System and method for single sign on process for websites with multiple applications and services
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Abstract
A system and method for integrating the Internet front end -sign on processes of the various systems of a financial institution which allows a customer to view and access its various financial accounts with the institution. During the initial sign up for the online access. to its accounts, a customer creates his/her User ID and password online during the same session. Once the customer has signed on (password) and verified ownership of at least one account, the system displays all of the customer'"'"'s accounts that are available for access via the Internet website. The online ownership verification uses only a single account of the customer and the ownership verification criteria associated with the account. The account used for verifying a customer is first determined based on the accounts selected by the customer for accessing online. From the selected accounts, the system of the present invention creates a verification hierarchy with respect to the accounts. When determining the verification to use for the single ownership verification, the present invention selects the account from the hierarchy with the most stringent requirements.
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Citations
54 Claims
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1-34. -34. (canceled)
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35. A method for controlling access to a plurality of financial accounts, the method comprising:
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establishing a user account comprising;
establishing a user identification associated with the user account, establishing a user password associated with the user identification, displaying available financial services to the user, receiving from the user a selection of desired financial services comprising one or more of the available financial services, authorizing the user comprising;
identifying one or more legal agreements associated with the desired financial services, presenting the one or more legal agreements to the user for acceptance, receiving acceptance of at least one of the one or more legal agreements from the user, and designating one or more authorized financial services, the one or more authorized financial services comprising the one or more desired financial services for which the user has accepted the respective one or more legal agreements; and
providing access to the user account, subsequent to establishing the user account, comprising;
receiving the user identification and user password, verifying the user identification and user password, determining whether one or more updated legal agreements exist for any of the one or more authorized financial services, presenting the one or more updated legal agreements to the user for acceptance, receiving acceptance of at least one of the one or more updated legal agreements, and granting the user access to one or more updated authorized financial services, the one or more updated authorized financial services comprising each of the one or more authorized financial services for which the user has accepted the respective one or more updated legal agreements, and each of the one or more authorized financial services for which no updated legal agreement was determined to exist. - View Dependent Claims (36, 37, 38, 39, 40, 41, 42, 43, 44)
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45. A system for controlling access to a plurality of financial accounts, the system comprising:
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a user account establishment system comprising one or more processors adapted to;
establish a user identification associated with a user and a user account, establish a user password associated with the user identification, interface with a user terminal to display available financial services to a user, interface with the user terminal to receive from the user a selection of desired financial services comprising one or more of the available financial services, identify one or more legal agreements associated with the desired financial services, interface with the user terminal to present the one or more legal agreements to the user for acceptance, interface with the user terminal to receive acceptance of at least one of the one or more legal agreements from the user, and designate one or more authorized financial services, the one or more authorized financial services comprising the one or more desired financial services for which the user has accepted the respective one or more legal agreements; and
an account access system comprising one or more processors adapted to;
interface with the user terminal to receive the user identification and user password, verify the user identification and user password, determine whether one or more updated legal agreements exist for any of the one or more authorized financial services, interface with the user terminal to present the one or more updated legal agreements to the user for acceptance, interface with the user terminal to receive acceptance of at least one of the one or more updated legal agreements, and interface with the user terminal to provide the user access to one or more updated authorized financial services, the one or more updated authorized financial services comprising each of the one or more authorized financial services for which the user has accepted the respective one or more updated legal agreements, and each of the one or more authorized financial services for which no updated legal agreement was determined to exist. - View Dependent Claims (46, 47, 48, 49, 50, 51, 52, 53, 54)
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Specification