U.S. patent application number 13/918858 was filed with the patent office on 2013-10-24 for system and method for authorization and disclosure for background information searches.
The applicant listed for this patent is Christopher Cirak, Michael B. Levine. Invention is credited to Christopher Cirak, Michael B. Levine.
Application Number | 20130282607 13/918858 |
Document ID | / |
Family ID | 42310153 |
Filed Date | 2013-10-24 |
United States Patent
Application |
20130282607 |
Kind Code |
A1 |
Levine; Michael B. ; et
al. |
October 24, 2013 |
System and Method for Authorization and Disclosure for Background
Information Searches
Abstract
A system and automated method for verification of employment
history regarding a job applicant, the method including receiving
information identifying an applicant, receiving employment history
information for the job applicant, receiving information
identifying an identified verification contact for verification of
the employment history information, automatically providing the
identified verification contact with a question pertaining to
employment history information, receiving an answer from the
identified verification contact, storing the answer.
Inventors: |
Levine; Michael B.; (Los
Angeles, CA) ; Cirak; Christopher; (Venice,
CA) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
Levine; Michael B.
Cirak; Christopher |
Los Angeles
Venice |
CA
CA |
US
US |
|
|
Family ID: |
42310153 |
Appl. No.: |
13/918858 |
Filed: |
June 14, 2013 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
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12639965 |
Dec 16, 2009 |
8489518 |
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13918858 |
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61138120 |
Dec 16, 2008 |
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61170514 |
Apr 17, 2009 |
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Current U.S.
Class: |
705/321 ;
705/325 |
Current CPC
Class: |
G06Q 50/265 20130101;
G06Q 30/018 20130101; G06Q 20/12 20130101; G06Q 10/1053
20130101 |
Class at
Publication: |
705/321 ;
705/325 |
International
Class: |
G06Q 50/26 20120101
G06Q050/26 |
Claims
1-51. (canceled)
52. An automated method for verification of employment history
regarding a job applicant, the method comprising: receiving a
verification initiation request from an account holder; receiving
information identifying the job applicant; receiving employment
history information for the job applicant, the employment history
information comprising at least one employment detail; receiving
information identifying an identified verification contact for
verification of the employment history information; automatically
providing the identified verification contact with at least one
question pertaining to the at least one employment detail of the
employment history information; receiving at least one answer
verifying the at least one employment detail of the employment
history information from the identified verification contact
corresponding to the at least one question; and generating and
storing in a database a verification report corresponding to a
result of verifying the employment history information, the
verification report comprising a verified set of data corresponding
to the at least one employment detail of the employment history
information, wherein the verification report is available in the
database for subsequent employment applications, and wherein access
to the verification report is controlled according to access
information received from the account holder.
53. The method of claim 52, wherein the received employment history
information is provided by the job applicant.
54. The method of claim 52, wherein the received employment history
information is provided by an applicant tracking system.
55. The method of claim 52, wherein the information identifying the
identified verification contact is provided by the job
applicant.
56. The method of claim 52, wherein the information identifying the
identified verification contact is provided by an automated
verification contact lookup.
57. The method of claim 52, wherein the received information
identifies a plurality of contacts for verification of the
employment history information.
58. An automated method for verification of background information,
the method comprising: receiving information identifying a first
individual; receiving background information for the first
individual; receiving information identifying an identified
verification contact for verification of the background
information; automatically providing the identified verification
contact with at least one question pertaining to the background
information; receiving an answer from the identified verification
contact corresponding to the at least one question; verifying the
background information with the answer; and generating and storing
in a database a verification report corresponding to a result of
verifying the background information, wherein the verification
report is available in the database for sharing, wherein sharing of
the verification report is controlled according to access
information received from the first individual, wherein a
verification request to initiate the verification of the background
information of the first individual is received from the first
individual, wherein a report request to receive the verification
report corresponding to the first individual after the verification
corresponding to the first individual has been generated and stored
in the database is received from a requestor different from the
first individual, and wherein the verification report corresponding
to the first individual is shared with the requestor if the access
information permits access to the requestor.
59. The method of claim 58, wherein the received background
information contains information about the first individual's
educational history.
60. The method of claim 58, wherein the received background
information contains information about the first individual's
personal references.
61. The method of claim 58, wherein the received background
information is provided by the first individual.
62. The method of claim 58, wherein the received background
information is provided by an applicant tracking system.
63. The method of claim 58, wherein the received background
information is provided by a commercial background check.
64. The method of claim 58, wherein the information identifying the
identified verification contact is provided by the first
individual.
65. The method of claim 58, wherein the information identifying the
identified verification contact is provided by an automated
verification contact lookup.
66. The method of claim 58, wherein the at least one question
pertaining to the background information is provided to the
identified verification contact by email, and wherein the answer
from the identified verification contact is received by email.
67. The method of claim 58, wherein the question pertaining to the
background information is provided to the identified verification
contact on a website, and wherein the answer from the identified
verification contact is received by entry through the website.
68. The method of claim 58, wherein the received information
identifies a plurality of identified verification contacts for
verification of the background information.
69. The method of claim 58, wherein the first individual is one of
a plurality of verified individuals, wherein the verification
report corresponding to the first individual is one of a plurality
of verification reports corresponding to the verified individuals
stored in the database, wherein each of the verification reports
comprises a plurality of verified data points, and wherein the
method further comprises: receiving a query from a second
individual, searching the verification reports for data points
corresponding to the query, generating a list of the verified
individuals whose verification reports comprise the data points
corresponding to the query, and providing the second individual
with the list.
70. The method of claim 58, wherein the first individual is a
prospective employee, an online dating member, a prospective
student, a prospective tenant, or a business owner, and wherein the
requestor is an employer, another online dating member, a school, a
landlord, or a potential customer.
71. An automated method for research or sharing of individual
personal information, the method comprising: providing a first
computer interface for use by a first individual to receive
verified personal information pertaining to a second individual
over a network after the second individual grants the first
individual access to the verified personal information; providing a
second computer interface for use by the second individual to
provide unverified personal information over the network and to
provide access information to control access to the verified
personal information; and providing a third computer interface for
use by a personal information search provider to provide the
verified personal information pertaining to the second individual
over the network corresponding to results from a personal
information search, wherein the verified personal information
comprises a set of verified data.
72. The method of claim 71, wherein the first individual is an
employer, a school, an online dating member, a landlord, or a
potential customer, and the second individual is a prospective
employee, a prospective student, another online dating member, a
prospective tenant, a business, or a merchant.
73. The method of claim 71, wherein at least one of the first
computer interface, the second computer interface, or the third
computer interface is a web based computer interface.
74. The method of claim 71, wherein the network is a public
network.
75. The method of claim 71, wherein the verified personal
information is at least one of identification information,
employment history, a credit report, a driving record, an address
history, a criminal background check, civil records, bankruptcy
records, professional license information, or regulatory sanction
information.
76. The method of claim 71, wherein the second computer interface
for use by the second individual provides controls to selectively
limit access to the second individual's verified personal
information by others.
77. The method of claim 71, wherein the second computer interface
for use by the second individual implements a process of
authorizing background research by the personal information search
provider.
78. The method of claim 71, wherein the third computer interface
for use by the personal information search provider displays orders
for verified information pertaining to the second individual.
79. The method of claim 71, wherein types of verified personal
information comprise identification information, employment
history, a credit report, a driving record, an address history, a
criminal back ground check, civil records, bankruptcy records,
professional license information, or regulatory sanction
information, wherein the personal information search provider is a
commercial search provider that provides a search report
corresponding to at least one of the types of verified personal
information, wherein the method further comprises: receiving a
request for at least one search report corresponding to at least
one of the types of verified personal information, the request
being received from the first individual or the second individual,
providing the request to the commercial search provider, receiving
the search report corresponding to the request, and storing the
search report as at least a part of the verified personal
information pertaining to the second individual.
80. The method of claim 79, wherein the verified personal
information comprises a plurality of search reports each comprising
different types of verified personal information, and wherein the
method further comprises, receiving access information from the
second individual to selectively control access to the different
types of verified personal information by the first individual.
81. The method of claim 71, the method further comprising:
receiving information identifying an identified verification
contact for providing at least a portion of the verified personal
information pertaining to the second individual from the second
computer interface over the network; providing a fourth computer
interface for use by an information verification contact over the
network to: automatically provide the identified verification
contact with at least one question pertaining to the unverified
personal information of the second individual, and provide an
answer from the identified verification contact corresponding to
the at least one question; and generating at least a portion of the
verified personal information pertaining to the second individual
by comparing the unverified personal information to the answer.
82. An automated system for researching or sharing personal
information reports comprising: a network interface; a member
database for storing member information accessed through the
network interface by members or a data provider; a background
search request database for storing orders for personal information
reports accessed through the network interface by the data
provider; an auxiliary information database for storing system
management information accessed through the network interface by
the members or the data provider; and a server coupled to the
member database, background search request database, and auxiliary
information database through the network interface, wherein the
server is configured to: provide a first computer interface for use
by a first member of the members to: submit a request to a second
member of the members for access to a personal information report
of the personal information reports pertaining to the second
member; and receive the personal information report pertaining to
the second member after the second member grants the first member
access to the personal information report pertaining to the second
member; provide a second computer interface for use by the second
member to: provide unverified personal information over the
network; and control access to the personal information report
pertaining to the second member; and provide a third computer
interface for use by the data provider to provide the personal
information report pertaining to the second member over the
network, wherein the member information comprises the personal
information reports, wherein the orders for the personal
information reports comprise requests to provide verified personal
information pertaining to the second member, wherein at least one
of the members can request the orders for the personal information
reports, and wherein the personal information reports provided by
the data provider correspond to results of background searches.
83. The automated system of claim 82, wherein the member database
is configured to be searched by the members.
84. The automated system of claim 82, wherein the server is
configured to further provide a fourth computer interface for use
by a third member that is different from the first member and the
second member to receive the personal information report pertaining
to the second member, and wherein the third member did not request
an order for the personal information report pertaining to the
second member.
85. The automated system of claim 82, wherein the server is further
configured to: receive information identifying an identified
verification contact for providing at least a portion of the
personal information report pertaining to the second member from
the second computer interface over the network; provide a fourth
computer interface for use by an information verification contact
over the network to: automatically provide the identified
verification contact with at least one question pertaining to the
unverified personal information of the second member, and provide
an answer from the identified verification contact corresponding to
the at least one question; and generate at least a portion of the
personal information report pertaining to the second member by
comparing the unverified personal information to the answer.
86. A server for an automated personal information research or
sharing system, the server comprising: a processor; and memory
operably coupled to the processor for storing program instructions,
the processor being operable to execute the program instructions,
the program instructions including: providing a first interface for
use by a first individual to receive, over a network, verified
personal information pertaining to a second individual after the
second individual grants the first individual access to the
verified personal information pertaining to the second individual;
providing a second interface for use by the second individual to:
provide unverified personal information over the network; and
control access to the verified personal information pertaining to
the second individual; and providing a third interface for use by a
personal information search provider to provide the verified
personal information pertaining to the second individual over the
network corresponding to results from a personal information
search.
87. The server of claim 86, wherein the program instructions
further include providing the first interface for use by the first
individual to submit a request to the second individual for access
to the verified personal information pertaining to the second
individual over the network.
88. The server of claim 86, wherein the program instructions
further include providing the second interface for use by the
second individual to submit an invitation to the first individual
to access to the verified personal information pertaining to the
second individual over the network.
Description
CROSS-REFERENCE TO RELATED APPLICATION(S)
[0001] This application claims the benefit of U.S. Provisional
Application Nos. 61/138,120 and 61/170,514, filed Dec. 16, 2008 and
Apr. 17, 2009, respectively, herein incorporated by reference.
FIELD OF THE INVENTION
[0002] The present invention relates generally to information
sharing systems and more specifically Internet based employment
opportunity and resume listing systems and computerized personal
background information search systems.
BACKGROUND OF THE INVENTION
[0003] There exist methods for providing interactive websites
listing available employment opportunities and storing prospective
employee resume and contact information. These prior methods are
limited because they do not adequately filter prospective
applicants and result in employers receiving a large pool of
applicants not optimally matched to the listed opportunity. These
prior methods are also limited because highly qualified applicants
are indistinguishable within the automated part of the employment
screening process from those applicants who misrepresent their
background and qualifications.
[0004] There also exist methods for performing personal background
information search and verification services. These methods involve
varying levels of automation, however, they are limited by the lack
of security and inefficiency in their manual authorization and data
sharing components. In particular, existing automated methods do
not include a way to provide a requestor with verified personal
background information search results while maintaining secrecy
about the target individual's highly sensitive personal information
such as social security number and date of birth. Existing
automated methods also fail to provide tools for the secure and
efficient reuse and sharing of previously purchased background
information reports.
[0005] There also exist methods for manual verification of
employment, educational history, personal references or other
information that may not be available from commercial data
providers. These methods are time consuming and fail to provide
control or transparency to a prospective employee.
SUMMARY OF THE INVENTION
[0006] The invention relates to a software component system and
method for more accurate matching of applicants to jobs and more
effective and efficient filtering of applicants for requisite
qualifications, as well as a system and a method for simplifying,
coordinating, and minimizing the risk associated with requesting,
sharing, and providing verified personal background
information.
[0007] Some embodiments of the present invention include
interaction between an Internet job board, an employer portal, a
member portal, and a data (or background search) portal. In many
embodiments, the system receives information from Internet job
boards when applicants respond to an employment opportunity listed
there. The system then tracks and displays applicant information
providing the current status of each application for employers, and
automatically communicates with applicants to gain their
authorization to perform background checks. In some embodiments,
part or all of the application tracking may be performed through a
third-party applicant tracking system. As a result, background
checking (or preverification) and initial applicant willingness
screening can be performed before an employer invests time, energy,
and money in the manual screening process.
[0008] Some embodiments of the present invention include systems
for automated employment history, education history, or personal
reference verification. In these embodiments, members or
prospective applicants provide information about their employment
or education history and also identify verification contacts who
can be contacted to verify the accuracy of the information the
member or prospective applicant has provided. The verification
contacts may then be automatically contacted by email, text
message, telephone, or other automated means and requested to fill
out a form to verify particular information. When a verification
contact submits a verification form back to the system, the
prospective employer and the prospective applicant are notified.
These embodiments may also include the ability for the prospective
applicant or the system to automatically follow-up with the
verification contact if no response is received.
[0009] An embodiment of the present invention provides an automated
method for verification of employment history regarding a job
applicant, the method including receiving information identifying
an applicant, receiving employment history information for the job
applicant, receiving information identifying a contact for
verification of the employment history information, automatically
providing identified verification contact with a question
pertaining to employment history information, receiving an answer
from an identified verification contact and storing the answer.
[0010] Another embodiment of the present invention provides an
automated method for minimizing human review of employment
applications from a pool of applicants, the method including
receiving employment application information, providing an
automated request to an applicant for authorization to process the
application, receiving a response to the request for authorization,
narrowing the pool of applicants to those who have provided a
response.
[0011] Some embodiments of the present invention include
interaction between members and other members or users in which a
first individual who is interested in learning about the background
of a second individual sends a request through the system asking
the second individual to sign up and purchase a particular
preverification report (or background check) and share it with the
first individual. The system manages these requests and the
permission process, providing tools for the second individual to
purchase the preverification report, automatically coordinating the
order and delivery process with a data provider, and providing
tools for the second individual to authorize the first individual
to review the preverification report.
[0012] An embodiment of the present invention provides an automated
method for the preverification of individual personal information,
the method including providing a computer interface for use by a
first individual to receive personal information pertaining to a
second individual over a network, providing a computer interface
for use by a second individual to provide personal information over
a network, providing a computer interface for use by data vendors
to provide personal information pertaining to a second individual
over a network.
[0013] In another embodiment the invention relates to an automated
system for researching or sharing personal information including: a
network interface; a member database accessed through a network
interface by the member, the employer, or the data provider and
storing member information; and an employer database accessed
through the network interface by the employer, the member, or the
data provider and storing employer information; and a background
search request database accessed through the network interface by
the data provider and storing orders for preverification reports;
and an auxiliary information database accessed through the network
interface by the member, the employer, or the data provider and
storing system or other information; and a server coupled to the
member database, employer database, background search request
database, and auxiliary information database wherein the server is
configured to provide a computer interface for use by a first
individual to receive personal information pertaining to a second
individual over a network, provide a computer interface for use by
a second individual to provide personal information over a network,
and provide a computer interface for use by data vendors to provide
personal information pertaining to a second individual over a
network.
[0014] In another embodiment the invention relates to a server for
an automated personal information research or sharing system, the
server including: a processor; and memory operably coupled to the
processor storing program instructions therein, the processor being
operable to execute the program instructions, the program
instructions including: providing a computer interface for use by a
first individual to receive personal information pertaining to a
second individual over a network; providing a computer interface
for use by a second individual to provide personal information over
a network; providing a computer interface for use by data vendors
to provide personal information pertaining to a second individual
over a network.
BRIEF DESCRIPTION OF THE DRAWINGS
[0015] FIG. 1 is a schematic block diagram of a verification system
constructed according to an embodiment of the present invention for
integrating the automated authorization and disclosure of personal
background information searches with the automated management of an
employment matching and screening process according to an
embodiment of the present invention;
[0016] FIG. 2 is a schematic block diagram illustrating the
interaction between the databases and web portals according to an
embodiment of the present invention;
[0017] FIG. 3 is a schematic block diagram and flow diagram
depicting an expected interaction between members, employers, and
data providers within the system according to an embodiment of the
present invention;
[0018] FIG. 4A is a flow chart illustrating the member
authentication and account creation process according to an
embodiment of the present invention;
[0019] FIG. 4B is a schematic block diagram illustrating the
navigation options of an unauthenticated user within the system
according to an embodiment of the present invention;
[0020] FIG. 4C is an illustration of information presented to an
unauthenticated user on the member landing page according to an
embodiment of the present invention;
[0021] FIG. 4D is an illustration of a sample member profile
according to an embodiment of the present invention;
[0022] FIG. 4E is a schematic block diagram illustrating navigation
options available within the login system according to an
embodiment of the present invention;
[0023] FIG. 4F is an illustration of an account login interface
presented to an unauthenticated user who has elected to login
according to an embodiment of the present invention;
[0024] FIG. 4G is an illustration of an account activation message
presented to a user during the account registration process
according to an embodiment of the present invention;
[0025] FIG. 4H is an illustration of an account activation message
presented to a user upon successful completion of the account
registration process according to an embodiment of the present
invention;
[0026] FIG. 4I is an illustration of a password retrieval interface
presented to an unauthenticated user during the password retrieval
process according to an embodiment of the present invention;
[0027] FIG. 5A is a schematic block diagram illustrating navigation
options within an authenticated member portal according to an
embodiment of the present invention;
[0028] FIG. 5B is a flow chart illustrating a member
preverification report order and management process according to an
embodiment of the present invention;
[0029] FIG. 5C is an illustration of a preverification report order
and management interface within an authenticated member portal
according to an embodiment of the present invention;
[0030] FIG. 5D is an illustration of information presented to an
authenticated member during a preverification report order process
according to an embodiment of the present invention;
[0031] FIG. 5E is an illustration of an order confirmation
presented to an authenticated member during a preverification
report order process according to an embodiment of the present
invention;
[0032] FIG. 5F is an illustration of information in an education
history preverification report as presented to a user according to
an embodiment of the present invention;
[0033] FIG. 5G is an illustration of information in an employment
history preverification report as presented to a user according to
an embodiment of the present invention;
[0034] FIG. 5H is an illustration of information in a credit report
preverification report as presented to a user according to an
embodiment of the present invention;
[0035] FIG. 5I is an illustration of information in a driving
record preverification report as presented to a user according to
an embodiment of the present invention;
[0036] FIG. 5J is an illustration of information in an address
history preverification report as presented to a user according to
an embodiment of the present invention;
[0037] FIG. 5K is a flow chart illustrating a member permissions
management process according to an embodiment of the present
invention;
[0038] FIG. 5L is an illustration of a permission management
interface within an authenticated member portal according to an
embodiment of the present invention;
[0039] FIG. 5M is a flow chart illustrating a member rewards and
offers management process according to an embodiment of the present
invention;
[0040] FIG. 5N is an illustration of a rewards and offer interface
within an authenticated member portal according to an embodiment of
the present invention;
[0041] FIG. 5O is an illustration of a news display system
according to an embodiment of the present invention;
[0042] FIG. 5P is an illustration of an account management
interface within an authenticated member portal according to an
embodiment of the present invention;
[0043] FIG. 6A is a flow chart illustrating a employment
verification preverification report order process according to an
embodiment of the present invention;
[0044] FIG. 6B is an illustration of an entry interface presented
to an authenticated member during a employment verification
preverification report order process according to an embodiment of
the present invention;
[0045] FIG. 6C is an illustration of the information in an email
sent to an identified reference during a employment verification
preverification report order process according to an embodiment of
the present invention;
[0046] FIG. 6D is an illustration of a reference survey interface
presented to an identified reference during a employment
verification preverification report order process according to an
embodiment of the present invention;
[0047] FIG. 7A is a flow chart illustrating a member search process
according to an embodiment of the present invention;
[0048] FIG. 7B is an illustration of information presented in
response to a search for a member who does not exist within the
system according to an embodiment of the present invention;
[0049] FIG. 7C is an illustration of information presented to an
unauthorized viewer in response to a search for a member who exists
with the system according to an embodiment of the present
invention;
[0050] FIG. 7D is an illustration of information presented to a
member after another member has requested that additional
preverification report information be made available according to
an embodiment of the present invention;
[0051] FIG. 7E is a an illustration of the preverification report
information interface presented to an authorized viewer according
to an embodiment of the present invention;
[0052] FIG. 8A is an illustration of information presented to an
unauthenticated user on the employer landing page according to an
embodiment of the present invention;
[0053] FIG. 8B is a schematic block diagram illustrating navigation
options within an authenticated employer portal according to an
embodiment of the present invention;
[0054] FIG. 8C is a flow chart illustrating the application
filtration process according to an embodiment of the present
invention;
[0055] FIG. 8D is an illustration of an applicant data interface
within an authenticated employer portal according to an embodiment
of the present invention;
[0056] FIG. 8E is an illustration of a direct invitation interface
according to an embodiment of the present invention;
[0057] FIG. 8F is an illustration of information in an email sent
to applicant as part of the application filtration process
according to an embodiment of the present invention;
[0058] FIG. 8G is an illustration of information presented to an
employer summarizing an applicant's preverification reports
according to an embodiment of the present invention;
[0059] FIG. 8H is an illustration of a settings management
interface within an authenticated employer portal according to an
embodiment of the present invention;
[0060] FIG. 8I is an illustration of an account management
interface within an authenticated employer portal according to an
embodiment of the present invention;
[0061] FIG. 8J is an illustration of a settings management
interface within an authenticated employer portal according to
another embodiment of the present invention;
[0062] FIG. 8K is an illustration of a settings management
interface within an authenticated employer portal according to
another embodiment of the present invention;
[0063] FIG. 9A is a flow chart illustrating the data provider order
and fulfillment process according to an embodiment of the present
invention;
[0064] FIG. 9B is a schematic block diagram illustrating navigation
options within an authenticated data portal according to an
embodiment of the present invention;
[0065] FIG. 9C is an illustration of an order overview interface
within an authenticated data portal according to an embodiment of
the present invention;
[0066] FIG. 9D is an illustration of an account management system
within an authenticated data portal according to an embodiment of
the present invention;
[0067] The figures depict embodiments of the present invention for
purposes of illustration only. One skilled in the art will readily
recognize from the following discussion that alternative
embodiments of the structures and methods illustrated herein may be
employed without departing from the principles of the invention
described herein.
DETAILED DESCRIPTION OF THE INVENTION
[0068] Turning now to the drawings, embodiments of the present
invention that include interaction between an Internet job board,
an employer portal, a member portal, and a data portal are shown.
An employer portal receives email information submitted by
applicants who respond to an employment opportunity listed on an
Internet job board. This employer portal tracks and displays
applicant information providing the current status of each
application. One component of this functionality may be viewed as
an applicant tracking system or ATS as that term has become known
in the field. In some embodiments, this employer portal
incorporates substantial ATS functionality for tracking application
information from initial response to a job listing through the
entire employment process through termination. In other
embodiments, the employer portal allows employers to manage and
track the application receiving and background check authorization
processes. In yet another embodiment, the employer portal includes
tools for defining and managing the interaction between the system
and any third-party ATS.
[0069] In many embodiments the employer portal manages applications
for a single job offering. In other embodiments the employer portal
manages applications for more than one job offering. In some
embodiments the employer portal manages application submission
and/or background check authorization. In other embodiments the
employer portal allows the employer to control and manage
communication with a third-party ATS. In one aspect of the
invention the applicant filtration process automatically narrows
the field of applicants by requesting that an applicant confirm
willingness to undergo various background checks and consent to
particular checks. In many embodiments the applicant filtration
process employs a series of email communications and website forms
to implement the consent process.
[0070] In another aspect of the invention, highly sensitive
applicant data such as social security number and birth date is
protected because it is not disclosed to an employer during the
application process. In many embodiments the sensitive data is
retained by the system and provided on a need to know basis to data
providers. In other embodiments the system facilitates direct
communication between members and data providers and does not
collect or store sensitive information.
[0071] In another aspect of the invention, members retain access to
preverification reports (or particular background checks) already
prepared for one purpose, for example in connection with a
particular job application, for reuse with other employers or in
other contexts such as online dating or educational admissions
applications.
[0072] A schematic block diagram illustrating an embodiment of the
invention for integrating the automated authorization and
disclosure of personal background information searches with the
automated management of an employment matching and screening
process is shown in FIG. 1. As shown in FIG. 1, the system includes
a member terminal 102 for member access, over a network 104 to a
web server 106. Certain types of access to the web server 106 may
be limited by requiring, for example, the submission of a user name
and password, for security purposes. The server 106 provides access
for a user to a member database 108, an employer database 110, a
background search database 112, and an auxiliary information
database 114.
[0073] The member database 108 stores information such as a
member's first and last name and email address, a member's
permission settings and associated data, a member's account
information such as login, password, and any password retrieval
challenge information, a member's advertising and offer preferences
and history, information related to a member's order history,
pending orders, payment options and additional member profile
information. The employer database 110 stores information such as
employer name, address, and profile information, employer job
offerings, employer confirmation and consent preferences, employer
account information, employer contact email information,
information about applicants for employer job offerings, pending
orders and payment information. The background search database 112
stores information such as orders for background information and
the results of background information searches (also known as
"preverification reports"), information entered by members in the
preverification report order process, data provider preferences and
data provider identification information and account information.
The auxiliary information 114 stores additional information used in
system operations such as information about advertisements and
offers, advertiser preference information, news and news
organization information, information related to the provision of a
job board such as job listings and associated data, and data
associated with employment matching and resume management
services.
[0074] Further the system includes an employer terminal 116 for
employer access to a member database 108, an employer database 110,
a background search database 112, and an auxiliary information
database 114 over a network 104 and the web server 106. The
employer terminal 116 allows an employer to manage the pending
applications for particular jobs, view detailed information about
applicants, request preverification reports for particular
applicants, view background information results for particular
applicants, manage preferences and account information, and pay
bills. In many embodiments of the employer terminal 116, the web
server 106 accesses the auxiliary information database 114 to allow
the employer to manage interaction with a third-party ATS from the
employer terminal 116. In some embodiments the employer may manage
the third-party ATS directly through the employer terminal 116. In
some embodiments the employer terminal allows the employer to
manage the direct or indirect communication between the employer
database 110 and any third-party ATS.
[0075] Further the system includes an administrator terminal 118
and a data provider terminal 120 for administrator and data
provider access respectively to the system databases over a network
104 and the web server 106. The administrator terminal 118 allows
an administrator to manage the entire system including user
authentication and tracking, to control the advertising and offer
systems, to select and promote stories within the news interface,
and to review and remove objectionable content posted within member
profiles and the job board. The data provider terminal 120 allows a
data provider to view and download orders for preverification
reports, enter and submit or upload the results of preverification
searches, and manage accounting information associated with payment
for services.
[0076] The system also includes a data provider server 122 that
contains background information data provided directly by data
providers to the system via the automated preverification report
order fulfillment back end.
[0077] FIG. 2 is a schematic block diagram illustrating the
interaction between the databases and web portals according to an
embodiment of the present invention. As shown in FIG. 2, in one
embodiment of the invention, the data is stored within MySQL
databases 202, 204, 206 and the member portal 208, accessible
through the member terminal 102 is implemented using PHP, as are
the Employer portal 210, accessible through the employer terminal
116, and the data portal 212, accessible through the data provider
terminal 120.
[0078] FIG. 3 is a schematic block diagram and flow diagram
depicting an expected interaction between members, employers, and
data providers within the system according to an embodiment of the
present invention. As FIG. 3 depicts, in one embodiment of the
invention, a candidate (or applicant) 302 finds a job posted on an
Internet job board 304 and submits an application through the board
306. The Internet job board 304 may be provided by a third-party
such as an employer or another company that provides employment
services. The system then stores applicant data within the employer
database 306 [204 /110] and also initiates a consent process with
the applicant as illustrated 308. An employer may use the employer
portal 310 [210] to review applicant information. Part or all of
the ATS component of the employer portal 310 may be provided by a
third-party. An employer may select applicants for further
background checking (or preverification) 312. When an employer so
selects, the resulting preverification report orders are passed to
the background search database 314 and results are returned to the
system as they are prepared by a data provider 316. Results are
also made available to the applicant through the member portal 318
[208] where they may be shared with other users 320, posted to the
system job board 322 and accessed by other prospective employers
324.
[0079] FIG. 4A is a flow chart illustrating the member
authentication and account creation process according to an
embodiment of the present invention. As FIG. 4A depicts, the system
provides access to an interface available to unauthenticated users
402 interested in accessing the member profile management
interface. According to one embodiment of the invention, this
access is provided through a website landing page targeted at
prospective members. FIG. 4B is a schematic block diagram
illustrating the navigation options of an unauthenticated user
within the system according to an embodiment of the present
invention. FIG. 4C is an illustration of information presented to
an unauthenticated user on a member landing page including
marketing material promoting the site 404 and an area that allows a
user to create an account or log in 406 according to an embodiment
of the present invention. The unauthenticated user may also
navigate from this page to view a sample member profile. FIG. 4D is
an illustration of a sample member profile according to an
embodiment of the present invention. Returning to FIG. 4A, the
system then prompts a user to login or create an account 408, and
if the user is an existing member then the user may attempt to
login. FIG. 4E is a schematic block diagram illustrating navigation
options available within the login system according to an
embodiment of the present invention. FIG. 4F is an illustration of
an account login interface presented to an unauthenticated user who
has elected to login according to an embodiment of the present
invention. If a user attempts to login 410, but is unsuccessful,
the user has the option to retrieve the correct password 412
through the password retrieval process 414. FIG. 4I is an
illustration of a password retrieval interface presented to an
unauthenticated user during the password retrieval process
according to an embodiment of the present invention. If a user is
not an existing member, the user may elect to create an account
416, this election initiates the account creation process 418. FIG.
4G is an illustration of an account activation message presented to
a user during the account registration process according to an
embodiment of the present invention. FIG. 4H is an illustration of
an account activation message presented to a user upon successful
completion of the account registration process according to an
embodiment of the present invention. After successfully retrieving
a password 414 or creating an account 418, the user may then
attempt to login 410 and if successful, the user gains access to
the authenticated member profile management interface (or portal)
420. FIG. 5A is a schematic block diagram illustrating navigation
options within an authenticated member portal according to an
embodiment of the present invention. Within the member profile
management interface the member may select among several navigation
options by selecting the "My Account" tab 422 to enter the account
management process 424, or by selecting the "My Rewards" tab 426 to
enter the rewards and offers management process 428, or by
selecting the "My Preverify" tab 430 to enter the preverification
management process 432 wherein the member may view third party
requests for particular preverification reports and may elect to
purchase particular preverification reports. By selecting the "My
Permissions" tab 434 to enter the permission management process
436. In one embodiment of this permissions management process, a
member may allow particular individuals access to their entire
collection of preverification reports on a member basis. In another
embodiment of this process, particular preverification reports are
managed individually and access to each preverification report may
be controlled at the report or preverification category level.
[0080] FIG. 5B is a flow chart illustrating a member
preverification report order and management process according to an
embodiment of the present invention. As FIG. 5B depicts, the system
provides access to a member preverification management interface
510. FIG. 5C is an illustration of a preverification report order
and management interface within an authenticated member portal that
shows the display information indicating the presence of
preverification report requests by third parties 512, prices for
the purchase of particular preverification reports 514, an
interface to allow a member to select and purchase particular
preverification reports 516 according to an embodiment of the
present invention. Returning to FIG. 5B, if the system has stored a
preverification report request for a member 518 and the member
elects to view the requests 520, the system may present information
about the parties requesting access to preverification report
details 522 and then prompt the member to authorize or deny access
within the permission management interface 524. If the member
places an order for a preverification report 526, the system
presents an additional interface 528 that allows the member to
enter necessary information including payment information 530. FIG.
5D is an illustration of information presented to an authenticated
member during a preverification report order process according to
an embodiment of the present invention. For some preverification
report orders, the information that a member is required to enter
is more extensive than just payment information. For example, if a
member orders an educational history or employment history
preverification report, the member may be required to enter
additional background or reference information for verification by
the data provider. FIG. 6B is an illustration of an entry interface
presented to an authenticated member during a employment
verification preverification report order process according to an
embodiment of the present invention. Returning to FIG. 5B, if a
member successfully enters an order, the system enters information
into the member database and the background search database 532, it
sends a confirmation of the order to the member 534, and it alerts
the data provider to the presence of a new order 536. FIG. 5E is an
illustration of an order confirmation presented to an authenticated
member during a preverification report order process according to
an embodiment of the present invention. When the data provider
completes the preverification report order 538, the member and
background search databases are updated 540 to reflect the presence
of a complete preverification report and the contents of the
preverification report. The member is alerted that the order is
complete 542, and if the order was requested by another user 544,
for example an employer, that requestor is also alerted to the
completion of the preverification report order 546. If the member
or requestor elects to view the requested preverification report
the system displays the report and allow the user to print it. FIG.
5F is an illustration of information in an education history
preverification report as presented to a user according to an
embodiment of the present invention. FIG. 5G is an illustration of
information in an employment history preverification report as
presented to a user according to an embodiment of the present
invention. FIG. 5H is an illustration of information in a credit
report preverification report as presented to a user according to
an embodiment of the present invention. As can be seen in FIG. 5H,
in some embodiments of the invention, the credit report information
presented to a requestor may be minimal, and may not disclose
sensitive personal information such as bank account information and
social security number. In other embodiments of the invention, more
information is disclosed, nonetheless, some sensitive personal
information never disclosed to a requestor, for example the
member's social security number. FIG. 5I is an illustration of
information in a driving record preverification report as presented
to a user according to an embodiment of the present invention. FIG.
5J is an illustration of information in an address history
preverification report as presented to a user according to an
embodiment of the present invention.
[0081] FIG. 5K is a flow chart illustrating a member permissions
management process according to an embodiment of the present
invention. As FIG. 5K depicts, the system provides a member
permission management interface 548 that allows members to invite
non-members to view their existing preverification reports by
signing up with the system, and also allows members to manage
pending requests for authorization to view that member's profile.
FIG. 5L is an illustration of a permission management interface
within an authenticated member portal according to an embodiment of
the present invention. As can be seen from FIG. 5L, this interface
presents two interactive areas, one "Invited List" area 550 that
allows management of invitations, and another "Requests" area 552
that allows management of pending requests. Returning to FIG. 5K,
if a member uses the features of the "Invited List" area 550 to
enter an email address of an individual to invite to view the
member's existing preverification reports 554, then the system
updates the member database to reflect a newly invited individual
associated with that particular member's record 556, the system
checks to determine whether the invited individual is already a
member of the system 558. If the individual is not an existing
member 560, then the system sends an email invitation to the
invited individual 562, and if the invitee signs up 564, then the
system creates a new member profile 566. Either after the system
creates a new profile 566, or in the case where the invited
individual was already a member 560, the system then adds an entry
to the member database reflecting the authorization for the invited
member to view the inviting member's preverification reports 568.
If a member has pending requests by third parties 570 for
authorization to view that member's preverification reports, the
member may use the features of the "Requests" area 552 which is
essentially an approval tool 572. From the approval tool 572, a
member may view all requests for authorization and may elect to
approve 574 or deny 576 a particular request. If a request is
approved 574, then notification of the approval is sent to the
requestor 578, and the member database is updated to reflect the
new permissions 580. If the request is denied 576, then
notification of the denial is sent to the requestor 582 and the
database is updated to reflect the new non-authorization 584. In
the case of non-authorization, the information is stored so that it
may be used to screen out an individual who makes multiple requests
for authorization, and to allow a member to avoid repeated
review.
[0082] FIG. 5M is a flow chart illustrating a member rewards and
offers management process according to an embodiment of the present
invention. As depicted in FIG. 5M, the first step in this process
is the constant analysis of member attributes, history, and data
586 with an eye toward targeting proper advertisements and offers
to particular members. Having identified and analyzed member
information, the system then performs a matching process by
comparing available offers and advertisements to the attributes of
each member 588. Once the advertisements and offers are associated
with each member, the system provides a targeted member rewards
interface 590. FIG. 5N is an illustration of a rewards and offer
interface within an authenticated member portal according to an
embodiment of the present invention. As FIG. 5N shows, a member
within the offer interface of an authenticated member portal is
presented with a series of categories 590A that allow the member to
select particular areas of interest, the member is also presented
with a series of offers 590B from particular institutions. For
example, as the illustrations depicts, these offers may be offers
from financial institutions to open bank or brokerage accounts, or
they may be credit card offers. Within this interface, a member is
also presented with targeted advertisements 590C that were
identified through the matching process 588 discussed above. Within
this interface a member is also presented with a visual data
representation 590D that indicates some information about the
member and explains how this information is related to the offers
presented. In the embodiment of the invention illustrated in FIG.
5N the information presented about the member reflects the number
of preverification reports the member has purchased. In other
embodiments, this visual data representation 590D may reflect
information such as the average credit score of the member, or the
interactivity, or loyalty, or stability score of the member. Or any
other quality of the member or the member's behavior that can be
described on the basis of data collected by the system. Returning
to the flow chart of FIG. 5M, from the member rewards interface
590, the system presents targeted advertising 592, categories of
offers 594, and preselected offers 596 to the member. If the user
elects a category of offer 598 by selecting an offer presented
within the category lists 590A, the system presents advertisements
and offers related to that category of goods or services. If a user
selects an offer 502 or advertisement 501 from the interface,
either after selecting a category 598 or at the initial entry into
the interface, the system opens a new area to display additional
information corresponding to the selected offer 503. In some
embodiments this area may be a new web browser window or tab. The
system also stores a record that the member selected that offer or
advertisement 504 to assist with better advertisement and offer
targeting in the future.
[0083] FIG. 5P is an illustration of an account management
interface within an authenticated member portal according to an
embodiment of the present invention. Within this interface a member
may manage information about their account such as name, email, and
password. It will be appreciated by those of skill in the art that,
in other embodiments of the present invention, other information
pertaining to a member is managed using this interface.
[0084] FIG. 5O is an illustration of a news display system
according to an embodiment of the present invention. This news
display system is available to authenticated and unauthenticated
users of the system and contains news stories related generally to
employment and verification issues.
[0085] FIG. 6A is a flow chart illustrating a employment
verification preverification report order process according to an
embodiment of the present invention. As FIG. 6A depicts, if a
member initiates a employment verification preverification report,
the system receives the request 610 and prompts the member to enter
additional information pertaining to the employment verification
612. FIG. 6B shows an illustration of the type of interface
presented to the member to enter employment verification contact
information according to one embodiment of the invention.
[0086] If the member submits complete information to allow the
system to perform the employment verification 614, the system
automatically sends email messages to the contacts identified by
the members. FIG. 6C is an illustration of the information in an
email sent to an identified contact during a employment
verification preverification report order process according to an
embodiment of the present invention. As can be observed from this
illustration, the identified contact individual is presented with a
link to the system, which may be selected in order to complete a
detailed survey. If the contact individual selects this link 618,
then the system presents a survey interface to allow the contact
individual to enter information about the member requesting the
employment verification. FIG. 6D is an illustration of an
employment verification survey interface presented to an identified
contact during an employment verification preverification report
process according to an embodiment of the present invention. Within
the survey interface the identified contact may be presented with
questions that allow him to enter both qualitative and quantitative
information about the member. This information may be used in the
instant hiring process, and may be stored for use in searching for
candidates on a job board. For example, a verification contact may
indicate that a particular member is fluent in multiple languages
and this information may be stored and become available for
searching within a job board. If the contact individual completes
the survey 622, the system automatically sends the reference a
thank you message 624 and stores the data provided within the
survey process 626 in the background search 112 and member 108
databases. The system further alerts the member that the employment
verification inquiry has received a response. FIG. 6A through 6D
illustrate the process of automated verification of employment
history. The same methodology for automated verification may be
employed with respect to personal references, education history, or
any other background information. This verification process may be
used to replace data provided by a commercial data provider, or to
supplement or confirm such data.
[0087] Several figures depict the authenticated member portal and
the interfaces within this portal. For example FIGS. 5C, 5D, 5F, 5L
5N, and 5P all show a "Profile Lookup" box in the upper right
corner of the illustrated screen. FIG. 7A is a flow chart
illustrating a member search process that occurs when an
authenticated member uses the "Profile Lookup" box to search for
another member according to an embodiment of the present invention.
As depicted in FIG. 7A, the system provides a member search
interface 710 that receives a search query entered into the
"Profile Lookup" box. The system then attempts to find a member
profile 714 associated with the search query within the member
database. If no profile is found, the system presents a profile not
found message 716 and provides the searcher an opportunity to send
an invitation to the person searched for 718. FIG. 7B is an
illustration of information presented in response to a search for a
member who does not exist within the system according to an
embodiment of the present invention. If the searcher elects to send
an invitation 718, then the system sends an invitation to the email
address searched on behalf of the prospective member 720. If the
search results in the system finding a member profile for the
target of the search 714, then the system determines whether the
searcher is already authorized to view the preverification report
information of the member searched 722. If the searcher is not
authorized to see the target's preverification report information,
then the system presents to the searcher a limited information
screen 724 that indicates that the target is a member and shows
what preverification reports already exist for the target. FIG. 7C
is an illustration of information presented to an unauthorized
viewer in response to a search for a member who exists within the
system according to an embodiment of the present invention. As this
illustration shows, some information is available to the searcher,
for example the details of which preverification reports have been
purchased and when they were last updated, however, all of the
detailed information in the preverification reports is not
accessible. As this illustration also shows, the searcher is
presented with a box that allows a request for permission to view
to be transmitted to the searched member. Returning to FIG. 7A, if
the searcher requests authorization, the system sends an email to
the searched member alerting the member to the request for
authorization 728. If authorization is subsequently provided 730,
or if the searcher was already authorized 722 when the target was
located, then the system presents the searcher with the member
preverification information interface. FIG. 7E is an illustration
of the preverification information interface presented to an
authorized viewer according to an embodiment of the present
invention. As the illustration shows, this interface allows an
authorized viewer to request additional preverification reports
that are not presently available within the searched member's
profile by checking the "Request" select box on the right side of
the illustration. If additional preverification reports are
requested, the system sends an alert to the searched member taking
the form of FIG. 7D, which is an illustration of information
presented to a member after another member has requested that
additional preverification information be made available according
to an embodiment of the present invention.
[0088] As discussed above with respect to FIG. 3, a key component
of the interaction within the invention is the application
filtration process that is depicted to some extent in FIG. 3. FIG.
8C is a flow chart that shows the application filtration process in
greater detail according to an embodiment of the present invention.
As depicted in FIG. 8C, the system also provides a separate
employer portal 310 that includes an application management
interface 810 to allow employers to manage all of the information
about all of the applicants for a particular job in one place. When
an employer creates a new job listing 812, the system assigns an
email address to that listing 814. That email address is used by
the employer (or the employer's HR department) as the contact email
for all job listings posted on Internet job boards 816. As
reflected in FIG. 3, the Internet job boards may be provided by
third parties outside of the system 304 or may be the job board
provided within the system, identified in FIG. 3 as the "PreVerify
Job Board." 322. The use of the system assigned email address,
means that when an applicant applies to a job through one of the
job boards 818, and an automatic email is sent to the employer
contact who listed that job, it can be received by the system of
the invention 220. When the system receives this emailed applicant
information, it parses the email header files and body to acquire
data pertaining to the applicant and store that data in the
employer database 822. This data can then be viewed by the employer
through the applicant data interface within the authenticated
employer portal. FIG. 8D is an illustration of an applicant data
interface within an authenticated employer portal according to an
embodiment of the present invention. Returning to FIG. 8C, after
the applicant data has been entered into the employer database and
is available for viewing through the employer portal, the
application filtration process commences. The first step of the
application filtration process is when the system automatically
sends a confirmation email to the applicant in response to the
applicant's application submission 824. FIG. 8F is an illustration
of information in an email sent to applicant as part of the
application filtration process according to an embodiment of the
present invention. If the applicant confirms a willingness to move
forward with the process 826 that the applicant has been informed
may involve various levels of background checking and verification
of resume details, then the system updates the applicant's status
to "confirmed" within the employer database and portal 828. In the
next step of the filtration process, the employer initiates the
sending of a request for consent email to the applicant 830,
requesting the applicant's consent to particular background
searches (or the creation of preverification reports), and
requesting that the applicant enter necessary information to allow
those preverification reports to be obtained. For example, to
perform a credit check the system may request that the applicant
enter a full name, a social security number, and a date of birth.
If the applicant consents to particular preverification reports and
enters the necessary information 832, the system updates that
applicant's status to "consented" within the employer database and
portal 834. In some embodiments this "consented" status is updated
in the employer database 110. In some embodiments the "consented"
status is communicated through an automatic, manual, or applicant
assisted process to a third-party ATS. Once an applicant has
provided full consent to being preverified, the employer may review
the applicant's complete information 836 to decide whether to
purchase preverification reports for that applicant. At this point
in the process the system allows the employer to purchase
preverification reports for that applicant. If the employer elects
to purchase preverification reports for that applicant 838, the
applicant status in the employer database is updated to "pending"
840 and the preverification report orders are transmitted to data
providers 842. When the data providers return results 844 the
applicant status in the employer database and portal is updated to
"preverified" 846 and notice is sent to the applicant 848 and the
employer 850 that the preverification reports may be viewed within
the system. FIG. 8G is an illustration of information presented to
an employer or applicant summarizing an applicant's preverification
data according to an embodiment of the present invention.
[0089] As the illustration of FIG. 8D shows, an employer may also
send a direct invitation to a particular candidate to apply for a
job within the system. To do this, an employer selects the field
labeled "Send Direct Invite" in the upper right corner of the
illustration of FIG. 8D. When an employer selects this option, the
employer may then enter individual applicant information directly
into an interface for sending direct invitations. FIG. 8E is an
illustration of a direct invitation interface according to an
embodiment of the present invention.
[0090] FIG. 8H is an illustration of a settings management
interface within an authenticated employer portal according to an
embodiment of the present invention. As this illustration depicts,
an employer has the option to select varying levels of consent
required for it's job offerings. In this interface the employer may
also define what information is to be included in the auto-response
and direct invitation emails.
[0091] FIG. 8I is an illustration of an account management
interface within an authenticated employer portal according to an
embodiment of the present invention. As discussed above with
respect to the member account management interface, this interface
allows management of basic information pertaining to the user (in
this case the employer) such as email and password information.
[0092] FIG. 8J is an illustration of a settings management
interface within an authenticated employer portal according to
another embodiment of the present invention. As this illustration
depicts, an employer has the option to enter information into the
settings management interface to configure communication between
the system and a third-party ATS. In addition to the information
depicted in FIG. 8J, it is also contemplated that an employer may
enter configurations related to the direct communication of data
between a system and a third-party ATS over a network.
[0093] FIG. 8K is an illustration of a settings management
interface within an authenticated employer portal according to
another embodiment of the present invention. As this illustration
depicts, here an employer has the ability to define with
specificity the conditions under which a candidate with an existing
record in the system should be presented with a consent
communication. This illustration also depicts a feature that allows
an employer to block particular applicants based on whether they
already have or do not have particular preverification reports in
the system. In addition to the information depicted in FIG. 8K, it
is also contemplated that the selective consent filtering and
blocking tools may respond to what information has been authorized
or shared by a candidate rather than what information exists.
[0094] FIG. 9A is a flow chart illustrating the data provider order
and fulfillment process according to an embodiment of the present
invention. As FIG. 9A depicts, when the system receives an order
for a preverification report 910, the system sends an email alert
to a data provider 912, the system provides an interface to allow
the data provider to review and manage existing orders 914. When
the data provider authenticates within the data portal, reviews the
order interface, and selects an order 916, the system provides a
data entry interface 918 to allow the data provider, after
performing a particular background search, to enter the results
into the system 920. After a data provider enters those results,
the system updates the background search database 922 as well as
the member and employer databases as necessary, and alerts the
requestor and preverification target that the order is complete
924. FIG. 9C is an illustration of an order overview interface
within an authenticated data portal according to an embodiment of
the present invention. As this illustration shows, the data
provider is able to download the resume information from a target
and select the edit area to upload results back to the system.
[0095] FIG. 9D is an illustration of an account management system
within an authenticated data portal according to an embodiment of
the present invention. As discussed above this interface allows the
user (in this case the data provider) to manage its personal
information such as email address and password information.
[0096] Although the present invention has been described through
the use of exemplary embodiments, it will be appreciated by those
of skill in the art that various modifications may be made to the
described embodiments that fall within the scope and spirit of the
invention as defined by the claims and their equivalents appended
hereto. For example, the present invention may be implemented using
mobile telephone browser technology and SMS messaging instead of
websites and email, it could also be implemented using any
technology or system that facilitates the rapid communication of
complicated information between parties.
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