Document calculator
First Claim
1. A method, comprising:
- receiving a request to enroll a user in a product or service provided by an institution;
determining, by a computing device, a first document used for the product or service;
determining, by the computing device, whether the user has the first document used for the product or service on file with the institution;
in response to determining that the user does not have the first document used for the product or service on file with the institution, generating a status identifier for the first document, wherein the status identifier indicates that the user is missing the first document;
comparing a second document on file for the user to the first document;
based on the comparing, determining that the second document is equivalent to the first document;
determining whether the second document is valid by automatically analyzing, using image recognition, a signature contained within the second document, wherein using image recognition comprises determining that the signature contained within the second document matches a trusted signature associated with the user;
in response to determining that the second document is equivalent to the first document and that the second document is valid, changing the status identifier for the first document to indicate that the user has the first document on file;
receiving, by the computing device and from an electronic calendar, data indicating that the user will be at a location associated with the institution at a particular time;
based on the received data, determining, by the computing device, that the user is at the institution at the particular time; and
in response to determining that the user is at the institution, transmitting, by the computing device and to a second computing device at the location associated with the institution, a third document used for the product or service, wherein the user does not have the third document on file with the institution.
1 Assignment
0 Petitions
Accused Products
Abstract
A customer may desire to enroll in a transaction, such as a product or a service, offered, managed, and/or owned by an institution, such as a financial institution. The customer may attempt to directly enroll in the product or service or may enroll in the product or service through an agent of the institution. The customer and/or agent may select the product or service (e.g., via a workstation or other device), and a computing device may determine which documents the product or service uses, which documents the customer has on file already, and/or which documents the customer is missing. The computing device may cause the customer and/or agent to be notified of the missing documents. When the customer and/or agent provides all of the documents for the product or service (or an exception applies to one or more missing documents), the computing system may enroll the customer in the selected product or service.
28 Citations
20 Claims
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1. A method, comprising:
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receiving a request to enroll a user in a product or service provided by an institution; determining, by a computing device, a first document used for the product or service; determining, by the computing device, whether the user has the first document used for the product or service on file with the institution; in response to determining that the user does not have the first document used for the product or service on file with the institution, generating a status identifier for the first document, wherein the status identifier indicates that the user is missing the first document; comparing a second document on file for the user to the first document; based on the comparing, determining that the second document is equivalent to the first document; determining whether the second document is valid by automatically analyzing, using image recognition, a signature contained within the second document, wherein using image recognition comprises determining that the signature contained within the second document matches a trusted signature associated with the user; in response to determining that the second document is equivalent to the first document and that the second document is valid, changing the status identifier for the first document to indicate that the user has the first document on file; receiving, by the computing device and from an electronic calendar, data indicating that the user will be at a location associated with the institution at a particular time; based on the received data, determining, by the computing device, that the user is at the institution at the particular time; and in response to determining that the user is at the institution, transmitting, by the computing device and to a second computing device at the location associated with the institution, a third document used for the product or service, wherein the user does not have the third document on file with the institution. - View Dependent Claims (2, 3, 4, 5, 6, 7, 20)
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8. An apparatus, comprising:
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a processor; and memory storing computer-executable instructions that, when executed by the processor, cause the apparatus to; receive a request to enroll a user in a product or service provided by an institution; determine a first document used for the product or service; determine whether the user has the first document used for the product or service on file with the institution; in response to determining that the user does not have the first document used for the product or service on file with the institution, generate a status identifier for the first document, wherein the status identifier indicates that the user is missing the first document; compare a second document on file for the user to the first document; based on the comparison, determine that the second document is equivalent to the first document; determine whether the second document is valid by automatically analyzing, using image recognition, a signature contained within the second document, wherein using image recognition comprises determining that the signature contained within the second document matches a trusted signature associated with the user; in response to determining that the second document is equivalent to the first document and that the second document is valid, change the status identifier for the first document to indicate that the user has the first document on file; receive, from an electronic calendar, data indicating that the user will be at a location associated with the institution at a particular time; based on the received data, determine that the user is at the institution at the particular time; and in response to determining that the user is at the institution, transmit, to a second apparatus at the location associated with the institution, a third document used for the product or service, wherein the user does not have the third document on file with the institution. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A non-transitory computer-readable medium having instructions stored thereon that, when executed, cause a computing device to:
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receive a request to enroll a user in a product or service provided by an institution; determine a first document used for the product or service; determine whether the user has the first document used for the product or service on file with the institution; in response to determining that the user does not have the first document used for the product or service on file with the institution, generate a status identifier for the first document, wherein the status identifier indicates that the user is missing the first document; compare a second document on file for the user to the first document; based on the comparing, determine that the second document is equivalent to the first document; determine whether the second document is valid by automatically analyzing, using image recognition, a signature contained within the second document, wherein using image recognition comprises determining that the signature contained within the second document matches a trusted signature associated with the user; in response to determining that the second document is equivalent to the first document and that the second document is valid, change the status identifier for the first document to indicate that the user has the first document on file; receive, from an electronic calendar, data indicating that the user will be at a location associated with the institution at a particular time; based on the received data, determine that the user is at the institution at the particular time; and in response to determining that the user is at the institution, transmit, to a second computing device at the location associated with the institution, a third document used for the product or service, wherein the user does not have the third document on file with the institution. - View Dependent Claims (16, 17, 18, 19)
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Specification