System and method for web access to financial data

• US 20040225603A1
• Filed: 06/27/2003
• Published: 11/11/2004
• Est. Priority Date: 05/06/2003
• Status: Active Grant

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC), Kabushiki Kaisha Toshiba (Toshiba Corporation)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Hanevich, Norm, Parks, Daniel, Sheehan, Ken, Hagan, Sean, Nicholls, Andy, Kabrud, Cheryl, Williams, Tony, Callahan, Pat, Allen, Laurie, Babcock, Dave, Rowley, Brenda, Atkins, Steve, James, Greg, Serrano, Elias
• Granted Patent: US 7,647,257 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 30/0235 constrained by time limit or expiration date
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• 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 40/12 Accounting

Abstract

A web application that enables access to a client'"'"'s specific account transaction detail. The charge transaction detail can include anything related to charge or credit card transactions including travel transaction detail, corporate card detail and corporate purchasing card detail. The transaction detail can be captured from many sources and can include third party data. The clients can use a web application and web page to access the account data and create report views of the information. The system can also includes a create a report capability, which allows users to add filters and data elements to an existing report format and create a report specific to their needs and data.

Claims

1. A method for providing on-line financial account data to users, comprising:

receiving an on-line request from a user for account data;

retrieving data on-line from multiple sources to obtain the account data;

conditioning the account data for transmission to the user; and

sending the account data on-line to the user.

2. The method of claim 1 wherein:

the retrieving step includes retrieving the data from the multiple sources in disparate formats; and

the conditioning step includes converting the data from the disparate formats into a single format.

3. The method of claim 1, further including formatting the account data into a report.

4. The method of claim 1, further including:

receiving from the user a query associated with the request;

processing the retrieved data to extract the account data satisfying parameters of the query; and

sending the extracted account data on-line to the user.

5. The method of claim 4, further including formatting the extracted data into a report.

6. A method for a user to obtain on-line financial account data, comprising:

submitting an on-line request by the user for account data;

having data retrieved on-line from multiple sources to obtain the account data;

having the account data conditioned for transmission to the user; and

receiving the requested account data on-line.

7. The method of claim 6 wherein:

the retrieving step includes having the data retrieved from the multiple sources in disparate formats; and

the conditioning step includes having the data converted from the disparate formats into a single format.

8. The method of claim 6, further including receiving the account data formatted into a report.

9. The method of claim 6, further including:

submitting from the user a query associated with the request;

having the retrieved data processed to extract the account data satisfying parameters of the query; and

receiving the extracted account data on-line.

10. The method of claim 9, further including receiving the extracted data formatted into a report.

11. A system for providing on-line financial account data to users, comprising:

a module for receiving an on-line request from a user for account data;

a module for retrieving data on-line from multiple sources to obtain the account data;

a module for conditioning the account data for transmission to the user; and

a module for sending the account data on-line to the user.

12. A system for a user to obtain on-line financial account data, comprising:

a module for submitting an on-line request by the user for account data;

a module for having data retrieved on-line from multiple sources to obtain the account data;

a module for having the account data conditioned for transmission to the user; and

a module for receiving the requested account data on-line.