Integrated full service consumer banking system and system and method for opening an account
First Claim
1. A method of opening a single integrated account for a new customer in a single-session comprising the steps of:
- receiving customer information from a remote terminal from the new customer;
building a database entry corresponding to the new customer based on the customer information;
performing a needs analysis based on the customer information;
recommending an account based on the needs analysis and customer information;
receiving a customer acceptance of the recommended account; and
updating the database entry for the new customer to show the customer'"'"'s acceptance of the recommended account.
2 Assignments
0 Petitions
Accused Products
Abstract
An integrated financial system that includes a single customer account that permits a customer to perform various financial transactions. The account includes at least banking components and brokerage components. A consistent user interface means is provided to allow a customer to access the account from a different sources including at least an automatic teller machine, a phone and a personal teller transaction. The account is flexible enough to include a variety of other components such as a credit card component, a line of credit component, a secured credit component and a money market component. A system and method for opening a single integrated account for a customer in a single session is also described.
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Citations
9 Claims
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1. A method of opening a single integrated account for a new customer in a single-session comprising the steps of:
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receiving customer information from a remote terminal from the new customer; building a database entry corresponding to the new customer based on the customer information; performing a needs analysis based on the customer information; recommending an account based on the needs analysis and customer information; receiving a customer acceptance of the recommended account; and updating the database entry for the new customer to show the customer'"'"'s acceptance of the recommended account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method of updating an account for an existing customer comprising;
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performing a needs analysis on an established database comprised of the existing customer'"'"'s information; selecting an account the existing customer does not currently possess based on the needs analysis; providing details of the selected account; and updating the existing customer'"'"'s account to reflect the existing customer'"'"'s choosing the selected account.
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Specification