System and method for single sign on process for websites with multiple applications and services
First Claim
1. A method for controlling access to a financial account, the method comprising:
- receiving a selection from a user to access at least one financial service from a plurality of financial services associated with a user account;
identifying, using at least one computer processor, one or more updated legal agreements associated with the selected at least one financial service, wherein the one or more updated legal agreements were updated since a previous user acceptance or previous user access to the selected at least one financial service;
providing, to an electronic device, the one or more updated legal agreements for user acceptance;
receiving user acceptance to the one or more updated legal agreements;
authorizing access to the user account based on the received user acceptance; and
providing access to the user account, wherein access is provided to the at least one financial service corresponding to the accepted one or more updated legal agreements.
3 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 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.
1007 Citations
26 Claims
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1. A method for controlling access to a financial account, the method comprising:
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receiving a selection from a user to access at least one financial service from a plurality of financial services associated with a user account; identifying, using at least one computer processor, one or more updated legal agreements associated with the selected at least one financial service, wherein the one or more updated legal agreements were updated since a previous user acceptance or previous user access to the selected at least one financial service; providing, to an electronic device, the one or more updated legal agreements for user acceptance; receiving user acceptance to the one or more updated legal agreements; authorizing access to the user account based on the received user acceptance; and providing access to the user account, wherein access is provided to the at least one financial service corresponding to the accepted one or more updated legal agreements. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A non-transitory computer readable medium comprising code to perform the steps of:
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receiving a selection from a user to access at least one financial service from a plurality of financial services associated with a user account; identifying one or more updated legal agreements associated with the selected at least one financial service, wherein the one or more updated legal agreements were updated since a previous user acceptance or previous user access to the selected at least one financial service; presenting the one or more updated legal agreements for user acceptance; receiving user acceptance to the one or more updated legal agreements; authorizing access to the user account based on the received user acceptance; and providing access to the user account, wherein access is provided to the at least one financial service corresponding to the accepted one or more updated legal agreements.
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11. A system for controlling access to a financial account, the system comprising:
a receiver and at least one computer processor, wherein the system is configured to; receive, at the receiver, a selection from a user to access at least one financial service from a plurality of financial services associated with a user account; identify, at the at least one computer processor, one or more updated legal agreements associated with the selected at least one financial service, wherein the one or more updated legal agreements were updated since a previous user acceptance or previous user access to the selected at least one financial service; present, by the at least one computer processor, the one or more updated legal agreements for user acceptance; receive, at the receiver, user acceptance to the one or more updated legal agreements; authorizing, by the at least one computer processor, access to the user account based on the received user acceptance; and providing, by the at least one computer processor, access to the user account, wherein access is to the at least one financial service of the user account corresponding to the accepted one or more updated legal agreements. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19)
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20. A method for controlling access to a financial account, the method comprising:
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receiving a selection from a user to access a plurality of financial services associated with a user account; identifying, using at least one computer processor, one or more updated legal agreements associated with each of the plurality of financial services, wherein the one or more updated legal agreements were updated since a previous user acceptance or previous user access to the selected at least one financial service; providing, to an electronic device, the one or more updated legal agreements for user acceptance; receiving user acceptance to the one or more updated legal agreements; authorizing access to the financial services of the user account associated to the one or more updated legal agreements that have received user acceptance; and providing access to the user account for the authorized financial services.
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21. A method for controlling access to a financial account, the method comprising:
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receiving a selection from a user to access at least one financial service from a plurality of financial services associated with a user account; identifying, using at least one computer processor, one or more updated legal agreements associated with the selected at least one financial service; providing, to an electronic device, the one or more updated legal agreements for user acceptance; receiving user acceptance to the one or more updated legal agreements; authorizing access to the user account based on the received user acceptance; and providing access to the user account, wherein access is provided to the at least one financial service corresponding to the accepted one or more updated legal agreements, wherein authorizing access to the user account further comprises; prompting for user verification information; receiving the user verification information; determining that the received user verification information satisfies authorization requirements for access to the user account; and ranking the user verification information based on stringency of requirements corresponding to the plurality of financial services.
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22. A system for controlling access to a financial account, the system comprising:
a receiver and at least one computer processor, wherein the system is configured to; receive, at the receiver, a selection from a user to access at least one financial service from a plurality of financial services associated with a user account; identify, at the at least one computer processor, one or more updated legal agreements associated with the selected at least one financial service; present, by the at least one computer processor, the one or more updated legal agreements for user acceptance; receive, at the receiver, user acceptance to the one or more updated legal agreements; authorizing, by the at least one computer processor, access to the user account based on the received user acceptance; and providing, by the at least one computer processor, access to the user account, wherein access is to the at least one financial service of the user account corresponding to the accepted one or more updated legal agreements, wherein the at least one computer processor is further configured to authorize access to the user account by; prompting for user verification information; receiving the user verification information; and determining that the received user verification information satisfies authorization requirements for access to the user account; and ranking the user verification information based on stringency of requirements corresponding to the plurality of financial services.
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23. A method for controlling access to a financial account, the method comprising:
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using an electronic device, receiving a selection from a user to access at least one financial service from a plurality of financial services associated with a user account; identifying a legal agreement associated with the selected at least one financial service, wherein the legal agreement has not been accepted by the user; presenting the legal agreement for user acceptance on the electronic device; receiving user acceptance to the legal agreement; and sending an electronic copy of the accepted and executed legal agreement to the electronic device by electronic mail. - View Dependent Claims (24, 25)
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26. A method for controlling access to a financial account, the method comprising:
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using an electronic device, receiving a selection from a user to access at least one financial service from a plurality of financial services associated with a user account; identifying a legal agreement associated with the selected at least one financial service, wherein the legal agreement has not been accepted by the user; presenting the legal agreement for user acceptance on the electronic device; receiving user acceptance to the legal agreement; and sending an electronic copy of the accepted and executed legal agreement to the electronic device; and wherein the legal agreement is an update to a legal agreement that was agreed to by the user.
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Specification