Method and System Providing Advice and Services to Consumers

Abstract

The present invention provides a method and system for providing advice and/or services to a consumer including the secure electronic storage of rich private personal data preferably held in trust for and on behalf of a natural person or nominated business or corporate entities. The system provides the applications, processes, controls and data management services to collect from various sources, transfer, store and selectively retrieve data necessary to perform a range of specified planning and decision support activities or events, for which specific applications have been integrated with the secure data store for these purposes. The invention provides for the data owner and authorised persons such as advice and service providers to gain authenticated access to accessible data to undertake permitted tasks. These tasks may include receiving data or record views, or undertaking planning or decision support strategies, or such other tasks as are prescribed. In an embodiment, the system limits access to applications to approved authorised persons and requires specific permissions from the owner in order to manage data privacy standards. The system allows the owner to provide and revoke access permissions to applications and tracks and records all access events.

Description

TECHNICAL FIELD[0001]This invention relates generally to a method and system for providing advice and / or services to consumers and includes the storage and sharing of personal data of a user in a computer system such that the personal data is secure and not easily accessible to others with whom the personal data is not intended to be shared. The invention is suited to various applications where consumers, or trusted entities acting on behalf of consumers, permit efficient access to personal data by others who legitimately require that information or with whom the consumer wishes to share that personal data. In particular, the invention relates to a system and method for consumers to effectively share personal data and in doing so obtain advice based upon the personal data that has been made available to advisers.BACKGROUND ART[0002]Databases for the storage of information have been known for some time. However, databases are not well known for the storage and efficient dissemination...

AI Technical Summary

Benefits of technology

[0061]The system of present invention provides the consumer with a secure electronic storage system for their personal private data. In preferred embodiments of the invention, each of the consumer can access their personal data at any time by use of a network browser or personal portal connected to the system of the present invention. Preferably, the system applications present the data in a manageable form to facilitate easy retrieval and re-ordering of personal data in order to perform specific tasks such as planning and decision making in relation to key life events.

[0062]The system of the present invention further enables each of the consumers to securely link personal information with key advice or service providers. That is, the present invention enables the advisers or service providers of the consumer to securely access the personal data of the consumer as prescribed by the consumer, via a data communication network such as the Internet. The system of the present invention provides a consumer and the consumer's service providers with applications to facilitate convenient access of the personal data of the consumer, thereby improving the efficiency of the data collection processes of advic

Problems solved by technology

However, databases are not well known for the storage and efficient dissemination of personal information to third parties who are provided permission to access that personal information.

In particular, breaches of privacy with respect to personal information stored in databases operated and maintained by government agencies and others act to undermine the trust of members of the community.

However, these developments have generally only been implemented with respect to entire documents or to provide access to entire databases.

Whilst the best possible advice is desired from a trusted individual and accurate personal data is divulged for this reason, people are generally not inclined to provide unfettered access to an adviser with respect to all their personal data.

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