IDENTIFICATION OF CUSTOMERS ELIGIBLE FOR ADDITIONAL ASSISTANCE PROGRAMS BASED ON INDOOR POSITIONING SYSTEM DETECTION OF PHYSICAL CUSTOMER PRESENCE

• US 20160012449A1
• Filed: 07/10/2014
• Published: 01/14/2016
• Est. Priority Date: 07/10/2014
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Hanson, Carrie Anne
• Application Number:
  US14/327,566
• Publication Number:
  US 20160012449A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 30/016 After-sales
• CPC Class Codes: H04W 4/021 Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences
• CPC Class Codes: H04W 4/33 for indoor environments, e.g. buildings

Abstract

A computing platform may receive a plurality of messages comprising data indicating physical presence of customers of a financial institution at a physical banking center location of the financial institution from an indoor positioning system located at the physical banking center location of the financial institution. Responsive to receiving the plurality of messages comprising the data indicating the physical presence of the customers of the financial institution at the physical banking center location of the financial institution, the computing platform may determine that at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is eligible for an additional assistance program offered by the financial institution.

Claims

1. A method, comprising:

at a computing platform comprising at least one processor, a memory, and a communication interface;

receiving, via the communication interface and from an indoor positioning system located at a physical banking center location of a financial institution, a plurality of messages comprising data indicating physical presence of customers of the financial institution at the physical banking center location of the financial institution; and

responsive to receiving the plurality of messages comprising the data indicating the physical presence of the customers of the financial institution at the physical banking center location of the financial institution, determining, by the at least one processor, that at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is eligible for an additional assistance program offered by the financial institution.

2. The method of claim 1, wherein the plurality of messages comprising data indicating the physical presence of the customers of the financial institution at the physical banking center location of the financial institution comprises a plurality of customer identifiers, each customer identifier of the plurality of customer identifiers identifying a customer of the customers of the financial institution at the physical banking center location of the financial institution.

3. The method of claim 2, comprising:

receiving, via the communication interface and from a customer management system of the financial institution, one or more messages comprising data indicating a plurality of customers of the financial institution that are eligible for one or more additional assistance programs offered by the financial institution;

generating, by the at least one processor, a plurality of records comprising the data indicating the plurality of customers of the financial institution that are eligible for the one or more additional assistance programs offered by the financial institution; and

storing, by the at least one processor and in the memory, the plurality of records comprising the data indicating the plurality of customers of the financial institution that are eligible for the one or more additional assistance programs offered by the financial institution.

4. The method of claim 3, wherein determining that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution comprises identifying, by the at least one processor and from amongst the plurality of records comprising the data indicating the plurality of customers of the financial institution that are eligible for the one or more additional assistance programs offered by the financial institution, at least one record comprising data associated with a customer identifier of the plurality of customer identifiers.

5. The method of claim 1, wherein the indoor positioning system comprises a plurality of personal computing devices presently in possession of the customers of the financial institution at the physical banking center location of the financial institution, and at least one location beacon that is located at the physical banking center location of the financial institution and configured to emit a signal comprising an identifier associated with the physical banking center location, and wherein receiving the plurality of messages comprising data indicating the physical presence of the customers of the financial institution at the physical banking center location of the financial institution comprises receiving, from the plurality of personal computing devices, data comprising the identifier associated with the physical banking center location.

6. The method of claim 5, wherein the indoor positioning system comprises a location beacon that is located at a first location of the physical banking center location of the financial institution and configured to emit a signal comprising an identifier associated with the first location of the physical banking center location of the financial institution, and a location beacon that is located at a second location of the physical banking center location of the financial institution and configured to emit a signal comprising an identifier associated with the second location of the physical banking center location of the financial institution, and wherein receiving the plurality of messages comprising data indicating physical presence of the customers of the financial institution at the physical banking center location of the financial institution comprises:

receiving messages comprising data indicating physical presence of a portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution; and

receiving messages comprising data indicating physical presence of a portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution.

7. The method of claim 6, wherein determining that at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution comprises:

determining, by the at least one processor, that a customer of the portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution; and

determining, by the at least one processor, that a customer of the portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution.

8. The method of claim 7, comprising:

receiving, via the communication interface and from the indoor positioning system located at the physical banking center location of the financial institution, messages comprising data indicating physical presence of associates of the financial institution at the first location of the physical banking center location of the financial institution; and

receiving, via the communication interface and from the indoor positioning system located at the physical banking center location of the financial institution, messages comprising data indicating physical presence of associates of the financial institution at the second location of the physical banking center location of the financial institution.

9. The method of claim 8, comprising:

identifying, by the at least one processor and from amongst the associates of the financial institution at the first location of the physical banking center location of the financial institution, an associate of the financial institution to assist the customer of the portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution with the additional assistance program offered by the financial institution; and

identifying, by the at least one processor and from amongst the associates of the financial institution at the second location of the physical banking center location of the financial institution, an associate of the financial institution to assist the customer of the portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution with the additional assistance program offered by the financial institution.

10. The method of claim 9, comprising:

generating, by the at least one processor, a message indicating that the customer of the portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution; and

generating, by the at least one processor, a message indicating that the customer of the portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution.

11. The method of claim 10, comprising:

identifying, by the at least one processor and based on the messages comprising data indicating physical presence of the portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution, a personal computing device presently in possession of the customer of the portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution;

identifying, by the at least one processor and based on the messages comprising data indicating physical presence of the portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution, a personal computing device presently in possession of the customer of the portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution;

communicating, via the communication interface and to the personal computing device presently in possession of the customer of the portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution, the message indicating that the customer of the portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution; and

communicating, via the communication interface and to the personal computing device presently in possession of the customer of the portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution, the message indicating that the customer of the portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution.

12. The method of claim 10, comprising:

identifying, by the at least one processor and based on the messages comprising data indicating physical presence of associates of the financial institution at the first location of the physical banking center location of the financial institution, a personal computing device presently in possession of the associate of the financial institution to assist the customer of the portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution with the additional assistance program offered by the financial institution;

identifying, by the at least one processor and based on the messages comprising data indicating physical presence of associates of the financial institution at the second location of the physical banking center location of the financial institution, a personal computing device presently in possession of the associate of the financial institution to assist the customer of the portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution with the additional assistance program offered by the financial institution;

communicating, via the communication interface and to the personal computing device presently in possession of the associate of the financial institution to assist the customer of the portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution with the additional assistance program offered by the financial institution, the message indicating that the customer of the portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution; and

communicating, via the communication interface and to the personal computing device presently in possession of the associate of the financial institution to assist the customer of the portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution with the additional assistance program offered by the financial institution, the message indicating that the customer of the portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution.

13. The method of claim 1, comprising:

responsive to determining that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution;

generating, by the at least one processor, a message identifying the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution, identifying the additional assistance program offered by the financial institution, and indicating that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution; and

communicating, via the communication interface and to at least one computing device located at the physical banking center location of the financial institution, the message identifying the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution, identifying the additional assistance program offered by the financial institution, and indicating that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution.

14. The method of claim 13, comprising identifying, by the at least one processor and based on the plurality of messages comprising data indicating physical presence of customers of the financial institution at the physical banking center location of the financial institution, the at least one computing device located at the physical banking center location of the financial institution, the at least one computing device located at the physical banking center location of the financial institution comprising a personal computing device presently in possession of the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution.

15. The method of claim 13, comprising:

receiving, via the communication interface and from the indoor positioning system located at the physical banking center location of the financial institution, a plurality of messages comprising data indicating physical presence of associates of the financial institution at the physical banking center location of the financial institution; and

identifying, by the at least one processor and based on the plurality of messages comprising data indicating physical presence of associates of the financial institution at the physical banking center location of the financial institution, the at least one computing device located at the physical banking center location of the financial institution, the at least one computing device located at the physical banking center location of the financial institution comprising a personal computing device presently in possession of an associate of the associates of the financial institution at the physical banking center location of the financial institution.

16. The method of claim 1, wherein determining that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution comprises determining that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is eligible for an additional assistance program offered by the financial institution that comprises a workout program for addressing one or more loans for which the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is currently eligible.

17. The method of claim 1, wherein determining that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution comprises determining that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is eligible for an additional assistance program offered by the financial institution that comprises verifying one or more charges incurred by the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution.

18. The method of claim 1, wherein determining that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution comprises determining that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is eligible for an additional assistance program offered by the financial institution that comprises an incentive program for maintaining an account the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has with the financial institution that has a transaction history indicative of imminent closure.

19. An apparatus, comprising:

at least one processor;

a communication interface; and

a memory storing instructions that when executed by the at least one processor cause the apparatus to;

receive, via the communication interface and from an indoor positioning system located at a physical banking center location of a financial institution, a plurality of messages comprising data indicating physical presence of customers of the financial institution at the physical banking center location of the financial institution;

determine that at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is eligible for an additional assistance program offered by the financial institution; and

responsive to determining that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution;

generate a message identifying the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution, identifying the additional assistance program offered by the financial institution, and indicating that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution; and

communicate, via the communication interface and to at least one computing device located at the physical banking center location of the financial institution, the message identifying the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution, identifying the additional assistance program offered by the financial institution, and indicating that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution is eligible for the additional assistance program offered by the financial institution.

20. One or more non-transitory computer-readable media having instructions stored thereon that when executed by one or more computers cause the one or more computers to:

receive, from an indoor positioning system located at a physical banking center location of a financial institution, a plurality of messages comprising data indicating physical presence of customers of the financial institution at the physical banking center location of the financial institution and associates of the financial institution at the physical banking center location of the financial institution;

identify, from amongst the customers of the financial institution at the physical banking center location of the financial institution, at least one customer that is eligible for an additional assistance program offered by the financial institution; and

identify, from amongst the associates of the financial institution at the physical banking center location of the financial institution, at least one associate to assist the at least one customer that is eligible for the additional assistance program offered by the financial institution.