Self-service account enrollment system

• US 10,504,164 B2
• Filed: 09/12/2012
• Issued: 12/10/2019
• Est. Priority Date: 09/12/2012
• Status: Active Grant

• Current Assignee: Oracle International Corporation (Oracle Corporation)
• Original Assignee: Oracle International Corporation (Oracle Corporation)
• Inventors: Kundu, Mukul, Blaby, William
• Primary Examiner(s): Ouellette, Jonathan P
• Application Number:
  US13/611,202
• Publication Number:
  US 20140074490A1
• Time in Patent Office: 2,645 Days
• Field of Search: 713182, 705 41, 705304, 705346, 705 11-912
• CPC Class Codes: G06Q 30/016 After-sales
• CPC Class Codes: G06Q 30/0281 Customer communication at a business location, e.g. providing product or service information, consulting
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification

Abstract

A self-service account enrollment system is provided that enrolls a self-service user. The self-service account enrollment system links a user identity of the self-service user to an account identity of a self-service account within a web portal system. The self-service user gains access to the self-service account within the web portal system based on the link between the account identity and the user identity.

Claims

1. A non-transitory computer-readable medium having instructions stored thereon that, when executed by a processor, cause one or more processors to provide a self-service account enrollment to a self-service user, the providing comprising:

providing a web portal system accessible to the self-service user that displays, on a remote device associated with the self-service user, web page information from a plurality of sources in a unified manner, wherein the web portal system provides access to a plurality of self-service accounts;

providing an account management system that is communication with the web portal system via one or more web services and is at least one of the plurality of sources displayed on the web portal system, wherein the account management system manages account information regarding the self-service account and is decoupled from the web portal system, wherein the self-service user is a customer of the self-service account;

creating a self-service user identity and corresponding self-service password for the web portal system that allows the self-service user to log into to the web portal system, the self-service user identity associated with self-service login information about the self-service user, wherein the self-service login information is stored by the web portal system;

creating a second user identity and corresponding second password for the web portal system that allows a second user to log into to the web portal system, the second user identity associated with second login information about the second user, wherein the second login information is stored by the web portal system and the second user is a different user than the self-service user;

after the self-service user logs into the web portal system using the self-service user identity, and in a response to a request from the self-service user at the web portal system to start the enrollment, sending an instruction to start the enrollment from the web portal system to the account management system;

in response to the instruction to start the enrollment, providing validation questions from the account management system to the web portal system, wherein the validation questions are stored within the account management system and are related to the self-service account;

receiving answers to the validation questions from the self-service user at the web portal system and sending the validation questions to the account management system;

at the account management system, validating the answers to the validation questions and sending an account identity that identifies the self-service account to the web portal system;

at the web portal system, linking the self-service user identity of the self-service user to the account identity, wherein the self-service user gains access to the self-service account within the web portal system based on the link between the account identity and the self-service user identity; and

linking the second user identity of the second user to both the self-service user identity of the self-service user and the account identity within the web portal system, wherein the second user is automatically granted access to the self-service account based on the validation of the self-service user identity of the self-service user and based on the link between the account identity and the self-service user identity of the self-service user, the second user identity used by the second user to log into the web portal system.

2. The non-transitory computer-readable medium of claim 1, the enrolling further comprising removing the access to the self-service account from the second user by unlinking the second user identity from both the self-service user identity of the self-service user and the account identity within the web portal system.

3. The non-transitory computer-readable medium of claim 1, wherein the self-service user identity comprises an email address associated with the self-service user.

4. The non-transitory computer-readable medium of claim 3, wherein the login information associated with the self-service user identity comprises at least one of a name of the self-service user, a residence address of the self-service user, a billing address of the self-service user, or one or more roles associated with the self-service user.

5. The non-transitory computer-readable medium of claim 1,

wherein the self-service accounts are each associated with a different entity, and self-service account comprises an account type, and the validation questions are based on the account type.

6. The non-transitory computer-readable medium of claim 1, the enrolling further comprising:

displaying the validation questions at a user interface of the web portal system; and

receiving the answers to the validation questions from the self-service user via the user interface.

7. The non-transitory computer-readable medium of claim 1, wherein the request for validation, the validation questions, and the answers are sent and received over a web service.

8. The non-transitory computer-readable medium of claim 1, wherein the account identity comprises an account number of the self-service account.

9. The non-transitory computer-readable medium of claim 1, wherein the second user identity is created before the sending the instruction to start the enrollment from the web portal system to the account management system and before the self-service user gains access to the self-service account and the second user is not a customer of the self-service account.

10. A computer-implemented method for provide a self-service account enrollment to a self-service user, the computer-implemented method comprising:

providing a web portal system accessible to the self-service user that displays, on a remote device associated with the self-service user, web page information from a plurality of sources in a unified manner, wherein the web portal system provides access to a plurality of self-service accounts;

providing an account management system that is communication with the web portal system via one or more web services and is at least one of the plurality of sources displayed on the web portal system, wherein the account management system manages account information regarding the self-service account and is decoupled from the web portal system, wherein the self-service user is a customer of the self-service account;

creating a self-service user identity and corresponding self-service password for the web portal system that allows the self-service user to log into to the web portal system, the self-service user identity associated with self-service login information about the self-service user, wherein the self-service login information is stored by the web portal system;

creating a second user identity and corresponding second password for the web portal system that allows a second user to log into to the web portal system, the second user identity associated with second login information about the second user, wherein the second login information is stored by the web portal system and the second user is a different user than the self-service user;

after the self-service user logs into the web portal system using the self-service user identity, and in a response to a request from the self-service user at the web portal system to start the enrollment, sending an instruction to start the enrollment from the web portal system to the account management system;

in response to the instruction to start the enrollment, providing validation questions from the account management system to the web portal system, wherein the validation questions are stored within the account management system and are related to the self-service account;

receiving answers to the validation questions from the self-service user at the web portal system and sending the validation questions to the account management system;

at the account management system, validating the answers to the validation questions and sending an account identity that identifies the self-service account to the web portal system;

at the web portal system, linking the self-service user identity of the self-service user to the account identity, wherein the self-service user gains access to the self-service account within the web portal system based on the link between the account identity and the self-service user identity; and

linking the second user identity of the second user to both the self-service user identity of the self-service user and the account identity within the web portal system, wherein the second user is automatically granted access to the self-service account based on the validation of the self-service user identity of the self-service user and based on the link between the account identity and the self-service user identity of the self-service user, the second user identity used by the second user to log into the web portal system.

11. The computer-implemented method of claim 10, further comprising removing the access to the self-service account from the second user by unlinking the second user identity from both the self-service user identity of the self-service user and the account identity within the web portal system.

12. The computer-implemented method of claim 10, wherein the self-service user identity comprises an email address associated with the self-service user and the second user is not a customer of the self-service account.

13. The computer-implemented method of claim 10,

wherein the self-service account comprises an account type, and

wherein the validation questions are based on the account type.

14. The computer-implemented method of claim 10, wherein the login information associated with the self-service user identity comprises at least one of a name of the self-service user, a residence address of the self-service user, a billing address of the self-service user, or one or more roles associated with the self-service user.

15. The computer-implemented method of claim 10, wherein the self-service user identity comprises an email address associated with the self-service user, and the second user identity is created before the sending the instruction to start the enrollment from the web portal system to the account management system and before the self-service user gains access to the self-service account.

16. A self-service account enrollment system that provides a self-service account enrollment to a self-service user, the system comprising:

one or more processors;

a memory configured to store one or more instructions;

the processors, when executing the instructions, generating a web portal system accessible to the self-service user that displays, on a remote device associated with the self-service user, web page information from a plurality of sources in a unified manner, wherein the web portal system provides access to a plurality of self-service accounts; and

generating an account management system that is communication with the web portal system via one or more web services and is at least one of the plurality of sources displayed on the web portal system, wherein the account management system manages account information regarding the self-service account and is decoupled from the web portal system;

the processors, when executing the instructions, further;

creating a self-service user identity and corresponding self-service password for the web portal system that allows the self-service user to log into to the web portal system, the self-service user identity associated with self-service login information about the self-service user, wherein the self-service login information is stored by the web portal system, wherein the self-service user is a customer of the self-service account;

creating a second user identity and corresponding second password for the web portal system that allows a second user to log into to the web portal system, the second user identity associated with second login information about the second user, wherein the second login information is stored by the web portal system and the second user is a different user than the self-service user;

after the self-service user logs into the web portal system using the user identity, and in a response to a request from the self-service user at the web portal system to start the enrollment, sending an instruction to start the enrollment from the web portal system to the account management system;

in response to the instruction to start the enrollment, providing validation questions from the account management system to the web portal system, wherein the validation questions are stored within the account management system and are related to the self-service account;

receiving answers to the validation questions from the self-service user at the web portal system and sending the validation questions to the account management system;

at the account management system, validating the answers to the validation questions and sending an account identity that identifies the self-service account to the web portal system;

at the web portal system, linking the self-service user identity of the self-service user to the account identity, wherein the self-service user gains access to the self-service account within the web portal system based on the link between the account identity and the self-service user identity; and

linking the second user identity of the second user to both the self-service user identity of the self-service user and the account identity within the web portal system, wherein the second user is automatically granted access to the self-service account based on the validation of the self-service user identity of the self-service user and based on the link between the account identity and the self-service user identity of the self-service user, the second user identity used by the second user to log into the web portal system.

17. The self-service account enrollment system of claim 16, wherein the web portal system is further configured to remove the access to the self-service account from the second user by unlinking the second user identity from both the user identity of the self-service user and the account identity within the web portal system.

18. The self-service account enrollment system of claim 16, wherein the self-service user identity comprises an email address associated with the self-service user and the second user is not a customer of the self-service account.

19. The self-service account enrollment system of claim 16, wherein the self-service accounts are each associated with a different entity, and the self-service account comprises an account type, and

the validation questions are configured based on the account type.

20. The self-service account enrollment system of claim 16, wherein the self-service user identity comprises an email address associated with the self-service user, and the second user identity is created before the sending the instruction to start the enrollment from the web portal system to the account management system and before the self-service user gains access to the self-service account.