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US 11,900,449 B2Granted
Systems and methods to provide account features via web based user interfaces
AssigneeVisa International Service Association
InventorsAnne Marie Louie, Shipra Jha
Life of this patent
Estimating the term…
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.
Claims14
A computer-implemented method for generating a customized webpage, comprising:
- receiving, through an issuer website, sign-in credentials of a user;
- in response to receiving the sign-in credentials, providing access to a first user interface through the issuer website on a web browser, the first user interface displaying account data of a user account issued by an issuer associated with the issuer website;
- receiving, through the issuer website, a portal access request by the user interacting with the first user interface;
- in response to receiving the portal access request, redirecting, through the issuer website, the web browser to a second webpage separate from the issuer website by communicating a web request to at least one processor, the web request configured to cause the at least one processor to:
- identify the issuer associated with the issuer website;
- in response to identifying the issuer, automatically retrieve an issuer parameter associated with the issuer, the issuer parameter comprising at least one of an html code and a style sheet such that the look and feel of a user interface generated based on the at least one of the html code and the style sheet is consistent with the first user interface, wherein the issuer parameter is provided by an issuer system of the issuer;
- retrieve stored account data associating at least one account feature with the user account;
- generate a second user interface on the second webpage based on the at least one of the html code and the style sheet, the second user interface displaying data associated with the at least one account feature associated with the user account;
- and
- transmit the second webpage to the web browser of the user device to display the second user interface.
7 more elements
A system for generating a customized webpage, comprising an issuer website programmed or configured to:
- receive, through the issuer website, sign-in credentials of a user;
- in response to receiving the sign-in credentials, providing access to a first user interface through the issuer website on a web browser, the first user interface displaying account data of a user account issued by an issuer associated with the issuer website;
- receive, through the issuer website, a portal access request by the user interacting with the first user interface;
- in response to receiving the portal access request, redirect, through the issuer website, the web browser to a second webpage separate from the issuer website by communicating a web request to at least one processor, the web request configured to cause the at least one processor to:
- identify the issuer associated with the issuer website;
- in response to identifying the issuer, automatically retrieve an issuer parameter associated with the issuer, the issuer parameter comprising at least one of an html code and a style sheet such that the look and feel of a user interface generated based on the at least one of the html code and the style sheet is consistent with the first user interface, wherein the issuer parameter is provided by an issuer system of the issuer;
- retrieve stored account data associating at least one account feature with the user account;
- generate a second user interface on the second webpage based on the at least one of the html code and the style sheet, the second user interface displaying data associated with the at least one account feature associated with the user account;
- and
- transmit the second webpage to the web browser of the user device to display the second user interface.
7 more elements
A computer-implemented method for generating a customized webpage, comprising:
- receiving, with at least one processor, a web request from an issuer website that redirects a web browser on a user device from the issuer website to a second website separate from the issuer website;
- in response to receiving the web request, identifying an issuer associated with the issuer website based on the web request;
- in response to identifying the issuer, automatically retrieving an issuer parameter associated with the issuer, the issuer parameter comprising at least one of an html code and a style sheet such that the look and feel of a user interface generated based on the at least one of the html code and the style sheet is consistent with the first user interface, wherein the issuer parameter is provided by an issuer system of the issuer;
- retrieving stored account data associating at least one account feature with the user account;
- generating a user interface on a customized webpage based on the at least one of the html code and the style sheet, the user interface displaying data associated with the at least one account feature associated with the user account;
- and
- transmitting the customized webpage to the web browser of the user device to display the user interface.
4 more elements
Dependencies are inferred from the claim text.