# US 10,313,330 B2 · Mobile based multi-channel citizen account origination in digital economy

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- Number: US 10,313,330 B2
- Document ID: US10313330B2
- Status: Granted
- Kind: B2
- Application number: 15/846,340
- Filed: 2017-12-19
- Published: 2018-04-19
- Granted: 2019-06-04
- Earliest claimed: 2015-09-16
- Assignees: International Business Machines Corporation
- Applicants: International Business Machines Corporation
- Inventors: Ajay Chebbi; Girish Dhanakshirur; Chethan Kumar N. Settipalli
- Web page: https://patentgrep.com/patent/US10313330B2

## CPC

- H04L 63/083: {using passwords (cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226)}
- G06Q 10/10: Office automation; Time management
- G06Q 30/00: Commerce
- H04L 63/102: {Entity profiles}
- H04L 63/18: {using different networks or channels, e.g. using out of band channels (cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215)}
- H04W 12/069: using certificates or pre-shared keys
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)
- 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
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)

## Abstract

Gathering and verifying customer information via SMS and in-person representatives. A hash is received with customer account information from a business correspondent application, wherein the account information is given in-person to a business correspondent, the business correspondent enters the account information into the business correspondent app, the account information is verified by the business correspondent after entering the account information in the business correspondent app, and the hash is generated by the business correspondent app after the business correspondent app receives confirmation of verification of the account information from the business correspondent. An account number is generated for the customer. The account number is sent to the business correspondent app and to the customer. An enrollment PIN is sent to the customer, wherein the enrollment PIN is linked to the account number. The business correspondent app is synced after the business correspondent app receives the enrollment PIN from the customer.

## Claims

### Claim 1

A system for gathering and recording customer information by a data center, the system comprising:
one or more processors, one or more non-transitory computer readable storage media, and program instructions embodied on the one or more non-transitory computer readable storage media, the program instructions, when executed by the one or more processors, causing the one or more processors to perform a method comprising:
receiving a hash with customer account information from a business correspondent application, wherein the customer account information is given in-person to a business correspondent, the business correspondent enters the customer account information into the business correspondent app, the customer account information is verified by the business correspondent after entering the customer account information in the business correspondent app, and the hash is generated by the business correspondent app after the business correspondent app receives confirmation of verification of the customer account information from the business correspondent;
generating an account number for the customer;
sending the account number to the business correspondent app and to the customer;
sending an enrollment PIN to the customer, wherein the enrollment PIN is linked to the account number; and
syncing with the business correspondent app after the business correspondent app receives the enrollment PIN from the customer.

### Claim 2 (depends on 1)

The system of claim 1, wherein the business correspondent app sends a confirmation short message service (SMS) to the customer upon receiving the enrollment PIN from the customer.

### Claim 3 (depends on 1)

The system of claim 1, wherein the data center sends the account number to the business correspondent app and the customer via short message service (SMS).

### Claim 4 (depends on 1)

The system of claim 1, wherein the customer is identified as a new customer using the received hash and customer account information.

### Claim 5

A computer program product for gathering and recording customer information by a data center, the computer program product comprising:
one or more non-transitory computer readable storage media, and program instructions embodied on the one or more non-transitory computer readable storage media, the program instructions, when executed by a computer, causing the computer to perform a method comprising:
receiving a hash with customer account information from a business correspondent application, wherein the customer account information is given in-person to a business correspondent, the business correspondent enters the customer account information into the business correspondent app, the customer account information is verified by the business correspondent after entering the customer account information in the business correspondent app, and the hash is generated by the business correspondent app after the business correspondent app receives confirmation of verification of the customer account information from the business correspondent;
generating an account number for the customer;
sending the account number to the business correspondent app and to the customer;
sending an enrollment PIN to the customer, wherein the enrollment PIN is linked to the account number; and
syncing with the business correspondent app after the business correspondent app receives the enrollment PIN from the customer.

### Claim 6 (depends on 5)

The computer program product of claim 5, wherein the business correspondent app sends a confirmation short message service (SMS) to the customer upon receiving the enrollment PIN from the customer.

### Claim 7 (depends on 5)

The computer program product of claim 5, wherein the data center sends the account number to the business correspondent app and the customer via short message service (SMS).

### Claim 8 (depends on 5)

The computer program product of claim 5, wherein the customer is identified as a new customer using the received hash and customer account information.