Account opening facilitation system, method and computer program product
First Claim
1. A system for facilitating the opening of an account for a customer if an account activation system is unavailable, said account opening system comprising:
- a customer query system configured to prompt the customer to submit customer information and an account opening request if the account activation system is unavailable, said query system further configured to record the submitted customer information and account opening request;
a pre-validation system configured to receive the customer information from the customer query system and to validate that the customer information is sufficiently correct to allow activation of the account;
an account number distribution system configured to allocate and distribute an account number identifying the account if the account activation system is unavailable in response to validation of the customer information;
a cache system capable of receiving and storing the account opening request, the account number and the validated customer information if the account activation system is unavailable and further capable sending the account opening request, the account number and the validated customer information to the account activation system if the account activation system is available; and
a monitor system that is configured to determine if the account activation system is available and is capable of communicating with the cache system.
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Accused Products
Abstract
A system for facilitating the opening of accounts by a plurality of backend systems. The account opening system includes a front-end interface that interacts with a customer to collect customer information such as an account-type selection, billing information and pickup location information. A backend interface of the system pre-validates the customer information and routes the customer information to the backend systems for activation of the account. The backend interface also includes a monitor that determines the availability of the backend systems and a cache that stores the open account request and customer information for later routing when the backend systems are temporarily unavailable. Advantageously, pre-validation of the customer information allows the backend interface to distribute an account number to the customer in real time when the backend systems are unavailable. Pre-validation ensures that the customer information is sufficiently correct to allow later activation of the account by the backend systems.
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Citations
12 Claims
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1. A system for facilitating the opening of an account for a customer if an account activation system is unavailable, said account opening system comprising:
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a customer query system configured to prompt the customer to submit customer information and an account opening request if the account activation system is unavailable, said query system further configured to record the submitted customer information and account opening request; a pre-validation system configured to receive the customer information from the customer query system and to validate that the customer information is sufficiently correct to allow activation of the account; an account number distribution system configured to allocate and distribute an account number identifying the account if the account activation system is unavailable in response to validation of the customer information; a cache system capable of receiving and storing the account opening request, the account number and the validated customer information if the account activation system is unavailable and further capable sending the account opening request, the account number and the validated customer information to the account activation system if the account activation system is available; and a monitor system that is configured to determine if the account activation system is available and is capable of communicating with the cache system. - View Dependent Claims (2, 3, 4)
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5. A computer-implemented method for opening an account for a customer if an account activation computer system is unavailable, said method comprising the steps of:
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prompting the customer to submit customer information and an account opening request if the account activation system is unavailable; having an account number distribution computer system allocate an account number identifying the account in response to validation of the customer information; storing the account opening request, the account number and the validated customer information in a cache system if the account activation system is unavailable; determining if the account activation computer system is available and is capable of communicating with the cache system; and sending the account opening request, the account number and the validated customer information to the account activation system if the account activation system is available. - View Dependent Claims (6, 7, 8, 9, 10, 11, 12)
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Specification