Integrated geolocation resource transfer platform

• US 10,346,003 B2
• Filed: 10/14/2016
• Issued: 07/09/2019
• Est. Priority Date: 02/16/2016
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Selfridge, Stephen Philip, England, Tony, Siddiqi, Farhan Ahmed
• Primary Examiner(s): Sittner, Matthew T
• Application Number:
  US15/294,088
• Publication Number:
  US 20170235454A1
• Time in Patent Office: 998 Days
• Field of Search: None
• CPC Class Codes: G06F 21/31 User authentication
• CPC Class Codes: G06F 3/0484 for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
• CPC Class Codes: H04W 4/021 Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences

Abstract

Embodiments of the invention are directed to systems, methods, and computer program products for providing a centralized, integrated geolocation resource transfer system that is configured to facilitate operative communication between resource entity systems and external devices located within the geographic fence. In this regard, the invention is configured to dynamically identify a plurality of users located within the geographic fence, in real-time. In addition, the invention is configured to facilitate a resource entity system to customize a user interface of a user device based on the user'"'"'s location. Furthermore, the system is configured to optimize flux parameters and resource distribution in a geographic fence.

Claims

1. A system for integrated geolocation resource transfer, wherein the system is configured to provide optimal user flux distribution within a geographic fence using a centralized integrated geolocation resource transfer platform, the system comprising:

at least one memory device with computer-readable program code stored thereon;

at least one communication device;

at least one processing device operatively coupled to the at least one memory device and the at least one communication device, wherein executing the computer-readable code is configured to cause the at least one processing device to;

identify, a first plurality of resource entities located within a geographic fence, wherein the geographic fence is associated with an physical event geographic area containing the first plurality of resource entities;

determine, in real time, for each resource entity of the first plurality of resource entities, physical flux parameters associated with the resource entity, wherein the physical flux parameters are associated with current user traffic at the resource entity;

identify, in real time, a first user currently located within the geographic fence;

establish, via a network, an operative communication channel with a user device associated with the first user; and

in response to determining, in real time, that (i) at least one resource entity of the first plurality of resource entities is associated with predetermined flux parameters lower than a predetermined value, and (ii) the first user is not currently located within a predetermined distance of the at least one resource entity;

transmit, via the operative communication channel, control instructions that are configured to cause the user device to present a first user interface, wherein the first user interface is configured to route the first user to the at least one resource entity; and

facilitate the at least one resource entity located within the geographic fence to configure, in real time, the first user interface by receiving, from a first resource entity system associated with the at least one resource entity, application program interface parameters, wherein the application program parameters comprise content specific to the at least one resource entity;

transmitting, via the operative communication channel, control instructions configured to cause, in real time, modification of the first user interface based on the application program parameters; and

transmitting, via the operative communication channel, control instructions configured to restore, the first user interface to an original interface based on determining that the user is not located within the geographic fence.

2. The system of claim 1, wherein the system further comprises:

a plurality of physical electric transmitter devices, wherein each physical electric transmitter device is configured to transmit a wireless proximity signal to a predetermined broadcast area;

wherein executing the computer-readable code is configured to further cause the at least one processing device to;

identify one or more physical electric transmitter devices of the plurality of electric transmitter devices that are associated with the physical event geographic area; and

configure the geographic fence such that, entering the geographic fence would cause the first user to be within a broadcast range of at least one physical electric transmitter device of the one or more physical electric transmitter devices, within a predetermined time period after entering.

3. The system of claim 2, wherein, for each physical electric transmitter device, the wireless proximity signal comprises a encoded unique location code associated with the physical electric transmitter device, wherein executing the computer-readable code is configured to further cause the at least one processing device to:

receive an encoded augmented signal from the user device, wherein the encoded augmented signal is transmitted by the user device is response to the user device receiving the proximity signal of a first physical electric transmitter device, wherein the encoded augmented signal comprises the encoded unique location code of the first physical electric transmitter device and a user device identifier;

decode the augmented signal to determine the unique location code associated with the first physical electric transmitter device;

identify a location of the first physical electric transmitter device based on the unique location code; and

determine that the first user is located within the geographic fence based on determining that the location of the first physical electric transmitter device is within the geographic fence.

4. The system of claim 1, wherein executing the computer-readable code is configured to further cause the at least one processing device to:

transmit a non-intrusive location query to the user device, wherein the non-intrusive location query is configured to receive a response, from the user device, affirming or negating the query; and

determine that the first user is located within the geographic fence based on receiving an affirmation of the query from the user device.

5. The system of claim 1, wherein the physical flux parameters comprise one or more of user traffic at the resource entity, current user volume of the resource entity, estimated checkout time at the resource entity, user influx and user outflow of the resource entity.

6. The system of claim 1, wherein executing the computer-readable code is configured to further cause the at least one processing device to:

determine, for each resource entity of the first plurality of resource entities, a travel time duration for the user to travel to the resource entity from the user'"'"'s current location;

determine, for each resource entity of the first plurality of resource entities, an estimated checkout time duration;

determine, for each resource entity of the first plurality of resource entities, an activity time duration comprising a combination of the travel time duration and the checkout time duration for the resource entity; and

wherein determining that the at least one resource entity of the first plurality of entities is associated with predetermined flux parameters lower than the predetermined value comprises determining that an activity time duration for the at least one resource entities is below a predetermined value.

7. The system of claim 1, wherein executing the computer-readable code is configured to further cause the at least one processing device to:

identify one or more products associated with the first user; and

transmit, via the operative communication channel, control instructions that are configured to cause the user device to route the first user to the at least one resource entity based on determining that the at least one resource entity is associated with the one or more products.

8. The system of claim 1, wherein the application program interface parameters are associated with one or more activity incentives provided by the at least one resource entity system, wherein the one or more activity incentives comprise temporal incentives and collective incentives, wherein executing the computer-readable code is configured to further cause the at least one processing device to:

transmit, via the operative communication channel, control instructions configured to cause, in real time, display of the one or more activity incentives within the first user interface of the user device;

wherein temporal incentives are associated with user activities conducted within a predetermined time period;

wherein collective incentives are associated with user activities conducted by a first number of users within a predetermined time period.

9. A computer program product for integrated geolocation resource transfer, wherein the computer program product is configured to provide optimal user flux distribution within a geographic fence using a centralized integrated geolocation resource transfer platform, the computer program product comprising a non-transitory computer-readable storage medium having computer-executable instructions that when executed by an integrated geolocation resource transfer system cause the geolocation resource transfer system to:

identify, via the integrated geolocation resource transfer system, a first plurality of resource entities located within a geographic fence, wherein the geographic fence is associated with an physical event geographic area containing the first plurality of resource entities;

determine, via the integrated geolocation resource transfer system, in real time, for each resource entity of the first plurality of resource entities, physical flux parameters associated with the resource entity, wherein the physical flux parameters are associated with current user traffic at the resource entity;

identify, via the integrated geolocation resource transfer system, in real time, a first user currently located within the geographic fence;

establish, via a network, an operative communication channel with a user device associated with the first user; and

in response to determining, in real time, that (i) at least one resource entity of the first plurality of resource entities is associated with predetermined flux parameters lower than a predetermined value, and (ii) the first user is not currently located within a predetermined distance of the at least one resource entity;

transmit, via the operative communication channel, control instructions that are configured to cause the user device to present a first user interface, wherein the first user interface is configured to route the first user to the at least one resource entity; and

facilitate, via the integrated geolocation resource transfer system the at least one resource entity located within the geographic fence to configure, in real time, the first user interface by receiving, from a first resource entity system associated with the at least one resource entity, application program interface parameters, wherein the application program parameters comprise content specific to the at least one resource entity;

transmitting, via the operative communication channel, control instructions configured to cause, in real time, modification of the first user interface based on the application program parameters; and

transmitting, via the operative communication channel, control instructions configured to restore, the first user interface to an original interface based on determining that the user is not located within the geographic fence.

10. The computer program product of claim 9, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions that when executed by the integrated geolocation resource transfer system cause the geolocation resource transfer system to:

identify one or more physical electric transmitter devices associated with the physical event geographic area, wherein each physical electric transmitter device is configured to transmit a wireless proximity signal to a predetermined broadcast area; and

configure the geographic fence such that, entering the geographic fence would cause the first user to be within a broadcast range of at least one physical electric transmitter device of the one or more physical electric transmitter devices, within a predetermined time period after entering.

11. The computer program product of claim 10, wherein, for each physical electric transmitter device, the wireless proximity signal comprises a encoded unique location code associated with the physical electric transmitter device, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions that when executed by the integrated geolocation resource transfer system cause the geolocation resource transfer system to:

receive an encoded augmented signal from the user device, wherein the encoded augmented signal is transmitted by the user device is response to the user device receiving the proximity signal of a first physical electric transmitter device, wherein the encoded augmented signal comprises the encoded unique location code of the first physical electric transmitter device and a user device identifier;

decode the augmented signal to determine the unique location code associated with the first physical electric transmitter device;

identify a location of the first physical electric transmitter device based on the unique location code; and

determine that the first user is located within the geographic fence based on determining that the location of the first physical electric transmitter device is within the geographic fence.

12. The computer program product of claim 9, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions that when executed by the integrated geolocation resource transfer system cause the geolocation resource transfer system to:

transmit a non-intrusive location query to the user device, wherein the non-intrusive location query is configured to receive a response, from the user device, affirming or negating the query; and

determine that the first user is located within the geographic fence based on receiving an affirmation of the query from the user device.

13. The computer program product of claim 9, wherein the physical flux parameters comprise one or more of user traffic at the resource entity, current user volume of the resource entity, estimated checkout time at the resource entity, user influx and user outflow of the resource entity.

14. The computer program product of claim 9, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions that when executed by the integrated geolocation resource transfer system cause the geolocation resource transfer system to:

determine, for each resource entity of the first plurality of resource entities, a travel time duration for the user to travel to the resource entity from the user'"'"'s current location;

determine, for each resource entity of the first plurality of resource entities, an estimated checkout time duration;

determine, for each resource entity of the first plurality of resource entities, an activity time duration comprising a combination of the travel time duration and the checkout time duration for the resource entity; and

wherein determining that the at least one resource entity of the first plurality of entities is associated with predetermined flux parameters lower than the predetermined value comprises determining that an activity time duration for the at least one resource entities is below a predetermined value.

15. The computer program product of claim 9, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions that when executed by the integrated geolocation resource transfer system cause the geolocation resource transfer system to:

identify one or more products associated with the first user; and

transmit, via the operative communication channel, control instructions that are configured to cause the user device to route the first user to the at least one resource entity based on determining that the at least one resource entity is associated with the one or more products.

16. The computer program product of claim 9, wherein the application program interface parameters are associated with one or more activity incentives provided by the at least one resource entity system, wherein the one or more activity incentives comprise temporal incentives and collective incentives, wherein the non-transitory computer-readable storage medium further comprises computer-executable instructions that when executed by the integrated geolocation resource transfer system cause the geolocation resource transfer system to:

transmit, via the operative communication channel, control instructions configured to cause, in real time, display of the one or more activity incentives within the first user interface of the user device;

wherein temporal incentives are associated with user activities conducted within a predetermined time period;

wherein collective incentives are associated with user activities conducted by a first number of users within a predetermined time period.

17. A computer implemented method for integrated geolocation resource transfer, wherein the computer implemented method is configured to provide optimal user flux distribution within a geographic fence using a centralized integrated geolocation resource transfer platform, the computer implemented method comprising:

identifying, via an integrated geolocation resource transfer system, a first plurality of resource entities located within a geographic fence, wherein the geographic fence is associated with an physical event geographic area containing the first plurality of resource entities;

determining, via the integrated geolocation resource transfer system, in real time, for each resource entity of the first plurality of resource entities, physical flux parameters associated with the resource entity, wherein the physical flux parameters are associated with current user traffic at the resource entity;

identifying, via the integrated geolocation resource transfer system, in real time, a first user currently located within the geographic fence;

establishing, via a network, an operative communication channel with a user device associated with the first user; and

in response to determining, in real time, that (i) at least one resource entity of the first plurality of resource entities is associated with predetermined flux parameters lower than a predetermined value, and (ii) the first user is not currently located within a predetermined distance of the at least one resource entity;

transmitting, via the operative communication channel, control instructions that are configured to cause the user device to present a first user interface, wherein the first user interface is configured to route the first user to the at least one resource entity; and

facilitating, via the integrated geolocation resource transfer system, the at least one resource entity located within the geographic fence to configure, in real time, the first user interface by receiving, from a first resource entity system associated with the at least one resource entity, application program interface parameters, wherein the application program parameters comprise content specific to the at least one resource entity;

transmitting, via the operative communication channel, control instructions configured to cause, in real time, modification of the first user interface based on the application program parameters; and

transmitting, via the operative communication channel, control instructions configured to restore, the first user interface to an original interface based on determining that the user is not located within the geographic fence.

18. The computer implemented method of claim 17, wherein the physical flux parameters comprise one or more of user traffic at the resource entity, current user volume of the resource entity, estimated checkout time at the resource entity, user influx and user outflow of the resource entity, wherein the computer implemented method further comprises:

determining, for each resource entity of the first plurality of resource entities, a travel time duration for the user to travel to the resource entity from the user'"'"'s current location;

determining, for each resource entity of the first plurality of resource entities, an estimated checkout time duration;

determining, for each resource entity of the first plurality of resource entities, an activity time duration comprising a combination of the travel time duration and the checkout time duration for the resource entity; and

wherein determining that the at least one resource entity of the first plurality of entities is associated with predetermined flux parameters lower than the predetermined value comprises determining that an activity time duration for the at least one resource entities is below a predetermined value.

19. The computer implemented method of claim 17, further comprising:

providing a plurality of physical electric transmitter devices, wherein each physical electric transmitter device is configured to transmit a wireless proximity signal to a predetermined broadcast area;

identifying one or more physical electric transmitter devices of the plurality of electric transmitter devices that are associated with the physical event geographic area; and

configuring the geographic fence such that, entering the geographic fence would cause the first user to be within a broadcast range of at least one physical electric transmitter device of the one or more physical electric transmitter devices, within a predetermined time period after entering.

20. The computer implemented method of claim 17, wherein the application program interface parameters are associated with one or more activity incentives provided by the at least one resource entity system, wherein the one or more activity incentives comprise temporal incentives and collective incentives, wherein the computer implemented method further comprises:

transmitting, via the operative communication channel, control instructions configured to cause, in real time, display of the one or more activity incentives within the first user interface of the user device;

wherein temporal incentives are associated with user activities conducted within a predetermined time period;

wherein collective incentives are associated with user activities conducted by a first number of users within a predetermined time period.