# US 2014/0156537 A1 · Post-transaction service using mobile device

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

- Number: US 2014/0156537 A1
- Document ID: US20140156537A1
- Status: Published application
- Kind: A1
- Application number: 13/691,034
- Filed: 2012-11-30
- Published: 2014-06-05
- Earliest claimed: 2012-11-30
- Assignees: Bank of America Corporation
- Applicants: Bank of America Corporation
- Inventors: Carlos Vieira; David M. Grigg
- Web page: https://patentgrep.com/patent/US20140156537A1

## CPC

- G06Q 30/016: After-sales
- G06Q 20/1085: {involving automatic teller machines [ATMs]}
- G07F 19/201: {Accessories of 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

Embodiments of the invention are directed to systems, methods and computer program products for providing post-transaction service. In some embodiments, a system is configured to: determine a user has exited a facility after performing a transaction at the facility, wherein the user has a mobile device, wherein the user executed the transaction at the facility with assistance of an agent at the facility; and communicate with the mobile device to provide a post-transaction service to the user, the post-transaction service comprising providing a communication channel to establish contact with the agent who assisted the user at the facility. The invention enables provision of a personalized transaction service to the user.

## Claims

### Claim 1

An apparatus for providing post-transaction service, the apparatus comprising:
a memory;
a processor; and
a module stored in the memory, executable by the processor, and configured to:
determine a user has exited a facility after performing a transaction at the facility, wherein the user has a mobile device, wherein the user executed the transaction at the facility with assistance of an agent;
bookmark work completed on the transaction prior to the user exiting the facility;
communicate with the mobile device for identifying the user;
access information associated with the user, the information comprising information associated with the user's account including transactions previously executed by the user at the facility and the bookmarked work;
communicate with the mobile device to provide a post-transaction service associated with the transaction to the user, the post-transaction service comprising providing a communication channel for establishing contact with the agent who assisted the user at the facility, wherein the post-transaction service uses the accessed information;
determine whether the agent is available for assisting the user with the post-transaction service;
in response to determining the agent is not available for assisting the user, inform the user that the agent is unavailable for assisting the user; and
prompt the user whether the user would like assistance from a second available agent.

### Claim 2 (depends on 1)

The apparatus of claim 1, wherein the module is configured to enable access to the communication channel for establishing contact with the agent for executing a second transaction in the future, the second transaction being different from the transaction.

### Claim 3 (depends on 1)

The apparatus of claim 1, wherein the module initiates communication with the mobile device a predetermined duration after the user executes the transaction or exits the facility.

### Claim 4 (depends on 1)

The apparatus of claim 1, wherein the module is further configured to:
determine the user intends to execute a second transaction, the second transaction being different from the transaction;
determine the user accesses the communication channel to contact the agent;
determine whether the agent is available to assist the user; and
in response to determining the agent is available to assist the user, enable the agent to assist the user.

### Claim 5

(canceled)

### Claim 6 (depends on 4)

The apparatus of claim 4, wherein the module enables access of the communication channel via the user's account upon the user authenticating to the user's account.

### Claim 7 (depends on 1)

The apparatus of claim 1, wherein the module is further configured to prompt the user to provide feedback regarding at least one of the transaction or the agent.

### Claim 8 (depends on 1)

The apparatus of claim 1, wherein the module is further configured to prompt the user whether the user wants to execute a future transaction with the assistance of the agent.

### Claim 9

(canceled)

### Claim 10 (depends on 1)

The apparatus of claim 1, wherein the module enables access to the communication channel and establishment of contact with the agent or a different agent in order to continue working on the transaction.

### Claim 11 (depends on 1)

The apparatus of claim 1, wherein the module is configured to communicate with the mobile device for providing a post-transaction service associated with the transaction to the user, wherein the transaction is associated with the user's account, and wherein the mobile device executes an application associated with the user's account.

### Claim 12 (depends on 11)

The apparatus of claim 11, wherein the module comprises a banking application or a social networking application.

### Claim 13 (depends on 1)

The apparatus of claim 1, wherein the apparatus is associated with an entity, and wherein the entity comprises a financial institution or a merchant.

### Claim 14 (depends on 1)

The apparatus of claim 1, wherein the module accesses the information associated with the user, wherein the accessed information comprises at least one of information associated with the mobile device, information associated with the user, or information associated with the user's account, wherein the information associated with the user's account comprises a list of transactions, wherein the list of transactions comprises 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, wherein the information associated with the user comprises relationship information associated with the user, wherein the relationship information comprises correspondence information between the user and an entity managing the user's account.

### Claim 15 (depends on 1)

The apparatus of claim 1, wherein the module is configured to establish communication with the mobile device via one or more long-range or short-range wireless communication methods or via readable indicia.

### Claim 16

(canceled)

### Claim 17

(canceled)

### Claim 18

(canceled)

### Claim 19

A method for providing post-transaction service, the method comprising:
determining, using a computing device processor, a user has exited a facility after performing a transaction at the facility, wherein the user has a mobile device, wherein the user executed the transaction at the facility with assistance of an agent;
bookmarking, using a computing device processor, work completed on the transaction prior to the user exiting the facility;
communicating, using a computing device processor, with the mobile device for identifying the user;
accessing, using a computing device processor, information associated with the user, the information comprising information associated with the user's account including transactions previously executed by the user at the facility and the bookmarked work;
communicating, using a computing device processor, with the mobile device to provide a post-transaction service associated with the transaction to the user, the post-transaction service comprising providing a communication channel for establishing contact with the agent who assisted the user at the facility, wherein the post-transaction service uses the accessed information;
determining, using a computing device processor, whether the agent is available for assisting the user with the post-transaction service;
in response to determining the agent is not available for assisting the user, informing, using a computing device processor, the user that the agent is unavailable for assisting the user; and
prompting, using a computing device processor, the user whether the user would like assistance from a second available agent.

### Claim 20

A computer program product for providing post-transaction service, the computer program product comprising:
a non-transitory computer-readable medium comprising a set of codes for causing a computer to:
determine a user has exited a facility after performing a transaction at the facility, wherein the user has a mobile device, wherein the user executed the transaction at the facility with assistance of an agent;
bookmark work completed on the transaction prior to the user exiting the facility;
communicate with the mobile device for identifying the user;
access information associated with the user, the information comprising information associated with the user's account including transactions previously executed by the user at the facility and the bookmarked work;
communicate with the mobile device to provide a post-transaction service associated with the transaction to the user, the post-transaction service comprising providing a communication channel for establishing contact with the agent who assisted the user at the facility, wherein the post-transaction service uses the accessed information;
determine whether the agent is available for assisting the user with the post-transaction service;
in response to determining the agent is not available for assisting the user, inform the user that the agent is unavailable to assist the user; and
prompt the user whether the user would like assistance from a second available agent.