System and methods for providing financial account information over a network

• US 7,962,373 B2
• Filed: 12/06/2006
• Issued: 06/14/2011
• 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
• Primary Examiner(s): DUNHAM, JASON B
• Application Number:
  US11/634,259
• Publication Number:
  US 20070112641A1
• Time in Patent Office: 1,651 Days
• Field of Search: 705/26, 705/27
• US Class Current: 705/26.1
• 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. A method for providing messages to a client system attached to a network, the client system configured to display web pages associated with web sites provided through the network, the method comprising:

determining, by a processor, a first web site accessed by the client system;

determining, by the processor, that the first web site is included in a list of web sites;

generating, by the processor, a first message for display, at the client system, along with a web page associated with the first web site, wherein the first message includes an offer for a first purchase discount for the user to purchase a first item from the web site using a financial account provided by a financial account issuer, wherein the first message includes a hyperlink such that the user can select the hyperlink to accept the offer;

determining, by the processor, a second web site accessed by the client system;

determining, by the processor, that the second web site is not included in the list of web sites; and

generating, by the processor, a second message for display, at the client system, along with a web page associated with the second web site, wherein the second message includes an offer for a second purchase discount for the user to purchase a second item at an alternate web site included in the list of web sites, using the financial account, wherein the second message includes a hyperlink to the alternate web site such that the user can select the hyperlink to the alternate web site to accept the offer.

2. The method of claim 1, 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.

3. The method of claim 2, 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.

4. The method of claim 1, 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.

5. The method of claim 1, wherein the method is performed by software downloaded to the client system from the financial account issuer.

6. A non-transitory computer-readable medium including instructions for performing a method, when executed by a processor, for providing messages to a client system attached to a network, the client system configured to display web pages associated with web sites provided through the network, the method comprising:

determining a first web site accessed by the client system;

determining that the first web site is included in a list of web sites;

generating a first message for display, at the client system, along with a web page associated with the first web site, wherein the first message includes an offer for a first purchase discount for the user to purchase a first item from the web site using a financial account provided by a financial account issuer, wherein the first message includes a hyperlink such that the user can select the hyperlink to accept the offer;

determining a second web site accessed by the client system;

determining that the second web site is not included in the list of web sites; and

generating a second message for display, at the client system, along with a web page associated with the second web site, wherein the second message includes an offer for a second purchase discount for the user to purchase a second item at an alternate web site included in the list of web sites, using the financial account, wherein the second message includes a hyperlink to the alternate web site such that the user can select the hyperlink to the alternate web site to accept the offer.

7. The computer-readable medium of claim 6, 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.

8. The computer-readable medium of claim 7, 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.

9. The computer-readable medium of claim 6, 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.

10. The computer-readable medium of claim 6, wherein the method is performed by software downloaded to the client system from the financial account issuer.

11. A system for providing message to a client system attached to a network, the client system configured to display web pages associated with web sites provided through the network, the system comprising a processor configured to:

determine a first web site accessed by the client system;

determine that the first web site is included in a list of web sites;

generate a first message for display, at the client system, along with a web page associated with the first web site, wherein the first message includes an offer for a first purchase discount for the user to purchase a first item from the web site using a financial account provided by a financial account issuer, wherein the first message includes a hyperlink such that the user can select the hyperlink to accept the offer;

determine a second web site accessed by the client system;

determine that the second web site is not included in the list of web sites; and

generate a second message for display, at the client system, along with a web page associated with the second web site, wherein the second message includes an offer for a second purchase discount for the user to purchase a second item at an alternate web site included in the list of web sites, using the financial account, wherein the second message includes a hyperlink to the alternate web site such that the user can select the hyperlink to the alternate web site to accept the offer.

12. The system of claim 11, 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.

13. The system of claim 12, 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.

14. The system of claim 11, 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.