Automated Digital Enrollment via QR Code Scanning

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Solution Overview

Problem

The process of enabling digital banking on a mobile device is often frustrating, error-prone, and time-consuming, requiring users to input various information, download and set up a mobile application, and link their bank accounts, which can lead to user mistakes and inefficiencies.

Innovation Solution

A computer-implemented system and method that enables automated digital account enrollment, where an analytic server automatically opens a new account, installs, launches, and logs into a mobile application on a user's device without requiring user input, using a QR code scanning process to facilitate automatic enrollment and data access.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If users manually input information and set up mobile application accounts, then users can access digital banking services, but the process becomes time-consuming and error-prone

Engineering Contradiction:

Improveaccuracy of user information inputVSAvoidtime required for enrollment process

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary actions by automatically populating user information fields during enrollment based on data already stored in the bank's system, eliminating the need for users to manually re-enter information. This preliminary preparation of data reduces both time consumption and potential for errors.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system enables self-service by automatically retrieving and filling user information from existing bank records, allowing the enrollment process to serve itself rather than requiring manual user input for each field. This self-populating mechanism improves accuracy while reducing time requirements.

Inventive Principle:

Principle #25Self-service

2Ease of operation

If users download and set up mobile applications manually, then users can access digital banking, but the process becomes complex and frustrating

Engineering Contradiction:

Improvesimplicity of enrollment processVSAvoidnumber of steps in setup process

Core Design Contradiction:

Ease of operationVSDevice complexity

Solution Approach 1:

The system merges multiple separate steps (account creation, application download, login setup) into a single automated enrollment process. By combining these operations and executing them automatically through the mobile device's communication with the server, the system reduces perceived complexity while maintaining functionality.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The mobile application serves as an intermediary that automatically handles the complex setup processes between the user and the bank's systems. The application performs automated account creation, information retrieval, and configuration without requiring users to navigate complex menus or understand technical procedures.

Inventive Principle:

Principle #24Intermediary (Mediator)

3Reliability

If users link bank accounts by inputting account numbers, then accounts can be connected to digital banking, but users may make mistakes and get locked out

Engineering Contradiction:

Improveaccuracy of account linkingVSAvoiduser confidence during enrollment

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The system uses self-service by automatically retrieving account information from the bank's existing records and pre-filling the linking fields. This eliminates manual account number entry and reduces errors while maintaining ease of operation through automated assistance.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system provides feedback by displaying pre-retrieved account information to users for verification before finalizing the linking. This feedback mechanism allows users to confirm accuracy without manual entry, reducing errors while maintaining confidence and ease of operation.

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS20250077209A1Systems and methods for automated digital enrollment

Publication Date: 2025.03.06 BANK OF MONTREAL

AI summary

Disclosed herein are embodiments of systems, methods, and products comprising an analytic server for automated digital account/application enrollment. The analytic server may open a new account for a user during a registration process. The analytic server may facilitate automated digital enrollment to allow the user to manage the new account in a mobile application on the user's mobile device. The analytic server may send a text message comprising a direct link to the user's mobile device. The link may direct the user to the app store, where the user can download and install the mobile application automatically. The analytic server may also display a button that allows the user to activate a QR code and scan the QR code using the camera of the user's mobile device. Upon the mobile device scanning the QR code, the analytic server may automatically launch the mobile application and sign the user in.