# US 2014/0156525 A1 · Secure proximate location banking > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0156525 A1 - Document ID: US20140156525A1 - Status: Published application - Kind: A1 - Application number: 13/691,197 - 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; Matthew A. Calman; Carrie Anne Hanson - Web page: https://patentgrep.com/patent/US20140156525A1 ## CPC - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - 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 A system provides assistance to a user having a user device proximate a financial institution location. The system determines a user device is within a wireless communication range of the system; establishes a secure connection between the system and the user device; receives user input comprising information indicating a user purpose for visiting the location; and transmits at least one communication based at least in part on the received user purpose for visiting the location. In some embodiments, the system receives user authentication information; authenticates the identity of the user; provides the user access to transactional functionality; receives user information indicating a type of transaction and transaction details; processes the user information to conduct a transaction based at least in part on the type of transaction and the transaction details received from the user; and communicates a message indicating the transaction has been processed to the user. ## Claims ### Claim 1 A system for providing assistance to a user having a user device proximate 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: determine the user device is within a wireless communication range of the system; establish a secure connection between the system and the user device; receive, from the user device and over the secure connection, user input comprising information indicating a user purpose for visiting the location; and transmit, to the user device and over the secure connection, at least one communication based at least in part on the received user purpose for visiting the location. ### Claim 2 (depends on 1) The system of claim 1, wherein the processing device executes the computer executable code to further cause the processing device to: receive user authentication information; authenticate the identity of the user; and provide the user access to transactional functionality. ### Claim 3 (depends on 2) The system of claim 2, wherein the processing device executes the computer executable code to further cause the processing device to: receive user information indicating a type of transaction and transaction details; process the user information to conduct a transaction based at least in part on the type of transaction and the transaction details received from the user; and communicate a message indicating the transaction has been processed to the user. ### Claim 4 (depends on 3) The system of claim 3, wherein the processing device executes the computer executable code to further cause the processing device to: communicate a message requesting the user to physically approach a station of the location for completion of the transaction. ### Claim 5 (depends on 4) The system of claim 4, wherein the processing device executes the computer executable code to further cause the processing device to: present transaction processing information based on the processed transaction to a financial institution associate proximate the station of the location so that the associate may interact with the user regarding the transaction when the user approaches the station. ### Claim 6 (depends on 4) The system of claim 4, wherein the processing device executes the computer executable code to further cause the processing device to: communicate transaction information to an interface of the station so that the interface may interact with the user regarding the transaction when the user approaches the station. ### Claim 7 (depends on 1) The system of claim 1, wherein the user device comprises a tablet computer, a smartphone, a personal digital assistant, or an electronic system attached to a vehicle and wherein the wireless communication range of the system encompasses a drive through location of the financial institution location or a parking lot of the financial institution location. ### Claim 8 A computer program product configured for providing assistance to a user having a user device proximate 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: determine the user device is within a wireless communication range of the system; establish a secure connection between the system and the user device; receive, from the user device and over the secure connection, user input comprising information indicating a user purpose for visiting the location; and transmit, to the user device and over the secure connection, at least one communication based at least in part on the received user purpose for visiting the location. ### Claim 9 (depends on 8) The computer program product of claim 8, wherein the computer-executable instructions further cause the processing device to: receive user authentication information; authenticate the identity of the user; and provide the user access to transactional functionality. ### Claim 10 (depends on 9) The computer program product of claim 9, wherein the computer-executable instructions further cause the processing device to: receive user information indicating a type of transaction and transaction details; process the user information to conduct a transaction based at least in part on the type of transaction and the transaction details received from the user; and communicate a message indicating the transaction has been processed to the user. ### Claim 11 (depends on 10) The computer program product of claim 10, wherein the computer-executable instructions further cause the processing device to: communicate a message requesting the user to physically approach a station of the location for completion of the transaction. ### Claim 12 (depends on 11) The computer program product of claim 11, wherein the computer-executable instructions further cause the processing device to: present transaction processing information based on the processed transaction to a financial institution associate proximate the station of the location so that the associate may interact with the user regarding the transaction when the user approaches the station. ### Claim 13 (depends on 11) The computer program product of claim 11, wherein the computer-executable instructions further cause the processing device to: communicate transaction information to an interface of the station so that the interface may interact with the user regarding the transaction when the user approaches the station. ### Claim 14 (depends on 8) The computer program product of claim 8, wherein the user device comprises a tablet computer, a smartphone, a personal digital assistant, or an electronic system attached to a vehicle and wherein the wireless communication range of the system encompasses a drive through location of the financial institution location or a parking lot of the financial institution location. ### Claim 15 A computer-implemented method for providing assistance to a user having a user device proximate a financial institution location, the method comprising: using a computer processor operating computer program code instructions stored in a non-transitory computer readable medium, wherein said computer program code instructions cause said computer processor to: determine the user device is within a wireless communication range of the system; establish a secure connection between the system and the user device; receive, from the user device and over the secure connection, user input comprising information indicating a user purpose for visiting the location; and transmit, to the user device and over the secure connection, at least one communication based at least in part on the received user purpose for visiting the location. ### Claim 16 (depends on 15) The computer-implemented method of claim 15, wherein said computer program code instructions further cause said computer processor to: receive user authentication information; authenticate the identity of the user; and provide the user access to transactional functionality. ### Claim 17 (depends on 16) The computer-implemented method of claim 16, wherein said computer program code instructions further cause said computer processor to: receive user information indicating a type of transaction and transaction details; process the user information to conduct a transaction based at least in part on the type of transaction and the transaction details received from the user; and communicate a message indicating the transaction has been processed to the user. ### Claim 18 (depends on 17) The computer-implemented method of claim 17, wherein said computer program code instructions further cause said computer processor to: communicate a message requesting the user to physically approach a station of the location for completion of the transaction. ### Claim 19 (depends on 18) The computer-implemented method of claim 18, wherein said computer program code instructions further cause said computer processor to: present transaction processing information based on the processed transaction to a financial institution associate proximate the station of the location so that the associate may interact with the user regarding the transaction when the user approaches the station. ### Claim 20 (depends on 18) The computer-implemented method of claim 18, wherein said computer program code instructions further cause said computer processor to: communicate transaction information to an interface of the station so that the interface may interact with the user regarding the transaction when the user approaches the station. ### Claim 21 (depends on 15) The computer-implemented method of claim 15, wherein the user device comprises a tablet computer, a smartphone, a personal digital assistant, or an electronic system attached to a vehicle and wherein the wireless communication range of the system encompasses a drive through location of the financial institution location or a parking lot of the financial institution location.