# US 10,373,148 B1 · Proactive bank transaction staging methods and systems > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,373,148 B1 - Document ID: US10373148B1 - Status: Granted - Kind: B1 - Application number: 14/201,736 - Filed: 2014-03-07 - Granted: 2019-08-06 - Earliest claimed: 2011-11-09 - Assignees: United Services Automobile Association (USAA) - Applicants: United Services Automobile Association (USAA) - Inventors: David Patrick Dixon; John Hope; John Loflin; Ogechi Namme; Andre Rene Buentello; Bradly Jay Billman; Sharon Kay Haverlah; Ross Andrew Thiele; Gunjan Vijayvergia; Michael Joseph Gaeta - Web page: https://patentgrep.com/patent/US10373148B1 ## CPC - G06Q 20/22: Payment schemes or models - G06Q 20/3223: {Realising banking transactions through M-devices} - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06Q 20/3276: {using a pictured code, e.g. barcode or QR-code, being read by the M-device} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract Various embodiments of the present disclosure generally relate transacting in advance. More specifically, various embodiments relate to detecting a mobile computing device of a user within a proximity of a banking location; receiving, via the mobile application, an indication of a type of transaction to be conducted; and directing, via the mobile application, the user to an area of the banking location based on the type of transaction to complete the transaction. ## Claims ### Claim 1 A method comprising: generating, by a mobile computing device, a unique identifier that identifies a transaction, the mobile computing device that staged the transaction, and user preferences; detecting, by a detector, the mobile computing device associated with a user within a proximity of a physical banking location, wherein the mobile computing device is running a mobile application, wherein detecting, by the detector, the mobile computing device comprises scanning, by a scanner, the unique identifier from the mobile computing device, and wherein scanning, by the scanner, the unique identifier identifies the transaction, the mobile computing device, and the user preferences; determining, via the mobile application, a type of the transaction to be conducted; and directing, via the mobile application, the user to a teller within the physical banking location based on the type of the transaction to complete the transaction and the user preferences. ### Claim 2 (depends on 1) The method of claim 1, further comprising determining whether the user has pre-staged one or more transactions. ### Claim 3 (depends on 2) The method of claim 2, wherein when the user has pre-staged the one or more transactions, the method further comprises placing the one or more transactions into a queue. ### Claim 4 (depends on 3) The method of claim 3, further comprising: in response to detecting, by the detector, the mobile computing device, requesting the user to provide authentication information into the mobile application on the mobile computing device; and authenticating the user to the mobile application using the authentication information, wherein placing the one or more transactions into the queue occurs upon authentication. ### Claim 5 (depends on 1) The method of claim 1, further comprising inviting the user to pre-stage one or more transactions while the user is within the physical banking location via the mobile application. ### Claim 6 (depends on 1) The method of claim 1, wherein determining, via the mobile application, the type of the transaction includes: detecting that the user has pre-staged one or more transactions; and analyzing the one or more pre-staged transactions to determine a type of the one or more transactions. ### Claim 7 (depends on 1) The method of claim 1, wherein the teller is one of the following: a kiosk, a window teller, or an automated teller machine. ### Claim 8 (depends on 1) The method of claim 1, wherein the unique identifier is a quick response code generated by the mobile computing device. ### Claim 9 (depends on 1) The method of claim 1, wherein the unique identifier is a quick response code identifying the user, the transaction, and the user preferences; and wherein detecting, by the detector, the mobile computing device includes scanning the quick response code displayed on the mobile computing device. ### Claim 10 (depends on 1) The method of claim 1, wherein the mobile computing device is detected using geofencing or network proximity techniques. ### Claim 11 (depends on 1) The method of claim 1, further comprising: surveying the physical banking location using video cameras or weight sensors; and determining estimated wait times for each of the tellers. ### Claim 12 (depends on 1) The method of claim 1, further comprising automatically populating a screen of the teller with details of the transaction. ### Claim 13 A method comprising: generating, by a mobile computing device associated with a user, a unique identifier that identifies a pre-staged transaction, the mobile computing device that staged the pre-staged transaction, a type of the pre-staged transaction, and user preferences; detecting, through the transacting in advance system, the mobile computing device associated with the user within a proximity of a banking location where the user can complete the pre-staged transaction, wherein detecting, through the transacting in advance system, the mobile computing device comprises scanning, by a scanner, a unique identifier displayed on the mobile computing device, wherein scanning, by the scanner, the unique identifier identifies the pre-staged transaction, the mobile computing device that staged the pre-staged transaction, and user preferences; and determining the type of transaction to be conducted based on the information in the unique identifier; and directing, via the mobile computing device, the user to a teller within the banking location to complete the pre-staged transaction based on the type of the pre-staged transaction and the user preferences. ### Claim 14 (depends on 13) The method of claim 13, further comprising automatically populating a screen of the teller with details of the pre-staged transaction. ### Claim 15 (depends on 13) The method of claim 13, further comprising requesting, via the mobile computing device, authentication credentials from the user. ### Claim 16 (depends on 13) The method of claim 13, wherein the unique identifier is a quick response code. ### Claim 17 A system comprising: a detector operable to detect a mobile computing device of a user within a proximity of a banking location, wherein the detector comprises a scanner operable to scan a unique identifier from the mobile computing device, and wherein the unique identifier identifies a transaction, the mobile computing device that staged the transaction, and user preferences; and a server communicably coupled to the detector, wherein the server is operable to: process the unique identifier to identify the mobile computing device, the transaction, and the user preferences, identify the user based on an identity of the mobile computing device detected by the detector, determine a type of the transaction based on the transaction identified in the unique identifier, and direct the user to a teller within the banking location based at least in part on the type of the transaction and the user preferences. ### Claim 18 (depends on 17) The system of claim 17, wherein the transaction is a pre-staged transaction, wherein the unique identifier is a quick response code or a bar code. ### Claim 19 (depends on 18) The system of claim 18, further comprising: a computing device of a representative operable to receive and display information from the pre-staged transaction.