System, method and program for network user access
First Claim
1. In a network-based system, a computer-implemented method comprising:
- presenting a page on a network site sponsored by a hosting entity;
offering as part of the page an option to view user-specific data, wherein the user-specific data is located at a network site owned by a third party that is independent from the hosting entity;
registering the particular user with the hosting entity;
whereupon activation of the option on the hosting entity'"'"'s page by a particular user of the hosting entity, linking to the third party'"'"'s network site;
enabling access to the third party'"'"'s network site without registering the particular user with the third party; and
presenting, to the particular user, a new page at the third party'"'"'s network site that incorporates the user-specific data.
1 Assignment
0 Petitions
Accused Products
Abstract
An electronic financial system for providing financial services over the Internet has multiple billers, a service center, multiple financial institutions. The service center is responsible for distributing electronic bills on behalf of billers. The service center has a Web site that customers can directly access to examine their bills. The financial institutions also offer their own Web sites for their customers. Each financial institution'"'"'s Web site presents a home page that allows its customers to select different services, such as examining a checking or savings account balance, or conducting a funds transfer. These services are supported locally at the financial institution'"'"'s Web site. The home page also offers an option to view personal billing statements from the billers, which are stored at the service center. When the customer activates the option to view billing statements, the financial institution'"'"'s Web server links to the third party'"'"'s server to access the billing statements without exposing this link to the customer. The customer may actually be handed off to the third party'"'"'s Web site, or the financial institution'"'"'s Web server might connect to the service center'"'"'s server and use an OFX (Open Financial Exchange) protocol, and extensions to this protocol, to retrieve information from the third party'"'"'s server. The billing statements are branded with the financial institution'"'"'s name and logo to lead the customer to believe that the financial institution is providing the billing statements rather than the service center.
193 Citations
46 Claims
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1. In a network-based system, a computer-implemented method comprising:
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presenting a page on a network site sponsored by a hosting entity;
offering as part of the page an option to view user-specific data, wherein the user-specific data is located at a network site owned by a third party that is independent from the hosting entity;
registering the particular user with the hosting entity;
whereupon activation of the option on the hosting entity'"'"'s page by a particular user of the hosting entity, linking to the third party'"'"'s network site;
enabling access to the third party'"'"'s network site without registering the particular user with the third party; and
presenting, to the particular user, a new page at the third party'"'"'s network site that incorporates the user-specific data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 14, 15, 16, 17, 18, 19, 20, 21)
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13. In a network-based system, a computer-implemented method comprising:
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presenting a page on a network site sponsored by a hosting entity to a particular user;
requiring the particular user to logon with the hosting entity'"'"'s network site;
offering as part of the page an option to view user-specific data, wherein the user-specific data is located at a network site owned by a third party that is independent from the hosting entity;
whereupon activation of the option on the hosting entity'"'"'s page by the particular user of the hosting entity, linking to the third party'"'"'s network site;
enabling access to the third party'"'"'s network site without logging on the particular user with the third party'"'"'s network site; and
presenting, to the particular user, a new page at the third party'"'"'s network site that incorporates the user-specific data.
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22. In a network-based system, a computer-implemented method comprising:
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presenting a page on a network site sponsored by a hosting entity;
enabling users to register with the hosting entity in order to access information on the network site;
offering as part of the page an option to view user-specific data wherein the user-specific data is located at a network site owned by a third party that is independent from the hosting entity; and
whereupon activation of the option on the hosting entity'"'"'s page by a particular user of the hosting entity, linking to the third party'"'"'s network site without requiring the particular user to first register with the third party and presenting a new page at the third party'"'"'s network site. - View Dependent Claims (23, 24, 26, 27, 28, 29, 30, 31, 32)
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25. In a network-based system, a computer-implemented method comprising:
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presenting a page on a network site sponsored by a hosting entity;
prompting users to log on to the network site prior to permitting access to information on the network site;
offering as part of the page an option to view user-specific data wherein the user-specific data is located at a network site owned by a third party that is independent from the hosting entity; and
whereupon activation of the option on the hosting entity'"'"'s page by a particular user of the hosting entity, linking to the third party'"'"'s network site without requiring the particular user to log on to the third party'"'"'s network site and presenting a new page at the third party'"'"'s network site that incorporates the user-specific data.
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33. An electronic system for a network, comprising:
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a network server to support a network site sponsored by a hosting entity, the server presenting a page for the hosting entity'"'"'s network site that offers an option to view user-specific data, wherein the user-specific data is located at a third party that is independent from the hosting entity;
a server located at the third party to store the user-specific data; and
whereupon activation of the option on the hosting entity'"'"'s page by a particular user of the hosting entity, the network server being configured to link to the third party'"'"'s server by establishing a secure data connection between the hosting entity and the third party. - View Dependent Claims (34, 35, 36, 37, 38, 40, 41, 42)
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39. A program for an electronic system, the program being embodied on a computer-readable medium and executed on a server at a hosting entity, the program comprising:
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a code segment that, upon execution, renders a page sponsored by the hosting entity, the page containing an option to view data specific to a particular user that is located at a remote server owned by a third party that is independent from the hosting entity;
a code segment that, upon execution, formulates a token comprising at least one of the identity of the particular user, a data, an expiration date, and an identity of the hosting entity;
a code segment that, upon execution, encrypts the token;
a code segment that, upon execution, passes the encrypted token to the remote server; and
a code segment, responsive to activation of the option by the particular user, that, upon execution, transfers control to the remote server without exposing the transfer to the particular user and to pass an identity of the particular user to the remote server to enable the remote server to present the data specific to the particular user.
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43. A program for an electronic system, the program being embodied on a computer-readable medium and executed on a server at a hosting entity, the program comprising:
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a code segment that, upon execution, renders a first page sponsored by the hosting entity, the first page containing an option to view data specific to a particular user that is submitted to a third party by a fourth party, the data specific to the particular user electronic being located at a remote server owned by the third party that is independent from the hosting entity;
a code segment, responsive to activation of the option by the particular user, that, upon execution, establishes a secure data connection between the hosting entity and the third party at the remote server and to obtain the data specific to the particular user; and
a code segment that, upon execution, renders a second page that presents the data specific to the particular user. - View Dependent Claims (44, 46)
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45. A program for an electronic system, the program being embodied on a computer-readable medium and executed on a server that has access to electronic user specific data, comprising:
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a code segment that, upon execution, receives a request from a hosting entity to review the electronic user specific data belonging to a particular user of the hosting entity, the request containing indicia that identifies the hosting entity and an identity of the particular user;
a code segment that, upon execution, establishes a secure connection with both the particular user and a hosting entity from which to retrieve the electronic user specific data belonging to the particular user; and
a code segment that, upon execution, presents the electronic user specific data.
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Specification