SECURE PROXIMATE LOCATION BANKING

• US 20140156525A1
• 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
• Application Number:
  US13/691,197
• Publication Number:
  US 20140156525A1
• Time in Patent Office: Days
• US Class Current: 705/42
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A system provides assistance to a user having a user device proximate a financial institution location. The system determines a user device is within a wireless communication range of the system; establishes a secure connection between the system and the user device; receives user input comprising information indicating a user purpose for visiting the location; and transmits at least one communication based at least in part on the received user purpose for visiting the location. In some embodiments, the system receives user authentication information; authenticates the identity of the user; provides the user access to transactional functionality; receives user information indicating a type of transaction and transaction details; processes the user information to conduct a transaction based at least in part on the type of transaction and the transaction details received from the user; and communicates a message indicating the transaction has been processed to the user.

Claims

1. A system for providing assistance to a user having a user device proximate a financial institution location, the system comprising:

a memory device storing computer executable code;

a processing device to execute the computer executable code to cause the processing device to;

determine the user device is within a wireless communication range of the system;

establish a secure connection between the system and the user device;

receive, from the user device and over the secure connection, user input comprising information indicating a user purpose for visiting the location; and

transmit, to the user device and over the secure connection, at least one communication based at least in part on the received user purpose for visiting the location.

2. The system of claim 1, wherein the processing device executes the computer executable code to further cause the processing device to:

receive user authentication information;

authenticate the identity of the user; and

provide the user access to transactional functionality.

3. The system of claim 2, wherein the processing device executes the computer executable code to further cause the processing device to:

receive user information indicating a type of transaction and transaction details;

process the user information to conduct a transaction based at least in part on the type of transaction and the transaction details received from the user; and

communicate a message indicating the transaction has been processed to the user.

4. The system of claim 3, wherein the processing device executes the computer executable code to further cause the processing device to:

communicate a message requesting the user to physically approach a station of the location for completion of the transaction.

5. The system of claim 4, wherein the processing device executes the computer executable code to further cause the processing device to:

present transaction processing information based on the processed transaction to a financial institution associate proximate the station of the location so that the associate may interact with the user regarding the transaction when the user approaches the station.

6. The system of claim 4, wherein the processing device executes the computer executable code to further cause the processing device to:

communicate transaction information to an interface of the station so that the interface may interact with the user regarding the transaction when the user approaches the station.

7. The system of claim 1, wherein the user device comprises a tablet computer, a smartphone, a personal digital assistant, or an electronic system attached to a vehicle and wherein the wireless communication range of the system encompasses a drive through location of the financial institution location or a parking lot of the financial institution location.

8. A computer program product configured for providing assistance to a user having a user device proximate a financial institution location, the computer program product comprising a non-transitory computer readable medium comprising computer-executable instructions stored therein, the computer-executable instructions to cause a processing device to:

determine the user device is within a wireless communication range of the system;

establish a secure connection between the system and the user device;

receive, from the user device and over the secure connection, user input comprising information indicating a user purpose for visiting the location; and

transmit, to the user device and over the secure connection, at least one communication based at least in part on the received user purpose for visiting the location.

9. The computer program product of claim 8, wherein the computer-executable instructions further cause the processing device to:

receive user authentication information;

authenticate the identity of the user; and

provide the user access to transactional functionality.

10. The computer program product of claim 9, wherein the computer-executable instructions further cause the processing device to:

receive user information indicating a type of transaction and transaction details;

process the user information to conduct a transaction based at least in part on the type of transaction and the transaction details received from the user; and

communicate a message indicating the transaction has been processed to the user.

11. The computer program product of claim 10, wherein the computer-executable instructions further cause the processing device to:

communicate a message requesting the user to physically approach a station of the location for completion of the transaction.

12. The computer program product of claim 11, wherein the computer-executable instructions further cause the processing device to:

present transaction processing information based on the processed transaction to a financial institution associate proximate the station of the location so that the associate may interact with the user regarding the transaction when the user approaches the station.

13. The computer program product of claim 11, wherein the computer-executable instructions further cause the processing device to:

communicate transaction information to an interface of the station so that the interface may interact with the user regarding the transaction when the user approaches the station.

14. The computer program product of claim 8, wherein the user device comprises a tablet computer, a smartphone, a personal digital assistant, or an electronic system attached to a vehicle and wherein the wireless communication range of the system encompasses a drive through location of the financial institution location or a parking lot of the financial institution location.

15. A computer-implemented method for providing assistance to a user having a user device proximate a financial institution location, the method comprising:

using a computer processor operating computer program code instructions stored in a non-transitory computer readable medium, wherein said computer program code instructions cause said computer processor to;

determine the user device is within a wireless communication range of the system;

establish a secure connection between the system and the user device;

receive, from the user device and over the secure connection, user input comprising information indicating a user purpose for visiting the location; and

transmit, to the user device and over the secure connection, at least one communication based at least in part on the received user purpose for visiting the location.

16. The computer-implemented method of claim 15, wherein said computer program code instructions further cause said computer processor to:

receive user authentication information;

authenticate the identity of the user; and

provide the user access to transactional functionality.

17. The computer-implemented method of claim 16, wherein said computer program code instructions further cause said computer processor to:

receive user information indicating a type of transaction and transaction details;

process the user information to conduct a transaction based at least in part on the type of transaction and the transaction details received from the user; and

communicate a message indicating the transaction has been processed to the user.

18. The computer-implemented method of claim 17, wherein said computer program code instructions further cause said computer processor to:

communicate a message requesting the user to physically approach a station of the location for completion of the transaction.

19. The computer-implemented method of claim 18, wherein said computer program code instructions further cause said computer processor to:

present transaction processing information based on the processed transaction to a financial institution associate proximate the station of the location so that the associate may interact with the user regarding the transaction when the user approaches the station.

20. The computer-implemented method of claim 18, wherein said computer program code instructions further cause said computer processor to:

communicate transaction information to an interface of the station so that the interface may interact with the user regarding the transaction when the user approaches the station.

21. The computer-implemented method of claim 15, wherein the user device comprises a tablet computer, a smartphone, a personal digital assistant, or an electronic system attached to a vehicle and wherein the wireless communication range of the system encompasses a drive through location of the financial institution location or a parking lot of the financial institution location.