Offsite financial account onboarding

摘要

Offsite financial account onboarding is provided which creates a more streamlined process for a customer. The customer accesses a money services business electronic system to request financial account setup. The onboarding system establishes account access to a pooled custodial account managed by the money services business based on preliminary identification (ID) data from the customer. With only preliminary ID data, account access limits are assigned which reduces the risk of fraud or criminal activity with the customer's account access. Because account access is established with just the preliminary ID data, the customer may fully obtain account access directly from a mobile device. The money services business provides additional graduated access levels depending on additional ID data provided by the customer. Thus, depending on the type of ID data provided by the customer, the customer's account access will have corresponding access level rights to the custodial account.

主权项

1. A method comprising:
creating, by a financial transaction computer and using a web-based offsite onboarding application, a customer access area for a customer in a pooled custodial account, in a memory of the financial transaction computer, wherein the customer access area is a sub-account, requesting, by the web-based offsite onboarding application, that the customer enter identification (ID) information, wherein the web-based offsite onboarding application configures financial institution servers to receive an electronic customer request from the customer at an offsite location, wherein the web-based offsite onboarding application runs in response to the customer request for a financial account from the offsite location, receiving, by the financial transaction computer and via the internet, the ID information via at least one of a financial institution website or via a graphical user interface of a mobile financial application on a mobile device communicating with a mobile commerce server of the financial transaction computer; associating, by the financial transaction computer, the customer access area with software tags having access limits, wherein the access limits are associated with an access level for the pooled custodial account, maintaining, by the financial transaction computer, the access level and restrictions as software tags associated with the ID information in an account registry; and determining, by the web-based offsite onboarding application and using the IDinformation, the access level for the customer to the pooled custodial account based on the restrictions in the account registry.