ACCOUNT OPENING COMPUTER SYSTEM ARCHITECTURE AND PROCESS FOR IMPLEMENTING SAME
First Claim
1. A computer system architecture decoupling the user interface from an underlying computer executed process for opening an account for a customer, comprising:
- a front end user interface platform capturing application data and including at least one business interface receiving local business specifications for at least one of application data elements and account opening processes performed by, and decoupled from, predetermined application specific core systems;
an application processing platform accessing configurable business rules and comprising an application processing engine performing straight-through processing of the application data including managing the validation of the user, managing the configuring of at least one product, managing the assembling of terms and conditions relevant to the at least one product selected, managing the decisioning of the application, and transmitting the processed application data;
a customer communications module managing the generating and sending of customer communications documents;
a queue management system supporting queues on the application data outside of the straight-through processing;
a funding module comprising a payment processing engine executing at least one of an account funding instruction and a fee instruction; and
a plurality of core systems comprising a customer data management system storing customer data, a decision engine decisioning the application, a cards product system supporting one or more card products, a core banking product system supporting deposit accounts, and a sales services system managing customer interactions, said plurality of core systems operatively communicating with said customer communications module via at least one core system interface protocol.
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Abstract
The present invention provides, in alternative embodiments, a computer architecture and/or computer implemented methods for account opening. In some embodiments, the invention provides an integrated, component-based technology platform in which globally standardized, business configurable account opening processes are separate and decoupled from the user interface screens and are directly manageable by business functionality and/or personnel. In various embodiments, the invention provides pause and resume, save and retrieve, cross-channel, metrics, audit tracking, data logging, and/or straight-through processing capabilities for account opening.
191 Citations
20 Claims
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1. A computer system architecture decoupling the user interface from an underlying computer executed process for opening an account for a customer, comprising:
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a front end user interface platform capturing application data and including at least one business interface receiving local business specifications for at least one of application data elements and account opening processes performed by, and decoupled from, predetermined application specific core systems; an application processing platform accessing configurable business rules and comprising an application processing engine performing straight-through processing of the application data including managing the validation of the user, managing the configuring of at least one product, managing the assembling of terms and conditions relevant to the at least one product selected, managing the decisioning of the application, and transmitting the processed application data; a customer communications module managing the generating and sending of customer communications documents; a queue management system supporting queues on the application data outside of the straight-through processing; a funding module comprising a payment processing engine executing at least one of an account funding instruction and a fee instruction; and a plurality of core systems comprising a customer data management system storing customer data, a decision engine decisioning the application, a cards product system supporting one or more card products, a core banking product system supporting deposit accounts, and a sales services system managing customer interactions, said plurality of core systems operatively communicating with said customer communications module via at least one core system interface protocol.
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2. An end-to-end component based global computer system architecture decoupling the user interface from an underlying computer executed process, comprising:
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a globally consistent front end user interface platform capturing application data and including at least one processing module defining at least one of application data elements and process flow instructions responsive to and decoupled from predetermined application specific core systems; a globally consistent application processing platform accessing configurable business rules and comprising an application processing engine processing the application data including managing the validation of the user, managing the configuring of at least one product, managing the assembling of terms and conditions relevant to the at least one product selected, managing the decisioning of the application, and transmitting the processed application data; a globally consistent customer communications module managing the generating and sending of customer communications documents; a globally consistent queue management system supporting queues processes that utilize the application data; a globally consistent funding module comprising a payment processing engine executing at least one of an account funding instruction and a fee instruction; and a plurality of core systems comprising a customer data management system storing customer data, a decision engine decisioning the application, a cards product system supporting one or more card products, a core banking product system supporting deposit accounts, and a sales services system managing customer interactions, said plurality of core systems operatively communicating with said globally consistent customer communications module via at least one core system interface protocol. - View Dependent Claims (3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A global computer system architecture decoupling the user interface from underlying business configurable computer executed processes, comprising:
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a front end user interface platform capturing application data and providing a flexible and dynamic sequence of screens responsive to configurable business rules coded in the core separate from the screens and manageable by business staff; an application processing platform containing the configurable business rules and comprising an application processing engine controlling the application processes, centrally tracking the application processes, centrally storing the application data, and coordinating the interaction of a plurality of core supporting systems including; a customer communications module generating, managing, and delivering customer communications documents based on the application data and business configurable templates; a customer data management system storing customer data; a cards product system supporting one or more card products; a core banking product system supporting deposit accounts; a sales services system managing customer interactions; and a decision engine decisioning the application, said plurality of core systems operatively communicating with the application processing platform via at least one core system interface protocol without being dependent on application specific interfaces; a queue management system supporting queues for exception processing; and a funding module comprising a payment processing engine executing at least one account funding, fee, or balance transfer instruction.
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Specification