US20230298094A1 - Mobile enabled activation of a bank account - Google Patents
Mobile enabled activation of a bank account Download PDFInfo
- Publication number
- US20230298094A1 US20230298094A1 US18/201,078 US202318201078A US2023298094A1 US 20230298094 A1 US20230298094 A1 US 20230298094A1 US 202318201078 A US202318201078 A US 202318201078A US 2023298094 A1 US2023298094 A1 US 2023298094A1
- Authority
- US
- United States
- Prior art keywords
- client device
- customer
- information
- browsing experience
- account
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 230000004913 activation Effects 0.000 title description 13
- 238000000034 method Methods 0.000 claims abstract description 42
- 238000004891 communication Methods 0.000 claims abstract description 6
- 238000012545 processing Methods 0.000 claims description 16
- 230000002452 interceptive effect Effects 0.000 claims description 10
- 238000007726 management method Methods 0.000 description 10
- 230000008569 process Effects 0.000 description 10
- 230000003993 interaction Effects 0.000 description 8
- 230000003213 activating effect Effects 0.000 description 7
- 230000006870 function Effects 0.000 description 5
- VJYFKVYYMZPMAB-UHFFFAOYSA-N ethoprophos Chemical compound CCCSP(=O)(OCC)SCCC VJYFKVYYMZPMAB-UHFFFAOYSA-N 0.000 description 4
- 238000012986 modification Methods 0.000 description 4
- 230000004048 modification Effects 0.000 description 4
- 230000003287 optical effect Effects 0.000 description 4
- 238000012544 monitoring process Methods 0.000 description 3
- 238000013500 data storage Methods 0.000 description 2
- 238000010586 diagram Methods 0.000 description 2
- 238000012552 review Methods 0.000 description 2
- 230000000007 visual effect Effects 0.000 description 2
- 230000009471 action Effects 0.000 description 1
- 230000008901 benefit Effects 0.000 description 1
- 238000012790 confirmation Methods 0.000 description 1
- 235000014510 cooky Nutrition 0.000 description 1
- 238000012937 correction Methods 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 238000012423 maintenance Methods 0.000 description 1
- 230000005055 memory storage Effects 0.000 description 1
- 230000004044 response Effects 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
- 238000012800 visualization Methods 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/10—Office automation; Time management
- G06Q10/107—Computer-aided management of electronic mailing [e-mailing]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
Definitions
- the present disclosure generally relates to activating a bank account. Specifically, the present disclosure generates to activating a bank account using a server computer and a client device.
- One embodiment of the present disclosure relates a method of activating a bank account.
- the method comprises establishing, by a bank computer system, a connection with a client device of a customer.
- the connection is established while the client device is located within a bank store location.
- the method further comprises providing information of the customer to the client device and receiving customer inputs from the client device while the client device is located within a bank store location.
- the bank account is activated based on the customer inputs.
- the method comprises establishing, by a bank computer system, a connection with a client device of a customer.
- the bank computer system comprises a bank store computer located within the bank store location.
- the connection is established while the customer is in-person at the bank store location and is in visual contact with a banking representative that is operating the bank store computer.
- the method further comprises providing an interactive display to the customer via the client device while the customer is in-person at the bank store location.
- the interactive display shows information of the customer.
- the method further comprises receiving, by the bank computer system, customer inputs from the client device while the customer interacts with the interactive display and while the customer is in-person at the bank store location.
- the customer inputs comprise one or more of (i) updates to personal identification and contact information of the customer, (ii) updates to financial information of the customer, and (iii) selections of products and services.
- the bank account is activated based on the customer inputs.
- FIG. 1 is a block diagram of a computer architecture for implementing the systems and methods of the present disclosure.
- FIG. 2 is a flow chart of a method of activating a bank account, according to an exemplary embodiment.
- FIG. 3 is a flow chart of a method of activating a bank account, according to an exemplary embodiment.
- FIG. 4 A is an illustration of a user interface of a client device that displays a message to initiate opening a bank account, according to an exemplary embodiment.
- FIG. 4 B is an illustration of a user interface of a client device for providing a user with an authentication process, according to an exemplary embodiment.
- FIG. 5 is an illustration of a user interface of a client device displaying a web browser application, according to an exemplary embodiment.
- FIG. 6 A is an illustration of a user interface of a client device for viewing needs assessment information, according to an exemplary embodiment.
- FIG. 6 B is an illustration of a user interface of a client device for interacting with the needs assessment information of FIG. 6 A , according to an exemplary embodiment.
- FIG. 6 C is an illustration of a user interface of a client device for providing information about additional services to a customer, according to an exemplary embodiment.
- FIG. 7 is an illustration of a user interface of a client device for providing a simultaneous interaction between the banking representative and the customer, according to an exemplary embodiment.
- FIG. 8 is an illustration of a user interface of a client device for customer interaction in opening an account, according to an exemplary embodiment.
- FIG. 9 is an illustration of a user interface of a client device for a customer confirming an opening of an account, according to an exemplary embodiment.
- FIG. 10 is an illustration of a user interface of a client device for providing additional steps to a customer after the opening of an account, according to an exemplary embodiment.
- FIG. 11 is an illustration of a user interface of a client device for providing a message after the account opening process, according to an exemplary embodiment.
- systems and methods disclosed herein use a client device such as a mobile phone or handheld computer to facilitate customer-banker interactions during opening of a bank account, such as at a store location of a bank.
- a client device such as a mobile phone or handheld computer
- the banker may initiate the account opening process and invite the customer to utilize the customer's personal mobile phone or other device to participate.
- the banker may complete a customer needs assessment and account application while the customer visualizes financial inputs (e.g., via a customer needs assessment) and confirms/validates application information.
- the banker may then finalize opening of the account and the customer may sign up for additional services such as online banking, mobile banking, electronic documents, and other related services.
- FIG. 1 shows a data processing system 100 that may be used to implement the systems and methods described herein according to an example embodiment.
- the data processing system 100 includes a bank computer system 110 that may be configured to maintain bank accounts held by account holders.
- the bank computer system 110 may comprise a system of interconnected servers that, for example, execute stored program instructions to implement the operations described herein.
- Users e.g., account holders
- the client devices 112 , 114 may include laptop computers, desktop computers, mobile computing devices (e.g., cell phones, tablets, mobile e-mail devices, and so on).
- the client devices 112 , 114 may access the system 100 through a communication network 118 which may, for example, include the Internet, telephone networks, wireless networks, point-to-point networks, and/or other networks.
- Bank computer system 110 may include network interface logic 120 , account management logic 122 , financial planning logic 124 , account activation logic 126 , in-store computers 128 , and data storage system 130 .
- Network interface logic 120 may be used to establish connections with client devices 112 , 114 and to permit users to access accounts in system 110 by way of network 118 .
- network interface logic 120 may comprise one or more web servers that provide a graphical user interface (e.g., a series of dynamically-generated web pages) for users that access system 110 through the web.
- graphical user interface e.g., a series of dynamically-generated web pages
- network interface logic 120 may comprise servers that provide a user interface accessible as a mobile website or via an application executing on the client device. An example of a user interface provided via a client device is described in greater detail below in connection with FIGS. 4 A- 11 .
- the account management logic 122 may be configured to perform account processing to process transactions in connection with the accounts of the account holders, such as account debits and credits to checking and savings accounts, credits and debits to home mortgage and home equity accounts, credits and debits to student loan accounts, and so on.
- the transactions may also include electronic bill payment transactions in which monies from the checking account of the user are used to pay bills received by the user.
- the account management logic 122 may also be configured to perform processing in connection with other activities associated with the servicing and maintenance of the accounts of the account holders.
- the account management logic 122 may access and update information stored in the data storage system 130 , which stores details regarding financial institution accounts including information for each financial transaction that occurred.
- the financial management logic 124 may be configured to analyze data generated during account processing performed by the account management logic 124 to assist the customer with financial management.
- the financial management logic 124 may include budgeting tools, tools for monitoring cash flow, tools for monitoring investments, tools for developing savings/investment goals, tools for monitoring progress towards savings/investment goals, and so on.
- the account activation logic 126 may be configured to facilitate the creation of new bank accounts for new and existing customers of the bank. For example, for new customers, the account activation logic 126 may be configured to collect personal information of the customer to be associated with the new account (e.g., full name and address, driver's license, social security number, and so on). For both new and existing customers, the account activation logic 126 may be configured to collect account configuration information that configures account options based on product selections made by the customer.
- the in-store computers 128 may be computers that are located in bank store locations (e.g., branch locations of the bank) and that are used by bank representatives (e.g., bankers) when interacting with customers.
- the bank store computers may located within a work environment of the bankers, e.g., at the bankers' desks. When customers provide a banker with personal and financial information, the banker may use an in-store bank computer 128 to enter that information into the bank computer system 110 .
- FIG. 2 is an example method 200 of activating a bank account.
- Method 200 may be performed by data processing system 100 or another appropriate system.
- Method begins at step 202 where a connection is established by the bank computer system 100 with the client device 114 .
- the customer may visit a branch location of the bank to open an account.
- the customer may be sitting in the work area of a banker and talking/interacting with the banker in-person (e.g., including speaking with the banker and making visual contact with the banker).
- the banker may ask the customer to provide contact information.
- the banker may ask the customer to provide a mobile telephone number.
- the bank computer system 110 may send an SMS text message to the customer's mobile telephone.
- the text message may include a link that may be selected by the customer to initiate a simultaneous browsing experience.
- the link may include a network address such as a uniform resource locator (URL).
- URL uniform resource locator
- the link may include an expiration parameter, such that the client device has a set amount of time in which to be authenticated.
- the simultaneous browsing experience may be initiated in another manner.
- the contact information requested by the banker may be the e-mail address of the customer, and the link may be sent to the customer's e-mail address which is accessible via the customer's mobile phone.
- the customer may enter the URL of a mobile website of the bank directly into the browser application of the mobile telephone.
- the simultaneous browsing experience may be initiated using a QR code, NFC connection, or in another manner.
- the bank computer system 110 provides account configuration information to the client device 114 .
- the account configuration information may include personal information that the banker has just collected from the customer (e.g., the name and address of the customer, social security number, and so on), financial management information (e.g., information about financial plans and goals of the customer), information regarding selections of product options (e.g., type of account, account features, and so on), information associated with a needs assessment questionnaire, and/or other types of information.
- the information may be displayed by the client device 114 to the customer so that the customer can review/validate the information.
- customer inputs are received by the bank computer system 110 from the client device 114 .
- the information that is provided to the client device 114 is personal information that the banker has just collected from the customer (e.g., the name and address of the customer, social security number, and so on)
- the inputs received from the client device 114 may be corrections to that information (e.g., if the banker erroneously captured the information, for example, by mistyping the customer's last name).
- the information that is provided to the client device 114 is financial management information
- the inputs received from the client device 114 may be adjustments to that information.
- the client device 114 may provide visualizations of the financial information, and the inputs may be adjustments to the financial information of the customer.
- the information that is provided to the client device 114 is information regarding product options
- the inputs received from the client device 114 may be selections of new/different product options.
- the bank account is activated.
- the bank account may be activated based on the information received from the customer in step 206 .
- the bank account may be activated based on customer confirmation that the personal information collected by the banker is correct.
- the account may be activated based on adjustments to the financial information of the customer.
- the account may be activated using product options selected by the customer.
- FIGS. 3 - 11 provide a more detailed example of an arrangement in which a client device 114 such as a mobile phone or handheld computer is used to facilitate customer-banker interactions during opening of a bank account at a store location of a bank.
- FIG. 3 is a flowchart showing a process of opening a bank account in greater detail.
- FIGS. 4 A- 11 are illustrations of a user interface 400 that may be provided to client device 114 in connection with opening a bank account.
- a customer is physically present in a bank.
- the customer may communicate with the bank (or other affiliated location) in another manner, such as via an online interaction or over the telephone using a client device 112 (e.g., a laptop computer).
- a customer may inform a bank representative, such as a banker, of the customer's interest in opening an account.
- the banker asks the customer to provide a mobile phone number.
- the banker enters that information into a store computer 130 .
- the store computer 130 may cause the bank computer system 110 to send a text message to the customer (step 304 ).
- the text message includes a link that may be selected by the customer to cause the bank computer system 130 to establish a connection with the client device 114 (step 306 ).
- the bank computer system 130 may initiate a simultaneous browsing experience for the customer via a secure website of the bank.
- the customer may be delivered to an authentication page where the customer is then prompted to provide authentication information before being directed to the mobile web application.
- the customer is asked to provide a PIN 404 .
- other authentication methods may be also used.
- the customer may be prompted to provide a login name/password, a personal identification number, and/or other authentication credentials.
- the client device 114 may also provide ancillary credentials such as a user identifier (e.g., cookie) and/or or other data associated with the client device 114 that the customer is using to open the bank account.
- the authentication process may be skipped altogether.
- the customer upon authentication, the customer is delivered to the simultaneous browsing experience.
- the customer is provided with a display that provides an overview of what to expect in the meeting with the banking representative. While this overview is being reviewed by the customer, the banking representative may begin opening the account, which may include filling out a customer needs assessment (CNA) questionnaire on behalf of the customer.
- CNA customer needs assessment
- FIGS. 6 A- 6 C show how the interactive browsing experience may be used to provide information to the customer so that the customer can review/validate the information.
- FIG. 6 A shows a score card that may be provided to the customer showing various customer goals (step 308 ).
- the score card includes bar graphs 712 that provide an indication of how the customer is doing compared to financial goals of the customer.
- the financial goals may be received from the customer as part of the information obtained by the banker from the customer in connection with the customer needs assessment questionnaire.
- the display of FIG. 6 A may provide a “snapshot” of the information obtained as part of the questionnaire. While information about financial goals is provided in the example of FIG. 6 A , as will be appreciated, other information of the customer may also be provided by the bank computer system 110 to the client device 114 .
- FIG. 6 B shows how the customer may interact with the questionnaire.
- the customer may provide feedback or other inputs to the bank computer system 110 by interacting with the bar graphs 612 using sliders 614 (step 310 ).
- that information may be updated in the bank computer system 110 (step 312 ) and updated displays may be interactively provided to the customer (step 314 ).
- the customer can use the sliders 614 to visualize how to adjust financial habits to achieve the customer's financial goals.
- the slider 614 represents an amount of money that the customer is allocating towards saving and investing each month relative to the amount of money that would need to be allocated in order to meet the customer's savings and investment goals (e.g., a specified level of assets in five years).
- the customer may receive an indication of the amount of income that would need to be allocated towards saving and investing each month in order to reach the customer's goals.
- the customer may receive an indication of how to adjust the customer's habits in order to achieve the customer's goals.
- Other implementations for the customer to provide feedback and other inputs may also be used.
- FIG. 6 C shows an example of the customer being provided with a call to action in connection with the customer's goals.
- the system assesses what additional products or services the customer may need in order to help the customer meet the customer's financial goals.
- the customer is provided with a link to receive information about additional savings/investment products or services. For example, based on the determination that the customer is currently not allocating enough money each month towards savings and investments, a popup 616 may be provided that includes a link for the customer to select. If an input is received from the customer selecting the link, the customer may be provided with additional information regarding savings and investment products that might help the customer reach their goals. The customer may ultimately select one or more of such savings and investment products, and the account activation may occur based on the selections made by the customer (step 314 ).
- FIG. 7 shows an example of the customer being provided with options to browse additional products and services in connection with an account opening.
- the bank representative has determined based on the customer needs assessment that a checking account meets the needs of the customer.
- the banking representative is in the process of opening up a checking account for the customer.
- the customer is provided with options to browse additional account products and services in connection with the checking account (e.g., mobile deposit, bill pay, budget watch, and so on).
- the customer may select one of the buttons 802 to view the additional information.
- the customer may ultimately select one or more of such products and services, and the account activation at step 314 may occur based on the selections made by the customer.
- FIG. 8 shows an example a customer interaction in connection with validating information used for opening the account.
- the banking representative has completed the application and contents of the application are provided to the customer's mobile device.
- the customer may edit 802 , confirm 804 , etc. the contents of the application, such as personal identification information, contact information, and so forth.
- the account activation at step 314 may occur based on the inputs provided by the customer in connection with updating the contents of the application.
- FIG. 9 shows an example of another customer interaction in connection with opening the account.
- the customer may e-sign the document at input field 902 . If the customer has difficulty entering the signature, the customer may retry signing by selecting button 904 . Alternatively, if the signature is successful, the customer may provide an indication to use the signature by selecting button 906 .
- the account activation at step 314 may occur based on the signature inputs provided by the customer. Additionally, the customer may fund the account by providing cash, a check, etc, either in person or electronically.
- FIG. 10 shows an example of a display that may be shown to the customer after an account has been opened.
- a summary of the account is provided to the customer in field 1002 .
- the summary may include the type of account and an account number.
- Additional steps may be suggested to the customer after the account is open in field 1004 .
- the additional steps may include signing up for online banking, downloading a mobile bank app, and signing up for paperless documents, and so on.
- FIG. 11 shows an example of a display that may be shown to the customer upon completion of the account opening process.
- the customer receives an SMS text message from the banking representative with additional information.
- the customer receives text message 1104 with a link to down load a mobile application for online banking via the customer's mobile device.
- machine-readable media can be any available media that can be accessed by a general purpose or special purpose computer or other machine with a processor.
- machine-readable media can comprise RAM, ROM, EPROM, EEPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to carry or store desired program code in the form of machine-executable instructions or data structures and which can be accessed by a general purpose or special purpose computer or other machine with a processor. Combinations of the above are also included within the scope of machine-readable media.
- Machine-executable instructions comprise, for example, instructions and data which cause a general purpose computer, special purpose computer, or special purpose processing machines to perform a certain function or group of functions.
- Embodiments have been described in the general context of method steps which may be implemented in one embodiment by a program product including machine-executable instructions, such as program code, for example in the form of program modules executed by machines in networked environments.
- program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types.
- Machine-executable instructions, associated data structures, and program modules represent examples of program code for executing steps of the methods disclosed herein.
- the particular sequence of such executable instructions or associated data structures represent examples of corresponding acts for implementing the functions described in such steps.
- embodiments may be practiced in a networked environment using logical connections to one or more remote computers having processors.
- network computing environments may encompass many types of computers, including personal computers, hand-held devices, multi-processor systems, microprocessor-based or programmable consumer electronics, network PCs, minicomputers, mainframe computers, and so on.
- Embodiments may also be practiced in distributed computing environments where tasks are performed by local and remote processing devices that are linked (either by hardwired links, wireless links, or by a combination of hardwired or wireless links) through a communications network.
- program modules may be located in both local and remote memory storage devices.
- An exemplary system for implementing the overall system or portions of the embodiments might include a general purpose computing computers in the form of computers, including a processing unit, a system memory, and a system bus that couples various system components including the system memory to the processing unit.
- the system memory may include read only memory (ROM) and random access memory (RAM).
- the computer may also include a magnetic hard disk drive for reading from and writing to a magnetic hard disk, a magnetic disk drive for reading from or writing to a removable magnetic disk, and an optical disk drive for reading from or writing to a removable optical disk such as a CD ROM or other optical media.
- the drives and their associated machine-readable media provide nonvolatile storage of machine-executable instructions, data structures, program modules and other data for the computer.
- terminal as used herein is intended to encompass computer input and output devices.
- Input devices include a keyboard, a keypad, a mouse, joystick or other input devices performing a similar function.
- the output devices include a computer monitor, printer, facsimile machine, or other output devices performing a similar function.
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- Human Resources & Organizations (AREA)
- Physics & Mathematics (AREA)
- Finance (AREA)
- Accounting & Taxation (AREA)
- Economics (AREA)
- Marketing (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Entrepreneurship & Innovation (AREA)
- Development Economics (AREA)
- Technology Law (AREA)
- Tourism & Hospitality (AREA)
- Quality & Reliability (AREA)
- Operations Research (AREA)
- Data Mining & Analysis (AREA)
- Computer Hardware Design (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
A method of opening an account includes: transmitting, to a client device associated with the customer, a link that deactivates after a predefined amount of time; establishing a connection with the client device via a communication network for a simultaneous browsing experience based on receiving a selection of the link withing the predefined amount of time; transmitting, to the client device during the simultaneous browsing experience, first information for display via a graphical user interface (GUI); receiving, from the branch store computer during the simultaneous browsing experience, customer information relating to opening of the account during the display of the first information via the GUI on the client device; and, opening the account based on the customer information and the customer input received from the client device during the simultaneous browsing experience.
Description
- This application is a continuation of U.S. Non-Provisional patent application Ser. No. 17/505,535 entitled “MOBILE ENABLED ACTIVATION OF A BANK ACCOUNT,” filed on Oct. 19, 2021, which is a continuation of U.S. Non-Provisional patent application Ser. No. 15/391,482, entitled “MOBILE ENABLED ACTIVATION OF A BANK ACCOUNT,” filed on Dec. 27, 2016, which is a continuation of U.S. Non-Provisional patent application Ser. No. 14/509,219, entitled “MOBILE ENABLED ACTIVATION OF A BANK ACCOUNT,” filed on Oct. 8, 2014, which claims the benefit of and priority to U.S. Provisional Application No. 61/889,424, filed Oct. 10, 2013, entitled “MOBILE ENABLED ACTIVATION OF A BANK ACCOUNT,” all of which are incorporated by reference herein in their entireties.
- The present disclosure generally relates to activating a bank account. Specifically, the present disclosure generates to activating a bank account using a server computer and a client device.
- One embodiment of the present disclosure relates a method of activating a bank account. The method comprises establishing, by a bank computer system, a connection with a client device of a customer. The connection is established while the client device is located within a bank store location. The method further comprises providing information of the customer to the client device and receiving customer inputs from the client device while the client device is located within a bank store location. The bank account is activated based on the customer inputs.
- Another embodiment of the present disclosure relates to a method of activating a bank account. The method comprises establishing, by a bank computer system, a connection with a client device of a customer. The bank computer system comprises a bank store computer located within the bank store location. The connection is established while the customer is in-person at the bank store location and is in visual contact with a banking representative that is operating the bank store computer. The method further comprises providing an interactive display to the customer via the client device while the customer is in-person at the bank store location. The interactive display shows information of the customer. The method further comprises receiving, by the bank computer system, customer inputs from the client device while the customer interacts with the interactive display and while the customer is in-person at the bank store location. The customer inputs comprise one or more of (i) updates to personal identification and contact information of the customer, (ii) updates to financial information of the customer, and (iii) selections of products and services. The bank account is activated based on the customer inputs.
-
FIG. 1 is a block diagram of a computer architecture for implementing the systems and methods of the present disclosure. -
FIG. 2 is a flow chart of a method of activating a bank account, according to an exemplary embodiment. -
FIG. 3 is a flow chart of a method of activating a bank account, according to an exemplary embodiment. -
FIG. 4A is an illustration of a user interface of a client device that displays a message to initiate opening a bank account, according to an exemplary embodiment. -
FIG. 4B is an illustration of a user interface of a client device for providing a user with an authentication process, according to an exemplary embodiment. -
FIG. 5 is an illustration of a user interface of a client device displaying a web browser application, according to an exemplary embodiment. -
FIG. 6A is an illustration of a user interface of a client device for viewing needs assessment information, according to an exemplary embodiment. -
FIG. 6B is an illustration of a user interface of a client device for interacting with the needs assessment information ofFIG. 6A , according to an exemplary embodiment. -
FIG. 6C is an illustration of a user interface of a client device for providing information about additional services to a customer, according to an exemplary embodiment. -
FIG. 7 is an illustration of a user interface of a client device for providing a simultaneous interaction between the banking representative and the customer, according to an exemplary embodiment. -
FIG. 8 is an illustration of a user interface of a client device for customer interaction in opening an account, according to an exemplary embodiment. -
FIG. 9 is an illustration of a user interface of a client device for a customer confirming an opening of an account, according to an exemplary embodiment. -
FIG. 10 is an illustration of a user interface of a client device for providing additional steps to a customer after the opening of an account, according to an exemplary embodiment. -
FIG. 11 is an illustration of a user interface of a client device for providing a message after the account opening process, according to an exemplary embodiment. - According to example embodiments, systems and methods disclosed herein use a client device such as a mobile phone or handheld computer to facilitate customer-banker interactions during opening of a bank account, such as at a store location of a bank. For example, after the customer enters the store and informs banker of interest in opening an account, the banker may initiate the account opening process and invite the customer to utilize the customer's personal mobile phone or other device to participate. For example, the banker may complete a customer needs assessment and account application while the customer visualizes financial inputs (e.g., via a customer needs assessment) and confirms/validates application information. The banker may then finalize opening of the account and the customer may sign up for additional services such as online banking, mobile banking, electronic documents, and other related services.
- Referring first to
FIG. 1 ,FIG. 1 shows adata processing system 100 that may be used to implement the systems and methods described herein according to an example embodiment. Thedata processing system 100 includes abank computer system 110 that may be configured to maintain bank accounts held by account holders. For example, thebank computer system 110 may comprise a system of interconnected servers that, for example, execute stored program instructions to implement the operations described herein. Users (e.g., account holders) may access thesystem 110 to receive account information using a variety ofclient devices client devices client devices system 100 through acommunication network 118 which may, for example, include the Internet, telephone networks, wireless networks, point-to-point networks, and/or other networks. -
Bank computer system 110 may includenetwork interface logic 120,account management logic 122,financial planning logic 124,account activation logic 126, in-store computers 128, anddata storage system 130.Network interface logic 120 may be used to establish connections withclient devices system 110 by way ofnetwork 118. For example, in the context of desktop/laptop computers,network interface logic 120 may comprise one or more web servers that provide a graphical user interface (e.g., a series of dynamically-generated web pages) for users that accesssystem 110 through the web. For mobile devices such as cell phones,network interface logic 120 may comprise servers that provide a user interface accessible as a mobile website or via an application executing on the client device. An example of a user interface provided via a client device is described in greater detail below in connection withFIGS. 4A-11 . - The
account management logic 122 may be configured to perform account processing to process transactions in connection with the accounts of the account holders, such as account debits and credits to checking and savings accounts, credits and debits to home mortgage and home equity accounts, credits and debits to student loan accounts, and so on. For example, in the context of checking accounts, the transactions may also include electronic bill payment transactions in which monies from the checking account of the user are used to pay bills received by the user. Theaccount management logic 122 may also be configured to perform processing in connection with other activities associated with the servicing and maintenance of the accounts of the account holders. Theaccount management logic 122 may access and update information stored in thedata storage system 130, which stores details regarding financial institution accounts including information for each financial transaction that occurred. - The
financial management logic 124 may be configured to analyze data generated during account processing performed by theaccount management logic 124 to assist the customer with financial management. For example, thefinancial management logic 124 may include budgeting tools, tools for monitoring cash flow, tools for monitoring investments, tools for developing savings/investment goals, tools for monitoring progress towards savings/investment goals, and so on. - The
account activation logic 126 may be configured to facilitate the creation of new bank accounts for new and existing customers of the bank. For example, for new customers, theaccount activation logic 126 may be configured to collect personal information of the customer to be associated with the new account (e.g., full name and address, driver's license, social security number, and so on). For both new and existing customers, theaccount activation logic 126 may be configured to collect account configuration information that configures account options based on product selections made by the customer. - The in-
store computers 128 may be computers that are located in bank store locations (e.g., branch locations of the bank) and that are used by bank representatives (e.g., bankers) when interacting with customers. For example, the bank store computers may located within a work environment of the bankers, e.g., at the bankers' desks. When customers provide a banker with personal and financial information, the banker may use an in-store bank computer 128 to enter that information into thebank computer system 110. - Referring now to
FIG. 2 ,FIG. 2 is anexample method 200 of activating a bank account.Method 200 may be performed bydata processing system 100 or another appropriate system. Method begins atstep 202 where a connection is established by thebank computer system 100 with theclient device 114. For example, the customer may visit a branch location of the bank to open an account. The customer may be sitting in the work area of a banker and talking/interacting with the banker in-person (e.g., including speaking with the banker and making visual contact with the banker). When the customer informs the banker of the customer's interest in opening an account, such as a checking account, a savings account, a line of credit, a loan, etc., the banker may ask the customer to provide contact information. For example, the banker may ask the customer to provide a mobile telephone number. After the banker enters the contact information into thebank computer system 110 via an in-store computer 128, thebank computer system 110 may send an SMS text message to the customer's mobile telephone. The text message may include a link that may be selected by the customer to initiate a simultaneous browsing experience. The link may include a network address such as a uniform resource locator (URL). For example, when the customer selects the link, the customer may be delivered to a secure website of the bank, and the bank computer may establish a connection with the client device 14 while the customer is still engaged in the in-person interaction with the banker in the branch location. In some implementations, the link may include an expiration parameter, such that the client device has a set amount of time in which to be authenticated. In other embodiments, the simultaneous browsing experience may be initiated in another manner. For example, the contact information requested by the banker may be the e-mail address of the customer, and the link may be sent to the customer's e-mail address which is accessible via the customer's mobile phone. As another example, the customer may enter the URL of a mobile website of the bank directly into the browser application of the mobile telephone. In other embodiments, the simultaneous browsing experience may be initiated using a QR code, NFC connection, or in another manner. - At
step 204, thebank computer system 110 provides account configuration information to theclient device 114. For example, the account configuration information may include personal information that the banker has just collected from the customer (e.g., the name and address of the customer, social security number, and so on), financial management information (e.g., information about financial plans and goals of the customer), information regarding selections of product options (e.g., type of account, account features, and so on), information associated with a needs assessment questionnaire, and/or other types of information. The information may be displayed by theclient device 114 to the customer so that the customer can review/validate the information. - At
step 206, customer inputs are received by thebank computer system 110 from theclient device 114. For example, if the information that is provided to theclient device 114 is personal information that the banker has just collected from the customer (e.g., the name and address of the customer, social security number, and so on), then the inputs received from theclient device 114 may be corrections to that information (e.g., if the banker erroneously captured the information, for example, by mistyping the customer's last name). As another example, if the information that is provided to theclient device 114 is financial management information, then the inputs received from theclient device 114 may be adjustments to that information. For example, theclient device 114 may provide visualizations of the financial information, and the inputs may be adjustments to the financial information of the customer. As another example, if the information that is provided to theclient device 114 is information regarding product options, then the inputs received from theclient device 114 may be selections of new/different product options. - At
step 208, the bank account is activated. The bank account may be activated based on the information received from the customer instep 206. For example, the bank account may be activated based on customer confirmation that the personal information collected by the banker is correct. As another example, the account may be activated based on adjustments to the financial information of the customer. As another example, the account may be activated using product options selected by the customer. - Referring now to
FIGS. 3-11 ,FIGS. 3-11 provide a more detailed example of an arrangement in which aclient device 114 such as a mobile phone or handheld computer is used to facilitate customer-banker interactions during opening of a bank account at a store location of a bank.FIG. 3 is a flowchart showing a process of opening a bank account in greater detail.FIGS. 4A-11 are illustrations of auser interface 400 that may be provided toclient device 114 in connection with opening a bank account. Again, in the example shown inFIGS. 3-11 , a customer is physically present in a bank. As will be appreciated, in other implementations, the customer may communicate with the bank (or other affiliated location) in another manner, such as via an online interaction or over the telephone using a client device 112 (e.g., a laptop computer). - Referring first to
FIG. 3 andFIG. 4A , initially, a customer may inform a bank representative, such as a banker, of the customer's interest in opening an account. In response, in the example ofFIG. 4A , the banker asks the customer to provide a mobile phone number. After the customer provides their mobile telephone number, the banker enters that information into astore computer 130. After thestore computer 130 receives the mobile telephone number from the banker (step 302), thestore computer 130 may cause thebank computer system 110 to send a text message to the customer (step 304). The text message includes a link that may be selected by the customer to cause thebank computer system 130 to establish a connection with the client device 114 (step 306). For example, thebank computer system 130 may initiate a simultaneous browsing experience for the customer via a secure website of the bank. - Referring now to
FIG. 4B , after clicking on the link, the customer may be delivered to an authentication page where the customer is then prompted to provide authentication information before being directed to the mobile web application. In the example ofFIG. 4B , the customer is asked to provide aPIN 404. As will be appreciated, other authentication methods may be also used. For example, the customer may be prompted to provide a login name/password, a personal identification number, and/or other authentication credentials. Theclient device 114 may also provide ancillary credentials such as a user identifier (e.g., cookie) and/or or other data associated with theclient device 114 that the customer is using to open the bank account. In other embodiments, depending on the type of information exchanged with the mobile device (e.g., if no sensitive information is exchanged), the authentication process may be skipped altogether. - Referring now to
FIG. 5 , upon authentication, the customer is delivered to the simultaneous browsing experience. In the example ofFIG. 5 , the customer is provided with a display that provides an overview of what to expect in the meeting with the banking representative. While this overview is being reviewed by the customer, the banking representative may begin opening the account, which may include filling out a customer needs assessment (CNA) questionnaire on behalf of the customer. - Referring now to
FIGS. 6A-6C ,FIGS. 6A-6C show how the interactive browsing experience may be used to provide information to the customer so that the customer can review/validate the information. With reference first toFIG. 6A ,FIG. 6A shows a score card that may be provided to the customer showing various customer goals (step 308). In the example ofFIG. 6A , the score card includes bar graphs 712 that provide an indication of how the customer is doing compared to financial goals of the customer. The financial goals may be received from the customer as part of the information obtained by the banker from the customer in connection with the customer needs assessment questionnaire. The display ofFIG. 6A may provide a “snapshot” of the information obtained as part of the questionnaire. While information about financial goals is provided in the example ofFIG. 6A , as will be appreciated, other information of the customer may also be provided by thebank computer system 110 to theclient device 114. - Referring now to
FIG. 6B ,FIG. 6B shows how the customer may interact with the questionnaire. In the example ofFIG. 6B , the customer may provide feedback or other inputs to thebank computer system 110 by interacting with thebar graphs 612 using sliders 614 (step 310). When adjustments to the information shown inFIG. 6B are received from the customer, that information may be updated in the bank computer system 110 (step 312) and updated displays may be interactively provided to the customer (step 314). For example, inFIG. 6B , the customer can use thesliders 614 to visualize how to adjust financial habits to achieve the customer's financial goals. Forbar graph 615, theslider 614 represents an amount of money that the customer is allocating towards saving and investing each month relative to the amount of money that would need to be allocated in order to meet the customer's savings and investment goals (e.g., a specified level of assets in five years). By adjusting theslider 614, the customer may receive an indication of the amount of income that would need to be allocated towards saving and investing each month in order to reach the customer's goals. Hence, the customer may receive an indication of how to adjust the customer's habits in order to achieve the customer's goals. Other implementations for the customer to provide feedback and other inputs may also be used. - Referring now to
FIG. 6C ,FIG. 6C shows an example of the customer being provided with a call to action in connection with the customer's goals. Based on the information received via thesliders 614, the system assesses what additional products or services the customer may need in order to help the customer meet the customer's financial goals. In the example ofFIG. 6C , the customer is provided with a link to receive information about additional savings/investment products or services. For example, based on the determination that the customer is currently not allocating enough money each month towards savings and investments, apopup 616 may be provided that includes a link for the customer to select. If an input is received from the customer selecting the link, the customer may be provided with additional information regarding savings and investment products that might help the customer reach their goals. The customer may ultimately select one or more of such savings and investment products, and the account activation may occur based on the selections made by the customer (step 314). - Referring now to
FIG. 7 ,FIG. 7 shows an example of the customer being provided with options to browse additional products and services in connection with an account opening. In the example ofFIG. 7 , the bank representative has determined based on the customer needs assessment that a checking account meets the needs of the customer. Hence, the banking representative is in the process of opening up a checking account for the customer. At the same time, the customer is provided with options to browse additional account products and services in connection with the checking account (e.g., mobile deposit, bill pay, budget watch, and so on). For example, the customer may select one of thebuttons 802 to view the additional information. Again, the customer may ultimately select one or more of such products and services, and the account activation atstep 314 may occur based on the selections made by the customer. - Referring now to
FIG. 8 ,FIG. 8 shows an example a customer interaction in connection with validating information used for opening the account. In the example ofFIG. 8 , the banking representative has completed the application and contents of the application are provided to the customer's mobile device. The customer may edit 802, confirm 804, etc. the contents of the application, such as personal identification information, contact information, and so forth. The account activation atstep 314 may occur based on the inputs provided by the customer in connection with updating the contents of the application. - Referring now to
FIG. 9 ,FIG. 9 shows an example of another customer interaction in connection with opening the account. In the example ofFIG. 9 , the customer may e-sign the document atinput field 902. If the customer has difficulty entering the signature, the customer may retry signing by selectingbutton 904. Alternatively, if the signature is successful, the customer may provide an indication to use the signature by selectingbutton 906. The account activation atstep 314 may occur based on the signature inputs provided by the customer. Additionally, the customer may fund the account by providing cash, a check, etc, either in person or electronically. - Referring now to
FIG. 10 ,FIG. 10 shows an example of a display that may be shown to the customer after an account has been opened. In the example ofFIG. 10 , a summary of the account is provided to the customer infield 1002. For example, the summary may include the type of account and an account number. Additional steps may be suggested to the customer after the account is open infield 1004. For example, the additional steps may include signing up for online banking, downloading a mobile bank app, and signing up for paperless documents, and so on. - Referring now to
FIG. 11 ,FIG. 11 shows an example of a display that may be shown to the customer upon completion of the account opening process. In the Example ofFIG. 11 , the customer receives an SMS text message from the banking representative with additional information. For example, inFIG. 11 , the customer receivestext message 1104 with a link to down load a mobile application for online banking via the customer's mobile device. - The embodiments described herein have been described with reference to drawings. The drawings illustrate certain details of specific embodiments that implement the systems, methods and programs described herein. However, describing the embodiments with drawings should not be construed as imposing on the disclosure any limitations that may be present in the drawings. The present embodiments contemplate methods, systems and program products on any machine-readable media for accomplishing its operations. The embodiments of may be implemented using an existing computer processor, or by a special purpose computer processor incorporated for this or another purpose or by a hardwired system.
- As noted above, embodiments within the scope of this disclosure include program products comprising non-transitory machine-readable media for carrying or having machine-executable instructions or data structures stored thereon. Such machine-readable media can be any available media that can be accessed by a general purpose or special purpose computer or other machine with a processor. By way of example, such machine-readable media can comprise RAM, ROM, EPROM, EEPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to carry or store desired program code in the form of machine-executable instructions or data structures and which can be accessed by a general purpose or special purpose computer or other machine with a processor. Combinations of the above are also included within the scope of machine-readable media. Machine-executable instructions comprise, for example, instructions and data which cause a general purpose computer, special purpose computer, or special purpose processing machines to perform a certain function or group of functions.
- Embodiments have been described in the general context of method steps which may be implemented in one embodiment by a program product including machine-executable instructions, such as program code, for example in the form of program modules executed by machines in networked environments. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. Machine-executable instructions, associated data structures, and program modules represent examples of program code for executing steps of the methods disclosed herein. The particular sequence of such executable instructions or associated data structures represent examples of corresponding acts for implementing the functions described in such steps.
- As previously indicated, embodiments may be practiced in a networked environment using logical connections to one or more remote computers having processors. Those skilled in the art will appreciate that such network computing environments may encompass many types of computers, including personal computers, hand-held devices, multi-processor systems, microprocessor-based or programmable consumer electronics, network PCs, minicomputers, mainframe computers, and so on. Embodiments may also be practiced in distributed computing environments where tasks are performed by local and remote processing devices that are linked (either by hardwired links, wireless links, or by a combination of hardwired or wireless links) through a communications network. In a distributed computing environment, program modules may be located in both local and remote memory storage devices.
- An exemplary system for implementing the overall system or portions of the embodiments might include a general purpose computing computers in the form of computers, including a processing unit, a system memory, and a system bus that couples various system components including the system memory to the processing unit. The system memory may include read only memory (ROM) and random access memory (RAM). The computer may also include a magnetic hard disk drive for reading from and writing to a magnetic hard disk, a magnetic disk drive for reading from or writing to a removable magnetic disk, and an optical disk drive for reading from or writing to a removable optical disk such as a CD ROM or other optical media. The drives and their associated machine-readable media provide nonvolatile storage of machine-executable instructions, data structures, program modules and other data for the computer. It should also be noted that the word “terminal” as used herein is intended to encompass computer input and output devices. Input devices, as described herein, include a keyboard, a keypad, a mouse, joystick or other input devices performing a similar function. The output devices, as described herein, include a computer monitor, printer, facsimile machine, or other output devices performing a similar function.
- It should be noted that although the diagrams herein may show a specific order and composition of method steps, it is understood that the order of these steps may differ from what is depicted. For example, two or more steps may be performed concurrently or with partial concurrence. Also, some method steps that are performed as discrete steps may be combined, steps being performed as a combined step may be separated into discrete steps, the sequence of certain processes may be reversed or otherwise varied, and the nature or number of discrete processes may be altered or varied. The order or sequence of any element or apparatus may be varied or substituted according to alternative embodiments. Accordingly, all such modifications are intended to be included within the scope of the present disclosure as defined in the appended claims. Such variations will depend on the software and hardware systems chosen and on designer choice. It is understood that all such variations are within the scope of the disclosure. Likewise, software and web implementations of the present disclosure could be accomplished with standard programming techniques with rule based logic and other logic to accomplish the various database searching steps, correlation steps, comparison steps and decision steps.
- The foregoing description of embodiments has been presented for purposes of illustration and description. It is not intended to be exhaustive or to limit the disclosure to the precise form disclosed, and modifications and variations are possible in light of the above teachings or may be acquired from this disclosure. The embodiments were chosen and described in order to explain the principals of the disclosure and its practical application to enable one skilled in the art to utilize the various embodiments and with various modifications as are suited to the particular use contemplated. Other substitutions, modifications, changes and omissions may be made in the design, operating conditions and arrangement of the embodiments without departing from the scope of the present disclosure as expressed in the appended claims.
Claims (20)
1. A method of opening an account, the method comprising:
receiving, by at least one computer system and from a branch store computer, contact information for contacting a customer;
transmitting, by the at least one computer system to a client device associated with the customer, a link that deactivates after a predefined amount of time;
establishing, by the at least one computer system, a connection with the client device via a communication network for a simultaneous browsing experience based on receiving a selection of the link within the predefined amount of time;
transmitting, by the at least one computer system to the client device during the simultaneous browsing experience, first information for display via a graphical user interface (GUI);
receiving, by the at least one computer system from the branch store computer during the simultaneous browsing experience, customer information relating to opening of the account during the display of the first information via the GUI on the client device; and
opening, by the at least one computer system, the account based on the customer information received from the client device during the simultaneous browsing experience.
2. The method of claim 1 , wherein the link is transmitted to the client device via a SMS message.
3. The method of claim 1 , wherein the connection with the client device is established based on a presence of the customer device within a location associated with the branch store computer.
4. The method of claim 1 , wherein the selection of the link during the predefined amount of time directs a web browser of the client device to a website associated with the branch store computer.
5. The method of claim 1 , further comprising:
transmitting, by the at least one computer system to the client device during the simultaneous browsing experience, second information for display via the GUI, the second information displayed subsequent to the first information for display, the second information configured to be displayed with an interactive slider component.
6. The method of claim 5 , further comprising:
receiving, by the at least one computer system from the client device during the simultaneous browsing experience, a customer input via the interactive slider component.
7. The method of claim 6 , further comprising:
transmitting, by the at least one computer system to the client device during the simultaneous browsing experience, third information regarding for display on the client device, the third information including a second selectable link having an expiration parameter.
8. A computing system for facilitating opening an account, the computing system comprising:
a processing circuit comprising at least one processor coupled to at least one memory storing instructions therein that, when executed by the at least one processor, cause the at least one processing circuit to:
receive, from a branch store computer, contact information for contacting a customer;
transmit, to a client device associated with the customer, a link that deactivates after a predefined amount of time;
establish a connection with the client device via a communication network for a simultaneous browsing experience based on receiving a selection of the link within the predefined amount of time;
transmit, to the client device during the simultaneous browsing experience, first information for display via a graphical user interface (GUI);
receive, from the branch store computer during the simultaneous browsing experience, customer information relating to opening of the account during the display of the first information via the GUI on the client device; and
open the account based on the customer information received from the client device during the simultaneous browsing experience.
9. The computing system of claim 8 , wherein the instructions, when executed by the at least one processor, further cause the at least one processing circuit to transmit the link to the client device via a SMS message.
10. The computing system of claim 8 , wherein the connection with the client device is established based on a presence of the customer device within a location associated with the branch store computer.
11. The computing system of claim 8 , wherein the selection of the link during the predefined amount of time directs a web browser of the client device to a website associated with the branch store computer.
12. The computing system of claim 8 , wherein the instructions, when executed by the at least one processor, further cause the at least one processing circuit:
transmit, to the client device during the simultaneous browsing experience, second information for display via the GUI, the second information displayed subsequent to the first information for display, the second information configured to be displayed with an interactive slider component.
13. The computing system of claim 12 , wherein the instructions, when executed by the at least one processor, further cause the at least one processing circuit to:
receive, from the client device during the simultaneous browsing experience, a customer input via the interactive slider component.
14. The computing system of claim 13 , wherein the instructions, when executed by the at least one processor, further cause the at least one processing circuit:
transmit, to the client device during the simultaneous browsing experience, third information regarding for display on the client device, the third information including a second selectable link having an expiration parameter.
15. A non-transitory computer-readable medium with computer-executable instructions embodied thereon that, when executed by at least one processor of a computing system, cause operations comprising:
receiving, from a branch store computer, contact information for contacting a customer;
transmitting, to a client device associated with the customer, a link that deactivates after a predefined amount of time;
establishing a connection with the client device via a communication network for a simultaneous browsing experience based on receiving a selection of the link within the predefined amount of time;
transmitting, to the client device during the simultaneous browsing experience, first information for display via a graphical user interface (GUI);
receiving, from the branch store computer during the simultaneous browsing experience, customer information relating to opening of an account during the display of the first information via the GUI on the client device; and
opening the account based on the customer information received from the client device during the simultaneous browsing experience.
16. The non-transitory computer-readable medium of claim 15 , wherein the connection with the client device is established based on a presence of the customer device within a location associated with the branch store computer.
17. The non-transitory computer-readable medium of claim 15 , wherein the selection of the link during the predefined amount of time directs a web browser of the client device to a website associated with the branch store computer.
18. The non-transitory computer-readable medium of claim 15 , wherein the instructions, when executed by the at least one processor, further cause operations comprising:
transmitting, to the client device during the simultaneous browsing experience, second information for display via the GUI, the second information displayed subsequent to the first information for display, the second information configured to be displayed with an interactive slider component.
19. The non-transitory computer-readable medium of claim 18 , wherein the instructions, when executed by the at least one processor, further cause operations comprising:
receiving, from the client device during the simultaneous browsing experience, a customer input via the interactive slider component.
20. The non-transitory computer-readable medium of claim 19 , wherein the instructions, when executed by the at least one processor, further cause operations comprising:
transmitting, to the client device during the simultaneous browsing experience, third information regarding for display on the client device, the third information including a second selectable link having an expiration parameter.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US18/201,078 US20230298094A1 (en) | 2013-10-10 | 2023-05-23 | Mobile enabled activation of a bank account |
Applications Claiming Priority (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US201361889424P | 2013-10-10 | 2013-10-10 | |
US201414509219A | 2014-10-08 | 2014-10-08 | |
US201615391482A | 2016-12-27 | 2016-12-27 | |
US17/505,535 US11694256B1 (en) | 2013-10-10 | 2021-10-19 | Mobile enabled activation of a bank account |
US18/201,078 US20230298094A1 (en) | 2013-10-10 | 2023-05-23 | Mobile enabled activation of a bank account |
Related Parent Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US17/505,535 Continuation US11694256B1 (en) | 2013-10-10 | 2021-10-19 | Mobile enabled activation of a bank account |
Publications (1)
Publication Number | Publication Date |
---|---|
US20230298094A1 true US20230298094A1 (en) | 2023-09-21 |
Family
ID=86993127
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US17/505,535 Active US11694256B1 (en) | 2013-10-10 | 2021-10-19 | Mobile enabled activation of a bank account |
US18/201,078 Pending US20230298094A1 (en) | 2013-10-10 | 2023-05-23 | Mobile enabled activation of a bank account |
Family Applications Before (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US17/505,535 Active US11694256B1 (en) | 2013-10-10 | 2021-10-19 | Mobile enabled activation of a bank account |
Country Status (1)
Country | Link |
---|---|
US (2) | US11694256B1 (en) |
Families Citing this family (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US11694256B1 (en) * | 2013-10-10 | 2023-07-04 | Wells Fargo Bank, N.A. | Mobile enabled activation of a bank account |
Citations (9)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8402115B2 (en) * | 1999-09-14 | 2013-03-19 | Droplets, Inc. | System and method for delivering remotely stored applications and information |
US20150222615A1 (en) * | 2014-01-31 | 2015-08-06 | Dropbox, Inc. | Authorizing an untrusted client device for access on a content management system |
US20150288702A1 (en) * | 2014-04-07 | 2015-10-08 | The Toronto-Dominion Bank | Systems and methods for providing information-technology assets in an open environment |
US9503526B2 (en) * | 2008-05-19 | 2016-11-22 | Tandem Diabetes Care, Inc. | Therapy management system |
US20200125247A1 (en) * | 2018-10-22 | 2020-04-23 | Capital One Services, Llc | Dynamic credit report obfuscation |
US11694256B1 (en) * | 2013-10-10 | 2023-07-04 | Wells Fargo Bank, N.A. | Mobile enabled activation of a bank account |
US20230247102A1 (en) * | 2022-01-31 | 2023-08-03 | Content Square SAS | Addressing previous client device technology in online platforms |
US20230351095A1 (en) * | 2022-04-29 | 2023-11-02 | Content Square SAS | Reducing data usage for rendering state changes |
US20240012701A1 (en) * | 2022-07-08 | 2024-01-11 | Content Square SAS | Statistical significance of errors or insights |
Family Cites Families (87)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6910020B2 (en) * | 1996-10-16 | 2005-06-21 | Fujitsu Limited | Apparatus and method for granting access to network-based services based upon existing bank account information |
US8651373B1 (en) | 1998-04-17 | 2014-02-18 | Diebold Self-Service Systems, Division Of Diebold, Incorporated | ATM that allows a user to select a desired transaction by touch dragging a displayed icon that represents the desired transaction |
JP4517522B2 (en) | 2001-03-01 | 2010-08-04 | 沖電気工業株式会社 | Banking system |
US20030139994A1 (en) | 2002-01-22 | 2003-07-24 | Jones John E. | Financial institution system |
US7707511B2 (en) | 2003-11-18 | 2010-04-27 | Gary Edward Peterson | Interactive risk management system and method |
US20060116898A1 (en) | 2003-11-18 | 2006-06-01 | Peterson Gary E | Interactive risk management system and method with reputation risk management |
US20050108080A1 (en) | 2003-11-18 | 2005-05-19 | Peterson Gary E. | Interactive risk management system and method |
US20140019352A1 (en) | 2011-02-22 | 2014-01-16 | Visa International Service Association | Multi-purpose virtual card transaction apparatuses, methods and systems |
WO2006009879A2 (en) | 2004-06-18 | 2006-01-26 | Washington Mutual, Inc. | System for automatically transferring account information, such as information regarding a financial servicees account |
US7933819B2 (en) * | 2004-12-15 | 2011-04-26 | Bank Of America Corporation | Computerized method and system for creating a new brokerage account |
AU2005318933B2 (en) | 2004-12-21 | 2011-04-14 | Emue Holdings Pty Ltd | Authentication device and/or method |
US7991764B2 (en) | 2005-07-22 | 2011-08-02 | Yogesh Chunilal Rathod | Method and system for communication, publishing, searching, sharing and dynamically providing a journal feed |
US20080189185A1 (en) * | 2005-08-10 | 2008-08-07 | Ebank Corporation | Account Opening Method |
US20070061254A1 (en) | 2005-09-15 | 2007-03-15 | Richard Blunck | Systems and methods for opening, funding, and managing financial accounts |
US20070081649A1 (en) | 2005-09-27 | 2007-04-12 | Motorola, Inc. | Method and system for selectively protecting shared contact information |
US8260274B2 (en) | 2006-05-25 | 2012-09-04 | Celltrust Corporation | Extraction of information from e-mails and delivery to mobile phones, system and method |
US8280359B2 (en) | 2006-05-25 | 2012-10-02 | Celltrust Corporation | Methods of authorizing actions |
US8225380B2 (en) | 2006-05-25 | 2012-07-17 | Celltrust Corporation | Methods to authenticate access and alarm as to proximity to location |
US8989778B2 (en) | 2006-06-01 | 2015-03-24 | Green Dot Corporation | Secure and private location sharing for location-aware mobile communication devices |
US8467766B2 (en) | 2006-07-06 | 2013-06-18 | Qualcomm Incorporated | Methods and systems for managing payment sources in a mobile environment |
US7766223B1 (en) | 2007-11-08 | 2010-08-03 | Mello Steven M | Method and system for mobile services |
US8249985B2 (en) | 2007-11-29 | 2012-08-21 | Bank Of America Corporation | Sub-account mechanism |
US8295898B2 (en) | 2008-07-22 | 2012-10-23 | Bank Of America Corporation | Location based authentication of mobile device transactions |
US20100222037A1 (en) * | 2009-03-02 | 2010-09-02 | First Data Corporation | Systems, Methods, and Apparatus for Providing Terms and Conditions and Program Enrollment Information to a Mobile Device |
US20100241535A1 (en) | 2009-03-19 | 2010-09-23 | Brad Nightengale | Account activity alert |
CA2665832C (en) | 2009-05-11 | 2015-12-29 | Diversinet Corp. | Method and system for authenticating a user of a mobile device |
US8141134B2 (en) | 2009-06-08 | 2012-03-20 | Bank Of America Corporation | Authentication engine for enrollment into a computer environment |
SG181940A1 (en) | 2009-12-30 | 2012-07-30 | Infosys Ltd | Partner portal solution for financial sector |
US20110166992A1 (en) | 2010-01-06 | 2011-07-07 | Firethorn Holdings, Llc | System and method for creating and managing a stored value account associated with a client unique identifier |
US20110208603A1 (en) | 2010-02-25 | 2011-08-25 | Bank Of America Corporation | Customer onboarding |
US20110208629A1 (en) * | 2010-02-25 | 2011-08-25 | Bank Of America Corporation | Customer account notification messages |
US20110213658A1 (en) * | 2010-02-26 | 2011-09-01 | Bank Of America Corporation | Banking center community display |
US8219542B2 (en) | 2010-03-25 | 2012-07-10 | Boku, Inc. | Systems and methods to provide access control via mobile phones |
US9286733B2 (en) * | 2010-04-13 | 2016-03-15 | Locomobi Inc. | Location based systems for entry and exit |
US9275360B2 (en) | 2010-05-21 | 2016-03-01 | Hsbc Technology & Services (Usa) Inc. | Account opening flow configuration computer system and process for implementing same |
EP2572338A4 (en) * | 2010-05-21 | 2016-04-27 | Hsbc Technology & Services Usa Inc | Account opening computer system architecture and process for implementing same |
US8417614B1 (en) | 2010-07-02 | 2013-04-09 | The Pnc Financial Services Group, Inc. | Investor personality tool |
GB2482753A (en) * | 2010-07-26 | 2012-02-15 | Quickbridge Uk Ltd | Personalised product sliders |
US9558481B2 (en) | 2010-09-28 | 2017-01-31 | Barclays Bank Plc | Secure account provisioning |
US20120109821A1 (en) | 2010-10-29 | 2012-05-03 | Jesse Barbour | System, method and computer program product for real-time online transaction risk and fraud analytics and management |
US20120136781A1 (en) | 2010-11-30 | 2012-05-31 | Ebay, Inc. | Real-time payments through financial institution |
US8555355B2 (en) | 2010-12-07 | 2013-10-08 | Verizon Patent And Licensing Inc. | Mobile pin pad |
US8306914B2 (en) | 2011-01-07 | 2012-11-06 | American Express Travel Related Services Company, Inc. | Offsite financial account onboarding |
US20120191598A1 (en) | 2011-01-24 | 2012-07-26 | Blackboard Inc. | Joint closed-loop and open-loop instrument issuance for disbursing funds |
US20120330830A1 (en) | 2011-06-23 | 2012-12-27 | Mason James P | System and method for creating and managing a stored value account associated with a client unique identifier |
US9544396B2 (en) | 2011-02-23 | 2017-01-10 | Lookout, Inc. | Remote application installation and control for a mobile device |
US20120233066A1 (en) | 2011-03-07 | 2012-09-13 | Suresh Vallabhaneni | System method and computer program product for mobile financial transactions |
US20120232968A1 (en) | 2011-03-08 | 2012-09-13 | Bank Of America Corporation | Real-time video image analysis for an appropriate payment account |
US9589266B2 (en) | 2011-04-01 | 2017-03-07 | Visa International Service Association | Restricted-use account payment administration apparatuses, methods and systems |
US9760871B1 (en) | 2011-04-01 | 2017-09-12 | Visa International Service Association | Event-triggered business-to-business electronic payment processing apparatuses, methods and systems |
AU2012363110A1 (en) | 2011-06-07 | 2013-12-12 | Visa International Service Association | Payment Privacy Tokenization apparatuses, methods and systems |
US20130275192A1 (en) | 2011-06-24 | 2013-10-17 | Nebil Ben Aissa | Social Network Driven Real-Time Multi-Player, Multi-Merchant, Multi-Bucket Discounting Social Commerce System With Value Tracking, Multi-Layer Commission Forwarding and Discount Processing Systems and Related Methods |
GB2492750A (en) | 2011-07-04 | 2013-01-16 | Sony Corp | Communications system with reconfigurable user identification module |
US9015320B2 (en) | 2011-07-12 | 2015-04-21 | Bank Of America Corporation | Dynamic provisioning of service requests |
US8700527B2 (en) | 2011-07-14 | 2014-04-15 | Bank Of America Corporation | Merchant bill pay |
US10346823B2 (en) | 2011-08-12 | 2019-07-09 | Citibank, N.A. | Methods and systems for activating an electronic payments infrastructure |
US20130046634A1 (en) | 2011-08-19 | 2013-02-21 | Bank Of America Corporation | Combining offers from multiple merchants based on the geographic proximity of the merchants |
US20130054468A1 (en) | 2011-08-25 | 2013-02-28 | Platamovil International BV | System and method for conducting financial transactions |
US20130054422A1 (en) | 2011-08-29 | 2013-02-28 | Michael DeSouza | Location And Event-Based Mobile Commerce Method And System |
US9800688B2 (en) | 2011-09-12 | 2017-10-24 | Microsoft Technology Licensing, Llc | Platform-enabled proximity service |
US20130085861A1 (en) * | 2011-09-30 | 2013-04-04 | Scott Dunlap | Persistent location tracking on mobile devices and location profiling |
US20130144738A1 (en) | 2011-12-01 | 2013-06-06 | Spenzi, Inc. | Gifting and Sharing Using SMS Messages for Shared Coupon/Gift-Card Auto-Redemption and Multi-Source Payment from Buyer's Mobile Phone |
US8818613B2 (en) | 2011-12-09 | 2014-08-26 | General Motors Llc | Application for a communications and processing device |
EP2845159A4 (en) | 2012-04-18 | 2015-11-11 | Mastercard International Inc | Systems and methods for managing transactions for a merchant |
US10290013B2 (en) | 2012-04-20 | 2019-05-14 | Mastercard International Incorporated | Methods and apparatus for standard approach to coupon selection |
US20140012701A1 (en) | 2012-07-05 | 2014-01-09 | Index Systems, Inc. | Electronic commerce network with mobile transactions |
US9704148B2 (en) | 2012-07-27 | 2017-07-11 | @Pay Ip Holdings Llc | Email payment gateway for e-commerce |
US20140046830A1 (en) | 2012-08-08 | 2014-02-13 | Swipe Alert, Llc | Mobile Application For Monitoring and Managing Transactions Associated with Accounts Maintained at Financial Institutions |
US9640040B2 (en) | 2012-08-09 | 2017-05-02 | Diebold Self-Service Systems Division Of Diebold, Incorporated | Accepting a check deposit from a mobile device in communication with an automated teller machine |
US9330384B2 (en) | 2012-09-04 | 2016-05-03 | Paypal, Inc. | In-store card activation |
US20140156525A1 (en) | 2012-11-30 | 2014-06-05 | Bank Of America Corporation | Secure proximate location banking |
US20160048846A1 (en) | 2013-03-15 | 2016-02-18 | Capital One Financial Corporation | System and method for digital authentication |
US10204358B2 (en) | 2013-06-07 | 2019-02-12 | Zeta Global Corp. | Systems and methods for text message alerts and referrals |
WO2015001452A1 (en) | 2013-07-03 | 2015-01-08 | Visa Cape Town (Pty) Ltd | System and method for authorizing direct debit transactions |
US20150039452A1 (en) | 2013-07-30 | 2015-02-05 | Wal-Mart Stores, Inc. | Consolidated Retailer-Operated Electronic Payment System |
US10163153B1 (en) * | 2013-08-26 | 2018-12-25 | Wells Fargo Bank, N.A. | Electronic disclosure delivery system and method |
US10032168B2 (en) | 2014-03-07 | 2018-07-24 | Fmr Llc | Secure validation of financial transactions |
CA2902499A1 (en) | 2014-08-27 | 2016-02-27 | Samer Ziade | Systems and methods for facilitating secure ordering, payment and delivery of goods or services |
US20170344991A1 (en) | 2014-11-10 | 2017-11-30 | Shlomo MARK | User controlled remote credit and bank card transaction verification system |
US10140650B2 (en) | 2014-11-11 | 2018-11-27 | Bank Of America Corporation | Client centric viewer |
US10529015B1 (en) | 2016-04-01 | 2020-01-07 | Wells Fargo Bank, N.A. | Systems and methods for onboarding customers through a short-range communication channel |
KR102389331B1 (en) | 2018-05-07 | 2022-04-21 | 구글 엘엘씨 | Synchronize access control between computing devices |
US11509642B2 (en) * | 2019-08-21 | 2022-11-22 | Truist Bank | Location-based mobile device authentication |
KR20220088739A (en) | 2019-10-21 | 2022-06-28 | 유니버살 일렉트로닉스 인코퍼레이티드 | Consent Management System with Device Enrollment Process |
WO2022072166A1 (en) | 2020-10-01 | 2022-04-07 | Mastercard Internationalincorporated | Systems and methods for securely opening apis with cardholder authentication and consent |
US11765182B2 (en) | 2020-10-23 | 2023-09-19 | Microsoft Technology Licensing, Llc | Location-aware authentication |
US20220188835A1 (en) | 2020-12-11 | 2022-06-16 | Fixed Address Ltd. | Blockchain-based personal data management systems |
-
2021
- 2021-10-19 US US17/505,535 patent/US11694256B1/en active Active
-
2023
- 2023-05-23 US US18/201,078 patent/US20230298094A1/en active Pending
Patent Citations (10)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8402115B2 (en) * | 1999-09-14 | 2013-03-19 | Droplets, Inc. | System and method for delivering remotely stored applications and information |
US9503526B2 (en) * | 2008-05-19 | 2016-11-22 | Tandem Diabetes Care, Inc. | Therapy management system |
US11694256B1 (en) * | 2013-10-10 | 2023-07-04 | Wells Fargo Bank, N.A. | Mobile enabled activation of a bank account |
US20150222615A1 (en) * | 2014-01-31 | 2015-08-06 | Dropbox, Inc. | Authorizing an untrusted client device for access on a content management system |
US20150288702A1 (en) * | 2014-04-07 | 2015-10-08 | The Toronto-Dominion Bank | Systems and methods for providing information-technology assets in an open environment |
US9930046B2 (en) * | 2014-04-07 | 2018-03-27 | The Toronto-Dominion Bank | Systems and methods for providing information-technology assets in an open environment |
US20200125247A1 (en) * | 2018-10-22 | 2020-04-23 | Capital One Services, Llc | Dynamic credit report obfuscation |
US20230247102A1 (en) * | 2022-01-31 | 2023-08-03 | Content Square SAS | Addressing previous client device technology in online platforms |
US20230351095A1 (en) * | 2022-04-29 | 2023-11-02 | Content Square SAS | Reducing data usage for rendering state changes |
US20240012701A1 (en) * | 2022-07-08 | 2024-01-11 | Content Square SAS | Statistical significance of errors or insights |
Also Published As
Publication number | Publication date |
---|---|
US11694256B1 (en) | 2023-07-04 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US11587062B1 (en) | Mobile wallet for non-tokenized cards | |
US11151646B1 (en) | Integrating an externally-supplied interface component into a transaction platform | |
US11423369B2 (en) | Customer-merchant intermediary | |
US11106515B1 (en) | Systems and methods for multi-platform product integration | |
US20090132417A1 (en) | System and method for selecting secure card numbers | |
US20210150624A1 (en) | Intelligent population of interface elements for converting transactions | |
US10872375B1 (en) | Customized lending product system and method | |
US20190340592A1 (en) | One bill date on a graphical user interface | |
US10032164B2 (en) | Systems and methods for authenticating payments over a network | |
US20230298094A1 (en) | Mobile enabled activation of a bank account | |
US8628008B1 (en) | System and method for card customization | |
US11144921B2 (en) | Generation and provisioning of digital tokens based on dynamically obtained contextual data | |
US11698800B2 (en) | Integration of third-party electronic transaction processing | |
US8600871B1 (en) | Credit and prepaid financial card | |
US20230274252A1 (en) | Account open interfaces | |
US10235718B2 (en) | Future resource forecast | |
KR101471926B1 (en) | Processing method for financial products admission and financial server for the same | |
US20210279793A1 (en) | System and method for generating and utilizing a master financial account | |
US20160328709A1 (en) | System for reducing memory usage in a pre-authorized debit manager | |
KR102188641B1 (en) | Financial services system using coporate advisor wireless terminal | |
US20140207678A1 (en) | Disbursement and settlements system and method | |
US11385911B2 (en) | Integration of fragment modules in user interfaces | |
US11995619B1 (en) | Account open interfaces | |
US20230306519A1 (en) | Information providing apparatus and method, program, and information processing terminal | |
US10672000B1 (en) | Bypass system |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
STPP | Information on status: patent application and granting procedure in general |
Free format text: DOCKETED NEW CASE - READY FOR EXAMINATION |
|
STPP | Information on status: patent application and granting procedure in general |
Free format text: NON FINAL ACTION MAILED |