SYSTEMS AND METHODS FOR LEVERAGING MICRO-LOCATION DEVICES FOR IMPROVED TRAVEL AWARENESS

• US 20170041759A1
• Filed: 08/03/2015
• Published: 02/09/2017
• Est. Priority Date: 08/03/2015
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: GANTERT, BRIAN S., ARNONE, JOSEPH P., McMILLEN, RICHARD W.
• Granted Patent: US 10,492,163 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G01S 1/0428 Signal details
• CPC Class Codes: G01S 2201/025 Indoor pedestrian positioning
• CPC Class Codes: G01S 5/0295 Proximity-based methods, e.g. position inferred from reception of particular signals
• CPC Class Codes: G01S 5/14 Determining absolute distances from a plurality of spaced points of known location
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: H04W 4/029 Location-based management or tracking services
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
• CPC Class Codes: H04W 40/244 using a network of reference devices, e.g. beaconing
• CPC Class Codes: H04W 64/00 Locating users or terminals or network equipment for network management purposes, e.g. mobility management
• CPC Class Codes: H04W 84/18 Self-organising networks, e.g. ad-hoc networks or sensor networks

Abstract

Systems and methods for leveraging micro-location devices for improved travel awareness are disclosed. In one embodiment, a system for performing a location-based action in a network of micro-location devices may include a plurality of micro-location devices, each micro-location devices associated with a unique identifier and a location, each of the plurality of micro-location devices transmitting a signal comprising its associated unique identifier; a backend in communication with a database, the database storing the unique identifier and location associated with each of the micro-location devices; and a mobile device that receives a signal comprising a unique identifier from one of the plurality of micro-location devices and communicates the unique identifier to the backend. The backend may determine a mobile device location based on the unique identifier received from the mobile device and may perform an action based on the mobile device location

Claims

1. A system for performing a location-based action in a network of micro-location devices, comprising:

a plurality of micro-location devices, each micro-location devices associated with a unique identifier and a location, each of the plurality of micro-location devices transmitting a signal comprising its associated unique identifier;

a backend in communication with a database, the database storing the unique identifier and location associated with each of the micro-location devices; and

a mobile device that receives a signal comprising a unique identifier from one of the plurality of micro-location devices and communicates the unique identifier to the backend;

wherein the backend determines a mobile device location based on the unique identifier received from the mobile device; and

wherein the backend performs an action based on the mobile device location.

2. The system of claim 1, wherein the signal is a Bluetooth low energy signal.

3. The system of claim 1, wherein the action based on the mobile device location comprises updating a location for a user of the mobile device.

4. The system of claim 1, wherein at least one of the plurality of micro-location devices is part of a tablet computer.

5. The system of claim 1, wherein at least one of the plurality of micro-location devices is part of an automated teller machine.

6. The system of claim 1, wherein the backend further determines the mobile device location based on a strength of the signal received by the mobile device.

7. The system of claim 1, further comprising:

a rules engine that applies business rules to determine an offer or information to push to the mobile device based on the mobile device location.

8. A method for performing a location-based action in a network comprising a plurality of micro-location devices, each micro-location device broadcasting a signal comprising a unique identifier, comprising:

a backend comprising at least one computer processor receiving a unique identifier that is associated with and broadcast as a signal by one of a plurality of micro-location devices and received by a mobile application executed by a mobile device and a user identifier that is associated with a user of the mobile application;

the backend retrieving a micro-location device location from a database based on the unique identifier;

the backend determining a mobile device location based on the micro-location device location; and

the backend performing an action based on the mobile device location.

9. The method of claim 8, wherein the action comprises:

the backend retrieving a message to provide to the mobile application based on the mobile device location; and

the backend pushing the message to the mobile application.

10. The method of claim 8, wherein the action comprises:

the backend adjusting a spending profile for an account associated with the user identifier based on the mobile device location.

11. The method of claim 10, wherein the account is a financial transaction account.

12. The method of claim 8, wherein the action comprises:

the backend updating a location history database to improve transaction authorization rules and fraud detection.

13. The method of claim 8, wherein the backend further determines the mobile device location based on a strength of the signal received by the mobile device.

14. The method of claim 8, wherein the backend further provides a third party with the user identifier and the mobile device location.

15. The method of claim 8, further comprising:

the backend receiving a second unique identifier that is associated with and broadcast as a second signal by a second micro-location device and received by the mobile application;

the backend retrieving a second micro-location device location from a database based on the second unique identifier;

the backend updating the mobile device location based on the second micro-location device location; and

the backend performing a second action based on the updated mobile device location.

16. The method of claim 15, wherein the first action comprises adding an account associated with the user identifier to a location history database, and the second action comprises updating an account status in the database and taking an action based on at least one business rule.

17. A method for performing a location-based action in a network comprising a plurality of micro-location devices, each micro-location device broadcasting a signal comprising a unique identifier, comprising:

a backend comprising at least one computer processor receiving a first unique identifier that is associated with and broadcast as a first signal by a first micro-location device and received by a mobile application executed by a mobile device and a user identifier that is associated with a user of the mobile application;

the backend retrieving a first micro-location device location from a first database based on the first unique identifier, wherein the first database comprises a mapping of a unique identifiers to a micro-location device location;

the backend receiving a second unique identifier that is associated with and broadcast as a second signal by a second micro-location device and received by the mobile application;

the backend retrieving a second micro-location device location from the first database comprising based on the second unique identifier;

the backend determining a direction of travel of the mobile device based on the first micro-location device location and the second micro-location device location;

the backend retrieving, from a second database, content based on the direction of travel of the mobile device, wherein the second database comprises location-specific content; and

the backend pushing the content to the mobile application.

18. The method of claim 17, wherein the content comprises information regarding at least one service.

19. The method of claim 17, further comprising:

the backend updating a location history database for the mobile device.

20. The method of claim 17, wherein the backend further provides a third party with the user identifier and the mobile device location.