System for determining available services based on user location

• US 10,097,682 B2
• Filed: 11/16/2015
• Issued: 10/09/2018
• Est. Priority Date: 11/16/2015
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Lupcho, III, Albert R., Jasko, Christina, Wilson, John J., Lamb, Michael D., Towers, Sara M.
• Primary Examiner(s): Wang-Hurst, Kathy
• Assistant Examiner(s): TACSIK, ERNEST G
• Application Number:
  US14/942,649
• Publication Number:
  US 20170142251A1
• Time in Patent Office: 1,058 Days
• CPC Class Codes: H04M 1/72457 according to geographic location
• CPC Class Codes: H04W 4/02 Services making use of location information
• CPC Class Codes: H04W 4/029 Location-based management or tracking services

Abstract

Some aspects as disclosed herein are directed to, for example, a system for determining a geographical location of a user, such as via a data input, a network address, and/or a location sensor. A computing device of the system may determine a plurality of prompts for the user based on the determined geographical location of the user and may generate one or more user interfaces configured to display the plurality of prompts. Data input responding to one or more of the plurality of prompts may be received via the one or more user interfaces. It may be determined, based on the data input, whether to approve the user for one or more services. Additionally or alternatively, a computing device may determine a plurality of available services for the user based on the determined geographical location of the user and may generate one or more user interfaces configured to display the plurality of available services. Data input indicating a selection of one or more of the plurality of available services may be received via the one or more user interfaces. Based on the data input, a request to enroll the user in the selected one or more of the plurality of available services may be generated.

Claims

1. A system, comprising:

a user device comprising;

a first processor;

a display screen;

a location sensor; and

first memory storing computer-executable instructions that, when executed by the first processor, cause the user device to;

determine a geographical location of a first user of the user device by automatically detecting the geographical location of the first user based on one or more of a network address of the user device or location data generated by the location sensor of the user device; and

send the geographical location of the first user to a user interface (UI) generation computing device; and

the UI generation computing device comprising;

a second processor; and

second memory storing computer-executable instructions that, when executed by the second processor, cause the UI generation computing device to;

receive, from the user device, the geographical location of the first user of the user device;

based on the received geographical location of the first user of the user device, determine a first geographical region associated with the first user of the user device, wherein the first geographical region has boundaries, wherein the first geographical region comprises a first country, and wherein the first geographical region includes the received geographical location of the first user of the user device;

receive, from a client device, a geographical location of a second user of the client device, wherein the geographical location of the second user of the client device is automatically detected based on one or more of a network address of the client device or location data generated by a location sensor of the client device;

based on the received geographical location of the second user of the client device, determine a second geographical region associated with the second user of the client device, wherein the second geographical region has boundaries, wherein the second geographical region comprises a second country different from the first country, and wherein the second geographical region includes the received geographical location of the second user of the client device;

based on the determined first geographical region associated with the first user of the user device and based on the determined second geographical region associated with the second user of the client device, determine a plurality of available services for the second user;

generate one or more user interfaces configured to display the plurality of available services;

receive, from the user device and via the one or more user interfaces, data input indicating a selection of one or more of the plurality of available services;

generate, based on the data input, a request to enroll the second user in the selected one or more of the plurality of available services;

receive an indication of one or more updates to services available at the second geographical region; and

based on the one or more updates to services available at the second geographical region, store, at a database, a correlation between a plurality of unique identifiers for a second plurality of available services and the second geographical region.

2. The system of claim 1, wherein determining the geographical location of the first user comprises:

displaying, on the display screen of the user device, a user interface requesting input of the geographical location of the first user; and

receiving, at the user device via an input/output module of the user device, input of the geographical location of the first user.

3. The system of claim 1, wherein generating the one or more user interfaces configured to display the plurality of available services comprises generating the one or more user interfaces to include the determined plurality of available services and to exclude one or more services not available at the determined second geographical region associated with the second user.

4. The system of claim 1, wherein generating the one or more user interfaces configured to display the plurality of available services comprises generating the one or more user interfaces to include the determined plurality of available services and to include one or more services not available at the determined second geographical region associated with the second user, wherein the one or more services not available at the determined second geographical region associated with the second user is graphically distinguishable from the determined plurality of available services.

5. The system of claim 1, wherein determining the plurality of available services for the second user based on the determined first geographical region associated with the first user and based on the determined second geographical region associated with the second user comprises determining the plurality of available services for the second user based on the determined first geographical region associated with the first user, based on the determined second geographical region associated with the second user, and based on at least one or more additional factor.

6. A method, comprising:

determining, by a computing device, a geographical location of a first user of a user device by automatically detecting the geographical location of the first user based on one or more of a network address of the user device or location data generated by a location sensor of the user device;

based on the determined geographical location of the first user of the user device, determining, by the computing device, a first geographical region associated with the first user of the user device, wherein the first geographical region has boundaries, wherein the first geographical region comprises a first country, and wherein the first geographical region includes the determined geographical location of the first user of the user device;

determining, by the computing device, a geographical location of a second user of a client device, wherein the geographical location of the second user of the client device is automatically detected based on one or more of a network address of the client device or location data generated by a location sensor of the client device;

based on the determined geographical location of the second user of the client device, determining, by the computing device, a second geographical region associated with the second user of the client device, wherein the second geographical region has boundaries, wherein the second geographical region comprises a second country different from the first country, and wherein the second geographical region includes the determined geographical location of the second user of the client device;

based on the determined first geographical region associated with the first user of the user device and based on the determined second geographical region associated with the second user of the client device, determining, by the computing device, a plurality of available services for the second user;

generating, by the computing device, one or more user interfaces configured to display the plurality of available services;

receiving, via the one or more user interfaces, data input indicating a selection of one or more of the plurality of available services;

generating, based on the data input and by the computing device, a request to enroll the second user in the selected one or more of the plurality of available services;

receiving an indication of one or more updates to services available at the second geographical region; and

based on the one or more updates to services available at the second geographical region, store, at a database, a correlation between a plurality of unique identifiers for a second plurality of available services and the second geographical region.

7. The method of claim 6, wherein determining the geographical location of the first user comprises receiving, from the user device, a user selection of the geographical location of the first user.

8. The method of claim 6, wherein generating the one or more user interfaces configured to display the plurality of available services comprises generating the one or more user interfaces to include the determined plurality of available services and to exclude one or more services not available at the determined second geographical region associated with the second user.

9. The method of claim 6, wherein generating the one or more user interfaces configured to display the plurality of available services comprises generating the one or more user interfaces to include the determined plurality of available services and to include one or more services not available at the determined second geographical region associated with the second user, wherein the one or more services not available at the determined second geographical region associated with the second user is graphically distinguishable from the determined plurality of available services.

10. The method of claim 6, wherein determining the plurality of available services for the second user based on the determined first geographical region associated with the first user and based on the determined second geographical region associated with the second user comprises determining the plurality of available services for the second user based on the determined first geographical region associated with the first user, based on the determined second geographical region associated with the second user, and based on at least one or more additional factor.

11. The method of claim 6, further comprising:

sending, by the computing device, the request to enroll the second user in the selected one or more of the plurality of available services to a governance computing device; and

determining, by the governance computing device, whether to enroll the second user in the selected one or more of the plurality of available services.

12. A non-transitory computer-readable medium having instructions stored thereon that, when executed, cause a computing device to:

determine a geographical location of a first user of a user device by automatically detecting the geographical location of the first user based on one or more of a network address of the user device or location data generated by a location sensor of the user device;

based on the determined geographical location of the first user of the user device, determine a first geographical region associated with the first user of the user device, wherein the first geographical region has boundaries, wherein the first geographical region comprises a first country, and wherein the first geographical region includes the determined geographical location of the first user of the user device;

determine a geographical location of a second user of a client device, wherein the geographical location of the second user of the client device is automatically detected based on one or more of a network address of the client device or location data generated by a location sensor of the client device;

based on the determined geographical location of the second user of the client device, determine a second geographical region associated with the second user of the client device, wherein the second geographical region has boundaries, wherein the second geographical region comprises a second country different from the first country, and wherein the second geographical region includes the determined geographical location of the second user of the client device;

based on the determined first geographical region associated with the first user of the user device and based on the determined second geographical region associated with the second user of the client device, determine a plurality of available services for the second user;

generate one or more user interfaces configured to display the plurality of available services;

receive, via the one or more user interfaces, data input indicating a selection of one or more of the plurality of available services;

generate, based on the data input, a request to enroll the second user in the selected one or more of the plurality of available services;

receive an indication of one or more updates to services available at the second geographical region; and

based on the one or more updates to services available at the second geographical region, store, at a database, a correlation between a plurality of unique identifiers for a second plurality of available services and the second geographical region.

13. The non-transitory computer-readable medium of claim 12, wherein generating the one or more user interfaces configured to display the plurality of available services comprises generating the one or more user interfaces to include the determined plurality of available services and to exclude one or more services not available at the determined second geographical region associated with the second user.

14. The non-transitory computer-readable medium of claim 12, wherein generating the one or more user interfaces configured to display the plurality of available services comprises generating the one or more user interfaces to include the determined plurality of available services and to include one or more services not available at the determined second geographical region associated with the second user, wherein the one or more services not available at the determined second geographical region associated with the second user is graphically distinguishable from the determined plurality of available services.

15. The non-transitory computer-readable medium of claim 12, wherein determining the plurality of available services for the second user based on the determined first geographical region associated with the first user and based on the determined second geographical region associated with the second user comprises determining the plurality of available services for the second user based on the determined first geographical region associated with the first user, based on the determined second geographical region associated with the second user, and based on at least one or more additional factor.