Method and apparatus for configuring and establishing a secure credential-based network link between a client and a service over a data-packet-network

• US 7,729,283 B2
• Filed: 12/30/2004
• Issued: 06/01/2010
• Est. Priority Date: 06/01/1999
• Status: Expired due to Term

• Current Assignee: Yodlee Incorporated (Envestnet Incorporated)
• Original Assignee: Yodlee.com, Inc. (Envestnet Incorporated)
• Inventors: Ferguson, Hill, Hayward, Blake, Satyavolu, Ramakrishna
• Primary Examiner(s): Wilson; Robert W
• Application Number:
  US11/027,724
• Publication Number:
  US 20050216824A1
• Time in Patent Office: 1,979 Days
• Field of Search: None
• US Class Current: 370/254
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06F 16/957 Browsing optimisation, e.g. caching or content distillation
• CPC Class Codes: G06F 16/958 Organisation or management of web site content, e.g. publishing, maintaining pages or automatic linking
• CPC Class Codes: G06F 21/31 User authentication
• 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: G06F 2221/2119 Authenticating web pages, e.g. with suspicious links
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: H04L 63/083 using passwords cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226
• CPC Class Codes: H04L 65/1101 Session protocols
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]
• CPC Class Codes: H04L 67/025 for remote control or remote monitoring of applications
• CPC Class Codes: H04L 67/14 Session management for real-time applications in data packet communications networks H04L65/1066
• CPC Class Codes: H04L 67/289 Intermediate processing functionally located close to the data consumer application, e.g. in same machine, in same home or in same sub-network
• CPC Class Codes: H04L 67/56 Provisioning of proxy services store-and-forward switching systems in data switching networks H04L12/54
• CPC Class Codes: H04L 67/567 Integrating service provisioning from a plurality of service providers

Abstract

A system for establishing a direct network connection between a first and a second node over a data-packet-network includes a third network node having connection to the data-packet-network for providing an electronic interface accessible to the first node; a navigation agent directed by the third network node for navigating over the network to the second node to gather information; and at least one machine-readable instruction containing the instruction for directing and implementing the direct network connection. The electronic interface may be a Web page providing bill consolidation and payment services to a client operating the first node and wherein the connection established via the instruction enables transparent login payment of a bill at the second node, which may be a direct billing party interface of the client registered and listed on the Web page.

Claims

1. A method for performing network enabled bill payment comprising:

(a) accessing on behalf of a client operating a client machine including a memory and processor, a plurality of billing servers by a data-consolidation service provided by a software instance executing on a server of the data consolidation service, the data-consolidation service logging in to the plurality of billing servers on behalf of the client with log-in credentials provided by the client;

(b) gathering and storing by the data-consolidation service on behalf of the client bill payment data including bills to be paid by the client to individual ones of the billing servers;

(c) providing by the data-consolidation service an interactive interface to the client, enabling the client to review stored bill-payment data and to select bills to be paid;

(d) upon the client selecting, via the interactive interface, a bill to be paid to the specific billing service, transmitting by the consolidation service a deep-link plug-in (DLP) to the client machine, the client machine storing the DLP in memory and executing the DLP on the processor , the execution accomplishing a direct network connection to the specific billing server, logging in on behalf of the client using log-in credential provided to the data-consolidation service by the client and subsequently embedded in the DLP, enabling the client to pay the selected bill by direct interaction with the billing server without further involvement by the data-consolidation service.

2. The method of claim 1, wherein the client'"'"'s connection to the interactive interface provided by the data-consolidation service remains intact when the client machine is directly connected the specific bill server by the DLP and the client is enabled to select and pay bills to the plurality of bill servers in sequence while maintaining connection to the interactive interface and the connections to the specific bill servers are accomplished for the client automatically by the DLP without requiring the client to enter the log-in credentials or to navigate to a specific destination at the specific bill server.

3. The method of claim 1, wherein the DLP provides confirmation and acceptance of new payment information.