Systems and methods to provide account features via web based user interfaces

• US 10,360,627 B2
• Filed: 12/13/2013
• Issued: 07/23/2019
• Est. Priority Date: 12/13/2012
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Louie, Anne Marie, Jha, Shipra
• Primary Examiner(s): Kazimi, Hani M
• Assistant Examiner(s): Ali, Hatem
• Application Number:
  US14/106,380
• Publication Number:
  US 20140172660A1
• Time in Patent Office: 2,048 Days
• Field of Search: 705 35
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A portal to provide user interfaces to users to access and/or purchase account features in connection with websites of issuers. The user interfaces have white label configurability that allows the issuers to customize the labeling of the user interfaces such that the user interfaces can be perceived as part of the websites of the issuers of the consumer accounts of the respective users. The user interfaces are configured to present, in a user friendly way, the account features currently in the consumer accounts, as well as optional account features that can be purchased at additional costs.

Claims

1. A method, comprising:

storing, in a computing apparatus, account data associating account features with accounts individually, wherein each account of the accounts is configured to be assigned one or more account features independent of separate accounts;

receiving, in the computing apparatus, a web request from a web browser of a user redirected from an issuer website of an issuer, the issuer being an issuer of a consumer account issued to the user;

automatically identifying, based on the web request, the issuer of the issuer website;

in response to identifying the issuer, automatically retrieving white label resources associated with the issuer; and

using the retrieved white label resources associated with the issuer, automatically generating and transmitting to the web browser of the user a customized webpage that presents a first user interface, wherein the customized webpage is separate from the website of the issuer,

wherein the first user interface is customized by displaying an identification of the user and the white label resources associated with the issuer, the white label resources associated with the issuer including at least one of the following;

a logo, label, text area, links associated with the issuer, or any combination thereof,

wherein the first user interface further displays;

a summary of account features associated with the consumer account issued by the issuer, the account features associated with the consumer account in accordance with the account data;

a user interface element selectable to request a second user interface to access details of the account features associated with the consumer account, and

a user interface element selectable to request a third user interface to shop for account features for the consumer account issued by the issuer.

2. The method of claim 1, further comprising:

receiving user selection of a plurality of account feature packages; and

presenting a user interface showing a comparison of benefits provided by the plurality of account feature packages.

3. The method of claim 1, wherein the first user interface is further customized via at least one of:

html code and style sheet, provided by the issuer.

4. The method of claim 3, further comprising:

electronically presenting a disclosure material of an account feature in the consumer account to the user; and

electronically obtaining from the user acceptance of terms of use of the account feature.

5. The method of claim 1, wherein the first user interface further includes a user interface element selectable to redirect the user back to a web site of the issuer of the consumer account.

6. The method of claim 1, further comprising:

authenticating the user based on the web request redirected from the issuer.

7. The method of claim 1, further comprising:

separately authenticating the user independent of the issuer website.

8. The method of claim 1, further comprising:

receiving, in the computing apparatus, a second web request from the web browser of the user redirected from a second issuer of a second consumer account issued to the user; and

in response to the web request, presenting a second user interface to the user via the web browser, wherein the second user interface is customized based on an identity of the second issuer in accordance with the second web request.

9. The method of claim 1, further comprising:

receiving input, via the first user interface, to purchase a first account feature for the consumer account; and

updating the data to associate the first account feature with the consumer account.

10. A computing apparatus, comprising

at least one processor, and

a memory storing instructions configured to instruct the at least one processor to at least:

store, in the computing apparatus, account data associating account features with accounts individually, wherein each account of the accounts is configured to be assigned one or more account features independent of separate accounts;

receive, in the computing apparatus, a web request from a web browser of a user redirected from an issuer website of an issuer, the issuer being an issuer of a consumer account issued to the user;

automatically identify, based on the web request, the issuer of the issuer website;

in response to identifying the issuer, automatically retrieve white label resources associated with the issuer; and

using the retrieved white label resources associated with the issuer, automatically generate and transmit to the web browser of the user a customized webpage that presents a first user interface, wherein the customized webpage is separate from the website of the issuer,

wherein the first user interface is customized by displaying an identification of the user and the white label resources associated with the issuer, the white label resources associated with the issuer including at least one of the following;

a logo, label, text area, links associated with the issuer, or any combination thereof,

wherein the first user interface further displays;

a summary of account features associated with the consumer account issued by the issuer, the account features associated with the consumer account in accordance with the account data;

a user interface element selectable to request a second user interface to access details of the account features associated with the consumer account, and

a user interface element selectable to request a third user interface to shop for account features for the consumer account issued by the issuer.

11. The computing apparatus of claim 10, further comprising:

a data warehouse configured to store transaction data recording transactions processed by a transaction handler of a payment processing network, the transactions made in the consumer accounts issued by different issuers.

12. The computing apparatus of claim 11, further comprising:

a portal configured to present the first user interface via the web browser of the user.

13. The computing apparatus of claim 12, wherein transactions in the consumer account of the user are processed by the transaction handler in communication with an issuer processor of the issuer.

14. The apparatus of claim 10, wherein the instructions are further configured to instruct the at least one processor to:

authenticate the user based on the web request redirected from the issuer.

15. The apparatus of claim 10, wherein the instructions are further configured to instruct the at least one processor to:

receive, in the computing apparatus, a second web request from the web browser of the user redirected from a second issuer of a second consumer account issued to the user; and

in response to the web request, present a second user interface to the user via the web browser, wherein the second user interface is customized based on an identity of the second issuer in accordance with the second web request.

16. The apparatus of claim 10, wherein the instructions are further configured to instruct the at least one processor to:

receive input, via the first user interface, to purchase a first account feature for the consumer account; and

update the data to associate the first account feature with the consumer account.

17. A non-transitory computer-storage medium storing instructions configured to instruct a computing apparatus to perform at least:

storing, in a computing apparatus, account data associating account features with accounts individually, wherein each account of the accounts is configured to be assigned one or more account features independent of separate accounts;

receiving, in the computing apparatus, a web request from a web browser of a user redirected from an issuer website of an issuer, the issuer being an issuer of a consumer account issued to the user;

automatically identifying, based on the web request, the issuer of the issuer website;

in response to identifying the issuer, automatically retrieving white label resources associated with the issuer; and

using the retrieved white label resources associated with the issuer, automatically generating and transmitting to the web browser of the user a customized webpage that presents a first user interface, wherein the customized webpage is separate from the website of the issuer,

wherein the first user interface is customized by displaying an identification of the user and the white label resources associated with the issuer, the white label resources associated with the issuer including at least one of the following;

a logo, label, text area, links associated with the issuer, or any combination thereof,

wherein the first user interface further displays;

a summary of account features associated with the consumer account issued by the issuer, the account features associated with the consumer account in accordance with the account data;

a user interface element selectable to request a second user interface to access details of the account features associated with the consumer account, and

a user interface element selectable to request a third user interface to shop for account features for the consumer account issued by the issuer.

18. The medium of claim 17, wherein the instructions are further configured to instruct the computing apparatus to:

receive user selection of a plurality of account feature packages; and

present a user interface showing a comparison of benefits provided by the plurality of account feature packages.

19. The medium of claim 18, wherein the instructions are further configured to instruct the computing apparatus to:

electronically present a disclosure material of an account feature to the user; and

electronically obtain, from the user, acceptance of terms of use of the account feature.