# US 2014/0156555 A1 · System and methods for providing financial account information over a network

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- Number: US 2014/0156555 A1
- Document ID: US20140156555A1
- Status: Published application
- Kind: A1
- Application number: 13/894,303
- Filed: 2013-05-14
- Published: 2014-06-05
- Earliest claimed: 2001-08-09
- Assignees: Capital One Financial Corporation
- Inventors: Jonathan Turner; Arthur Koeppel
- Web page: https://patentgrep.com/patent/US20140156555A1

## CPC

- G06Q 30/0282: Rating or review of business operators or products
- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 20/023: {the neutral party being a clearing house}
- G06Q 20/04: Payment circuits
- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 30/02: Marketing; Price estimation or determination; Fundraising
- G06Q 30/0239: {Online discounts or incentives}
- G06Q 30/0601: Electronic shopping [e-shopping]
- G06Q 30/0611: {Request for offers or quotes}
- G06Q 30/0621: {by configuring or customising goods or services}
- G06Q 30/0629: {by pre-processing results, e.g. ranking or ordering results}
- G06Q 30/0641: {utilising user interfaces specially adapted for shopping}
- G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06Q 40/06: Asset management; Financial planning or analysis
- G07F 19/20: {Automatic teller machines [ATMs]}
- G07F 19/203: {Dispensing operations within ATMs (dispensing in general G07D11/00)}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})

## Abstract

A system and method for providing financial account messages to customers while accessing web sites is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a financial account issuer to provide an application to customer's computer system over a network. The application may be configured to provide various messages associated with the customer's financial account provided by the financial account issuer while the customer browses web sites. The financial account messages may be configured to provide interactive and dynamically changing account status information based on attempted purchases of goods and/or services by the customer at merchants' web sites. The application may also be configured to provide rating information associated with web sites accessed by the customer.

## Claims

### Claim at position 1

1-17. (canceled)

### Claim 18

A method for providing messages to a user located at a client site attached to a network while the client site is displaying a web page associated with a web site provided by a web server through the network, the method comprising:
providing a list of one or more web sites, wherein the list includes, for each web site, a rating associated with a perceived quality of the respective web site;
determining that the web site provided by the web server is included in the list;
retrieving the rating associated with the web site from the list; and
presenting a message for display along with the web page, wherein the message includes the rating.

### Claim 19 (depends on 18)

The method of claim 18, wherein the list is provided from a financial account issuer to an application located at the client system, and wherein the application performs the steps of determining, retrieving and presenting.

### Claim 20 (depends on 19)

The method of claim 19, wherein the application performs the steps of determining, retrieving and presenting without intervention from the financial account issuer.

### Claim 21 (depends on 20)

The method of claim 20, further comprising:
presenting a request to the user to rate the web site.

### Claim 22 (depends on 21)

The method of claim 21, further comprising:
providing the user rating to the financial account issuer; and
updating the rating of the web site based on the user rating.

### Claim 23 (depends on 20)

The method of claim 20, wherein the message is one of a rolling ticker message and a pop up window.

### Claim at position 8

24-55. (canceled)

### Claim 56

A computer-readable medium including instructions for performing a method, when executed by a processor, for providing messages to a user located at a client site attached to a network while the client site is displaying a web page associated with a web site provided by a web server through the network, the method comprising:
providing a list of one or more web sites, wherein the list includes, for each web site, a rating associated with a perceived quality of the respective web site;
determining that the web site provided by the web server is included in the list;
retrieving the rating associated with the web site from the list; and
presenting a message for display along with the web page, wherein the message includes the rating.

### Claim 57 (depends on 56)

The computer-readable medium of claim 56, wherein the list is provided from a financial account issuer to an application located at the client system, and wherein the application performs the steps of determining, retrieving and presenting.

### Claim 58 (depends on 57)

The computer-readable medium of claim 57, wherein the application performs the steps of determining, retrieving and presenting without intervention from the financial account issuer.

### Claim 59 (depends on 58)

The computer-readable medium of claim 58, further comprising:
presenting a request to the user to rate the web site.

### Claim 60 (depends on 59)

The computer-readable medium of claim 59, further comprising:
providing the user rating to the financial account issuer; and
updating the rating of the web site based on the user rating.

### Claim 61 (depends on 58)

The computer-readable medium of claim 58, wherein the message is one of a rolling ticker message and a pop up window.

### Claim at position 15

62-91. (canceled)

### Claim 92

A system for providing messages to a user located at a client site attached to a network while the client site is displaying a web page associated with a web site provided by a web server through the network, the system comprising:
means for providing a list of one or more web sites, wherein the list includes, for each web site, a rating associated with a perceived quality of the respective web site;
means for determining that the web site provided by the web server is included in the list;
means for retrieving the rating associated with the web site from the list; and
means for presenting a message for display along with the web page, wherein the message includes the rating.

### Claim 93 (depends on 92)

The system of claim 92, wherein the list is provided from a financial account issuer to an application located at the client system, and wherein the application is associated with the means for determining, retrieving and presenting.

### Claim 94 (depends on 93)

The system of claim 93, wherein the means for determining, retrieving and presenting perform their respective functions without intervention from the financial account issuer.

### Claim 95 (depends on 94)

The system of claim 94, further comprising:
means for presenting a request to the user to rate the web site.

### Claim 96 (depends on 95)

The system of claim 95, further comprising:
means for providing the user rating to the financial account issuer; and
means for updating the rating of the web site based on the user rating.

### Claim 97 (depends on 94)

The system of claim 94, wherein the message is one of a rolling ticker message and a pop up window.

### Claim at position 22

98-109. (canceled)