US Patent 12074878 Account provisioning manager

An account provisioning manager is disclosed. A placeholder account is generated with a primary work set attribute and a plurality of enhanced work set attributes. Initially, the primary work set attribute is populated with data to convert the placeholder account into an onboarded operating account. Subsequently, the plurality of enhanced work set attributes are populated via data propagation into the onboarded operating account, wherein an enhanced work set attribute of the plurality of enhanced work set attributes is selectively populated in response to a trigger for the onboarded operating account.