Abstract: Provided is a method and system for an online marketplace for the buying, selling and Servicing of financial instruments, such as accounts receivable, where the online marketplace receives and analyzes Account data from a Reporting Agency Database, such as a Consumer Reporting Agency Database. The online marketplace may include a plurality of business logic Components, including an Analysis Component, an Inventory Management Component, an Offer Component, a Transaction Component, a Post-Transaction Component, a Receivables Management Knowledge Base and a Servicing Component. The Receivables Management Knowledge Base applies industry rules and regulations to the data. Users of the online marketplace may be Account Owners, Buyers, sellers, Servicers and the like. Users flag Accounts in the Consumer Reporting Agency database to be placed for sale on the online marketplace. Users may also define Selection Criteria for automatic buying, automatic selling, alerts or other such business rules.

Abstract: Facilitating the purchase and sale of private data between anonymous entities based on the use of encryption and a centralized on-line entity to exchange the private data in a secure environment. The seeker of private data, such as consumer information, transmits an encrypted query to the centralized exchange entity. The query submission includes legal representations stating the legally permissible purpose for seeking the information. The centralized exchange entity compares the encrypted query to an encrypted data index collected from at least one data provider, to determine if the query matches any private data held by a data provider. The comparison is conducted within a secure, search component to ensure the privacy of all data and all parties to the transaction. The exchange entity facilitates the anonymous exchange between the data purchaser and the data provider. A payment invoice can be generated and electronically presented by maintainer.

Abstract: Provided is a method and system for an online marketplace for the buying, selling and Servicing of financial instruments, such as accounts receivable, where the online marketplace receives and analyzes Account data from a Reporting Agency Database, such as a Consumer Reporting Agency Database. The online marketplace may include a plurality of business logic Components, including an Analysis Component, an Inventory Management Component, an Offer Component, a Transaction Component, a Post-Transaction Component, a Receivables Management Knowledge Base and a Servicing Component. The Receivables Management Knowledge Base applies industry rules and regulations to the data. Users of the online marketplace may be Account Owners, Buyers, sellers, Servicers and the like. Users flag Accounts in the Consumer Reporting Agency database to be placed for sale on the online marketplace. Users may also define Selection Criteria for automatic buying, automatic selling, alerts or other such business rules.

Abstract: Provided is a method and system for an online marketplace for the buying, selling and Servicing of financial instruments, such as accounts receivable, where the online marketplace receives and analyzes Account data from a Reporting Agency Database, such as a Consumer Reporting Agency Database. The online marketplace may include a plurality of business logic Components, including an Analysis Component, an Inventory Management Component, an Offer Component, a Transaction Component, a Post-Transaction Component, a Receivables Management Knowledge Base and a Servicing Component. The Receivables Management Knowledge Base applies industry rules and regulations to the data. Users of the online marketplace may be Account Owners, Buyers, sellers, Servicers and the like. Users flag Accounts in the Consumer Reporting Agency database to be placed for sale on the online marketplace. Users may also define Selection Criteria for automatic buying, automatic selling, alerts or other such business rules.

Abstract: Based on the small world theory of networking, the present invention provides access to a previously unavailable source of private data, necessary for commerce, by facilitating the sale of private data from members of the general public. For example, the seeker of private data, such as consumer information, submits a data request to an online portal system. The request submission includes legal representations stating the legally permissible purpose for seeking the information. The portal system may display the data request to registered data providers, based on their demographic data. The system facilitates the exchange between the data buyer and the data provider. A payment invoice can be generated and electronically presented by the portal system. The payment may be electronically debited from the designated account of a data. In addition, a portion of such funds may be retained by the portal entity.

Abstract: Facilitating the purchase and sale of private data between anonymous entities based on the use of encryption and a centralized on-line entity to exchange the private data in a secure environment. The seeker of private data, such as consumer information, transmits an encrypted query to the centralized exchange entity. The query submission includes legal representations stating the legally permissible purpose for seeking the information. The centralized exchange entity compares the encrypted query to an encrypted data index collected from at least one data provider, to determine if the query matches any private data held by a data provider. The comparison is conducted within a secure, search component to ensure the privacy of all data and all parties to the transaction. The exchange entity facilitates the anonymous exchange between the data purchaser and the data provider. A payment invoice can be generated and electronically presented by maintainer.

Abstract: Using peer-to-peer networking to exchange consumer information in a secure environment. The seeker of consumer information transmits an encrypted query to authenticated and trusted peers which includes legal representations stating the legally permissible purpose for seeking the information. A peer, acting as a maintainer of consumer information, determines if the query matches any consumer information held by the maintainer. The maintainer then informs the seeker of the results of the match, the type of information available, the data format, and the price for such consumer information. A payment invoice can be generated and electronically presented by maintainer. The payment may be electronically debited from the designated account of seeker and remitted to maintainer. In addition, a portion of such funds may be delivered to an entity which maintains the peer-to-peer software.