DISTRIBUTOR
`CONTENT
`
`PROVIDER
`CONTENT
`
`DISTRIBU
`STYLI
`
`³ROVIDER STYLE
`
`850
`
`USER
`SPECIFIC
`CONTENT
`
`CONTENT
`MERGER
`910
`
`STYLE
`MERGER
`920
`
`860
`
`USER
`SPECIFIC
`STYLE
`
`930
`COMPLETE
`CONTENT
`SPECIFICATION
`
`940
`COMPLETE
`STYLE
`SPECIFICATION
`
`870
`
`STYLE
`APPLICATOR
`950
`
`RESULTING
`PAGE
`880
`
`Petitioner's Ex. 1013
`Page 18
`
`

`
`U.S. Patent
`11
`
`Nov. i3, 2001
`
`Sheet 10 »f
`
`US 6,317,783 BI
`
`Figure 19
`
`IDENTIFY
`PROVIDER AND
`APPLET.
`1010
`
`ACCESS APPLET
`TEMPLATE.
`1020
`
`ACCESS DATA
`FOR APPLET
`TEMPLATE.
`1030
`
`INTERPRET
`APPLET.
`1040
`
`SUPPLY OR
`RECEIVE DATA.
`1050
`
`APPLET
`
`1060
`
`Petitioner's Ex. 1013
`Page 19
`
`

`
`U.S. Patent
`
`Nov. i3, 2001
`
`Sheet 11 «f 11
`
`US 6,317,783 BI
`
`REGISTRATION NO. 35,572 (IfAppropriate)
`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 GIVEN MONTH
`1120
`
`EXPRESS MAII. NO. EL055857402
`
`DEBIT MINIMUM MONTHLY FEE
`ACCORDING TO AN AUDITED
`USAGE
`1130
`
`I hereby certify that this correspondence is heing deposited with the Uniteil States Postal Service as Express Mail
`Invoice !’v’o.
`EI.O:›5857402US in an envelope addressed to: BOX PROVISIONAL APPL tCATION, Assistant Commissi0ner for Patents,
`Washington, D.C. ?0231, on this day of _
`, 1998.
`
`CHARGE INTERMEDIATE SITE FOR
`FEES IN EXCESS OF MINIMUM
`
`Petitioner's Ex. 1013
`Page 20
`
`

`
`MONTHLY FEE
`1140
`
`H:\apps\ss\docs\gjk\W005018,WPD
`
`Petitioner's Ex. 1013
`Page 21
`
`

`
`Charles Hancock
`DATE
`
`US 6,317,783 B1
`
`2
`requirements, graphical user interface
`
`APPARATUS AND
`METHODMETHODS 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 and
`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- tus
`and Method for Automated Aggregation and Delivery of and
`Transactions Involving Electronic Personal Information or
`Data”.
`
`FIELDBACKGROUND OF INVENTION
`1. Field of Invention
`The invention relates to an apparatus and process related
`to thefor automated aggregation and delivery of electronic
`personal information or data (PI). The invention further relates
`to the automation of transactions involving electronic PI.
`
`and login protocol. In the present
`
`invention, a networked computer is
`
`used to facilitate end usei access of,
`
`manipulation of and transactions
`
`involving electronic PI associated
`
`with the particular end user such as
`
`stock portfolio, local weather, sports
`
`scores, bank account balances or
`
`other pertinent
`
`20
`
`information or data. According to the
`
`SUMM
`ARY
`OF
`THE
`INVE
`NTIO
`N
`
`Under current technology,
`aggregating PI available
`over the Internet requires a
`
`significant burden in terms of
`time, effort and learning curve. An
`end user wishing to
`
`i s
`
`access his PI needs to individually
`
`visit a variety of information
`
`provider sites each with its own
`H:\apps\ss\docs\gjk\W005018,WPD
`
`present invention, the PI relevant to
`
`the particular end user is aggregated
`
`on the networked computer. 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, Web channel
`
`or other delivery vehicle. The
`
`present invention further facilitates a
`
`variety of electronic transactions
`
`involving PI such
`
`Petitioner's Ex. 1013
`Page 22
`
`

`
`as stock trading, retail purchases,
`
`bill payment, bank account fund
`
`transfers or other transactions.
`
`BRIEF
`DESCRIPTIO
`N OF THE
`DRAWINGS
`
`FIG. 1 is a process diagram
`of the current process that
`end users perform to access
`
`Internet available PI.
`
`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.
`
`number of different Web Sites,
`
`each with separate passwords,
`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
`
`20
`
`driveway. The Internet will
`
`fundamentally change the way
`
`in which end users will access
`
`Personal Information (PI) and
`
`will make e-commerce 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
`
`intermediary Web site.
`
`DETAILED
`DESCRIPTION OF THE
`INVENTION
`
`In no time, end users
`
`H:\apps\ss\docs\gJk\W0f14975.DOC
`will have to log into a large
`
`balances, investments information,
`health care benefits, email, voice and
`fax messages,
`
`401(k) holdings or potentially any
`other information pertinent to a
`particular end user.
`Description of Related Art
`2.
`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 devel- opment of the emerging digital economy.
`
`Petitioner's Ex. 1013
`Page 23
`
`

`
`Prior to 1994, the 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 existing
`data source, find the address, navigate to the destination, and
`download the information). As more con- sumers began
`accessing the Internet, Search Engines were created to solve
`this usability issue. With the advent of the commercial Search
`Engine, additional content could be 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- 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 consumers based upon their particular
`preferences and tastes.
`The phenomenal success of Internet portals and destina-
`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
`
`FIG. l 1displays the current process of acquiring online PI
`
`come back to a site when this information is organized
`according to personal preferences.
`100. The end user firsts
`information
`selects an
`provider site in step 110. The end user proceeds to step 120 by
`locating and entering the Internet address of the selected
`information 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 and10
`effort performingperform-
`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
`verifyingveri- 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 user1s continues in step 140 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 a 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, the end user
`is presented with the desired PI. The entire process 100 is
`repeated for each20
`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,
`utilizeuti-
`30 lize a different user interface at each site and possibly wade
`significant number of Millerlitter Web
`through a
`pagepages.
`FIG. 4 pictorial illustrates the architecture of this current
`access process. The 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
`deficienciesdeficien- cies. The end5
`user
`must
`login to each site separately. Each separate site has its own
`graphical user interface. 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
`40 aggregation of PI exists; multiple accesses simply allow
`sequential access to particular pieces of PI.
`One partial solution to these problems has recently evolved
`the
`form
`of
`
`in
`portal
`
`sites. Generic portal sites aggregate resources into categories
`and provide links to sites 45 covering topics within those
`categories. Yahoo and Excite are examples of generic portal
`sites. These sites facilitate horizontal aggregation of generic
`content; horizontal,.
`aggregation aggre- gation refers
`to aggregation of PI access within a particular information
`provider
`category
`such
`as banks or utility
`com-
`
`H:\apps\ss\docs\gJk\W0f14975.DOC
`
`50 panies. Some portal site allows individual end users a limited
`capability to select and configure disparate generic PI. Generic
`PI refers to PI of interest to the particular end user that does
`not require specific identity verification to obtain. For
`
`Petitioner's Ex. 1013
`Page 24
`
`

`
`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?0
`verification of the particular end user
`receiving this PI. The individualized portal page provides
`a significant benefit to users seeking to aggregate generic
`PI. 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 PI.
`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
`
`H:\apps\ss\docs\gJk\W0f14975.DOC
`
`Petitioner's Ex. 1013
`Page 25
`
`

`
`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
`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
`
`A preferred embodiment of the invention is now described
`in detail. Referring to the drawings, like numbers indicate
`
`US 6,317,783 B1
`
`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 other pertinent information or data.
`invention, the PI relevant to the
`aggregated on the networked com-
`According to the
`particular end user
`
`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
`mail, electronic mail, pager, other wireless device, Web page or
`channel or other delivery vehicle. The present invention further
`facilitates a variety of electronic transactions involving PI 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- 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 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.
`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. 1is a process diagram of the current process that end
`users perform to access Internet available PI.
`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
`
`FIG. 4 is a diagram of the current PI access architecture.
`FIG. 5 is a diagram of an architecture supporting PI access
`utilizing an intermediary Web site.
`FIG. 6 is a diagram of the cookie/client cache architec-
`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-
`tion of HTML page.
`FIG. 10 illustrates a process for automated applet inter-
`action utilizing a modified Java virtual machine.
`FIG. 11 is a flowchart exemplifying an intermediary Web
`site transaction structure.
`DETAILED DESCRIPTION OF THE
`INVENTION
`
`Petitioner's Ex. 1013
`Page 26
`
`

`
`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 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(/‹) holdings or
`20 potentially any other information pertinent to a particular
`end user.
`invention alleviates several of
`The present
`problems with the current PIs
`acquisition methods by automatically aggregating PI, not
`only generic PI as aggregated by portalportals 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
`27010
`which in a particular embodiment could
`be a general Web browser such as Navigator or
`Communicator (Netscape). The client computer 220
`utilizes the Internet 230 to access a PI engine 240 running
`on a PI host 290. The PI engine 240 examines locally
`stored PI 280 for freshness. Any stale PI items are
`refreshed by directly reacquiring
`the PI from
`the
`particular information provider'’s Web site 250 running
`on the provider'provid- er’s computer system 260
`accessed acrossis
`Internet 230. The PI
`the
`engine 240 stores the fresh PI in its local store 280 and
`40 delivers the PI to a selected 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
`PI in a like manner prior to forwarding the aggregated PI
`to both the local45 store 280 and the delivery destination,
`the20
`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 the his particular email
`site, his
`50 portfolio information from his broker'’s site and his
`electricityelectric-
`ity
`bill
`from his electricity
`company'’s site.
`FIG. 3 displays a block diagram of the components of
`the PI engine 240. The PI5
`240
`engine
`is
`composed of both storage and processing components.
`The three primary storagestor- 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 PI records
`for each individual end user’s PI record 375; the PI
`associated with a particular end user is segregated from
`the PI of all 60 other end users. The PI engine also utilizes
`ato provider
`310
`store
`that maintains general
`parameters associated with particularpar- ticular PI
`providers. The general parameters of a PI provider define
`the
`types of verification data necessary and
`the
`procedures to be followed to gain access to the particular
`PI 65 provider. Each PI provider record also contains the
`types of PI provided by the PI provider and the types of
`transactions supported by the provider. Along with the
`type of PI or
`
`Petitioner's Ex. 1013
`Page 27
`
`

`
`US 6,317,783 B1
`
`6
`In a preferred embodiment, the user store 360 could be
`implemented through personal information configuration (PIC) files.
`PIC
`files
`store
`a
`personal
`profile
`such
`as
`name,
`
`transaction,15
`the record also contains the additional
`types of data and procedures necessary to access the PI or
`execute the transaction. An endA user store 360 is also
`configuration
`and verification
`necessary
`to maintain
`information concerning particularpar- ticular end users. For
`each end user, the user selected PI providers, PIsPI and
`transactions are registered along with the verification data
`necessary to acquire the PI or execute the transaction from the
`PI20
`provider including any requisite cookie
`data..
`The PI store 280 may be implemented in a variety of ways.
`Referring to FIG. 2, the PI store 280 may comprise a database
`residing on the PI Host 290. Under this approach, the PI for
`each individual end user 210 is stored as a separate record or
`object 375 in the database. In yet another embodiment, the PI
`for each end user 210 could be stored in a separate file 375,
`thus performing the task of segregating PI of different users at
`the file level.
`In addition, or as an alternative, the PI associated with
`each end user 210 may reside on his/her client computer
`220 using cookie technology as specified in D. Bristol and
`L. Montulli, “HTTP State Management Mechanism”,
`Request For Comments (RFC) 2109, February, 1997
`(available at http://www.ietf.org/rfc/rfc2109.txt), which is
`expressly incorporated herein in its entirety. The PI
`associate with the end user 210 would be stored as PI
`cookies 375. This implementation mechanism provides
`inherent support for segregating PI associated with one end
`user 375 from PI associated with all other end users.
`Utilizing this method as a substitute for a centralized store
`provides a layer of security against unauthorized access. As
`a further measure, PI data stored in cookies could be stored
`in an encrypted format.
`FIG. 6 provides a diagram of a typical implementation of
`the PI store 280 using cookie technology; references in the
`foregoing description are also made to FIG. 3 with respect to
`the internal workings of the PI engine 240. When an attempt is
`made to access PI by an end user 210 directly, or through an
`intermediary Web server, the PI access/transact component
`340 of the PI engine 240 would retrieve stored PI 375 from the
`PI store 280. Under this approach, this stored PI 375 would be
`received directly from cookies sent by the client computer 220
`of the end user 210. The PI access/transact component 340
`would perform any decryp- tion if necessary. Any updates
`required would be obtained by direct access of PI providers
`250. The PI deliver component 350 would provide the
`mechanism for both updating the PI store 280 as well as
`transmitting the requested PI to the end user 210, directly or
`through an intermediary Web site. The PI deliver component
`350 would place the updated PI in the PI store 280 by
`replacing the outdated PI cookies 375 stored on the client
`computer 220. The PI deliver component 350 would also
`handle any encryption if necessary. The PI deliver component
`350 would also be responsible for trans- mitting requested PI.
`In a preferred embodiment, the PI store 280 would be
`implement