International Business Machines Corporation

Chethan Kumar N Settipalli

Girish Dhanakshirur

Ajay Chebbi

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.

Mobile based multi-channel citizen account origination in digital economy

Gathering and verifying customer information via SMS and in-person representatives. Customer account information is received, wherein the customer account information is given to a business correspondent by a customer. A verification of the customer account information is received, wherein the verification is performed by the business correspondent. A hash is generated with the customer account information. The hash is sent to a data center. An account number is received from the data center. An enrollment PIN is received, wherein the enrollment PIN is sent from the data center to the customer, the customer gives the enrollment PIN to the business correspondent, and the business correspondent enters the enrollment PIN into the business correspondent app, and wherein the enrollment PIN is linked to the account number. The data center is synced after receiving the enrollment PIN.

A method for gathering and verifying customer information via SMS and in-person representatives are provided. The method may include a business correspondent receiving and verifying customer information in-person; sending the customer information to a data center, via a business correspondent application (BC app), to create a customer account; sending the account information to the customer and the BC app; verifying the account information with the customer; and syncing the BC app with the data center.

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Bengaluru, India

Chethan Kumar N Settipalli