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Offsite financial account onboarding

  • US 9,582,830 B2
  • Filed: 05/16/2014
  • Issued: 02/28/2017
  • Est. Priority Date: 01/07/2011
  • Status: Active Grant
First Claim
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1. A method comprising:

  • creating, by a financial transaction computer and using a web-based offsite onboarding application, a customer access area for a customer in a pooled custodial account, in a memory of the financial transaction computer,wherein the customer access area is a sub-account,requesting, by the web-based offsite onboarding application, that the customer enter identification (ID) information,wherein the web-based offsite onboarding application configures financial institution servers to receive an electronic customer request from the customer at an offsite location,wherein the web-based offsite onboarding application runs in response to the customer request for a financial account from the offsite location,receiving, by the financial transaction computer and via the internet, the ID information via at least one of a financial institution website or via a graphical user interface of a mobile financial application on a mobile device communicating with a mobile commerce server of the financial transaction computer;

    associating, by the financial transaction computer, the customer access area with software tags having access limits,wherein the access limits are associated with an access level for the pooled custodial account,maintaining, by the financial transaction computer, the access level and restrictions as software tags associated with the ID information in an account registry; and

    determining, by the web-based offsite onboarding application and using the IDinformation, the access level for the customer to the pooled custodial account based on the restrictions in the account registry.

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