US 12,271,942 B2
Account opening computer system architecture and process for implementing same
Paris F. Roselli, Buffalo, NY (US); Ronald M. Lesandro, Hamburg, NY (US); Michael J. Sullivan, Colden, NY (US); Darren P. Loveday, Waterlooville (GB); Michael R. Antognoli, Chicago, IL (US); John P. Flood, Barlett, IL (US); Yilu He, Riverview, FL (US); Darrick R. Brooks, Lutz, FL (US); Srinivas Lakshman, Mexico City (MX); Richard Gemma, Chicago, IL (US); Trevor Johnson, Vancouver (CA); Sonu Gupta, Tampa, FL (US); and Martin Hayes, Jersey City, NJ (US)
Assigned to HSBC TECHNOLOGY & SERVICES (USA) INC., Arlington Heights, IL (US)
Filed by HSBC TECHNOLOGY & SERVICES (USA) INC., Arlington Heights, IL (US)
Filed on Sep. 29, 2020, as Appl. No. 17/037,449.
Application 17/037,449 is a continuation of application No. 13/920,143, filed on Jun. 18, 2013, granted, now 10,789,641, issued on Sep. 29, 2020.
Application 13/920,143 is a continuation of application No. 13/293,957, filed on Nov. 10, 2011, granted, now 8,468,090, issued on Jun. 18, 2013.
Application 13/293,957 is a continuation of application No. PCT/US2011/037143, filed on May 19, 2011.
Claims priority of provisional application 61/435,000, filed on Jan. 21, 2011.
Claims priority of provisional application 61/407,210, filed on Oct. 27, 2010.
Claims priority of provisional application 61/405,398, filed on Oct. 21, 2010.
Claims priority of provisional application 61/391,815, filed on Oct. 11, 2010.
Claims priority of provisional application 61/347,199, filed on May 21, 2010.
Prior Publication US 2021/0049682 A1, Feb. 18, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01); G06F 9/451 (2018.01); G06F 9/54 (2006.01); G06F 16/958 (2019.01); G06Q 20/10 (2012.01); G06Q 20/12 (2012.01); G06Q 30/02 (2023.01); G06Q 40/02 (2023.01)
CPC G06Q 40/02 (2013.01) [G06F 9/452 (2018.02); G06F 9/548 (2013.01); G06F 16/958 (2019.01); G06Q 20/10 (2013.01); G06Q 20/12 (2013.01); G06Q 30/0281 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A global account opening method, comprising:
electronically capturing application data by a front end component comprising a plurality of portlets managed in a web portal environment that are linked together to generate a front end user journey responsive to configurable processing rules and local specifications, the front end user journey being decoupled and independent from account opening process components by chaining the plurality of portlets, wherein a parameter declared by one of the portlets is transmitted to another portlet declaring a same parameter, and a configuration file defines processing flow across different portlets;
accessing processing rules by an application processing system in communication with the front end component and comprising an object-oriented application processing engine component executing account opening process components;
processing the application data responsive to the processing rules and local specifications including processing and managing validation of a user including authenticating the user;
managing generating, sending, and storing of customer communications documents associated with the application data by a customer communications system in communication with the application processing system and multi-channel communications systems;
managing queues for processing the application data outside of the processing by a queue management system in communication with the application processing system, responsive to configurable rules for creating and population of the queues; and
providing a globally consistent application processing platform based on the front end user journey being decoupled and independent from the account opening process components.