Abstract: Embodiments of a system and method enable secure connectivity between the computer systems of a financial institution and software for Brand On Banking. Embodiments of the system include an Identity Platform, Know Your Customer (KYC) processes including ID card verification, face verification, document verification such as utility bills as proof of address, and biometric verification, and bank servicing features such as checking, savings, debit, payments, loans, and bill-pay. The secure connectivity is established in various embodiments through private or public Application Programming Interfaces (APIs) over a network service provider, thus eliminating third-party risk for the financial institution. Additionally, the system allows for displaying alternate brands and identifying customers associated with a specific product brand other than the financial institution. The mobile interface is user-friendly and consolidates all financial accounts in one location, reducing customer friction.

Abstract: A system and method for allowing users of wireless and mobile devices to participate in Public Key Infrastructure facilitates secure remote communications. The present invention allows wireless devices to participate in secure communications with secure networks without storing compromisable information on the wireless device. In one embodiment, the system allows wireless devices to participate in Public Key Infrastructure wherein no portion of the certificate, no information about the certificate, and no private or public key data are stored on the wireless device. In one embodiment, a certificate proxy server maintains the digital certificate and private for the client device in a secure fashion, and maintains connectivity with the wireless network. The mobile user can authenticate with the server in order to access resources that require the certificate to be presented.