System and method for opening an account using a mobile device

Abstract

A system and method for opening an account at an institution. First information of a user may be received from a mobile device, and second information of the user may be received from the mobile device, the second information being converted from an image of a primary document. The first information may then be validated against the second information, and an account opened for the user if the first information validates against the second information. The step of receiving first information may include receiving optical character recognition data converted from an image of a secondary document such as a driver's license. The step of receiving second information may include receiving optical character recognition data converted from an image of the primary document such as a personal check, a debit card, a credit card, etc.

We claim: 
     
         1 . A method, comprising:
 establishing, a communication link between a mobile device of a user not having a preexisting account with an institution and one or more servers of the institution;   receiving, from the mobile device, user identification information;   receiving, at the one or more servers from the mobile device, primary document information of the user, the primary document information obtained from a converted image;   validating, with the one or more servers, the user identification information using the primary document information; and   opening, with the one or more servers, an account for the user in response to successfully validating the user identification information with the primary document information.   
     
     
         2 . The method of  claim 1 , wherein the user identification information is selected from the group consisting of voice information, image information, biometric information, textual information, and converted information. 
     
     
         3 . The method of  claim 1 , wherein receiving the user identification information further comprises receiving, at a network communications interface of a server, optical character recognition data converted from an image of a primary document captured the mobile device. 
     
     
         4 . The method of  claim 3 , wherein the primary document is a driver's license of the user. 
     
     
         5 . The method of  claim 1 , wherein receiving primary document information further comprises receiving, at a network communications interface of a server, optical character recognition data converted from an image of a primary document captured by the image capturing mechanism of the mobile device via an established cryptographic tunnel. 
     
     
         6 . The method of  claim 5 , wherein a primary document is selected from the group consisting of a personal check, a debit card, a credit card, a document containing a social security number of the user, and a document containing a Magnetic Ink Character Recognition line. 
     
     
         7 . The method of  claim 5 , wherein the primary document information includes an amount to be deposited in the account opened by a programmed processor of the server. 
     
     
         8 . The method of  claim 1 , further comprising the steps of:
 identifying an indication that the user, via the mobile device, changed any of the primary document information;   receiving, from the mobile device, input that corresponds to correcting the primary document information associated with the identified indication; and   in response to identifying the indication, flagging the received primary document information for review.   
     
     
         9 . A system comprising:
 one or more processors being coupled to a computer non-transitory readable storage medium, the non-transitory computer readable storage medium comprising instructions stored thereon for causing the one or more processors to:
 establish, a communication link between a mobile device of a user not having a preexisting account with an institution and one or more servers of the institution; 
 receive from the mobile device, user identification information of the user; 
 receive, at the one or more servers from the mobile device, primary document information of the user, the primary document information obtained from a converted image; 
 validate, with the one or more servers, the user identification information using the primary document information; and 
 open, with the one or more servers, an account for the user in response to successfully validating the user identification information using the primary document information. 
   
     
     
         10 . The system of  claim 9 , wherein:
 the user identification information is validated using the primary document information using a validating service provided from a member selected from a third party validation network remote from the system, a linked ownership test deposit, validating responses received from a network communications interface of the mobile device to one or more know your customer questions, validating responses received from the network communications interface of the mobile device to one or more terms and conditions transmitted to the network communications interface of the mobile device of the user, and combinations thereof.   
     
     
         11 . The system of  claim 9 , wherein the instructions to receive primary information further comprises instructions to receive optical character recognition data converted from an image of a primary document captured by the mobile device. 
     
     
         12 . The system of  claim 11 , wherein the memory further comprises instructions to cause the processor to:
 identify, with the one or more servers, an indication that the user changed a portion of the user identification information;   in response to identifying the indication, flagging the user identification information for review, and   wherein the primary document is a driver's license of the user.   
     
     
         13 . The system of  claim 9 , wherein the instructions to receive primary document information further comprises instructions to receive, at a network communications interface of one or more servers, optical character recognition data converted from an image of the primary document captured by an image capturing mechanism of the mobile device. 
     
     
         14 . The system of  claim 13 , wherein the primary document is a member selected from a personal check, a debit card, a credit card, a document containing a social security number of the user, a document containing a Magnetic Ink Character Recognition line and combinations thereof. 
     
     
         15 . The system of  claim 13 , wherein the primary document information includes an amount to be deposited in the automatically opened account by a programmed processor of the one or more servers. 
     
     
         16 . A mobile device comprising:
 a non-transitory computer readable storage medium, the non-transitory computer readable storage medium comprising instructions stored thereon for causing a programmed processor of the mobile device to:
 establish a communication link between the mobile device of a user not having a preexisting account with an institution and one or more servers of the institution; 
 receive user identification information of the user at the mobile device; 
 transmit the user identification information of the user to the one or more servers; 
 receive, from the user, captured image information of a primary document of the user; 
 convert the image information into primary document information of the user; 
 transmit the primary document information to the one or more servers; and 
 responsive to an indication that the user identification information is successfully validated using the primary document information, receive account information for a new account automatically opened for the user. 
   
     
     
         17 . The mobile device of  claim 16 , wherein the non-transitory computer readable storage medium further comprises instructions to cause the programmed processor of the mobile device to:
 create a first flag to indicate that the user identification information requires review in response to receiving a change to the user identification information;   transmit, to the one or more servers, input that corresponds to correcting the user identification information associated with the first flag;   receive an indication as to whether the user identification information has been validated against the primary document information;   generate a graphical user interface comprising the primary document information of the user and requesting validation;   transmit the graphical user interface to the mobile device for display;   receive an input via the graphical user interface from the user indicating that primary document information is incorrect and updating the primary document information;   create a second flag to indicate that the primary document information requires review in response to receiving a change to any of the primary document information; and   transmit the second flag and input that corresponds to correcting the primary document information associated with the second flag to the one or more servers.   
     
     
         18 . The mobile device of  claim 16 , wherein the user identification information is a member selected from voice information, image information, biometric information, textual information, converted information, and combinations thereof. 
     
     
         19 . The mobile device of  claim 16 , wherein the instructions to receive user identification information further comprises instructions to cause the processor of the mobile device to:
 capture image information of a primary document via the mobile device; and   convert the image information into the user identification information comprising optical character recognition data.   
     
     
         20 . The mobile device of  claim 16 , wherein the mobile device further comprises a mobile wallet and the non-transitory computer readable storage medium further comprises instructions to cause the programmed processor of the mobile device to:
 receive information for a payment card of the user linked to the new account; and make the mobile wallet available for transactions against the new account in response to receiving the information.