UTILIZING SHARED CUSTOMER DATA

• US 20140278736A1
• Filed: 03/12/2013
• Published: 09/18/2014
• Est. Priority Date: 03/12/2013
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Qaim-Maqami, Hood
• Application Number:
  US13/796,273
• Publication Number:
  US 20140278736A1
• Time in Patent Office: Days
• US Class Current: 705/7.29
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data

Abstract

Methods, systems, computer-readable media, and apparatuses for utilizing shared customer data are presented. In some embodiments, a computing device may detect a mobile device that is linked to a user account. Subsequently, the computing device may identify a user of the mobile device, based on shared customer data associated with the user account. The computing device also may retrieve customer information associated with the identified user from the shared customer data. Then, the computing device may provide the retrieved customer information to at least one merchant device. In one or more embodiments, the shared customer data may be collected by at least two different commercial entities, and the shared customer data may be available for use by the at least two different commercial entities.

Claims

1. A computing device, comprising:

at least one processor; and

memory storing computer readable instructions that, when executed by the at least one processor, cause the computing device to;

detect a mobile device that is linked to a user account;

identify a user of the mobile device, based on shared customer data associated with the user account;

retrieve customer information associated with the identified user from the shared customer data; and

provide the retrieved customer information to at least one merchant device.

2. The computing device of claim 1, wherein detecting the mobile device is based on geolocation data obtained from the mobile device.

3. The computing device of claim 1, wherein detecting the mobile device is based on receiving at least one message from a mobile banking application that is configured to be executed on the mobile device.

4. The computing device of claim 3,

wherein the mobile device is detected during a visit to a banking center operated by a financial institution, and

wherein the mobile banking application is provided by the financial institution.

5. The computing device of claim 1, wherein the retrieved customer information provided to the at least one merchant device is configured to cause an entity operating a location being visited by the mobile device to provide the identified user with a first level of service different from a second level of service provided to a non-identified customer.

6. The computing device of claim 5, wherein the retrieved customer information provided to the at least one merchant device is configured to cause the entity to recognize the identified user as a preferred customer.

7. A method, comprising:

detecting, by a computing device, a mobile device that is linked to a user account;

identifying, by the computing device, a user of the mobile device, based on shared customer data associated with the user account;

retrieving, by the computing device, customer information associated with the identified user from the shared customer data; and

providing, by the computing device, the retrieved customer information to at least one merchant device.

8. The method of claim 7, wherein the shared customer data is collected by at least two different commercial entities.

9. The method of claim 7, wherein the shared customer data is available for use by at least two different commercial entities.

10. The method of claim 7,

wherein the at least one merchant device is operated by a first commercial entity being visited by the user of the mobile device, and

wherein the user of the mobile device is identified based on customer data collected by a second commercial entity different from the first commercial entity.

11. The method of claim 7, wherein the at least one merchant device is a tablet computer.

12. The method of claim 7, wherein the at least one merchant device is an electronic sign.

13. The method of claim 12, wherein providing the retrieved customer information to the at least one merchant device includes causing the electronic sign to be dynamically updated to display content that is selected based on the identity of the user of the mobile device.

14. The method of claim 7, wherein identifying the user of the mobile device includes:

determining that the mobile device is linked to at least two user accounts;

causing the mobile device to prompt the user to select a first user account of the at least two user accounts to be used for identification; and

receiving the selection from the mobile device.

15. The method of claim 7, wherein detecting the mobile device is based on geolocation data obtained from the mobile device.

16. The method of claim 7, wherein detecting the mobile device is based on receiving at least one message from a mobile banking application that is configured to be executed on the mobile device.

17. One or more non-transitory computer-readable media having computer-executable instructions stored thereon that, when executed by a computing device, cause the computing device to:

detect a mobile device that is linked to a user account;

identify a user of the mobile device, based on shared customer data associated with the user account;

retrieve customer information associated with the identified user from the shared customer data; and

provide the retrieved customer information to at least one merchant device.

18. The one or more non-transitory computer-readable media of claim 17, wherein detecting the mobile device is based on geolocation data obtained from the mobile device.

19. The one or more non-transitory computer-readable media of claim 17,

wherein the shared customer data is collected by at least two different commercial entities, and

wherein the shared customer data is available for use by the at least two different commercial entities.

20. The one or more non-transitory computer-readable media of claim 17,

wherein the at least one merchant device is operated by a first commercial entity being visited by the user of the mobile device, and

wherein the user of the mobile device is identified based on customer data collected by a second commercial entity different from the first commercial entity.