Patent ID: 8738488

Claim:
A method of interfacing with a financial institution using a computer interface, the method comprising the steps of: (a) receiving an interface request from a customer after the customer has reached, via a path through a computer network, a predetermined webpage on a computer system for the financial institution; (b) receiving, at a processor, identification information from the customer; (c) determining, using the processor, a first, a second, and a third entity for the customer, wherein the first entity is a business associated with the customer, the second entity is an authorized representative associated with the customer, and the third entity is an authorized signer associated with the customer; (d) evaluating the customer for authentication, using the processor, based at least in part on an evaluation of a predetermined client identification profile (“CIP”) for the customer; (e) evaluating the first entity for the customer for authentication, using the processor, based at least in part on an evaluation of a predetermined CIP for the first entity; (f) evaluating the second entity for the customer for authentication, using the processor, based at least in part on an evaluation of a predetermined CIP for the second entity; (g) evaluating the third entity for the customer for authentication, using the processor, based at least in part on an evaluation of a predetermined CIP for the third entity; (h) creating an exception, using the processor, in the event at least one of the customer, first entity, and second entity fail authentication; (i) performing, using the processor, a fraud detection analysis individually on the customer, the first entity, and the second entity, and stopping the interfacing method in the event at least one of the customer, the first entity, and the second entity does not pass the fraud detection analysis; (j) performing, using the processor, the fraud detection analysis on the third entity and disregarding the third entity for the remainder of the interfacing method in the event the third entity does not pass the fraud detection analysis; (k) performing, using the processor, an identity verification analysis individually on the customer, the first entity, and the second entity, and stopping the interfacing method in the event at least one of the customer, the first entity, and the second entity does not pass the identity verification analysis; (l) performing, using the processor, the identity verification analysis on the third entity and disregarding the third entity for the remainder of the interfacing method in the event the third entity does not pass the identity verification analysis; and (m) performing, using the processor, an account approval process for the customer.