Method and system for verifying state of a transaction between a client and a service over a data-packet-network

• US 8,423,648 B2
• Filed: 12/29/2004
• Issued: 04/16/2013
• 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): CHRISTENSEN, SCOTT B
• Application Number:
  US11/027,669
• Publication Number:
  US 20050198377A1
• Time in Patent Office: 3,030 Days
• Field of Search: 709/203, 709/217, 709/219, 709/223, 709/224, 709/229, 709/232, 709/238
• US Class Current: 709/227
• 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 21/41 where a single sign-on provides access to a plurality of computers
• CPC Class Codes: G06F 2221/2101 Auditing as a secondary aspect
• CPC Class Codes: G06F 2221/2105 Dual mode as a secondary aspect
• CPC Class Codes: G06F 2221/2111 Location-sensitive, e.g. geographical location, GPS
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: H04L 63/10 for controlling access to devices or network resources
• 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 67/289 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 verifying communication established between a first and a second node over a data-packet-network includes a third network node accessible from the first node over the data-packet-network, the third node containing network location information of the second node and the network location information of at least one resource accessible there from; and a navigation agent directed by the third network node for navigating over the network to the second node and to the at least one resource to gather information. In a preferred embodiment, the information gathered includes indication of receipt of data sent from the first node at the second node and indication of confirmation or authorization to access services.

Claims

1. A transaction verification service operating by software stored on memory on a computerized server and executed by the server connected to the Internet at a first site, comprising:

a deep link plug-in (DLP) provided to a client for establishing a direct credential-based connection between the client and a second Internet site connected to the Internet;

a first software instance receiving information concerning a request made from the client submitting the request for authorization to start a new service for the client via the DLP at the second Internet service site, the information including at least Internet assertable addresses to access status information regarding the acceptance of the request for new service at the second Internet service site;

a second software instance navigating to the second Internet service site, providing the client'"'"'s login credentials and querying the second Internet service site repeatedly at a pre-programmed interval, after the request for new service was submitted to the second Internet service site and before acceptance of the request for new service by the second Internet service site, for status confirming successful receipt and acceptance of client information provided in the request and regarding progress in responding to the request, the status at least confirming receipt of client information required to start the new service; and

a third software instance messaging the client submitting the request at the second Internet service site, the messages including at least one of pop-up, instant message or personal notification window hosted by the first site, regarding state of the progress of the request for new service between the person and the second Internet service site, and state of the progress of authorization for the client to access the requested new service at the second Internet service site.

2. The system of claim 1 wherein the client submitting the request for authorization and access at the second Internet service site operates from a computing appliance enabled to access the Internet via a browser.

3. The system of claim 1 wherein the Internet assertable addresses are provided to the first Internet site by the client requesting access before communication and service authorization is verified.

4. The system of claim 1 wherein messages regarding state of progress includes acknowledgement that client information sent to the second service site was received.

5. The system of claim 1 wherein messages regarding state of authorization include acknowledgement that service access and interaction has been approved for the client.

6. A method for verifying access to services at a computerized server connected to the Internet executing software from memory, comprising:

(a) providing by the software a deep link plug-in (DLP) to a person for establishing a direct credential-based connection between the person and a second Internet site connected to the Internet;

(b) receiving information at the server at a first Internet service site concerning a request for a new service made by the person, via the DLP, seeking authorization to access a new service at a second Internet service site connected to the Internet, the information including at least Internet assertable addresses to access information regarding the request at the second Internet service site;

(c) navigating to the second Internet service site, by the software, and providing the client'"'"'s login credentials and querying the second Internet service site repeatedly at a pre-programmed interval by the server, after the request for new service was submitted to the second Internet service site and before completion of the request for new service by the second Internet service site, for status confirming successful receipt of the request at the second Internet service site and regarding progress in responding to the request; and

(d) messaging the person seeking authorization at the second Internet service site by the server, the messages including at least one of pop-up, instant message or personal notification window hosted by the server, the messages regarding state of progress of acceptance of personal information included in the request for new service between the person and the second Internet service site, and progress of state of authorization for the person to access the requested new service at the second Internet service site.

7. The method of claim 6 wherein the person seeking authorization and access at the second Internet service site operates from a computing appliance enabled to access the Internet via a browser.

8. The method of claim 6 wherein the Internet assertable addresses are provided to the first Internet site by the person seeking access before communication and service authorization is verified.

9. The method of claim 6 wherein messages regarding state of progress includes acknowledgement that information sent to the second site from the person was received and accepted.

10. The method of claim 6 wherein messages regarding state of authorization include acknowledgement that service access and interaction has been approved for the person.