Abstract: A method and system for implementing on-line financial institution services via a single physical and logical platform deploys global online banking applications in an environment in which the applications are built from a single source base and adapted to various business rules and languages associated with different regions, countries and businesses. Separate web apps are created for each individual business according to contextual attributes, and application servers running the context dependent web apps provide the interface between customers and banking functionality. The platform relies in part on reuse of appropriate components to achieve integration, as well as sharing of core services. As a result of the independent nature of business specific components, each business may require different versions of application software and may update or implement new components without affecting existing business components.

Abstract: A computer-implemented method and system for secure user authentication in electronic commerce involves maintaining electronic information having a first aspect that is accessible over a first electronic communication channel in response to entry of a first credential known to the user and a second aspect that is accessible by the user over the first electronic communication channel in response to entry of a second credential provided to the user at a pre-registered delivery address on a second electronic communication channel.

Abstract: A computer-implemented method and system for secure user authentication in electronic commerce involves maintaining electronic information having a first aspect that is accessible over a first electronic communication channel in response to entry of a first credential known to the user and a second aspect that is accessible by the user over the first electronic communication channel in response to entry of a second credential provided to the user at a pre-registered delivery address on a second electronic communication channel.

Abstract: A method and system for implementing on-line financial institution services via a single physical and logical platform deploys global online banking applications in an environment in which the applications are built from a single source base and adapted to various business rules and languages associated with different regions, countries and businesses. Separate web apps are created for each individual business according to contextual attributes, and application servers running the context dependent web apps provide the interface between customers and banking functionality. The platform relies in part on reuse of appropriate components to achieve integration, as well as sharing of core services. As a result of the independent nature of business specific components, each business may require different versions of application software and may update or implement new components without affecting existing business components.