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

• US 7,155,614 B2
• Filed: 02/09/2006
• Issued: 12/26/2006
• Est. Priority Date: 07/02/1999
• Status: Expired due to Term

• Current Assignee: Kimberly Ellmore
• Original Assignee: Kimberly Ellmore
• Inventors: Ellmore, Kimberly
• Primary Examiner(s): Smithers, Matthew
• Assistant Examiner(s): NGUYEN, MINH DIEU T
• Application Number:
  US11/349,894
• Publication Number:
  US 20060129833A1
• Time in Patent Office: 320 Days
• Field of Search: 726 2- 4, 726/8, 713/182, 713/183, 705/42
• US Class Current: 713/183
• 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 adding financial accounts to a financial account profile, the method comprising:

receiving a request from a user to access a financial account profile, the financial account profile comprising one or more established financial accounts to which the user has access;

determining whether one or more additional financial accounts are available in addition to the one or more established financial accounts;

determining ownership verification information requirements for each of the one or more additional financial accounts;

ranking the ownership verification information requirements for each of the one or more additional financial accounts on the basis of the stringency of the ownership verification information requirements for each of the one or more additional financial accounts;

comparing the ranked ownership verification information requirements for the one or more additional financial accounts with user-provided ownership verification information;

determining which of the one or more additional financial accounts has the highest level of ownership verification information requirements satisfied by the user-provided ownership verification information; and

offering the user access to a selection of available new accounts comprising;

the additional financial account having the highest level of ownership verification information requirements satisfied by the user-provided ownership verification information; and

any other additional financial accounts having less stringent ownership verification information requirements than the additional financial account having the highest level of ownership verification information requirements satisfied by the user-provided ownership verification information.

2. The method of claim 1, wherein the stringency of the ownership verification information requirements is determined on the basis of the amount of ownership verification information required.

3. The method of claim 1, wherein the stringency of the ownership verification information requirements is determined on the basis of the level of detail of ownership verification information required.

4. The method of claim 1, wherein receiving a request from a user to access a financial account profile comprises:

prompting the user for a user identification;

receiving the user identification from the user;

prompting the user for a password; and

receiving the password from the user.

5. The method of claim 1, wherein comparing the ranked ownership verification information requirements for the one or more additional financial accounts with user-provided ownership verification information comprises:

prompting the user for user-provided ownership verification information;

receiving user-provided ownership verification information; and

comparing the ranked ownership verification information requirements for the one or more additional financial accounts with the user-provided ownership verification information.

6. The method of claim 1, wherein comparing the ranked ownership verification information requirements for the one or more additional financial accounts with user-provided ownership verification information comprises:

retrieving pre-existing user-provided ownership verification information provided by the user prior to the request from the user to access the financial account profile; and

comparing the ranked ownership verification information requirements for the one or more additional financial accounts with the pre-existing user-provided ownership verification information.

7. The method of claim 6, further comprising:

determining which of the one or more additional financial accounts have ownership verification information requirements that are not satisfied by the pre-existing user-provided ownership verification information; and

identifying to the user a list of unavailable new accounts comprising the one or more additional financial accounts having ownership verification information requirements that are not satisfied by the pre-existing user-provided ownership verification information.

8. The method of claim 7, further comprising:

prompting the user for additional user-provided ownership verification information;

comparing the ownership verification information requirements of the one or more unavailable new accounts with the pre-existing user-provided ownership verification information and the additional user-provided ownership verification information; and

including in the selection of available new accounts any of the one or more unavailable new accounts that have ownership verification information requirements that are satisfied by the pre-existing user-provided ownership verification information and the additional user-provided ownership verification information.

9. The method of claim 1, further comprising:

receiving a request from the user to access one or more new accounts selected from the selection of available new accounts; and

granting the user access to the one or more new accounts.

10. A method for adding financial accounts to a financial account profile, the method comprising:

receiving a request from a user to access a financial account profile, the financial account profile comprising one or more established financial accounts to which the user has access;

determining whether one or more additional financial accounts are available in addition to the one or more established financial accounts;

determining ownership verification information requirements for each of the one or more additional financial accounts;

ranking the ownership verification information requirements for each of the one or more additional financial accounts on the basis of the stringency of the ownership verification information requirements for each of the one or more additional financial accounts;

comparing the ranked ownership verification information requirements for the one or more additional financial accounts with user-provided ownership verification information;

determining which of the one or more additional financial accounts has the highest level of ownership verification information requirements satisfied by the user-provided ownership verification information; and

granting the user access to a selection of available new accounts comprising;

the additional financial account having the highest level of ownership verification information requirements satisfied by the user-provided ownership verification information; and

any other additional financial accounts having less stringent ownership verification information requirements than the additional financial account having the highest level of ownership verification information requirements satisfied by the user-provided ownership verification information.

11. The method of claim 10, wherein the stringency of the ownership verification information requirements is determined on the basis of the amount of ownership verification information required.

12. The method of claim 10, wherein the stringency of the ownership verification information requirements is determined on the basis of the level of detail of ownership verification information required.

13. The method of claim 10, wherein comparing the ranked ownership verification information requirements for the one or more additional financial accounts with user-provided ownership verification information comprises:

prompting the user for user-provided ownership verification information;

receiving user-provided ownership verification information; and

comparing the ranked ownership verification information requirements for the one or more additional financial accounts with the user-provided ownership verification information.

14. The method of claim 10, wherein comparing the ranked ownership verification information requirements for the one or more additional financial accounts with user-provided ownership verification information comprises:

retrieving pre-existing user-provided ownership verification information provided by the user prior to the request from the user to access the financial account profile; and

comparing the ranked ownership verification information requirements for the one or more additional financial accounts with the pre-existing user-provided ownership verification information.

15. The method of claim 14, further comprising:

determining which of the one or more additional financial accounts have ownership verification information requirements that are not satisfied by the pre-existing user-provided ownership verification information; and

identifying to the user a list of unavailable new accounts comprising the one or more additional financial accounts having ownership verification information requirements that are not satisfied by the pre-existing user-provided ownership verification information.

16. The method of claim 15, further comprising:

prompting the user for additional user-provided ownership verification information;

comparing the ownership verification information requirements of the one or more unavailable new accounts with the pre-existing user-provided ownership verification information and the additional user-provided ownership verification information; and

including in the selection of available new accounts any of the one or more unavailable new accounts that have ownership verification information requirements that are satisfied by the pre-existing user-provided ownership verification information and the additional user-provided ownership verification information.

17. A method for adding financial accounts to a financial account profile, the method comprising:

receiving a request from a user to access a financial account profile, the financial account profile comprising one or more established financial accounts to which the user has access;

determining whether one or more additional financial accounts are available in addition to the one or more established financial accounts;

determining ownership verification information requirements for each of the one or more additional financial accounts;

comparing the ownership verification information requirements for the one or more additional financial accounts with user-provided ownership verification information; and

automatically offering the user access to a selection of available new accounts comprising any of the one or more additional financial accounts having ownership verification information requirements that are satisfied by the ownership verification information provided by the user prior to the request from the user to access the financial account profile.

18. The method of claim 17, wherein comparing the ownership verification information requirements for the one or more additional financial accounts with user-provided ownership verification information comprises:

retrieving pre-existing user-provided ownership verification information provided by the user prior to the request from the user to access the financial account profile; and

comparing the ownership verification information requirements for each of the one or more additional financial accounts with the pre-existing user-provided ownership verification information.

19. The method of claim 18, further comprising:

determining which of the one or more additional financial accounts have ownership verification information requirements that are not satisfied by the pre-existing user-provided ownership verification information; and

identifying to the user a list of unavailable new accounts comprising the one or more additional financial accounts having ownership verification information requirements that are not satisfied by the pre-existing user-provided ownership verification information.

20. The method of claim 19, further comprising:

prompting the user for additional user-provided ownership verification information;

comparing the ownership verification information requirements of the one or more unavailable new accounts with the pre-existing user-provided ownership verification information and the additional user-provided ownership verification information; and

including in the selection of available new accounts any of the one or more unavailable new accounts that have ownership verification information requirements that are satisfied by the pre-existing user-provided ownership verification information and the additional user-provided ownership verification information.