US 11,677,742 B2
Systems and methods for creating multi-applicant account
Marina Izvekova, Toronto (CA); Jane Holtslander, Toronto (CA); Andrew David Clark, Whitby (CA); Alan Tam, Markham (CA); Tina Patel, Brampton (CA); Steven Anthony Ghose, Burlington (CA); Michael David Mewhort, Brantford (CA); and Chun Yu Zhang, Toronto (CA)
Assigned to THE TORONTO-DOMINION BANK, Toronto (CA)
Filed by The Toronto-Dominion Bank, Toronto (CA)
Filed on Sep. 13, 2019, as Appl. No. 16/570,281.
Prior Publication US 2021/0084028 A1, Mar. 18, 2021
Int. Cl. H04L 9/40 (2022.01); H04L 67/306 (2022.01); H04L 67/01 (2022.01); H04W 4/14 (2009.01); H04L 51/42 (2022.01); H04L 51/52 (2022.01)
CPC H04L 63/0838 (2013.01) [H04L 67/01 (2022.05); H04L 67/306 (2013.01); H04L 51/42 (2022.05); H04L 51/52 (2022.05); H04W 4/14 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A server comprising:
at least one communication interface for communication with one or more client devices;
a processor coupled to the communication interface; and
a memory coupled to the processor, the memory having computer-executable instructions stored thereon, the instructions, when executed by the processor, cause the server to:
during a first remote session, receive, via the communication interface, a signal representing a request to apply for a new multi-applicant account, a signal representing identification information for verifying an identity of a first applicant, and a signal representing at least two pieces of contact data for a second applicant provided by the first applicant;
in response to receiving the signal representing the at least two pieces of contact data for the second applicant:
transmit, using a first piece of contact data from the at least two pieces of contact data for the second applicant, via the communication interface, a signal representing a unique link; and
transmit, using a second piece of contact data from the at least two pieces of contact data for the second applicant, via the communication interface, a signal representing a one-time password;
initiate a second remote session, in response to receipt, via the communication interface, of the signal representing the one-time password, the one-time password being provided via the unique link;
during the second remote session, receive, via the communication interface, a signal representing identification information for verifying an identity of the second applicant; and
create a new multi-applicant account profile, after verifying the identity of the first applicant and the identity of the second applicant using the identification information of the first applicant and the identification information of the second applicant respectively.