Multiple trust modes for handling data
First Claim
Patent Images
1. A method implemented by a financial analysis system, the method comprising:
- identifying multiple financial accounts associated with a user, wherein the multiple financial accounts are with a plurality of financial institutions;
presenting the user with a plurality of modes, each of which can be associated with one of the plurality of financial institutions, wherein the user has user authentication data for each of the plurality of financial institutions, and wherein each mode directs the financial analysis system to handle user authentication data received from the user in a specified manner, the modes comprising,a low trust mode that directs the financial analysis system to temporarily use the user authentication data received from the user without storing the data; and
a plurality of higher trust modes that each direct the financial analysis system to store the user authentication data;
receiving a selection of a mode from the user for each of the multiple financial institutions;
associating a selected mode with each of the plurality of financial institutions;
storing financial institution data for each of the plurality of financial institutions, comprising data which may be used to locate and communicate with each of the plurality of financial institutions;
storing the associated modes; and
handling the user authentication data associated with each of the plurality of financial institutions as directed by an associated mode each time the financial analysis system accesses one of the multiple financial institutions on behalf of the user.
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Abstract
A user is presented with multiple modes of operation, such that the multiple modes of operation define different trust options for handling data (such as login credentials or other sensitive data) associated with the user. A selection of one of the multiple modes of operation is received from the user. Data associated with the user is handled in accordance with the selected mode of operation.
133 Citations
18 Claims
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1. A method implemented by a financial analysis system, the method comprising:
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identifying multiple financial accounts associated with a user, wherein the multiple financial accounts are with a plurality of financial institutions; presenting the user with a plurality of modes, each of which can be associated with one of the plurality of financial institutions, wherein the user has user authentication data for each of the plurality of financial institutions, and wherein each mode directs the financial analysis system to handle user authentication data received from the user in a specified manner, the modes comprising, a low trust mode that directs the financial analysis system to temporarily use the user authentication data received from the user without storing the data; and a plurality of higher trust modes that each direct the financial analysis system to store the user authentication data; receiving a selection of a mode from the user for each of the multiple financial institutions; associating a selected mode with each of the plurality of financial institutions; storing financial institution data for each of the plurality of financial institutions, comprising data which may be used to locate and communicate with each of the plurality of financial institutions; storing the associated modes; and handling the user authentication data associated with each of the plurality of financial institutions as directed by an associated mode each time the financial analysis system accesses one of the multiple financial institutions on behalf of the user. - View Dependent Claims (2, 3, 4, 5)
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6. A method comprising:
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identifying multiple financial accounts associated with a use, wherein the multiple financial accounts are with at least one financial institution; presenting the user with a low trust mode that can be associated with the at least one financial institution, wherein die low trust mode comprises retrieving sensitive data from the user each time the user requests a service requiring the sensitive data, wherein the sensitive data is required to access the at least one financial institution as the user; presenting the user with a high trust mode that can be associated with at least one financial institution, wherein the high trust made comprises storing in an encrypted format, remote from the at least one financial institution, the sensitive data received from the user; receiving a selection from the user indicating one of the low trust mode and the high trust mode for each of the multiple financial institution; storing, remote from the at least one financial institution, data identifying each of the multiple financial accounts, financial institution data for each of the at least one financial institutions, and a selected mode associated with each of the multiple financial institutions; receiving a request from the user to access one of the at least one financial institutions; and in response, communicating with the at least one financial institution, and handling the sensitive data received from the user in accordance with the selected mode of operation associated with the financial institution. - View Dependent Claims (7, 8, 9)
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10. A method comprising:
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identifying multiple financial accounts associated with a user, wherein the multiple financial accounts are with a plurality of financial institutions; presenting the user with a moderate trust mode that can be associated with at least one of the plurality of financial institution, wherein the moderate trust mode comprises the storing of sensitive data from the user a one-way encrypted format, remote from the plurality of financial institutions, using a password known to the user; presenting the user with a high trust mode that can be associated wit at least one of the plurality of financial institutions, wherein the high trust mode comprises storing, remote from the plurality of financial institutions, sensitive data from the user in a two-way encrypted format; receiving a selection from the user indicating one of the moderate trust mode and the high trust mode for each of the plurality of financial institutions; and handling sensitive data associated with each financial account of the user at the financial institution in accordance with the mode associated with the financial institution. - View Dependent Claims (11)
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12. A method comprising:
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identifying multiple financial institutions at which a user has financial accounts; presenting the user with a moderate trust mode that can be associated with at least one of the multiple financial institutions, wherein be moderate trust mode comprises storing, remote from the multiple financial institutions, sensitive data from the user in an encrypted format using a password known to the user; presenting the user with a low trust mode that can be associated with at least one of the multiple financial institutions, wherein the low trust mode comprises the financial analysis system retrieving sensitive data from the user each time the user requests a service requiring the sensitive data; receiving a selection from the user indicating one of the moderate trust mode and the low trust mode trust mode for each of the multiple financial institutions; storing data identifying each of the multiple financial accounts, financial institution data for each of the at least one financial institutions, and a selected trust mode associated with each of the multiple financial institutions; receiving a request from the user to access one of the multiple financial institutions; and in response, communicating with the financial institution, and handling sensitive data associated with each financial account of the user at the financial institution in accordance with the mode associated with the financial institution. - View Dependent Claims (13)
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14. One or more computer-readable storage media having stored thereon a computer program that, when executed by one or more processors, causes the one or more processors to:
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identify multiple financial accounts associated with a user, wherein the multiple financial accounts are with a plurality of financial institutions; present the user with a plurality of mode, each of which can be associated with one or more of the plurality of financial institutions, wherein each mode directs a server remote from the plurality of financial institutions to handle the sensitive data in a particular manner, and wherein the sensitive data comprises user login data used to access accounts online at one of the plurality of financial institutions; receive a selection of a mode from the user for each of the multiple financial institutions associate a selected mode with each of the multiple financial institutions;
store,financial institution data for each of the plurality of financial institutions, comprising data which may be used to locate and communicate with the plurality of financial institutions; data identifying the multiple financial accounts; and the associated modes; and
handle the sensitive data associated with each of the plurality of financial institutions in accordance with an associated mode each time the user accesses one of the plurality of financial institutions. - View Dependent Claims (15, 16, 17, 18)
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Specification