# US 9,430,799 B2 · Mixed banking transactions

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- Number: US 9,430,799 B2
- Document ID: US9430799B2
- Status: Granted
- Kind: B2
- Application number: 14/618,190
- Filed: 2015-02-10
- Published: 2016-05-05
- Granted: 2016-08-30
- Earliest claimed: 2014-11-03
- Assignees: IGATE Global Solutions Ltd.
- Applicants: IGATE Global Solutions Ltd.
- Inventors: Sanjeev Sivadasan; Radhika Shankar; Venkatesh Babu
- Web page: https://patentgrep.com/patent/US9430799B2

## CPC

- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06Q 20/108: {Remote banking, e.g. home banking}
- G06Q 20/1085: {involving automatic teller machines [ATMs]}
- G06Q 20/3274: {using a pictured code, e.g. barcode or QR-code, being displayed on the M-device}
- G06Q 20/405: {Establishing or using transaction specific rules}
- G06Q 10/06: Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q 10/0631: Resource planning, allocation, distributing or scheduling for enterprises or organisations
- G06Q 10/06311: {Scheduling, planning or task assignment for a person or group}
- G07F 19/20: {Automatic teller machines [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

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.

## Claims

### Claim 1

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.

### Claim 2 (depends on 1)

A method according to claim 1, wherein the transaction comprises one of:
opening or closing a bank account, cashing a check, activating or deactivating a banking service, applying for a loan, applying for a line of credit, depositing valuables for safekeeping, investing in an interest-bearing asset, or managing wealth.

### Claim 3 (depends on 1)

A method according to claim 1, wherein the customer mobile device comprises a telephone, a laptop computer, a tablet computer, a smartphone, or a personal digital assistant.

### Claim 4 (depends on 1)

A method according to claim 1, wherein the digital device comprises a telephone, a laptop computer, a tablet computer, a personal digital assistant, a smartphone, a desktop computer, or a kiosk computer.

### Claim 5 (depends on 1)

A method according to claim 1, wherein the scanned portion of the transaction data is entered into the customer mobile device when the customer is not physically within the given bank branch.

### Claim 6 (depends on 1)

A method according to claim 1, wherein the visual display includes an image of a two dimensional barcode that encodes the transaction data.

### Claim 7 (depends on 1)

A method according to claim 1, further comprising producing, and electronically transmitting to the customer mobile device, an interactive game for reaching a goal related to the customer's personal finances.

### Claim 8 (depends on 7)

A method according to claim 7, further comprising:
selecting a banking product that, if purchased by the customer, is directed to help the customer achieve the goal related to the customer's personal finances; and
electronically transmitting to the customer mobile device, for display in the context of the interactive game, an advertisement for the selected banking product or service.

### Claim 9

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.

### Claim 10 (depends on 9)

A computer program product according to claim 9, wherein the customer mobile device comprises a telephone, a laptop computer, a tablet computer, a smartphone, or a personal digital assistant.

### Claim 11 (depends on 9)

A computer program product according to claim 9, wherein the scanned portion of the transaction data is entered into the customer mobile device when the customer is not physically within the given bank branch.

### Claim 12 (depends on 9)

A computer program product according to claim 9, wherein the visual display includes an image of a two dimensional barcode that encodes the transaction data.