초록 ▼

This invention is a system and method for determining revenue from an intermediary derived from end user interactions involving personal information via the intermediary. A host computer monitors interactions between end users and personal information providers via an intermediary computer. The host

This invention is a system and method for determining revenue from an intermediary derived from end user interactions involving personal information via the intermediary. A host computer monitors interactions between end users and personal information providers via an intermediary computer. The host computer communicates with a personal information store for storing personal information associated with end users and an accounting store for storing accounting data associated with the intermediary computer. The host computer includes a processor that receives requests concerning personal information from the intermediary computer and services these requests based on personal information in the personal information store. The host computer processor updates the accounting data associated with the intermediary computer and generates invoices to the intermediary computer based on the updated accounting data.

대표청구항 ▼

This invention is a system and method for determining revenue from an intermediary derived from end user interactions involving personal information via the intermediary. A host computer monitors interactions between end users and personal information providers via an intermediary computer. The host

This invention is a system and method for determining revenue from an intermediary derived from end user interactions involving personal information via the intermediary. A host computer monitors interactions between end users and personal information providers via an intermediary computer. The host computer communicates with a personal information store for storing personal information associated with end users and an accounting store for storing accounting data associated with the intermediary computer. The host computer includes a processor that receives requests concerning personal information from the intermediary computer and services these requests based on personal information in the personal information store. The host computer processor updates the accounting data associated with the intermediary computer and generates invoices to the intermediary computer based on the updated accounting data. es according to the transaction data associated with the transaction request. 10. The system of claim 2, wherein the configuration file is effective until replaced by another configuration file. 11. A system for providing non-transaction messages during a user transaction, comprising: means for receiving message files, the message files including non-transaction messages; means for receiving transaction data associated with a transaction request; means for providing a sequence of transaction messages in response to the transaction request; means for selecting a non-transaction message in response to the transaction request; means for displaying the sequence of transaction messages; means for interposing the selected non-transaction message in the displayed sequence of transaction messages; means for providing an indication during the non-transaction message that the transaction request is being processed. 12. The system of claim 11, further comprising: means for providing material associated with the non-transaction message. 13. The system of claim 11, further comprising: means for storing the message files. 14. A method for providing non-transaction messages during a user transaction, comprising: receiving a plurality of message files, each message file including non-transaction messages; receiving transaction data associated with a transaction request; generating a sequence of transaction messages associated with the transaction request; selecting a non-transaction message in response to criteria associated with the transaction request; interposing the selected non-transaction message in the sequence of transaction messages; displaying the sequence of transaction messages with the interposed non-transaction message; providing an indication during the non-transaction message that the transaction request is being processed. 15. The method of claim 14, further comprising: providing material associated with the non-transaction message. 16. The method of claim 14, wherein criteria used in selecting the non-transaction method includes any of time of day of the transaction request, geographical location of the transaction request, identity of an originator of the transaction request, and transaction data associated with the transaction request. 17. A system for providing non-transaction messages during a user transaction, comprising: a terminal processor operable to receive message files and transaction data; a monitor operable to display message files and transaction data as selected by the terminal processor in response to a transaction request by a user, the terminal processor operable to provide a sequence of transaction messages to the monitor for display to the user in response to the transaction data and the transaction request, the terminal processor operable to provide a non-transaction message selected from the message files to the monitor for display to the user in response to the transaction data and the transaction request, the terminal processor operable to interpose the non-transaction message into the sequence of transaction messages; wherein the terminal processor is operable to receive a configuration file, the configuration file operable to control selection and presentation of the non-transaction message from the message files; wherein the configuration file is operable to determine that the non-transaction message be selected from the message files according to a pre-determined rotation of non-transaction messages in the message files. 18. The system of claim 17, wherein the physical telecommunications link communications is performed over a telephone line. 19. The system of claim 17, wherein the physical telecommunications link communications is performed over a fiber optic link. 20. A system for providing non-transaction messages during a user transaction, comprising: a terminal processor operable to receive message files and transaction data; a monitor operabl