# US 12,008,596 B1 · Banking interface

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 12,008,596 B1
- Document ID: US12008596B1
- Status: Granted
- Kind: B1
- Application number: 16/741,374
- Filed: 2020-01-13
- Granted: 2024-06-11
- Earliest claimed: 2013-11-14
- Assignees: Wells Fargo Bank, N.A.
- Applicants: Wells Fargo Bank, N.A.
- Inventors: Stephen M. Ellis; Bipin Sahni; David Hatch; Shahid Razzaq
- Web page: https://patentgrep.com/patent/US12008596B1

## CPC

- G06Q 30/0241: Advertisements
- G06Q 30/0269: {based on user profile or attribute}
- G07F 9/001: {Interfacing with vending machines using mobile or wearable devices}
- G07F 19/20: {Automatic teller machines [ATMs]}
- G07F 19/206: {Software aspects at ATMs}
- 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
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})

## Abstract

One or more embodiments of techniques or systems for intelligent data presentation are provided herein. Data can be presented on similar devices having different characteristics in different manners. For example, data may be rendered in a first manner on a first device having one monitor, the same data may be rendered in a second manner on a second device having two displays or a different display size. Financial information, sales data, banking information, etc. may be presented in a variety of ways based on capabilities or properties of a device accessing the information or data. Similarly, renderings may be selected based on interaction capabilities or interaction options a user may have with different renderings or presentations. In other embodiments, user interaction with an automated teller machine (ATM), call center, vehicle, or other interface can be based on device properties or device capabilities.

## Claims

### Claim 1

A system for providing a banking interface, comprising:
one or more processors configured to execute computer executable instructions stored in a memory, the one or more processors configured to:
determine one or more device properties of a device of a vehicle that the banking interface will be rendered upon;
validate an identity of a user of the device;
retrieve information associated with the identity of the user, wherein the information associated with the identity of the user includes a data set comprising bank account information, first device information of the device, and second device information of a second device associated with the user;
determine data types and data characteristics of the information associated with the identity of the user to infer a context for the rendering of the banking interface, the context inferred further based on a location of the device and an operational state of the vehicle indicating whether the vehicle is in motion;
select a security mode for the device, wherein a high security mode is selected upon the device detecting multiple people proximate to the device, and a low security mode is selected upon the device detecting that a single person is proximate to the device;
generate a data set summary indicative of one or more properties of the data set associated with the identity of the user, the one or more properties indicative of a how different fields of the data set are to be displayed;
create a plurality of visualizations that display the data set based on the data set summary and constrained by the security mode and the operational state of the vehicle indicated in the context, wherein the plurality of visualizations provides an additional data characteristic for the data set;
score and rank the plurality of visualizations, wherein the scoring is based at least upon the retrieved information and the operational state of the vehicle indicated in the context; and
selectively provide, based on the ranking of the plurality of visualizations a subset of the plurality of visualizations to compose the rendering of the banking interface in a layout determined based on a respective score of each visualization of the subset.

### Claim 2 (depends on 1)

The system of claim 1, wherein the data characteristics comprise device capabilities.

### Claim 3 (depends on 2)

The system of claim 2, wherein the device capabilities comprise hardware peripherals and software functionality.

### Claim 4 (depends on 1)

The system of claim 1, wherein the inferring the context further comprises at least one of device activity, and associated business activity of the user.

### Claim 5 (depends on 1)

The system of claim 1, wherein the additional data characteristic comprises one or more of a metadata identifier, an activated presentation capability, and a presentation property.

### Claim 6 (depends on 5)

The system of claim 5, wherein the presentation property is a measure of an effectiveness in visualizing one or more datasets.

### Claim 7 (depends on 1)

The system of claim 1, wherein the one or more processors are further configured to generate a presentation capability summary and a presentation property summary.

### Claim 8 (depends on 1)

The system of claim 1, wherein the banking interface receives a user interaction, and the one or more processors are further configured to augment the context based on at least the user interaction.

### Claim 9

A system for providing a banking interface, comprising:
a plurality of at least two distributed processors configured to execute computer-executable instructions stored in a memory, the plurality of at least two distributed processors configured to:
determine one or more device properties of a device of a vehicle that the banking interface will be rendered upon;
validate an identity of a user of the device;
retrieve information associated with the identity of the user; wherein the information associated with the identity of the user includes a data set comprising bank account information, first device information of the device, and second device information of a second device associated with the user;
determine data types and data characteristics of the information associated with the identity of the user to infer a context for the rendering of the banking interface, the context inferred based at least on a location of the device and an operational state of the vehicle indicating whether the vehicle is in motion;
select a security mode for the device, wherein a high security mode is selected upon the device detecting multiple people proximate to the device, and a low security mode is selected upon the device detecting that a single person is proximate to the device;
generate a data set summary indicative of one or more properties of the data set associated with the identity of the user, the one or more properties indicative of a how different fields of the data set are to be displayed;
create a plurality of visualizations that display the data set based on the data set summary and constrained by the security mode and the operational state of the vehicle indicated in the context, wherein the plurality of visualizations provides an additional data characteristic for the data set;
score and rank the plurality of visualizations, wherein the scoring is based at least upon the retrieved information and the operational state of the vehicle indicated in the context; and
selectively provide, based on the ranking of the plurality of visualizations a subset of the plurality of visualizations to compose the rendering of the banking interface in a layout determined based on a respective score of each visualization of the subset.

### Claim 10 (depends on 9)

The system of claim 9, wherein the plurality of at least two distributed processors is further configured to determine a distribution of system processing based at least on the retrieved information.

### Claim 11 (depends on 9)

The system of claim 9, wherein the data characteristics comprise device capabilities.

### Claim 12 (depends on 11)

The system of claim 11, wherein the device capabilities comprise hardware peripherals and software functionality.

### Claim 13 (depends on 9)

The system of claim 9, wherein the inferring the context further comprises at least one of, device activity, and associated business activity of the user.

### Claim 14 (depends on 9)

The system of claim 9, wherein the additional data characteristic comprises one or more of a metadata identifier, an activated presentation capability, and a presentation property.

### Claim 15 (depends on 14)

The system of claim 14, wherein the presentation property is a measure of an effectiveness in visualizing one or more datasets.

### Claim 16 (depends on 9)

The system of claim 9, wherein the plurality of at least two distributed processors is further configured to generate a presentation capability summary and a presentation property summary.

### Claim 17 (depends on 9)

The system of claim 9, wherein the banking interface receives a user interaction, and the plurality of at least two distributed processors is further configured to augment the context based on at least the user interaction.

### Claim 18

A method of providing a banking interface, comprising:
determining, by one or more processors coupled to memory, one or more device properties of a device of a vehicle that the banking interface will be rendered upon;
validating, by the one or more processors, an identity of a user of the device;
retrieving, by the one or more processors, information associated with the identity of the user wherein the information associated with the identity of the user includes a data set comprising bank account information, first device information of the device, and second device information of a second device associated with the user;
determining, by the one or more processors, data types and data characteristics of the information to infer a context for the rendering of the banking interface, the context inferred based at least on a location of the device and an operational state of the vehicle indicating whether the vehicle is in motion;
selecting, by the one or more processors, a security mode for the device, wherein a high security mode is selected upon the device detecting multiple people proximate to the device, and a low security mode is selected upon the device detecting that a single person is proximate to the device;
generating, by the one or more processors, a data set summary indicative of one or more properties of the data set associated with the identity of the user, the one or more properties indicative of a how different fields of the data set are to be displayed;
creating, by the one or more processors, a plurality of visualizations that display the data set based on the data set summary and constrained by the security mode and the operational state of the vehicle indicated in the context, wherein the plurality of visualizations provides an additional data characteristic;
scoring, by the one or more processors, the plurality of visualizations based at least upon the retrieved information and the operational state of the vehicle indicated in the context;
ranking, by the one or more processors, the plurality of visualizations; and
selectively providing, by the one or more processors, based on a rank of the plurality of visualizations, a subset of the plurality of visualizations that compose the rendering of the banking interface in a layout determined based on a respective score of each visualization of the subset.

### Claim 19 (depends on 18)

The method of claim 18, further comprising
receiving, by the one or more processors, a user interaction, via the banking interface; and
augmenting, by the one or more processors, the context based on at least the user interaction to generate an augmented context.

### Claim 20 (depends on 19)

The method of claim 19, further comprising providing, by the one or more processors, a message to the user, in the selectively provided set of plurality of visualizations, that a more effective presentation would be available if a prescribed capability were added to the device, based on at least the augmented context.