ACCOUNT OPENING COMPUTER SYSTEM ARCHITECTURE AND PROCESS FOR IMPLEMENTING SAME

• US 20140149283A1
• Filed: 06/18/2013
• Published: 05/29/2014
• Est. Priority Date: 05/21/2010
• Status: Active Grant

• Current Assignee: HSBC Technology & Services Incorporated (HSBC Holdings plc)
• Original Assignee: HSBC Technologies Inc.
• Inventors: Roselli, Paris F., Lesandro, Ronald M., Sullivan, Michael J., Loveday, Darren P., Antognoli, Michael R., Flood, John P., He, Yilu, Brooks, Darrick R., Lakshman, Srinivas, Johnson, Trevor, Gupta, Sonu, Hayes, Martin, Gemma, Richard
• Granted Patent: US 10,789,641 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06F 16/958 Organisation or management of web site content, e.g. publishing, maintaining pages or automatic linking
• CPC Class Codes: G06F 9/452 Remote windowing, e.g. X-Window System, desktop virtualisation protocols for virtual reality H04L67/131
• CPC Class Codes: G06F 9/548 Object oriented; Remote method invocation [RMI] non-remote method invocation G06F9/449
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 30/0281 Customer communication at a business location, e.g. providing product or service information, consulting
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

The present invention provides, in alternative embodiments, a computer architecture and/or computer implemented methods for account opening. In some embodiments, an integrated, component-based technology platform, globally standardized, business configurable account opening processes are separate and decoupled from the user interface screens and are directly manageable by business functionality and/or personnel. In various embodiments, the invention provides pause and resume, save and retrieve, cross-channel, metrics, audit tracking, data logging, and/or straight-through processing capabilities for account opening.

Claims

1. A computer implemented method for opening an account for a customer and decoupling the user interface from an underlying computer executed process, comprising:

capturing application data and including at least one business interface receiving local business specifications for at least one of application data elements and account opening processes performed by, and decoupled from, predetermined application specific core systems;

accessing configurable business rules and performing straight-through processing of the application data including managing the validation of the user, managing the configuring of at least one product, managing the assembling of terms and conditions relevant to the at least one product selected, managing the decisioning of the application, and transmitting the processed application data;

managing, and storing customer communications documents;

managing queues on the application data outside of the straight-through processing;

executing at least one of an account funding instruction and a fee instruction; and

storing customer data, decisioning the application, supporting one or more card products, supporting deposit accounts, managing customer interactions, and operatively communicating with the customer using at least one core system interface protocol.