BANKING CENTER COMMUNITY DISPLAY

• US 20110213658A1
• Filed: 02/26/2010
• Published: 09/01/2011
• Est. Priority Date: 02/26/2010
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Joa, David, Nagarajan, Srinath, Newman, Kurt D., Mark, Timothy James
• Application Number:
  US12/713,899
• Publication Number:
  US 20110213658A1
• Time in Patent Office: Days
• US Class Current: 705/14.52
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0254 based on statistics
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Embodiments of the present invention provide a system, method and computer program product for providing a new bank-based communication system. For example, embodiments of the invention provide a method for: (1) identifying a user interface, where the user interface is associated with a banking center accessible to a user; (2) identifying a banking center community associated with the banking center; (3) determining content to present on the user interface based at least partially on the banking center community; and (4) presenting the content to the user using the user interface.

Claims

1. A computer-implemented method comprising:

identifying a user interface, the user interface associated with a banking center accessible to a user;

identifying a banking center community associated with the banking center;

determining content to present on the user interface based at least partially on the banking center community; and

presenting the content to the user using the user interface.

2. The computer-implemented method of claim 1, further comprising:

receiving an input from the user regarding the content; and

responding to the user about the input.

3. The computer-implemented method of claim 1, wherein the determining content to present on the user interface comprises:

determining a plurality of communications for presentation in the community; and

selecting a communication from the plurality of communications.

4. The computer-implemented method of claim 1, wherein the banking center community comprises a geographic area with which the banking center is associated.

5. The computer-implemented method of claim 4, wherein the geographic area comprises at least one of a country that the banking center is within, a state that the banking center is within, a county that the banking center is within, a municipality that the banking center is within, an electoral district that the banking center is within, a metropolitan area that the banking center is within, a facility that the banking center is associated with, a zip code that the banking center is within, or an area defined by a circle created by a pre-determined radius from the banking center.

6. The computer-implemented method of claim 1, further comprising:

identifying the user of the user interface; and

identifying a user community associated with the user,

wherein the determining content to present on the user interface is further based on the user community.

7. The computer-implemented method of claim 6, wherein the user community comprises a region associated with the user.

8. The computer-implemented method of claim 7, wherein the region associated with the user comprises at least one of a country, a state, a county, a zip code, a municipality, an electoral district, and a metropolitan region.

9. The computer-implemented method of claim 1, wherein the banking center community comprises a group of individuals associated with the banking center.

10. The computer-implemented method of claim 1, wherein the content comprises an advertisement, wherein a target audience for the audience comprises the banking center community.

11. The computer-implemented method of claim 1, wherein the banking center comprises a bank branch, and wherein the user interface comprises a display device in a lobby of the bank branch.

12. The computer-implemented method of claim 1, wherein banking center comprises an automated teller machine, and wherein the user interface comprises a display device associated with and located proximate to the automated teller machine.

13. The computer-implemented method of claim 1, wherein the banking center community is an area in which the banking center is located.

14. The computer-implemented method of claim 1, further comprising identifying a user of the user interface, and wherein the determining content comprises:

identifying a plurality of communications associated with the banking center community; and

selecting one of the plurality of communications based at least partially on the user'"'"'s identity.

15. The computer-implemented method of claim 1, wherein the content comprises at least one of a message from the bank, a message from a customer, or a message from a governmental entity.

16. The computer-implemented method of claim 15, wherein the message from the bank relates to an involvement of the bank in the banking center community.

17. The computer-implemented method of claim 1, further comprising:

determining the banking center community associated with the banking center based at least partially on transaction data associated with the banking center.

18. An apparatus comprising:

a computer system;

a memory system communicably coupled to the computer system and comprising content stored therein; and

a banking center community display server application operable on the computer system, wherein the banking center community display server application is configured to;

identify a banking center community associated with a banking center;

select content from the memory system based at least partially on the banking center community; and

present the content to a user interface located at the banking center.

19. The apparatus of claim 18, wherein the banking center community display server application is further configured to:

identify a banking center community associated with a location of the banking center.

20. The apparatus of claim 18, wherein the banking center community display server application is further configured to:

identify a user community associated with a user of the user interface; and

determine the content based on the banking center community and user community.

21. The apparatus of claim 18, wherein the banking center community display server application is further configured to:

receive user input from the user interface;

select additional content from the memory system based on the user input; and

present the additional content to the user interface.

22. The apparatus of claim 18, wherein the banking center community display server application is configured to identify a banking center community associated with a banking center by determining a geographic area with which the banking center is associated.

23. The apparatus of claim 22, wherein the geographic area comprises at least one of a country that the banking center is within, a state that the banking center is within, a county that the banking center is within, a municipality that the banking center is within, an electoral district that the banking center is within, a metropolitan area that the banking center is within, a facility that the banking center is associated with, a zip code that the banking center is within, or an area defined by a circle created by a pre-determined radius from the banking center.

24. The apparatus of claim 18, wherein the banking center comprises a bank branch, and wherein the user interface comprises a display device in a lobby of the bank branch.

25. The apparatus of claim 18, wherein banking center comprises an automated teller machine, and wherein the user interface comprises a display device associated with and located proximate to the automated teller machine.

26. The apparatus of claim 18, further comprising:

a user input device configured to allow customers of the bank to provide the content stored in the memory system.

27. A non-transitory computer readable medium having computer usable program code embodied therein for providing a banking center community display, the non-transitory computer readable storage medium comprising:

computer usable program code configured to identify a user interface, the user interface associated with a banking center accessible to a user;

computer usable program code configured to determine a community, the community comprising a banking center community associated with the banking center;

computer usable program code configured to determine content based on the community; and

computer usable program code configured to present the content.

28. The computer readable storage medium of claim 27, further comprising computer usable program code configured to identify the user of the user interface, the user having a user community.

29. The computer readable storage medium of claim 28, wherein the community further comprises the user community.

30. The computer readable storage medium of claim 27, further comprising:

computer usable program code configured to receive and respond to an input from the user.

31. The computer readable storage medium of claim 27, wherein the content is provided by a bank based on an involvement of the bank in the community.

32. The computer readable storage medium of claim 27, wherein the content is provided by a customer of the bank.