System for reducing information required to open a new account
First Claim
Patent Images
1. A method comprising:
- receiving, by a computer-based system for processing applications, first application information entered by a customer into fields of an incomplete first account application;
determining, by the computer-based system, based on a selection of an indicator by the customer that the customer is a pre-existing customer having an existing account;
transferring, by the computer-based system and in response to the customer being the pre-existing customer, the first application information entered by the customer in fields of the incomplete first account application to corresponding fields in a second account application, wherein the incomplete first account application includes less than a full identification number;
transmitting, by the computer-based system, the second account application to the customer, wherein the second account application includes less than the full identification number and a fewer number of the fields than the first account application which was previously presented to the customer, wherein the customer completes second application information in the fewer fields of the second account application;
receiving, by the computer-based system, the second account application from the customer; and
verifying, by the computer-based system, the second application information provided in the second account application against stored information of an existing account of the pre-existing customer.
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Abstract
An existing customer of a financial institution may open a new account with their financial institution using an optimized online interface. Initially, the interface presents a standard application for a new account in which an extensive number of fields for personal and financial information must be completed. A link is provided on this long application for use by existing account holders only. Upon selection of the link, an existing account holder is instead presented with a short application in which only the account holder'"'"'s name, a portion of their social security number, their existing account number, and their account confirmation identifier are required to be entered.
67 Citations
22 Claims
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1. A method comprising:
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receiving, by a computer-based system for processing applications, first application information entered by a customer into fields of an incomplete first account application; determining, by the computer-based system, based on a selection of an indicator by the customer that the customer is a pre-existing customer having an existing account; transferring, by the computer-based system and in response to the customer being the pre-existing customer, the first application information entered by the customer in fields of the incomplete first account application to corresponding fields in a second account application, wherein the incomplete first account application includes less than a full identification number; transmitting, by the computer-based system, the second account application to the customer, wherein the second account application includes less than the full identification number and a fewer number of the fields than the first account application which was previously presented to the customer, wherein the customer completes second application information in the fewer fields of the second account application; receiving, by the computer-based system, the second account application from the customer; and verifying, by the computer-based system, the second application information provided in the second account application against stored information of an existing account of the pre-existing customer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system for processing applications, cause the computer-based system to perform operations comprising:
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receiving, by the computer-based system, first application information entered by a customer into fields of an incomplete first account application; determining, by the computer-based system, based on a selection of an indicator by the customer that the customer is a pre-existing customer having an existing account; transferring, by the computer-based system and in response to the customer being the pre-existing customer, first application information entered by the customer in fields of the incomplete first account application to corresponding fields in a second account application, wherein the incomplete first account application includes less than a full identification number; transmitting, by the computer-based system, the second account application to the customer, wherein the second account application includes less than the full identification number and a fewer number of the fields than the first account application which was previously presented to the customer, wherein the customer completes second application information in the fewer fields of the second account application; receiving, by the computer-based system, the second account application from the customer; and verifying, by the computer-based system, the second application information provided in the second account application against stored information of an existing account of the pre-existing customer.
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22. A system comprising:
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a processor for processing applications, a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising; receiving, by the processor, first application information entered by a customer into fields of an incomplete first account application; determining, by the processor, based on a selection of an indicator by the customer that the customer is a pre-existing customer having an existing account; transferring, by the processor and in response to the customer being the pre-existing customer, the first application information entered by the customer in fields of the incomplete first account application to corresponding fields in a second account application, wherein the incomplete first account application includes less than a full identification number; transmitting, by the processor, the second account application to the customer, wherein the second account application includes less than the full identification number and a fewer number of the fields than the first account application which was previously presented to the customer, wherein the customer completes second application information in the fewer fields of the second account application; receiving, by the computer-based system, the second account application from the customer; and verifying, by the processor, the second application information provided in the second account application against stored information of an existing account of the pre-existing customer.
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Specification