US6879965B2
Expired / Lapsed
US
⏱️ 0.0 years remaining
Method, system and computer readable medium for web site account and e-commerce management from a central location
Assignee: Slingshot Technologies LLC
•
Filing: 2001-06-14
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Granted: 2005-04-12
•
Expires: 2021-06-14
Abstract
Abstract A method, system and computer readable medium for, from a central Web site, performing at least one of registering a user at a destination Web site, logging in a user at a destination Web site and managing an online financial transaction at a destination Web site, including parsing a form Web page of the destination Web site to extract form data fields therefrom; mapping form data fields of a central Web site form to corresponding extracted form data fields of the form Web page of the destination Web site; and using the mapped form data fields to perform at least one of registering a user at the destination Web site, logging in a user at the destination Web site and managing an online financial transaction of a user at the destination Web site. In another aspect, there is provided a method, system and computer readable medium for managing an online or offline financial transaction of a user, from a central Web site, including generating financial transaction account information for a user based on existing credit or debit card information; gathering from the user one or more limits that are applied to a financial transaction performed based on the financial transaction account information; receiving from a source information indicating that an online or offline financial transaction using the financial transaction account information is in progress; applying the one or more limits gathered from the user to approve or disapprove the online or offline or online financial transaction that is in progress; and transmitting an approval or disapproval signal to the source based on a result of the applying step.
Inventors
- 👤 Daniel Y. Fung
- 👤 Brandon C. Hood
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-07 10:35
CPC Classifications
G; G06; G06Q; G06Q30/00; G06Q30/06; G06Q20/00; G06Q20/08; G06Q20/10; G06Q20/108; G06Q20/38; G06Q20/40; G06Q40/00; G07; G07F; G07F7/00
Claims Analysis
Total Claims: 30
Claim 1
Independent Claim
192 words
A method for managing a user online financial transaction at a destination e-commerce web site, comprising: logging in the user to a destination e-commerce web site; transmitting an activation command to a financial institution processing financial transactions for activating a reusable, pre-existing, unaltered and permanent credit or debit card account number of the user while the user is logged into the destination e-commerce web site; submitting a charge request including the reusable, pre-existing, unaltered and permanent credit or debit card account number to the financial institution via the destination e-commerce web site while the reusable, pre-existing, unaltered and permanent credit or debit card account number is in the activated status; and transmitting a de-activation command to the financial institution for de-activating the reusable, pre-existing, unaltered and permanent credit or debit card account number, wherein the financial institution only accepts and processes charge requests received from e-commerce web sites while the reusable, pre-existing, unaltered and permanent credit or debit card account number is in the activated status and wherein the financial institution declines charge requests while the reusable, pre-existing, unaltered and permanent credit or debit card account number is in the de-activated status.
Claim 2
Independent Claim
192 words
A method for managing a user online financial transaction at a destination e-commerce web site, comprising: logging in the user to a destination e-commerce web site; transmitting an activation command to a financial institution processing financial transactions for activating a reusable, pre-existing, unaltered and permanent credit or debit card account number of the user while the user is logged into the destination e-commerce web site; submitting a charge request including the reusable, pre-existing, unaltered and permanent credit or debit card account number to the financial institution via the destination e-commerce web site while the reusable, pre-existing, unaltered and permanent credit or debit card account number is in the activated status; and transmitting a de-activation command to the financial institution for de-activating the reusable, pre-existing, unaltered and permanent credit or debit card account number, wherein the financial institution only accepts and processes charge requests received from e-commerce web sites while the reusable, pre-existing, unaltered and permanent credit or debit card account number is in the activated status and wherein the financial institution declines charge requests while the reusable, pre-existing, unaltered and permanent credit or debit card account number is in the de-activated status.
Claim 3
Dependent Claim
19 words
The method according to claim 1 , wherein the online financial transaction is performed from a central web site.
Claim 4
Dependent Claim
33 words
The method according to claim 2 , wherein the activation command is automatically transmitted to the financial institution when the user logs from the central web site into a destination e-commerce web site.
Claim 5
Dependent Claim
28 words
The method according to claim 2 , wherein the result of the processing of the online financial transaction is transmitted to the user via the central web site.
Claim 6
Dependent Claim
18 words
The method according to claim 2 , wherein the activation command is transmitted from the central web site.
Claim 7
Dependent Claim
18 words
The method according to claim 2 , wherein the de-activation command is transmitted from the central web site.
Claim 8
Dependent Claim
83 words
The method of claim 2 , further comprising: authenticating a user at a central web site; and transmitting from the central web site said activation signal to a financial transaction processor for processing of charge requests, wherein the financial transaction processor processes charge requests received form commerce sites while the reusable, pre-existing, unaltered and permanent credit or debit card account number is activated and declines charge requests while the reusable, pre-existing, unaltered and permanent credit or debit card account number is in de-activated.
Claim 9
Dependent Claim
33 words
The method according to claim 7 , wherein the commerce sites include online commerce sites and an offline commerce sites, and the charge requests include online charge requests and an offline charge requests.
Claim 10
Dependent Claim
42 words
The method according to claim 7 , wherein the user authentication includes at least one of authentication of the user based on a user name and password of the user and authentication of the user based on biometric information of the user.
Claim 11
Dependent Claim
42 words
The method according to claim 7 , wherein the de-activating of the reusable, pre-existing, unaltered and permanent credit or debit card account number is performed at the financial transaction processor alter the processing of charge requests without the de-activation command being received.
Claim 12
Dependent Claim
23 words
The method according to claim 2 , comprising presenting the user with the destination e-commerce web site the from the central web site.
Claim 13
Dependent Claim
19 words
The method according to claim 1 , wherein the user is automatically logged into the destination e-commerce web site.
Claim 14
Dependent Claim
72 words
The method according to claim 12 , further comprising: parsing a form web page of the destination e-commerce web site to extract form data fields therefrom; mapping form data fields of a central web site form to corresponding extracted form data fields of the form web page of the destination e-commerce web site; and using the mapped farm data fields to perform logging in the user at the destination e-commerce web site.
Claim 15
Dependent Claim
129 words
The method according to claim 13 , wherein the form web page of the destination e-commerce web site comprises a login form web page for the destination e-commerce web site, and the method further comprises: gathering user information data elements corresponding to form data fields of the central web site from the user; populating the form data fields of the login form web page of the destination e-commerce web site with corresponding user information data elements based on the data fields of the central web site form mapped to the extracted form data fields of the login form web page of the destination e-commerce web site; and transmitting the populated login form web page to the destination e-commerce web site to login the user at the destination web site.
Claim 16
Dependent Claim
143 words
The method according to claim 13 , wherein the form web page of the destination e-commerce web site comprises an online financial transaction form web page for the destination e-commerce web site, and the method further comprises: gathering user information data elements corresponding to form data fields of the central web site from the user; populating the form data fields of the online financial transaction form web page of the destination e-commerce web site with corresponding user information data elements based on the data fields of the central web site form mapped to the extracted form data fields of the online financial transaction form web page of the destination e-commerce web site; and transmitting me populated online financial transaction form web page to the destination e-commerce web site to execute an online financial transaction for the user at the destination e-commerce web site.
Claim 17
Dependent Claim
129 words
The according to claim 13 , wherein the form web page of the destination e-commerce web site comprises a registration form web page for the destination e-commerce web site, and the method further comprises: gathering user information data elements corresponding to form data fields of the central web site from the user; populating the form data fields of the registration form web page of the destination e-commerce web site with corresponding user information data elements based on the data fields of the central web site form mapped to the extracted form data fields of the registration form web page of the destination e-commerce web site; and transmitting the populated registration form web page to the destination e-commerce web site to register the user at the destination e-commerce web site.
Claim 18
Dependent Claim
19 words
The method according to claim 1 , wherein the activation command is transmitted from the destination e-commerce web site.
Claim 19
Dependent Claim
19 words
The method according to claim 1 , wherein the de-activation command is transmitted from the destination e-commerce web site.
Claim 20
Dependent Claim
45 words
The method according to claim 1 , further comprising: creating a unique user name and password for the user at the central web site; and using the unique user name and password to register the user at one or more other destination e-commerce web sites.
Claim 21
Dependent Claim
41 words
The method according to claim 1 , wherein the de-activation command to the financial institution is transmitted (i) a predetermined amount of time after the user went online to perform the online financial transaction or (ii) after the user went offline.
Claim 22
Dependent Claim
40 words
The method according to claim 1 , wherein the activation or de-activation commands are transmitted as one of an activation signal, an encrypted e-mail message, a secure facsimile message, a secure wireless communication message, and a secure telephone communication message.
Claim 23
Dependent Claim
76 words
The method according to claim 1 , further comprising: creating a unique online credit or debit card with a limited available balance based on the reusable, pre-existing, unaltered and permanent credit or debit card account number of the user; and allowing the user to execute a financial transaction using the unique online credit or debit card in place of the reusable, pre-existing, unaltered and permanent credit or debit card account number during the online financial transaction.
Claim 24
Dependent Claim
12 words
A system configured to perform the steps recited in claim 1 .
Claim 25
Dependent Claim
16 words
A storage medium storing a computer program for performing the steps recited in claim 1 .
Claim 26
Independent Claim
200 words
A system for managing a user online financial transaction at a destination e-commerce web site, comprising: means for logging in the user to a destination e-commerce web site; means for transmitting an activation command to a financial institution processing financial transactions for activating a reusable, pre-existing, unaltered and permanent credit or debit card account number of the user while the user is logged into the destination e-commerce web site; means for submitting a charge request including the reusable, pre-existing, unaltered and permanent credit or debit card account number to the financial institution via the destination e-commerce web site while the reusable, pre-existing, unaltered and permanent credit or debit card account number is in the activated status; and means for transmitting a de-activation command to the financial institution for de-activating the reusable, pre-existing, unaltered and permanent credit or debit card account number, wherein the financial institution only accepts and processes charge requests received from e-commerce web sites while the reusable, pre-existing, unaltered and permanent credit or debit card account number is in the activated status and wherein the financial institution declines charge requests while the reusable, pre-existing, unaltered and permanent credit or debit card account number is in the de-activated status.
Claim 27
Independent Claim
200 words
A system for managing a user online financial transaction at a destination e-commerce web site, comprising: means for logging in the user to a destination e-commerce web site; means for transmitting an activation command to a financial institution processing financial transactions for activating a reusable, pre-existing, unaltered and permanent credit or debit card account number of the user while the user is logged into the destination e-commerce web site; means for submitting a charge request including the reusable, pre-existing, unaltered and permanent credit or debit card account number to the financial institution via the destination e-commerce web site while the reusable, pre-existing, unaltered and permanent credit or debit card account number is in the activated status; and means for transmitting a de-activation command to the financial institution for de-activating the reusable, pre-existing, unaltered and permanent credit or debit card account number, wherein the financial institution only accepts and processes charge requests received from e-commerce web sites while the reusable, pre-existing, unaltered and permanent credit or debit card account number is in the activated status and wherein the financial institution declines charge requests while the reusable, pre-existing, unaltered and permanent credit or debit card account number is in the de-activated status.
Claim 28
Dependent Claim
37 words
The system according to claim 25 , wherein said means for logging, said means for transmitting said activation command, said means for submitting, and said means for transmitting said de-activation command comprise devices of a computer system.
Claim 29
Dependent Claim
41 words
The system according to claim 25 , wherein said means for logging, said means for transmitting said activation command, said means for submitting, and said means for transmitting said de-activation command comprise computer readable instructions recorded on a computer readable medium.
Claim 30
Dependent Claim
41 words
The method according to claim 1 , wherein the de-activating of the reusable, pre-existing, unaltered and permanent credit or debit card account number is performed at the financial institution after the processing of charge requests without the de-activation command being received.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2008-04-11 | 2008-10-11 | 2009-04-12 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2012-04-11 | 2012-10-11 | 2013-04-12 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2016-04-11 | 2016-10-11 | 2017-04-12 | $7700.00 | Window Closed / Lapsed |