System and method for single sign on process for websites with multiple applications and services

• US 8,671,281 B1
• Filed: 06/07/2011
• Issued: 03/11/2014
• Est. Priority Date: 07/02/1999
• Status: Expired due to Term

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Ellmore, Kimberly
• Primary Examiner(s): Nalven, Andrew L
• Assistant Examiner(s): Mehrmanesh, Amir
• Application Number:
  US13/154,817
• Time in Patent Office: 1,008 Days
• Field of Search: 726 2- 4, 726/8, 713/182, 702/42, 705/42
• US Class Current: 713/182
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: H04L 63/0815 providing single-sign-on or federations
• CPC Class Codes: H04L 63/168 above the transport layer

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.

Claims

1. A method for accessing a plurality of financial accounts using a single sign on procedure, the method comprising the steps of:

receiving, at a host service provider, a request from a user to access the plurality of financial transaction accounts;

prompting the user for a user identification;

receiving the user identification from the user;

prompting the user for a password;

receiving the password from the user;

using at least one computer processor, verifying the user identification and password;

prompting the user for ownership verification information associated with at least one of the plurality of financial transaction accounts to which access is requested;

receiving the ownership verification information from the user;

using at least one computer processor, verifying the ownership verification information;

providing the user with the requested access to the plurality of financial transaction accounts;

the at least one computer processor determining a highest level account to which the user is verified based on the ownership verification information; and

providing the user access to accounts of the plurality of accounts at and under the highest level account based on a hierarchy ranking,

wherein the host service provider provides access to account information pertaining to a plurality of the user'"'"'s accounts, the account information of the plurality of accounts residing respectively in the plurality of service provider systems.

2. The method of claim 1, wherein the plurality of financial transaction accounts are owned by the user.

3. The method of claim 1, wherein the plurality of financial transaction accounts are held with a single financial institution.

4. The method of claim 1, wherein the plurality of financial transaction accounts are held with a plurality of financial institutions.

5. The method of claim 1, further comprising:

providing the user with a summary of the plurality of financial transaction accounts.

6. The method of claim 1, wherein the code is a CVV value.

7. The method of claim 1, wherein the code is a PIN.

8. The method of claim 1, wherein the transaction information comprises an amount of a transaction.

9. The method of claim 1, wherein the transaction information comprises a date of a transaction.

10. The method of claim 1, wherein the account detail comprises an account number for one of the plurality of financial transaction accounts.

11. The method of claim 1, wherein the account detail comprises a date of account opening for one of the plurality of financial transaction accounts.

12. The method of claim 1, wherein the request to access the plurality of financial transaction accounts is received from an electronic device.

13. The method of claim 12, wherein the received ownership verification information is received in an encrypted form.

14. The method of claim 12, wherein summary of the plurality of financial transaction accounts is encrypted before it is provided to the user.

15. The method of claim 1, wherein the ownership verification information comprises at least one of a code, transaction information, and an account detail.