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Multi-Channel and Cross-Channel Account Opening

  • US 20080301023A1
  • Filed: 05/02/2008
  • Published: 12/04/2008
  • Est. Priority Date: 05/02/2007
  • Status: Abandoned Application
First Claim
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1. A method for multi-channel financial account opening, the method comprising:

  • an applicant initiating an account opening process in a first channel of multiple channels, wherein channels comprise,an online channel wherein the applicant accesses an electronic application to open an account at one of a plurality of financial institutions (FIs) via a network;

    a call center channel wherein the applicant converses with a call center agent of the FI, and wherein the agent accesses an electronic application to open an account at the FI via a network;

    a kiosk channel wherein the applicant accesses an electronic application to open an account at one of a plurality of financial institutions (FIs) via a network using a kiosk;

    a walkin channel wherein the applicant enters an FI facility and converses in person with an agent of the FI, and wherein the agent accesses an electronic application to open an account at the FI via a network;

    a mobile channel wherein the applicant accesses an electronic application to open an account at one of a plurality of financial institutions (FIs) via a network using a mobile device; and

    wherein the electronic application is maintained by a financial management system (FMS) that provides account opening services to each of the plurality of FIs using rules specified by each FI, and using shared account opening resources;

    the applicant changing from one channel to another channel, wherein any information collected after initiation of the process is saved by the FMS and made available in any of the channels.

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