Non-Bypassable Disclosures in Electronic Transactions

• US 20090319922A1
• Filed: 06/19/2008
• Published: 12/24/2009
• Est. Priority Date: 06/19/2008
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Fridman, Alexandra, Nooka, Vinay Kumar, Smoot, Rebecca, Flemma, Robert J. JR., Tweddale, Mark T.
• Application Number:
  US12/142,345
• Publication Number:
  US 20090319922A1
• Time in Patent Office: Days
• US Class Current: 715/760
• CPC Class Codes: G06F 9/445 Program loading or initiating bootstrapping G06F9/4401; security arrangements for program loading or initiating G06F21/57

Abstract

Methods, software, and systems for ensuring that one or more pieces of information are presented as a “non-bypassable” manner and can be viewed as intended during an electronic transaction. For instance, where a required disclosure is provided in a pop-up window, it may be provided that the party receiving the disclosure may not complete the application until it is shown that the pop-up window content has fully loaded and thus available to the consumer to review as intended. The pop-up window content may itself include an instruction for determining when the content has been fully loaded. Upon the content being fully loaded, the pop-up window may send a call to the parent window indicating that the content has been fully loaded. In response to the call, the parent window may allow the application process to continue or complete. According to further aspects, it may be determined whether the consumer'"'"'s computer Internet browser is enabled for use with the call language (for example, JAVASCRIPT).

Claims

1. A computer-implemented method, comprising:

transmitting first information representing a first window, including a user-selectable visible element, to a client computer;

receiving an indication of a selection of the visible element; and

responsive to the selection, transmitting to the client computer second information representing a second window having content, the second information including computer-executable instructions for determining when the content has been received at the client computer.

2. The computer-implemented method of claim 1, wherein the first information comprises hypertext markup language (HTML) code representing the first window, and the second information comprises HTML code representing the second window.

3. The computer-implemented method of claim 1, wherein the computer-executable instructions includes a load confirmation instruction of a scripting language.

4. The computer-implemented method of claim 1, wherein the second window is a pop-up window.

5. The computer-implemented method of claim 1, wherein the computer-executable instructions are further for sending a call to the first window.

6. The computer-implemented method of claim 5, wherein the first information includes computer-executable instructions for modifying what is displayed in the first window responsive to receiving the call from the second window.

7. A computer-readable medium storing first computer-executable instructions for performing a method, the method comprising:

transmitting first information representing a first window, including a user-selectable visible element, to a client computer;

receiving an indication of a selection of the visible element; and

responsive to the selection, transmitting to the client computer second information representing a second window having content, the second information including second computer-executable instructions for determining when the content has been received at the client computer.

8. The computer-readable medium of claim 7, wherein the second computer-executable instructions are further for sending a call to the first window.

9. The computer-readable medium of claim 8, wherein the first information includes third computer-executable instructions for modifying what is displayed in the first window responsive to receiving the call from the second window.

10. A computer-readable medium storing computer-executable instructions for performing a method, the method comprising:

responsive to receiving a request from a client computer to open a universal resource locator (URL), redirecting the request to the URL including a parameter indicating that JAVASCRIPT is enabled;

responsive to the redirection failing, sending first content to the client computer;

responsive to the redirection occurring, sending second content different from the first content to the client computer.

11. The computer-readable medium of claim 10, wherein the second content includes a JAVASCRIPT command and the first content does not include a JAVASCRIPT command.

12. The computer-readable medium of claim 10, wherein the second content includes a JAVASCRIPT ONLOAD command.

13. The computer-readable medium of claim 10, wherein the first content defines a user-selectable visible element that is not included in the second content.

14. The computer-readable medium of claim 13, wherein the first content further includes computer-executable instructions for setting a cookie responsive to user selection of the visible element.

15. The computer-readable medium of claim 10, wherein the method further comprises sending third content including computer-executable instructions for displaying an element responsive to receiving a call from a window containing the first content or the second content.

16. A computer-implemented method, comprising:

responsive to receiving a request from a client computer to open a universal resource locator (URL), redirecting the request to the URL including a parameter indicating that JAVASCRIPT is enabled;

responsive to the redirection failing, sending first content to the client computer;

responsive to the redirection occurring, sending second content different from the first content to the client computer.

17. The computer-implemented method of claim 16, wherein the second content includes JAVASCRIPT code and the first content does not include JAVASCRIPT code.

18. The computer-implemented method of claim 16, wherein the second content includes a JAVASCRIPT ONLOAD command.

19. The computer-implemented method of claim 16, wherein the first content defines a user-selectable visible element that is not included in the second content.

20. The computer-implemented method of claim 16, wherein the first content further includes computer-executable instructions for setting a cookie responsive to user selection of the visible element.

21. A computer-implemented method, comprising:

displaying in a first window first web page content including a user-selectable first visible element;

responsive to user selection of the first visible element, displaying second web page content in a second window; and

the second window sending a call to the first window responsive to the second web page content being fully loaded.

22. The computer-implemented method of claim 21, further comprising modifying what is displayed in the first window responsive to the first window receiving the call.

23. The computer-implemented method of claim 21, wherein the first web page content further includes a user-selectable second visible element, the method further comprising:

responsive to user selection of the second visible element, displaying either third web page content or fourth web page content depending upon whether the first window has received the call.