# US 7,610,261 B2 · System and method for acquisition, assimilation and storage of information

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 7,610,261 B2
- Document ID: US7610261B2
- Status: Granted
- Kind: B2
- Application number: 11/932,348
- Filed: 2007-10-31
- Published: 2008-03-13
- Granted: 2009-10-27
- Earliest claimed: 2002-05-31
- Assignees: American Express Travel Related Services Company, Inc.
- Inventors: Donald M Maloche; Rao S Manepalli; Randy Mills; Ana Muniz; Mark Rutter
- Web page: https://patentgrep.com/patent/US7610261B2

## CPC

- G06Q 40/08: Insurance
- G06F 16/9535: Search customisation based on user profiles and personalisation
- G06F 16/958: Organisation or management of web site content, e.g. publishing, maintaining pages or automatic linking
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/40: 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
- Y10S 707/99931: Database or file accessing
- Y10S 707/99943: Generating database or data structure, e.g. via user interface
- 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
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- Y10S: TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS

## Abstract

In accordance with the present invention, an improved data handling system facilitates the collection, storage and distribution of information for use by one or more recipient performing a process such as assessing the risk associated with a transaction. A system for handling information includes an administrator for facilitating communication with a subscriber and an information acquisition engine that is for facilitating communication with one or more provider of information and an information assimilator that is for facilitating communication with a database. The system is configured to facilitate receiving a request from the subscriber defining one or more set of information and one or more provider of information to be received by the information acquisition engine and combined by the information assimilator into an information suite to be stored in a database.

## Claims

### Claim 1

An improved system for facilitating collection, storage and distribution of information comprising:
a payment processor administrator configured to facilitate receiving from a subscriber an information acquisition request defining a selection parameter and a provider definition encoded within said information acquisition request, said payment processor administrator further configured to retrieve at least one of said selection parameter and said provider definition from payment processor parameter information, when said at least one of said selection parameter and said provider definition is not included in said information acquisition request , wherein said payment processor parameter information is derived from a payment processor;
a payment processor information assimilator configured to facilitate receiving information from an information acquisition engine, wherein said information acquisition engine retrieves said information from an information provider and, wherein said information is compared to corresponding payment processor internal information to verify the accuracy of said information if said corresponding payment processor internal information exists;
said information assimilator configured to combine said information into an information suite, wherein said information suite is configured to facilitate processing by a recipient to determine a risk associated with a transaction,
wherein said subscriber is configured to initiate a mitigation action responsive to said risk.

### Claim 2 (depends on 1)

The system of claim 1, wherein said information provider is an external provider.

### Claim 3 (depends on 1)

The system of claim 1, wherein said information provider is an internal provider.

### Claim 4 (depends on 1)

The system of claim 1, wherein said payment processor administrator is configured to facilitate informing said subscriber about said collection of said information.

### Claim 5 (depends on 1)

The system of claim 1, wherein said payment processor administrator is configured to facilitate instructing said subscriber regarding access to said information.

### Claim 6 (depends on 1)

The system of claim 1, wherein said payment processor information assimilator is configured to facilitate transmitting said information suite to a designated information recipient.

### Claim 7 (depends on 6)

The system of claim 6, wherein said payment processor administrator is configured to request said payment processor information assimilator to transmit said information suite to said designated information recipient.

### Claim 8

An improved method for facilitating an assessment of risk associated with a transaction comprising:
receiving, at an information processing machine, an information acquisition request from a subscriber defining a selection parameter and an information provider definition encoded within said information acquisition request, wherein said information provider is at Least one of an internal information provider and an external information provider, wherein said information processing machine comprises a processor, a memory, and data store;
retrieving, using said information processing machine, at least one of said selection parameter and said information provider definition from payment processor internal parameter information, when said at least one of said selection parameter and said information provider definition is not included in said information acquisition request, wherein said payment processor internal parameter information is derived from a payment processor;
retrieving information, using said information processing machine, from said information provider based on said information acquisition request;
comparing, using said information processing machine, said information to corresponding internal information to verify the accuracy of said information if said corresponding internal information exists;
integrating said information, using said information processing machine, to form an information suite;
assessing, using said information processing machine, risk associated with said transaction using said information suite, and
initiating, by said subscriber, a mitigation action responsive to said risk.

### Claim 9 (depends on 8)

The method of claim 8, further comprising communicating, using said information processing machine, said risk associated with said transaction to said subscriber.

### Claim 10

A tangible computer readable medium having stored thereon, computer executable instructions that, if executed by a computing device, cause said computing device to perform a method for facilitating an assessment of risk associated with a transaction comprising:
receiving, at an information processing machine, an information acquisition request from a subscriber defining a selection parameter and an information provider definition encoded within said information acquisition request, wherein said information provider is at least one of an internal information provider and an external information provider, wherein said information processing machine comprises a processor, a memory, and data store;
retrieving, using said information processing machine, at least one of said selection parameter and said information provider definition from payment processor internal parameter information, when said at least one of said selection parameter and said information provider definition is not included in said information acquisition request, wherein said payment processor internal parameter information is derived from a payment processor;
retrieving information, using said information processing machine, from said information provider based on said information acquisition request;
comparing, using said information processing machine, said information to corresponding internal information to verify the accuracy of said information if said corresponding internal information exists;
integrating said information, using said information processing machine, to form an information suite;
assessing, using said information processing machine, risk associated with said transaction using said information suite, and
initiating, by said subscriber, a mitigation action responsive to said risk.

### Claim 11 (depends on 10)

The tangible computer readable medium of claim 10, wherein said information provider is an external provider.

### Claim 12 (depends on 10)

The tangible computer readable medium of claim 10, wherein said information provider is an internal provider.

### Claim 13 (depends on 10)

The tangible computer readable medium of claim 10, wherein said payment processor administrator is configured to facilitate informing said subscriber about said collection of said information.

### Claim 14 (depends on 10)

The tangible computer readable medium of claim 10, wherein said payment processor administrator is configured to facilitate instructing said subscriber regarding access to said information.

### Claim 15 (depends on 10)

The tangible computer readable medium of claim 10, wherein said payment processor information assimilator is configured to facilitate transmitting said information suite to a designated information recipient.

### Claim 16 (depends on 10)

The tangible computer readable medium of claim 10, wherein said payment processor administrator is configured to request said payment processor information assimilator to transmit said information suite to said designated information recipient.