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
83 Claims
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1-54. -54. (canceled)
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55. A method for accessing a plurality of service provider systems across a network through a host service provider using a single sign on, the method comprising:
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a host service provider receiving validation information from a user; the host service provider retrieving data from a validation database, based on the validation information from the user, wherein the data is effective for accessing at least one service provider system and is based at least in part on the validation information from the user; transmitting the data to at least one of the service provider systems; and directing the user to at least one of the service provider systems such that the user accesses information at the at least one of the service provider systems. - View Dependent Claims (56, 57, 58, 59, 60, 61, 62, 63, 64, 65)
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66. A system for accessing a plurality of service provider systems via a single sign on to a host service provider, the system comprising:
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a plurality of service provider systems; a data communication network; a host service provider for receiving the single login from a user and selectively directing the user to at least one of the service provider systems, the host service provider in communication with the service provider systems and the user over the data communication network, and the single login including validation information of the user; and a validation database for storing stored information for accessing the plurality of service provider systems, the host service provider retrieving the stored information from the validation database, and the host service provider comparing the stored information with the validation information received from the user so as to determine access to the plurality of service provider systems. - View Dependent Claims (67, 68, 69, 70, 71, 72, 73, 74, 75, 76, 77, 78)
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79. A method for accessing a plurality of separate service provider systems across a network through a host service provider, the method comprising:
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a host service provider receiving validation information from a user, the validation information including a user ID and a password; the host service provider retrieving data from a validation database, based on the validation information from the user, wherein the data is effective for accessing a plurality of service provider systems and is based at least in part on the validation information from the user; transmitting the data to a selected one of the service provider systems; and directing the user to the selected one of the service provider systems such that the user accesses information at the selected one of the service provider systems; the host service provider providing the user with a listing corresponding with the plurality of service provider systems, the listing based on the data from the validation database; the host service provider providing registration processing for registering further users such that the further users are provided access to accounts of the further users, the providing registration processing including; prompting a further user to create a user identification; prompting the further user to create a password; and establishing the further user identification and password with respect to the further user, wherein the creation and establishment steps occur online; and wherein the creation and establishment steps occur during a single online session; wherein the data in the validation database includes information regarding the profile of the user; wherein the user is an individual; and wherein the service provider systems and the host service provider communicate with the user over the Internet. - View Dependent Claims (80, 81, 82, 83)
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Specification