DIGITAL BANKER APPLICATION SYSTEM

A computing system includes a network interface circuit structured to facilitate data transmission over a network, and at least one processing circuit configured to receive account information from a provider device via an input/output device of the provider device, the account information corresponding with a user account, generate a first code including a first unique identifier specific to the account information, the first code being configured to be captured by a user device to cause a browser or an application to launch on the user device, receive a user confirmation from the user device in response to the first code being captured by the user device, the user confirmation including the first unique identifier, determine the first unique identifier received with the user confirmation corresponds with the account information, and open the user account in response to confirming the first unique identifier corresponds with the account information.

TECHNICAL FIELD

The present disclosure relates to technical communication processes. More particularly, the present disclosure relates to particular communication processes of a digital banker application system.

BACKGROUND

In the United States, provider institutions, such as banks and credit unions, are required by law to have a Customer Identification Program (CIP) (e.g., a Know You Customer (KYC) program) for the creation of new accounts. A new account may include, but is not limited to, a deposit account, an extension of credit, or the rental of a safe deposit box. Typically, a bank must obtain at least the name of the applicant associated with the account, the date of birth (for an individual) of the applicant associated with the account, the address of an individual, and an identification number. A provider institution's CIP is intended to enable the provider institution to form a reasonable belief that the provider institution knows the true identity of each customer before allowing the customer to perform one or more actions (e.g., open an account).

SUMMARY

A first example embodiment relates to a computing system. The computing system includes at least one network interface circuit structured to facilitate data transmission over a network and at least one processing circuit comprising one or more processors coupled to non-transitory memory storing instructions that when executed by the one or more processors, cause the at least one processing circuit to receive account information from a provider device via an input/output device of the provider device, the account information corresponding with a user account; generate a first code including a first unique identifier specific to the account information, the first code being configured to be captured by a user device associated with the user account to cause a browser or an application to launch on the user device; receive a user confirmation from the user device in response to the first code being captured by the user device, the user confirmation including the first unique identifier; determine the first unique identifier received with the user confirmation corresponds with the account information; and open the user account in response to confirming the first unique identifier corresponds with the account information.

According to various embodiments, the provider device is not in direct communication with the user device. According to various embodiments, account information includes at least one of a username, a user phone number, a user account number, a user email address, a user ID number, or a user social security number. According to various embodiments, the first code further causes the account information to be displayed within the browser or the application on the user device when captured by the user device. According to various embodiments, the first code further causes a user consent form within the browser or the application on the user device when captured by the user device. According to various embodiments, the user confirmation includes a completed user consent form. According to various embodiments, the first code includes a QR code presented for display on the provider device.

Another example embodiment relates to a computing device. The computing device includes a processing circuit comprising one or more processors coupled to non-transitory memory, wherein the processing circuit is configured to capture a first code displayed on a provider device including a first unique identifier; launch a browser or an application in response to capturing the first code thereby causing a display of a graphical user interface comprising one or more fillable fields with at least one of the one or more fillable fields populated with account information from the captured first code, the account information being specific to a user account; receive a user confirmation request on the computing device; send the user confirmation and the first unique identifier to a provider computing system; and access an account that is opened in response to the user confirmation and the first unique identifier being received by the provider computing system.

According to various embodiments, the processing circuit is further configured to receive a user input to populate an additional one or more fillable fields relative to the at least one of the one or more fillable fields to form secondary account information; and send the secondary account information to the provider computing system. According to various embodiments, the computing device is not in direct communication with the provider device. According to various embodiments, the account information includes at least one of a username, a user phone number, a user account number, a user email address, a user ID number, or a user social security number. According to various embodiments, the first code further causes the account information to be displayed within the browser or the application on the computing device when captured by the computing device. According to various embodiments, the first code further causes a user consent form within the browser or the application on the computing device when captured by the computing device. According to various embodiments, the user confirmation includes a completed user consent form. According to various embodiments, the first code includes a QR code presented for display on the provider device.

Another example embodiment relates to a computer system including at least one network interface circuit structured to facilitate data transmission over a network; and at least one processing circuit comprising one or more processors coupled to non-transitory memory storing instructions that when executed by the one or more processors, cause the at least one processing circuit to generate a first code displayable on a provider device for capture by a user device associated with a user, wherein the first code is configured to cause a browser or an application to launch on the user device, the first code including a first unique identifier; generate a second code specific to the user device in response to confirming an identity of the user, the second code including account information specific to a user account associated with the user, wherein the second code is configured to cause the user device to display a graphical user interface comprising one or more fillable fields with at least one of the one or more fillable fields to be populated with account information from the captured second code, the second code including a second unique identifier; receive a user confirmation from the user device in response to the second code being captured by the user device, the user confirmation including the first unique identifier and the second unique identifier; determine the first unique identifier and the second unique identifier received with the user confirmation corresponds with the account information; and open the user account in response to confirming the first unique identifier and the second unique identifier corresponds with the account information.

According to various embodiments, the first unique identifier is specific to at least one of an individual or a location. According to various embodiments, the second unique identifier is specific to the user account. According to various embodiments, the provider device is not in direct communication with the user device. According to various embodiments, the account information includes at least one of a username, a user phone number, a user account number, a user email address, a user ID number, or a user social security number.

DETAILED DESCRIPTION

Referring generally to the Figures, systems and methods for a digital banker application are disclosed. According to various example embodiments, a digital banker application system allows a provider institution to open an account for a customer (e.g., a client, potential client, customer, potential customer, etc.) according to a particular technical communication process. The digital banker application system allows a provider institution to open an account for a customer at a remote location relative to a local bank branch, such as at a college campus, another business, a pop-up shop, a shopping center, etc. In other arrangements, the digital banker application system may allow a provider institution to open an account for a customer at a local bank branch. In operation, the digital account opening system allows a provider institution to authenticate the identity of a customer at a remote location to allow the customer to complete an account application and open an account at the remote location relative to a branch of the provider institution.

In the United States, and elsewhere around the world, provider institutions may be required to have a Customer Identification Program (CIP). For example, in the United States, a provider institution must have certain procedures in place to confirm the identity of any person that wishes to open an account with the provider institution. In the United States, the CIP rule provides examples of types of documents that are considered primary sources of identification. Examples include a driver's license or passport. However, other forms of identification may be used if identification document enables the provider institution to form a reasonable belief that it knows the true identity of the customer. Given the availability of counterfeit and fraudulently obtained documents, a provider institution is encouraged to review more than a single document to ensure that it has a reasonable belief that it knows the customer's true identity. Due to the prevalence of counterfeit and fraudulently obtained documents, in some situations, a provider institution's CIP and/or KYC program require a physical form of identification be presented to an agent of the provider institution to open a new account. Therefore, there are situations where an account cannot be opened exclusively through a digital application.

Some provider institutions may require an employee to manually check a customer's form of identification (e.g., passport, driver's license, birth certificate, Social Security card, student ID, credit card, debit card, insurance card, etc.) as a part of the provider institution's CIP. For example, a customer (e.g., customer, account holder, credit union member, etc.) may physically visit a local branch of a provider institution to open a savings account with the provider institution. The customer may then fill out preliminary information (e.g., name of the customer, birthdate of the customer, address of the customer, type of account, identification number, etc.) in an application to open an account. After the customer has completed the preliminary information, the customer may then present the partially completed or completed application to open an account to an agent (e.g., employee) at the local branch of the provider institution, along with a form, or multiple forms, of identification (e.g., passport, driver's license, birth certificate, Social Security card, student ID, credit card, debit card, insurance card, etc.). In some situations, a provider institution may require a new customer to provide two or more forms of identification to verify the customer's identity in accordance with the provider institution's CIP. Manually entering the preliminary information and authorizing the account may be time consuming, especially if a large number of customers submit account opening applications at the same time. Further, there may be errors in the paper application that are not discovered until after the event, which may result in a failed account opening attempt (i.e., the account cannot be opened because of the errors in the application). Furthermore, the customer will not be able to immediately access a new account, and instead will need to wait until the agent of the provider institution authorizes the account and completes the account opening at a later time.

According to the present disclosure and as further described herein, a customer or a potential customer may attend a networking event, such as a mixer at a college campus. At the event, an agent or multiple agents of the provider institution may network with customers or potential customers. The agent(s) of the provider institution may assist the customers and/or potential customers (collectively referred to as “customers” herein) open an account with the provider institution. For example, at the mixer, the provider institution hosting the event may provide account application instructions to a potential customer or a group of potential customers. For example, the provider institution may provide the potential customer(s) with a URL or display a code (i.e., a first code), such as a barcode, QR code, etc. By entering the URL code on a computing device or scanning the QR code or barcode, the customer may be directed to a webpage or web application. Via a prompt from the application or webpage, the customer may fill out preliminary account application information (e.g., name of the customer, birthdate of the customer, address of the customer, type of account, identification number, etc.) to open an account. The customer may then submit the partially completed or completed web application to the provider institution. For example, the application can be accessed by the provider institution or a representative of the provider institution, such that the provider institution may confirm the user's identity in accordance with the provider institution's CIP program. The customer may then be instructed (e.g., via a prompt from the application or web page) to present a form, or multiple forms, of identification (e.g., passport, driver's license, birth certificate, Social Security card, student ID, credit card, debit card, insurance card, etc.) to the agent of the provider institution at the event. The agent of the provider institution may then authenticate the form(s) of identification to confirm the customer's identity. For example, the customer may show the agent of the provider institution the customer's preliminary information on the customer's device, and the agent of the provider institution may cross-reference the preliminary information with the information on the customer's form(s) of identification to verify the customer's identity. In response to the identification being authenticated and the customer's identity being verified, the employee may provide the customer with an authentication code (i.e., a second code). The authentication code may be a pre-determined authentication code authorizing an account opening to be completed. For example, after receiving the authentication code from the agent of the provider institution, the customer may enter or otherwise provide the authorization code to/on the web page or application, and the account opening may be completed thereby creating the customer's account. The customer may then access his or her account once the authentication code is received and verified by the provider institution.

This process may reduce or eliminate the need for the agent of the provider institution to access the application from his or her own computing device, thereby reducing the time it takes to complete the account opening. Further, this process may reduce or eliminate the need for the agent of the provider institution to complete the account opening process at a later time.

Referring now toFIG.1, a block diagram of a digital banker application system100is shown, according to an example embodiment. As will be described in further detail below, the digital banker application system100provides customers with the ability to open a new account digitally and from a location remote from the branch location of a provider institution. Further, the digital banker application system100may be used to open a new account digitally at a local branch of the provider institution. The technical process and system described herein may be applicable in situations where forms of identification are required to be reviewed/verified by an agent of the operating entity (e.g., gym membership, etc.). As shown, the digital banker application system100includes a customer device104, a provider agent device254, and a provider institution computing system106. However, in certain embodiments, the provider agent device254may be omitted. The network108provides communicable and operative coupling between the customer device104, the provider agent device254, the provider institution computing system106, and/or other components disclosed and described herein to provide and facilitate the exchange of communications (e.g., data, instructions, messages, values, commands, etc.). The network108may include one or more of a local area network, a wide area, a wired network, or a combination of wireless and wired networks. Examples of network configurations include the Internet, a cellular network, Wi-Fi, Wi-Max, a proprietary banking network, etc. In some embodiments, the network108includes a proprietary banking network to provide secure or substantially secure communications.

The digital banker application system100is shown to include a customer device104and a provider agent device254. The customer device104and the provider agent device254can be any type of computing device associated with a customer and an agent (e.g., an employee and/or representative) of a provider institution, respectively. The customer associated with the customer device104may be an individual that has an account (e.g., savings account, checking account, etc.) with a provider institution or an individual that does not have an account with a provider institution. In some embodiments, the customer may be interested in opening an account (e.g., savings account, checking account, etc.) with a provider institution. The agent of the provider institution associated with the provider agent device254may be an individual, such as a banker, who assists customers setting up new accounts with the provider institution (e.g., a branch banker, a branch manager, provider institution representative, etc.). The customer device104and the provider agent device254can include any type of computing device that may be used to create, access, and/or modify account information of accounts relating to the customer. In this regard, the customer device104and the provider agent device254may include any wearable or non-wearable device. Wearable devices refer to any type of device that an individual wears including, but not limited to, a watch (e.g., a smart watch), glasses (e.g., eyeglasses, sunglasses, smart glasses, etc.), bracelet (e.g., a smart bracelet), etc. The customer device104and the provider agent device254may also include any type of computing device including, but not limited to, a phone (e.g., smartphone), a tablet, a laptop, a desktop computer, a personal digital assistant, etc. The customer device104and the provider agent device254may include the same computing devices (e.g., the customer device104is a tablet and the provider agent device254is a tablet). Alternatively, the customer device104and the provider agent device254may include different computing devices (e.g., the customer device104is a phone and the provider agent device254is a laptop).

In some embodiments, the customer utilizes the customer device104to receive or capture a first code, send preliminary account application information, and send a second code to the provider institution computing system106. In some embodiments, the customer utilizes the customer device104to receive account application instructions, receive authentication instructions, complete an account application, and access account information that is stored and/or otherwise managed by the provider institution computing system106.

As shown inFIG.1, the customer device104can include a network interface circuit124enabling the customer device104to exchange information over the network108, a processing circuit126, and an input/output (I/O) device136. The network interface circuit124can include program logic that facilitates connection of the customer device104to the network108. The network interface circuit124can support communication between the customer device104and other systems. For example, the network interface circuit124can include a cellular modem, a Bluetooth transceiver, a Bluetooth beacon, a radio-frequency identification (RFID) transceiver, and a near-field communication (NFC) transmitter. In some embodiments, the network interface circuit124includes the hardware and machine-readable media sufficient to support communication over multiple channels of data communication. Further, in some embodiments, the network interface circuit124includes cryptography capabilities to establish a secure or relatively secure communication session between the customer device104and provider institution computing system106. In this regard, information (e.g., account information, login information, financial data, and/or other types of data) may be encrypted and transmitted to prevent or substantially reduce the threat of hacking.

The processing circuit126is shown to include a processor128and a memory130. The processor128may be implemented as one or more application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), a group of processing components, or other suitable electronic processing components. The memory130may be one or more devices (e.g., RAM, ROM, Flash memory, hard disk storage) for storing data and/or computer code for completing and/or facilitating the various processes described herein. The memory130may be or include non-transient volatile memory, non-volatile memory, and non-transitory computer storage media. The memory130may include database components, object code components, script components, or any other type of information structure for supporting the various activities and information structures described herein. The memory130may be communicably coupled to the processor128and include computer code or instructions for executing one or more processes described herein.

The customer device104is shown to include a client application132. The client application132is configured to facilitate management of customer accounts on the customer device104and allow the first customer to interact with the customer's accounts. In some embodiments, the client application132is structured to provide displays to the customer device104(e.g., to the I/O device136described below) that enable the customer to view and/or manage customer accounts. Accordingly, the client application132can be configured to send information to, and receive information from, the provider institution computing system106. In some embodiments, the client application132may be an application (e.g., a mobile banking application, a social media application, a mobile wallet application, etc.) for the customer to interact with. The client application132may couple to a website via the network. The client application132may include a mobile banking application and/or a web browser. For example, the client application132may be a mobile banking application or other provider institution application or a web browser application.

In some embodiments, the client application132may be incorporated with an existing application in use by the provider institution computing system106(e.g., a mobile banking application, a service provider application, etc.). In other embodiments, the client application132is a separate software application implemented on the customer device104. The client application132may be downloaded by the customer device104prior to its usage, hard coded into the memory130of the customer device104, or be a network-based or web-based interface application such that the customer device104may provide a web browser to access the application, which may be executed remotely from the customer device104. Accordingly, the customer device104may include software and/or hardware capable of implementing a network-based or web-based application. For example, in some instances, the client application132includes software such as HTML, XML, WML, SGML, PHP (Hypertext Preprocessor), CGI, and like languages.

In the latter instance, the customer (e.g., a customer or potential customer) may have to log onto or access the web-based interface before usage of the application. Further, and in this regard, the client application132may be supported by a separate computing system including one or more servers, processors, network interface circuits, etc. that transmit applications for use to the customer device104.

In certain embodiments, the client application132includes an application programming interface (API) and/or a software development kit (SDK) that facilitate the integration of other applications with the client application132. For example, in some embodiments, the client application132is configured to utilize the functionality of the provider institution computing system106through an API.

The client application132enables a customer to send account information and access account information tied to customer accounts associated with the customer. As described above, the client application132can be provided as an application on the customer device104. For example, the client application132may be implemented as a banking application associated with a provider institution (e.g., that operates the provider institution computing system106) and allows the customer to access a checking account, a savings account, loan/mortgage information, etc. In some embodiments, the client application132constitutes a web browser hard coded into the memory130and includes executable instructions that allow the customer device104to communicate with various systems (e.g., the provider institution computing system106) via a communications protocol (e.g., the HTTP protocol).

In some embodiments, the customer interacts with the client application132via an I/O device136. The I/O device136can include hardware and associated logics that enable the customer to exchange information with the customer device104. An input component of the I/O device136can allow the customer to provide information to the customer device104. The input component may include various hardware and associated logics such as, for example, a mechanical keyboard, a mechanical mouse, a touchscreen, a microphone, a camera, a fingerprint scanner, etc. Likewise, an output component of I/O device136can include hardware and associated logics that allow the customer device104to provide information to the customer. For example, the output component may include a digital display, a speaker, illuminating icons, LEDs, etc. In this way, the customer can interact with the client application132. For example, the customer may provide login information (e.g., customer name, password, etc.) by typing on a mechanical keyboard or touchscreen keyboard included in the I/O device136and be provided account information on a digital display component of the I/O device136.

As shown inFIG.1, the provider agent device254can include a network interface circuit224enabling the provider agent device254to exchange information over the network108, a processing circuit226, and an input/output (I/O) device236. The network interface circuit224can include program logic that facilitates connection of the provider agent device254to the network108. The network interface circuit224can support communication between the provider agent device254and other systems such as the provider institution computing system106and the customer device104. For example, the network interface circuit224can include a cellular modem, a Bluetooth transceiver, a Bluetooth beacon, a radio-frequency identification (RFID) transceiver, and a near-field communication (NFC) transmitter. In some embodiments, the network interface circuit224includes the hardware and machine-readable media sufficient to support communication over multiple channels of data communication. Further, in some embodiments, the network interface circuit224includes cryptography capabilities to establish a secure or relatively secure communication session between the provider agent device254and the provider institution computing system106. In this regard, information (e.g., account information, login information, financial data, and/or other types of data) may be encrypted and transmitted to prevent or substantially prevent a threat of hacking.

The processing circuit226is shown to include a processor228and a memory230. The processor228may be implemented as one or more application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), a group of processing components, or other suitable electronic processing components. The memory230may be one or more devices (e.g., RAM, ROM, Flash memory, hard disk storage) for storing data and/or computer code for completing and/or facilitating the various processes described herein. The memory230may be or include non-transient volatile memory, non-volatile memory, and non-transitory computer storage media. The memory230may include database components, object code components, script components, or any other type of information structure for supporting the various activities and information structures described herein. The memory230may be communicably coupled to the processor228and include computer code or instructions for executing one or more processes described herein.

The provider agent device254is shown to include a provider application232. The provider application232is configured to facilitate management of customer accounts by an agent of the provider institution of a provider institution. In some embodiments, the provider application232is structured to provide displays to the provider agent device254(e.g., to the I/O device236described below) that enable the agent of the provider institution to view and/or manage customer accounts. Accordingly, the provider application232can be configured to send information to and receive information from the provider institution computing system106. In some embodiments, the provider application232may provide an application (e.g., a mobile banking application, a social media application, a mobile wallet application, an account management application, etc.) for the agent of the provider institution to interact with various customers and the accounts associated with the customers.

In some embodiments, the provider application232may be incorporated with an existing application in use by the provider institution computing system106(e.g., a service provider application, etc.). In other embodiments, the provider application232is a separate software application implemented on the provider institution computing system106. The provider application232may be downloaded by the provider institution computing system106prior to its usage, hard coded into the memory230of the provider institution computing system106, or be a network-based or web-based interface application such that the provider institution computing system106may provide a web browser to access the application, which may be executed remotely from the provider institution computing system106. Accordingly, the provider institution computing system106may include software and/or hardware capable of implementing a network-based or web-based application. For example, in some instances, the provider application232includes software such as HTML, XML, WML, SGML, PHP (Hypertext Preprocessor), CGI, and like languages.

In the latter instance, the agent (e.g., an employee of the provider institution) may have to log onto or access the web-based interface before usage of the application. Further, and in this regard, the provider application232may be supported by a separate computing system including one or more servers, processors, network interface circuits, etc. that transmit applications for use to the provider institution computing system106.

In certain embodiments, the provider application232includes an application programming interface (API) and/or a software development kit (SDK) that facilitate the integration of other applications with the provider application232. For example, in some embodiments, the provider application232is configured to utilize the functionality of the provider institution computing system106through an API.

The provider application232can allow an agent (e.g., an agent of the provider institution) of the provider institution to access account information tied to customer accounts associated with the various customer. As described above, the provider application232can be implemented as an application on the provider agent device254. For example, the provider application232may be implemented as a banking application associated with a provider institution (e.g., that operates the provider institution computing system106) and allows the agent of the provider institution to access information associate with various customers, such as checking accounts, savings accounts, loan/mortgage information, credit scores, etc. The provider application232may be implemented as an entity application associated with the entity (e.g., that operates the provider agent device254) and allows the agent of the provider institution to access accounts associated with various customers such as checking accounts, savings accounts, etc. In some embodiments, the provider application232constitutes a web browser hard coded into the memory230and includes executable instructions that allow the provider agent device254to communicate with various systems (e.g., the provider institution computing system106) via a communications protocol (e.g., the HTTP protocol).

In some embodiments, the agent of the provider institution interacts with the provider application232via an I/O device236. The I/O device236can include hardware and associated logics that enable the agent of the provider institution to exchange information with the provider agent device254. An input component of the I/O device236can allow the agent of the provider institution to provide information to the provider agent device254. The input component may include various hardware and associated logics such as, for example, a mechanical keyboard, a mechanical mouse, a touchscreen, a microphone, a camera, a fingerprint scanner, etc. Likewise, an output component of I/O device236can include hardware and associated logics that allow the provider agent device254to provide information to the agent of the provider institution. For example, the output component may include a digital display, a speaker, illuminating icons, LEDs, etc. In this way, the agent of the provider institution can interact with the provider application232. For example, the agent of the provider institution may provide login information (e.g., customer name, password, etc.) by typing on a mechanical keyboard of the I/O device236and be provided account information on a digital display component of the I/O device236.

As shown inFIG.1, digital banker application system100includes a provider institution computing system106. In some embodiments, digital banker application system100includes multiple provider institution computing system106s106. The provider institution computing system106is associated with a provider institution (e.g., a financial institution such as a bank, credit union, credit card company, or another entity) and is operated and maintained by the provider institution.

The provider institution computing system106is shown to include a network interface circuit138and a processing circuit140. As shown, the provider institution computing system106a processing circuit140and a network interface circuit138enabling the provider institution computing system106to exchange information over the network108. In some embodiments, the network interface circuit138and the processing circuit140are similar to and/or the same as the network interface circuit124and the processing circuit126of the customer device104, respectively. The network interface circuit138can include program logic that facilitates connection of the provider institution computing system106to the network108. The network interface circuit138can support communication between the other provider institution computing systems106and other systems, such as the customer device104, the provider agent device254, and/or any third-party computing systems. For example, the network interface circuit138can include a cellular modem, a Bluetooth transceiver, a Bluetooth beacon, a radio-frequency identification (RFID) transceiver, and a near-field communication (NFC) transmitter. In some embodiments, the network interface circuit138includes the hardware and machine-readable media sufficient to support communication over multiple channels of data communication. Further, in some embodiments, the network interface circuit138includes cryptography capabilities to establish a secure or relatively secure communication session between other systems such as the customer device104, the provider agent device254, and/or any third-party computing system. In this regard, information (e.g., account information, login information, financial data, and/or other types of data) may be encrypted and transmitted to prevent or substantially prevent a threat of hacking.

The processing circuit140is shown to include a processor114and a memory116. The processor114may be implemented as one or more application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), a group of processing components, or other suitable electronic processing components. The memory116may be one or more devices (e.g., RAM, ROM, Flash memory, hard disk storage) for storing data and/or computer code for completing and/or facilitating the various processes described herein. The memory116may be or include non-transient volatile memory, non-volatile memory, and non-transitory computer storage media. The memory116may include database components, object code components, script components, or any other type of information structure for supporting the various activities and information structures described herein. The memory116may be communicably coupled to the processor114and include computer code or instructions for executing one or more processes described herein. In some embodiments, the provider institution computing system106is a distributed computing system. In this case, provider institution computing system106may include multiple network interface circuits138and/or multiple processing circuits140.

The provider institution computing system106is shown to include a memory144that is shown to include an account database146. In some embodiments, the processing circuit140can allow the provider institution computing system106to access and provide information stored in the account database146. The account database146(and thereby the provider institution computing system106) can operate as a source of data for account information in the digital banker application system100. In general, the account database146can store data associated with customers and can retrieve said data in response to querying initiated by the processing circuit140. In this way, if the provider agent device254and/or the customer device104institution requests account information from the provider institution computing system106that is stored in the account database148, the processing circuit140can process the request to retrieve the information from the account database148and provide the information back (e.g., via the network108).

Referring now toFIG.2, a flow diagram of an account opening process200is shown according to an example embodiment. It should be appreciated the account opening process200may be performed in any order and that certain processes may be omitted. Reference may be made to the system and components ofFIG.1to aid explanation of process200.

At process202, a first code is captured. For example, the first code may be captured by the customer device104. In certain embodiments, account application instructions may be received by the customer device104in response to the first code being capture. The account application instructions may instruct or otherwise prompt the customer regarding how complete an account application. The account application instructions may be received from the provider institution computing system106and/or the provider agent device254, as will be discussed in further detail below with respect to process204. In one embodiment, account application instructions may be provided to a customer in conjunction with the first code. The account application instructions may instruct the customer how to use/access the first code to open an account.

For example, the agent of the provider institution may display written account application instructions on a poster, brochure, presentation, handout, digital display, etc. For example, the agent of the provider institution may display a poster at an account opening event. The poster may include the first code that is capable of being captured by a customer device104along with account application instructions that instruct the customer how to use/access the code to open an account. In one example embodiment, the account application instructions may instruct the customer to download an application (e.g., the client application132). For example, the customer may utilize a camera, which may be accessible by the client application132, on the customer device104to scan a QR code on the poster.

In another example, the account application instructions may instruct the customer to use an image capture device (e.g., a camera) on the customer device104to capture the first code. When the customer device104captures or scans the first code, a browser or a corresponding application (e.g., the client application132) may be launched on the customer device104. The first code may be embedded with code to cause launching or activation of the client application132, which may be a specific application (e.g., a mobile banking application) or a web browser application. Alternatively, the first code may be a URL that, when entered into the customer device104launches a browser. The browser may display a website with additional account application instructions. Further, the browser may direct a customer to download an application (e.g., the client application132when it is embodied as a specific application and not the web browser) on the customer device104.

In some embodiments, the first code may be a scannable code, such as a bar code, a QR code, a PDF417, Code 39, and a Codabar. For example, the customer device104may be used to scan the first code. In other embodiments, the first code may be a URL that can be captured by the customer device104. For example, a customer may use the I/O device136to enter the URL into the customer device104. Alternatively, the customer device104may be used to scan the URL. In other embodiments, the first code may be a sequence of alphanumeric characters that may be captured by the customer device104. For example, a customer may use the I/O device136of the customer device104to enter the alphanumeric characters into the customer device104. Alternatively, the customer device104may be used to scan the alphanumeric characters.

In some embodiments, the first code may be provided to a customer via a visual medium. For example, an agent of the provider institution may display the first code on a poster, brochure, presentation, handout, digital display, etc. Further, the first code may be generally displayed to members of the public. For example, the first code (e.g., a web address, application name, barcode, etc.) may be displayed on a poster, billboard, or other visual advertisement in public. A poster or digital display that includes the first code may also be displayed inside a local branch of the provider institution. In some embodiments, an agent of the provider institution may display a poster at a mixer. In some embodiments, the first code may be provided to the customer via an audio medium. For example, the agent of the provider institution may verbally read the first code, or otherwise provide the first code, to the first customer. Further, the provider institution may purchase advertisement time on a radio station and/or during a podcast and provide the first code to the customer.

In some embodiments, the first code may be provided to the first customer via a digital medium. For example, the agent of the provider institution may provide the first code to the customer device104in an email, text message, iMessage, etc. For example, the agent of the provider institution may email the first code to a group of customers at a mixer event. For example, if the mixer event is at a college campus, the agent may receive a list of students, along with each student's corresponding email address, and the agent may send an email to the group of students that includes account application instructions and/or the first code. In this case and rather than being a scannable, the first code may be configured as a URL. The URL may be unique (i.e., include unique identifiers) for the specific account opening event, as will be discussed further herein. When the customer selects the URL on the customer device104, the client application132(e.g., a mobile banking application, a browser, etc.) may be launched on the customer device104. For example, the browser may display a website with account application instructions. Further, the browser may direct a customer to download an application on the customer device104, such as the client application132. Further, the first code may be captured by the customer device104via NFC. For example, the first code may be stored on the provider agent device254and sent to the customer device104via NFC tap, such that the customer device104captures the first code. Using short-range wireless transmission protocols add security to the process and enable the process to be specific to event/limited to reduce bandwidth constraints.

The first code is structured to accelerate the account opening process200. For example, by capturing the first code, a website or corresponding application (e.g., the client application132) may be automatically launched on the customer device104so that a customer does not need to search for the proper website and/or corresponding application needed to begin an account application. As will be discussed further herein, unique identifiers embedded into the first code may accelerate the account application process because certain account application information may be automatically populated because of the unique identifiers. Further, the first code is structured to add a layer security and traceability. For example, as is discussed further herein, unique identifiers in the first code may identify the agent that is assisting the customer apply for an account. Further, the unique identifiers may be used to while verifying the second code, thereby adding an additional layer of security.

In certain embodiments, the client application132(e.g., a browser and/or a corresponding application), may be launched on the customer device104in response to the first code being captured. For example, when the first code is captured, a web browser may be launched, and the customer device104may be directed to a webpage. The web page may be operated by the provider institution. For example, the web page may be a virtual banking website. Further, an application, such as a mobile application, may be launched on the customer device104in response to the first code being captured. For example, a mobile banking application operated by the provider institution (e.g., the client application132) may be launched on the customer device104in response to the first code being captured. Further, a request to download an application may be presented on the customer device104in response to the first code being captured on the customer device104. For example, an application download platform (e.g., Apple App Store®, the Android Marketplace®, the Google Play® store, etc.) may be launched on the customer device104in response to the first code being captured. The customer may then be prompted to download the mobile banking application on the customer device104. In some embodiments, the customer device may scan a QR code, which may launch an application download platform, which may prompt the customer to download a mobile banking application on the customer device104, and once downloaded, the mobile banking application may be launched.

In some embodiments, process202may include identifying the location of the customer device104. The customer device104may use a GPS, or other location identification method, to determine the location of the customer device104. For example, the customer device104may use a GPS, or other location identification method, to identify the mixer event as well as the location or approximate location of the customer device104. In some embodiments, the location of the customer device104may be used in conjunction with stored location information regarding the mixer. For example, when the customer device10is within a predefined range of a mixer, a prompt may be sent to the customer device104to capture the first code. Alternatively, the first code may be transmitted as a push notification to the customer device104. In some embodiments, the first code may be transmitted as a push notification to a customer device104that is operated by a customer that is an existing customer with the provider institution such that the provider institution may provide the customer device104with additional products and/or services.

In certain embodiments, the first code may include unique identifiers. For example, the location, date, and/or time of an event may be embedded as unique identifiers within the first code. Further, the identity of an agent of the provider institution may be included as a unique identifier in the first code. In some embodiments, the customer may not be aware that this information is embedded within the first code. The unique identifiers may be used later in the account opening process200. For example, when the second code is received by the provider institution computing system106from the customer device104(see process214below), the second code may include unique identifiers that may be compared to the unique identifiers in the first code as an added layer of security, as will be discussed further herein. Further, the unique identifier may be used to automatically generate preliminary account application information, as will be discussed further with respect to process204and process206. Further, when the first code is captured by the customer device104, the customer device104may use a GPS or other location identification method to determine a position of the customer device104, and the location of the customer device104may be used as a unique identifier. The unique identifiers may be used later in the account opening process200, as will be discussed further herein.

At process204, account application instructions may be received. For example, account application instructions may be received by the customer device104. In certain embodiments, account application instructions may be received by the customer device104in response to the first code being captured. For example, the account application instructions may be received from the provider institution computing system106and/or the provider agent device254. The account application instructions may provide an indication of the information needed by a customer to complete the account application. As discussed above, the account application instructions may be provided to the customer before the first code is captured. In this example embodiment, the account application instructions may instruct the customer how to use/access the first code to open an account. Further, as discussed above, the account application instructions may be provided to the customer in conjunction with the first code. In this example embodiment, the account application instructions may instruct the customer how to use/access the first code to open an account.

The account opening instructions may be received by the customer device104. For example, if a webpage or application (e.g., the client application132) is launched in response to the first code being captured, the webpage or application may display account application instructions. In some embodiments, a graphical user interface (GUI) may be displayed on the customer device104in response to the first code being captured. The GUI may include account application instructions, such as the GUI shown inFIGS.4and5, which are discussed further below. The account application instructions may include information such as the forms of identification that may be needed to open a new account, login information needed to create an account on the webpage or application, and a prompt that instructs the customer to fill in preliminary account application instructions within the webpage or application (seeFIG.5).

The account application instructions received by the customer, or group of customers, may include instructions to begin providing answers to questions needed to open a new account. For example, after the webpage or application (e.g., the client application132) is launched on the customer device104, the webpage or application may display via the I/O device136instructions for filling out preliminary account application information (e.g., name, address, type of account the customer would like to open, etc.) needed to open a new account with the provider institution.

In some embodiments, some of the preliminary account application information may be automatically filled in, at least partly, on behalf of the customer. For example, if the first code includes unique identifiers, certain preliminary account application information may be filled in for the customer automatically using the unique identifiers (i.e., one or more fields of the GUI may be pre-populated with information specific to the first code). For example, if the first code if the first code includes a unique identifier that identifies the location of a local branch, the location of the local branch may be automatically filled in for the customer in the preliminary account information. Similarly, if the first code is displayed at a mixer, the location of the nearest local branch may be automatically filled in. The customer may then use the I/O device136of the customer device104to complete the remainder of the preliminary account application information, as will be discussed below. Alternatively, or additionally, the customer may use the customer device104to upload a photograph or multiple photographs of a physical form of identification to the webpage or application (e.g., the client application132). These photographs may then be scanned, and preliminary account application information may be pulled from the physical form of identification. This information may then be used to automatically fill part, or all of the preliminary account application information as will be discussed below.

Process206includes sending preliminary account application information (i.e., customer information). For example, the customer device104may send preliminary account application information to the provider institution computing system106and/or the provider agent device254. The preliminary account application information may include information requested as a part of the account application instructions. The preliminary account application information may include information needed to open an account with the provider institution. For example, the preliminary account application information may include information required by the provider institution's CIP.

The preliminary account information may include information about the applicant (i.e., the customer) that is needed to open an account with the provider institution. Some or all of the preliminary information may also be required by the provider institution's CIP. For example, the preliminary information may include the customer's first name, middle name, last name, date of birth, address, city, state, and zip code. The preliminary account information may also include information about a form of identification the customer may wish to use to verify the customer's identity. For example, the preliminary account information may include the type of identification (e.g., passport, driver's license, birth certificate, student ID, credit card, debit card, insurance card, etc.) and the identification number (e.g., driver's license number, passport number, etc.).

The preliminary account information may also include a picture of a form, or multiple forms, of identification that the customer may use to verify the customer's identity. For example, the customer may take a picture of the front and back of his or her driver's license using the camera on the customer device104. The customer may then send these pictures, along with the other preliminary account application information to the provider institution. The preliminary account information may also include a preferred local branch that the customer would like to select as the customer's branch. This information may be determined at least in part based on unique identifiers that are included in the first code or determined when the first code is captured. For example, the first code may include a unique identifier that identifies the closest local branch, and this branch may be suggested or selected as the customer's preferred local branch.

In certain embodiments, the customer device104may be used to take a picture of a form of identification that identifies the customer. Once the picture is scanned, the provider application may convert the information on the form of identification to digital data and the preliminary account information may be automatically populated into a preliminary account information field within the financial application, as will be discussed further with respect toFIGS.6and7.

In some embodiments, once the preliminary account application information is received (e.g., by the provider institution computing system106), the provider institution may perform a risk assessment. That is, the provider institution may analyze the account application response and determine whether additional processes are needed to verify the customer's identity. For example, the provider institution or entity may cross-reference information submitted by the customer in the account application response with other information available to the provider institution (e.g., information from a separate account with the provider institution, information provided by a consumer credit reporting agency, scraped information from a social media site(s), etc.) and perform a risk assessment regarding verifying the identity of the customer or other information. In some embodiments, the provider institution may proceed to open a new account for the customer after the risk assessment. For example, if the customer has an extensive credit history or already has an account with the provider institution, and the customer uploads two forms of identification, the bank may determine that no further processes need to be taken to verify the customer's identity. If the provider institution's risk assessment determines that the customer has complied with the provider institution's CIP, the process may skip to process214. However, for example, if the customer does not have an extensive credit history and does not already have an account with the provider institution, the provider institution's CIP may require the provider institution to take further processes to verify the customer's identity, as will be discussed further herein.

In certain embodiments, part of the risk assessment may include providing a contact confirmation code to the customer device104. It should be appreciated that the contact confirmation code may be different from the first code and the second code. For example, the contact confirmation code may be sent by the provider institution computing system106and/or the provider agent device254. In some embodiments, the contact confirmation code may be used to confirm the phone number provided by the customer in the primary account application information. For example, a unique alphanumeric code may be sent as a text message to the phone number provided by the customer in the primary account application information. In some embodiments, the phone number may be associated with the customer device104. The customer may then be prompted to enter the alphanumeric code into the webpage or application (e.g., the client application132) as shown inFIG.13below.

In certain embodiments, process206may also include using the customer device104to take a selfie (i.e., a photograph of the customer using the customer device104). For example, the customer may be prompted to take a photograph of the customer's face using the customer device104. The selfie taken by the customer may then be included in the preliminary account application information. In certain embodiments, as an additional safety measure, facial recognition software may be used to confirm that the face captured in the selfie matches the face on the form(s) of identification uploaded on the customer device104. The selfie may further be used to authenticate the identity of the customer. For example, the selfie may be used at process308as is discussed further herein.

Process208includes receiving a message to confer with an agent. For example, the message to confer with the agent may be received by the customer device104. The message to confer with the agent may be sent to the customer device104by the provider institution computing system106and/or the provider agent device254in response to receiving the preliminary account application information from the customer device104. The message (e.g., a push notification, an in-application message, an email, a text message, etc.) to confer with the agent may include instructions to provide identity information to a provider institution agent (e.g., banker). For example, the message to confer with the agent may include directing a customer to present a physical form, or multiple forms, of identification to an agent of the provider institution.

In some embodiments, the message to confer with the agent may be received by the customer via the customer device104. For example, after a risk assessment is performed, and a determination is made that additional processes need to be taken to verify the customer's identity, a message notification may be displayed on the customer device104. The message notification may include instructions to see an agent of the provider institution. The message to confer with the agent may then be displayed to the customer via the I/O device136of the customer device104.

The message to confer with the agent may include instructing the customer to verify his or her ID with a banker or representative of the provider institution. The message may instruct the customer to verify his or her ID with the agent or representative in response to sending preliminary account application instructions. In an example embodiment, if the customer is at a local branch of the provider institution, the authentication instructions may include instructing the customer to see an agent at the local branch to verify the customer's ID. In another example embodiment, if the customer is not at a local branch or a mixer, the authentication instructions may include instructing the customer to go to the nearest local branch and verify the customer's ID at the local branch. The customer device104may utilize a GPS, or other location identification process, to determine the nearest branch. In this embodiment, a map may be launched within the application (e.g., the client application132) or webpage and the message may include instructions for driving, biking, walking, and/or taking public transit to travel to the nearest local branch.

Process210includes capturing a second code. For example, the second code may be captured by the customer device104. The second code may be captured by the customer device104in response to an agent verifying the identity of the customer. The second code is structured to confirm the identity of the customer based on a verification of identity information from the provider institution agent. Accordingly, the second code may also be referred to as an authentication code herein. The second code may be used to confirm that the customer has verified his or her identity with an agent of the provider institution in compliance with the provider institution's CIP and/or KYC program. By capturing the second code on the customer device104, the agent may not have to use the provider agent device254to confirm that the customer has verified his or her identity with the agent.

In some embodiments, the second code may be a code, such as a bar code, a QR code, a PDF417, Code 39, Codabar, a token that is transmittable via a short-range wireless communication (e.g., a NFC token), etc. For example, the customer device104may be used to scan and capture the second code. In some embodiments, the second code may be a sequence of alphanumeric characters that may be captured by the customer device104. For example, a customer may use the I/O device136of the customer device104to enter the alphanumeric characters into the customer device104. Alternatively, the customer device104may be used to scan and capture the alphanumeric characters.

In some embodiments, the second code may be provided to a customer via a visual medium. For example, an agent of the provider institution may display the second code on paper, handout, digital display, etc. The customer may then use the I/O device136of the customer device104to enter the second code into the customer device104such that the customer device104may capture the second code. Further, the provider agent device254may display the second code to the customer. For example, the agent may use the provider application232to display the second code to the customer. The customer may then use the I/O device136of the customer device104to enter the second code into the customer device104such that the customer device104may capture the second code. Alternatively, the customer may use the customer device104to scan the second code being displayed on the provider agent device254. The agent may provide the customer with a barcode printed on a piece of paper or another medium that can be scanned by the customer device104.

In some embodiments, the second code may be provided to the customer via an audio medium. For example, the agent of the provider institution may verbally read the second code, or otherwise provide the second code, to the first customer. The customer may then use the I/O device136of the customer device104to enter the second code into the customer device104such that the customer device104may capture the second code.

In some embodiments, the second code may be provided to the first customer via a digital medium. For example, the agent of the provider institution may provide the second code to the customer device104in an email, text message, iMessage, etc. For example, the agent of the provider institution may email the second code to the customer in response to verifying the customer's identity. The second code may then be capture by the customer device104. Further, the second code may be sent to the customer device104using NFC. For example, the customer device104may engage in an NFC tap with the provider agent device254, which may send the second code from the provider agent device254(e.g., from the provider application232) to the customer device104(e.g., to the client application132) in response to agent verifying the customer's identity. Thus, the customer device104may capture the second code by NFC tap.

In some embodiments, the second code may include a biometric scan. For example, the customer device104may be capable of capturing a biometric scan. For example, the agent may provide a biometric scan on the customer device104in response to verifying the customer's identity. The biometric scan may then be a part the second code. Further, the biometric scan may be the second code. For example, at a mixer, the agent may individually provide a biometric scan on each customer device104in response to individually verifying each customer's identity.

In some embodiments, the second code may be generated before the customer's identity is verified by agent (i.e., a pre-determined second code). In some embodiments, the second code may be generated before the first code is captured by the customer device104. For example, if an agent is attending a mixer, the agent may generate multiple second codes before the mixer event as is discussed further below with respect toFIGS.3and14. By generating many pre-determined second codes, the agent does not need to generate a new second code after every customer's identity that has been verified, thereby accelerating the account application process.

In some embodiments, the second code may be generated after the first code is captured by the customer device104(i.e., a customer specific second code). For example, the account application authentication code may be an authentication code dynamically generated in real time via the provider agent device254(e.g., generated using the provider application232). For example, the second code may be generated after the agent has verified the customer's identity, as will be discussed further below with respect toFIGS.3and14.

In some embodiments, generating the second code may require the agent of the provider institution to securely log into the provider application232on the provider agent device254. For example, the second code may be generated in response to the agent of the provider institution successfully logging into the provider agent device254using a secure login. Alternatively, or additionally, the provider agent device254may have a biometric reader (e.g., fingerprint scanner, eye scanner, facial recognition, voice recognition, etc.) that the agent of the provider institution may use to securely log into the provider agent device254. For example, the second code may be generated in response to provider agent device254successfully taking a biometric reading of the agent of the provider institution.

In some embodiments, the second code includes unique identifiers. When generating the second code, the agent may enter in code generation parameters, which may be included as unique identifiers in the second code. For example, the location, date, and/or time of a mixer event may be embedded as unique identifiers within the second code. Further, the identity of an agent of the provider institution may be included as a unique identifier in the second code. Further, the location of a local branch of the provider institution may be included as a unique identifier in the second code. These unique identifiers may be embedded into the second code regardless of whether the second code is pre-determined or customer specific. In some embodiments, the customer may not be aware that this information is embedded within the second code. The unique identifiers in the second code may be similar to the unique identifiers in the first code.

In some embodiments, the second code may include customer specific unique identifiers. For example, if the second code is generated in response to the agent verifying the customer's identity, the agent may enter in customer specific information (i.e., code generation parameters) when generating the second code. For example, the agent may enter the name, initials, address, birthday, or any other identifying information that is representative of the customer that presents an ID for authentication as code generation parameters when generating the second code. This information may be entered into the provider agent device254when generating the second code. In this embodiment, the second code is specific to each customer. A carbon copy of this second code may be sent to the provider computing system after it is sent as well to the customer device104. That way, the provider computing system may confirm the second code when it is received from the customer device104.

In some embodiments, unique identifiers in the second code may be used for added security. For example, if the agent enters “Jane Doe” as the name of the customer and “May 28, 1993” as the birthday as code generations parameters, the authentication code may only be accepted by the provider institution for a customer named Jane Doe born on May 28, 1993, as indicated by the preliminary application information submitted at process204. Further, the second code may include unique identifiers that may be compared to the unique identifiers of the first code. For example, if the first code received by customer device104includes a unique identifier that identifies the mixer that the customer is at (e.g., the location, time, date, agent at the mixer, etc.), then the second code may only be accepted by the provider institution computing system106if the unique identifiers in the second code align with the unique identifiers in first code.

In some embodiments, the second code may include restrictive parameters. For example, the authentication code may include a restrictive parameter that requires the authentication code to be provided within a certain time frame (e.g., within 24 hours of being created). Further, the second code may be embedded with a restrictive parameter (e.g., a time expiration period parameter) that requires the second code to be received within a predefined amount of time of the first code, and if the second code is not received with a predefined amount of time of the first code, the second code is not validated.

The authentication code may include a restriction requirement that the authentication code may only be used in conjunction with a specific event. For example, when account application instructions are received at process202, the account application instructions may include instructing the customers at the event to enter in the location and/or event that they are at when beginning the account opening process200. Further, the customer device104may use a GPS or other location identification method to determine the location of the customer device. This location may then be compared to a restrictive parameter that restricts what location the second code may be used at. Additionally, if the customer captures the first code by scanning a barcode, the location and/or specific mixer may be built into the barcode (e.g., as unique identifiers), and therefore automatically recognized by the customer device104when the barcode is scanned. In this example embodiment, the second code may include restrictive parameters that only allow the authentication codes to be successfully submitted by customers that scanned the barcode at the mixer, are at the mixer (e.g., the GPS of the customer device104indicates that the customer device104is within a specified geographic perimeter), and/or the customer indicated that they are at a specific mixer when the customer submitted the preliminary account application information. Further, the second code may include a restrictive parameter that the second code may only be used once, and any subsequent attempt to use the second code may be unsuccessful. The second code may include the above listed restrictive parameters and any other restrictive parameter.

Process212includes sending the second code. For example, the account application authentication code may be sent by the customer device104to the provider institution computing system106. The second code may then be verified by the provider institution computing system106, which may eliminate the need for the agent to verify the customer's account application on the provider agent device254.

In some embodiments, the second code may be automatically sent by the customer device104. For example, once the customer has entered the second code into the customer device104, the second code may be automatically sent to the provider institution computing system106. Further, if the customer uses the customer device104to scan a second code (e.g., a barcode), the application (e.g., the client application132) or webpage may automatically send the second code in response to scanning the second code. Similarly, if the second code includes the agent providing a biometric scan on the customer device104as a second code, the digitized biometric scan may be automatically sent by the customer device104once the biometric scan is complete. In other embodiments, the customer may choose to send the second code using the customer device104.

Once the second code is received by the provider institution computing system106, the second code is verified. For example, the second code may be verified by confirming that the second code was generated by the provider institution computing system106or the provider agent device254by comparing the second code received to a list of second codes that have been generated. Further, the second code may be verified by comparing and unique identifiers in the second code to the preliminary account application information, the unique identifiers in the first code, and any other parameters that the unique identifiers may be compared to. Furthermore, the second code may be verified by checking the restrictive parameters built into the second code. An account may be opened in response to verifying the second code.

Process214includes accessing the account. For example, the account may be accessed by the customer device104. The provider institution computing system106may receive the second code from the customer device104and complete the account opening in response to verifying the account application authentication code. In certain embodiments, an account opening notification may be displayed on the customer device104that indicates that the customer has successfully opened an account with the provider institution. In certain embodiments, completing the account opening enables the customer to access a newly opened account with the provider institution using the customer device104and/or any other device that may be connected to the network108. In some embodiments, the account information may be stored in the account database146of the provider institution computing system106. The customer device104may be configured to access and/or modify account information stored in the account database146of the provider institution computing system106.

Providing customers with the second code may expedite the account opening process. For example, if the agent of the provider institution provides the customer with a second code, the account may be opened immediately when the pre-determined account application authentication code is received and verified by the provider institution computing system106. Therefore, the agent of the provider institution does not need to verify and authorized the application on the provider agent device254or any other device connected to the network108. This may reduce the turnaround time required to open a new account, thereby providing customers access to a new account sooner.

Referring now toFIG.3, an account opening process300is shown according to an example embodiment. In some embodiments, the account opening process300may be performed by the provider institution computing system106and/or the provider agent device254. It should be appreciated the account opening process300may be performed in any order and that certain processes may be omitted.

Process302includes generating a first code. Generating the first code may be done by the provider institution computing system106and/or the provider agent device254. In some embodiments, the first code may be generated using the provider application232. In further embodiments, the first code may be generated by a third party and provided to the provider institution for distribution. Process302may be similar to process202. For example, the first code generated at process302may be the first code captured at process202.

Process304includes providing the first code. In some embodiments, the first code may be provided to a customer device104via the provider institution computing system106and/or the provider agent device254. Process304may be similar to process202and process204. For example, the first code may be provided to the customer and/or customer device104in a similar manner discussed in process202and process204. Further, process304may include providing account application instructions to a customer and/or customer device104in a similar manner as described in process204.

Process306includes receiving preliminary account information (i.e., customer information). In some embodiments, the preliminary account information may be received by the provider institution computing system106and/or the provider agent device254. For example, preliminary account information may be sent by a customer device104and received by the provider institution computing system106and/or the provider agent device254. Process306may be similar to process206. For example, the preliminary account application information sent at process206may be received at process306.

Process308includes authenticating the preliminary account information. For example, the preliminary account information that is received by the provider institution computing system106and/or the provider agent device254at process306may be authenticated by the provider institution computing system106and/or the provider agent device254. As discussed above, authenticating the preliminary account information may include performing a risk assessment. That is, the provider institution or entity may analyze the preliminary account information received at process306and determine whether additional processes are needed to verify the customer's identity. For example, the provider institution or entity may cross-reference information submitted by the customer in the account application response with other information available to the provider institution (e.g., information from a separate account with the provider institution, information provided by a consumer credit reporting agency, etc.) and perform a risk assessment regarding verifying the identity of the customer.

In certain embodiments, the preliminary account information includes the customer's preferred local branch. In this embodiment, the preliminary account information may be authenticated according to the local branch's rules (e.g., in accordance with the local branches CIP and/or KYC programs).

Decision310includes determining whether or not the digital authentication is complete. For example, decision310may be performed by the provider institution computing system106and/or the provider agent device254. As discussed above, in some embodiments, the provider institution computing system106may proceed to open a new account for the customer after the risk assessment performed as a part of authenticating the preliminary account information. For example, the provider institution computing system106may determine that the requirements of the local branch's CIP and/or KYC program have been satisfied. For example, if the customer has an extensive credit history or already has an account with the provider institution, and the customer uploads two forms of identification, the bank may determine that no further process need to be taken to verify the customer's identity. However, if the customer does not have an extensive credit history and does not already have an account with the provider institution, the provider institution's CIP and/or KYC program may require the provider institution to take further processes to verify the customer's identity, as will be discussed further herein. If the digital authentication is completed, the account opening process300may proceed to process312. If the digital authentication is not complete, the account opening process may proceed to process314.

Process312includes opening an account. For example, the provider institution computing system106and/or the provider agent device254may open an account in the name of the customer that submitted the preliminary account information. As discussed above, the account may be accessed by the customer device104. In certain embodiments, process312further includes sending a notification to the customer device104. For example, a notification may be sent by the provider institution computing system106and/or the provider agent device254to a customer device104. The notification may indicate that a new account has been successfully opened and that the account may be accessed immediately by the customer. For example, the customer may access the account on a customer device104.

Process314includes sending a message to confer with an agent. For example, a message or notification (i.e., a stop message, stop notification, etc.) may be sent by the provider institution computing system106and/or the provider agent device254to the customer device104. As discussed above, the stop notification may include instructions to verify a customer's physical form of identification with an agent. For example, if the customer is at a mixer, the stop notification may instruct the customer to see an agent that is at the mixer to verify the customer's identification. The customer may then verify his or her identity with the agent according to the provider institution's CIP and/or KYC program. It should be appreciated that process314may share any or all characteristics with account opening process200. Specifically, process314may include any of all processes described in process208described above.

Process316includes providing a second code. For example, a second code may be provided to the customer device104. As discussed above, in some embodiments, the second code may be provided to the customer device104by the provider institution computing system106and/or the provider agent device254. Further, the second code may be provided by the agent to the customer in response to the agent verifying the agent's identity. The second code may share some or all characteristics of the second code described with respect to the account opening process200above. Further, the second code may be sent (i.e., provided) to the customer any way that is described with respect to the account opening process200above. As discussed herein, the second code may be pre-determined or customer specific. Further, the second code may be generated to include unique identifies. Furthermore, the second code may be generated to include restrictive parameters. In some embodiments, the second code may be generated using the provider application232. In some embodiments, the second code may be generated by a third party and distributed by the provider institution.

Process318involves receiving the second code. For example, the second code may be received by the provider institution computing system106and/or the provider agent device254. Process318may be similar to process212. For example, the second code sent at process212may be received by at process318.

Process320involves opening an account. For example, the provider institution computing system106and/or the provider agent device254may open an account after the second code has been verified in the name of the customer that submitted the preliminary account information. Process320may be similar to process312.

Referring now toFIGS.4-13, multi-feature graphical user interfaces (“GUIs”) are shown according to an example embodiment. For example, the GUIs may be displayed on the customer device104during the account opening process200and/or the account opening process300. Thus, the GUIs may enable any of the functionality that is described with respect to process200and/or process300. The GUIs may be displayed in the client application132(e.g., a browser and/or an application). The GUIs enable the customer to receive account application instructions, enter preliminary account information, receive authentication instructions, enter an account application authentication code, access an account, and any other processes that are described herein.

Referring now toFIG.4, a GUI is shown according to an example embodiment. In some example embodiments, this GUI may be displayed on a customer device104in response to receiving account application instruction as described with respect to process202and/or process304. For example, if a first code is scanned, a browser may be opened, and the GUI ofFIG.4may be displayed on the customer device104. Further, if a URL is entered into the customer device104, a browser may be opened, and the GUI ofFIG.4may be displayed on the customer device104. Furthermore, if a customer device104downloads an application (e.g., the client application132), the GUI ofFIG.4may be displayed on the customer device104when the application is opened.

The GUI ofFIG.4includes an account application instructions area402according to an example embodiment. For example, as shown, the account application instructions area402may include a description of the items (e.g., forms of identification) a customer may need to open an account. The required items may vary based on the type of account that the customer wishes to open and any local branch rules that may apply to the customer. Any unique identifiers that are included in the first code (see process302above) may be used to customize the account application instructions. For example, if the first code includes a unique identifier that identifies the local branch, the account application instructions area402may be updated based on that banks CIP and/or KYC program.

The GUI ofFIG.4also includes a current customer inquiry area404. The current customer inquiry area404allows the customer to use the customer device104to select whether or not the customer already has an account with the provider institution. As discussed above, if the customer already has an account with the provider institution, there may be less processes needed to verify the customer's identity in accordance with the provider institution's CIP and/or KYC programs.

The GUI ofFIG.4also includes a continue application function406. If a customer selects the continue application function406, the customer may continue an application that he or she previously started. For example, a customer may start an application and the partially completed application may be stored on the provider institution computing system106. The customer may then use the continue application function406to access the previously started application and complete the account opening process.

The GUI shown inFIG.4also includes a help icon501. The help icon501may be selected to provide more information about the information that is being requested. For example, if the help icon501is selected, more information may be presented about what the customer may need to start an account (e.g., a driver's license, a state ID, a social security number, and/or an ITIN number).

Referring now toFIG.5, a GUI is shown according to an example embodiment. In some embodiments, the GUI inFIG.5may be displayed on the customer device104. For example, if the customer uses the GUI to indicate that he or she does not currently have an account with the provider institution, then the GUI ofFIG.5may be presented. In some example embodiments, the GUI includes a preliminary account information area408. For example, a customer may enter preliminary account information (e.g., first name, middle initial, last name, id type, id number, expiration date, date of birth, street address, city, state, zip code, etc.) into the preliminary account information area408using the customer device104. In some embodiments, some of the preliminary account information may be automatically populated. For example, if the customer uses the customer device104to scan a first code to receive account application information (e.g., process202), the first code may include unique identifiers. The unique identifiers may be used to automatically populate certain preliminary account application information. For example, if the first code is presented at a mixer, the city, state, and zip code of the mixer may be included as unique identifiers in the first code and may be automatically populated into preliminary account information area408.

The GUI displayed inFIG.5also includes an identification upload option410. If a customer selects the identification upload option410, the customer may be prompted to use his or her customer device104to upload a picture of physical identification that identifies the customer. For example, if the customer selects the identification upload option410, the GUI ofFIG.6may be displayed on the customer device104.

The GUI displayed inFIG.5also includes a first help icon503and a second help icon505. The help icons503,505may be selected to provide more information about the information that is being requested. For example, if the first help icon503is selected, more information may be presented about the accepted types of identification. For example, a pop-up may be displayed that includes a message that indicates the form of identification must include a photo of the customer or the signature of the customer. The pop-up may also include a list of acceptable forms of identification (e.g., a consular card, a credit card, a debit card, a driver's license, employment authentication card, employer ID, municipal ID, passport, permanent resident card, state ID, student ID, etc.). Further, if the second help icon505is selected, more information may be displayed about the street address that is requested (e.g., billing address, current residence, business address, etc.).

Referring now toFIG.6, a GUI is shown according to an example embodiment. For example, the GUI ofFIG.6may be displayed on the customer device104in response to a customer selecting the identification upload option410as described above. According to an example embodiment, the GUI ofFIG.6has an identification information section412. In the identification information section412, the customer may select the issuer (e.g., state, country, university, military branch, etc.) of the customer's physical form of identification. Further, the identification information section412may have a front of identification option and a back of identification option. In some example embodiments, when a customer selects the front of identification option, the customer device104may launch a camera in the customer device and instruct the customer to take a picture of the front side of the customer's physical form of identification. When a customer selects the back of identification option, the customer device104may launch a camera (e.g., within the client application132) in the customer device and instruct the customer to take a picture of the back of the customer's physical form of identification. The images of the physical form of identification may then be scanned, and certain information from the physical form of identification may be digitized and the preliminary account information area408may be partially or completely automatically populated based on the information captured from the customer's form of identification. For example, the preliminary account information area408may be automatically populated on a customer device104as shown inFIG.7.

The GUI displayed inFIG.6also includes a first help icon507and a second help icon509. The help icons507,509may be selected to provide more information about the information that is being requested. For example, if the first help icon507is selected, more information may be presented about what side of the ID constitutes the front side of the ID. Further, if the second help icon509is selected, more information may be presented about what side of the ID constitutes the back side of the ID.

Referring now toFIG.8, a GUI is shown according to an example embodiment. For example, the GUI ofFIG.8may be displayed on the customer device104in response to a customer using a customer device104to send preliminary account information to the provider institution computing system106(e.g., process204). The GUI may include a funding selection area414. For example, the customer may be given the option to fund the new account with a debit or credit card, the customer may transfer funds from an account at another bank, or the customer may fund his or her new account using online banking.

Referring now toFIG.9, a GUI is shown according to an example embodiment. For example, the GUI may be displayed on a customer device104. The GUI ofFIG.9may be presented on the customer device104as a part authenticating the customer's preliminary account information (e.g., process308). The GUI ofFIG.9may instruct the customer to verify his or her identity by confirming a digital CIP authentication code. For example, the customer may enter his or her phone number into a contact field416. The contact field416may also be automatically populated using the phone number provided by the customer when entering the preliminary account information. The GUI ofFIG.9may also have a contact method field418that the customer may use to select the delivery method of the contact confirmation code (e.g., voicemail, text message, email, etc.). Once the customer has completed the contact field416and the contact method field418, the customer may receive a digital CIP authentication code. For example, the customer may receive the contact confirmation code via text message on the customer device104.

Referring now toFIG.10, a GUI is shown according to an example embodiment. For example, the GUI may be displayed on a customer device104. The GUI ofFIG.10may have a preliminary account information review area420. Some or all of the customer's preliminary account information that has either been entered by the customer or automatically populated may be displayed on the customer device104in the preliminary account information review area420. This gives the customer an opportunity to review the preliminary account information and check it for accuracy.

Referring now toFIG.11, a GUI is shown according to an example embodiment. For example, the GUI may be displayed on a customer device104. The GUI may have a second ID selection area422. For example, the second ID selection area422may include instructions for the customer to select the type of identification the customer would like to use as a second form of identification. The GUI shown inFIG.11also includes a first help icon511and a second help icon513. The help icons511,513may be selected to provide more information about the information that is being requested. For example, if the first help icon511is selected, more information may be presented about the second form of ID that is required. Further, if the second help icon513is selected, more information may be presented about the accepted types of identification. For example, a pop-up may be displayed that includes a message that indicates the form of identification must include a photo of the customer or the signature of the customer. The pop-up may also include a list of acceptable forms of identification (e.g., a consular card, a credit card, a debit card, a driver's license, employment authentication card, employer ID, municipal ID, passport, permanent resident card, state ID, student ID, etc.).

Referring now toFIG.12, a GUI is shown according to an example embodiment. For example, the GUI may be displayed on a customer device104. The GUI may have a second ID information area415. In certain embodiments, the customer may use the customer device104to enter in details of a second form of identification. Alternatively, the customer device104may be used to scan the second form of identification and the information may be automatically entered into the second ID information area415. The second ID information area415may vary based on the type of identification being used as a second identification form. For example, if the second identification form is a debit card, the second ID information area415may include information fields for the issuing financial institution, the card number or part of the card number (e.g., the last four digits), the issue date, and the expiration date. Once the second ID information is entered into the second ID information area415, the second ID information may be accessed by the provider institution. In some embodiments, the provider institution may perform a risk assessment to determine if the customer and the customer's application have satisfied the provider institution's CIP and/or KYC program (e.g., decision310). If the customer and the customer's application have satisfied the provider institution's CIP and/or KYC program, the customer may be presented the terms and conditions of having an account with the provider institution, such as shown inFIG.14. If the customer and the customer's application has not satisfied the provider institution's CIP and/or KYC program, then a notification may be displayed on the customer device104as shown inFIG.13.

Referring now toFIG.13, a GUI is shown according to an example embodiment. For example, the GUI may be displayed on the customer device104. The GUI may have an ID confirmation notification area417. For example, the ID confirmation notification area417may present a message to the customer instructing the customer to show the customer's ID(s) to the agent of the provider institution. The ID confirmation notification area417may instruct the customer to present the two forms of ID that had previously been entered into the user device104. The GUI may also include a customer information area419. For example, the ID information (e.g., information from the first form of ID and/or the second form of ID) entered into the user device104may be displayed in the customer information area419. The information displayed in the customer information area419may be used by the customer to ensure that the customer presents the correct form(s) of identification to the agent of the provider institution. Further, the information displayed in the customer information area419may be viewed by the agent of the provider institution when the agent is confirming the customer's identity. For example, the customer may show the agent the customer device104along with the customer's form(s) of identification. In certain embodiments, the customer information area419may be scaled such that the entire customer information area419is viewable on a small mobile screen (e.g., a cell phone screen) on the customer device104. In this example embodiment, the entire customer information area419may be viewed by the agent of the provider institution without scrolling on the customer device104. Further, the GUI has a second code area421. For example, the customer may enter in the second code into the second code area421such that the second code may be captured by the customer device104. Alternatively, the second code may be scanned or otherwise received by the customer device104such that the second code is automatically populated into the second code area421. Once the second code is entered into the second code area421, the second code may be accessed by the provider institution.

The GUI shown inFIG.13also includes a first help icon519, a second help icon521, and a third help icon523. The help icons519,521,523may be selected to provide more information about the information that is being requested. For example, if the first help icon519is selected, more information may be presented about the primary ID may be displayed on the customer device104. For example, a pop-up may be displayed on the screen of the customer device104that indicates that the Primary ID is the ID that the customer entered in the application. Further, if the second help icon521is selected, more information may be presented about the secondary ID may be displayed on the customer device104. For example, a pop-up may be displayed on the screen of the customer device104that indicates that the second ID is the ID that was entered later in the application. Further, if the third help icon523is selected, more information may be displayed about the code (e.g., the second code) that is being required. For example, a pop-up may be displayed on the screen that informs the customer that the code indicates to the provider institution that the agent has verified the customer's form(s) of identification, which helps the provider institution process the customer's application.

Referring now toFIG.14, a GUI is shown according to an example embodiment. Fr example, the GUI may be displayed on a customer device104. The GUI shown inFIG.14includes a terms and conditions area424that may display some or all of the terms and conditions of the provider institution. Further, there may be a consent box, where the customer may consent and opt into the terms and conditions. Once the customer consents to the terms and conditions, a new account may be opened for the customer (e.g., process312). For example, the GUI shown inFIG.15includes an account status area426where the status of the customer's application may be displayed. For example, the account status area426may notify the customer that the account has been opened, at which point the customer may access his or her account.

Referring back to the risk assessment that may be performed after the customer enters the digital CIP authentication code, if it is determined that the customer has not satisfied the provider institution's CIP and/or KYC program, a notification may be displayed on the customer device104indicating that the customer must present a physical form, or multiple forms, of identification to an agent of the provider institution (e.g., process314). The customer may then present a form of identification and complete any other authentication instructions that are presented to the customer (e.g., process208). In response to verifying the customer's identity with the agent, the agent may provide the customer with a second code (e.g., process316). The second code may then be received by the customer device104(e.g., process210). The customer device104may then send the second code (e.g., process212) to the provider institution computing system106and/or provider agent device254(e.g., process318). Once the provider institution has verified the second code, the terms and conditions may be presented to the customer, such as described above with respect toFIG.14. Once the customer consents to the terms and conditions, the provider institution computing system106may open an account (e.g., process320) and a notification may be sent to the customer that the account has been opened, as described above with respect toFIG.15. The customer may then access his or her account (e.g., process214).

Referring now toFIG.16, a GUI is shown according to an example embodiment. For example, the GUI may be displayed on a provider agent device254. For example, the GUI may be displayed on a webpage or within an application. In some embodiments, the GUI ofFIG.16may be displayed within the provider application232. The GUI shown inFIG.16may be used, for example, to create a second code (e.g., the second code used at process318, the account application authentication code used at process210). In some embodiments, the GUI includes a location field502. An agent of the provider institution may use the provider agent device254to enter a location into the location field502. The location may be of a local branch, mixer, an advertisement, etc. The location entered into the location field502may then be included as a unique identifier when the second code is generated. The GUI may also include and agent identification area504. An agent of the provider institution may use the provider agent device254to enter information identifying into the agent identification area504. For example, the agent identification area may be updated to include the agent's name, agent's identification number, and/or any other information that may identify the agent. The information entered into the agent identification area504may be included as a unique identifier when the second code is generated. The GUI may also include a quantity field506. An agent of the provider institution may use the provider agent device254to enter a number of desired codes that the agent would like to create. For example, the agent may know how many or be able to estimate how many customers may attend a mixer. It should be appreciated that the GUI may include other fields that may be filled with information that may be included as a unique identifier in the second code.

In certain embodiments, such as when the agent is at an off-site (i.e., not at a local branch) mixer, the agent may use the GUI shown inFIG.16to generate multiple second codes (e.g., predetermined account application authentication codes) before the mixer starts, thereby accelerating the account opening process. However, an agent may also use the provider agent device254to generate second codes in real time while at the off-site mixer. When the agent is at a local branch and helping customers create new accounts, the agent may use the GUI ofFIG.16to generate a second code in real time for a customer upon verifying a customer's identity in accordance with the provider institution's CIP and/or KYC program.

Referring now toFIG.17, a flow diagram of another account opening process1700is shown, according to an example embodiment. The account opening process1700may be utilized by a provider institution to facilitate opening a customer account. For example, the account opening process1700may be utilized by a provider agent to assist a customer open an account while the two parties meet (e.g., in person, virtually, etc.). In some embodiments, the account opening process300may be performed by the customer device104, the provider institution computing system106and/or the provider agent device254. It should be appreciated that the account opening process1700may be performed in any order and that certain processes may be omitted.

The account opening process1700may involve two or more parties, such as a customer (e.g., a user) and a provider agent (e.g., an agent). As discussed further, the customer and the provider agent may interact with one another for some or all of the account opening process1700. According to various embodiments, the customer operates a customer device104and the provider agent operates the provider agent device254. The customer device104and the provider agent device254may not be in direct communication with one another. Further, the customer device104and/or the provider agent device254may communicate with the provider institution computing system106. According to various embodiments, the account opening process1800is performed entirely by the provider agent device254and the provider institution computing system106.

Process1710includes receiving preliminary account information. For example, the provider agent device254may receive preliminary account information (e.g., account information, customer information, user information, etc.) via the input/output device236. For example, the provider agent may input preliminary account information into the provider agent device254. Process1710may involve the customer communicating (e.g., verbally, via a written document, or any combination thereof) the preliminary account information to the provider agent such that the provider agent may input the preliminary account information into the provider agent device254.

The preliminary account information may include information about the applicant (i.e., the customer) that is needed to open an account with the provider institution. Some or all of the preliminary information may also be required by the provider institution's CIP and/or KYC program. For example, the preliminary information may include the customer's first name, middle name, last name, customer's email address, customer's phone number, customer's date of birth, address, city, state, and zip code. The preliminary account information may also include information about a form of identification the customer may wish to use to verify the customer's identity. For example, the preliminary account information may include the type of identification (e.g., passport, driver's license, birth certificate, student ID, credit card, debit card, insurance card, etc.) and the identification number (e.g., social security number, driver's license number, passport number, etc.).

According to various embodiments, some of the preliminary account information may be submitted via a pin pad that is included in or coupled to the provider agent device254(e.g., a point-of-sale type device with a PIN pad). For example, the customer may be prompted to enter a Social Security Number into the pin pad such that the social security number does not need to be verbally communicated to the banker. The Social Security Number may be included in the preliminary account information.

According to various embodiments, some or all the preliminary account information may be received from the provider institution computing system106. For example, the customer may have previously opened or applied for an account with the provider institution. The provider institution computing system106may retrieve some or all the previously received preliminary account information (e.g., from the memory144) and provide the preliminary account information to the provider agent device254.

In various embodiments, the preliminary account information includes the customer's preferred local branch. In this embodiment, the preliminary account information may be authenticated according to the local branch's rules (e.g., in accordance with the local branches CIP and/or KYC programs).

In various embodiments, the preliminary account information includes one or more offer codes or promotional codes. An offer code may cause a bonus to be activated in response to opening the new account. For example, the offer code may activate a monetary bonus or a special interest rate. For example, the provider agent may determine one or more offer codes and select the one or more offer codes. Additionally, or alternatively, the customer may present the offer code to the provider agent (e.g., via a handout, shown on the customer device104, etc.). The one or more offer codes are included in the preliminary account information and can subsequently be accepted or denied by the customer. The one or more offer codes may be specific to a provider agent and/or a local branch location. For example, adding an offer code to the preliminary account information may cause certain preliminary account information to be automatically populated.

According to various embodiments, process1710may include asking the customer a series of questions to determine which products and/or services are suited or most suited for the customer's needs. For example, a series of questions may be displayed on the provider agent device254and the banker may communicate those questions to the customer. Alternatively, a screen of the provider agent device254or a screen coupled to the provider agent device254may be visible to the customer (e.g., swiveled towards) such that the customer can directly answer the questions. Additionally, or alternatively, the series of questions may be displayed on the customer device104such that the customer is able to answer the series of questions directly on the customer device104.

According to various embodiments, the provider agent device254enters a protected screen share mode before the screen is shown to the customer. For example, the provider agent may select the protected screen share mode and then swivel the screen towards the customer so that the customer can review and enter answers to the series of questions. In the protected screen share mode, sensitive information may be hidden and the provider agent device254may be prevented from closing or minimizing the series of questions such that other information is not displayed to the customer. In order to exit the protected screen share mode, a password or other credential may need to be entered. For example, the provider agent may use his or her device password, which is not known by the customer. Additionally, or alternatively, the provider agent may need to provide a biometric scan to turn off the protected screen share mode. The protected screen share mode transforms the provider agent device254into a relatively secure sensitive receiving information device that prevents, at least partly, the user (i.e., the customer) from accessing information that may be available on the device254. This may enable the provider agent to substantially provide the device254to the customer without fear of accessing unwanted information. For example, a second credential may be required by the provider agent to exit the protected secure share. In some embodiment, the second credential may be different from the first credential that enables access to the protected screen share mode.

After entering the preliminary account information, a customer profile (e.g., a slim profile) may be created. It is referred to as a “slim profile” because the customer profile contains only the basic information and not other information that may be verified by third-parties or other entities. The customer profile may include some or all of the preliminary account information, one or more unique identifiers, and/or any other information discussed herein. The customer profile may be saved and retrieved by one or more of the devices described herein.

Process1715includes authenticating the preliminary account information. For example, the preliminary account information that is received by the provider institution computing system106and/or the provider agent device254at process306may be authenticated by the provider institution computing system106and/or the provider agent device254. As discussed above, authenticating the preliminary account information may include performing a risk assessment. Thus, the provider institution or entity may analyze the preliminary account information received at process306and determine whether additional processes are needed to verify the customer's identity. For example, the provider institution or entity may cross-reference information submitted by the customer in the account application response with other information available to the provider institution (e.g., information from a separate account with the provider institution, information provided by a consumer credit reporting agency, etc.) and perform a risk assessment regarding verifying the identity of the customer (e.g., as described further herein).

As a part of the risk assessment, the provider institution computing system106may determine that the requirements of the local branch's CIP and/or KYC program have been satisfied. For example, if the customer is a new customer, the customer may present multiple and, particular two, forms of identification to the provider agent. The provider agent may determine that no further process need to be taken to verify the customer's identity. However, in other examples, the provider institution's CIP and/or KYC program may require the provider institution to take further processes to verify the customer's identity, as discussed further herein.

According to various embodiments, process1715includes manually checking one or more forms of a customer's identification (e.g., passport, driver's license, birth certificate, Social Security card, student ID, credit card, debit card, insurance card, etc.). For example, the customer may show the provider agent of the provider institution the customer's form(s) of identification to verify the customer's identity. The provider agent may cross-reference the information in the customers form(s) of identification with the preliminary account information received by the provider agent device254to verify the customer's identity. In response to the identification being authenticated and the customer's identity being verified, the employee may cause an authentication code to be included with the preliminary account information. The authentication code may pre-authorize an account to be opened in the customer's name, as discussed further herein. For example, the customer may then access his or her account once the authentication code is received and verified by the provider institution computing system106.

According to various embodiments, authenticating an existing customer may include requiring the customer to swipe an existing transaction card (e.g., a debit card or credit card). Authenticating the existing customer may include requiring the entering a value, such as numerical value (e.g., a PIN for a debit card), an alpha value, and/or alphanumerical value or code. Authenticating the existing customer may include requiring the customer to answer one or more security questions (e.g., that were answered previously by the customer when setting up an account). Authenticating the existing customer may include requiring the customer to present/provide a token (e.g., stored on the customer device104). For example, the token may be communicated to the provider agent device254via a short range wireless communication (e.g., an NFC tap). The device token for the customer device may be stored by the provider computing system and checked via the tap to confirm whether the transmitted/provided token aligns with the stored token for verification. The provider agent may further request a form of ID be presented along with the token to confirm the identity of the token.

Process1720includes generating a first code. For example, the first code may be generated by the provider agent device254in response to receiving the preliminary account information and/or authenticating the preliminary account information. Process1720may further include displaying the first code on the provider agent device254for capture by the customer device104. For example, after generating the first code, the first code may be displayed on a screen (e.g., the input/output device236) such that the first code may be captured by user customer device104. By providing a code to the customer device104, the preliminary account information may be provided to the customer device104without the customer device being in direct communication with the provider agent device254, which may improve security and efficiency of the process. According to various embodiments, the provider agent device254is placed in a protected screen share mode before the screen (e.g., displaying the first code) is shown to the customer.

When the customer device104captures or scans the first code, a browser or a corresponding application (e.g., the client application132) may be launched on the customer device104. The first code may be embedded with computer code to cause a launching or activation of the client application132, which may be a specific application (e.g., a mobile banking application) or a web browser application. Alternatively, the first code may be a URL that, when captured on the customer device104(e.g., entered using the input/output device136, captured via a camera of the customer device104, etc.) launches a browser. The browser may display a website with additional account application instructions. Further, the browser may direct a customer to download an application (e.g., the client application132when it is embodied as a specific application and not the web browser) on the customer device104.

In some embodiments, the first code may be a scannable code, such as a bar code, a QR code, a PDF417, Code 39, and a Codabar. For example, the customer device104may be used to scan the first code. In other embodiments, the first code may be a URL that can be captured by the customer device104. For example, a customer may use the I/O device136to enter the URL into the customer device104. Alternatively, the customer device104may be used to scan the URL. In other embodiments, the first code may be a sequence of alphanumeric characters that may be captured by the customer device104. For example, a customer may use the I/O device136of the customer device104to enter the alphanumeric characters into the customer device104. Alternatively, the customer device104may be used to scan the alphanumeric characters.

In some embodiments, the first code may be provided to the customer via an audio medium. For example, the agent of the provider institution may verbally read the first code, or otherwise provide the first code, to the first customer.

In some other embodiments, the first code may be provided to the customer device104via a digital medium. For example, the agent of the provider institution may provide the first code to the customer device104in an email, text message, iMessage, etc. For example, the agent of the provider institution may email the first code to the customer's email address. In this case and rather than being a scannable, the first code may be configured as a URL. The URL may be unique (i.e., include unique identifiers) for the specific to the customer, the provider agent, and/or a local branch, as will be discussed further herein. When the customer selects the URL on the customer device104, the client application132(e.g., a mobile banking application, a browser, etc.) may be launched on the customer device104. For example, the browser may display a website with account application instructions. Further, the browser may direct a customer to download an application on the customer device104, such as the client application132.

Further, the first code may be captured by the customer device104via a short range wireless communication, such as a Bluetooth communication or, preferably, a NFC transmission. For example, the first code may be stored on the provider agent device254and sent to the customer device104via NFC tap, such that the customer device104captures the first code. The NFC taps adds security to the process because of the requirement that the provider agent device and customer device104be positioned within a NFC tap distance from each other, which is usually less than five centimeters.

The first code may be embedded with data (e.g., unique identifiers). For example, the first code may include one or more unique identifiers that include some or all of the preliminary account information. In this sense, the first code may be specific to the customer. The unique identifier may include one or more codes (e.g., alphanumeric sequences) that are generated (e.g., by the provider agent device254, the provider institution computer system103, and/or the user device104). Each code may be specific to a specific characteristic of the user account (e.g., branch location, provider agent identity, customer account number, etc.). According to various embodiments, the first code includes preliminary account information such that capturing the first code on the customer device104may launch a browser or an application in response to capturing the first code thereby causing a display of a graphical user interface comprising one or more fillable fields with at least one of the one or more fillable fields populated with preliminary account information from the captured first code. Some or all the account information may be specific to a user account and therefore may accelerate the account opening process.

According to various embodiments, the browser or application may allow the user to input additional account information. For example, the browser or application may include fields that allow a user to enter or populate with sensitive information regarding the customer (e.g., account passwords, identification numbers such as social security numbers, account numbers, etc.). Further, the browser or application may include fields that allow the customer to customize a card (e.g., a credit card, a debit card, etc. to include, for example, specific card art). The browser or application may include a field to enter a W9 certification. Furthermore, the browser or application may include a field that allows the customer to link another account to the user account (e.g., for funding of the new account).

Further, the first code may include one or more unique identifiers that includes the authentication code. As discussed herein, the authentication code may pre-authorize an account to be opened in the customer's name. Thus, when submitting a customer confirmation, as discussed further herein, the customer confirmation may include the authentication code such that the customer may access the account in real time without the need for further authentication to be done after submitting the customer confirmation.

Furthermore, the first code may cause a customer confirmation request (e.g., a user confirmation request) to be launched on the customer device104(e.g., within the browser or the application). The customer confirmation request may be a graphical user interface that includes a terms and conditions area that may display some or all of the terms and conditions of the provider institution. Further, there may be a consent area that the customer may use to consent and opt into the terms and conditions.

Additionally, the first code may include a unique identifier including a security code. The security code may be specific to the customer account such that the security code cannot be used in conjunction with any other customers and/or customer accounts. The security code may be an alphanumeric code that is generated in response to the preliminary account information being received. The security code may be provided to the provider institution computing system106by the provider agent device254, captured by the user device104(e.g., when the first code is captured) and subsequently provided to the provider institution computing system106by the user device104. For example, when submitting the customer confirmation, the customer device104may further provide the security code. Before opening the customer account, the provider institution computing system106may determine the security code corresponds with the customer account and used for added security. According to various embodiments, some or all of the information in the first code may be encrypted. The encryption key may be stored on the provider institution computing system106such that the information in the first code may be decrypted and utilized during the account opening process1700. For example, the security code and/or the authentication code may be encrypted such that the customer device104cannot determine the encrypted codes. The customer device104may subsequently provide the encrypted codes to the provider institution computing system106such that the provider institution computing system106can confirm the security code and/or the authentication code before opening the customer account.

At process1725, a customer confirmation is received. For example, the customer may complete the terms and conditions and/or the customer consent form within the browser or application on the customer device104and the customer device104may send the completed terms and conditions and consent or a confirmation of completed terms and conditions to the provider institution computing system106. Further, the customer may accept or decline the one or more offer codes or promotional codes included in the preliminary account information.

Further, process1725may include receiving one or more unique identifiers. The provider institution computing system106may determine that the one or more unique identifiers corresponds with the preliminary account information before opening an account. For example, the provider institution computing system106may receive the security code and/or the authentication code from the customer device104and determine that the security code and/or the authentication code correspond with the customer account. The security code and/or the authentication code may be encrypted and the provider institution computing system106may store an encryption key such that the provider institution computing system106can confirm the security code and/or the authentication code before opening the customer account. Process1725may further include receiving the additional account information completed within the browser or application on the customer device104.

Process1725may further include receiving a customer contact confirmation. For example, a customer contact confirmation request (e.g., an email, phone number, and/or text message) may be provided to an email address or phone number identified in the preliminary account information. The customer may submit a customer confirmation request in response to the customer contact confirmation request (e.g., by selecting a link in the email or text message).

At process1730, the customer account is opened. As discussed herein, the customer account may be opened in real time or substantially real time, without additional authentication needed. For example, the authentication can be completed at process1715and the authentication code can be provided to the provider institution computer system106by the customer device104such that further authentication does not need to be completed. Once the account is open, the customer device104may complete additional account opening operations (e.g., a streamlined enrollment), such as agreeing to online access, setting a card pin number, enrolling in a mobile/digital wallet, enrolling in a paperless enrollment program, providing funding, applying for additional financial services, and/or any other account related activities.

According to various embodiments, the customer may receive a summary after the account is opened. For example, the summary may be provided as a digital message (e.g., text message, email, web notification, message on the client application132, etc.). Additionally or alternatively, a printed summary may be provided to the customer if the customer is at a local branch.

According to various embodiments, the customer may be a new customer or an existing customer. The customer may include joint applications. The customer may be an adult or a minor. The customer may or may not have a Social Security Number or Individual Taxpayer Identification Number. The customer may be a resident or a non-resident alien (relative to the U.S.). The customer may be an entity, such as a business. The process1700may be completed in English or any other language.

Referring now toFIG.18, a flow diagram of another account opening process1800is shown, according to an example embodiment. The account opening process1800may be utilized by a customer to facilitate opening a customer account. For example, the account opening process1700may be utilized by the customer to assist the customer open an account while meeting with a provider agent (e.g., in person, virtually, etc.). In some embodiments, the account opening process300may be performed by the customer device104, the provider institution computing system106and/or the provider agent device254. It should be appreciated that the account opening process1800may be performed in any order and certain processes may be omitted.

The account opening process1800may involve two or more parties, such as a customer (e.g., a user) and a provider agent (e.g., an agent). As discussed further, the customer and the provider agent may interact with one another for some or all of the account opening process1800. According to various embodiments, the customer operates a customer device104and the provider agent operates the provider agent device254. The customer device104and the provider agent device254may not be in direct communication with one another. Further, the customer device104and/or the provider agent device254may communicate with the provider institution computing system106. According to various embodiments, the account opening process1800is performed entirely by the customer device104.

Process1810includes capturing a first code. For example, the customer device106may capture the first code generated by the provider agent device254at process1720. For example, the first code may be generated by the provider agent device254in response to receiving the preliminary account information and/or authenticating the preliminary account information. The first code may be displayed on the provider agent device254and captured by the customer device106, as described herein. In this sense, the customer device106and the provider agent device254may not be in direct communication. Additionally or alternatively, the first code may be entered into the customer device via the input/output device136(e.g., the code may be provided to the customer via an audio medium). Further, the first code may be provided to the customer device104via a digital medium. Further, the first code may be captured by the customer device104via NFC.

As discussed further herein, when the customer device104captures or scans the first code, a browser or a corresponding application (e.g., the client application132) may be launched on the customer device104. The first code may be embedded with code to cause launching or activation of the client application132, which may be a specific application (e.g., a mobile banking application) or a web browser application. Alternatively, the first code may be a URL that, when captured by the customer device104(e.g., entered using the input/output device136, captured via a camera of the customer device104, etc.) launches a browser. The browser may display a website with additional account application instructions. Further, the browser may direct a customer to download an application (e.g., the client application132when it is embodied as a specific application and not the web browser) on the customer device104.

The first code may be embedded with data (e.g., unique identifiers). For example, the first code may include one or more unique identifiers that include some or all the preliminary account information. In this sense, the first code may be specific to the customer. According to various embodiments, the first code includes preliminary account information such that capturing the first code on the customer device104may launch a browser or an application in response to capturing the first code thereby causing a display of a graphical user interface comprising one or more fillable fields with at least one of the one or more fillable fields populated with preliminary account information from the captured first code. Some or all the account information may be specific to a user account and therefore may accelerate the account opening process.

According to various embodiments, the browser or application may allow the user to input additional account information. For example, the browser or application may include fields that allow a user to enter sensitive information the customer (e.g., account passwords, identification numbers such as social security numbers, account numbers, etc.). Further, the browser or application may include fields that allow the customer to customize a card (e.g., a credit card, a debit card, etc.). The browser or application may include a field to enter a W9 certification. Furthermore, the browser or application may include a field that allows the customer to link another account to the user account (e.g., for funding of the new account).

Furthermore, the first code may include a customer confirmation request. For example, capturing the first code may cause a customer confirmation request (e.g., a user confirmation request) to be launched on the customer device104(e.g., within the browser or the application. The customer confirmation request may include a terms and conditions area that may display some or all of the terms and conditions of the provider institution. Further, there may be a consent area that the customer may use to consent and opt into the terms and conditions. For example, a GUI may be generated from within the browser or application on the customer device104. The GUI may include the terms and conditions and a customer confirmation box (see, e.g.,FIG.30). The customer may click a check box to confirm the customer agrees to the terms and conditions. The confirmation may then be provided to the provider institution computing system106.

Furthermore, the first code may include a security code and/or an authentication code. The security code and the authentication code may facilitate opening the user account in real time (e.g., in response to providing the security code and the authentication code to the provider computing system106) without further need to authenticate the identity of the customer, as described further herein. The security code and/or the authentication code may be encrypted such that the security code and authentication code are hidden from the customer device104.

Process1820includes providing preliminary account information. For example, the customer device104may provide preliminary account information to the provider institution computing system106. The preliminary account information may include the preliminary account information included in the first code and/or additional preliminary account information entered into the customer device104.

Process1820may include providing additional information (e.g., unique identifiers) included in the first code. For example, the security code and/or the authentication code may be provided to the provider institution computing system106. Process1802may further include providing the customer confirmation (e.g., the completed terms and conditions and consent or a confirmation of completed terms and conditions) to the provider institution computing system. For example, a GUI may be generated from within the browser or application on the customer device104. The GUI may include the terms and conditions and a customer confirmation box (see, e.g.,FIG.30). The customer may click a check box to confirm the customer agrees to the terms and conditions. The confirmation may then be provided to the provider institution computing system106.

Process1830includes accessing the account. For example, the customer may access the customer account on the customer device104(e.g., within the client application132) in response to the preliminary account information, the unique identifiers, the customer confirmation, and/or any other information provided to the provider computing system. After accessing the account, the customer may provide further onboarding data, such as agreeing to online access, setting a card PIN value, enrolling in a mobile wallet, enrolling in a paperless enrollment program, and/or any other account related activities.

Referring now toFIG.19, a flow diagram of another account opening process1900is shown, according to an example embodiment. The account opening process1700may be utilized by a provider institution to facilitate opening a customer account. For example, the account opening process1700may be utilized by a provider agent to assist a customer open an account while the two parties meet (e.g., in person, virtually, etc.) without the need for the customer to access the customer device104. In some embodiments, the account opening process300may be performed by the customer device104, the provider institution computing system106and/or the provider agent device254. It should be appreciated that the account opening process1900may be performed in any order and that certain processes may be omitted.

The account opening process1900may involve two or more parties, such as a customer (e.g., a user) and a provider agent (e.g., an agent) associated with the provider institution described herein. As discussed further, the customer and the provider agent may interact with one another for some or all of the account opening process1900. According to various embodiments, the customer operates a customer device104and the provider agent operates the provider agent device254. The customer device104and the provider agent device254may not be in direct communication with one another. Further, the customer device104and/or the provider agent device254may communicate with the provider institution computing system106.

Process1910includes receiving preliminary account information. For example, the provider agent device254may receive preliminary account information (e.g., account information, customer information, user information, etc.) via the input/output device236. Process1910may be the same or similar to process1710described above.

Process1915includes authenticating the preliminary account information. For example, the preliminary account information that is received by the provider institution computing system106and/or the provider agent device254at process306may be authenticated by the provider institution computing system106and/or the provider agent device254. Process1915may be the same or similar to process1715described above.

At process1920, a customer confirmation is received. For example, the customer may complete the terms and conditions and/or the customer consent form on the provider agent device254. According to an example embodiment, the terms and conditions and/or the customer consent form are printed off for the customer to review and complete. In another embodiment, a customer confirmation request may be displayed on the provider agent device254and presented to the customer. The customer confirmation request may include a terms and conditions area that may display some or all of the terms and conditions of the provider institution. Further, there may be a consent area that the customer may use to consent and opt into the terms and conditions. The customer may utilize the input/output device236of the provider device to complete the customer confirmation request and the completed customer confirmation may be provided to the provider institution computing system106. For example, the customer may use a pin pad to complete the customer confirmation. According to various embodiments, the pin pad may be a part of the provider agent device254or coupled to the provider agent device254.

Process1920may include receiving a customer contact confirmation. For example, a customer contact confirmation request (e.g., an email or text message) may be provided to an email address or phone number identified in the preliminary account information. The customer may confirm his or her email address or phone number by selecting a link in the email or text message. The customer may complete a customer confirmation request by selecting a link in the email or text message.

At process1925, the customer account is opened. Process1925may include creating an account number, storing the account number in the account database146, and associating the account number with account information associated with the customer. As discussed herein, the customer account may be opened in real time, without additional authentication needed. For example, the authentication can be completed at process1915and the authentication code can be provided to the provider institution computer system106by the provider agent device254such that further authentication does not need to be completed. Once the account is open, the customer may access his or her account using the customer device104.

At process1930, additional onboarding data may be received. For example, additional onboarding data may be received from the customer device104. For example, the customer may access the customer account on the customer device104(e.g., within the client application132) in response to the preliminary account information, the unique identifiers, the customer confirmation, and/or any other information provided to the provider computing system. After accessing the account, the customer may provide further onboarding data, such as agreeing to online access, setting a card pin number, enrolling in a mobile wallet, enrolling in a paperless enrollment program, and/or any other account related activities.

Referring now toFIG.20, a flow diagram of another account opening process2000is shown, according to an example embodiment. The account opening process2000may be utilized by a provider institution to facilitate opening a customer account. For example, the account opening process2000may be utilized by a provider agent to assist a customer open an account while the customer visits a local branch. According to various embodiments, the account opening process200may be utilized by a plurality of customers at a particular local branch having a limited number of provider agents. In some embodiments, the account opening process300may be performed by the customer device104, the provider institution computing system106and/or the provider agent device254. It should be appreciated the account opening process2000may be performed in any order and that certain processes may be omitted.

At process2010, a first code is generated. Generating the first code may be done by the provider institution computing system106and/or the provider agent device254. In some embodiments, the first code may be generated using the provider application232. In further embodiments, the first code may be generated by a third party and provided to the provider institution for distribution. The first code may be generated in a similar manner as the first code generated in process302described above.

For example, the agent of the provider institution may display written account application instructions on a poster, brochure, presentation, handout, digital display, etc. For example, the agent of the provider institution may display a poster within a bank location. The poster may include the first code that is capable of being captured by a customer device104along with account application instructions that instruct the customer how to use/access the code to open an account. In one example embodiment, the account application instructions may instruct the customer to download an application (e.g., the client application132). For example, the customer may utilize a camera, which may be accessible by the client application132, on the customer device104to scan a QR code on the poster.

In another example, the account application instructions may instruct the customer to use an image capture device (e.g., a camera) on the customer device104to capture the first code. When the customer device104captures or scans the first code, a browser or a corresponding application (e.g., the client application132) may be launched on the customer device104. The first code may be embedded with computer code/instructions to cause launching or activation of the client application132, which may be a specific application (e.g., a mobile banking application) or a web browser application. Alternatively, the first code may be a URL that, when entered into the customer device104launches a browser. The browser may display a website with additional account application instructions. Further, the browser may direct a customer to download an application (e.g., the client application132when it is embodied as a specific application and not the web browser) on the customer device104.

In some embodiments, the first code may be a scannable code, such as a bar code, a QR code, a PDF417, Code 39, and a Codabar. For example, the customer device104may be used to scan the first code. In other embodiments, the first code may be a URL that can be captured by the customer device104. For example, a customer may use the I/O device136to enter the URL into the customer device104. Alternatively, the customer device104may be used to scan the URL. In other embodiments, the first code may be a sequence of alphanumeric characters that may be captured by the customer device104. For example, a customer may use the I/O device136of the customer device104to enter the alphanumeric characters into the customer device104. Alternatively, the customer device104may be used to scan the alphanumeric characters.

Further, the first code may be captured by the customer device104via NFC. For example, the first code may be stored on an NFC device within a local branch such that the first code is sent to the customer device104via NFC tap, such that the customer device104captures the first code. Using short-range wireless transmission protocols add security to the process and enable the process to be specific to event/limited to reduce bandwidth constraints.

The first code is structured to accelerate the account opening process200. For example, by capturing the first code, a website or corresponding application (e.g., the client application132) may be automatically launched on the customer device104so that a customer does not need to search for the proper website and/or corresponding application needed to begin an account application. As will be discussed further herein, unique identifiers embedded into the first code may accelerate the account application process because certain account application information may be automatically populated because of the unique identifiers. Further, the first code is structured to add a layer security and traceability. For example, as is discussed further herein, unique identifiers in the first code may identify the agent that is assisting the customer apply for an account. Further, the unique identifiers may be used to while verifying the second code, thereby adding an additional layer of security.

In certain embodiments, the client application132(e.g., a browser and/or a corresponding application), may be launched on the customer device104in response to the first code being captured. For example, when the first code is captured, a web browser may be launched, and the customer device104may be directed to a webpage. The web page may be operated by the provider institution. For example, the web page may be a virtual banking website. Further, an application, such as a mobile application, may be launched on the customer device104in response to the first code being captured. For example, a mobile banking application operated by the provider institution (e.g., the client application132) may be launched on the customer device104in response to the first code being captured. Further, a request to download an application may be presented on the customer device104in response to the first code being captured on the customer device104. For example, an application download platform (e.g., the Apple App Store®, the Android Marketplace®, the Google Play® store, etc.) may be launched on the customer device104in response to the first code being captured. The customer may then be prompted to download the mobile banking application on the customer device104. In some embodiments, the customer device may scan a QR code, which may launch an application download platform, which may prompt the customer to download a mobile banking application on the customer device104, and once downloaded, the mobile banking application may be launched.

In some embodiments, process2010may include identifying the location of the customer device104. The customer device104may use a GPS, or other location identification method, to determine the location of the customer device104. For example, the customer device104may use a GPS, or other location identification method, to identify the local branch location as well as the location or approximate location of the customer device104. In some embodiments, the location of the customer device104may be used in conjunction with stored location information regarding the branch location. For example, when the customer device10is within a predefined range of a branch location, a prompt may be sent to the customer device104to capture the first code. Alternatively, the first code may be transmitted as a push notification to the customer device104. In some embodiments, the first code may be transmitted as a push notification to a customer device104that is operated by a customer that is an existing customer with the provider institution such that the provider institution may provide the customer device104with additional products and/or services.

In certain embodiments, the first code may include one or more unique identifiers. For example, the location of a local branch may be embedded as one or more unique identifiers within the first code (e.g., as latitude and longitude coordinates, as a specific location value assignment (e.g., ABCXXX2426 refers to Branch A in Boise, ID), etc.). Further, the identity of an agent of the provider institution may be included as a unique identifier in the first code. In some embodiments, the customer may not be aware that this information is embedded within the first code. The unique identifiers may be used later in the account opening process2000. For example, when the customer confirmation is received by the provider institution computing system106from the customer device104(see process2045below), the customer confirmation may include one or more unique identifiers that may be compared to the one or more unique identifiers in the first code as an added layer of security, as will be discussed further herein. Further, the one or more unique identifiers may be used to automatically generate preliminary account application information, as will be discussed further with respect to process2015and process2035below. Further, when the first code is captured by the customer device104, the customer device104may use a GPS or other location identification method to determine a position of the customer device104, and the location of the customer device104may be used as a unique identifier. The one or more unique identifiers may be used later in the account opening process2000, as will be discussed further herein.

At process2015, preliminary account information is received. For example, the customer device104may send preliminary account application information to the provider institution computing system106and/or the provider agent device254. The preliminary account application information may include information requested as a part of the account application instructions. The preliminary account application information may include information needed to open an account with the provider institution. For example, the preliminary account application information may include information required by the provider institution's CIP. Process2015may be the same or similar to process306described above.

At decision2020, a determination is made as to whether an agent (e.g., a provider agent) is available to meet with the customer. According to various embodiments, the customer may indicate on the customer device104whether or not an agent is available. For example, the browser or application may cause a notification to be displayed on the customer device104asking the customer if there is an agent available such that the customer may confirm whether or not an agent is available.

According to various embodiments, the provider institution computing system206may determine whether or not an agent is available. For example, one or more provider agents may be identified using one or more of the unique identifiers. For example, the first code may include a unique identifier that identifies one or more provider agents corresponding with the local branch. Further, the location of the customer device104and/or the location of the first code may be included in the received preliminary account information (e.g., as a unique identifier) and the location may be utilized by the provider institution computing system106to determine one or more agents corresponding with the location.

According to various embodiments, the provider institution computing system106may access one or more calendars that depicts the schedules of the one or more agents to determine which agents are available.

Additionally or alternatively, the provider institution computing system106may ping one or more provider agent devices254located at the branch to determine which provider agents are using a provider agent device254and/or not currently assisting another customer.

According to various embodiments, a notification could be provided to one or more provider agent devices106. The notification may ask the provider agent to confirm the provider agent's availability (e.g., current availability or future availability). By confirming which provider agent is available, processing resources may be reduced by only sending the notification to provider agents that are working and/or associated with a particular local branch.

If a provider agent is not available, an appointment request may be received at process2025. For example, upon determining that an agent is not available, an appointment request form (e.g., a specific graphical user interface or another electronic document or other document that enables the customer to request an appointment, such as a day of the appointment, expertise of the agent needed for the appointment, etc.) may be provided to the customer device104such that the customer can schedule a future appointment. The customer device104may then be used to send the appointment request, which may be received by the provider institution computing system106.

If a provider agent is available, the customer may be instructed to see the available agent and the preliminary account information may be retrieved at process2030. For example, the preliminary account information received at process2015may be retrieved by the provider agent device254. According to various embodiments, a notification may be displayed on the customer device106that includes identifying information for the available agent (e.g., name, desk number, office location, etc.).

Process2030may further include the provider agent device254receiving additional customer account information. For example, process2030may be similar to process1710described above.

Process2035includes authenticating the preliminary account information. For example, the preliminary account information that is received by the provider institution computing system106and/or the provider agent device254at process306may be authenticated by the provider institution computing system106and/or the provider agent device254. As discussed above, authenticating the preliminary account information may include performing a risk assessment. That is, the provider institution or entity may analyze the preliminary account information received at process306and determine whether additional processes are needed to verify the customer's identity. For example, the provider institution or entity may cross-reference information submitted by the customer in the account application response with other information available to the provider institution (e.g., information from a separate account with the provider institution, information provided by a consumer credit reporting agency, etc.) and perform a risk assessment regarding verifying the identity of the customer (i.e., an assessment regarding whether the customer has the identity purported to have).

According to various embodiments, process2035includes manually checking a customer's form of identification (e.g., passport, driver's license, birth certificate, Social Security card, student ID, credit card, debit card, insurance card, etc.) by one or more agents of the provider institution. For example, the customer may show the provider agent of the provider institution the customer's form(s) of identification to verify the customer's identity. The provider agent may cross-reference the information in the customers form(s) of identification with the preliminary account information received by the provider agent device254to verify the customer's identity. In response to the identification being authenticated and the customer's identity being verified, the employee may cause an authentication code to be included with the preliminary account information. The authentication code may pre-authorize an account to be opened in the customer's name, as discussed further herein. For example, the customer then accesses his or her account once the authentication code is received and verified by the provider institution computing system106.

Process2040includes generating a second code. For example, the second code may be generated by the provider agent device254in response to receiving the preliminary account information and/or authenticating the preliminary account information. Process2040may be similar or the same as process1720discussed above. For example, the second code may be the same or similar to the first code discussed above with respect toFIGS.17and18.

At process2045, a customer confirmation is received. For example, the customer may complete the terms and conditions and/or the customer consent form on the provider agent device254. For example, a GUI may be generated from within the browser or application on the customer device104. The GUI may include the terms and conditions and a customer confirmation box (see, e.g.,FIG.30). The customer may click a check box to confirm the customer agrees to the terms and conditions. The confirmation may then be provided to the provider institution computing system106. For example, a customer confirmation request may be displayed on the provider agent device254and presented to the customer. The customer confirmation request may include a terms and conditions area that may display some or all of the terms and conditions of the provider institution. Further, there may be a consent area that the customer may use to consent and opt into the terms and conditions. The customer may utilize the input/output device236of the provider device to complete the customer confirmation request and the completed customer confirmation may be provided to the provider institution computing system106.

Process2045may include receiving a customer contact confirmation. For example, a customer contact confirmation request (e.g., an email or text message) may be provided to an email address or phone number identified in the preliminary account information. The customer may confirm his or her email address or phone number by selecting a link in the email or text message. The customer may complete a customer confirmation request by selecting a link in the email or text message.

At process2050, the customer account is opened. As discussed herein, the customer account may be opened in real time, without additional authentication needed. For example, the authentication can be completed at process1915and the authentication code can be provided to the provider institution computer system106by the provider agent device254such that further authentication does not need to be completed. Once the account is open, the customer may access his or her account using the customer device104.

Referring now toFIG.21, a flow diagram of another account opening process100is shown, according to an example embodiment. In some embodiments, the account opening process300may be performed by the customer device104, the provider institution computing system106and/or the provider agent device254. It should be appreciated the account opening process2100may be performed in any order and that certain processes may be omitted.

At process2110, a first code is captured. Capturing the first code may be done by the customer device104. In some embodiments, the first code may be generated using the provider application232. In further embodiments, the first code may be generated by a third party and provided to the provider institution for distribution. For example, the first code generated at process2010may be the first code captured at process2110.

At process2115, preliminary account information is provided. For example, the customer device104may send preliminary account application information to the provider institution computing system106and/or the provider agent device254. The preliminary account application information may include information requested as a part of the account application instructions. The preliminary account application information may include information needed to open an account with the provider institution. For example, the preliminary account application information may include information required by the provider institution's CIP. For example, the preliminary account information provided at process2115may be received at process2015.

At decision2120, a determination is made as to whether an agent (e.g., a provider agent) is available to meet with the customer. Decision2120may be the same or similar to decision2020described above.

If a provider agent is not available, an appointment request may be provided at process2125. For example, upon determining that an agent is not available, an appointment request form may be provided to the customer device104such that the customer can schedule a future appointment. The customer device104may then be used to send the appointment request, which may be received by the provider institution computing system106. The appointment request provided at process2125may be the appointment request received at process2025.

If a provider agent is available, the customer may be instructed to see the available agent and the preliminary account information may be retrieved and/or additional account information may be provided and entered into the provider agent device254as described above with respect to process2030. Further, the preliminary account information may be authenticated as described above with respect to process2035and a second code may be generated as described above with respect to process2040.

Process2130includes capturing a second code. The second code may be captured by the customer device104. For example, process2130may be similar to process1810described above. For example, the second code captured at process1810may be the second code generated at process2040. For example, the second code may be the same or similar to the first code discussed above with respect toFIGS.17and18.

At process2145, a customer confirmation is provided. For example, the customer may complete the terms and conditions and/or the customer consent form on the provider agent device254. For example, a customer confirmation request may be displayed on the provider agent device254and presented to the customer. The customer confirmation request may include a terms and conditions area that may display some or all of the terms and conditions of the provider institution. Further, there may be a consent area that the customer may use to consent and opt into the terms and conditions. The customer may utilize the input/output device236of the provider device to complete the customer confirmation request and the completed customer confirmation may be provided to the provider institution computing system106.

Process2145may include providing a customer contact confirmation. For example, a customer contact confirmation request (e.g., an email or text message) may be provided to an email address or phone number identified in the preliminary account information. The customer may confirm his or her email address or phone number by selecting a link in the email or text message. The customer may complete a customer confirmation request by selecting a link in the email or text message.

At process2150, the customer account is accessed. For example, the customer may access the customer account on the customer device104(e.g., within the client application132) in response to the preliminary account information, the unique identifiers, the customer confirmation, and/or any other information provided to the provider computing system. After accessing the account, the customer may provide further onboarding data, such as agreeing to online access, setting a card pin number, enrolling in a mobile wallet, enrolling in a paperless enroll, etc.

Referring now toFIG.22, a GUI2200for inputting preliminary account application information is shown, according to an example embodiment. For example, the GUI2200may be displayed on the provider agent device254(e.g., as a part of process1710, process1910, process2030, etc.). According to various embodiments, the GUI2200displays current customer information in the preliminary account information fields2210. For example, the provider agent may use the provider agent device254to search for an existing customer profile and pull up the customer information for display in the preliminary account information fields.

Referring now toFIG.23, a GUI2300for inputting preliminary account application information is shown, according to an example embodiment. For example, the GUI2300may be displayed on the provider agent device254(e.g., as a part of process1710, process1910, process2030, etc.). According to various embodiments, the GUI2300displays new customer information in the preliminary account information fields2310. For example, the provider agent may use the provider agent device254to enter in preliminary account information provided by the customer.

Referring now toFIG.24, a GUI2400for inputting preliminary account application information is shown, according to an example embodiment. For example, the GUI2400may be displayed on the provider agent device254(e.g., as a part of process1710, process1910, process2030, etc.). According to various embodiments, the GUI2400displays a series of questions2410to determine which products are suited for the customer's needs. According to various embodiments, the provider agent device254enters a protected screen share mode before the screen is shown to the customer. For example, the provider agent may select the protected screen share mode and then swivel the screen towards the customer so that the customer can review and enter answers to the series of questions. In the protected screen share mode, sensitive information may be hidden and the provider agent device254may be prevented from closing the series of questions such that other information is not displayed.

Referring now toFIG.25, a GUI2500for exiting a protected screen share mode is shown, according to an example embodiment. For example, the GUI2500may be displayed on the provider agent device254(e.g., as a part of process1710, process1910, process2030, etc.). According to various embodiments, to exit the protected screen share mode, a password or other credential may need to be entered into an exit box2510. For example, the provider agent enters use his or her device password into the exit box2510, which is not known by the customer. Additionally or alternatively, the provider agent may provide a biometric scan to turn off the protected screen share mode. The provider agent may exit the protected screen share mode after the series of questions is completed and the screen is swiveled back towards the provider agent.

Referring now toFIG.26, a GUI2700for displaying a code2610(e.g., the first code) is shown, according to an example embodiment. For example, the code may be shown on the provider agent device254(e.g., as a part of process1720, process1810, process2040, process2130, etc.). The code2610may include preliminary account information and cause a customer device104to launch as browser or application as described above. According to various embodiments, the provider agent device254is placed in a protected screen share mode and the screen is swiveled towards the customer for capture on the customer device104.

Referring now toFIG.27, a GUI2700for exiting a protected screen share mode is shown, according to an example embodiment. For example, the GUI2700may be displayed on the provider agent device254(e.g., as a part of process1720, process1810, process2040, process2130, etc.). According to various embodiments, to exit the protected screen share mode, a password may need to be entered into an exit box2710. For example, the provider agent enters use his or her device password into the exit box2710, which is not known by the customer. Additionally or alternatively, the provider agent may provide a biometric scan to turn off the protected screen share mode. The provider agent may exit the protected screen share mode after the code2610is captured by the customer device104.

Referring now toFIG.28, a GUI2800for capturing the code2610is shown, according to an example embodiment. For example, the GUI2800may be displayed on the customer device104. For example, a camera of the customer device254may be used to capture the code2610.

Referring now toFIG.29, a GUI2900for reviewing preliminary account information is shown, according to an example embodiment. For example, the GUI2900may be displayed on the customer device104. For example, after the code2610is scanned, the GUI2900may be launched on the customer device104(e.g., within an application or web browser). The GUI2900includes a plurality of preliminary account information fields2910that filled with information in response to capturing the code2610. The customer can then review the preliminary account information fields2910on his or her device.

Referring now toFIG.30, a GUI3000for completing a customer confirmation is shown, according to an example embodiment. For example, the GUI3000may be displayed on the customer device104. For example, after the preliminary account information is reviewed and approved, the GUI3000may be launched on the customer device104(e.g., within an application or web browser). The GUI3000includes a plurality terms and conditions3010and a customer consent box3020. The customer can review the terms and conditions3010and approve the customer consent box3020on the customer device104.

Referring now toFIG.31, a GUI3100for submitting onboarding information is shown, according to an example embodiment. For example, the GUI3100may be displayed on the customer device104. The GUI3100may be an email that allows the customer to confirm the customer's email address and/or includes a link to download the client application132.

Referring now toFIG.32, a GUI3200for submitting onboarding information is shown, according to an example embodiment. For example, the GUI3200may be displayed on the customer device104. For example, the GUI3200includes a funding field3210that allows the customer to add a funding source for the newly opened account.

Referring now toFIG.33, a GUI3300for reviewing an account summary is shown, according to an example embodiment. For example, the GUI3300may be displayed on the customer device104. The GUI3300may provide a summary of the newly opened account.

Referring now toFIG.34, a GUI3400for submitting onboarding information is shown, according to an example embodiment. For example, the GUI3400may be displayed on the customer device104. For example, the GUI3400includes customer credential fields3410that allows the customer to set up customer credentials associated with the account.

Referring now toFIG.35, a GUI3500for submitting onboarding information is shown, according to an example embodiment. For example, the GUI3500may be displayed on the customer device104. For example, the GUI3500includes customer credential fields3510that allows the customer to set up customer credentials associated with the account.

Referring now toFIG.36, a GUI3600for submitting onboarding information is shown, according to an example embodiment. For example, the GUI3600may be displayed on the customer device104. For example, the GUI3600includes a paperless billing field3610that allows the customer to opt into paperless billing.

The “circuit” may also include one or more processors communicably coupled to one or more memory or memory devices. In this regard, the one or more processors may execute instructions stored in the memory or may execute instructions otherwise accessible to the one or more processors. In some embodiments, the one or more processors may be embodied in various ways. The one or more processors may be constructed in a manner sufficient to perform at least the operations described herein. In some embodiments, the one or more processors may be shared by multiple circuits (e.g., circuit A and circuit B may comprise or otherwise share the same processor which, in some example embodiments, may execute instructions stored, or otherwise accessed, via different areas of memory). Alternatively or additionally, the one or more processors may be structured to perform or otherwise execute certain operations independent of one or more co-processors. In other example embodiments, two or more processors may be coupled via a bus to enable independent, parallel, pipelined, or multi-threaded instructions execution. Each processor may be implemented as one or more general-purpose processors, application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), digital signal processors (DSPs), or other suitable electronic data processing components structured to execute instructions provided by memory. The one or more processors may take the form of a single-core processor, multi-core processor (e.g., a dual-core processor, triple-core processor, quad-core processor, etc.), microprocessor, etc. In some embodiments, the one or more processors may be external to the apparatus, for example the one or more processors may be a remote processor (e.g., a cloud-based processor). Alternatively, or additionally, the one or more processors may be internal and/or local to the apparatus. In this regard, a given circuit or components thereof may be disposed locally (e.g., as part of a local server, a local computing system, etc.) or remotely (e.g., as part of a remote server such as a cloud-based server). To that end, a “circuit” as described herein may include components that are distributed across one or more locations.

It should be noted that although the diagrams herein may show a specific order and composition of method processes, it is understood that the order of these processes may differ from what is depicted. For example, two or more processes may be performed concurrently or with partial concurrence. Also, some method processes that are performed as discrete processes may be combined, processes being performed as a combined process may be separated into discrete processes, 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 machine-readable media 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 processes, correlation processes, comparison processes and decision processes.