EP0917119A2
Expired / Lapsed
EP
⏱️ 0.0 years remaining
Distributed network based electronic wallet
Assignee: Citicorp Development Center Inc
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Filing: 1998-11-09
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Granted: —
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Expires: 2018-11-09
Abstract
Abstract A system, in which information is the primary asset and in which investments may be made in information, includes multiple data stores for storing different types of a user's information. The safe, secure and properly authorized transfer of information while preserving individual privacy is provided. The system also provides for secure backup and storage, as well as for ubiquitous and nomadic access to information while maintaining the privacy of such information. A first data store includes static identification data about a user. A second data store includes moderately dynamic personal data about the user. A third data store includes dynamic demographic information data about the user. An electronic wallet can be used with the system to download selected portions of the data for use by the user. A method of use of the data includes using the data for billing out forms, providing services to the user and allowing merchants to selectively target users for sales while maintaining user anonymity.
Inventors
- 👤 Cris T. Paltenghe
- 👤 Melvin Michio Takata
- 👤 Alnoor Bahdur Mamdani
- 👤 Gregory Lee Huddleston
Bibliographic Details
Application Number
—
Jurisdiction
EP
Data Source
google_patents
Last Synchronized
2026-10-25 08:46
CPC Classifications
G; G06; G06F; G06F21/00; G06F21/60; G06F21/62; G06F21/6209; G06F21/6218; G06F21/6245; G06F21/6263; G06F21/64; G06Q; G06Q20/00; G06Q20/04; G06Q20/06; G06Q20/065; G06Q20/0655; G06Q20/0658; G06Q20/08; G06Q20/10; G06Q20/105; G06Q20/30; G06Q20/34; G06Q20/351; G06Q20/357; G06Q20/3574; G06Q20/36; G06Q20/363; G06Q20/38; G06Q20/383; G06Q20/40; G06Q20/401; G06Q20/4014; G06Q30/00; G06Q30/02; G06Q30/0207; G06Q30/0226; G06Q30/0241; G06Q30/06; G06Q30/0601; G07; G07F; G07F7/00; G07F7/08; G07F7/0866; G07F7/12; G07F7/122
Claims Analysis
Total Claims: 21
Claim 1
Independent Claim
98 words
A system for selective organization, access to and use of personal data,
comprising: a server, having data storage means for storing personal data in three separate
and distinct data stores; a first data store stored on said data storage means comprising static
identification data which is personal to a user having access means for connecting to
the server accessing and using; a second data store stored on said data storage means company moderately
dynamic personal data about the user; and a third data store stored on said data storage means comprising dynamic
demographic information data about the user.
Claim 2
Dependent Claim
24 words
A system according to claim 1 further comprising access means for
connecting to said server to access said first, second and third data stores.
Claim 3
Dependent Claim
21 words
A system according to claim 2 wherein said access means comprises a
computer terminal connectable to said server via a network.
Claim 4
Dependent Claim
37 words
A system according to claim 2 wherein said access means comprises an
electronic wallet having said first data store duplicatively stored therein, portions of
said second data store and portions of said third data store stored therein.
Claim 5
Dependent Claim
28 words
A system according to claim 1 further comprising authorizing means
for allowing selected users access to and use of dynamic personal information data in
said third data store.
Claim 6
Dependent Claim
36 words
A system according to claim 5 further comprising matching means for
matching selective dynamic personal information data in said third data store which is
specific to a consumer with selected information provided by said selected users.
Claim 7
Dependent Claim
30 words
A system according to claim 1 further comprising means for
authenticating and signing documents for a user from data obtained from said second
data store in communication with a user.
Claim 8
Dependent Claim
37 words
A system according to claim 1 further comprising means for matching
a user profile obtained from said third data store, with a merchant profile, upon user
request, for transmitting information about the merchant's products to the user.
Claim 9
Dependent Claim
22 words
A system according to claim 1 wherein said data in said third data store
is stored in a configuration ensuring user anonymity.
Claim 10
Dependent Claim
23 words
A system according to claim 1 wherein said second data store includes
credited value data for use by a user in commercial transaction.
Claim 11
Independent Claim
86 words
A method of selectively organizing, accessing and using personal data
comprising: storing a first data store made up of data comprising static identification data
which is personal to a user having access to the first data store; storing a second data store made up of data comprising moderately dynamic
personal data about the user having access to the second data store; and storing a second data store made up of data comprising dynamic demographic
information data about the user having access to the third data store.
Claim 12
Dependent Claim
27 words
A method as in claim 1 further comprising providing access by a user
to said first data store for using the data therein for filling out forms.
Claim 13
Dependent Claim
32 words
A method as in claim 1 further comprising duplicating the data in the
first data store, and portions of the data in the second and third data stores, on an
electronic wallet.
Claim 14
Dependent Claim
44 words
A method as in claim 1 further comprising making data about selected
users in the third data store available on an anonymous basis to merchants to allow
merchants to provide information to the users about merchant products or services that
match the data provided.
Claim 15
Dependent Claim
32 words
A method as in claim 1 further comprising downloading purchasing
credits from said second data store into an electronic wallet to allow a user to engage
in commercial transactions with such credits.
Claim 16
Dependent Claim
35 words
A method as in claim 1 further comprising monitoring certain groups
of data in said second data store for the occurrence of certain events, and notifying a
user corresponding to said data of the event.
Claim 17
Dependent Claim
26 words
A method as in claim 16 further comprising accessing outside data
sources to update data in said second and third data stores on a periodic basis.
Claim 18
Dependent Claim
25 words
A method as in claim 1 further comprising authorization by a user to
allow selected third parties to access data in said second data store.
Claim 19
Dependent Claim
12 words
A method as in claim 18 wherein said third parties are doctors.
Claim 20
Dependent Claim
14 words
A method as in claim 18 wherein said third parties are financial service
providers.
Claim 21
Dependent Claim
33 words
A method as in claim 18 wherein said third parties are one of the group
consisting of telephone service vendors, power service vendors, and cable television
vendors, insurance vendors, and credit card providers.
References Cited (Backward Citations)
No citation records indexed.
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