SYSTEM AND METHOD FOR RETAIL ON-LINE ACCOUNT OPENING
First Claim
1. A method of interfacing with a financial institution using a computer interface, the method comprising the steps of:
- (a) receiving an interface request from a customer after the customer has reached, via a path through a computer network, a predetermined webpage for the financial institution;
(b) presenting a first content to the customer;
(c) receiving a first input from the customer;
(d) receiving from the customer a first set of information;
(e) presenting the first set of information to the customer for review by the customer and receiving a second set of information from the customer wherein the second set of information comprises the first set of information and any modifications to the first set of information made by the customer;
(f) presenting to the customer a set of terms and conditions;
(g) receiving an application from the customer;
(h) verifying at least a part of the second set of information;
(i) determining the customer'"'"'s credit score representative of the customer'"'"'s credit as using a first set of predetermined criteria;
(j) presenting to the customer a set of account options and associated terms and conditions wherein the account options presented are based at least in part on the verification of the second set of information and the customer'"'"'s credit score;
(k) receiving a second input from the customer;
(l) verifying the second input;
(m) determining if the customer is to be enrolled for a debit card or an automated teller machine (“
ATM”
) card;
(n) processing the customer for the debit card or ATM card enrollment;
(o) determining if the customer is to be enrolled in an online banking program;
(p) reserving account numbers at the financial institution if the customer is approved for the online banking program;
(q) presenting to the customer information related to the customer'"'"'s approved products, accounts, or enrollments; and
(r) sending a communication to the customer indicating approval of the customer'"'"'s approved products, accounts, or enrollments.
1 Assignment
0 Petitions
Accused Products
Abstract
A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes a verification of customer-provided information with a pre-existing client identification profile for the customer, a determination of the customer'"'"'s credit score using a set of predetermined criteria, and presenting a set of account options based at least in part on the verification of the customer-provided information and the customer'"'"'s credit score. Additional customer-provided information may be received and verified and used to enroll the customer in one or more programs offered by the financial institution at a predefined level based at least on one or more predetermined factors.
128 Citations
21 Claims
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1. A method of interfacing with a financial institution using a computer interface, the method comprising the steps of:
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(a) receiving an interface request from a customer after the customer has reached, via a path through a computer network, a predetermined webpage for the financial institution; (b) presenting a first content to the customer; (c) receiving a first input from the customer; (d) receiving from the customer a first set of information; (e) presenting the first set of information to the customer for review by the customer and receiving a second set of information from the customer wherein the second set of information comprises the first set of information and any modifications to the first set of information made by the customer; (f) presenting to the customer a set of terms and conditions; (g) receiving an application from the customer; (h) verifying at least a part of the second set of information; (i) determining the customer'"'"'s credit score representative of the customer'"'"'s credit as using a first set of predetermined criteria; (j) presenting to the customer a set of account options and associated terms and conditions wherein the account options presented are based at least in part on the verification of the second set of information and the customer'"'"'s credit score; (k) receiving a second input from the customer; (l) verifying the second input; (m) determining if the customer is to be enrolled for a debit card or an automated teller machine (“
ATM”
) card;(n) processing the customer for the debit card or ATM card enrollment; (o) determining if the customer is to be enrolled in an online banking program; (p) reserving account numbers at the financial institution if the customer is approved for the online banking program; (q) presenting to the customer information related to the customer'"'"'s approved products, accounts, or enrollments; and (r) sending a communication to the customer indicating approval of the customer'"'"'s approved products, accounts, or enrollments. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method of interfacing with a financial institution using a computer interface, the method comprising the steps of:
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(a) receiving an interface request from a customer after the customer has reached, via a path through a computer network, a predetermined webpage for the financial institution; (b) presenting a list of products to the customer wherein the list of products presented is determined at least in part by the path through the computer network; (c) receiving a choice of one or more products from the customer; (d) receiving from the customer a first set of identification information; (e) reviewing the first set of customer identification information; (i) if the first set of customer identification information is not verified, requesting a second set of customer identification information; (ii) if the first set of customer identification information is verified, evaluating a predetermined client identification profile (“
CIP”
) for the customer;(A) if the CIP is acceptable, displaying the customer'"'"'s personal information on the customer'"'"'s display device;
determining if there is a co-applicant associated with the customer and if so, collecting and verifying a set of co-applicant identification information;(B) if the CIP is not acceptable, requesting a third set of customer identification information; (f) if the second or third set of customer identification information has been received; (i) determining if the customer is located within an operating area of the financial institution; (ii) if the customer is not located within an operating area of the financial institution, obtaining a secondary residence location from the customer; (iii) determining if there is a co-applicant associated with the customer and if so, collecting and verifying a set of co-applicant identification information; (g) presenting terms and conditions to the customer for at least one of the one or more products chosen by the customer; and (h) receiving an application from the customer for at least one of the one or more products chosen by the customer. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21)
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Specification