System for providing an online account statement having hyperlinks

• US 20040162778A1
• Filed: 02/14/2003
• Published: 08/19/2004
• Est. Priority Date: 02/20/2002
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Tavormina, Peter A., Wagner, William W., Kramer, Kevin L., Mathur, Sunil, Wren, Kevin P., Boettger, Thomas E.
• Granted Patent: US 8,620,757 B2
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

A computer system including at least one computer-readable medium has software to provide online account statements for accounts of customers of a company. The at least one computer-readable medium includes: a transaction database comprising a transaction history for an account of a customer of the company; a merchant database comprising variations of merchant names for merchants; software to compare the merchant name of the transaction entry of the transaction history from the transaction database with the variations of merchant names from the merchant database; software to provide a hyperlinked special offer indicia if a match occurs between the merchant name from the transaction database and one of the variations of merchant names from the merchant database; and software to provide an online account statement web page to the customer via the network.

Claims

1. A computer system comprising at least one computer-readable medium having software to provide online account statements for accounts of customers of a company, said at least one computer-readable medium comprising:

a transaction database comprising a transaction history for an account of a customer of said company, said transaction history comprising a transaction entry, said transaction entry comprising a merchant name for a merchant;

a merchant database comprising variations of merchant names for merchants;

software to compare said merchant name of said transaction entry of said transaction history from said transaction database with said variations of merchant names from said merchant database;

software to provide a hyperlinked special offer indicia if a match occurs between said merchant name from said transaction database and one of said variations of merchant names from said merchant database, said hyperlinked special offer indicia corresponding to a special offer based on said transaction entry; and

software to provide an online account statement web page to said customer via said network, said online account statement web page comprising said transaction history of said account of said customer, said transaction history comprising said transaction entry, said transaction entry comprising said merchant name and said hyperlinked special offer indicia.

2. A computer system as in claim 1, wherein said hyperlinked special offer indicia is adjacent to said merchant name in said transaction entry in said transaction history of said online account statement web page.

3. A computer system as in claim 1, wherein said hyperlinked special offer indicia is hyperlinked to a merchant web page, said merchant web page comprising second hyperlinked special offer indicia.

4. A computer system as in claim 3, wherein said merchant web page further comprises a description of said special offer.

5. A computer system as in claim 1, wherein said hyperlinked special offer indicia is hyperlinked to a merchant special offer web page comprising a description of said special offer.

6. A computer system as in claim 1, wherein said special offer is provided by said merchant.

7. A computer system as in claim 1, wherein said special offer is provided by a company different from said merchant.

8. A computer system as in claim 1, wherein said transaction history of said online account statement comprises a second transaction entry, said second transaction entry having second hyperlinked special offer indicia, said second hyperlinked special offer indicia corresponding to a second special offer different from said special offer.

9. A computer system as in claim 1, wherein said computer system further comprises:

software to provide said transaction entry as a hyperlinked transaction entry if said match occurs between said merchant name from said transaction database and one of said variations of merchant names from said merchant database.

10. A computer system as in claim 9, wherein said merchant name is a hyperlinked merchant name in said hyperlinked transaction entry.

11. A computer system as in claim 10, wherein said hyperlinked special offer indicia is adjacent to said hyperlinked merchant name in said hyperlinked transaction entry.

12. A computer system as in claim 1, wherein said online account statement is for a credit card of said customer.

13. A method for providing online account statements for accounts of customers of a company, comprising the steps of:

maintaining a transaction database comprising a transaction history for an account of a customer of said company, said transaction history comprising a transaction entry, said transaction entry comprising a merchant name for a merchant;

maintaining a merchant database comprising variations of merchant names for merchants;

comparing said merchant name of said transaction entry of said transaction history from said transaction database with said variations of merchant names from said merchant database;

providing a hyperlinked special offer indicia if a match occurs between said merchant name from said transaction database and one of said variations of merchant names from said merchant database, said hyperlinked special offer indicia corresponding to a special offer based on said transaction entry; and

providing an online account statement web page to said customer via said network, said online account statement web page comprising said transaction history of said account of said customer, said transaction history comprising said transaction entry, said transaction entry comprising said merchant name and said hyperlinked special offer indicia.

14. A computer system comprising at least one computer-readable medium having software to perform the method of claim 13.

15. A computer-readable medium having software to perform the method of claim 13.

16. A method for providing an online account statement for an account of a customer of a company, comprising the steps of:

receiving a request via a network to provide said online account statement for said account of said customer of said company;

providing an online account statement web page via said network, said online account statement web page comprising a transaction history of said account of said customer, said transaction history comprising a transaction entry, said transaction entry comprising a merchant name and a hyperlinked special offer indicia, said hyperlinked special offer indicia corresponding to a special offer based on said transaction entry.

17. A method as in claim 16, further comprising the steps of:

receiving a request via said network in response to said hyperlinked special offer indicia being selected to provide a merchant web page;

providing said merchant web page via said network, said merchant web page comprising second hyperlinked special offer indicia corresponding to said hyperlinked special offer indicia.

18. A method as in claim 16, wherein said merchant web page further comprises a description of said special offer.

19. A method as in claim 16, wherein said merchant web page further comprises a third hyperlinked special offer indicia corresponding to a second special offer different from said special offer.

20. A method for receiving an online account statement for an account of a customer of a company, comprising the steps of:

providing a request via a network to receive said online account statement for said account of said customer of said company;

receiving an online account statement web page via said network, said online account statement web page comprising a transaction history of said account of said customer, said transaction history comprising a transaction entry, said transaction entry comprising a merchant name and a hyperlinked special offer indicia, said hyperlinked special offer indicia corresponding to a special offer based on said transaction entry.