Systems and methods for onboarding customers through a short-range communication channel
First Claim
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1. An apparatus, comprising:
- a personal information database structured to store personal information regarding a user associated with a user device; and
a communication circuit communicably coupled to a network interface of the user device, the communication circuit structured to;
establish a short-range communication channel with a nearby financial institution computing device based on a tap exchange;
retrieve personal information from the personal information database to transmit to the financial institution computing device, the personal information associated with an enrollment of the user with a product of a financial institution, the financial institution associated with the financial institution computing device;
encrypt the personal information; and
selectively transmit the encrypted personal information to the financial institution computing device over the short-range communication channel to enroll the user with the product.
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Abstract
Systems, methods, and apparatuses for establishing a short-range communication channel with a financial institution computing device based on a tap exchange; receiving a request for personal information from the financial institution computing device; receiving an authorization to transmit the requested personal information; retrieving the personal information from a personal information database of the account enrollment circuit; and transmitting the personal information to enroll the user with a product of a financial institution associated with the financial institution computing device.
46 Citations
20 Claims
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1. An apparatus, comprising:
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a personal information database structured to store personal information regarding a user associated with a user device; and a communication circuit communicably coupled to a network interface of the user device, the communication circuit structured to; establish a short-range communication channel with a nearby financial institution computing device based on a tap exchange; retrieve personal information from the personal information database to transmit to the financial institution computing device, the personal information associated with an enrollment of the user with a product of a financial institution, the financial institution associated with the financial institution computing device; encrypt the personal information; and selectively transmit the encrypted personal information to the financial institution computing device over the short-range communication channel to enroll the user with the product. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A mobile device, comprising:
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a processor; and a non-transitory computer readable medium storing instructions, which when executed causes the processor to perform a method comprising; establishing a short-range communication channel with a financial institution computing device based on a tap exchange; retrieving personal information stored in a personal information database regarding a user of the mobile device, the personal information associated with an enrollment of the user with a product of a financial institution, the financial institution associated with the financial institution computing device; encrypting the personal information regarding the user; and selectively transmitting the encrypted personal information from the personal information database to the financial institution computing device to enroll the user with the product. - View Dependent Claims (13, 14, 15, 16, 17)
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18. A method, comprising:
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establishing, by a network interface of a mobile device, a short-range communication channel with a financial institution computing device based on a tap exchange; receiving, by an account enrollment circuit of the mobile device, a request for personal information from the financial institution computing device, the personal information associated with an enrollment of a user with a product of a financial institution, the financial institution associated with the financial institution computing device; receiving, by a graphical user interface of the mobile device, an authorization to transmit the requested personal information; retrieving, by the account enrollment circuit, the personal information from a personal information database of the account enrollment circuit; encrypting, by the network interface, the personal information; and transmitting, by the network interface, the encrypted personal information to enroll the user with the product. - View Dependent Claims (19, 20)
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Specification