KR20150074445A - Method and apparatus for opening bank account - Google Patents
Method and apparatus for opening bank account Download PDFInfo
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- KR20150074445A KR20150074445A KR1020130162238A KR20130162238A KR20150074445A KR 20150074445 A KR20150074445 A KR 20150074445A KR 1020130162238 A KR1020130162238 A KR 1020130162238A KR 20130162238 A KR20130162238 A KR 20130162238A KR 20150074445 A KR20150074445 A KR 20150074445A
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- information
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
Description
The present invention relates to banking, and more particularly to a method and apparatus for opening an account.
With the spread of wireless Internet and information terminals, ubiquitous environment that can access desired information and service anytime and anywhere is getting closer to our lives. Especially, with the spread of smartphones, the population of wireless Internet users is also on an increasing trend.
The smart phone is a next generation mobile phone that adds wireless Internet, personal digital assistant (PDA) and office functions to voice-centric mobile phones. That is, an intelligent terminal that adds computer functions such as internet communication and information processing to a mobile phone function can access information through a wireless network and Wi-Fi as well as a video call to retrieve information and use various contents.
In the early 2000s, domestic carriers and major banks introduced mobile banking based on Wireless Application Protocol (WAP) for the first time, but failed to expand users due to interface problems and expensive wireless Internet costs. In the meantime, it has been possible to simplify the subscriber authentication process by incorporating an integrated circuit (IC) chip in the mobile phone. (VM) -based mobile banking service that enables users to download mobile banking services. In particular, since the end of 2009, commercial banks have provided smartphone-based applications, and the era of mobile banking has started.
In other words, with the launch of smart phones and the emergence of various smart devices such as tablet PCs, financial companies are providing various electronic financial services. In particular, the number of users of electronic financial services using smartphones is rapidly increasing due to convenience in terms of location. According to the press release from the Bank of Korea, the average number and amount of mobile banking usage in the third quarter of 2012 increased by 9.9% and 7.1% QoQ to 13.3mn and 973.4bn, respectively. The number and amount of mobile phone- 13.85 million and 891.3 billion won, respectively, accounting for 99.7% and 91.6% of total mobile banking usage.
A first object of the present invention is to provide a method for opening a smart account.
A second object of the present invention is to provide an apparatus for opening a smart account.
According to an aspect of the present invention, there is provided a method for opening a smart account, the method including: receiving a connection signal of a user equipment and transmitting transaction service information to the user equipment; The server receiving from the user device the account opening request information generated based on the transaction job information and transmitting the account opening information to the user device in response to the opening account request information, The method comprising the steps of: receiving merchandise-related information and personal information from the user equipment in response to establishment information; transmitting information about a recommended visit point and a recommended visit time to the user equipment; In response to the visit point and the recommended visit time, The method comprising the steps of: receiving information on a reservation visit point and a reservation visit time, performing a reservation procedure based on the reservation visit point and the reservation visit time information, and receiving the account opening information, And generating an electronic document based on the related information and the personal information. The smart account opening method further includes a step in which the bank server receives the signature information for the electronic document and the bank server performs an authentication procedure for the electronic document based on the authentication server to generate a final electronic document can do. The authentication procedure may be a procedure of requesting TSA (time stamp authority) authentication and inserting authentication information into the electronic document. Wherein the step of the bank server transmitting information on the recommendation visit point and the recommendation visit time to the user device comprises the steps of the bank server receiving information on visit priority from the user apparatus, Determining the information about the recommended visit point and the recommended visit time based on the information about the recommended visit point and the recommended visit time based on the information about the recommended visit point and the recommended visit time, And information for determining whether to receive the recommended visit time. Wherein the bank server transmits information on the recommended visit point and the recommended visit time to the user device when the user device selects the visit point with the visiting priority, Determining a bank point as the recommended point of visit, and determining the recommended time of visit based on the reservation status information of the recommended point of visit. Wherein the bank server transmits information on the recommended visit point and the recommended visit time to the user device when the user device selects the visit time with the visiting priority, Determining a bank point that can be used as the recommended visiting point, and determining the recommended visit time as the available time near the current time based on the reservation status information of the recommended visit point.
According to another aspect of the present invention, there is provided a bank server for opening a smart account, the bank server including a processor, Receiving account opening request information generated based on the transaction transaction information from the user device and transmitting account opening information to the user device in response to the account opening request information; Receiving the goods related information and the personal information from the user device in response to the account opening information, transmitting information about the recommended visiting point and the recommended visiting time to the user device, From the user device in response to time, Wherein the information processing unit receives the information on the door time, performs a reservation procedure based on the reservation visit point and the reservation visit time information, and displays the electronic payment information on the basis of the account opening information, And may be implemented to generate a document. The processor may be configured to receive signature information on the electronic document and to perform an authentication procedure on the electronic document based on the authentication server to generate a final electronic document. The authentication procedure may be a procedure of requesting TSA (time stamp authority) authentication and inserting authentication information into the electronic document. Wherein the processor is configured to receive information on a visit priority from the user device and determine information on the recommendation visit point and the recommendation visit time based on the information on the visit priority, The visit point and the visit time, and the information for deciding whether to receive the recommended visit point and the recommended visit time determined by considering the visit point and the visit time. Wherein the processor determines the nearest bank point as the recommended point of visit based on the location information of the user equipment when the user equipment selects the visiting point with the visiting priority, To determine the recommended visit time. Wherein the processor determines the bank point where the banking service can be processed most quickly based on the current time as the recommended point of visit when the user equipment selects the visiting time with the visiting priority, And determine the recommended visit time based on the information based on the reservation available time near the current time.
As described above, when the smart account opening method and apparatus according to the embodiment of the present invention is used, the smart account opening process according to the present invention can be easily performed by a customer in a short period of time for opening an account using a personal computer (PC) The process can be shortened. Also, according to the present invention, there is an effect that documents to be directly written by a customer are electronically documented so that storage and management are convenient.
1 is a flowchart illustrating a smart account opening method according to an embodiment of the present invention.
FIG. 2 is a flowchart illustrating a procedure after a user's visit to a branch after the user's procedure performed in FIG. 1. FIG.
3 is a flowchart illustrating an operation of a bank server in a smart account opening method according to an embodiment of the present invention.
4 is a conceptual diagram illustrating transmission and reception of signals for opening a smart account according to an embodiment of the present invention.
5 is a conceptual diagram illustrating a method for selecting a visit point and a visit time according to an embodiment of the present invention.
6 is a conceptual diagram illustrating a method for selecting a visit point and a visit time according to another embodiment of the present invention.
7 is a conceptual diagram illustrating a bank server according to an embodiment of the present invention.
While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. Like reference numerals are used for like elements in describing each drawing.
The terms first, second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component. And / or < / RTI > includes any combination of a plurality of related listed items or any of a plurality of related listed items.
It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between.
The terminology used in this application is used only to describe a specific embodiment and is not intended to limit the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In the present application, the terms "comprises" or "having" and the like are used to specify that there is a feature, a number, a step, an operation, an element, a component or a combination thereof described in the specification, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.
Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. Hereinafter, the same reference numerals will be used for the same constituent elements in the drawings, and redundant explanations for the same constituent elements will be omitted.
Hereinafter, a smart account opening method will be described in the embodiment of the present invention. When using the smart account opening method, it is possible to shorten the bank opening step and time by using a PC (personal computer) and a mobile.
In the method of opening a smart account according to the embodiment of the present invention, after completing the first document preparation step with the PC or mobile, the related documents related to the account opening service to be opened at the window, . When using this method, it is possible to omit the time and procedures required to visit the bank when opening an account, and to e-document related documents, thereby facilitating storage and management.
Generally, when opening an account, it takes a lot of time to go to the bank with various documents and write documents and wait until the account is opened. As the internet and smartphone become popular, it is necessary to input basic information of the customer in advance and to select the point or time to visit, thereby minimizing the time required for the opening work. .
1 is a flowchart illustrating a smart account opening method according to an embodiment of the present invention.
Referring to FIG. 1, a user accesses a bank homepage based on a user apparatus (step S100).
The method of accessing the bank homepage can be performed based on various network devices. For example, you can use a PC-based connection method as a user's device, or access a bank's homepage based on mobile. For example, a user who wishes to open an account at a particular bank may access the bank's home page based on the banking application installed on the smartphone.
A transaction job is selected (step S110).
At the bank server, the user can transmit information about transaction transactions that can be processed online. The user device can select and enter a transaction task that the user wishes to perform among various transactions that can be processed on the bank homepage. Hereinafter, it is assumed that the account opening service is selected in the embodiment of the present invention. In addition to opening accounts, various banking services can be processed online via the network.
An account is selected and opened (step S120).
The user device can select an account and perform account opening work. The bank server can transmit the information necessary for the account opening service to the user device. The information input by the user apparatus may be different according to the account opened in the user apparatus. For example, when opening a savings account and opening a savings account, the information input may be different. In the case of savings, various kinds of goods can be varied, so that various information can be set through a product selection process, a money amount determination process, and a transfer date determination process. The set information may be additionally changed in the offline procedure that the account establisher next visits the bank.
And inputs the personal information (step S130).
When you open an account, you can enter basic personally identifiable information (eg, name, social security number, contact and address) in the documents you write. Although the personal information may be performed through the additional personal authentication web server, it is possible to further verify whether the personal information input in step S130 is correct by further performing the personal authentication procedure in the offline procedure. For example, when you visit a bank, you can check your real name on the screen at the counter. A blind name can refer to a document that can be identified such as a resident registration card.
A visiting point and a visiting time are selected (step S140).
The user can select a visit point and a visit time to perform additional bank account operations. The bank server can recommend a visit point near the user's location based on the user's location information. In addition, it is possible to determine the time when the reservation is not made and transmit the information about the time available for the user to the user. The user can input information on a visit point and a visit time point of the user to be visited based on the information on the received visit point and information on the visit point. And transmits information on the visit point and time selected by the user to the bank server and the corresponding point.
The bank server can generate a primary electronic document for opening an account based on the information transmitted from the user device. The bank server can perform the reservation at a selected point on the selected point based on the information about the visited point and time selected by the user and transmit the reservation confirmation information to the user device. For example, a bank server can transmit reservation confirmation information to a user device based on a service such as a short message service (SMS).
Thereafter, the user can visit the bank branch where the reservation is made and perform the offline procedure.
FIG. 2 is a flowchart illustrating a smart account opening method according to an embodiment of the present invention. The user's procedure illustrated in FIG. 2 is a process after a user's visit to the user site after the user's process performed in FIG.
Referring to FIG. 2, the identity verification procedure is performed (step S200).
The user can visit the bank branch where the reservation is made and perform the identity verification procedure. The identity verification procedure may be carried out through the process of submitting a list of allowed blindness in accordance with the system (for example, Article 3 of the Enforcement Regulations of the Real Name Financial Transactions and Confidentiality Act, Rule 1 of Verification of Real Name Transactions). The blindness form can be entered into the electronic document after scanning.
And inputs the real name confirmation and additional item setting information (step S210).
You can check your real name with the real name form you submitted and set up a password for your account, check card, whether to open electronic banking, and other necessary things.
A signature is input to the electronic document screen (step S220).
A signature can be entered into the generated electronic document based on the above procedure.
An authentication procedure is performed (step S230).
Request a TSA (time stamp authority) authentication and insert the authentication information into the electronic document. The timestamp is characterized in that it is impossible to reissue it to a past time because the third trusted party (TPP) gives the time information to the electronic document. For example, if a user requests to issue a time stamp with a time stamp authority (TSA) that can provide a point-in-time confirmation service to the user, the notarized system issues a time stamp to the electronic document can do. Other users who open the electronic document at the time of confirming the document to which the time stamp is issued can confirm whether or not the electronic document is authentic based on the time stamp issuance time based on the time stamp.
The final electronic document is generated and the account opening procedure is terminated (step S240).
The final electronic document creation procedure can be completed and the account opening procedure can be terminated. The user can receive the necessary signatures, passbooks and other documents (check cards, electronic banking documents, etc.) on the first page of the account. At this time, the customer can output the final electronic document if desired.
FIG. 3 is a flowchart illustrating a smart account opening method according to an embodiment of the present invention. FIG. 3 illustrates an operation of a bank server.
Referring to FIG. 3, connection information is received from a user apparatus (step S300).
The user device may be a personal computer (PC) or a networking device such as a mobile. The bank server may receive the user's access information from the user device.
And transmits the transaction job information to the user device (step S310).
And can transmit transaction transaction information to the user device. And can transmit information on the transaction service to the user device. For example, information related to various transaction services such as account opening, product information, and branch reservation can be transmitted to the user device, and information on the transaction service to be performed can be received from the user device. Hereinafter, it is assumed that the transaction service information for account opening is received from the user device in the embodiment of the present invention.
And receives the account opening request information and transmits the account opening related information (step S320).
The bank server may receive the account opening request information from the user device and may transmit the account opening related information to the user device. Information related to opening an account can be a deposit account, product information on a savings account, and the like.
Related information and personal information from the user apparatus (step S330).
Related information from the user device. The product related information may be product selection information, amount information, transfer date information, and the like selected by the user. Personal information can be name, resident registration number, contact information, address information, and the like.
The user is provided with information on the recommended visit point and the recommended visit time (step S340).
The user can be provided with information on the recommended visit point and the recommended visit time. For example, the recommended point of visit may be information about a point close to the user device based on the location information of the user device. The recommended visit time may be information on a time point at which the user can wait at least on the basis of the currently scheduled schedule information.
The visiting point reservation information and the visiting point reservation information are received from the user device and the reservation information is transmitted to the corresponding point (step S350).
It is possible to receive the visit point reservation information and the visit point information received from the user apparatus, transmit the reservation information to the corresponding point, and receive the information on the reservation availability. When the reservation is available at the corresponding point, the reservation completion signal can be transmitted to the user device. If the reservation can not be made to the corresponding point, the re-reservation request signal may be transmitted to the user device, and the visiting reservation procedure may be performed again from step S340.
And generates an electronic document based on the information transmitted from the user apparatus (step S360).
The electronic document can be generated based on the information transmitted from the user apparatus. The electronic document may include information about the user's personal information, information on the transaction selected by the user, user reservation information, and the like.
Authentication information (step S370).
It is possible to receive the authentication information from the bank server. The user can submit his / her authentication information after visiting the off-line branch, and the bank server can receive the authentication information and determine whether it is the same as the information used in generating the primary electronic document.
And receives information on the addition (step S380).
In addition, it is possible to receive additional information necessary for opening an account such as a password, information on whether electronic banking is opened or not.
Receives the signature information, inserts the authentication information into the electronic document (step S390).
The signature information created from the user can be digitized and received, and authentication information (e.g., a time stamp, etc.) can be received from an additional certification authority.
4 is a conceptual diagram illustrating transmission and reception of signals for opening a smart account according to an embodiment of the present invention.
Referring to FIG. 4, the user equipment transmits a connection request signal to a bank server (step S400).
The user device may be a user's PC or mobile device. The user device can access the service page such as the bank homepage and perform the account opening service according to the embodiment of the present invention.
The bank server receiving the connection request signal from the user device transmits transaction related information based on the user's connection request signal (step S410).
The transaction related information may be a job that the user device can perform online (for example, opening an account, searching for product information, card application, etc.).
The user device having received the transaction-related information transmits the selected transaction information and the personal information (step S420).
The selected transaction information may be information selected based on the transaction-related information in the user apparatus that has received the transaction-related information. For example, the user device may select a deposit or savings operation, which is a task the user wishes to perform, and may select a product selection, an amount, a transfer date, etc., if the user device selects a deposit operation. Also, information about the user's personal information can be transmitted to the bank server.
The bank server receives the selected transaction information and the personal information, and transmits information on the recommended visit time and the recommended visit point to the user device (step S430).
It is possible to transmit information on the recommended visit point and the recommended visit time to the user device in consideration of the location information of the user device, the current time information, and the information on the reservation status.
And receives the visit reservation information from the user device (step S440).
The user device can perform the visit reservation based on the information about the recommended visit point and the recommended visit time. Information about the visit reservation performed by the user device may be transmitted to the bank server.
The bank server generates an electronic document (step S450).
The bank server can generate electronic documents. For example, a bank server can receive electronic transaction information, personal information, and visit reservation information transmitted from a user device to generate an electronic document.
The bank server can perform identity authentication based on the authentication information (step S460).
When the user visits, the user can submit information (for example, a real name certificate) for authenticating the user, and the bank server can receive the authentication information and input it to the electronic document.
The bank server may receive the signature information and perform the electronic document authentication procedure (step S470).
The bank server may receive the signature information from the user device and include the signature information in the electronic document. The electronic document authentication procedure can be performed after the signature information is included in the electronic document. For example, a TSA authentication procedure can be performed to authenticate an electronic document.
The final electronic document is generated and the account opening procedure is completed (step S480).
After authentication, the final electronic document can be generated and the account opening procedure can be completed.
5 is a conceptual diagram illustrating a method for selecting a visit point and a visit time according to an embodiment of the present invention.
Referring to FIG. 5, a method of selecting a visit point based on a location of a user apparatus in a
And may request location information from the user device to select a landmark based on the location of the user device. The user device can transmit its
The
In case of considering such a visit point as a priority, it is also possible to recommend another visit point to the user considering the priority of the user as a method of selecting information about the visit point and the visit time.
6 is a conceptual diagram illustrating a method for selecting a visit point and a visit time according to another embodiment of the present invention.
Referring to FIG. 6, it is possible to select a priority order as to whether the user equipment will preferentially consider the visit point or the visit time first. These priorities are called visit priorities.
For example, when the user device firstly considers the visit point, the
On the contrary, when the user apparatus considers the information on the visit time preferentially, the
That is, the
7 is a conceptual diagram illustrating a bank server according to an embodiment of the present invention.
FIG. 7 shows a bank server that performs a smart account opening operation.
7 may include a transaction
The transaction
The
For example, when the user device selects a visit point as a visit priority, the
The electronic
The
The
The
It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined in the appended claims. It will be possible.
Claims (12)
Receiving a connection signal of a user device from a bank server and transmitting transaction transaction information to the user device;
The bank server receiving account opening request information generated based on the transaction service information from the user device and transmitting the account opening information to the user device in response to the account opening request information;
The bank server receiving product related information and personal information from the user device in response to the account opening information;
The bank server transmitting information on a recommended visit point and a recommended visit time to the user device;
Wherein the bank server receives information about a reservation visit point and a reservation visit time from the user device in response to the recommended visit point and the recommended visit time and performs a reservation procedure based on the reservation visit point and the reservation visit time information ; And
And generating an electronic document based on the account opening information, the product related information, and the personal information received from the user device by the bank server.
Receiving signature information on the electronic document from the bank server; And
Wherein the bank server performs an authentication procedure for the electronic document based on the authentication server to generate a final electronic document.
Wherein the authentication procedure requests a time stamp authority (TSA) authentication and inserts authentication information into the electronic document.
The bank server receiving information on visit priorities from the user equipment; And
And the bank server determining information on the recommended visit point and the recommended visit time based on the information on the visit priority,
Wherein the visit priority is information for determining whether to receive the recommendation visit point and the recommendation visit time determined by preferentially considering a visit point and a visit time.
Determining the nearest bank point on the basis of the location information of the user equipment as the recommended visiting point when the user device selects the visited point with the visiting priority; And
And determining the recommended visit time based on the reservation status information of the recommended visit point.
Determining, as the recommended point of visit, a bank point at which the banking service can be processed most rapidly based on the current time when the user equipment selects the visit time with the visiting priority; And
Further comprising the step of determining a reservation available time near the current time as the recommended visit time based on reservation status information of the recommended visit point.
The processor receives the connection signal of the user equipment, transmits the transaction service information to the user equipment,
Receiving account opening request information generated based on the transaction service information from the user device, transmitting account opening information to the user device in response to the account opening request information,
Receiving product related information and personal information from the user device in response to the account opening information,
Transmits information on the recommended visit point and the recommended visit time to the user device,
Receiving information on a reservation visit point and a reservation visit time from the user device in response to the recommended visit point and the recommended visit time, performing a reservation procedure based on the reservation visit point and the reservation visit time information,
And a smart account configured to generate an electronic document based on the account opening information, the product related information, and the personal information received from the user device.
Receiving signature information for the electronic document,
Wherein the authentication server is configured to perform an authentication procedure on the electronic document to generate a final electronic document.
Wherein the authentication procedure is a procedure for requesting a time stamp authority (TSA) authentication and inserting authentication information into the electronic document.
Receiving information on a visiting priority from the user device,
And the information about the recommended visit point and the recommended visit time based on the information on the visit priority,
Wherein the visit priority is information for determining whether to receive the recommended visit point and the recommended visit time determined by preferentially considering a visit point and a visit time.
When the user apparatus selects the visited point with the visiting priority, the bank point closest to the user apparatus is determined as the recommended point of visit based on the location information of the user apparatus,
And determines the recommended visit time based on reservation state information of the recommended visit point.
When the user device selects the visit time with the visiting priority, the bank point that can process the banking service most quickly based on the current time is determined as the recommended visit point,
And determines a reservation available time that is close to the current time as the recommended visit time based on the reservation status information of the recommended visit point.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020130162238A KR20150074445A (en) | 2013-12-24 | 2013-12-24 | Method and apparatus for opening bank account |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020130162238A KR20150074445A (en) | 2013-12-24 | 2013-12-24 | Method and apparatus for opening bank account |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| KR20150074445A true KR20150074445A (en) | 2015-07-02 |
Family
ID=53787566
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| KR1020130162238A KR20150074445A (en) | 2013-12-24 | 2013-12-24 | Method and apparatus for opening bank account |
Country Status (1)
| Country | Link |
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| KR (1) | KR20150074445A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111768013A (en) * | 2019-03-30 | 2020-10-13 | 成都三泰铭品金融信息服务有限公司 | Commercial bank public account comprehensive management system and method |
| US11151845B1 (en) | 2021-02-09 | 2021-10-19 | Wells Fargo Bank, N.A. | Computer-based system for provisioning new accounts using location-based authentication |
-
2013
- 2013-12-24 KR KR1020130162238A patent/KR20150074445A/en not_active Application Discontinuation
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111768013A (en) * | 2019-03-30 | 2020-10-13 | 成都三泰铭品金融信息服务有限公司 | Commercial bank public account comprehensive management system and method |
| CN111768013B (en) * | 2019-03-30 | 2023-06-27 | 成都三泰铭品金融信息服务有限公司 | Commercial bank public account comprehensive management system and method |
| US11151845B1 (en) | 2021-02-09 | 2021-10-19 | Wells Fargo Bank, N.A. | Computer-based system for provisioning new accounts using location-based authentication |
| US11625991B1 (en) | 2021-02-09 | 2023-04-11 | Wells Fargo Bank, N.A. | Computer-based system for provisioning new accounts using location-based authentication |
| US11908286B2 (en) | 2021-02-09 | 2024-02-20 | Wells Fargo Bank, N.A. | Computer-based system for provisioning new accounts using location-based authentication |
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