Establishing a financial account using a mobile computing device
First Claim
Patent Images
1. A method of establishing a financial account using a mobile computing device, comprising:
- presenting, by a mobile computing device, through a user interface a fillable application form that receives an applicant'"'"'s information used to prepare an application to open the financial account;
capturing, by the mobile computing device, a digital image of an applicant'"'"'s identification having text based components;
processing, by the mobile computing device, the digital image of the identification to recognize at least a portion of the text based components;
filling the application form, by the mobile computing device, at least in part with the recognized portion of the text based components to complete the application for the financial account;
transmitting, by the mobile computing device, the digital image of the identification to a regulatory body;
receiving from the regulatory body, by the mobile computing device, verification of the identity of the applicant;
communicating, by the mobile computing device, the completed application form to a remote server providing financial services to establish the financial account for the applicant if the identity of the applicant is verified;
presenting by the mobile computing device through the user interface account information, including an assigned account number, corresponding to the financial account established for the applicant;
capturing, by the mobile computing device, a second digital image of a payment instrument providing funds for the financial account andcommunicating, by the mobile computing device, the second digital image to a remote server providing financial services, thereby transferring the funds to the financial account associated with the assigned account number.
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Abstract
A financial account is established using a mobile computing device. A digital image of an applicant'"'"'s identification having text based components is captured. The digital image of the identification is processed to recognize at least a portion of the text based components. The portion of the text based components is used to complete an application for the financial account. The digital image of the identification is transmitted to a regulatory body. Verification of the identity of the applicant is received from the regulatory body. The financial account for the applicant is established.
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Citations
17 Claims
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1. A method of establishing a financial account using a mobile computing device, comprising:
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presenting, by a mobile computing device, through a user interface a fillable application form that receives an applicant'"'"'s information used to prepare an application to open the financial account; capturing, by the mobile computing device, a digital image of an applicant'"'"'s identification having text based components; processing, by the mobile computing device, the digital image of the identification to recognize at least a portion of the text based components; filling the application form, by the mobile computing device, at least in part with the recognized portion of the text based components to complete the application for the financial account; transmitting, by the mobile computing device, the digital image of the identification to a regulatory body; receiving from the regulatory body, by the mobile computing device, verification of the identity of the applicant; communicating, by the mobile computing device, the completed application form to a remote server providing financial services to establish the financial account for the applicant if the identity of the applicant is verified; presenting by the mobile computing device through the user interface account information, including an assigned account number, corresponding to the financial account established for the applicant; capturing, by the mobile computing device, a second digital image of a payment instrument providing funds for the financial account and communicating, by the mobile computing device, the second digital image to a remote server providing financial services, thereby transferring the funds to the financial account associated with the assigned account number. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A computer program product, tangibly embodied in a machine readable storage device, for establishing a financial account using a mobile computing device, the computer program product including instructions being operable to cause a data processing apparatus to:
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present through a user interface a fillable application form that receives an applicant'"'"'s information used to prepare an application to establish a financial account capture a digital image of an applicant'"'"'s identification having text based components; process the digital image of the identification to recognize at least a portion of the text based components; fill the application form at least in part with the recognized portion of the text based components to complete the application for the financial account; transmit the digital image of the identification to a regulatory body; receive from the regulatory body verification of the identity of the applicant; communicate the completed application form to a remote server providing financial services to establish the financial account for the applicant if the identity of the applicant is verified; present through the user interface account information, including an assigned account number, corresponding to the financial account established for the applicant; capture a second digital image of a payment instrument providing funds for the financial account; and communicate the second digital image to a remote server providing financial services, thereby transferring the funds to the financial account associated with the assigned account number. - View Dependent Claims (11, 12, 13)
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14. A computerized system for establishing a financial account using a mobile computing device, the system comprising:
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a mobile computing device; and a remote server providing financial services; the mobile computing device having a processor executing a financial account opening module configured to; present through a user interface a fillable application form that receives an applicant'"'"'s information used to prepare an application to establish a financial account; capture a digital image of an applicant'"'"'s identification having text based components; process the digital image of the identification to recognize at least a portion of the text based components; fill the application form at least in part with the recognized portion of the text based components to complete the application for the financial account; transmit the digital image of the identification to a regulatory body; receive from the regulatory body verification of the identity of the applicant; communicate the completed application form to the remote server providing financial services to establish the financial account for the applicant if the identity of the applicant is verified; present through the user interface account information, including an assigned account number, corresponding to the financial account established for the applicant; capture a second digital image of a payment instrument providing funds for the financial account; and communicate the second digital image to a remote server providing financial services, thereby transferring the funds to the financial account associated with the assigned account number. - View Dependent Claims (15, 16, 17)
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Specification