Claims:We Claim:
1. A computer implemented system for data aggregation and management for user assessment comprising:
one or more remote processors [110];
a service provider web system or application [102] accessed by an information recipient at the client device [140] to provide service request and a user interface [104] at the user device [150] enabling data submission;
a remote server [105] comprising a computer based memory [106] for storing user data;
authentication modules [141, 111 & 151] configured to provide authentication access to service provider interface [103,104] to information requestor device [140], and user at the user device [150];
a virtual remote system [107]; and
information provider portal or website [109],
wherein the service provider web interface/ system is configured to receive request for data by the information requestor at its web portal or application programme interface [103],
wherein the service provider system is configured to communicate to the user an electronic message that provides access to service provider’s user interface [104],
wherein the service provider web interface [102], the information recipient and the user interface [104] are implemented by one or more computer implementable devices or workstations [140, 150] connected over a secured network,
characterized in that a virtual remote system [107] is temporarily created on the remote server [105] by the service provider to enable data submission by user and destroyed on updation of the service provider database, and wherein the user login credentials are not stored and accessed by the service provider system, and
wherein the virtual remote system comprises a temporary data storage module and a data retrieval module configured to securely download data on user access of the data from authorized data sources.

2. The computer implemented system for data aggregation for user assessment as claimed in claim 1, wherein the user submits data by uploading from the user interface [104], or accesses the information source web pages/ portals enabling download on the virtual remote system either manually or by download automatation.

3. The computer implemented system for data aggregation for user assessment as claimed in claim 1, wherein information requestor is selected from one or more of banks, credit bureaus, and government organizations and the like.

4. The computer implemented system for data aggregation for user assessment as claimed in claim 1, wherein the information providers portals [109] are portals are selected from one or more of government organizations, government taxing authority, Internal Revenue Service, the Social Security Administration, bank accounts and other non-public information sources and the like, subscribed to by the user.

5. The computer implemented system for data aggregation for user assessment as claimed in claim 1, wherein the user is automatically navigated to the information provider web page [109] for inputting the login credentials.

6. The computer implemented system for data aggregation for user assessment as claimed in claim 1, wherein the system is configured to remotely access the information provider’s webpage [109] on user login and disables user control of the data for downloading on the remote server.

7. The computer implemented system for data aggregation for user assessment as claimed in claim 1, wherein the virtual remote system [107] is for one time use for a single user and for a single access of the information provider’s webpage / portal [109].

8. A computer implemented system for data aggregation for user assessment as claimed in claim 1, wherein the information requestor is subscribed to the service provider.

9. A computer implemented system for data aggregation and management for user assessment as claimed in claim 1, wherein the information requestor is selected from a institution, a government institution, mortgage or broker agent, any banking or lending institution, insurance companies or any other agency authorized to request information from the user.

10. The computer implemented system for data aggregation and management for user assessment as claimed in claim 1, wherein the service provider sends an electronic message based user access link to the user to access the service provider’s user interface [104].

11. The computer implemented system for data aggregation and management for user assessment as claimed in claim 1, wherein the electronic message is selected from the group comprising of, email, instant message, and/or short message service (SMS) message.

12. The computer implemented system for data aggregation and management for user assessment as claimed in claim 1, wherein the access to the service provider’s portal or application programme interface through the electronic message is active for a pre-defined period of time.

13. The computer implemented system for data aggregation and management for user assessment as claimed in claim 1, wherein the service provider user interface [104] is a web enabled application programme interface (App) providing access to the user for manual or auto-download of user data from information sources website or portal.

14. A computer implemented system for user data generation to evaluate a prospective borrower as claimed in claim 1, wherein the remote server is a cloud based server or a server inside the service provider’s or information requestors data center.

15. A computer implemented system for data aggregation and management for user assessment as claimed in claim 1, wherein computer implementable devices or workstations is selected from a group consisting of: (a) a computer; (b) a laptop computer; (c) a PDA; and (d) any networkable interface device.

16. A computer implemented method for aggregating and management of user data for user assessment comprising of steps:
at an information recipient interface [103] of the service provider, receiving [201] a service request by the information requestor for user data at the service provider’s web portal or application programme interface [103];
processing of the order request by the service provider [202];
communicating [203] the order request by the service provider to the user via an access link through an electronic message;
accessing of the service provider’s user interface [204] by the user through the access link of the electronic message at the user device [150];
instantaneous creation of a temporary virtual remote system [205] by the service provider at the remote server for retrieving and downloading data;
automatic navigation of the user to the information provider website or web portal [206] on user accession;
accession of the information sources pages by the user using secured login credentials [207] and enabling either auto-download [208] by the service provider disabling user control or manual download by user [209];
auto-controlling of the user data on the data provider’s webpage [210] by the service provider in the auto-download mode and disabling of the user access to the web page ensuring non-interfering download at the remote server [105];
downloading of the data and notifying the user of the download status [211];
extracting the data in machine readable format [211];
transferring the download data to service provider database for extraction and analytics [212]; and
destroying the remote system on completion of the download [213];
characterized in that the downloaded data is stored in the virtual remote system [107] for a pre-determined period of time and destroyed on updation of the service provider data base and wherein the user access to the data sources website or webpage is confidential and user accession credentials for data source pages are not stored in the service provider application. , Description:FIELD OF INVENTION
The present invention relates generally to a system of data aggregation to assess a user, performed by a computer implemented method on an online network or environment. Particularly the invention relates to a service provider system enabled data aggregation, executed on receipt of a request from a client or data requestor or information requestor. The invention further relates to computer enabled system of data aggregation comprising a service provider system or application accessible by the information requestor at a client device, accessible by the user at a user device. Invention further relates to a temporary virtual remote system created instantaneously on a remote server upon user request to enable data downloading and aggregation and destroying of the virtual system on updation of the database with the user data.

BACKGROUND OF THE INVENTION
The present invention is in the area of network implemented information collection or aggregation through a computer implemented system and a method for data aggregation of user data by the service provider of the present invention which is subsequently used to assess the user by the information requestor. It pertains in particular to services and technology solutions provided by one enterprise, addressed herein as service provider that is the interface between one or more users and plurality of other enterprises, typically institutions or organizations or enterprises which need user data available at one or more private data sources on Information Provider portals / websites. The portals are accessed by the user. The information requestors comprises of financial institutions, insurance institutions, medical institutions, health enterprises, educational enterprises or any other organization that requires current, reliable and accurate user information to assess the user for risk or other assessment in the particular transaction involved.

The user data may be financial data pertaining to mutual funds, loans and repayment, debts, credit card information, insurance policies, health records and health data, educational data, or any other field. Financial services to the user in general are provided by banks, credit card companies, institutes involved in mortgage of property, real estate agencies, or any other financial institutions or organizations. People, typically in their day to day life, deal with different online services that involve transacting and obtaining services submission and storage of user data and reports to accomplish the transaction. For example, many people deal with different financial institutions every day. People have bank accounts, credit cards, mutual fund investments, equity holdings, loans, insurance policies, and other small scale investments. In the past, data was managed by physically visiting the organization or the institution or enterprise with which a given transaction is concerned. However, advent of the internet and accessibility of transactions on network enabled devices like computer or mobile phone and the availability of affordable bandwidth, online transactions with all kinds of institutions have become more popular.

These services provided by the aforesaid organizations, institutions or enterprises for e.g. financial institutions, such as banks or credit card companies, and mediated by account aggregators or service providers who aggregate and present user-specific information from one or more information sources or data providers through their respective portals like the insurance, income tax or GST to which the user is subscribed to.

The task of account aggregation involves obtaining information related to one or more accounts of a user with one or more information providers through the user access of the information provider portals and presenting the obtained information to the information requestor or the client pertaining to a particular institution or organization.

This specification describes technologies relating to automating the collection or aggregation of user data in a secure manner. The background art discloses patents in the field of data aggregation, and the existing drawbacks.

US8744946 relates to methods, systems and computer readable media for generating a financial score. In an embodiment, it discloses a method for generating a financial score comprises collecting and aggregating sets of data, estimating income paths based on the collected data, determining risk associated with the income path and generating a financial score. However the method is confined to the finance score generation, also the system holds a risk of data of the user that could be misused by the further client and it doesn’t completely safe guard user data.

US20030009418A1 discloses system includes a central server which receives requests for personal information relating to proposed borrowers, which in turn parses out similar requests relating to that borrower to information sources.

US20100083358A1 computer implemented method and system that securely aggregates and manages user related data in an online environment while maintaining privacy of a user but alongside stores the transformed access credentials locally on the client device. This may hamper the security of the user data.

The background art lacks in the fact that the system saves user credentials, keeping it open for misuse or fraud by any unauthorized user or person or an organization. Hence there is a need for a system and method for data aggregation from private information or data sources accessed by the user, wherein the user login credentials are completely controlled by the user and not stored in the systems of the service provider, and maintaining the integrity of user’s personal information or data.

OBJECTS OF INVENTION
One or more of the problems of the conventional prior art may be overcome by various embodiments of the present invention.

It is a primary object of the present invention to provide a computer implemented method and system for data aggregation of a user.

It is a primary object of the present invention to provide a computer implemented method and system that is executable on a physical device through an online portal or website or platform hosting the secured data through a virtual remote server and accessed using a web browser or a web interface.

It is another object of the present invention wherein the system and method are executed by a service provider interface between an information requestor and the user, whose data is being aggregated.

It is another object of the present invention to securely aggregate data from the information provider web portals which hosts the user information.

It is yet another object of the present invention to provide a computer implemented system consisting a virtual remote system on the remote server, where access to user data is confidential and minimizes fraud executing the data aggregation on a virtual remote system.

It is yet another object of the present invention to provide a computer implemented virtual remote system that is temporarily created on the remote server, and destroyed after data updation, to prevent data misuse and fraud.

It is another object of the present invention to provide a computer implemented system for data aggregation to provide raw or processed data to the data requestor or information recipient.

It is another object of the present invention to provide a computer implemented system for data aggregation wherein the user credentials are not accessed or stored by the service provider system and hence minimizes fraud and maintains confidentiality.

SUMMARY OF INVENTION
User data aggregation is defined as a process during which data is searched, gathered and presented in a report-based, summarized format to achieve specific business objectives or processes and conduct human analysis. Data aggregation finds application in diverse fields, pharmaceutical, finance, insurance, health, education, and politics, to discuss a few. For eg. In pharmaceutical industry drug development, clinical research, manufacturing and pharmaceutical marketing are driven by data aggregation and analytics. In health care industry, especially emergency medicine may demand patient health care data. In the finance industry there is data exchange between plurality of loan or finance providers, integrated to a single or multiple users. automated loan risk assessment system and method that comprises a mechanism for receiving information about a loan, and a mechanism for calculating a risk score for the loan based on a plurality of risk factors that are computed by the system or by a service provider based on the earlier transactions or behavior of the user at various data source platforms, like insurance, earlier loan provider, bank statements, income tax and other taxes, all these components are computed by accessing and aggregating user data. There is a need for a single platform which addresses the data aggregation, needs to be met over a plethora of fields. The present invention discloses a service provider network based platform to address these needs.

Thus according to the basic aspect of the present invention there is provided a computer implemented system and method for user data aggregation. In one embodiment of the present invention is disclosed the computer implemented system which comprises: a service provider web interface or system [102] comprising an information recipient or requestor interface [103] at a computer implementable device of information requestor [140] to provide service request and a user interface [104] at the user device [150] enabling the user to initiate data collection;
a remote server comprising a data storage module or memory and configured to provide authentication access to the user by the service provider; and including
a virtual remote system, one or more remote processors and a computer based memory
wherein the service provider web interface/ system is configured to receive service request for data by the information requestor at its web portal or application programme interface accessed at the information requestor device,
wherein the service provider system is configured to communicate to the user an electronic message of the service request and access to service providers web portal or application programme interface [104],
wherein the service provider web interface [102], is accessed by the information requestor at the device [140] and the user interface [104] is implemented by one or more computer implementable devices or workstations [150],
wherein the user accesses the service provider portal on providing secure login credentials for authentication [151],
wherein a virtual remote system [107] is temporarily created on the remote server by the service provider on accession of the service provider portal by the user to enable data submission by user and destroyed on updation of the service provider database, and
wherein the virtual remote system comprises a temporary data storage module and a data retrieval module configured to securely download data on user access of the data from authorized data sources.

The service provider web interface can be accessed by the information requestor on any computer implemented device or workstation online through a network communication e.g. internet. Application programme interface of the service provider can be accessed on any computer or handheld device, i.e. any personal computer, personal digital assistant (PDA), smart phone, laptops, desktops or tablets.

The specification herein describes a computer implemented method and system for user data aggregation, for any application across diverse industry requirements as discussed above. Data aggregation encompasses data acquisition, data storage, data extraction, data analysis and report generation. The system for data aggregation generally requires an entity that is an information requestor requiring user data for assessment of the user, fulfilled by the service provider, of a preferred embodiment of the present invention. The service request from an information requestor is submitted through a web interface at a computer implemented device at information requestor end on the device through a communication network for e.g. the internet. The request is submitted to the service provider by accessing the service provider’s portal on any computer implemented device, and posting the request. The request is provided by the requestor who is subscribed to the services of the service provider. Using authentication credentials provided to the information requestor by the service provider the information requestor logs in by keying in the login credentials for authentication and provides the data request. This request is accessed by the service provider. The service provider being the interface between the user and the information requestor, sends an electronic message, with the service request details of the information requestor. The service request is communicated as a link through an electronic message to the user. The electronic message is selected form an email, SMS or instant message. The user now uses the electronic message to access the link which is a unique link by the service provider, and this link is accessed by the user to login to the service provider portal either on a workstation, personal computer or in an application programme interface or application that is downloaded by the user on the user’s device, wherein the access to the service provider’s portal or API through the electronic message is active for a pre-defined period of time, and is inactive when the period expires. The login is enabled by an authentication module executed by the service provider user interface. The authentication of the user is accomplished by the accession of the secured link sent by the service provider. On successful authentication the user is navigated to the information provider’s web portal.
The service provider interface comprises a remote server, preferably a cloud server, a processor with a memory and storage configured to temporarily download and store user data, and virtual remote systems. The service provider interface of the present invention is unique in a way that the virtual remote system is created on the remote server, instantaneously after the user requests accesses to the information provider portal or website and is automatically navigated by the service provider interface to the login page of the information provider web page or portal where the user on keying in of the login credentials initiates the data download process. The virtual system hosts the user navigated page on the website or webpage. The service provider system of the present invention either takes control of the pages or downloads relevant information by disabling the user control and this corresponds to an auto-download mode; the user can choose to manually download the data and relevant documents and upload to the virtual remote system. On successful downloading of the data by the service provider application the user is notified and the remote system is destroyed after the database is updated for the specific user. On the login by subsequent user, from any other application, no history or data of the previous user is available hence this unique mechanism of an embodiment of the present invention minimizes the chances of fraud or fraudulent access to user data by any other unauthorized user or entity.

BRIEF DESCRIPTION OF THE DRAWINGS
Embodiments of the invention are illustrated in the figures of the accompanying drawings which are meant to be exemplary and not limiting, in which like references are intended to refer to like or corresponding parts, and in which:
FIG. 1 illustrates a block diagram of a system for aggregating user data according to one embodiment of the present invention;
FIG. 2 illustrates a flow chart of the method for processing user data online according to one embodiment of the present invention;

DETAILED DESCRIPTION OF THE INVENTION
The present invention as discussed herein relates to a computer implemented system and method for data aggregation.
Definitions:
The terms information requestor or information recipient or data requestor or data recipient or client are used interchangeably or synonymous to one another in the present invention. The terms “user” refers to a person to whom the information or data pertains to. The term “service provider” illustrates a party or entity providing the technology enabled solution for the secure online data aggregation. The term “information provider” as in the embodiments of the given specification refers to an organization owning or managing portal that hosts the user data or information.
Information requestor is any institution or organization or an enterprise playing the role of an information requestor from any fields like banking & finance, insurance, health, education, and politics and so on. These organizations are subscribed to the service provider and are authorized to access user data, for a given transaction and represent the information requestor according to an embodiment of the present invention. The information requestor is the information recipient or requestor, and the information here pertains to the user data that is accessed by a service provider of the present invention. The service provider of the present invention is the interface between the data requestor, user and the information provider. According to an embodiment of the present invention the user. The user according to one embodiment of the present invention is a person or an organization, or a partnership firm or any other enterprise that has one or more accounts with the information requestor or subscribes to the information requestor for a particular transaction or service, whose data is required by the data requestor or the information recipient to accomplish a particular transaction with the user. In a preferred embodiment the information requestor or client requests user data from the service provider and the specification describes the method of data aggregation by the service provider to access user data.
The service provider as described in embodiments of the present invention is the interface between both the parties in the transaction which comprises acquiring of user data from an information provider when accessed by the user and downloading communicating, processing and sharing it with the information requestor.

Preferred embodiments of the present invention refers to information provider organizations as selected from one or more of government organizations, government taxing authority like Income tax, Goods and Service tax, Provident Fund, health organizations, government educational organizations, Banking and financial institutions, Administration and the like, subscribed to by the user. These information providers are web portals which host the user data.

Service request is synonymously used with order request. The term data requestor is used synonymously with information requestor or information recipient or client. The usage of term "information" refers to data or information refers to user data or user information

Computer implemented devices of the user [150] and the information requestor [140] as disclosed in embodiments of the present invention are any one of hardware devices, or suitable processing device that is selected form one or more of computer, mobile device or any computer implementable device that communicates with the service provider system or application via a network. Some examples of user devices include computers, tablets, mobile devices, or any computer implemented device or PDA.

The computer implemented system as in reference to Figure 1 illustrates block diagram of the computer implemented system for data aggregation for user assessment comprising service provider system or application [102] that is accessed at an information requestor interface [103] on the information requestor device [140] to provide service request or order request and a user interface [104] enabling the user to submit data by accessing the service provider web interface at the user device [150]. The information requestor interface is a graphic user interface to access the service provider web portal or application programme interface [103] from the computing device [140]. At the information requestor device [140] - the web-portal or the application programming interface or application of the service provider [103] is accessed through a network.

According to one embodiment of the present invention the information requestor device [140] is enabled to provide communication between the client and the service provider system or application through a network. The user communicates through a network to the service provider application or system [102] through a network at the user interface [104] which is preferably a graphic user interface of the user device [150].

In a preferred embodiment and as illustrated in Figure 1 the service provider system or application [102] further comprises a remote server [105] comprising a data storage module or a computer based memory [106] configured to store the downloaded user information. It also comprises an authentication module [111] that is configured to provide authentication access to the user by the service provider, for accessing the information provider web portal or website [109] which hosts the user information. The service provider system also comprises a virtual remote system [107], one or more remote processors [110] and a memory [106]. The service provider application is accessed by the information requestor at a device [140] and the user interface [103] is implemented by one or more computer implementable devices or workstations.

A preferred embodiment of the present invention provides secure environment for both the information requestor and user for accession to the service provider system [102]. The system is unique in that the service provider has no access to save or store the authentication or login credentials of the user for the information provider portals / websites. The authentication modules at the service provider interfaces [103, 104] ascertain the secure authentication of the information requestor and the user to its web portals.

Information requestor authentication [141] occurs at the service provider interface [103] at the client device [140], user authentication [151] at service provider portal access [104] occurs at user device [150] and an automatic authentication on the remote server to authenticate [111] access to the information provider web portal or website [109] is implemented by the system.

The information requestor of the present invention is authorized to request user data to enable a cause or transaction and access them based on user consent. These information requestors are approached by the user for a particular service or transaction. The information requestor requests the service of the service provider by accessing the service provider system or application [102]. The request by the information requestor is an authentication based access of the client to the service provider web portal [103] at the information requestor device (140) by the authentication module [141]. This is the initiation step of the data aggregation process. The authentication of the information requestor [141] is accomplished by providing the requisite login credentials of the requestor at the service provider web portal.

The user accesses the service provider through an interface [104] provided by the service provider’s remote server [105] at the user device [150]. In some implementations the user interface is presented in web browser by the service provider remote server [105]. The service provider application or system [102] in a preferred embodiment comprises a computer based memory [106], or database that may be any database to store data. The database includes a computer readable medium or any physical device with instructions stored or internal memory within the computing systems. The remote server [105] is any type of server with a processor [110], and capable of receiving computer program instructions and able to process input/ output and read and write operations.

According to another embodiment of the present invention the remote server comprises an authentication module [111]. The service request of the information requestor presented at the information requestor device [140] is communicated to the user by an electronic message. Access to the electronic message by the user at the service provider user interface [104] is authentication based login by user to the unique link sent by the service provider to access the service provider portal at the user device. The user accesses by providing login credentials of the user at the service provider web portal. The authentication [151] is unique as the user is not required to share the login credentials with the service provider system [102] implemented by the authentication modules.

The authentication module [111] of the remote server aids the access of the user to the information provider portal [109]. Functional units described in this specification having specific functionality have been labeled as modules, in order to more particularly emphasize their implementation independence. Modules may be implemented in software for execution by various types of processors. Modules are implemented by computer instructions or codes, for e.g. the authentication module when executed herein communicates the authentication link to the user at the user device on the service provider application, and the user can access the application after successful authentication using login credentials i.e. login id and password.

A computerized system of an embodiment of the invention comprises computer executable instructions that when executed by a programmable processor causes execution of a method for performing the data aggregation process. Figure 2 illustrates a block diagram for the process of data aggregation by the service provider system executed at the server. An embodiment of the present invention discloses the key components of the data aggregation process. The user is the person or entity of whom the data pertains to. The information requestor and user are subscribed to the service provider. The information requestor is entitled to request user information or data from the service provider and the service provider is the interface between both the parties in the transaction which comprises acquiring of user data from an information provider when accessed by the user and downloading and communicating or sharing it with the information requestor.

In any transaction the process according to embodiments of the present invention comprises the service provider application [102], receiving [201] a service request by the information requestor [140] for user data at the service provider’s web portal or application programme interface [103]. The request is provided at service provider web portal or the application programme interface on client device [140], by using authentication credentials of the information requestor [141] e.g. login id and password. The service request is processed by the service provider [202] at the service provider system [102]. The request is communicated to the user for access to user data [203], user herein is any enterprise, or individual or a partnership or a limited company that has data at data source websites. The request is shared with the user by providing access link or a unique link through an electronic message. The authentication module in the service provider user interface [104] is executed by computer executable instructions in the service provider system, which when executed sends an authentication and access link to the user [151]. This authentication is an internet based method for the user to connect to the service provider’s portal via a secured network [204]. The link is a form of an alert sent through e-mail, or SMS or any form of an electronic message. Authentication means is by keying in the password that is sent via the electronic message, keying in the password gives the user access to the user end portal or the user interface for the service provider’s portal. The email and the password are amenable to be shared by the user to any authorized personnel, or institution or organization authorized by the user to access and execute the data aggregation process on behalf of the user. The link and the authentication module are time limited or active for a predefined period of time. On expiry of the said period the link and password automatically expires, disabling the user any subsequent access. Further access can be availed on reissuing of the entire authentication process by the service provider application or system.
E.g. the user can share the electronic message to any charted accountant or the law firm managing the user accounts. The service provider system of the present invention maintains total confidentiality of user credentials as the credentials are keyed in by the user or his representative or person authorized directly on the information provider website / portal and the service provider has no access to any of the user authentication credentials throughout the process of the data aggregation, thus ensuring total privacy and confidentiality and enablement of minimum fraud by access to any third party or person.

In another preferred embodiment of the present invention as illustrated in figure 2, the user [150] accesses the service provider user interface [104] by using the authentication credentials sent in the electronic message [204], on which the user is navigated to the service provider’s remote server [105 and 206] and onwards through the instantly created virtual remote system [107] to the information provider’s or information source page on the service provider portal [205]. User is required to commit to terms and conditions set forth by the service provider [104] before being navigated to the virtual remote desktop and onwards to the information download page. As the user is navigated to the information provider’s download page [207] on accepting the terms and conditions, the service provider user inteface [104] creates a temporary virtual remote system [107] on the remote server [105]. One embodiment of the invention exemplifies the remote server as a cloud based server. The virtual remote system is created by the following steps:
a. Checking in the database the list of Remote servers that are configured.
b. Finding the Remote server where there is spare capacity to create a new remote system
c. Using a round robin model, choose a remote host, where the virtual remote system needs to be created for this order.
d. The service provider application logs into the remote host selected and creates a container (docker) based virtual remote system.
e. The container (docker) based remote system consists of
• core Linux (Ubuntu) along with associated dependencies
• Windowing System X Windows
• Remote Access Server– X11VNC
• Client to Access the remote system through the web – NoVNC
• Proprietary software of the service provider is used to download data from the website

In a preferred embodiment of the present invention, on accession of the download page by the user [150] a temporary virtual remote system is instantaneously created [205] by the service provider system or application on the remote server [105]. The remote server is preferably a cloud server. User is thus navigated to the virtual remote system [107] in the remote server [105], and is required to provide accession credentials [207] of the information source webpage. The accession credentials are login credentials eg. User login ID and password. The service provider system or application has the capability of providing the user, user support or customer support by accession to the remote system in view only mode. On user login to the information provider webpage / portal, the service provider system takes control and navigates through the various pages and downloads relevant information, The data download can be accomplished either by the service provider system in auto-download mode, [208] wherein, the service provider system disables the keyboard and mouse thus disabling the user without any interference in the download process and the application downloads the data. In the auto download mode upon the user accession of the information provider web page, the service provider system gains total control of the system until the data is downloaded [210]. User keypad and mouse are disabled to cause incessant download of the data, and user is provided a visualization of the process occurring. The download can also be viewed by the customer service representative of the service provider. Else the user may choose to use the manual download mode to manually download and upload the data at the remote server [209]. The data is downloaded in machine readable format and notified to the user [211]. The downloaded data is stored in the remote system for a pre-determined period of time and destroyed on updation of the service provider data base [212]. A preferred embodiment of the present invention is creation of the virtual remote system instantaneously on the remote server when the user logs in the information provider’s webpages, and subsequent destroying of the remote server on completion of the download [213]. During the process the user access to the information provider website or webpage using the user login credentials is confidential and user accession credentials for data source pages are not stored in the service provider application, providing total security. The User has a choice to view the downloaded of documents or exit. The system renders encrypted upload and download of the data ensuring minimum possibility of fraud.
Advantages of the present invention:
a. Significantly improves Digital Document Collection process for the Data Requestor while retaining control of the data / documents downloaded/uploaded.
b. Reduces/Eliminates possibility of fraud.
c. Ensures integrity and confidentiality of data / documents through encrypted upload/download and transmission.
d. Quick & easy way to share the documents / files with Data Requestor