System and method for a frame-based internet enabled user interface

• US 9,213,967 B1
• Filed: 10/31/2003
• Issued: 12/15/2015
• Est. Priority Date: 10/31/2003
• Status: Active Grant

• Current Assignee: Yodlee Incorporated (Envestnet Incorporated)
• Original Assignee: Yodlee Incorporated (Envestnet Incorporated)
• Inventors: Ferguson, Hill
• Primary Examiner(s): Champagne, Luna
• Application Number:
  US10/699,492
• Time in Patent Office: 4,428 Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 50/01 Social networking

Abstract

A system and method for a frame-based internet enabled interface. In one embodiment, a system is disclosed for a client-side frame based internet enabled interface. The system comprises a first frame and a second frame in a window. The first frame encapsulates a resource from a third-party internet based service. The resource is requested by a user through an internet enabling software. In addition, the second frame comprises user-specific information that is related to content provided from the resource.

Claims

1. An interactive interface in a display of a user-operated Internet-connected computer, comprising:

a first Internet-connected server executing first software on a first processor from a non-transitory physical medium;

a second Internet-connected server executing second software on a second processor from a non-transitory physical medium;

a window in the interactive interface provided by the first Internet-connected server;

a first frame in the window encapsulating and displaying a resource provided by the second Internet-connected server, the resource requested by a user through the first Internet-connected server, enabling the user to initiate a transaction directly with the second Internet-connected server via direct user interaction with the resource within the first frame without the user leaving the window provided by the first Internet-connected server; and

a second frame in said window, wherein said second frame displays user-specific personal information previously scraped from the second Internet-connected server and stored at the first Internet-connected server, the user-specific personal information providing live interaction between the user and the second Internet-connected server, said user-specific personal information including at least log-in credentials for the user and a bill and billing amount owed by the user to a host of the second Internet-connected server;

wherein the resource comprises a direct communication link providing real time access and interaction with the second Internet-connected server for the user, and the first Internet-connected server monitors the direct interaction between the user and the second Internet-connected server in the first frame and provides the personal information from the second frame to the first frame when required to interact and complete the transaction with the second Internet-connected server.

2. The interactive interface of claim 1, further comprising:

a second direct communication link between the software and a host portal that provides a bill management service.

3. The interactive interface of claim 1, wherein said user specific personal information comprises a bank balance associated with a financial account owned by the user.

4. The interactive interface of claim 1, wherein said resource comprises an interface for paying a specific bill, said bill referenced in the user-specific personal information displayed in the second frame.

5. The interactive interface of claim 1, further comprising:

a third frame in said window, wherein said third frame encapsulates a second resource from a third Internet-connected server, requested by said user, wherein said second frame comprises second user-specific personal information providing live interaction between the user and said third Internet-connected server.

6. The interactive interface of claim 1, wherein said first frame further comprises at least one user-interface control element when initiated by the user causes a specific action associated with the resource.

7. The interactive interface of claim 6, wherein said user interface control element comprises a control button.

8. The interactive interface of claim 6, wherein said user interface control element comprises a link.