Account opening system, method and computer program product
Number of patents in Portfolio can not be more than 2000
United States of America Patent
Stats
-
Oct 1, 2013
Grant Date -
N/A
app pub date -
Apr 26, 2012
filing date -
May 31, 2002
priority date (Note) -
In Force
status (Latency Note)
Importance
Abstract
A system that facilitates opening of a bank account by banking personnel for a customer. The account opening system includes an automatic rate determination feature that uses customer information, account information and other criteria to determine an account interest rate. The rate determination system may also mediate rate negotiation between a personal banker and the customer by limiting the increase in rate awarded by the personal banker. An auditing system assigns numbers to a series of profiles, each describing a request to open an account. Profiles to be audited are determined by generating random numbers that fall within the range of assigned profile numbers. Random number generation is repeated until a threshold percentage of profiles have been selected for auditing. The account opening system includes a system for tracking the progress of the account application and for organizing information recorded by the personal banker during interactions with the customer.
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