Patent ID: 7865605

Claim:
A method being executed by software operating on a hardware processor for providing banking services comprising at least one of funds transfer services, investment services, and trade services, over a network from a host to a bank customer, comprising: receiving a request for access to the banking services from the access location via the network; receiving, by the host, a communication from a local access application at an access location associated with the bank customer, wherein the local access application is configured to provide a plurality of tiers of service access; identifying a user from a plurality of users associated with the bank customer, wherein the bank customer is an entity having more than one user or groups of users; identifying a tier of service access associated with the user; determining which of the at least one of the banking services within one of the plurality of tiers of service access the user is entitled to access; and providing access at the access location for the user to the determined at least one banking service.