Multi-provider on-line communications system

• US 5,694,549 A
• Filed: 03/03/1994
• Issued: 12/02/1997
• Est. Priority Date: 03/03/1994
• Status: Expired due to Term

• Current Assignee: TD Ameritrade IP Company Incorporated (Charles Schwab Corporation)
• Original Assignee: Telescan, Inc. (Charles Schwab Corporation)
• Inventors: Carlin, Richard K., Frantz, Joseph F. II
• Primary Examiner(s): Geckil, Mehmet B.
• Application Number:
  US08/205,195
• Time in Patent Office: 1,370 Days
• Field of Search: 395/200, 395/800, 395/600, 395/200.2, 395/200.18, 395/200.09, 395/200.08, 395/333, 395/339, 395/352
• US Class Current: 709/250
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

An on-line communications service allows a plurality of service providers to provide services to respective groups of subscribers, with the on-line service from each provider being independent of the on-line service from other providers. The subscribers'"'"' access to features is maintained through service maps which are customized by the service provider interactively with the host computer. Upon log-on, the service map is downloaded to a subscriber'"'"'s computer and defines the services which can be accessed, the appearance of the user interface and navigation through the services. Data for each provider'"'"'s service is maintained separately from the data for other providers. Billing can be customized for each provider.

Claims

1. A method of remotely providing an on-line service on a host computer between a plurality of service-providers and a plurality of subscribers, comprising the steps of:

generating service maps for individual service providers, each service map capable of being remotely edited or updated by said individual service-provider, and wherein each of said service maps defines a set of features accessible to an associated subscriber group;

establishing a communications link between a host computer and a subscriber terminal;

associating the subscriber terminal with a service map of a particular service provider; and

allowing the subscriber to access the set of features defined by the service provider in its associated service map.

2. The method of claim 1, wherein said associating step comprises the step of receiving a subscriber identity code from the subscriber terminal and determining the associated service map responsive to the subscriber identity code.

3. The method of claim 1, further comprising the step of transmitting a menu for the associated service map from the host computer to the subscriber terminal.

4. The method of claim 3 wherein said allowing step comprises the step of generating a user interface responsive to said menu to display accessible features on said subscriber terminal responsive to the associated service map.

5. The method of claim 4 wherein said allowing step further comprises transmitting selection code information from the subscriber terminal to the host computer corresponding to a menu selection made by the subscriber.

6. The method of claim 5 wherein said step of generating service maps comprises the step of selecting features by a service provider from a list of available features provided by the host computer.

7. The method of claim 1, further comprising the step of transferring data from a first service provider to the host for storage by the host, and wherein the stored data is made available to subscribers associated with said first service provider.

8. The method of claim 7 further comprising the step of publishing a portion of the data to permit other service providers to access the data.

9. The method of claim 7, further comprising the step of transmitting a portion of said data from the host computer to the subscriber terminal based upon the suscriber selections on the associated service map.

10. A multi-provider on-line system comprising:

a host computer system for providing a plurality of on-line features;

a plurality of subscriber terminals;

a communications link between the host computer and said subscriber terminals;

a processor in said host system for orchestrating the transfer of data between the host computer system and the subscriber terminals;

an ID look-up table and subscriber control software for associating a subscriber terminal with a remotely defined provider service map establishing a predetermined set of said on-line features;

provider specific menu data maintained in said host computer system for providing on-line features to the subscriber terminal based upon subscriber selections from the associated service map.

11. The on-line service of claim 10 and further comprising system features and menu creation software for allowing providers to define unique service maps.

12. The on-line service of claim 11 wherein said host computer system includes a list of global features which can be included in the service map of any service provider.

13. The on-line service of claim 12 wherein said host computer further includes a list of private features owned by a service provider, which may be included only in the service map of the owning provider.

14. The on-line service of claim 13 wherein said host computer further includes a list of private features owned by a service provider which are published by the owning provider, and which are made accessible to other service providers.

15. The on-line service of claim 10 wherein said provider specific menu data stores data associated with the service map, and said processor transfers service menu information from said provider specific menu data to an associated subscriber terminal which generates a user menu interface on said subscriber terminal, such that only the features associated with the service map are accessible.

16. The on-line service of claim 15 further comprising billing structure data defined by the service provider for generating bills to associated subscribers.