System and method for single sign on process for websites with multiple applications and services
First Claim
1. A method for accessing a plurality of financial accounts using a single sign on procedure, the method comprising the steps of:
- receiving a request from a user to access the plurality of financial accounts;
prompting the user for a user identification;
receiving the user identification from the user;
prompting the user for a password;
receiving the password from the user;
determining the ownership verification information requirements for each of the plurality of financial accounts;
ranking the ownership verification information requirements for each of the plurality of financial accounts on the basis of the stringency of the ownership verification information requirements for each of the plurality of financial accounts;
prompting the user for user-provided ownership verification information related to the financial account with the most stringent ownership verification information requirements;
receiving the user-provided ownership verification information from the user; and
determining whether the user-provided ownership verification information satisfies the ownership verification information requirements of the financial account with the most stringent ownership verification information requirements, and, if so, then providing the user with the requested access to the plurality of financial accounts.
2 Assignments
0 Petitions
Accused Products
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 it'"'"'s 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.
-
Citations
26 Claims
-
1. A method for accessing a plurality of financial accounts using a single sign on procedure, the method comprising the steps of:
-
receiving a request from a user to access the plurality of financial accounts; prompting the user for a user identification; receiving the user identification from the user; prompting the user for a password; receiving the password from the user; determining the ownership verification information requirements for each of the plurality of financial accounts; ranking the ownership verification information requirements for each of the plurality of financial accounts on the basis of the stringency of the ownership verification information requirements for each of the plurality of financial accounts; prompting the user for user-provided ownership verification information related to the financial account with the most stringent ownership verification information requirements; receiving the user-provided ownership verification information from the user; and determining whether the user-provided ownership verification information satisfies the ownership verification information requirements of the financial account with the most stringent ownership verification information requirements, and, if so, then providing the user with the requested access to the plurality of financial accounts. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
-
-
16. A method for controlling access to a financial services Internet site comprising the steps of:
-
receiving a request from a user to sign up to the financial services Internet site; determining if the user is a customer having a plurality of financial accounts at the financial institution operating the financial services Internet site; allowing the user to create a user identification and password regardless of whether the user is a customer; if the user is a customer; displaying a list of the plurality of financial accounts to the user; receiving a list of selected financial accounts from the user; determining the ownership verification information requirements for each of the selected financial accounts; ranking the ownership verification information requirements for each of the selected financial accounts on the basis of the stringency of the ownership verification requirements for each of the selected financial accounts; prompting the user for user-provided ownership verification information related to the selected financial account with the most stringent ownership verification requirements; receiving the ownership verification information from the user; and determining whether the user-provided ownership verification information satisfies the ownership verification information requirements of the financial account with the most stringent ownership verification information requirements, and, if so, then displaying a summary of the plurality of financial accounts to the user. - View Dependent Claims (17, 18, 19, 20, 21)
-
-
22. A system for controlling access to financial accounts comprising:
-
an interface to a network, wherein a user can connect to the interface through the network; at least one network server coupled to the interface, the network server communicating with the user to; receive a request from the user to access at least one of two or more financial accounts, receive a user identification and password from the user, and receive user-provided ownership verification information from the user related to at least one of the two or more financial accounts; a first financial system maintaining a first of the two or more financial accounts, the first financial account requiring a first amount of ownership verification information to grant access thereto; a second financial system maintaining a second of the two or more financial accounts, the second financial account requiring a second amount of ownership verification information to grant access thereto; an application server coupled to the network server, the first financial system and the second financial system;
the application server adapted to;compare the first amount of ownership verification information with the second amount of ownership verification information to determine which of the first financial account and second financial account requires the most stringent ownership verification information; determine whether the user-provided ownership verification information satisfies the ownership verification information required by the financial account that requires the most stringent verification information, and, if so, then grant the user access to both the first financial account and the second financial account. - View Dependent Claims (23, 24, 25, 26)
-
Specification