| 主权项 |
1. A method of interfacing with a financial institution using a computer interface, the method comprising the steps of:
(a) receiving at a first computer system of the financial institution an interface request from a customer after the customer has reached, via a path through a computer network, a predetermined webpage for the financial institution; (b) presenting at a second computer being operated by the customer to interface with the financial institution a first content to the customer, wherein said first content includes a list of products offered by the financial institution; (c) receiving at the first computer system a first input from the customer, wherein said first input includes a product choice from the list of products offered by the financial institution; (d) determining at the first computer system whether the customer is a current online client of the financial institution by authenticating a first set of information submitted by the customer wherein the first set of information includes at least one of: an online client user identification and password for the customer; if the customer is a sole proprietorship a last name of an owner of the sole proprietorship and part of an identification number associated with the owner; if the customer is a non-sole proprietorship a business name and a part of an identification number associated with the customer, and verifying a pre-existing client identification profile for the customer; (e) receiving at the first computer system a second set of information sent by the customer wherein the second set of information includes at least one of business information for the customer, information for an authorized agent for the customer, and information for an authorized signer for the customer; (f) presenting at the second computer the second set of information to the customer for review by the customer and receiving a third set of information from the customer wherein the third set of information comprises the second set of information and any modifications to the second set of information made by the customer; (g) presenting at the second computer a set of terms and conditions to the customer; (h) receiving at the first computer system an application from the customer; (i) verifying at the first computer system a first part of the third set of information if the customer is a sole proprietor; (j) verifying at the first computer system a second part of the third set of information if the customer is not a sole proprietor; (k) determining at the first computer system a credit score for the customer which is representative of the customer's credit; (l) presenting at the second computer a set of account options to the customer wherein the account options presented are based at least in part on the verification of the third set of information and the customer's credit score; (m) receiving at the first computer system a second input from the customer, wherein the second input comprises a decision including at least one of sending a check by mail to the financial institution, making a deposit at a branch of the financial institution, electronically transferring funds to the financial institution from a source outside of the financial institution, and providing funding from a preexisting account at the financial institution; (n) verifying at the first computer system the second input; (o) determining at the first computer system if the customer is to be enrolled for a checkcard and if so processing at the first computer system a checkcard enrollment for the customer at a predefined level based at least in part on one or more first predetermined factors; (p) determining at the first computer system whether the customer is to be enrolled in a business online program; (q) determining at the first computer system whether the customer is to be enrolled in a third-party merchant services program based at least in part on predetermined requirements for the third-party merchant and if so processing at the first computer system a merchant services program enrollment for the customer at a predefined level based at least in part on one or more second predetermined factors; and (r) presenting at the second computer information to the customer related to the customer's products, accounts, or enrollments, wherein the verifying of the second part of the third set of information includes determining a second verification information, evaluating the second verification information including comparing the first part of the third set of information with at least one of publicly-available information for the customer or information for the customer predetermined by the financial institution, querying the customer, verifying the customer's answers to the queries, and authenticating the customer based on the second verification information and the customer's answers, and wherein the evaluation of the second verification information includes: (i) evaluating a first verification index; (ii) if the first verification index is acceptable, querying the customer and verifying the customer's answers, otherwise if the first verification index is not acceptable or if the customer's answers are not acceptable, determining if the customer is an existing client of the financial institution and if so, placing the customer in a pending status; (iii) if the customer's answers are acceptable, evaluating a second verification index; (iv) if the second verification index is not acceptable, determining if the customer is an existing client of the financial institution and if so, placing the customer in a pending status, otherwise if the customer is not an existing client of the financial institution, determining if the age of the customer's business is less than a predetermined threshold and if so, placing the customer in a pending status; (v) if the second verification index is acceptable, evaluating a third verification index; (vi) if the third verification index is acceptable, determining a fourth verification index, evaluating the fourth verification index, and if the fourth verification index is not acceptable, ending the process; and (vii) if the third verification index is not acceptable, performing exception processing and if the exception is not cleared, ending the process, otherwise if the exception is cleared, determining a fourth verification index, evaluating the fourth verification index, and if the fourth verification index is not acceptable, ending the process, wherein the first verification index includes information related to a business of the customer, the second verification index includes personal information for an authorized representative of the customer, the third verification index includes information for a relationship between the authorized representative of the customer and the business of the customer, and the fourth verification index is based on a fraud evaluation of the customer and the authorized representative of the customer. |
