System and method for providing customers with seamless entry to a remote server
First Claim
1. A banking system for offering a plurality of financial services to customers via a sign-on process, comprising:
- a host server;
a universal session manager operatively disposed on the host server, the universal session manager maintaining the sign-on process;
an interface to a plurality of remote servers by which a customer interfaces with the remote servers, the interface generated by the universal session manager, the interface having multiple frames; and
a validation module operatively linked to the universal session manager through an electronic network, such that the universal session manager retrieves validation information from the validation database in order to validate a customer;
the universal session manager, in conjunction with the validation module, enabling customers of the banking system to access the host server and the plurality of remote servers via a single login to the host server;
the host server providing a consolidated homepage, via the interface, that gives a customer summary information on accounts of the customer with the banking system, and the host server further providing links to the accounts in a first frame of the interface, the accounts being respectively maintained by the plurality of remote servers; and
upon selection of a link by a customer, the universal session manager;
checks, based on information in the validation database, that the customer is allowed access to the remote server;
provides access to a particular remote server, by hosting the remote server in a second frame of the interface, so as to allow the customer use of services on the remote server; and
simultaneously presents the first frame, containing the links to the accounts, while presenting the second frame; and
the universal session manager monitoring access to the remote server to observe customer activity; and
the universal session manager sending a communication to the remote server based on observing the customer activity.
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Accused Products
Abstract
The present invention provides a seamless entry system that comprises a universal session manager. Users connect to the host service provider with a unique username and password. Then, through a series of data exchanges between the universal session manager, a validation database, and the remote service module, the customer may be transparently logged into remote service providers. Internet banking customers utilize a browser system to connect to a host server providing a range of banking services supported by a remote or distinct server. According to the method, the customer first enters a username and password to gain access to the host service provider. The universal session manager transmits data required for login to the remote service provider. The user is thus able to utilize the remote services with his/her web browser system without having entered a username or password particular to the remote service.
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Citations
20 Claims
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1. A banking system for offering a plurality of financial services to customers via a sign-on process, comprising:
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a host server; a universal session manager operatively disposed on the host server, the universal session manager maintaining the sign-on process; an interface to a plurality of remote servers by which a customer interfaces with the remote servers, the interface generated by the universal session manager, the interface having multiple frames; and a validation module operatively linked to the universal session manager through an electronic network, such that the universal session manager retrieves validation information from the validation database in order to validate a customer; the universal session manager, in conjunction with the validation module, enabling customers of the banking system to access the host server and the plurality of remote servers via a single login to the host server; the host server providing a consolidated homepage, via the interface, that gives a customer summary information on accounts of the customer with the banking system, and the host server further providing links to the accounts in a first frame of the interface, the accounts being respectively maintained by the plurality of remote servers; and upon selection of a link by a customer, the universal session manager; checks, based on information in the validation database, that the customer is allowed access to the remote server; provides access to a particular remote server, by hosting the remote server in a second frame of the interface, so as to allow the customer use of services on the remote server; and simultaneously presents the first frame, containing the links to the accounts, while presenting the second frame; and the universal session manager monitoring access to the remote server to observe customer activity; and the universal session manager sending a communication to the remote server based on observing the customer activity. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method for accessing a plurality of financial services offered by a banking system comprising a host server and a plurality of remote servers operatively linked across an electronic network, the method comprising:
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receiving login information, for accessing the host server, from a customer; the host server providing a consolidated homepage providing (1) an overview of available services that can be accessed a single login on to the banking system, and (2) links to the available services, the consolidated homepage including a first frame and a second frame; retrieving data for accessing at least one remote server based at least in part on the received login information; transmitting said data to the at least one remote server; authenticating that access by the customer to the at least one remote server is allowed; and transparently connecting the customer to the remote server such that the customer is provided access to the remote server, by hosting the remote server in the second frame of the interface, so as to allow the customer use of services on the remote server, the method including simultaneously presenting the first frame, containing the links to the accounts, while presenting the second frame; monitoring access to the remote server to observe a customer activity; and sending a communication to the remote server based on observing the customer activity. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
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Specification