WO2010059840A3 - System and method using a transaction aggregator, superkeys and subkeys - Google Patents
System and method using a transaction aggregator, superkeys and subkeys Download PDFInfo
- Publication number
- WO2010059840A3 WO2010059840A3 PCT/US2009/065167 US2009065167W WO2010059840A3 WO 2010059840 A3 WO2010059840 A3 WO 2010059840A3 US 2009065167 W US2009065167 W US 2009065167W WO 2010059840 A3 WO2010059840 A3 WO 2010059840A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- transaction level
- level data
- user
- transaction
- data
- Prior art date
Links
Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/24—Querying
- G06F16/245—Query processing
- G06F16/2455—Query execution
- G06F16/24553—Query execution of query operations
- G06F16/24554—Unary operations; Data partitioning operations
- G06F16/24556—Aggregation; Duplicate elimination
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/067—Enterprise or organisation modelling
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
Abstract
Systems and methods for providing aggregated transaction level data for particular users to multiple information requesters are disclosed. Subkeys are assigned to user inquiries from multiple information requesters and a superkey is assigned to link them to a user identifier, such as a Social Security number. Account data is obtained based on the superkey and the user identifier. Based on the requests of one or more information requesters, an aggregator server can request transaction level data for all accounts associated with a particular user or a group of users from a transaction database. The aggregator server can then parse the transaction level data based on a number of transaction level data elements and information requester input. The parsed raw transaction level data can be used to determine a number of transaction level data aggregates. User inquiry response files containing transaction level aggregate data can be sent to the information requesters.
Applications Claiming Priority (6)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US11620708P | 2008-11-19 | 2008-11-19 | |
US61/116,207 | 2008-11-19 | ||
US12/616,048 US9818118B2 (en) | 2008-11-19 | 2009-11-10 | Transaction aggregator |
US12/616,048 | 2009-11-10 | ||
US12/616,028 US20100125546A1 (en) | 2008-11-19 | 2009-11-10 | System and method using superkeys and subkeys |
US12/616,028 | 2009-11-10 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2010059840A2 WO2010059840A2 (en) | 2010-05-27 |
WO2010059840A3 true WO2010059840A3 (en) | 2010-09-16 |
Family
ID=42172755
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2009/065167 WO2010059840A2 (en) | 2008-11-19 | 2009-11-19 | System and method using a transaction aggregator, superkeys and subkeys |
Country Status (2)
Country | Link |
---|---|
US (3) | US9818118B2 (en) |
WO (1) | WO2010059840A2 (en) |
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WO2010059840A2 (en) | 2010-05-27 |
US8086528B2 (en) | 2011-12-27 |
US20100262536A1 (en) | 2010-10-14 |
US20100125546A1 (en) | 2010-05-20 |
US20100125547A1 (en) | 2010-05-20 |
US9818118B2 (en) | 2017-11-14 |
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