System for facilitating appointment calendaring based on perceived customer requirements

• US 10,387,845 B2
• Filed: 07/10/2015
• Issued: 08/20/2019
• Est. Priority Date: 07/10/2015
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Jones-McFadden, Alicia C., Hsieh, Matthew, Vo-Dinh, Jade Michelle Le, Grigg, David M., Hanson, Carrie Anne, Bertanzetti, Peter John
• Primary Examiner(s): Knox, Tyler W
• Application Number:
  US14/797,001
• Publication Number:
  US 20170011350A1
• Time in Patent Office: 1,502 Days
• CPC Class Codes: G06Q 10/1093 Calendar-based scheduling for persons or groups
• CPC Class Codes: G06Q 10/1095 Meeting or appointment
• CPC Class Codes: H04L 67/10 in which an application is distributed across nodes in the network software deployment G06F8/60; multiprogramming arrangements G06F9/46
• CPC Class Codes: H04L 67/306 User profiles

Abstract

Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on perceived user requirements. As such, the invention provides for a smart appointment calendaring based on the automatic and real time analysis of a user'"'"'s financial information, transaction history, navigation history and the like. The system then identifies one or more relevant specialists and schedules one or more appointments. Based on needs identified from analysis of user information, the invention may create an appointment package for the user. Thus, the system may schedule appointments with one or more specialists based on the user'"'"'s requirements.

Claims

1. A system for appointment calendaring based on perceived customer requirements for a user, the system comprising:

a memory device with computer-readable program code stored thereon;

a communication device;

a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to;

retrieve a user profile for the user, wherein the user profile contains financial information and transaction history of the user;

determine in-flows and out-flows of the user associated with a predetermined time period;

determine estimated rates of return for assets that provide returns;

determine financial history of the user, wherein the financial history comprises at least one of a spending, investment, and savings history of the user;

determine one or more requirements of the user, wherein determining one or more requirements is based at least on evaluating the user profile, determined asset values, in-flows, out-flows, and financial history, wherein the one or more requirements comprise current requirements and potential future requirements;

access a user device associated with the user to determine user availability and one or more potential future locations of the user, wherein determining availability of the user for appointment calendaring further comprises accessing a mobile device associated with the user and a calendaring application associated with the mobile device associated with the user to identify the availability of the user for appointment calendaring;

identify one or more specialists within an entity database of specialists located at the one or more potential future locations of the user, wherein identifying further comprises matching the one or more requirements to one or more specialists;

extract availability data for the one or more identified specialists and availability data for the user via analyzing calendars of the one or more identified specialists and via accessing the user device and calendaring applications of the user;

schedule, based on the availability of the one or more identified specialists and the availability of the user, one or more appointments, wherein scheduling further comprises updating a calendaring application of the one or more specialists and the calendaring application of the user with the one or more appointments;

identify an appointment location of the one or more appointments;

determine availability of office spaces at the appointment location, based on times and dates of the one or more appointments;

reserve one of the office spaces at the appointment location based on determining the availability of the office spaces;

transmit details of the one or more appointments to a mobile device associated with the user;

receive an audio confirmation associated with the one or more appointments from the user;

analyze the tone and content of the audio confirmation, wherein analyzing the tone and content of the audio confirmation comprises;

accessing a database of standardized voice samples for the user; and

comparing the tone and content of the audio confirmation with previously received messages from the user;

based on the analyzed toned and content of the audio confirmation, determine if the user plans to retain the one or more appointments;

transmit the details of the reserved office spaces to the one or more specialists and the user; and

display an appointment calendaring user interface through the calendaring application of the one or more specialists and the calendaring application of the user, wherein updates or modifications to an appointment are generated on the appointment calendaring user interface for the one or more specialists and the user and the updates or modifications include the details of the reserved one or more office spaces to the one or more specialists and the user.

2. The system of claim 1 further comprising creating the user profile for the user by storing financial information, transaction history, navigation history, and social media information associated with the user, wherein navigation history comprises one or more sections of an application viewed by the user based on the monitoring of the user navigation of the application in association with transaction history of the user.

3. The system of claim 1, wherein identifying one or more specialists within an entity database of specialists that match specialization further comprises:

determining the location and specialization of each of the one or more identified specialists;

identifying one or more primary specialists that are a perfect match to the one or more requirements, based on matching the specialization of the one or more primary specialists to the one or more requirements of the user and matching the location of the one or more primary specialists to the current location and/or one or more potential future locations of the user; and

identifying one or more secondary specialists that are partial matches to the one or more requirements, based on matching the specialization of the one or more secondary specialists to the one or more requirements of the user and matching the location of the one or more secondary specialists to at least one of the current location of the user, one or more potential future locations of the user and the location of one or more primary specialists.

4. The system of claim 1, wherein identifying one or more specialists within an entity database of specialists further comprises:

determining one or more solutions to meet the one or more requirements of the user;

identifying one or more financial products associated with the one or more solutions; and

identifying one or more specialists to implement the one or more solutions.

5. A computer program product for appointment calendaring based on perceived customer requirements for a user, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:

an executable portion configured for retrieving a user profile for the user, wherein the user profile contains financial information and transaction history of the user;

an executable portion configured for determining fund in-flows and out-flows of the user associated with a predetermined time period;

an executable portion configured for determining estimated rates of return for assets that provide returns;

an executable portion configured for determining financial history of the user, wherein the financial history comprises at least one of a spending history, investment history and savings history;

an executable portion configured for determining one or more requirements of the user, wherein determining one or more requirements is based at on evaluating the user profile, determined asset values, in-flows, out-flows, and financial history, wherein the one or more requirements comprise current requirements and potential future requirements;

an executable portion configured for accessing a user device associated with the user to determine user availability and one or more potential future locations of the user, wherein determining availability of the user for appointment calendaring further comprises accessing a mobile device associated with the user and a calendaring application associated with the mobile device associated with the user to identify the availability of the user for appointment calendaring;

an executable portion configured for identifying one or more specialists within an entity database of specialists located at the one or more potential future locations of the user, wherein identifying further comprises matching the one or more requirements to one or more specialists;

an executable portion configured for extracting availability data for the one or more identified specialists and availability data for the user via analyzing calendars of the one or more identified specialists and via accessing the user device and calendaring applications of the user;

an executable portion configured for scheduling, based on the availability of the one or more identified specialists and the availability of the user, one or more appointments, wherein scheduling further comprises updating a calendaring application of the one or more specialists and the calendaring application of the user with the one or more appointments;

an executable portion configured for identifying an appointment location of the one or more appointments;

an executable portion configured for determining availability of office spaces at the appointment location, based on times and dates of the one or more appointments;

an executable portion configured for reserving one of the office spaces at the appointment location based on determining the availability of the office spaces;

an executable portion configured for transmitting details of the one or more appointments to a mobile device associated with the user;

an executable portion configured for receiving an audio confirmation associated with the one or more appointments from the user;

an executable portion configured for analyzing the tone and content of the audio confirmation, wherein analyzing the tone and content of the audio confirmation comprises;

accessing a database of standardized voice samples for the user; and

comparing the tone and content of the audio confirmation with previously received messages from the user;

an executable portion configured for determining if the user plans to retain the one or more appointments based on the analyzed toned and content of the audio confirmation;

an executable portion configured for transmitting the details of the reserved office spaces to the one or more specialists and the user; and

an executable portion configured for displaying an appointment calendaring user interface through the calendaring application of the one or more specialists and the calendaring application of the user, wherein updates or modifications to an appointment are generated on the appointment calendaring user interface for the one or more specialists and the user and the updates or modifications include the details of the reserved one or more office spaces to the one or more specialists and the user.

6. The computer program product of claim 5 further comprising creating the user profile for the user by storing financial information, transaction history, navigation history, and social media information, associated with the user, wherein navigation history comprises one or more sections of an application viewed by the user based on the monitoring of the user navigation of the application in association with transaction history of the user.

7. The computer program product of claim 5, wherein identifying one or more specialists within an entity database of specialists that match specialization further comprises:

determining the location and specialization of each of the one or more identified specialists;

identifying one or more primary specialists that are a perfect match to the one or more requirements, based on matching the specialization of the one or more primary specialists to the one or more requirements of the user and matching the location of the one or more primary specialists to the current location and/or one or more potential future locations of the user; and

identifying one or more secondary specialists that are partial matches to the one or more requirements, based on matching the specialization of the one or more secondary specialists to the one or more requirements of the user and matching the location of the one or more secondary specialists to at least one of the current location of the user, one or more potential future locations of the user and the location of one or more primary specialists.

8. The computer program product of claim 5, wherein identifying one or more specialists within an entity database of specialists further comprises:

determining one or more solutions to meet the one or more requirements of the user;

identifying one or more financial products associated with the one or more solutions; and

identifying one or more specialists to implement the one or more solutions.

9. A computer-implemented method for appointment calendaring based on perceived customer requirements of a user, the method comprising:

providing a computing system comprising at least one computer processing device and a non-transitory computer readable medium, where the computer readable medium comprises configured computer program instruction code, such that when said instruction code is operated by said at least one computer processing device, said at least one computer processing device performs the following operations;

retrieving a user profile for the user, wherein the user profile contains financial information and transaction history of the user;

determining in-flows and out-flows of the user associated with a predetermined time period;

determining estimated rates of return for assets that provide returns;

determining financial history of the user, wherein the financial history comprises at least one of a spending history, investment history, and savings history;

determining one or more requirements of the user, wherein determining one or more requirements is based at least on evaluating the user profile and determining asset values, in-flows, out-flows, and financial history, wherein the one or more requirements comprise current requirements and potential future requirements;

accessing a user device associated with the user to determine user availability and one or more potential future locations of the user, wherein determining availability of the user for appointment calendaring further comprises accessing a mobile device associated with the user and a calendaring application associated with the mobile device associated with the user to identify the availability of the user for appointment calendaring;

identifying one or more specialists within an entity database of specialists located at the one or more potential future locations of the user, wherein identifying further comprises matching the one or more requirements to one or more specialists;

extracting availability data for the one or more identified specialists and availability data for the user via analyzing calendars of the one or more identified specialists and via accessing the user device and calendaring applications of the user;

scheduling, based on the availability of the one or more identified specialists and the availability of the user, one or more appointments, wherein scheduling further comprises updating a calendaring application of the one or more specialists and the calendaring application of the user with the one or more appointments;

identifying an appointment location of the one or more appointments;

determining availability of office spaces at the appointment location, based on times and dates of the one or more appointments;

reserving one of the office spaces at the appointment location based on determining the availability of the office spaces;

transmitting details of the one or more appointments to a mobile device associated with the user;

receiving an audio confirmation associated with the one or more appointments from the user;

analyzing the tone and content of the audio confirmation, wherein analyzing the tone and content of the audio confirmation comprises;

accessing a database of standardized voice samples for the user; and

comparing the tone and content of the audio confirmation with previously received messages from the user;

based on the analyzed toned and content of the audio confirmation, determining if the user plans to retain the one or more appointments;

transmitting the details of the reserved office spaces to the one or more specialists and the user; and

displaying an appointment calendaring user interface through the calendaring application of the one or more specialists and the calendaring application of the user, wherein updates or modifications to an appointment are generated on the appointment calendaring user interface for the one or more specialists and the user and the updates or modifications include the details of the reserved one or more office spaces to the one or more specialists and the user.

10. The computer implemented method of claim 9 further comprising creating the user profile for the user by storing financial information, transaction history, navigation history, and social media information associated with the user, wherein navigation history comprises one or more sections of an application viewed by the user based on the monitoring of the user navigation of the application in association with transaction history of the user.

11. The computer implemented method of claim 9, wherein identifying one or more specialists within an entity database of specialists that match specialization further comprises:

determining the location and specialization of each of the one or more identified specialists;

identifying one or more primary specialists that are a perfect match to the one or more requirements, based on matching the specialization of the one or more primary specialists to the one or more requirements of the user and matching the location of the one or more primary specialists to the current location and/or one or more potential future locations of the user; and

identifying one or more secondary specialists that are partial matches to the one or more requirements, based on matching the specialization of the one or more secondary specialists to the one or more requirements of the user and matching the location of the one or more secondary specialists to at least one of the current location of the user, one or more potential future locations of the user and the location of one or more primary specialists.