US 12,438,860 B2
Systems and methods for secure and remote onboarding
Bhaskar Purimetla, Marlborough, MA (US); Krishna Purimetla, Marlborough, MA (US); and Brinda Purimetla, Marlborough, MA (US)
Assigned to Citizens Financial Group, Inc., Providence, RI (US)
Filed by Citizens Financial Group, Inc., Providence, RI (US)
Filed on Jan. 24, 2023, as Appl. No. 18/158,542.
Claims priority of provisional application 63/304,964, filed on Jan. 31, 2022.
Prior Publication US 2023/0247026 A1, Aug. 3, 2023
Int. Cl. H04L 9/40 (2022.01)
CPC H04L 63/08 (2013.01) [H04L 63/0853 (2013.01); H04L 63/0884 (2013.01); H04L 63/102 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computing system comprising:
one or more processors and a memory that includes instructions, that when executed by the one or more processors, causes the one or more processors to:
receive, from a user device, a request to create an account, the request including preliminary identifiable data of a user operating the user device;
in response to receiving the request, transmit a first message to the user device, the first message causing the user device to generate, on a graphical user interface (GUI) displayed on the user device, a prompt requesting additional identifiable data associated with the user operating the user device;
receive additional identifiable data received from the user device;
implement a set of confirmation operations that includes:
verifying at least the additional identifiable data based on third-party institution data, said verifying including:
sending a verification request to a third-party institution system,
the third-party institution system parsing the verification request to obtain information corresponding to the additional identifiable data,
obtaining, from a third-party institution database of the third-party institution system, the third-party institution data based on the information parsed from the verification request, and
verifying, by the third-party institution system, the additional identifiable data using the third-party institution data; and
based at least on the verification of at least the additional identifiable data, implement a second set of operations that cause the one or more processors to generate the account including one or more account related features specified by the user.