# US 2014/0156328 A1 · Transaction queuing > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0156328 A1 - Document ID: US20140156328A1 - Status: Published application - Kind: A1 - Application number: 13/691,136 - Filed: 2012-11-30 - Published: 2014-06-05 - Earliest claimed: 2012-11-30 - Assignees: Bank of America Corporation - Applicants: Bank of America Corporation - Inventors: David M. Grigg; Carlos Vieira; Susan Smith Thomas - Web page: https://patentgrep.com/patent/US20140156328A1 ## CPC - G06Q 10/1097: {using calendar-based scheduling for task assignment} - G06F 16/9562: {Bookmark management} - G06Q 10/063114: {Status monitoring or status determination for a person or group} - G06Q 20/3221: {Access to banking information through M-devices} - G06Q 20/3223: {Realising banking transactions through M-devices} - G06Q 30/016: After-sales - G06Q 30/06: Buying, selling or leasing transactions - G06Q 30/0635: {replenishment orders; recurring orders} - G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes - 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 - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) ## Abstract Embodiments of the invention are directed to systems, methods and computer program products for transaction queuing. In some embodiments, a system is configured to: receive information associated with an intended transaction, wherein a user will execute the intended transaction at a facility at a user-defined time; determine preliminary work associated with the intended transaction that can be performed prior to the user-defined time; and perform the preliminary work associated with the intended transaction. The preliminary work is placed on a transaction queue until the user arrives at the facility. ## Claims ### Claim 1 An apparatus for performing preliminary work associated with a transaction, the apparatus comprising: a memory; a processor; and a module stored in the memory, executable by the processor, and configured to: receive information associated with an intended transaction, wherein a user will execute the intended transaction at a facility at a user-defined time; determine preliminary work associated with the intended transaction that can be performed prior to the user-defined time; perform the preliminary work associated with the intended transaction, the preliminary work being performed based on information associated with the user or the user's account; and transmit a message to the user. ### Claim 2 (depends on 1) The apparatus of claim 1, wherein the determining comprises the module being configured to: determine, based on a type of the intended transaction, whether the preliminary work can be performed on the intended transaction prior to the user-defined time; in response to determining the preliminary work can be performed on the intended transaction prior to the user-defined time, determine an amount of the preliminary work. ### Claim 3 (depends on 1) The apparatus of claim 1, wherein the facility is at least one of specified by the user or determined by the module based on one or more user-defined location preferences. ### Claim 4 (depends on 1) The apparatus of claim 1, wherein the module is further configured to place the preliminary work on a transaction queue, and extract the preliminary work from the queue upon determining arrival of the user at the facility or upon determining the user is approaching an agent at the facility. ### Claim 5 (depends on 1) The apparatus of claim 1, wherein the preliminary work is performed at the facility or at a remote location away from the facility. ### Claim 6 (depends on 1) The apparatus of claim 1, wherein the message is transmitted to the user's mobile device, and wherein the message is transmitted via at least one of email, text message, social network message, or financial institution network message. ### Claim 7 (depends on 1) The apparatus of claim 1, wherein the message indicates acknowledgment of the intended transaction. ### Claim 8 (depends on 1) The apparatus of claim 1, wherein the message at least one of indicates a description of preliminary work that can be performed on the intended transaction, indicates a description of preliminary work that has been performed on the intended transaction, or seeks permission from the user to perform the preliminary work. ### Claim 9 (depends on 1) The apparatus of claim 1, wherein the user specifies an identity of an agent associated with the facility, wherein the user desires to execute the intended transaction at the facility with the assistance of the identified agent. ### Claim 10 (depends on 1) The apparatus of claim 1, wherein the message indicates at least one of a recommended arrival time or recommended arrival location. ### Claim 11 (depends on 10) The apparatus of claim 10, wherein the at least one of the recommended arrival time or recommended arrival location is based at least partially on at least one of an amount and type of the preliminary work, a number of other users being serviced at the facility or waiting to be serviced at the facility, or a number of other pending transactions for which preliminary work needs to be performed. ### Claim 12 (depends on 1) The apparatus of claim 1, wherein the message indicates an identity of an agent at the facility who will assist the user with executing the intended transaction. ### Claim 13 (depends on 1) The apparatus of claim 1, wherein the message advises the user to perform the intended transaction on the user's mobile device, wherein the message includes a link to instructions associated with performing the intended transaction on the user's mobile device. ### Claim 14 (depends on 1) The apparatus of claim 1, wherein the information associated with the intended transaction is received via the user's account, or wherein the information associated with the intended transaction is received via at least one of email, text message, social networking message, or financial institution networking message, and wherein the module is configured to identify the user based on verifying a sender of the information. ### Claim 15 (depends on 1) The apparatus of claim 1, wherein the facility is associated with an entity, wherein the user's account is managed by the entity, wherein the entity comprises a financial institution or a merchant. ### Claim 16 (depends on 1) The apparatus of claim 1, wherein the information associated with the user comprises at least one of identification information, contact information, or relationship information associated with the user, wherein the relationship information comprises correspondence information between the user and an entity managing the user's account, wherein the information associated with the user's account comprises a list of transactions associated with the user's account, the list of transactions comprising at least one of a last transaction executed by the user, a transaction most frequently executed by the user during a predetermined period, a transaction most frequently executed by users who visit the facility, or a transaction most frequently executed by users who visit the facility with a similar user profile as the user. ### Claim 17 (depends on 1) The apparatus of claim 1, wherein the user will arrive at the facility via a drive-through lane associated with the facility. ### Claim 18 (depends on 6) The apparatus of claim 6, wherein the mobile device comprises or is part of a motor vehicle. ### Claim 19 A method for performing preliminary work associated with a transaction, the method comprising: receiving information associated with an intended transaction, wherein a user will execute the intended transaction at a facility at a user-defined time; determining preliminary work associated with the intended transaction that can be performed prior to the user-defined time; performing the preliminary work associated with the intended transaction, the preliminary work being performed based on information associated with the user or the user's account; and transmitting a message to the user. ### Claim 20 A computer program product for performing preliminary work associated with a transaction, the computer program product comprising: a non-transitory computer-readable medium comprising a set of codes for causing a computer to: receive information associated with an intended transaction, wherein a user will execute the intended transaction at a facility at a user-defined time; determine preliminary work associated with the intended transaction that can be performed prior to the user-defined time; perform the preliminary work associated with the intended transaction, the preliminary work being performed based on information associated with the user or the user's account; and transmit a message to the user.