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US 10,853,775 B1Granted
Computing systems for proximity-based fees
AssigneeWells Fargo Bank, N.A.
InventorChris Kalaboukis
Life of this patent
Estimating the term…
Abstract
In an example, a method includes determining, by a computing device, a proximity of a user to a point of interest. The method also includes determining, by the computing device, a fee to the user based on the proximity of the user to the point of interest, where the fee varies based on the proximity of the user to the point of interest. The method also includes initiating, by the computing device, an electronic transaction based on the fee.
Claims16
A computer-implemented method comprising:
- monitoring, by a computing device communicatively coupled to a plurality of wireless beacons positioned around an environment, a distance of a user device within the environment to a point of interest at two or more points in time within the environment based on a triangulation of signal data received from the user device by the wireless beacons and a location of the point of interest;
- monitoring, by the computing device, an angle of a head or eyes of a user of the user device with respect to the point of interest based on position sensor data specifying an orientation of the head of the user received from the user device;
- determining, by the computing device, first characteristics of the user device comprising a first distance of the user device to the point of interest, a first angle of the head or eyes of the user, and a first duration of time that the first distance is maintained while the user is viewing the point of interest;
- determining, by the computing device, second characteristics of the user device comprising a second distance of the user device to the point of interest, different than the first distance, a second angle of the head or eyes of the user, and a second duration of time that the second distance is maintained while the user is viewing the point of interest;
- determining, by the computing device, an accumulated fee including a first fee based on the first characteristics and a second fee based on the second characteristics, the second fee being different than the first fee;
- and
- initiating, by the computing device, an electronic transaction to settle the accumulated fee.
4 more elements
A system comprising:
- a memory configured to store a user profile for a user;
- and
- one or more processors configured to:
- monitor a distance of a user device within an environment to a point of interest within the environment based on a triangulation of signal data received from the user device by wireless beacons positioned around the environment and a location of the point of interest at two or more points in time;
- determine an angle of a head or eyes of a user of the user device with respect to the point of interest based on position sensor data specifying an orientation of a head received from the user device;
- determine first characteristics comprising a first distance of the user device to the point of interest, a first angle of the head or eyes of the user, and a first duration of time that the first distance is maintained while the user is viewing the point of interest;
- determine second characteristics comprising a second distance of the user device to the point of interest, different than the first distance, a second angle of the head or eyes of the user, and a second duration of time that the second distance is maintained while the user is viewing the point of interest;
- determine an accumulated fee including a first fee based on the first characteristics and a second fee based on the second characteristics, the second fee being different than the first fee;
- and
- initiate an electronic transaction to settle the accumulated fee and according to the user profile.
7 more elements
A non-transitory computer-readable medium having instructions stored thereon that, when executed, cause one or more processors to:
- monitor a distance of a user device within an environment to a point of interest within the environment based on a triangulation of signal data received from the user device by wireless beacons positioned around the environment and a location of the point of interest at two or more points in time;
- determine an angle of a head or eyes of a user of the user device with respect to the point of interest based on position sensor data specifying an orientation of the head received from the user device;
- determine first characteristics comprising a first distance of the user device to the point of interest, a first angle of the head or eyes of the user, and a first duration of time that the first distance is maintained while the user is viewing the point of interest;
- determine second characteristics comprising a second distance of the user device to the point of interest, different than the first distance, a second angle of the head or eyes of the user, and a second duration of time that the second distance is maintained while the user is viewing the point of interest;
- determine an accumulated fee including a first fee based on the first characteristics and a second fee based on the second characteristics, the second fee being different than the first fee;
- and
- initiate an electronic transaction to settle the accumulated fee and according to the user profile.
4 more elements
Dependencies are inferred from the claim text.