Abstract: Data of prior online banking sessions is logged or stored and analyzed to identify online banking action patterns and pages or screens of an online banking website used to execute the actions. User profile data associated with executed actions is also identified. User profile data may involve the computing device used to access the site, location and/or temporal data such as date, time and frequency. When profile data of a current online banking session is received, rules dictating how the user interface of the online banking website can be selectively modified are accessed and applied to identify a page or screen to be presented to the user thus bypassing at least one intermediate page or screen that would have otherwise been presented to the user navigating the online banking website according to its pre-defined structure.

Abstract: Data of prior online banking sessions is logged or stored and analyzed to identify online banking action patterns and pages or screens of an online banking website used to execute the actions. User profile data associated with executed actions is also identified. User profile data may involve the computing device used to access the site, location and/or temporal data such as date, time and frequency. When profile data of a current online banking session is received, rules dictating how the user interface of the online banking website can be selectively modified are accessed and applied to identify a page or screen to be presented to the user thus bypassing at least one intermediate page or screen that would have otherwise been presented to the user navigating the online banking website according to its pre-defined structure.

Abstract: A request is received to access protected data from a data access requesting party. Authentication text to be read aloud is then generated and transferred to a first computing system associated with the data access requesting party. The authentication text is then displayed on the first computing system. The access requesting party is then requested to read the authentication text aloud and first audio data is obtained from a first audio detection capability associated with the first computing system and second audio data is obtained from a second audio detection capability associated with a second computing system associated with a data access requesting party. The authentication text is then compared to the first audio data and the second audio data and, if the data matches, the data requesting party is provided access to the protected data.