System for Reducing Information Required to Open a New Account
First Claim
1. A method comprising:
- transferring, by a computer-based system for processing applications and in response to the customer being a pre-existing customer, application information entered by a customer in fields of an incomplete first account application to corresponding fields in a second account application, wherein the incomplete first account application includes less than a full identification number;
transmitting, by the computer-based system, the second account application to the customer, wherein the second account application includes a fewer number of the fields than the first account application which was previously presented to the customer; and
receiving, by the computer-based system, the second account application from the customer.
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Accused Products
Abstract
An existing customer of a financial institution may open a new account with their financial institution using an optimized online interface. Initially, the interface presents a standard application for a new account in which an extensive number of fields for personal and financial information must be completed. A link is provided on this long application for use by existing account holders only. Upon selection of the link, an existing account holder is instead presented with a short application in which only the account holder'"'"'s name, a portion of their social security number, their existing account number, and their account confirmation identifier are required to be entered.
0 Citations
23 Claims
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1. A method comprising:
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transferring, by a computer-based system for processing applications and in response to the customer being a pre-existing customer, application information entered by a customer in fields of an incomplete first account application to corresponding fields in a second account application, wherein the incomplete first account application includes less than a full identification number; transmitting, by the computer-based system, the second account application to the customer, wherein the second account application includes a fewer number of the fields than the first account application which was previously presented to the customer; and receiving, by the computer-based system, the second account application from the customer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system for processing applications, cause the computer-based system to perform operations comprising:
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transferring, by the computer-based system and in response to the customer being a pre-existing customer, application information entered by a customer in fields of an incomplete first account application to corresponding fields in a second account application, wherein the incomplete first account application includes less than a full identification number; transmitting, by the computer-based system, the second account application to the customer, wherein the second account application includes a fewer number of the fields than the first account application which was previously presented to the customer; and receiving, by the computer-based system, the second account application from the customer.
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23. A system comprising:
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a processor for processing applications, a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising; transferring, by the processor and in response to the customer being a pre-existing customer, application information entered by a customer in fields of an incomplete first account application to corresponding fields in a second account application, wherein the incomplete first account application includes less than a full identification number; transmitting, by the processor, the second account application to the customer, wherein the second account application includes a fewer number of the fields than the first account application which was previously presented to the customer; and receiving, by the processor, the second account application from the customer.
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Specification