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公开(公告)号:US20070162377A1
公开(公告)日:2007-07-12
申请号:US11317210
申请日:2005-12-23
申请人: Jason Williams
发明人: Jason Williams
IPC分类号: G06Q40/00
摘要: Based on the small world theory of networking, the present invention provides access to a previously unavailable source of private data, necessary for commerce, by facilitating the sale of private data from members of the general public. For example, the seeker of private data, such as consumer information, submits a data request to an online portal system. The request submission includes legal representations stating the legally permissible purpose for seeking the information. The portal system may display the data request to registered data providers, based on their demographic data. The system facilitates the exchange between the data buyer and the data provider. A payment invoice can be generated and electronically presented by the portal system. The payment may be electronically debited from the designated account of a data. In addition, a portion of such funds may be retained by the portal entity.
摘要翻译: 基于小世界网络理论,本发明通过促进从公众的成员出售私人数据,提供对商业所必需的以前不可用的私人数据源的访问。 例如,诸如消费者信息的私人数据的寻求者向在线门户系统提交数据请求。 请求提交包括法律声明,说明法律允许的寻求信息的目的。 门户系统可以根据他们的人口统计数据向登记的数据提供者显示数据请求。 该系统便于数据买方和数据提供者之间的交换。 支付发票可以由门户系统生成并以电子方式呈现。 付款可以从数据的指定账户电子借记。 此外,这些资金的一部分可能由门户实体保留。
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公开(公告)号:US08280800B2
公开(公告)日:2012-10-02
申请号:US12718412
申请日:2010-03-05
IPC分类号: G06Q40/00
CPC分类号: G06Q40/04 , G06Q40/00 , G06Q40/025
摘要: Provided is a method and system for an online marketplace for the buying, selling and Servicing of financial instruments, such as accounts receivable, where the online marketplace receives and analyzes Account data from a Reporting Agency Database, such as a Consumer Reporting Agency Database. The online marketplace may include a plurality of business logic Components, including an Analysis Component, an Inventory Management Component, an Offer Component, a Transaction Component, a Post-Transaction Component, a Receivables Management Knowledge Base and a Servicing Component. The Receivables Management Knowledge Base applies industry rules and regulations to the data. Users of the online marketplace may be Account Owners, Buyers, sellers, Servicers and the like. Users flag Accounts in the Consumer Reporting Agency database to be placed for sale on the online marketplace. Users may also define Selection Criteria for automatic buying, automatic selling, alerts or other such business rules.
摘要翻译: 提供了一种在线市场的方法和系统,用于在线市场接收和分析诸如消费者报告机构数据库的报告代理数据库的帐户数据的金融工具的购买,销售和服务,例如应收账款。 在线市场可以包括多个业务逻辑组件,包括分析组件,库存管理组件,提供组件,事务组件,后交易组件,应收账款管理知识库和维修组件。 应收账款管理知识库将行业规则和法规适用于数据。 在线市场的用户可能是帐户所有者,买方,卖家,服务商等。 用户将Consumer Reporting Agency数据库中的帐户标记为在线市场上出售。 用户还可以定义自动购买,自动销售,警报或其他此类业务规则的选择标准。
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公开(公告)号:US20070130070A1
公开(公告)日:2007-06-07
申请号:US11293646
申请日:2005-12-02
申请人: Jason Williams
发明人: Jason Williams
CPC分类号: G06F21/602 , G06Q30/02 , G06Q30/0601 , H04L9/30 , H04L63/04 , H04L2209/42 , H04L2209/56
摘要: Facilitating the purchase and sale of private data between anonymous entities based on the use of encryption and a centralized on-line entity to exchange the private data in a secure environment. The seeker of private data, such as consumer information, transmits an encrypted query to the centralized exchange entity. The query submission includes legal representations stating the legally permissible purpose for seeking the information. The centralized exchange entity compares the encrypted query to an encrypted data index collected from at least one data provider, to determine if the query matches any private data held by a data provider. The comparison is conducted within a secure, search component to ensure the privacy of all data and all parties to the transaction. The exchange entity facilitates the anonymous exchange between the data purchaser and the data provider. A payment invoice can be generated and electronically presented by maintainer. The payment may be electronically debited from the designated account of a data purchaser and remitted to a data provider. In addition, a portion of such funds may be retained by the centralized exchange entity.
摘要翻译: 促进基于使用加密的匿名实体和集中式在线实体之间的私有数据的购买和销售,以在安全的环境中交换私人数据。 诸如消费者信息的私人数据的寻求者向加密的交换实体发送加密的查询。 查询提交包括法律声明,说明法律允许的寻求信息的目的。 集中式交换实体将加密查询与从至少一个数据提供者收集的加密数据索引进行比较,以确定查询是否匹配数据提供者所持有的任何私有数据。 比较是在一个安全的搜索组件中进行的,以确保所有数据和交易所有方面的隐私。 交换实体有助于数据购买者和数据提供者之间的匿名交换。 付款发票可以由维护者生成并以电子方式呈现。 付款可以从数据购买者的指定账户电子借记并汇入数据提供者。 此外,这种资金的一部分可能由中央交换实体保留。
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公开(公告)号:US20140095366A1
公开(公告)日:2014-04-03
申请号:US13631578
申请日:2012-09-28
IPC分类号: G06Q40/04
摘要: Provided is a method and system for an online marketplace for the buying, selling and Servicing of financial instruments, such as accounts receivable, where the online marketplace receives and analyzes Account data from a Reporting Agency Database, such as a Consumer Reporting Agency Database. The online marketplace may include a plurality of business logic Components, including an Analysis Component, an Inventory Management Component, an Offer Component, a Transaction Component, a Post-Transaction Component, a Receivables Management Knowledge Base and a Servicing Component. The Receivables Management Knowledge Base applies industry rules and regulations to the data. Users of the online marketplace may be Account Owners, Buyers, sellers, Servicers and the like. Users flag Accounts in the Consumer Reporting Agency database to be placed for sale on the online marketplace. Users may also define Selection Criteria for automatic buying, automatic selling, alerts or other such business rules.
摘要翻译: 提供了一种在线市场的方法和系统,用于在线市场接收和分析诸如消费者报告机构数据库的报告代理数据库的帐户数据的金融工具的购买,销售和服务,例如应收账款。 在线市场可以包括多个业务逻辑组件,包括分析组件,库存管理组件,提供组件,事务组件,后交易组件,应收账款管理知识库和维修组件。 应收账款管理知识库将行业规则和法规适用于数据。 在线市场的用户可能是帐户所有者,买方,卖家,服务商等。 用户将Consumer Reporting Agency数据库中的帐户标记为在线市场上出售。 用户还可以定义自动购买,自动销售,警报或其他此类业务规则的选择标准。
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公开(公告)号:US07742973B2
公开(公告)日:2010-06-22
申请号:US11095749
申请日:2005-03-31
IPC分类号: G06Q40/00
CPC分类号: G06Q40/04 , G06Q40/00 , G06Q40/025
摘要: Provided is a method and system for an online marketplace for the buying, selling and Servicing of financial instruments, such as accounts receivable, where the online marketplace receives and analyzes Account data from a Reporting Agency Database, such as a Consumer Reporting Agency Database. The online marketplace may include a plurality of business logic Components, including an Analysis Component, an Inventory Management Component, an Offer Component, a Transaction Component, a Post-Transaction Component, a Receivables Management Knowledge Base and a Servicing Component. The Receivables Management Knowledge Base applies industry rules and regulations to the data. Users of the online marketplace may be Account Owners, Buyers, sellers, Servicers and the like. Users flag Accounts in the Consumer Reporting Agency database to be placed for sale on the online marketplace. Users may also define Selection Criteria for automatic buying, automatic selling, alerts or other such business rules.
摘要翻译: 提供了一种在线市场的方法和系统,用于在线市场接收和分析诸如消费者报告机构数据库的报告代理数据库的帐户数据的金融工具的购买,销售和服务,例如应收账款。 在线市场可以包括多个业务逻辑组件,包括分析组件,库存管理组件,提供组件,事务组件,后交易组件,应收账款管理知识库和维修组件。 应收账款管理知识库将行业规则和法规适用于数据。 在线市场的用户可能是帐户所有者,买方,卖家,服务商等。 用户将Consumer Reporting Agency数据库中的帐户标记为在线市场上出售。 用户还可以定义自动购买,自动销售,警报或其他此类业务规则的选择标准。
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公开(公告)号:US08560456B2
公开(公告)日:2013-10-15
申请号:US11293646
申请日:2005-12-02
申请人: Jason S. Williams
发明人: Jason S. Williams
CPC分类号: G06F21/602 , G06Q30/02 , G06Q30/0601 , H04L9/30 , H04L63/04 , H04L2209/42 , H04L2209/56
摘要: Facilitating the purchase and sale of private data between anonymous entities based on the use of encryption and a centralized on-line entity to exchange the private data in a secure environment. The seeker of private data, such as consumer information, transmits an encrypted query to the centralized exchange entity. The query submission includes legal representations stating the legally permissible purpose for seeking the information. The centralized exchange entity compares the encrypted query to an encrypted data index collected from at least one data provider, to determine if the query matches any private data held by a data provider. The comparison is conducted within a secure, search component to ensure the privacy of all data and all parties to the transaction. The exchange entity facilitates the anonymous exchange between the data purchaser and the data provider. A payment invoice can be generated and electronically presented by maintainer. The payment may be electronically debited from the designated account of a data purchaser and remitted to a data provider. In addition, a portion of such funds may be retained by the centralized exchange entity.
摘要翻译: 促进基于使用加密的匿名实体和集中式在线实体之间的私有数据的购买和销售,以在安全的环境中交换私人数据。 诸如消费者信息的私人数据的寻求者向加密的交换实体发送加密的查询。 查询提交包括法律声明,说明法律允许的寻求信息的目的。 集中式交换实体将加密查询与从至少一个数据提供者收集的加密数据索引进行比较,以确定查询是否匹配数据提供者所持有的任何私有数据。 比较是在一个安全的搜索组件中进行的,以确保所有数据和交易所有方面的隐私。 交换实体有助于数据购买者和数据提供者之间的匿名交换。 付款发票可以由维护者生成并以电子方式呈现。 付款可以从数据购买者的指定账户电子借记并汇入数据提供者。 此外,这种资金的一部分可能由中央交换实体保留。
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7.
公开(公告)号:US20060277092A1
公开(公告)日:2006-12-07
申请号:US11145153
申请日:2005-06-03
申请人: Jason Williams
发明人: Jason Williams
CPC分类号: G06Q40/00 , G06F16/1834 , G06Q20/14 , G06Q20/367 , G06Q20/401 , G06Q30/0609 , G07F17/16 , H04L65/1069
摘要: Using peer-to-peer networking to exchange consumer information in a secure environment. The seeker of consumer information transmits an encrypted query to authenticated and trusted peers which includes legal representations stating the legally permissible purpose for seeking the information. A peer, acting as a maintainer of consumer information, determines if the query matches any consumer information held by the maintainer. The maintainer then informs the seeker of the results of the match, the type of information available, the data format, and the price for such consumer information. A payment invoice can be generated and electronically presented by maintainer. The payment may be electronically debited from the designated account of seeker and remitted to maintainer. In addition, a portion of such funds may be delivered to an entity which maintains the peer-to-peer software.
摘要翻译: 使用对等网络在安全的环境中交换消费者信息。 消费者信息的搜索者将加密的查询传送给认证和可信任的对等体,其中包括法律声明,说明用于寻求信息的合法允许的目的。 作为消费者信息的维护者的对等体确定查询是否匹配维护者持有的任何消费者信息。 然后,维护者向搜索者通知匹配结果,可用信息的类型,数据格式以及这些消费者信息的价格。 付款发票可以由维护者生成并以电子方式呈现。 付款可以从指定的追索者帐户电子借记,并汇给维护人员。 此外,这样的资金的一部分可以被递送到维护点对点软件的实体。
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公开(公告)号:US20060224483A1
公开(公告)日:2006-10-05
申请号:US11095749
申请日:2005-03-31
申请人: Brett Samsky , Steve Stewart , Jason Williams , Malin Eriksson
发明人: Brett Samsky , Steve Stewart , Jason Williams , Malin Eriksson
IPC分类号: G06Q40/00
CPC分类号: G06Q40/04 , G06Q40/00 , G06Q40/025
摘要: Provided is a method and system for an online marketplace for the buying, selling and Servicing of financial instruments, such as accounts receivable, where the online marketplace receives and analyzes Account data from a Reporting Agency Database, such as a Consumer Reporting Agency Database. The online marketplace may include a plurality of business logic Components, including an Analysis Component, an Inventory Management Component, an Offer Component, a Transaction Component, a Post-Transaction Component, a Receivables Management Knowledge Base and a Servicing Component. The Receivables Management Knowledge Base applies industry rules and regulations to the data. Users of the online marketplace may be Account Owners, Buyers, sellers, Servicers and the like. Users flag Accounts in the Consumer Reporting Agency database to be placed for sale on the online marketplace. Users may also define Selection Criteria for automatic buying, automatic selling, alerts or other such business rules.
摘要翻译: 提供了一种在线市场的方法和系统,用于在线市场接收和分析诸如消费者报告机构数据库的报告代理数据库的帐户数据的金融工具的购买,销售和服务,例如应收账款。 在线市场可以包括多个业务逻辑组件,包括分析组件,库存管理组件,提供组件,事务组件,后交易组件,应收账款管理知识库和维修组件。 应收账款管理知识库将行业规则和法规适用于数据。 在线市场的用户可能是帐户所有者,买方,卖家,服务商等。 用户将Consumer Reporting Agency数据库中的帐户标记为在线市场上出售。 用户还可以定义自动购买,自动销售,警报或其他此类业务规则的选择标准。
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