System and methods for providing financial account information over a network

• US 10,140,634 B2
• Filed: 07/31/2017
• Issued: 11/27/2018
• Est. Priority Date: 08/09/2001
• Status: Expired due to Term

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Turner, Jonathan, Koeppel, Arthur
• Primary Examiner(s): Pond, Robert M
• Application Number:
  US15/665,113
• Publication Number:
  US 20180018720A1
• Time in Patent Office: 484 Days
• Field of Search: 705 26, 705 27
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/023 the neutral party being a clearing house
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G06Q 30/0282 Rating or review of business operators or products
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0611 Request for offers or quotes
• CPC Class Codes: G06Q 30/0621 Item configuration or customization
• CPC Class Codes: G06Q 30/0629 for generating comparisons
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00

Abstract

A system and method for providing financial account messages to customers while accessing web sites is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a financial account issuer to provide an application to customer'"'"'s computer system over a network. The application may be configured to provide various messages associated with the customer'"'"'s financial account provided by the financial account issuer while the customer browses web sites. The financial account messages may be configured to provide interactive and dynamically changing account status information based on attempted purchases of goods and/or services by the customer at merchants'"'"' web sites. The application may also be configured to provide rating information associated with web sites accessed by the customer.

Claims

1. A method for providing messages to a user located at a client system in a network while the client system is displaying in a window a web page associated with a web site provided by a web server, the method comprising:

determining that the user has registered the client system with a financial account issuer and elected to receive discount messages on the client system;

determining that the user is accessing the web site and has attempted to purchase an item offered by the web site;

determining, based on the user election and the attempt to purchase, that the web site is included in a list of web sites;

accessing, based on the accessed website being included in the list, account information for a financial account associated with the user provided by the financial account issuer;

providing a first message for display by the client system in the window after accessing the account information, wherein the first message includes an offer for a first purchase discount conditioned on the user purchasing the item from the accessed web site using the financial account;

providing a second message for display by the client system in the window, wherein the second message includes an offer for a second purchase discount conditioned on the user purchasing an item from an alternate web site from the list; and

receiving an indication from the client system that the item was purchased from the accessed web site using the first purchase discount.

2. The method of claim 1, wherein determining that the user is attempting to purchase the item offered the web site further comprises:

determining that the user has selected a trigger that indicates that the user is attempting to purchase the item offered by the web site.

3. The method of claim 1, further comprising:

analyzing a cost of the item offered by the web site against a financial account limit associated with the financial account;

determining whether a sum of the cost of the item offered by the web site and an outstanding balance of the financial account exceeds the financial account limit; and

providing a third message reflecting an offer to increase the financial account limit when the sum is above the financial account limit.

4. The method of claim 1, further comprising:

obtaining a financial account limit and an outstanding balance of a financial account associated with the user;

ranking the financial account based a current status of the account,

determining whether a sum of a cost of the item offered by the web site and the outstanding balance exceeds the financial account limit and

providing a third message notifying the user that the financial account limit will be exceeded if the item offered by the web site is purchased using the financial account.

5. The method of claim 1, wherein the first message reflects an indication that the financial account limit will be exceeded if the item offered by the web site is purchased using the financial account.

6. The method of claim 1, wherein the first message includes:

an indication that the financial account limit will be exceeded if the item offered by the web site is purchased, and an offer to increase the financial account limit.

7. The method of claim 1, wherein the steps of determining that the web site provided by the web server is included within a list of web sites and determining that the user is attempting to purchase an item from the web site are performed by an application located at the client system.

8. The method of claim 1, wherein the steps of determining that the web site provided by the web server is included within a list of web sites, determining that the user is attempting to purchase an item from the web site, and presenting are performed by an application located at the client system.

9. The method of claim 1, wherein the step of determining that the web site provided by the web server is included within a list of web sites is performed by an application located at the client system.

10. The method of claim 1, wherein the first message includes an indication reflecting a new outstanding balance associated with the financial account if the item offered by the web site is purchased with the financial account.

11. The method of claim 10, wherein the first message further includes an indication reflecting a number of payments at a determined amount that the user would have to make to a financial account issuer if the item offered by the web site is purchased with the financial account.

12. The method of claim 1, wherein the determined amount is selected by the user.

13. The method of claim 10, wherein the first message further includes an indication reflecting a payment amount that the user would periodically have to make to a financial account issuer to pay off the purchase price of the item offered by the web site.

14. The method of claim 1, wherein the first message includes:

an indication that a financial account limit will be exceeded if the item offered by the web site is purchased.

15. The method of claim 1, wherein the second message includes:

an indication that the item from the alternate web site from the list may be purchased for an amount lower than that offered by the web site.

16. The method of claim 1, further comprising:

obtaining account information associated with the financial account, wherein the account information includes at least one of an interest rate, finance fees, previous payment data, pending payment data, and previous purchases data.