US 9,430,799 B2Granted

Mixed banking transactions

AssigneeIGATE Global Solutions Ltd.

InventorsSanjeev Sivadasan, Radhika Shankar, Venkatesh Babu

Life of this patent

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Abstract

A method of fulfilling a transaction between a bank and a customer of the bank makes available a form used in a banking transaction to a customer digital device. The form has a plurality of fields. The method scans, within a physical bank branch, an encoded visual display on the client digital device. The encoded visual display has an encoded version of the form and some but not all of the plurality of fields completed with client data. The method further decodes the encoded visual display using a decoding algorithm to produce the form and completed and uncompleted fields. At least one datum may be added, within the physical bank branch, to at least one uncompleted field of the form, and the banking transaction may be processed based on the form with the at least one client datum within the at least one field of the form.

Claims12

Dependent claims

A method of fulfilling a transaction between a bank and a customer of the bank, the method comprising:

storing wait data in a memory, the wait data indicating wait times at each of a plurality of branches of the bank;
transmitting, to a digital device based on the location of the digital device and a type of the transaction received from the digital device when the digital device is not physically present at a bank branch, (a) at least one bank branch within a specified physical proximity to the digital device that is capable of servicing transactions having the received type, and (b) a wait time for each of the at least one bank branch;
in response to receiving, from the digital device, a selection of a given bank branch in the at least one bank branch, transmitting, to a bank client computer physically located within the given bank branch, data indicating the type of the transaction;
in response to receiving, from the bank client computer, arrival data indicating that the customer has arrived at the given bank branch, altering the wait data stored in the memory to increase the wait time for the given bank branch as a function of the type of the transaction;
and
in response to receiving data pertaining to the transaction from the bank client computer, (a) fulfilling the transaction on behalf of the bank and (b) altering the wait data stored in the memory to decrease the wait time for the given bank branch, at least a portion of the data pertaining to the transaction being received in the bank client computer by scanning an encoded visual display of a customer mobile device.

3 more elements

A computer program product for use on a computer system for fulfilling a transaction between a bank and a customer of the bank, the computer program product comprising a tangible, non-transient computer usable medium having computer readable program code thereon, the computer readable program code comprising:

first program code for storing wait data in a memory, the wait data indicating wait times at each of a plurality of branches of the bank;
second program code for transmitting, to a digital device based on the location of the digital device and a type of the transaction received from the digital device when the digital device is not physically present at a bank branch, (a) at least one bank branch within a specified physical proximity to the digital device that is capable of servicing transactions having the received type, and (b) a wait time for each of the at least one bank branch;
third program code for transmitting, to a bank client computer physically located within the given bank branch, data indicating the type of transaction, the third program code being responsive to receiving, from the digital device, a selection of a given bank branch in the at least one bank branch;
fourth program code for altering the wait data stored in the memory to increase the wait time for the given bank branch as a function of the type of the transaction, the fourth program code being responsive to receiving, from the bank client computer, arrival data indicating that the customer has arrived at the given bank branch;
fifth program code for fulfilling the transaction on behalf of the bank;
and
sixth program code for altering the wait data stored in the memory to decrease the wait time for the given bank branch,
the fifth program code and the sixth program code being responsive to receiving data pertaining to the transaction from the bank client computer, at least a portion of the data pertaining to the transaction being received in the bank client computer by scanning an encoded visual display of a customer mobile device.

5 more elements

Dependencies are inferred from the claim text.

Facts

Application: 14/618,190Filed 10 Feb 2015
Priority: IN 3470/MUM/20143 Nov 2014
Published: US 2016/0125526 A15 May 2016
Granted: 30 Aug 2016
Term ends: Not estimatedThe source records don’t support an estimate.

Classification11 codes

G06Q 40/02
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: banking, e.g. interest calculation or account maintenance
G06Q 20/108
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: remote banking, e.g. home banking
G06Q 20/1085
Remote banking, e.g. home banking: involving automatic teller machines [ATMs]
G06Q 20/3274
Short range or proximity payments by means of M-devices: using a pictured code, e.g. barcode or QR-code, being displayed on the M-device

Family

US 2016/0125526 A1Pre-grant publication · published 5 May 2016
US 9,430,799 B2This patent

From the US filing history. Foreign family members aren’t listed.

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