System and methods for providing financial account information over a network

• US 20070112641A1
• Filed: 12/06/2006
• Published: 05/17/2007
• Est. Priority Date: 08/09/2001
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Financial Corporation
• Inventors: Turner, Jonathan, Koeppel, Arthur
• Granted Patent: US 7,962,373 B2
• Time in Patent Office: Days
• US Class Current: 705/26
• 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

1-29. -29. (canceled)

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

determining that the user is accessing the web site;

determining, when the user is accessing the web site, whether the web site is included in a list of web sites;

presenting a first message for display along with the web page if the web site is included in the list, wherein the first message includes an offer for a first purchase discount if the user purchases a first item from the web site using a financial account provided by a financial account issuer; and

presenting a second message for display along with the web page if the web site is not included in the list, wherein the second message includes an offer for a second purchase discount if the user purchases a second item at an alternate web site using the financial account.

31. The method of claim 30, wherein the first message includes account information associated with the financial account, and wherein the account information includes at least one of a financial account limit, outstanding balance, interest rate, finance fees, previous payment data, pending payment data, and previous purchases data.

32. The method of claim 31, wherein the first message includes adjusted account information based on a purchase price of the first item, wherein the adjusted account information includes at least a new outstanding balance reflecting the purchase price of the first item.

33. The method of claim 30, wherein the second message includes account information associated with the financial account, and wherein the account information includes at least one of a financial account limit, outstanding balance, interest rate, finance fees, previous payment data, pending payment data, and previous purchases data.

34. The method of claim 30, wherein the second message includes a hyperlink to the alternate web site.

35. The method of claim 30, wherein the method is performed by an application downloaded to the client system from the financial account issuer.

36-67. -67. (canceled)

68. A computer-readable medium including instructions for performing a method, when executed by a processor, for providing messages to a user located at a client system attached to a network while the client system is displaying a web page associated with a web site provided by a web server through the network, the method comprising:

determining that the user is accessing the web site;

determining, when the user is accessing the web site, whether the web site is included in a list of web sites;

presenting a first message for display along with the web page if the web site is included in the list, wherein the first message includes an offer for a first purchase discount if the user purchases a first item from the web site using a financial account provided by a financial account issuer; and

presenting a second message for display along with the web page if the web site is not included in the list, wherein the second message includes an offer for a second purchase discount if the user purchases a second item at an alternate web site using the financial account.

69. The computer-readable medium of claim 68, wherein the first message includes account information associated with the financial account, and wherein the account information includes at least one of a financial account limit, outstanding balance, interest rate, finance fees, previous payment data, pending payment data, and previous purchases data.

70. The computer-readable medium of claim 69, wherein the first message includes adjusted account information based on a purchase price of the first item, wherein the adjusted account information includes at least a new outstanding balance reflecting the purchase price of the first item.

71. The computer-readable medium of claim 68, wherein the second message includes account information associated with the financial account, and wherein the account information includes at least one of a financial account limit, outstanding balance, interest rate, finance fees, previous payment data, pending payment data, and previous purchases data.

72. The computer-readable medium of claim 68, wherein the second message includes a hyperlink to the alternate web site.

73. The computer-readable medium of claim 68, wherein the method is performed by an application downloaded to the client system from the financial account issuer.

74-103. -103. (canceled)

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

means for determining that the user is accessing the web site;

means for determining, when the user is accessing the web site, whether the web site is included in a list of web sites;

means for presenting a first message for display along with the web page if the web site is included in the list, wherein the first message includes an offer for a first purchase discount if the user purchases a first item from the web site using a financial account provided by a financial account issuer; and

means for presenting a second message for display along with the web page if the web site is not included in the list, wherein the second message includes an offer for a second purchase discount if the user purchases a second item at an alternate web site using the financial account.

105. The system of claim 104, wherein the first message includes account information associated with the financial account, and wherein the account information includes at least one of a financial account limit, outstanding balance, interest rate, finance fees, previous payment data, pending payment data, and previous purchases data.

106. The system of claim 105, wherein the first message includes adjusted account information based on a purchase price of the first item, wherein the adjusted account information includes at least a new outstanding balance reflecting the purchase price of the first item.

107. The system of claim 104, wherein the second message includes account information associated with the financial account, and wherein the account information includes at least one of a financial account limit, outstanding balance, interest rate, finance fees, previous payment data, pending payment data, and previous purchases data.

108. The system of claim 104, wherein the second message includes a hyperlink to the alternate web site.

109. (canceled)