Technique for customizing electronic commerce user

• US 20040088235A1
• Filed: 11/01/2002
• Published: 05/06/2004
• Est. Priority Date: 11/01/2002
• Status: Abandoned Application

• Current Assignee: Checkfree Corporation (Fiserv Incorporated)
• Original Assignee: Checkfree Corporation (Fiserv Incorporated)
• Inventors: Williams, Donovan H., Ziekle, William D., Odom, David L., Mercado, Ian A., Zito, Sean J., Wood, Jeff A., Webber, Cathy E., McCoy, Randal A., Frech, John J.
• Application Number:
  US10/285,691
• Publication Number:
  US 20040088235A1
• Time in Patent Office: Days
• US Class Current: 705/34
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

A technique for tailoring electronic commerce user interfaces for a consumer dependent upon from which of multiple electronic commerce sites the consumer requests access to an electronic commerce service is provided. A first consumer request for an electronic commerce service is received by an electronic commerce service provider from a first site. This first request includes both a consumer identifier and a site identifier. The identity of a first entity on whose behalf the electronic commerce service is provided by the service provider is determined based upon the site identifier. A first unique user interface is then selected dependent upon the site from which the first request is received. A second consumer request is received for the service from a second site. This second request includes the same consumer identifier and a different site identifier. The identity of a second entity on whose behalf the service provider provides the electronic commerce service is determined based upon the site identifier. A second unique user interface is then selected based upon the second site.

Claims

1. A method for selecting an electronic commerce interface, comprising:

receiving, by an electronic commerce service provider, a first consumer request for a first electronic commerce service of a plurality of electronic commerce services provided by the electronic commerce service provider, the first consumer request received from a first of a plurality of entities on whose behalf the electronic commerce service provider provides one or more of the plurality of electronic commerce services, the received first consumer request including a consumer identifier and a first entity identifier associated with the first entity;

identifying the first entity based upon the received first entity identifier;

selecting a first of a plurality of electronic commerce interfaces based upon the identity of the first entity and the first electronic commerce service, each of the plurality of electronic commerce interfaces being associated with a respective one of the plurality of entities;

receiving, by the electronic commerce service provider, a second consumer request for a second of the plurality of electronic commerce services, the second request received from a second of the plurality of entities and including the consumer identifier and a second entity identifier associated with a second of the plurality of entities;

identifying the second entity based upon the received second entity identifier; and

selecting a second of the plurality of electronic commerce interfaces based upon the identity of the second entity and the second electronic commerce service.

2. The method of claim 1, wherein:

the first electronic commerce interface includes branding information associating the first electronic commerce interface with the first entity and not the electronic commerce service provider; and

the second electronic commerce interface includes branding information associating the second electronic commerce interface with the second entity and not the electronic commerce service provider.

3. The method of claim 1, wherein the second electronic commerce service is the same as the first electronic commerce service.

4. The method of claim 1, wherein:

the consumer identifier identifies the consumer as being an enrolled customer of the electronic commerce service provider; and

any of the plurality of electronic commerce services provided on behalf of the plurality of entities are provided to only enrolled customers of the electronic commerce service provider.

5. The method of claim 1, wherein:

the first consumer request excludes any consumer supplied information identifying the first entity;

the second consumer request excludes any consumer supplied information identifying the second entity;

the first entity causes the first entity identifier to be included in the first consumer request; and

the second entity causes the second entity identifier to be included in the second consumer request.

6. The method of claim 1, wherein:

the first electronic commerce interface is associated with at least a first attribute; and

the second electronic commerce interface is associated with at least a second attribute different than the first attribute.

7. The method of claim 6, wherein at least one of the first attribute and the second attribute is not dependent upon an identity of the consumer.

8. The method of claim 6, wherein:

at least one of the first electronic commerce interface and the second electronic commerce interface is associated with an electronic bill presentment service;

if the first electronic commerce interface is associated with the electronic bill presentment service, the first attribute is associated with one or more of a plurality of presentment attributes, including at least one of the identity of electronic billers whose bills are available by electronic presentment to the consumer via the first electronic commerce interface and an amount of bill related information available to the consumer via the first electronic commerce interface; and

if the second electronic commerce interface is associated with the electronic bill presentment service, the second attribute is associated with one or more of a plurality of presentment attributes, including at least one of the identity of electronic billers whose bills are available by electronic presentment to the consumer via the second electronic commerce interface and an amount of bill related information available to the consumer via the second electronic commerce interface.

9. The method of claim 6, wherein:

at least one of the first electronic commerce interface and the second electronic commerce interface is associated with a payment service;

if the first electronic commerce interface is associated with the payment service, the first attribute is determined based upon the first entity identifier and is associated with one or more of a plurality of payment attributes, including at least one of a) the identity of payees who are available to be paid via the first electronic commerce interface, b) the availability of information associated with a payment history of the consumer via the first electronic commerce interface, c) one or more thresholds associated with a payment amount of any payment request submitted by the consumer via the first electronic commerce interface, and d) one or more thresholds associated with a frequency of payment requests submitted by the consumer via the first electronic commerce interface; and

if the second electronic commerce interface is associated with the payment service, the second attribute is determined based upon the second entity identifier and is associated with one or more of a plurality of payment attributes, including at least one of a) the identity of payees who are available to be paid via the second electronic commerce interface, b) the availability of information associated with a payment history of the consumer via the second electronic commerce interface, c) one or more thresholds associated with a payment amount of any payment request submitted by the consumer via the second electronic commerce interface, and d) one or more thresholds associated with a frequency of payment requests submitted by the consumer via the second electronic commerce interface.

10. The method of claim 6, wherein:

the first attribute identifies those of the plurality of electronic commerce services, including at least the first electronic commerce service, available to the consumer via the first electronic commerce interface; and

the second attribute identifies those of the plurality of electronic commerce services, including at least the second electronic commerce service, available to the consumer via the second electronic commerce interface.

11. The method of claim 1, further comprising:

storing information associated with the received first consumer request; and

storing information associated with the received second consumer request;

wherein the stored information associated with the received first consumer request includes at least one of the identity of the first entity and information identifying the first electronic commerce service; and

wherein the stored information associated with the received second consumer request includes at least one of the identity of the second entity and information identifying the second electronic commerce service.

12. The method of claim 1, wherein:

the first electronic commerce service is a payment service;

the second electronic commerce service is the payment service;

the first electronic commerce interface is a first payment interface identifying only the first entity and excluding any information identifying the electronic commerce service provider;

the second electronic commerce interface is a second payment interface identifying only the second entity and excluding any information identifying the electronic commerce service provider;

payment to only the first entity is available to the consumer via the first payment interface; and

payment to only the second entity is available to the consumer via the second payment interface.

13. A system for selecting an electronic commerce interface, comprising:

an electronic commerce service provider communications interface configured to receive a first consumer request for a first electronic commerce service of a plurality of electronic commerce services, the first consumer request received from a first of a plurality of entities on whose behalf the electronic commerce service provider provides one or more of the plurality of electronic commerce services, the received first consumer request including a consumer identifier and a first entity identifier associated with the first entity, and to receive a second consumer request for a second of the plurality of electronic commerce services, the second consumer request received from a second of the plurality of entities and including the consumer identifier and a second entity identifier associated with the second entity; and

an electronic commerce service provider processor configured to identify the first entity based upon the received first entity identifier, to select a first of a plurality of electronic commerce interfaces based upon the identity of the first entity and the first electronic commerce service, each of the plurality of electronic commerce interfaces being associated with a respective one of the plurality of entities, to identify the second entity based upon the received second entity identifier, and to select a second of the plurality of electronic commerce interfaces based upon the identity of the second entity and the second electronic commerce service;

wherein the consumer identifier identifies the consumer as being an enrolled customer of the electronic commerce service provider; and

wherein any of the plurality of electronic commerce services provided on behalf of the plurality of entities are provided to only enrolled customers of the electronic commerce service provider; and

the first electronic commerce service is one of the same as the second electronic commerce service and different than the second electronic commerce service.

14. The system of claim 13, wherein:

the first electronic commerce interface includes branding information associating the first electronic commerce interface with the first entity and not the electronic commerce service provider; and

the second electronic commerce interface includes branding information associating the second electronic commerce interface with the second entity and not the electronic commerce service provider.

15. The system of claim 13,

the first consumer request excludes any consumer supplied information identifying the first entity;

the second consumer request excludes any consumer supplied information identifying the second entity;

the first entity causes the first entity identifier to be included in the first consumer request; and

the second entity causes the second entity identifier to be included in the second consumer request.

16. The system of claim 13, wherein:

the first electronic commerce interface is associated with at least a first attribute; and

the second electronic commerce interface is associated with at least a second attribute different than the first attribute.

17. The system of claim 16, wherein:

at least one of the first electronic commerce interface and the second electronic commerce interface is associated with an electronic bill presentment service;

if the first electronic commerce interface is associated,with the electronic bill presentment service, the first attribute is associated with at least one of the identity of electronic billers whose bills are available by electronic presentment to the consumer via the first electronic commerce interface and an amount of bill related information available to the consumer via the first electronic commerce interface; and

if the second electronic commerce interface is associated with the electronic bill presentment service, the second attribute is associated with at least one of the identify whose bills are available by electronic presentment to the consumer via the second electronic commerce interface and an amount of bill related information available to the consumer via the second electronic commerce interface.

18. The system of claim 16, wherein:

at least one of the first electronic commerce interface and the second electronic commerce interface is associated with a payment service;

if the first electronic commerce interface is associated with the payment service, the first attribute is associated with at least one of a) the identity of payees who are available to be paid via the first electronic commerce interface, b) the availability of information associated with a payment history of the consumer via the first electronic commerce interface, c) one or more thresholds associated with a payment amount of any payment request submitted by the consumer via the first electronic commerce interface, and d) one or more thresholds associated with a frequency of payment requests submitted by the consumer via the first electronic commerce interface; and

if the second electronic commerce interface is associated with the payment service, the second attribute is associated with at least one of a) the identity of payees who are available to be paid via the second electronic commerce interface, b) the availability of information associated with a payment history of the consumer via the second electronic commerce interface, c) one or more thresholds associated with a payment amount of any payment request submitted by the consumer via the second electronic commerce interface, and d) one or more thresholds associated with a frequency of payment requests submitted by the consumer via the second electronic commerce interface.

19. The system of claim 16, wherein:

the first attribute identifies those of the plurality of electronic commerce services, including at least the first electronic commerce service, available to the consumer via the first electronic commerce interface; and

the second attribute identifies those of the plurality of electronic commerce services, including at least the second electronic commerce service, available to the consumer via the second electronic commerce interface.

20. The system of claim 13, further comprising:

a memory configured to store information associated with received consumer requests;

wherein the processor is further configured to cause information associated with the received first consumer request to be stored in the memory and to cause information associated with the received second consumer request to be stored in the memory;

wherein the stored information associated with the received first consumer request includes at least one of the identity of the first entity and information identifying the first electronic commerce service; and

wherein the stored information associated with the received second consumer request includes at least one of the identity of the second entity and information identifying the second electronic commerce service.