SELF-SERVICE USING MOBILE DEVICE

• US 20140156506A1
• Filed: 11/30/2012
• Published: 06/05/2014
• Est. Priority Date: 11/30/2012
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Grigg, David M., Calman, Matthew A., Hanson, Carrie Anne, Warshawsky, Marc Lance
• Application Number:
  US13/690,113
• Publication Number:
  US 20140156506A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

Embodiments of the invention are directed to systems, methods and computer program products for enabling self-service at a facility. In some embodiments, a system is configured to: determine a user has entered a facility or is a predetermined distance from the facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user'"'"'s visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; prompt the user to perform, on the mobile device, an action associated with the intended transaction while the user is waiting to interact with at least one of the agent or the computing device.

Claims

1. An apparatus for serving a user at a facility, the apparatus comprising:

a memory;

a processor; and

a module stored in the memory, executable by the processor, and configured to;

determine a user has entered a facility or is a predetermined distance from the facility, wherein the user has a mobile device, and wherein the user is waiting to interact with an agent at or away from the facility;

communicate with the mobile device to identify the user;

access information associated with the user, the information comprising information associated with the user'"'"'s account including transactions previously executed by the user at the facility;

communicate with the mobile device to determine a reason for the user'"'"'s visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility;

determine a wait period for the user to interact with the agent at the facility based on at least the reason for the user'"'"'s visit to the facility;

prompt the user to execute, on the mobile device, an action associated with the intended transaction, wherein the action associated with the intended transaction comprises at least partially executing the transaction on the mobile device based on at least a duration of the wait period; and

direct the user to the agent based on at least a predetermined time after the user execution of the at least partial action on the mobile device.

2. The apparatus of claim 1, wherein the facility is associated with an entity.

3. The apparatus of claim 2, wherein the user has an account that is managed by the entity.

4. The apparatus of claim 2, wherein the entity comprises a financial institution.

7. The apparatus of claim 1, wherein, the module is configured to direct the user to the agent at the facility or the computing device at the facility in response to determining the user has performed the action associated with the intended transaction.

8. The apparatus of claim 1, wherein the module is further configured to identify the user based on information received from the mobile device, the information comprising at least one of information associated with the mobile device, information associated with the user, or information associated with the user'"'"'s account.

9. The apparatus of claim 8, wherein, the module is further configured to transmit information to the mobile device in response to identifying the user, the transmitted information associated with one or more transactions frequently executed by the user.

10. The apparatus of claim 9, wherein the transmitted information guides the user on how to execute the one or more frequently executed transactions without visiting the facility, wherein the information comprises audiovisual content.

11. The apparatus of claim 1, wherein, the module is further configured to transmit information associated with the intended transaction to the mobile device, wherein the information enables the user to execute the transaction on the mobile device.

12. The apparatus of claim 11, wherein the transmitted information enables the user to execute the intended transaction without interacting with an agent associated with the facility.

13. The apparatus of claim 1, wherein the communication occurs via one or more long-range or short-range wireless communication methods or via readable indicia.

14. The apparatus of claim 1, wherein the communication with the mobile device comprises:

prompting the user to input, on the mobile device, the reason for the user'"'"'s visit;

receiving the reason for the user'"'"'s visit from the mobile device,

wherein the user inputs the reason by inputting text or voice into the mobile device or by selecting one or more transactions from a list of transactions presented on a user interface of the mobile device, wherein the list of transactions comprises at least one of a last transaction executed by the user, a transaction most frequently executed by the user during a predetermined period, a transaction most frequently executed by users who visit the facility, or a transaction most frequently executed by users who visit the facility with a similar user profile as the user.

15. The apparatus of claim 1, wherein the user entered the facility via a drive-through lane associated with the facility.

16. The apparatus of claim 1, wherein the mobile device comprises or is part of a motor vehicle.

17. The apparatus of claim 1, wherein the module enables the user to bookmark a transaction and continue the transaction at a later point in time.

18. The apparatus of claim 1, wherein the user is identified based on at least one of a name of the user, an account number, a payment card number associated with the account, an alias associated with the account, or authentication credentials associated with the account.

5. (canceled)

6. (canceled)

19. A method for serving a user at a facility, the method comprising:

determining, using a computing device processor, a user has entered a facility or is a predetermined distance from the facility, wherein the user has a mobile device, and wherein the user is waiting to interact with an agent at or away from the facility;

communicating, using a computing device processor, with the mobile device to identify the user;

accessing, using a computing device processor, information associated with the user, the information comprising information associated with the user'"'"'s account including transactions previously executed by the user at the facility;

communicating, using a computing device processor, with the mobile device to determine a reason for the user'"'"'s visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility;

determining, using a computing device processor, a wait period for the user to interact with the agent at the facility or the computing device at the facility based on at least the reason for the user'"'"'s visit to the facility;

prompting, using a computing device processor, the user to execute, on the mobile device, an action associated with the intended transaction, wherein the action associated with the intended transaction comprises at least partially executing the transaction on the mobile device based on at least a duration of the wait period; and

directing, using a computing device processor, the user to the agent based on at least a predetermined time after the user execution of the at least partial action on the mobile device.

20. A computer program product for serving a user at a facility, the computer program product comprising:

a non-transitory computer-readable medium comprising a set of codes for causing a computer to;

determine a user has entered a facility or is a predetermined distance from the facility, wherein the user has a mobile device, and wherein the user is waiting to interact with an agent at or away from the facility;

communicate with the mobile device to identify the user;

access information associated with the user, the information comprising information associated with the user'"'"'s account including transactions previously executed by the user at the facility;

communicate with the mobile device to determine a reason for the user'"'"'s visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility;

determine a wait period for the user to interact with the agent at the facility or the computing device at the facility based on at least the reason for the user'"'"'s visit to the facility;

prompt the user to execute, on the mobile device, an action associated with the intended transaction, wherein the action associated with the intended transaction comprises at least partially executing the transaction on the mobile device based on at least a duration of the wait period; and

direct the user to the agent based on at least a predetermined time after the user execution of the at least partial action on the mobile device.