US 2014/0156507 A1Published application

Location based banking

AssigneeBank of America Corporation

InventorsCarrie Anne Hanson, Marc Lance Warshawsky, Peter John Bertanzetti

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Abstract

A system provides assistance to a user having a user device proximate a financial institution location by receiving a communication initiated by an application running on the user device without initiation by the user; establishing a connection with the user device; determining an identity of the user; determining a user purpose for visiting the location; and communicating instructions to the application running on the user device, the instructions to cause the user device to navigate to a page of a website of the financial institution corresponding to the determined user purpose for visiting the location. In some embodiments, the identity of the user is determined by determining whether a received PIN matches a stored PIN associated with a device ID received from the user device.

Claims21

Dependent claims

A system for providing assistance to a user having a user device traveling to a financial institution location, the system comprising:

a memory device storing computer executable code;
a processing device to execute the computer executable code to cause the processing device to:
run an application in a background of the user device to determine that the customer is traveling to a financial institution location, wherein determining comprises:
determining positioning data associated with a mobile device of the customer;
determining a direction of travel of the customer based at least in part on the positioning data;
and
determining that the direction of travel of the customer includes the financial institution location;
receive a communication initiated by the application running on the user device without initiation by the user;
establish a connection with the user device;
determine an identity of the user;
in response to determining that the customer is traveling to a financial institution location, determine a user purpose for visiting the location, wherein determining the user purpose comprises:
prompting the user to input the user's purpose for visiting the financial institution location by presenting the user with a plurality of options for user selection, wherein the plurality of options comprise a list of the most common reasons a user may visit a financial institution location and an option to indicate that none of the plurality of options matches the user's purpose for visiting, and
in response to the user selecting that none of the plurality of options matches the user's purpose for visiting, prompting the user for specific input regarding the user's purpose for visiting the financial institution location, and
receiving the user's specific input regarding the user's purpose for visiting the financial institution location audibly or textually;
communicate instructions to the application running on the user device, the instructions to cause the user device to navigate to a page of a website of the financial institution corresponding to the determined user purpose for visiting the location;
and
pre-populate an input portion of the page of the website with information corresponding to the user for use in a transaction.

14 more elements

A computer program product configured for providing assistance to a user having a user device traveling to a financial institution location, the computer program product comprising a non-transitory computer readable medium comprising computer-executable instructions stored therein, the computer-executable instructions to cause a processing device to:

run an application in a background of the user device to determine that the customer is traveling to a financial institution location, wherein determining comprises:
determining positioning data associated with a mobile device of the customer;
determining a direction of travel of the customer based at least in part on the positioning data;
and
determining that the direction of travel of the customer includes the financial institution location;
receive a communication initiated by the application running on the user device without initiation by the user;
establish a connection with the user device;
determine an identity of the user;
in response to determining that the customer is traveling to a financial institution location, determine a user purpose for visiting the location, wherein determining the user purpose comprises:
prompting the user to input the user's purpose for visiting the financial institution location by presenting the user with a plurality of options for user selection, wherein the plurality of options comprise a list of the most common reasons a user may visit a financial institution location and an option to indicate that none of the plurality of options matches the user's purpose for visiting,
in response to the user selecting that none of the plurality of options matches the user's purpose for visiting, prompting the user for specific input regarding the user's purpose for visiting the financial institution location, and
receiving the user's specific input regarding the user's purpose for visiting the financial institution location audibly or textually;
communicate instructions to the application running on the user device, the instructions to cause the user device to navigate to a page of a website of the financial institution corresponding to the determined user purpose for visiting the location;
and
pre-populate an input portion of the page of the website with information corresponding to the user for use in a transaction.

12 more elements

A computer-implemented-method for providing assistance to a user having a user device traveling to a financial institution location, the method comprising:

run an application in a background of the user device to determine that the customer is traveling to a financial institution location, wherein determining comprises:
determining positioning data associated with a mobile device of the customer;
determining a direction of travel of the customer based at least in part on the positioning data;
and
determining that the direction of travel of the customer includes the financial institution location;
receiving, using a processor, a communication initiated by the application running on the user device without initiation by the user;
establishing, using a processor, a connection with the user device;
determining, using a processor, an identity of the user;
in response to determining that the customer is traveling to a financial institution location, determining, using a processor, a user purpose for visiting the location, wherein determining the user purpose comprises:
prompting the user to input the user's purpose for visiting the financial institution location by presenting the user with a plurality of options for user selection, wherein the plurality of options comprise a list of the most common reasons a user may visit a financial institution location and an option to indicate that none of the plurality of options matches the user's purpose for visiting,
in response to the user selecting that none of the plurality of options matches the user's purpose for visiting, prompting the user for specific input regarding the user's purpose for visiting the financial institution location, and
receiving the user's specific input regarding the user's purpose for visiting the financial institution location audibly or textually;
communicating, using a processor, instructions to the application running on the user device, the instructions to cause the user device to navigate to a page of a website of the financial institution corresponding to the determined user purpose for visiting the location;
and
pre-populating an input portion of the page of the website with information corresponding to the user for use in a transaction.

12 more elements

Dependencies are inferred from the claim text.