Facilitating presentation of content relating to a financial transaction

• US 8,626,659 B1
• Filed: 09/28/2012
• Issued: 01/07/2014
• Est. Priority Date: 09/28/2012
• Status: Active Grant

• Current Assignee: Fiserv Incorporated
• Original Assignee: Fiserv Incorporated
• Inventors: Harris, Mark T., Bowman, Mark Edward, Lewter, Sherry Pleasant, Kell, John Alexander
• Primary Examiner(s): Dass, Harish T
• Application Number:
  US13/630,426
• Time in Patent Office: 466 Days
• Field of Search: 705 39- 42, 705/75, 713/194, 725/23, 455/456.1, 235/380
• US Class Current: 705/42
• CPC Class Codes: G06F 16/9566 URL specific, e.g. using aliases, detecting broken or misspelled links
• CPC Class Codes: G06F 3/0482 Interaction with lists of selectable items, e.g. menus
• CPC Class Codes: G06F 3/04842 Selection of displayed objects or displayed text elements G06F3/0482 takes precedence
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/26 Debit schemes, e.g. "pay now"
• CPC Class Codes: G06Q 20/306 using TV related infrastructures external card used for payment with client device H04N21/4185
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Systems, methods and computer-readable media for facilitating the presentation of content associated with a financial transaction are disclosed. The content may be identified by a requestor or a party to the financial transaction on whose behalf a request associated with the financial transaction is received. A content location identifier that identifies a location where the content is stored may be identified or generated and may be included in or otherwise provided in association with a debit or credit instruction. The content location identifier may be presented by a user interface associated with a financial institution in conjunction with other transaction information and may facilitate access to the content and presentation of the content to a user.

Claims

1. A system, comprising:

at least one network interface;

at least one memory storing computer-executable instructions; and

at least one processor communicatively coupled to the at least one network interface and the at least one memory and configured to access the at least one memory and to execute the computer-executable instructions to;

receive, on behalf of a requestor via at least a first network interface of the at least one network interface, a request to perform or request a financial transaction involving a financial account, wherein the request comprises content-related information associated with content relating to the financial transaction, wherein the content is identified by one of;

i) the requestor or ii) a party to the financial transaction, and wherein the content-related information comprises one of;

i) the content or ii) a first content location identifier indicative of a first location from which the content is retrievable;

identify the first content location identifier from the content-related information or generate a second content location identifier based at least in part on the content-related information, wherein the second content location identifier is indicative of a of a second location from which the content is retrievable;

insert one of;

i) content location identifier or ii) the second content location identifier into one of i) a debit instruction to post a debit to the financial account, wherein the debit instruction is associated with the financial transaction or ii) a credit instruction to post a credit to the financial account, wherein the credit instruction is associated with the financial transaction; and

direct at least a second network interface of the at least one network interface to transmit the debit instruction or the credit instruction to one of;

i) a payment network or ii) a financial institution associated with the financial account,

wherein a presentation of information associated with the financial account comprises;

transaction information comprising an indication of posting of the debit or the credit, and

one of;

i) a selectable representation of the first content location identifier or the second content location identifier that enables retrieval and presentation of the content or ii) a representation of the content generated responsive to retrieval of the content based at least in part on the first content location identifier or the second content location identifier.

2. The system of claim 1, wherein the requestor is a first requestor, wherein the presentation of information comprises the selectable representation of the first content location identifier or the second content location identifier, and wherein the at least one processor is further configured to execute the computer-executable instructions to:

receive, on behalf of a second requestor, a request for the content, wherein the request for the content is received responsive to selection of the selectable representation;

direct at least a third network interface of the at least one network interface to transmit, responsive to receipt of the request for the content and for presentation to the second requestor, the content.

3. The system of claim 2, wherein the first requestor and the second requestor are a same requestor.

4. The system of claim 1, wherein the requestor and the party to the financial transaction are a same entity.

5. The system of claim 1, wherein the selectable representation of the first content location identifier or second content location identifier comprises hyperlinked anchor text.

6. The system of claim 5, wherein the one of:

i) the debit instruction or ii) the credit instruction comprises one of;

i) the anchor text or ii) an identifier associated with the anchor text.

7. The system of claim 1, wherein the selectable representation of the first content location identifier or the second content location identifier comprises a graphical representation of the content.

8. The system of claim 1, wherein the first content location identifier or the second content location identifier comprises a uniform resource locator (URL).

9. The system of claim 8, wherein the URL is a shortened URL.

10. The system of claim 1, wherein the financial account comprises one of:

i) a demand deposit account,

ii) a savings account,

iii) a credit card account, or

iv) a debit card account,

v) a prepaid card account,

vi) a stored value account, or

vii) a line of credit account.

11. The system of claim 1, wherein the financial transaction comprises one of:

i) a bill payment,

ii) a person-to-person (P2P) payment,

iii) a retail payment, or

iv) a funds transfer.

12. The system of claim 1, wherein the content comprises at least one of:

i) textual content associated with the financial transaction, ii) an image associated with the financial transaction, iii) audio content associated with the financial transaction, or iv) video content associated with the financial transaction.

13. The system of claim 12, wherein the content comprises the image associated with the financial transaction, and wherein the image comprises an image of one of:

i) an individual associated with the financial transaction,

ii) an event associated with the financial transaction,

iii) a purchased item associated with the financial transaction,

iv) a purchase order associated with the financial transaction,

v) an invoice associated with the financial transaction,

vi) a receipt associated with the financial transaction,

vii) a greeting card or message associated with the financial transaction.

14. The system of claim 1, wherein the content comprises purchased digital content associated with the financial transaction.

15. The system of claim 1, wherein the requestor is one of:

i) an account holder of the financial account or ii) an entity authorized by the account holder to initiate the request.

16. The system of claim 1, wherein the content is stored in at least one of:

i) one or more datastores forming at least part of the service provider system or ii) one or more remote datastores.

17. The system of claim 16, wherein the content-related information comprises the content, and wherein the at least one processor is further configured to execute the computer-executable instructions to:

store the content in the one or more datastores forming at least part of the system, or

direct storage of the content in the one or more remote datastores.

18. The system of claim 17, wherein the content is stored in the one or more remote datastores, wherein the presentation of information comprises the selectable representation of the first content location identifier or the second content location identifier, and wherein the at least one processor is further configured to execute the computer-executable instructions to:

receive, from a system associated with the one or more remote datastores via at least a third network interface of the at least one network interface, an indication of a request to access the content stored in the one or more remote datastores, wherein the request to access the content is generated based at least in part on selection of the selectable representation of the first content location identifiers or the second content location identifier.

19. The system of claim 18, wherein the content is accessed by an account holder associated with the financial account, and wherein the at least one processor is further configured to execute the computer-executable instructions to:

receive, from the system associated with the one or more remote datastores via the at least a third network interface, a second request to authenticate the account holder; and

transmit, to the system associated with the one or more remote datastores, an indication that the account holder is authenticated.

21. The system of claim 17, wherein the at least one processor is further configured to execute the computer-executable instructions to:

generate the second content location identifier,

wherein the second location is indicative of a stored location of the content in one of;

i) the one or more datastores or ii) the one or more remote datastores.

22. The system of claim 1, wherein the payment network comprises one of:

i) an Automated Clearinghouse (ACH) network,

ii) a debit network,

iii) a credit card network, or

iv) a proprietary network of financial institutions.

23. The system of claim 2, wherein the at least one processor is further configured to execute the computer-executable instructions to:

authenticate at least one of i) the first requestor in connection with the request to perform or request the financial transaction or ii) the second requestor in connection with the request for the content.

24. The system of claim 1, wherein the presentation of information is associated with one of:

i) an online banking application

ii) a card account application,

iii) a data aggregation application,

iv) a printed statement associated with the financial account, or

v) an image of a printed statement associated with the financial account.

25. The system of claim 1, wherein the at least one processor is further configured to execute the computer-executable instructions to:

direct at least a third network interface of the at least one network interface to transmit, for presentation to an account holder associated with the financial account, the presentation of information.

26. The system of claim 1, wherein the at least one processor is further configured to execute the computer-executable instructions to:

direct at least a third network interface of the at least one network interface to transmit, for presentation to an account holder associated with the financial account, one of;

i) the selectable representation of the first content location identifier of the second content location identifier or ii) representation of the content.

20. The system of 1, wherein the content-related information comprises the first content location identifier and the second content location identifier is generated, and wherein the at least one processor is further configured to execute the computer-executable instructions to:

retrieve the content based at least in part on the first content location identifier; and

store the content in one or more datastores,

wherein the second location is a stored location of the content in the one or more datastores.

27. A method, comprising:

receiving, by a computerized service provider system comprising one or more computers and on behalf of a requestor, a request to perform or request a financial transaction involving a financial account, wherein the request comprises content-related information associated with content relating to the financial transaction, wherein the content is identified by one of;

i) the requestor or ii) a party to the financial transaction, and wherein the content-related information comprises one of;

i) the content or ii) a first content location identifier indicative of a first location from which the content is retrievable;

performing one of;

identifying, by the computerized service provider system, the first content location identifier from the content-related information, or

generating, by the computerized service provider system and based at least in part on the content-related information, a second content location identifier indicative of a second location from which the content is retrievable;

inserting, by the computerized service provider system, one of;

i) the first content identifier or ii) the second content identifier into one of;

i) a debit instruction to post a debit to the financial account, wherein the debit instruction is associated with the financial transaction or ii) a credit instruction to post a credit to the financial account, wherein the credit instruction is associated with the financial transaction; and

transmitting, by the computerized service provider system, the debit instruction or the credit instruction to one of;

i) a payment network or ii) a financial institution associated with the financial account,

wherein a presentation of information associated with the financial account comprises;

transaction information comprising an indication of posting of the debit or the credit, and

one of;

i) a selectable representation of the first content location identifier or the second content location identifier that enables retrieval and presentation of the content or ii) a representation of the content generated responsive to retrieval of the content based at least in part on the first content location identifier or the second content location identifier.

28. The method of claim 27, wherein the requestor is a first requestor, and wherein the presentation of information comprises the selectable representation of the first content location identifier or the second content location identifier, the method further comprising:

receiving, by the computerized service provider system on behalf of a second requestor, a request for the content, wherein the request for the content is received responsive to selection of the selectable representation;

transmitting, by the computerized service provider system responsive to receiving the request for the content and for presentation to the second requestor, the content.

29. The method of claim 28, wherein the first requestor and the second requestor are a same requestor.

30. The method of claim 27, wherein the requestor and the party to the financial transaction are a same entity.

31. The method of claim 27, wherein the selectable representation of the first content location identifier or the second content location identifier comprises hyperlinked anchor text.

32. The method of claim 31, wherein the one of:

i) the debit instruction or ii) the credit instruction comprises one of;

i) the anchor text or ii) an identifier associated with the anchor text.

33. The method of claim 27, wherein the selectable representation of the first content location identifier or the second content location identifier comprises a graphical representation of the content.

34. The method of claim 27, wherein the first content location identifier or the second content identifier comprises a uniform resource locator (URL).

35. The method of claim 34, wherein the URL is a shortened URL.

36. The method of claim 27, wherein the financial account comprises one of:

i) a demand deposit account,

ii) a savings account,

iii) a credit card account,

iv) a debit card account,

v) a prepaid card account,

vi) a stored value account, or

vii) a line of credit account.

37. The method of claim 27, wherein the financial transaction comprises one of:

i) a bill payment,

ii) a person-to-person (P2P) payment,

iii) a retail payment, or

iv) a funds transfer.

38. The method of claim 27, wherein the content comprises at least one of:

i) textual content associated with the financial transaction, ii) an image associated with the financial transaction, iii) audio content associated with the financial transaction, or iv) video content associated with the financial transaction.

39. The method of claim 38, wherein the content comprises the image associated with the financial transaction, and wherein the image comprises an image of one of:

i) an individual associated with the financial transaction,

ii) an event associated with the financial transaction,

iii) a purchased item associated with the financial transaction,

iv) a purchase order associated with the financial transaction,

v) an invoice associated with the financial transaction,

vi) a receipt associated with the financial transaction,

vii) a greeting card or message associated with the financial transaction.

40. The method of claim 27, wherein the content comprises purchased digital content associated with the financial transaction.

41. The method of claim 27, wherein the requestor is one of:

i) an account holder of the financial account or ii) an entity authorized by the account holder to initiate the request.

42. The method of claim 27, wherein the content is stored in at least one of:

i) one or more datastores forming at least part of the service provider system or ii) one or more remote datastores.

43. The method of claim 42, wherein the content-related information comprises the content, the method further comprising:

storing, by the computerized service provider system, the content in the one or more datastores forming at least part of the service provider system, or

directing, by the computerized service provider system, storage of the content in the one or more remote datastores.

44. The method of claim 43, wherein the content is stored in the one or more remote datastores, and wherein the presentation of information comprises the selectable representation of the first content location identifier or the second content location identifier, the method further comprising:

receiving, by the computerized service provider system from a system associated with the one or more remote datastores, an indication of a request to access the content stored in the one or more remote datastores, wherein the request to access the content is generated based at least in part on selection of the selectable representation of the first content location identifier or the second content location identifier.

45. The method of claim 44, wherein the content is accessed by an account holder associated with the financial account, further comprising:

receiving, by the computerized service provider system from the system associated with the one or more remote datastores, a second request to authenticate the account holder; and

transmitting, by the computerized service provider system to the system associated with the one or more remote datastores, an indication that the account holder is authenticated.

46. The method of claim 27, wherein the content-related information comprises the first content location identifier and the second content location identifier is generated, the method further comprising:

retrieving, by the computerized service provider system, the content based at least in part on the first content location identifier; and

storing, by the computerized service provider system, the content in one or more datastores,

wherein the second location is a stored location of the content in the one or more datastores.

47. The method of claim 43, further comprising:

generating, by the service provider system, the second content location identifier,

wherein the second location is indicative of a stored location of the content in one of;

i) the one or more datastores or ii) the one or more remote datastores.

48. The method of claim 27, wherein the payment network comprises one of:

i) an Automated Clearinghouse (ACH) network,

ii) a debit network,

iii) a credit card network, or

iv) a proprietary network of financial institutions.

49. The method of claim 28, further comprising:

authenticating, by the computerized service provider system, at least one of i) the first requestor in connection with the request to perform or request the financial transaction or ii) the second requestor in connection with the request for the content.

50. The method of claim 27, wherein the presentation of information is associated with one of:

i) an online banking application

ii) a card account application,

iii) a data aggregation application,

iv) a printed statement associated with the financial account, or

v) an image of a printed statement associated with the financial account.

51. The method of claim 27, further comprising:

transmitting, by the computerized service provider system for presentation to an account holder associated with the financial account, the presentation of information.

52. The method of claim 27, further comprising:

transmitting, by the computerized service provider system for presentation to an account holder associated with the financial account, one of;

i) the selectable representation of the first content location identifier or the second content location identifier or ii) the representation of the content.

53. A system, comprising:

at least one network interface;

at least one memory storing computer-executable instructions; and

at least one processor communicatively coupled to the at least one network interface and the at least one memory and configured to access the at least one memory and to execute the computer-executable instructions to;

receive, via at least a first network interface of the at least one network interface and on behalf of a requestor, a request to perform or request a financial transaction involving a financial account, wherein the request comprises content comprising at least one of;

i) image content, ii) audio content, or iii) video content associated with the financial transaction;

direct storage of the content in one or more datastores;

generate a content location identifier indicative of a stored location in the one or more datastores from which the content is retrievable, wherein the content location identifier comprises a shortened uniform resource locator (URL);

insert the content location identifier into an available data field provided in one of;

i) a debit instruction to post a debit to the financial account, wherein the debit instruction is associated with the financial transaction or ii) a credit instruction to post a credit to the financial account, wherein the credit instruction is associated with the financial transaction; and

direct at least a second network interface of the at least one network interface to transmit the debit instruction or the credit instruction to one of;

i) a payment network or ii) a financial institution associated with the financial account,

wherein a presentation of information associated with the financial account comprises;

transaction information comprising an indication of posting of the debit or the credit, and

one of;

i) a selectable representation of the content location identifier that enables retrieval and presentation of the content or ii) a representation of the content generated responsive to retrieval of the content based at least in part on the content location identifier.

54. The system of claim 53, wherein the requestor is a first requestor, wherein the presentation of information comprises the selectable representation of the content location identifier, and wherein the at least one processor is further configured to execute the computer-executable instructions to:

receive, on behalf of a second requestor, a request for the content, wherein the request for the content is received responsive to selection of the selectable representation;

direct at least a third network interface of the at least one network interface to transmit, responsive to receipt of the request for the content and for presentation to the second requestor, the content.

55. The system of claim 54, wherein at least two of the first network interface, the second network interface, and the third network interface are a same network interface.

56. The system of claim 53, wherein the at least one processor is further configured to execute the computer-executable instructions to:

direct at least a third network interface of the at least one network interface to transmit, for presentation to an account holder associated with the financial account, one of;

i) the selectable representation of the first content location identifier or the second content location identifier or ii) the representation of the content.

57. The system of claim 53, wherein the content comprises at least one of the audio content or the video content, and wherein the content comprises at least one of:

i) an audio recording of an individual associated with the financial transaction, or

ii) a video recording of an individual associated with the financial transaction.

58. The system of claim 53, wherein the content comprises the image content, and wherein the image content comprises an image of at least one of:

i) an individual associated with the financial transaction,

ii) an event associated with the financial transaction,

iii) a purchased item associated with the financial transaction,

iv) a purchase order associated with the financial transaction,

v) an invoice associated with the financial transaction,

vi) a receipt associated with the financial transaction,

vii) a greeting card or message associated with the financial transaction.