公开(公告)号：US20230252115A1

公开(公告)日：2023-08-10

申请号：US17668507

申请日：2022-02-10

Applicant: Bank of America Corporation

Inventor： Preston Wesley Ports, III ,  Ryan J. Moore ,  Sangeeta Varma Martinez ,  Robert Marshall Voyles, III ,  Ryan M. Furey ,  Erin Marie McCullen ,  Ankana Datta ,  Kyle Corkery

IPC: G06F21/31

CPC classification number: G06F21/31 ,  G06F2221/2115 ,  G06F2221/2117

Abstract: Methods for authenticating, verifying and digitally onboarding prospective account holders using an artificially-intelligent, dynamic, rules-based system are provided. Methods may include receiving digital requests for digital account onboarding. Methods include processing the digital requests at a rules engine. Methods may include generating an authentication and verification score for each digital request. Methods may include initiating one or more authentication and verification systems to authenticate and/or verify a prospective account holder associated with each digital request. Methods may include identifying an authentication and verification score for each digital request based the results of the authentication and verification systems. Methods may include creating accounts for account holders that are authenticatable and verifiable by the authentication and verification systems. Methods may include denying digital account onboarding for account holders that are not authenticatable and verifiable by the authentication and verification systems.