System and method for single sign on process for websites with multiples applications and services
First Claim
1. A method for adding financial accounts to a financial account profile, the method comprising:
- receiving a request from a user to access a financial account profile, the financial account profile comprising one or more established financial accounts to which the user has access;
determining whether one or more additional financial accounts are available in addition to the one or more established financial accounts;
determining ownership verification information requirements for each of the one or more additional financial accounts;
ranking the ownership verification information requirements for each of the one or more additional financial accounts on the basis of the stringency of the ownership verification information requirements for each of the one or more additional financial accounts;
comparing the ranked ownership verification information requirements for the one or more additional financial accounts with user-provided ownership verification information;
determining which of the one or more additional financial accounts has the highest level of ownership verification information requirements satisfied by the user-provided ownership verification information; and
offering the user access to a selection of available new accounts comprising;
the additional financial account having the highest level of ownership verification information requirements satisfied by the user-provided ownership verification information; and
any other additional financial accounts having less stringent ownership verification information requirements than the additional financial account having the highest level of ownership verification information requirements satisfied by the user-provided ownership verification information.
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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
20 Claims
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1. A method for adding financial accounts to a financial account profile, the method comprising:
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receiving a request from a user to access a financial account profile, the financial account profile comprising one or more established financial accounts to which the user has access; determining whether one or more additional financial accounts are available in addition to the one or more established financial accounts; determining ownership verification information requirements for each of the one or more additional financial accounts; ranking the ownership verification information requirements for each of the one or more additional financial accounts on the basis of the stringency of the ownership verification information requirements for each of the one or more additional financial accounts; comparing the ranked ownership verification information requirements for the one or more additional financial accounts with user-provided ownership verification information; determining which of the one or more additional financial accounts has the highest level of ownership verification information requirements satisfied by the user-provided ownership verification information; and offering the user access to a selection of available new accounts comprising; the additional financial account having the highest level of ownership verification information requirements satisfied by the user-provided ownership verification information; and any other additional financial accounts having less stringent ownership verification information requirements than the additional financial account having the highest level of ownership verification information requirements satisfied by the user-provided ownership verification information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method for adding financial accounts to a financial account profile, the method comprising:
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receiving a request from a user to access a financial account profile, the financial account profile comprising one or more established financial accounts to which the user has access; determining whether one or more additional financial accounts are available in addition to the one or more established financial accounts; determining ownership verification information requirements for each of the one or more additional financial accounts; ranking the ownership verification information requirements for each of the one or more additional financial accounts on the basis of the stringency of the ownership verification information requirements for each of the one or more additional financial accounts; comparing the ranked ownership verification information requirements for the one or more additional financial accounts with user-provided ownership verification information; determining which of the one or more additional financial accounts has the highest level of ownership verification information requirements satisfied by the user-provided ownership verification information; and granting the user access to a selection of available new accounts comprising; the additional financial account having the highest level of ownership verification information requirements satisfied by the user-provided ownership verification information; and any other additional financial accounts having less stringent ownership verification information requirements than the additional financial account having the highest level of ownership verification information requirements satisfied by the user-provided ownership verification information. - View Dependent Claims (11, 12, 13, 14, 15, 16)
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17. A method for adding financial accounts to a financial account profile, the method comprising:
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receiving a request from a user to access a financial account profile, the financial account profile comprising one or more established financial accounts to which the user has access; determining whether one or more additional financial accounts are available in addition to the one or more established financial accounts; determining ownership verification information requirements for each of the one or more additional financial accounts; comparing the ownership verification information requirements for the one or more additional financial accounts with user-provided ownership verification information; and automatically offering the user access to a selection of available new accounts comprising any of the one or more additional financial accounts having ownership verification information requirements that are satisfied by the ownership verification information provided by the user prior to the request from the user to access the financial account profile. - View Dependent Claims (18, 19, 20)
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Specification