US-12620022-B2 - Digital banker application system

US12620022B2US 12620022 B2US12620022 B2US 12620022B2US-12620022-B2

Abstract

A computing system includes a network interface circuit structured to facilitate data transmission over a network, and at least one processing circuit configured to receive account information from a provider device via an input/output device of the provider device, the account information corresponding with a user account, generate a first code including a first unique identifier specific to the account information, the first code being configured to be captured by a user device to cause a browser or an application to launch on the user device, receive a user confirmation from the user device in response to the first code being captured by the user device, the user confirmation including the first unique identifier, determine the first unique identifier received with the user confirmation corresponds with the account information, and open the user account in response to confirming the first unique identifier corresponds with the account information.

Inventors

Jennifer J. Caceres
James A. Oliver
Senthil Soundararajan
Poonam Chawla
Prafullata Diwate
Deepak Joseph
Alicia Paredes Laramy
Jason Martin
Nirmal Masih
Tracey M. Munsell
Stephen Nixon

Assignees

WELLS FARGO BANK, N.A.

Dates

Publication Date: 20260505
Application Date: 20231221

Claims (19)

1 . A computing system, comprising: at least one network interface circuit structured to facilitate data transmission over a network; and at least one processing circuit comprising one or more processors coupled to non-transitory memory storing instructions that when executed by the one or more processors, cause the at least one processing circuit to: receive account information from a provider device via an input/output device of the provider device, the account information corresponding with a user account; generate a first code including a first unique identifier specific to the account information and specific to a specific characteristic of the user account, the first code being configured to be captured by a user device associated with the user account and configured to cause a browser or an application to launch on the user device; generate a second code specific to the user device in response to confirming an identity of a user, the second code including the account information specific to the user account associated with the user, wherein the second code is configured to cause the user device to display a graphical user interface comprising one or more fillable fields with at least one of the one or more fillable fields to be populated with the account information from the second code, the second code including a second unique identifier; receive a user confirmation from the user device in response to the second code being captured by the user device, the user confirmation including the first unique identifier and the second unique identifier; determine the first unique identifier and the second unique identifier received with the user confirmation correspond with the account information; and open the user account in response to confirming the first unique identifier and the second unique identifier correspond with the account information.
2 . The computing system of claim 1 , wherein the first unique identifier is specific to at least one of an individual or a location, and the second unique identifier is specific to an account number specific to the user account.
3 . The computing system of claim 1 , wherein the account information includes at least one of a username, a user phone number, a user account number, a user email address, a user ID number, or a user social security number.
4 . The computing system of claim 1 , wherein the first code further causes the account information to be displayed within the browser or the application on the user device when captured by the user device.
5 . The computing system of claim 1 , wherein the second code further causes a user consent form to launch within the browser or the application on the user device when captured by the user device.
6 . The computing system of claim 5 , wherein the user confirmation includes a completed user consent form.
7 . The computing system of claim 1 , wherein the first code includes a QR code presented for display on the provider device.
8 . A computing device comprising: at least one processing circuit comprising one or more processors coupled to non-transitory memory, wherein the at least one processing circuit is configured to: capture a first code displayed on a provider device separate from the computing device, the first code including a first unique identifier; launch a browser or an application in response to capturing the first code; capture a second code displayed on the provider device, the second code generated in response to confirming an identity of a user associated with the computing device and including a second unique identifier and account information specific to a user account associated with the user; display a graphical user interface comprising one or more fillable fields with at least one of the one or more fillable fields to be populated with account information from the captured second code; receive a request for a user confirmation regarding the at least one of the one or more fillable fields populated with account information from the captured second code; send the user confirmation, the first unique identifier, and the second unique identifier to a provider computing system; and enable access to the user account that is opened in response to the user confirmation and the first unique identifier and the second unique identifier being received by the provider computing system.
9 . The computing device of claim 8 , wherein the at least one processing circuit is further configured to: receive a user input to populate an additional one or more fillable fields relative to the at least one of the one or more fillable fields to form secondary account information; and send the secondary account information to the provider computing system.
10 . The computing device of claim 8 , wherein the computing device is not in direct communication with the provider device.
11 . The computing device of claim 8 , wherein the account information includes at least one of a username, a user phone number, a user account number, a user email address, a user ID number, or a user social security number.
12 . The computing device of claim 8 , wherein the second code further causes a user consent form to launch within the browser or the application on the computing device when captured by the computing device.
13 . The computing device of claim 12 , wherein the user confirmation includes a completed user consent form.
14 . The computing device of claim 8 , wherein the first code includes a QR code presented for display on the provider device.
15 . An account opening computing system, comprising: at least one network interface circuit structured to facilitate data transmission over a network; and at least one processing circuit comprising one or more processors coupled to non-transitory memory storing instructions that when executed by the one or more processors, cause the at least one processing circuit to: generate a first code displayable on a provider device for capture by a user device associated with a user, wherein the first code is configured to cause a browser or an application to launch on the user device, the first code including a first unique identifier; generate a second code specific to the user device in response to confirming an identity of the user, the second code including account information specific to a user account associated with the user, wherein the second code is configured to cause the user device to display a graphical user interface comprising one or more fillable fields with at least one of the one or more fillable fields to be populated with account information from the second code, the second code including a second unique identifier; receive a user confirmation from the user device in response to the second code being captured by the user device, the user confirmation including the first unique identifier and the second unique identifier; determine the first unique identifier and the second unique identifier received with the user confirmation corresponds with the account information; and open the user account in response to confirming the first unique identifier and the second unique identifier corresponds with the account information.
16 . The account opening computing system of claim 15 , wherein the first unique identifier is specific to at least one of an individual or a location.
17 . The account opening computing system of claim 16 , wherein the second unique identifier is specific to the user account.
18 . The account opening computing system of claim 15 , wherein the provider device is not in direct communication with the user device.
19 . The account opening computing system of claim 15 , wherein the account information includes at least one of a username, a user phone number, a user account number, a user email address, a user ID number, or a user social security number.

Description

CROSS-REFERENCE TO RELATED APPLICATIONS This application is a continuation-in-part of U.S. patent application Ser. No. 18/137,941, titled “DIGITAL BANKER APPLICATION SYSTEM,” filed Apr. 21, 2023, which is a continuation of U.S. patent application Ser. No. 17/006,278 titled “DIGITAL BANKER APPLICATION SYSTEM,” filed Aug. 28, 2020, which are incorporated herein by reference in their entireties and for all purposes. TECHNICAL FIELD The present disclosure relates to technical communication processes. More particularly, the present disclosure relates to particular communication processes of a digital banker application system. BACKGROUND In the United States, provider institutions, such as banks and credit unions, are required by law to have a Customer Identification Program (CIP) (e.g., a Know You Customer (KYC) program) for the creation of new accounts. A new account may include, but is not limited to, a deposit account, an extension of credit, or the rental of a safe deposit box. Typically, a bank must obtain at least the name of the applicant associated with the account, the date of birth (for an individual) of the applicant associated with the account, the address of an individual, and an identification number. A provider institution's CIP is intended to enable the provider institution to form a reasonable belief that the provider institution knows the true identity of each customer before allowing the customer to perform one or more actions (e.g., open an account). SUMMARY A first example embodiment relates to a computing system. The computing system includes at least one network interface circuit structured to facilitate data transmission over a network and at least one processing circuit comprising one or more processors coupled to non-transitory memory storing instructions that when executed by the one or more processors, cause the at least one processing circuit to receive account information from a provider device via an input/output device of the provider device, the account information corresponding with a user account; generate a first code including a first unique identifier specific to the account information, the first code being configured to be captured by a user device associated with the user account to cause a browser or an application to launch on the user device; receive a user confirmation from the user device in response to the first code being captured by the user device, the user confirmation including the first unique identifier; determine the first unique identifier received with the user confirmation corresponds with the account information; and open the user account in response to confirming the first unique identifier corresponds with the account information. According to various embodiments, the provider device is not in direct communication with the user device. According to various embodiments, account information includes at least one of a username, a user phone number, a user account number, a user email address, a user ID number, or a user social security number. According to various embodiments, the first code further causes the account information to be displayed within the browser or the application on the user device when captured by the user device. According to various embodiments, the first code further causes a user consent form within the browser or the application on the user device when captured by the user device. According to various embodiments, the user confirmation includes a completed user consent form. According to various embodiments, the first code includes a QR code presented for display on the provider device. Another example embodiment relates to a computing device. The computing device includes a processing circuit comprising one or more processors coupled to non-transitory memory, wherein the processing circuit is configured to capture a first code displayed on a provider device including a first unique identifier; launch a browser or an application in response to capturing the first code thereby causing a display of a graphical user interface comprising one or more fillable fields with at least one of the one or more fillable fields populated with account information from the captured first code, the account information being specific to a user account; receive a user confirmation request on the computing device; send the user confirmation and the first unique identifier to a provider computing system; and access an account that is opened in response to the user confirmation and the first unique identifier being received by the provider computing system. According to various embodiments, the processing circuit is further configured to receive a user input to populate an additional one or more fillable fields relative to the at least one of the one or more fillable fields to form secondary account information; and send the secondary account information to the provider computing system. According to various embodiments, the computing device is not in