Abstract: A method of fulfilling a transaction between a bank and a customer of the bank makes available a form used in a banking transaction to a customer digital device. The form has a plurality of fields. The method scans, within a physical bank branch, an encoded visual display on the client digital device. The encoded visual display has an encoded version of the form and some but not all of the plurality of fields completed with client data. The method further decodes the encoded visual display using a decoding algorithm to produce the form and completed and uncompleted fields. At least one datum may be added, within the physical bank branch, to at least one uncompleted field of the form, and the banking transaction may be processed based on the form with the at least one client datum within the at least one field of the form.

Abstract: A method of fulfilling a transaction between a bank and a customer of the bank makes available a form used in a banking transaction to a customer digital device. The form has a plurality of fields. The method scans, within a physical bank branch, an encoded visual display on the client digital device. The encoded visual display has an encoded version of the form and some but not all of the plurality of fields completed with client data. The method further decodes the encoded visual display using a decoding algorithm to produce the form and completed and uncompleted fields. At least one datum may be added, within the physical bank branch, to at least one uncompleted field of the form, and the banking transaction may be processed based on the form with the at least one client datum within the at least one field of the form.