Digital banker application system
A computing system includes a network interface circuit structured to facilitate data transmission over a network, and a processing circuit having one or more processors coupled to non-transitory memory storing instructions that when executed by the one or more processors, cause the processing circuit to: generate a first code specific to at least one of an individual or an event, the first code being displayable for capture by a customer device associated with a customer; generate a second code regarding the customer; cause a providing of the second code to the customer device; and in response to receiving the second code from the customer device within a predefined parameter of receiving customer information and an indication of a capturing of the first code from the customer device, cause an opening of an account for the customer.
1 . A computer system, comprising:
a network interface circuit structured to facilitate data transmission over a network; and
a processing circuit comprising one or more processors coupled to non-transitory memory storing instructions that when executed by the one or more processors, cause the processing circuit to:
generate a first code specific to at least one of an individual or an event, the first code being displayable for capture by a customer device associated with a customer;
generate a second code regarding the customer;
cause a providing of the second code to the customer device; and
in response to receiving the second code from the customer device within a predefined parameter of receiving customer information and an indication of a capturing of the first code from the customer device, cause an opening of an account for the customer.
2 . The computer system of claim 1 , wherein the instructions, when executed by the one or more processors, further cause the processing circuit to provide an authentication instruction to the customer device prompting for a verification of an identity of the customer at a specific location.
3 . The computer system of claim 1 , wherein the second code is generated prior to the capturing of the first code by the customer device.
4 . The computer system of claim 1 , wherein the instructions, when executed by the one or more processors, further cause the processing circuit to receive an input from the customer device and wherein the second code is generated in response to receiving the input.
5 . The computer system of claim 4 , wherein the input includes a passcode specific to the customer, and wherein the instructions when executed by the one or more processors, further cause the processing circuit to query a database to confirm an accuracy of the passcode.
6 . The computer system of claim 1 , wherein the second code comprises an authentication code generated based on a verification of an identity of the customer.
7 . The computer system of claim 1 , wherein the second code further includes a unique identifier specific to an agent of a provider institution.
8 . The computer system of claim 1 , wherein the second code further includes a unique identifier specific to a branch location associated with a provider institution.
9 . The computer system of claim 1 , wherein the second code is provided to the customer device by NFC transfer.
10 . The computer system of claim 1 , wherein the predefined parameter comprises a time expiration period parameter such that if the second code is not received within a predefined amount of time from the capturing of the first code, the second code is not validated.
11 . A computing device, comprising:
a processing circuit comprising one or more processors coupled to non-transitory memory, wherein the processing circuit is configured to:
capture a first code;
launch a web browser in response to capturing the first code thereby causing a display of a graphical user interface comprising one or more fillable fields with at least one of the one or more fillable fields populated with information from the captured first code;
receive authentication instructions from a provider computing system in response to sending the information from the one or more fillable fields to verify a customer's identity;
receive a second code;
send the second code to the provider computing system; and
access an account that is opened in response to the second code being received by the provider computing system.
12 . The computing device of claim 11 , wherein the processing circuit is further configured to receive a customer input to populate an additional one or more fillable fields relative to the at least one of the one or more fillable fields to form preliminary account application information.
13 . The computing device of claim 12 , wherein the processing circuit is further configured to send the preliminary account application information to the provider computing system, and wherein the preliminary account application information verifies the customer's identity.
14 . The computing device of claim 11 , wherein the first code is a QR code, and wherein capturing the first code includes scanning a QR code.
15 . The computing device of claim 11 , wherein the authentication instructions comprise a prompt to present a physical form of identification to verify the customer's identity.
16 . The computing device of claim 11 , wherein the account is a savings account or a checking account associated with a provider institution that is associated with the provider computing system.
17 . The computing device of claim 11 , wherein the second code is a predetermined authentication code that is provided in response to verifying the customer's identity.
18 . A method comprising:
capturing, by a customer device, a first code specific to at least one of an individual or an event;
launching, by the customer device, a web browser in response to capturing the first code, thereby causing a display of a graphical user interface comprising one or more fillable fields with at least one of the one or more fillable fields populated with information from the captured first code;
receiving, by the customer device, authentication instructions from a provider computing system to verify an identity of the customer;
providing, by the customer device, customer information configured to verify the identity of the customer;
receiving, by the customer device, a second code regarding the customer;
providing, by the customer device, the second code to the provider computing system; and
accessing, by the customer device, an account in response to the provider computing system receiving the second code.
19 . The method of claim 18 , wherein the customer information comprises a biometric input from the customer device.
20 . The method of claim 19 , wherein the first code is a QR code, and wherein capturing the first code includes scanning the QR code.