Method, system and computer readable medium for web site account and e-commerce management from a central location

Abstract

A method, system and computer readable medium for managing a user online financial transaction at a destination ecommerce web site using a credit or debit card account of the user, including a) transmitting an activation command to a financial institution processing financial transactions for activating the credit or debit card account of the user; b) submitting a charge request for the credit or debit card account to the financial institution via a destination e-commerce web site to which the user is logged in while the credit or debit card account is in the activated status; and c) transmitting a de-activation command to said financial institution for de-activating the credit or debit card account, wherein the financial institution only accepts and processes charge requests received from e-commerce web sites while the credit or debit card account is in the activated status and wherein the financial institution declines charge requests while said credit or debit card account is in the de-activated status, and wherein steps a) to c) are repeated at least once.

1 . A method for managing a user online financial transaction at a destination ecommerce web site using a credit or debit card account of the user, comprising:
 a) transmitting an activation command to a financial institution processing financial transactions for activating the credit or debit card account of the user;   b) submitting a charge request for the credit or debit card account to the financial institution via a destination e-commerce web site to which the user is logged in while the credit or debit card account is in the activated status; and   c) transmitting a de-activation command to said financial institution for de-activating the credit or debit card account,   wherein the financial institution only accepts and processes charge requests received from e-commerce web sites while the credit or debit card account is in the activated status and wherein the financial institution declines charge requests while said credit or debit card account is in the de-activated status, and   wherein steps a) to c) are repeated at least once.   
     
     
         2 . The method according to  claim 1 , wherein the online financial transaction is performed from a central web site. 
     
     
         3 . 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 ecommerce web site. 
     
     
         4 . The method according to  claim 2 , wherein the user is automatically logged into the destination e-commerce web site. 
     
     
         5 . The method according to  claim 4 , comprising the steps of:
 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 form data fields to perform logging in the user at the destination e-commerce web site.   
     
     
         6 . The method according to  claim 5 , 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 ecommerce 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.   
     
     
         7 . The method according to  claim 5 , 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 the 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.   
     
     
         8 . The method according to  claim 2 , wherein the results of the processing of the online financial transaction is transmitted to the user via the central web site. 
     
     
         9 . The method according to  claim 2 , wherein the activation command is transmitted from the central web site. 
     
     
         10 . The method according to  claim 2 , wherein the activation command is transmitted from the destination e-commerce web site. 
     
     
         11 . The method according to  claim 2 , wherein the de-activation command is transmitted from the central web site. 
     
     
         12 . The method according to  claim 2 , wherein the de-activation command is transmitted from the destination ecommerce web site. 
     
     
         13 . The method according to  claim 2 , 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 ecommerce web site to register the user at the destination e-commerce web site.   
     
     
         14 . The method according to  claim 1 , further comprising:
 creating a unique user name and password for the user at said central web site; and   using said unique user name and password to register said user at one or more other destination e-commerce web sites.   
     
     
         15 . 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. 
     
     
         16 . 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. 
     
     
         17 . The method according to  claim 1 , further comprising:
 creating a unique online credit or debit card with a limited available balance based on an existing credit card of a user; and   allowing said user to execute a financial transaction using said unique online credit or debit card in place of said existing credit card during the online financial transaction.   
     
     
         18 . A computer program product including one or more computer readable instructions embedded on a computer readable medium and configured to cause one or more processors to perform the steps recited in  claim 1 . 
     
     
         19 . A computer system including one or more computer hardware and/or software devices configured to perform the steps recited in  claim 1 .