Patent ID: 7461265

Claim:
A method for controlling access to a plurality of financial accounts, the method comprising: establishing a user account comprising: establishing a user identification associated with the user account, establishing a user password associated with the user identification, displaying available financial services to the user, receiving from the user a selection of desired financial services comprising one or more of the available financial services, authorizing the user comprising: identifying one or more legal agreements associated with the desired financial services, presenting the one or more legal agreements to the user for acceptance, receiving acceptance of at least one of the one or more legal agreements from the user, and designating one or more authorized financial services, the one or more authorized financial services comprising the one or more desired financial services for which the user has accepted the respective one or more legal agreements; and providing access to the user account, subsequent to establishing the user account, comprising: receiving the user identification and user password, verifying the user identification and user password, determining whether one or more updated legal agreements exist for any of the one or more authorized financial services, presenting the one or more updated legal agreements to the user for acceptance, receiving acceptance of at least one of the one or more updated legal agreements, and granting the user access to one or more updated authorized financial services, the one or more updated authorized financial services comprising each of the one or more authorized financial services for which the user has accepted the respective one or more updated legal agreements, and each of the one or more authorized financial services for which no updated legal agreement was determined to exist.