Personal Information Aggregator for Privacy-Controlled Data Integration
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Solution Overview
Problem
Current systems lack an efficient and user-centric method for aggregating and managing personal information across various sources, leading to fragmented data access and control, which hinders personalized recommendations and targeted advertising.
Innovation Solution
A Personal Information Aggregator (PIA) system that collects, organizes, and controls personal information from diverse sources, allowing users to authorize access and configure data feeds, enabling comprehensive data aggregation and targeted applications such as personalized recommendations and advertising.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Quantity of substance
If personal information is aggregated from multiple sources, then the comprehensiveness of data is improved, but the complexity of data management increases
Solution Approach 1:
The patent introduces a Personal Information Aggregator (PIA) as an intermediary system that automatically collects, consolidates, and manages personal information from multiple sources (banks, employers, insurance companies, etc.). The PIA serves as a mediator between users and diverse data sources, handling the complexity of data aggregation, standardization, and management while providing users with a simplified interface to access their comprehensive personal information profile.
2Reliability
If users have centralized control over personal information, then privacy protection is improved, but the ease of access to data decreases
Solution Approach 1:
The patent implements a self-service mechanism where users directly control access to their personal information through the PIA. Users can selectively authorize which entities (employers, insurers, lenders) may access specific portions of their information profile. The system automatically manages consent, tracking, and revocation of access permissions, enabling users to maintain centralized privacy control without manual intervention for each data access request.
3Measurement precision
If data is collected from diverse sources, then the accuracy of personalized recommendations is improved, but the difficulty of data integration increases
Solution Approach 1:
The patent transforms heterogeneous data from diverse sources into a standardized information profile by changing the parameters and format of collected data. The PIA normalizes different data structures, schemas, and formats from various sources (banks, employers, insurers) into a unified personal information profile with consistent parameters. This parameter standardization enables accurate personalized recommendations while automating the complex data integration process.
Data Source
AI summary
A computer-implemented method for generating an assessment of insurance needs for an individual includes receiving one or more data feeds comprising personal information corresponding to the individual. The received data feeds are associated with an authorization condition requiring deletion of the received data feeds by the computer after a single use. A personal identifier associated with the individual is determined based on the received data feeds and search of a public computer network is requested for data items having an indicia of the personal identifier. In response to the search of the public computer network, an indication of a first data item is received. The first data item is automatically retrieved from a remote location in response to receiving the indication and an assessment of insurance needs for the individual is generated based at least on a portion of the received data feeds and the first data item.