US 12,147,795 B2
Systems and methods for automated digital enrollment
Muhammad Aun, Toronto (CA); Subashan Maheswaramoothy, Toronto (CA); Romulus Lucic, Toronto (CA); and Devin Hewitt, Toronto (CA)
Assigned to BANK OF MONTREAL, Toronto (CA)
Filed by BANK OF MONTREAL, Toronto (CA)
Filed on Mar. 30, 2021, as Appl. No. 17/217,297.
Claims priority of provisional application 63/005,787, filed on Apr. 6, 2020.
Prior Publication US 2021/0311710 A1, Oct. 7, 2021
Int. Cl. H04L 67/148 (2022.01); G06F 8/61 (2018.01); G06F 9/54 (2006.01); H04L 67/02 (2022.01); H04L 67/146 (2022.01)
CPC G06F 8/61 (2013.01) [G06F 9/542 (2013.01); G06F 9/547 (2013.01); H04L 67/02 (2013.01); H04L 67/146 (2013.01); H04L 67/148 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A method comprising:
in response to presenting one or more input elements to be displayed on a first electronic device, receiving, by a server, at least one user attribute and a request for an automatic installation and enrollment of a mobile application on a second electronic device operated by a user;
generating, by the server, a token by encrypting, using a key, corresponding to an encrypted account identifier associated with the user; storing, by the server, a time-limited handler including the key used to encrypt the account identifier;
presenting, by the server to be displayed on the first electronic device, an encoded graphical element corresponding to the token; receiving, by the server, an indication that the second electronic device has scanned the encoded graphical element, wherein the server receives the token from the second electronic device, wherein the mobile application is installed onto the second electronic device; decrypting, by the server, the token using the key in the time-limited handler;
in response to the server decrypting the encrypted account identifier, automatically enrolling, by the server, the user via the mobile application by: reconfiguring, by the server, the mobile application using the decrypted account identifier, such that the mobile application is configured to access data associated with the user and the decrypted account identifier; and enabling, by the server, at least one feature of the mobile application corresponding to at least one service associated with an account of the user; and
wherein the server only reconfigures the mobile application when the server determines that the mobile application has not been previously configured to any other users.