Device-Based Access Privilege to an Account
AssigneeInternational Business Machines Corporation
InventorShunguo Yan
Life of this patent
Estimating the term…
Abstract
Device-based access to financial account functions is provided. Access to functions is based upon the protocols supported by the device. More secure protocols are used to access all account functions including more sensitive account functions, such as making online payments and transferring funds. Less secure protocols, such as those used by mobile telephones and wireless communication devices, can still be used to access the account in order to perform less sensitive account functions, such as checking account summaries or balances. In one embodiment, the user can alter security settings to determine which account functions are allowed based on the type of protocol being used.
Claims14
An information handling system comprising:
- one or more processors;
- a memory accessible by the processors;
- a nonvolatile storage device accessible by the processors that includes a security data file;
- one or more network interfaces for connecting the information handling system to one or more networks;
- an online financial account accessibility tool for accessing online financial accounts, the online financial account accessibility tool comprising software code effective to:
- receive, through one of the networks, a request from a computing device;
- identify a protocol, from a plurality of supported protocols, that was used by the computing device to send the request;
- retrieve a network address corresponding to the computing device;
- determine whether the network address is registered;
- in response to identifying the protocol and determining that the network address is registered, select one or more allowed financial account functions from a plurality of financial account functions stored in a data store, wherein the allowed financial account functions are selected based upon the network address and the identified protocol;
- and
- in response to identifying the protocol and determining that the network address is not registered, select the one or more allowed financial account functions from the plurality of financial account functions stored in the data store, wherein the allowed financial account functions are selected based upon the identified protocol.
A computer program product stored on a computer operable media, the computer operable media containing instructions for execution by a computer, which, when executed by the computer, cause the computer to implement a method for accessing an online account, said method comprising:
- receiving, through a network, a request from a computing device;
- identifying a protocol, from a plurality of supported protocols, that was used by the computing device to send the request;
- retrieving a network address corresponding to the computing device;
- determining whether the network address is registered;
- in response to identifying the protocol and determining that the network address is registered, selecting one or more allowed financial account functions from a plurality of financial account functions stored in a data store, wherein the allowed financial account functions are selected based upon the network address and the identified protocol;
- and
- in response to identifying the protocol and determining that the network address is not registered, selecting the one or more allowed financial account functions from the plurality of financial account functions stored in the data store, wherein the allowed financial account functions are selected based upon the identified protocol.
Dependencies are inferred from the claim text.