System and method for providing customers with seamless entry to a remote server

• US 20030101116A1
• Filed: 11/28/2001
• Published: 05/29/2003
• Est. Priority Date: 06/12/2000
• Status: Active Grant

• Current Assignee: Chase Manhattan Mortgage Corporation (JP Morgan Chase & Co)
• Original Assignee: Chase Manhattan Mortgage Corporation (JP Morgan Chase & Co)
• Inventors: Rosko, Robert J., Gudipati, Jayashree
• Granted Patent: US 8,438,086 B2
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06F 21/41 where a single sign-on provides access to a plurality of computers
• CPC Class Codes: G06F 2221/2115 Third party
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: Y10S 707/99953 Recoverability
• CPC Class Codes: Y10S 707/99954 Version management

Abstract

The present invention provides a seamless entry system that comprises a universal session manager. Users connect to the host service provider with a unique username and password. Then, through a series of data exchanges between the universal session manager, a validation database, and the remote service module, the customer may be transparently logged into remote service providers. Internet banking customers utilize a browser system to connect to a host server providing a range of banking services supported by a remote or distinct server. According to the method, the customer first enters a username and password to gain access to the host service provider. The universal session manager transmits data required for login to the remote service provider. The user is thus able to utilize the remote services with his/her web browser system without having entered a username or password particular to the remote service.

Claims

1. A banking system for offering a plurality of financial services to customers via a login, comprising:

a host server;

an interface to at least one remote server;

a universal session manager; and

a validation module operatively linked through an electronic network;

said universal session manager and validation module enabling customers of the banking system to access the host server and the at least one remote server via a single login to either the host server or the at least one remote server.

2. The banking system of claim 1, wherein said host server provides a consolidated homepage that gives a customer a read-only summary of information on all active accounts of the customer with the banking system, and links to said active accounts.

3. The banking system of claim 2, wherein said consolidated homepage includes value-add features.

4. The banking system of claim 2, wherein said consolidated homepage includes customizable features.

5. The banking system of claim 1, wherein said validation module further includes a database storing information required for registering a customer in the remote service provider.

6. The banking system of claim 1, further comprising a trusted service module that serves as an intermediary between the host server and a trusted service provider.

7. The banking system of claim 1, wherein said trusted service provider comprises a remote server with special access requirements.

8. The banking system of claim 1, where the remote service provider further comprises a registration module and a login module.

9. The banking system of claim 1, wherein the login module receives the data for gaining access to the services provided by the remote service provider.

10. The banking system of claim 1, wherein the registration module receives the data for registering a customer in the remote service provider.

11. The banking system of claim 2, wherein the consolidated homepage provides automated clearinghouse access.

12. A method for accessing a plurality of financial services offered by a banking system comprising a host server and a plurality of remote servers operatively linked across an electronic network, the method comprising:

receiving login information for accessing the host server from a customer;

retrieving data for accessing at least one remote server based at least in part on the received login information;

transmitting said data to the at least one remote server; and

transparently connecting the customer to the remote server.

13. The method of claim 12, further comprising the host server providing a consolidated homepage providing an overview of all the available services that can be accessed a single login on to the banking system.

14. The method of claim 13, wherein said consolidated homepage provides a customer products and with a read-only summary of information on all active accounts of the customer with the banking system.

15. The method of claim 13 wherein said consolidated homepage provides a customer with information on value-add features.

16. The method of claim 13, wherein said consolidated homepage is customizable by the customer to show only active accounts, information and views the customer wishes to have displayed upon successful login.

17. The method of claim 13, wherein said consolidated homepage provides automated clearinghouse access.

18. The method of claim 13, further comprising:

a customer accessing a credit card service or a bill payment service.

19. The method of claim 13, further comprising the steps of:

authenticating the identity of a customer; and

transparently login the customer to all the services for which the customer has signed up.

20. The method of claim 13, wherein said consolidated homepage includes:

a tab for accessing all active accounts;

a tab for accessing banking products and services a customer may be entitled to have but does not currently have; and

a planning tab for providing financial planning assistance.

21. The method of claim 13, further comprising:

determining customer data, and customer preferences; and

dynamically generating a customized homepage based on said customer data and customer preferences.

22. The method of claim 13, further comprising dynamically determining what offers to target to customers.

23. The method of claim 13, further comprising:

a customer bookmarking an internal service page; and

directly accessing said bookmarked service page without accessing the homepage.

24. The method of claim 13, further comprising a customer accessing a frequently asked questions page with links to information sources.

25. The method of claim 13, further comprising the steps of:

a customer linking to the host server or a remote server from a partnered site.

26. The method of claim 25, wherein said partnered site comprises a search engine.