System and method for providing discriminated content to network users

• US 8,185,940 B2
• Filed: 07/17/2007
• Issued: 05/22/2012
• Est. Priority Date: 07/12/2001
• Status: Active Grant

• 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: Ilijasic, Dean, Sanders, Shelley F., Bowers, Theodore J
• Primary Examiner(s): PYZOCHA, MICHAEL J
• Application Number:
  US11/778,958
• Publication Number:
  US 20080016180A1
• Time in Patent Office: 1,771 Days
• Field of Search: 726/8, 713/155, 713/182, 705/50, 709/229
• US Class Current: 726/8
• CPC Class Codes: G06F 21/31 User authentication
• CPC Class Codes: G06F 2221/2115 Third party
• CPC Class Codes: G06F 2221/2129 Authenticate client device independently of the user
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

The present invention provides methods and systems for providing discriminated partner system resources to the user of a host system. A host entity has a business relationship with one or more partnered entities. A user accesses the host'"'"'s system and then uses the host'"'"'s system to connect to a partner'"'"'s system. Access from one system to the next is seamless and requires no additional user input to verify the user'"'"'s access rights to subsequently accessed partners'"'"' systems. The content delivered to the user from a partner'"'"'s system is discriminated from a larger pool of information to appear consistent in appearance, message, or both with the host system. The host system, the partner system or both systems may perform the discrimination functions. The user is thereby provided with seamless access to partnered systems that reflects the business partnership of the host and various partners.

Claims

1. A method of providing a discriminated partner system resource to a user of a host system during a single login session, wherein the partner system communicates over a network and comprises downloadable executable code stored on a non-transitory computer-readable medium configured to perform the steps of:

receiving a request to access a partner system resource through a host system;

receiving host system data;

identifying the host system;

receiving user data;

identifying the user based at least in part on the user data;

identifying host system data of the user; and

providing the discriminated partner system resource to the user;

wherein providing the discriminated partner system resource comprises;

classifying the host system,

identifying a non-conflicting partner system resource that does not conflict with the host system'"'"'s classification, and

incorporating the non-conflicting partner system resource into a standard partner system resource to create the discriminated partner system resource.

2. The method of claim 1 wherein receiving host system data comprises receiving host system data from the host system.

3. The method of claim 1 wherein identifying said host system comprises identifying the host system based at least in part on the host system data.

4. The method of claim 1 wherein receiving user data comprises receiving user data from the host system.

5. The method of claim 1 further comprising authenticating the request to access the partner system resource.

6. The method of claim 1 further comprising transmitting the discriminated partner system resource to at least one of the host system and the user.

7. The method of claim 1 wherein the partner system resource and the host resource are accessible through a web browser.

8. The method of claim 1 wherein the user data comprises a user name and a user password.

9. The method of claim 1 wherein the user data comprises authentication data provided by a single sign on authentication system.

10. The method of claim 1, wherein the host system comprises a financial service provider system with which a user of the host system has one or more financial accounts.

11. The method of claim 1, wherein the partner system resource comprises financial information.

12. The method of claim 1, wherein the partner system resource comprises incentive reward information.

13. A system for providing a discriminated partner system resource to a user of a host'"'"'s system resources during a single login session comprising:

a partner system for providing a partner system resource through a computer network, wherein the partner system comprises downloadable executable code stored on a non-transitory computer-readable medium configured to;

receive a request to access partner system resource through said host system;

receive host system data;

identify a host system;

receive user data;

identify the user based at least in part on the user data; and

provide the discriminated partner system resource to the user;

wherein providing the discriminated partner system resource comprises;

classifying the host system,

identifying a non-conflicting partner system resource that does not conflict with the host system'"'"'s classification, and

incorporating the non-conflicting partner system resource into a standard partner system resource to create the discriminated partner system resource.

14. The system of claim 13 wherein the set of instructions for receiving host system data comprises instructions for receiving host system data from the host system.

15. The system of claim 13 wherein the set of instructions for identifying a host system comprises instructions for identifying the host system based at least in part on the host system data.

16. The system of claim 13 wherein the set of instructions for receiving user data comprises instructions for receiving user data from the host system.

17. The system of claim 13 further comprising a set of instructions for authenticating the request to access the partner system resource.

18. The system of claim 13 further comprising a set of instructions for transmitting the discriminated partner system resource to at least one of the host system and the user.

19. The system of claim 13 wherein the partner system and the host system are accessible through a web browser.

20. The system of claim 13 wherein the user data comprises a user name and a user password.

21. The system of claim 13 wherein the user data comprises authentication data provided by a single sign on authentication system.

22. The system of claim 13, wherein the host system comprises a financial service provider system with which a user of the host system has one or more financial accounts.

23. The system of claim 13, wherein the partner system resource comprises financial information.

24. The system of claim 13, wherein the partner system resource comprises incentive reward information.