Online content portal system

• US 20020095387A1
• Filed: 03/13/2002
• Published: 07/18/2002
• Est. Priority Date: 08/27/1999
• Status: Abandoned Application

• Current Assignee: NetSpend Corporation (Global Payments Incorporated)
• Original Assignee: NetSpend Corporation (Global Payments Incorporated)
• Inventors: Sosa, Rogelio, Sosa, Bertrand
• Application Number:
  US10/097,170
• Publication Number:
  US 20020095387A1
• Time in Patent Office: Days
• US Class Current: 705/65
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/26 Debit schemes, e.g. "pay now"
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Abstract

A system and method of providing an online content portal for sending affiliate content to users of an online account system via the Internet. An online content portal is provided with each user cash account for sending affiliate content. Users conduct purchase transactions with third parties via the Internet using online cash account funds. The system is configured to provide valid charge numbers acceptable to the third parties to consummate the purchase transactions. The charge numbers are similar to standard credit card numbers and universally accepted, where the system is also configured to be the processor of such charge numbers. The shopping and purchase activity of users is monitored and stored along with account information in a user information database. Affiliates may download and/or search the user information database to target users for sending the affiliate content. The online content portal system facilitates collection of valuable user information and identification of users to receive selected types of content.

Claims

1. A method of providing an online content portal for sending affiliate content to at least one user of an online account system via an electronic communications network, comprising:

providing a corresponding one of a plurality of online cash accounts for each of a plurality of users of the online account system;

enabling each of the plurality of users to conduct purchase transactions with third parties via the electronic communications network using funds in corresponding online cash accounts, the online account system configured to provide valid charge numbers acceptable to the third parties to consummate the purchase transactions;

monitoring activity of users employing corresponding online cash accounts, the activity including shopping and purchase behavior of the users with the third parties;

storing a user information database that includes account and activity information of each of the plurality of users; and

providing a content portal with at least one online cash account for sending affiliate content to corresponding one or more users.

2. The method of claim 1, further comprising maintaining confidentiality of personal information of at least one of the users.

3. The method of claim 1, further comprising:

providing the affiliate content to at least one selected user via corresponding content portals.

4. The method of claim 3, further comprising:

incorporating a link into the content portal indicative of the location of the affiliate content; and

providing, from the indicated location, the affiliate content to the corresponding one or more users.

5. The method of claim 3, the affiliate comprising a distributor of cash cards, further comprising:

providing a cash card that may be used by a user to establish or replenish an online cash account via the electronic communications network; and

distributing, by the distributor, the cash card.

6. The method of claim 5, further comprising:

enabling the cash card for offline financial transactions using funds in a corresponding online cash account;

said monitoring including tracking online and offline activity of the at least one user; and

storing tracked activity information in the user information database.

7. The method of claim 5, the distributor comprising a promoter, further comprising:

linking the promoter with the cash card;

distributing, by the promoter, the cash card for free in association with a promotional scheme; and

establishing a promotional online cash account for a user receiving the cash card.

8. The method of claim 3, the affiliate comprising a distributor merchant that distributes cash cards, further comprising:

providing a cash card that incorporates a corresponding serial number that may be used by a user to establish a new online cash account or replenish an existing online cash account via the electronic communications network; and

offering, by the distributor merchant, the cash card for sale.

9. The method of claim 8, further comprising:

linking an online cash account with a purchased cash card;

determining locality information of the distributor merchant that sold the cash card; and

storing the locality information in the user information database.

10. The method of claim 8, further comprising:

selling, by the distributor merchant, the cash card;

associating the distributor merchant with an online cash account that corresponds to the cash card that was sold; and

sending, by the distributor merchant via the online account system, affiliate content to a user that purchased the cash card via a content portal of the associated online cash account.

11. The method of claim 10, further comprising:

said sending affiliate content comprising sending advertising content and the like intended to provide incentive to the user to return to the distributor merchant.

12. The method of claim 8, further comprising:

validating a purchased cash card via a charge settlement network; and

identifying the distributor merchant via the charge settlement network.

13. The method of claim 8, further comprising:

providing, on a surface of the cash card, branding information associated with the distributor merchant.

14. The method of claim 8, further comprising:

selling, by the distributor merchant, the cash card;

associating the distributor merchant with an online cash account that corresponds to the cash card that was sold; and

said providing a content portal including displaying, to a user that purchased the cash card, a virtual card with brand information of the distributor merchant while the user accesses the associated online cash account.

15. The method of claim 3, further comprising:

receiving at least one token from an affiliate;

publishing, by the affiliate, the at least one token;

detecting access by an existing or potential user of the online account system that identifies the affiliate and a token; and

linking the user with an online cash account associated with the affiliate.

16. The method of claim 15, wherein said publishing comprises printing or announcing the token via a public media.

17. The method of claim 16, wherein said publishing comprises printing the token as an affiliate serial number on a product or in association with a service of the affiliate.

18. The method of claim 3, further comprising:

detecting a user accessing the online account system via a website associated with the affiliate; and

receiving affiliate identification information in conjunction with the user access.

19. The method of claim 3, further comprising:

searching, by an affiliate, one or more cash accounts employing the user information database; and

enabling affiliate content to be provided for display to at least one selected user via a content portal of a corresponding online cash account.

20. The method of claim 19, further comprising downloading information, by the affiliate, from the user information database.

21. The method of claim 19, further comprising:

receiving a search request from the affiliate; and

providing a list including at least one cash account in accordance with the affiliate search request.

22. The method of claim 19, further comprising:

receiving a search request from the affiliate; and

providing a profile list including at least one user behavioral profile in accordance with the affiliate search request.

23. The method of claim 19, further comprising:

receiving a search request from the affiliate; and

generating a research report based on aggregate profile information of a plurality of users in accordance with the affiliate search request.

24. The method of claim 19, wherein the affiliate content includes at least one of advertising information, marketing information branding information, discount information, coupon information and promotional information.

25. The method of claim 3, further comprising:

associating at least one of the plurality of users with the affiliate; and

displaying associated users a virtual card with a valid charge number and brand information of the affiliate.

26. The method of claim 25, wherein the displaying comprises displaying a virtual card with interactive capabilities.

27. The method of claim 25, further comprising:

said displaying comprises displaying a virtual card as a video portal; and

displaying a video through the virtual credit card video portal.

28. The method of claim 1, further comprising:

processing, by the online account system, user purchase transactions via a charge settlement network.

30. The online content portal system of claim 29, further comprising:

a search utility, interfaced to the transaction and account system and the memory, that is configured to receive user information requests and to provide content from the user information database in response to the request.

31. The online content portal system of claim 30, wherein the search utility outputs a list of online cash accounts that meet a search request.

32. The online content portal system of claim 30, wherein the search utility outputs a list of user profiles that meet a search request.

33. The online content portal system of claim 29, further comprising:

a profile generator, coupled to the transaction and account system and the memory, that generates user behavioral profiles based on shopping and purchase activity and online cash account information.

34. The online content portal system of claim 33, wherein the profile generator maintains a profile database that stores a plurality of user behavioral profiles.

35. The online content portal system of claim 34, further comprising:

a search utility, interfaced to the transaction and account system and the memory, that is configured to receive queries, to search the profile database, and to select online cash accounts that meet each query.

36. The online content portal system of claim 35, wherein the search utility outputs a list of online cash accounts that meet a query.

37. The online content portal system of claim 36, wherein the search utility outputs a list of user behavioral profiles that meet a query.

38. The online content portal system of claim 35, further comprising:

a report generator, interfaced to the search utility, that is configured to generate marketing reports based on user information in the user information database.

39. The online content portal system of claim 38, wherein the marketing reports are based on user behavioral profiles.

40. The online content portal system of claim 38, wherein the marketing reports are based on aggregate information of a plurality of user behavioral profiles.

41. The online content portal system of claim 38, wherein the marketing reports are stored in a report database.

42. The online content portal system of claim 29, wherein the tracking utility is configured to download information from the user information database in response to a user information request by an affiliate.

43. The online content portal system of claim 29, wherein the transaction and account system is configured to download information from the user information database in response to a user information request by an affiliate.

44. The online content portal system of claim 29, further comprising:

a server search utility that is configured to cooperate with a client utility via the computer communications network to download information from the user information database.

45. The online content portal system of claim 29, further comprising:

a user content display information list that identifies affiliate content associated with each online cash account; and

the display utility configured to provide a location link to the affiliate content indicating a location via the computer communications network.

46. The online content portal system of claim 29, further comprising:

the memory further storing an affiliate database including affiliate content from at least one affiliate;

a user content display information list that lists affiliate content associated with each online cash account; and

the transaction and account system configured to parse affiliate content from the affiliate database for each online cash account.

47. The online content portal system of claim 46, further comprising:

a web page database that stores a plurality of template and predetermined web page information; and

the display utility operating to retrieve selected web pages from the web page database and to populate template web pages with affiliate content from the user content display information list.

29. An online content portal system for displaying content to selected users via a computer communications network, comprising:

a computer network communication system that interfaces and enables communications via the computer communications network;

a memory, coupled to the transaction and account system, that stores a user information database including shopping and purchase activity and online cash account information;

a transaction and account system, interfaced to the computer network communication system and the memory, that facilitates purchase transactions by providing valid charge numbers acceptable to third parties for consummating purchase transactions and that maintains a plurality of online cash accounts in the memory;

a tracking utility, interfaced to the computer network communication system and the memory, that monitors shopping and purchase activity associated with each of the plurality of online cash accounts and that updates and maintains the user information database; and

a display utility, coupled to the transaction and account system, that enables access to affiliate content for display via selected online cash accounts when the selected online cash accounts are accessed via the computer communications network.