Account opening computer system architecture and process for implementing same

An end-to-end component based global computer system architecture decoupling the user interface from an underlying computer executed process, comprising:

• at least one computer system including at least one computer processor and at least one memory storing instructions executed by the computer system, the at least one computer system configured to include:
• a globally consistent front end user interface platform implemented by the at least one computer system and capturing application data and including at least one processing module defining at least one of application data elements and process flow instructions responsive to predetermined application specific core systems, and said globally consistent front end user interface platform decoupled from the predetermined application specific core systems;
• a globally consistent application processing platform implemented by the at least one computer system and accessing configurable business rules and comprising an application processing engine processing the application data including managing the validation of the user, managing the configuring of at least one product, managing the assembling of terms and conditions relevant to the at least one product selected, managing the decisioning of the application, and transmitting the processed application data;
• a globally consistent customer communications module implemented by the at least one computer system and managing the generating and sending of customer communications documents;
• a globally consistent queue management system implemented by the at least one computer system and supporting queues processes that utilize the application data;
• a globally consistent funding module comprising a payment processing engine executing at least one of an account funding instruction and a fee instruction;
• and
• a plurality of core systems comprising a customer data management system storing customer data, a decision engine decisioning the application, a cards product system supporting one or more card products, a core banking product system supporting deposit accounts, and a sales services system managing customer interactions, said plurality of core systems operatively communicating with said globally consistent customer communications module via at least one core system interface protocol.

A global computer system architecture decoupling the user interface from underlying business configurable computer executed processes, comprising:

• at least one computer system including at least one computer processor and at least one memory storing instructions executed by the computer system, the at least one computer system configured to include:
• a front end user interface platform implemented by the at least one computer system and capturing application data and providing a flexible and dynamic sequence of screens responsive to configurable business rules coded in application specific core systems separate from the screens and manageable by business staff, and said front end user interface platform decoupled from the application specific core systems;
• an application processing platform implemented by the at least one computer system and containing the configurable business rules and comprising an application processing engine controlling the application processes, centrally tracking the application processes, centrally storing the application data, and coordinating the interaction of a plurality of core supporting systems including:
• a customer communications module implemented by the at least one computer system and generating, managing, and delivering customer communications documents based on the application data and business configurable templates;
• a customer data management system storing customer data;
• a cards product system supporting one or more card products;
• a core banking product system supporting deposit accounts;
• a sales services system managing customer interactions;
• and
• a decision engine decisioning the application,
• said plurality of core systems operatively communicating with the application processing platform via at least one core system interface protocol without being dependent on application specific interfaces;
• a queue management system supporting queues for exception processing;
• and
• a funding module comprising a payment processing engine executing at least one account funding, fee, or balance transfer instruction.