Methods, systems, programs, and media for exchanging personal data

Abstract

It is an object of the present invention to provide a computer-implemented method that includes: a) receiving (210) at a payment server (130) one or more purchase requests originating from a user device (110), each purchase request having an associated price; b) storing (220) at the payment server (130) user data associated with the purchase requests relating to the associated prices, payment account debt amounts, and payment accounts associated with the user device and / or the user of the user device; and c) determining (230) by the payment server (130) a user profile based on the user data, thereby reducing the need for manual entry of payment information. The objective is achieved by the steps of: d) selecting (240) one or more information consumer servers (140) using the user profile to at least partially settle the debt amount; e) receiving (250) one or more offers of settlement from the one or more information consumer servers; f) forwarding at least one of the offers of settlement to the user device; g) receiving (260) a request for settlement from the user device, the request indicating at least one of the offers; and h) deducting (270) a compensation amount from the payment account debt amount, associating the compensation amount with the indicated offer of at least one of the offers.

Description

Technical Field

[0001] The present invention relates to a method, system, program, and medium for exchanging personal data.

Background Art

[0002] International Publication No. 2011 / 029560A2 from the applicant describes a system for installment (post-payment) of online purchases. The system greatly facilitates online purchases. A user may purchase without entering any payment or contact details until a limit is reached or a certain time has passed. Then, the user is requested to settle the balance. The application describes a payment system and method for multiple payment processes. Further, the solution is described at https: / / www2.laterpay.net and is further referred to as LaterPay. The system and method are called for a purchaser system that makes a purchase at an online store for a specific purchase amount. The system · Stores the identification number of the purchaser system, · Stores the purchase amount related to the identification number, · Monitors the total purchase amount of the purchaser system, · Receives a request from the online store and records the purchase amount, · Sends a request for settlement of at least a part of the total purchase amount to the user of the purchaser system only when the total purchase amount exceeds a predetermined amount and / or after the expiration of a predetermined time interval.

[0003] In short, the patent application describes a system that allows a buyer to make online purchases using a buyer system for purchase amounts that the buyer does not need to settle upfront. The payment system accumulates the purchase amount from the buyer system and requires the buyer to settle the total amount or a portion of the total amount only if the total amount of maturity payments exceeds a predetermined amount. The buyer system can be a personal computer or a mobile phone, etc. Purchases and purchase amounts are stored by a payment system relating to buyer system identification that does not include buyer identification and does not require registration or any other user interaction. In the absence of user login or any other user identification, the system relies on reliable identification of the buyer system (e.g., mobile phone identification or number) in combination with, for example, a used browser model, number, or identification characteristics.

[0004] During online purchases, LaterPay may collect personal information and user activity for internal use. From the collected information, LaterPay may derive characteristics, interests, and needs related to the user. To date, the collected information has only been used for internal management purposes.

[0005] The system may collect information about the user's online activities and allow payment to be deferred until a later date. However, at some point, the user needs to enter personal and payment information in order to settle the debt. Therefore, there is a considerable amount of information that needs to be manually entered by the user in order to complete the payment. The purpose of this application is to make payments easier by reducing the need to manually enter information. This may be achieved by utilizing personal information collected during the user's use of online later payment (LaterPay). Furthermore, the application provides a system that allows users to exchange their personal data. [Overview of the Initiative] [Means for solving the problem]

[0006] The object of the present invention is achieved by the subject matter of claims 1, 10, 11, and 12. In particular, the object is, a) A step (210) in which a payment server (130) receives one or more purchase requests originating from a user device (110), wherein each purchase request has an associated price, b) Step (220) of storing in the payment server (130) the relevant price, the payment account debt amount, and user data relating to the purchase request relating to the user device and / or the payment account relating to the user of the user device, c) A step (230) in which the payment server (130) determines the user profile based on the user data, d) A step (240) of selecting one or more information consumer servers (140) that will settle the debt amount at least partially using user profiles, e) Step (250) receiving one or more settlement offers from one or more information consumer servers, f) A step of forwarding at least one of the settlement offers to the user device, g) Step (260) receiving a settlement request from a user device, wherein the request indicates at least one of the offers, h) A step (270) of deducting compensation from the amount of liability in the payment account, wherein the compensation is associated with at least one instruction offer among the offers. This is achieved by computer implementation methods including the following.

[0007] The advantages include less manual data entry for payments that needs to be completed, and a method that allows users to exchange personal data about their online purchasing activities with a third party in exchange for the third party paying for the same purchasing activity.

[0008] A purchase request may be, for example, a request to purchase a product, service, or online-accessible digital content (such as books, music, or videos, which may be available for download or streaming).

[0009] The profiling performed during the calculation of user profiles may be based on online user activity (e.g., user purchases) by the payment server. Furthermore, profiling may be supplemented by the user inputting additional information about the user (e.g., age, gender, specific socioeconomic factors (e.g., salary, debt, education, marital status, family, etc.), interests, and / or specific topics of interest). The calculation may include quantifying user profile characteristics based on the number of times a particular category of purchase has been made or the importance of the characteristics. Furthermore, the calculation may be performed based on other products, customers of purchases made by the user, who may be more interested in or have made purchases of those products. The calculation may include statistically achieving the likelihood of a user having specific interests or specific personality traits based, for example, the "Big Five" (5-factor model) or other personality measurements. Profiling may be supplemented by the user answering questions to achieve interests or personality traits. Further information can increase the value of personal data.

[0010] In one embodiment, the payment server is a LaterPay server, the payment account may have a negative balance, and after the negative balance of the payment account reaches a limit, or after a certain period of time, it sends a transfer of at least one of the offers in f).

[0011] In one embodiment, a payment account is associated with a user device. The method is, Unless user information is already available on the deferred payment server for the user device, a request for user information will be sent by the deferred payment server for the user device after the negative balance of the payment account reaches its limit, or after a certain period of time. It also includes.

[0012] In one embodiment, the payment account is a virtual wallet, and the user can send money to and from a conventional bank account, enabling purchases other than LaterPay purchases.

[0013] In one embodiment, in order to select which of the multiple information consumer servers to send a request to, step d) includes matching the user profile to profiles of interest to be retrieved from the multiple information consumer servers, and / or Step d) involves a bidding procedure among the multiple information consumer servers in order to select which of the multiple information consumer servers should receive the request.

[0014] The intermediation may be based on interest profiles advertised by each information consumer server. Profiles may be ranked within each information consumer server. The intermediation may include matching a user's primary characteristics (e.g., interests dominating their purchases) to the highest-ranked category of interest of each information consumer server. If no information consumer server has a primary characteristic as its highest-ranked category of interest, the user's primary characteristics are matched to the second highest-ranked category of interest of each information consumer server, and so on. If no information consumer server shows interest in the primary user characteristics, the user's secondary characteristics are matched to the highest-ranked category of interest, and so on. If there is no match, the user profile may be provided to information consumer servers with general interests. If there are two or more information consumer servers that match user profiles at the same level, a bidding process may be initiated, or the user profile may be provided to randomly selected information consumer servers or to each information consumer server.

[0015] Furthermore, bidding may be initiated by all information consumer servers that show any interest in any characteristic of the user profile, a limited number of information consumer servers, or all registered information consumer servers.

[0016] The calculation may include anonymizing the personal data of each user device. The anonymized personal data for each user device may be distributed to a plurality of information consumer servers, and each server may bid on the contact information of the user device.

[0017] In one embodiment, step d) includes cascading offers based at least on first and second user categories, the user categories being obtained from user data and / or user profiles.

[0018] In one embodiment, the user information includes contact data.

[0019] In one embodiment, step f) includes presenting to the user device an option to sell user data in exchange for a debit to a payment account, execute a task in exchange for a debit to a payment account, e.g., fill in a form, view an advertisement in exchange for settlement of a payment account including at least one of the above.

[0020] The information consumer server may access the user information only after it has (or has agreed to) debit the user's payment account. In one embodiment, after the information consumer server has (or has agreed to) debit the user's payment account, the information consumer server may directly access a portion of the user data and other highly sensitive information (e.g., contact information).

[0021] On the one hand, the user's payment account may not be debited until the user performs the required task (e.g., fills in a form or views an advertisement). Further, the user's payment account may be debited with an execution fee (e.g., a specific small amount for each view of an advertisement or each filling in of a form). There may be a program executed on the user device to ensure that the consent advertisement is executed in accordance with the consent and is shown on the user device display.

[0022] In one embodiment, the selection right includes a selection between multiple information consumer servers to select which multiple information consumer servers to send requests (and personal data) to.

[0023] In one embodiment, the method includes further the step of sending user data determined based on the user profile to one or more information consumer servers related to at least one of the offers received in step g).

[0024] The object of the present invention is further achieved by a data processing system including a user device, a payment server, at least one content provider server, at least one information consumer server and configured to execute a method as described herein.

[0025] The object of the present invention is further achieved by a computer program including instructions for causing a computer to execute the method of the present invention when the computer program is executed by one or more computers.

[0026] The object of the present invention is further achieved by a computer-readable medium including instructions for causing one or more computers to execute a method as described herein when executed by one or more computers. ​​

[0027] The advantages of the systems, programs, and media described herein are equivalent to or similar to the advantages of the methods described herein.

[0028] Embodiments of the present invention will be described below with reference to the drawings. [Brief explanation of the drawing]

[0029] [Figure 1] The system of this application is shown. [Figure 2] The method of this application is shown. [Figure 3A] An example of the database structure of this application is shown. [Figure 3B] An example of the database structure of this application is shown. [Modes for carrying out the invention]

[0030] Figure 1 shows a system including a user device 110, a payment server 130, at least one content provider server 120, and an information consumer server 140. The payment server may include a database 135. The user may access the content provider server 120 via the user device 110 (communication A in Figure 1). While purchasing content at the content provider server 120, the user may have the option to pay in installments (e.g., LaterPay). This is available without the user having to enter any user or payment information (e.g., credit card data). The purchase may be completed at the payment server 130 using a payment account associated with the digital identification of the user device, where the purchase price of the purchase is entered. This purchase may be performed by the content provider server 120 communicating with the payment server, transmitting the user device's identification information, and making the payment (communication D), without using direct communication between the user device 110 and the payment server 130 (i.e., without using communication B in Figure 1). Furthermore, this purchase may be performed by the user device 110 communicating directly with the payment server 130. This prevents the content provider server from mistakenly charging for content that has not been purchased. To complete the purchase, the user device 110 may be redirected to the payment server 130, or the functionality of the payment server 130 may be provided as a plugin embedded in the content provider 120's web page, enabling direct communication between the user device and the payment server (communication B).

[0031] To settle the debt, the payment server 130 may generate a user profile as described herein and initiate a mechanism to select an information consumer server 140 to settle the debt. This may be performed by the payment server 130 communicating with the user device 110 so that the user device 110 can select a payment option (communication B). Furthermore, this may be performed via the content provider 120 of the last purchase (communications D and A), or by specific payment options transmitted from the content provider 120 and other payment options from the payment server 130 (communications A and B).

[0032] An internal intermediary algorithm may be initiated at the payment server 130 to construct an information consumer server 140 that settles debts. The construction of the information consumer server 140 may be carried out via communication (communication E) between the payment server 130 and one or more information consumer servers, including bidding as described herein.

[0033] The information consumer server 140 may communicate with the payment server 130 in advance to notify the payment server 130 of the user profiles of interest to each information consumer server 140 (communication E).

[0034] User device 110 may communicate with information consumer server 140 (or a server indicated by information consumer server 140) to perform a specific task in exchange for having a user payment account with a debit entry (communication C).

[0035] Once the payment account is debited by the information consumer server 140, the payment server 130 may notify the user device accordingly (communication B). Furthermore, the user device may be notified via the information consumer server 140 or the content provider server 120.

[0036] Figure 2 shows, a) A step (210) in which a payment server (130) receives one or more purchase requests originating from a user device (110), wherein each purchase request has an associated price, b) Step (220) of storing in the payment server (130) the relevant price, the payment account debt amount, and user data relating to the purchase request relating to the user device and / or the payment account relating to the user of the user device, c) A step (230) in which the payment server (130) determines the user profile based on the user data, d) A step (240) of selecting one or more information consumer servers (140) that will settle the debt amount at least partially using user profiles, e) Step (250) receiving one or more settlement offers from one or more information consumer servers, f) A step of forwarding at least one of the settlement offers to the user device, g) Step (260) receiving a settlement request from a user device, wherein the request indicates at least one of the offers, h) A step (270) of deducting compensation from the amount of liability in the payment account, wherein the compensation is associated with at least one instruction offer among the offers. The steps of the method according to the present invention are shown, including the following.

[0037] The received and transmitted information may be carried out via electronic means of communication that include means of transmitting symbols, signals, writings, images, sounds, data, or intelligence of any nature, in whole or in part, by wired, wireless, electromagnetic, optoelectronic, or optical means.

[0038] Figure 3A shows an example of a user information data structure according to the present invention. The user information data structure may be implemented as a table in the database 135 of the payment server 130. User data from user online activities related to functions provided by the payment server 130 or other online servers may be populated into the structure. The data is organized according to the structure and may include a field 310 for a user device ID, in which a value corresponding to the hardware identification number of the user device (e.g., MAC address and / or processor identification number and / or controller identification number and / or IP address) may be populated. In particular, the field may be populated without the user of the user device having to manually enter any data. The ID allows the user of the user device to make online purchases on installment without having to enter any personal information, especially payment information.

[0039] Furthermore, the user information data structure may include a field, User Account Net Amount 320, which stores the account balance. The account amount may indicate that the user is in debt (for example, by indicating a negative amount). In particular, in the case of installment payments (for example, a user using a LaterPay service), the amount may indicate debt. The amount may be increased, i.e., debited, by a third party who agrees to settle the debt in exchange for a third party authorized to use user data owned by the user to contact the user for a relevant commercial purpose or by other means. Furthermore, the user may agree to perform an action (for example, watching an advertisement or filling out a form) in exchange for a third party who debits the account.

[0040] Furthermore, the user information data structure may include fields (330, 340) for user information (e.g., username and contact information). The user information fields do not need to be populated until payment for outstanding purchases needs to be settled, and do not need to be populated thereafter. The user information data structure is not limited to these examples and may include further personal information such as gender, age, religion, and socioeconomic data, as described herein.

[0041] Figure 3B shows an example of a user activity data structure according to the present invention. The user activity data structure may include information about activities performed on a user device with respect to a payment server or other online server (e.g., online purchases). User activity may include a field 350 that associates user activity data with user information (a specific user device or user device ID). Furthermore, the structure may include a timestamp field 360 that stores the date and time of the activity. Furthermore, the structure may include a field 370 that includes a link to a sale, i.e., purchased goods, services, or online content, and a field 380 that stores a category identified for the purchase. The activity data is used for user profiling. [Explanation of symbols]

[0042] List of references 110 User Devices 130 Payment Server 120 Content Provider Servers 140 Information Consumer Server 135 Payment Server Database 210 Send the request to the content provider server. 220. Credit the relevant price from the payment account on the payment server. 230 Store payment account and user data related to the request. 240 Send a request to clear the payment account for the user device. Calculate 250 user profiles 260 Send a request to debit the payment account based on the user profile. 301 Personal Information 302 User data related to purchase requests 310 User Device ID 320 Net Account Amount 330 Username field 340 Contact Information Field 350 User ID field 360 Timestamp 370 Purchased items 380 categories

Claims

1. a) A step (210) in which a payment server (130) receives one or more purchase requests originating from a user device (110), wherein each of the purchase requests has an associated price, b) Step (220) of storing the relevant price, payment account debt amount, and user data relating to the purchase request relating to the user device and / or payment account relating to the user of the user device in the payment server (130), c) A step (230) in which the payment server (130) determines the user profile based on the user data, d) A step (240) of selecting one or more information consumer servers (140) that will at least partially settle the debt amount by matching the user profile with profiles of interest retrieved from one or more information consumer servers (140) using the user profile, e) The step (250) of receiving one or more settlement offers from the one or more information consumer servers, f) A step of transferring at least one of the settlement offers to the user device, g) A step (260) of receiving a settlement request from the user device, wherein the request indicates at least one of the offers, h) step (270) subtracting compensation from the amount of liability in the payment account, wherein the compensation is associated with at least one instruction offer among the offers; A computer implementation method including

2. The computer implementation method according to claim 1, wherein the payment server is a deferred payment server, the payment account may have a negative balance, and after the negative balance of the payment account reaches a limit or after a certain period of time, transmits at least one of the offers in step f).

3. Associate the payment account with the user device, Unless user information is already available on the deferred payment server for the user device, a request for user information will be sent by the deferred payment server for the user device after the negative balance of the payment account reaches the limit, or after a certain period of time. The computer implementation method according to claim 2, further comprising:

4. The computer implementation method according to claim 3, wherein the user information includes contact data.

5. The computer implementation method according to any one of claims 1 to 4, wherein the payment account is a virtual wallet.

6. Step f) is Selling user data in exchange for debit entries in the payment account, Performing the task in exchange for a debit entry in the payment account, Viewing ads in exchange for clearing your payment account A computer implementation method according to any one of claims 1 to 5, comprising displaying a choice of at least one of the above on the user device.

7. The computer implementation method according to claim 6, wherein the selection right may include a selection among the information consumer servers to choose which of the plurality of information consumer servers to which the request should be sent.

8. The computer implementation method according to any one of claims 1 to 7, further comprising the step of transmitting user data determined based on the user profile to one or more information consumer servers associated with at least one of the offers received in step g).

9. User device (110) and Payment server (130), At least one content provider server (120), At least one information consumer server (140) and Includes, A data processing system configured to perform the computer implementation method described in any one of claims 1 to 8.

10. A computer program that includes instructions to cause one or more computers to execute the computer implementation method described in any one of claims 1 to 8, when the computer program is executed by one or more computers.

11. A computer-readable medium that, when executed by one or more computers, includes instructions causing one or more computers to execute the computer implementation method described in any one of claims 1 to 8.

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