US 9,432,804 B2Granted

Processing of pre-staged transactions

AssigneeBank of America Corporation

InventorsCarrie Anne Hanson, Don Cardinal, Sharon Scanlon, Davindar Gill, Alicia C. Jones, Russell Lewis

Life of this patent

Estimating the term…

Loading patent…

Abstract

Systems and methods for using proximity positioning systems to determine an identity and location of a user, and process a pre-staged transaction based on the determined information are provided. In some examples, a transaction may be initiated by a user. A financial institution may pre-process the transaction and, upon establishing a physical presence of the user at a banking center, may further process and/or complete the transaction. The physical presence of the user may be established based on a signal from a location beacon at the banking center being detected by a personal computing device of the user. Because the personal computing device is within a predefined proximity of the location beacon in order to detect the signal, the location of the location beacon, and, thus the personal computing device may be determined, and an identity of the user may be determined.

Claims20

Dependent claims

A method, comprising:

pre-staging, at a first location, a plurality of transactions;
receiving, by a location determination and user identification system having at least one processor, data associated with a signal detected by a personal computing device, the signal being emitted from a location beacon at a second location, the second location being a banking center of a financial institution and being different from the first location;
determining, by the location determination and user identification system, a location of the personal computing device based on the received data associated with the signal emitted from the location beacon, wherein the location of the personal computing device is within a predefined proximity of the second location at which the location beacon is located;
extracting, by the location determination and user identification system, a unique identifier associated with the personal computing device;
determining, by the location determination and user identification system and based on the extracted unique identifier associated with the personal computing device, an identity of a user associated with the personal computing device located at the determined location;
identifying at least one pre-staged transaction of the plurality of transactions that is associated with the identified user associated with the personal computing device;
based on the determined location of the personal computing device being within the predefined proximity of the second location at which the location beacon is located and the determined identity of the user, authorizing the at least one identified pre-staged transaction for further processing, the authorizing being based on the determined location of the personal computing device being within the predefined proximity of the second location and the determined identity of the user and without additional authorization;
processing the at least one identified pre-staged transaction based on the authorization based on the determination of the location of the personal computing device being within the predefined proximity of the second location at which the location beacon is located and the determined identity of the user;
and
generating a notification indicating processing of the at least one identified pre-staged transaction.

7 more elements

An apparatus, comprising:

at least one processor communicating via a communication interface;
and
a memory storing instructions that when executed by the at least one processor cause the apparatus to:
pre-stage, at a first location, a plurality of transactions;
receive data associated with a signal detected by a personal computing device, the signal being emitted from a location beacon at a second location, the second location being a banking center of a financial institution and being different from the first location;
determine a location of the personal computing device based on the received data associated with the signal emitted from the location beacon, wherein the location of the personal computing device is within a predefined proximity of the second location at which the location beacon is located;
extract a unique identifier associated with the personal computing device;
determine, based on the extracted unique identifier associated with the personal computing device, an identity of a user associated with the personal computing device located at the location;
identify at least one pre-staged transaction of the plurality of transactions that is associated with the identified user associated with the personal computing device;
based on the determined location of the personal computing device being within the predefined proximity of the second location at which the location beacon is located and the determined identity of the user, authorizing the at least one identified pre-staged transaction for further processing, the authorizing being based on the determined location of the personal computing device being within the predefined proximity of the second location and the determined identity of the user and without additional authorization;
process the at least one identified pre-staged transaction based on the authorization based on the determination of the location of the personal computing device being within the predefined proximity of the second location at which the location beacon is located and the determined identity of the user;
and
generate a notification indicating processing of the at least one identified pre-staged transaction.

10 more elements

One or more non-transitory computer-readable media having instructions stored thereon that when executed by one or more computers cause the one or more computers to:

pre-stage, at a first location, a plurality of transactions;
receive data associated with a signal detected by a personal computing device, the signal being emitted from a location beacon at a second location different from the first location, the second location being a banking center of a financial institution;
determine a location of the personal computing device based on the received data associated with the signal emitted from the location beacon, wherein the location of the personal computing device is within a predefined proximity of the second location at which the location beacon is located;
extract a unique identifier associated with the personal computing device;
determine, based on the extracted unique identifier associated with the personal computing device, an identity of a user associated with the personal computing device located at the location;
identify at least one pre-staged transaction of the plurality of transactions that is associated with the identified user associated with the personal computing device;
based on the determined location of the personal computing device being within the predefined proximity of the second location at which the location beacon is located and the determined identity of the user, authorizing the at least one identified pre-staged transaction for further processing, the authorizing being based on the determined location of the personal computing device being within the predefined proximity of the second location and the determined identity of the user and without additional authorization;
process the at least one identified pre-staged transaction based on the authorization based on the determination of the location of the personal computing device being within the predefined proximity of the second location at which the location beacon is located and the determined identity of the user;
and
generate a notification indicating processing of the at least one identified pre-staged transaction.

7 more elements

Dependencies are inferred from the claim text.

Facts

Application: 14/327,847Filed 10 Jul 2014
Published: US 2016/0014552 A114 Jan 2016
Granted: 30 Aug 2016
Term ends: Not estimatedThe source records don’t support an estimate.

Classification7 codes

G06Q 20/108
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: remote banking, e.g. home banking
G06Q 20/3224
Aspects of commerce using mobile devices [M-devices]: transactions dependent on location of M-devices
G06Q 20/40
Payment protocols; Details thereof: authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and…
G06Q 20/405
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check…:…