Banking system computer determines nearest bank able to process a customer's transaction request, provides directions to the bank, and sends transaction request information and customer's image to the bank before the customer arrives at the bank

• US 8,091,778 B1
• Filed: 04/27/2010
• Issued: 01/10/2012
• Est. Priority Date: 11/13/2007
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Nelson, Jr., Donald S., Magee, Paul D., Graef, H. Thomas, Block, James
• Primary Examiner(s): Lee, Michael G
• Assistant Examiner(s): ELLIS, SUEZU Y
• Application Number:
  US12/799,551
• Time in Patent Office: 623 Days
• Field of Search: 235/379, 235/382, 705/35, 705/39, 705/42, 705/43
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]

Abstract

A banking system computer can receive a transaction request from a remotely located customer, and then determine the nearest bank in the banking system that is able to process the transaction request. The computer then provides the customer with directions to the bank. Before arrival of the customer at the bank, the computer provides the bank with each of notification of the impending arrival of the customer, transaction information usable by the bank to process the transaction request, and an image of the customer. Personnel at the bank can then recognize and greet the arriving customer.

Claims

1. Apparatus comprising:

a computer system associated with a banking system comprising at least one bank including a first bank,

wherein the banking system includes a plurality of customer transaction locations,

wherein at least one customer transaction location includes a first customer transaction location comprising a card reader operative to read customer card data from a data bearing card,

wherein the banking system is operative to utilize customer card data read by the card reader in authorizing use of the first customer transaction location by a transaction location customer to carry out a financial transaction associated with a financial account of the transaction location customer,

wherein the computer system is operative to receive data provided through a customer device by a banking customer remotely located from the first bank, where the data corresponds to a customer request for a banking transaction and includes personal information,

wherein the computer system is operative responsive at least in part to receiving the data, to obtain customer information corresponding to the banking customer from at least one banking data store,

wherein the computer system is operative responsive at least in part to receiving the data, to determine that the banking transaction needs to be completed at a bank,

wherein the computer system is operative responsive at least in part to the determination, to cause at least one message to be sent to the first bank,

 

wherein the at least one message is indicative of impending arrival of the banking customer at the first bank,

 

wherein the at least one message includes the customer information,

 

wherein the computer system is operative to cause the at least one message to be sent to the first bank prior to arrival of the banking customer at the first bank.

2. The apparatus according to claim 1 wherein the first customer transaction location comprises an automated banking machine,

wherein the machine includes a cash dispenser,

wherein the machine is operative to carry out a cash withdraw transaction,

wherein the machine includes at least one computer, the card reader, and a biometric reader,

wherein the at least one computer is operative to cause card data read by the card reader to be compared with card information stored in a user identification data store,

wherein the at least one computer is operative to cause customer biometric data read by the biometric reader to be compared with biometric information in the user identification data store,

wherein a customer is authorized to use the machine to request a transaction responsive at least in part to both

computer-determined correspondence between read card data and stored card information, and

computer-determined correspondence between read biometric data and stored biometric information.

3. The apparatus according to claim 1 wherein the computer system is operative responsive at least in part to receiving the data, to process part of the banking transaction before causing the at least one message to be sent to the first bank.

4. The apparatus according to claim 1 wherein the customer device comprises a wireless mobile device, wherein the computer system is operative to receive the data through the wireless mobile device.

5. The apparatus according to claim 1 wherein customer information in the at least one message enables at least part of the banking transaction to be processed at the first bank before arrival of the banking customer at the first bank.

6. The apparatus according to claim 1 wherein the computer system is operative to obtain customer information comprising an image of the banking customer from the at least one banking data store, and wherein the computer system is operative to cause the image to be sent to the first bank.

7. A method comprising:

(a) operating a computer system associated with a banking system comprising at least one bank including a first bank, to receive data provided through a customer device by a banking customer remotely located from the first bank, wherein the data received corresponds to a customer request for a banking transaction, wherein the data received includes personal information;

(b) operating the computer system responsive at least in part to the data received in (a) to obtain customer information corresponding to the banking customer from at least one banking data store;

(c) operating the computer system responsive at least in part to the data received in (a) to determine that the banking transaction should be completed at the first bank; and

(d) operating the computer system responsive at least in part to (c) to cause at least one message which is indicative of impending arrival of the banking customer at the first bank and which includes the customer information obtained in (b), to be sent to the first bank before arrival of the banking customer at the first bank.

8. The method according to claim 7 and further comprising

(e) subsequent to (d), operating a reader device at the first bank to read identifying data from a data bearing record of the banking customer, wherein the identifying data is associated with a financial account of the banking customer;

(f) operating the computer system to determine at least in part from the identifying data read in (e), that the banking customer is authorized to continue the banking transaction at the first bank.

9. The method according to claim 7 and further comprising

(e) prior to (d), operating the computer system to process part of the banking transaction.

10. The method according to claim 7 wherein in (a) the customer device comprises a wireless mobile device.

11. A method comprising:

(a) operating a computer system associated with at least one bank to receive data corresponding to at least one transaction request inputted through a wireless mobile device by a banking customer;

(b) operating the computer system responsive at least in part to the data received in (a) to determine that a first bank of the at least one bank has appropriate resources to enable processing of at least a first transaction involved in the at least one transaction request; and

(c) subsequent to (b), operating the computer system to cause at least one message to be sent to the first bank before arrival of the banking customer at the first bank,

wherein the at least one message is associated with greeting the banking customer to the first bank,

wherein the at least one message includes transaction information useable by the first bank in processing the first transaction.

12. The method according to claim 11 and further comprising

(d) prior to (c), operating the computer system to process part of the banking transaction.

13. The method according to claim 11 wherein the at least one transaction request comprises a request for plural banking transactions, and further comprising

(d) operating the computer system to determine which banking transaction to process first;

wherein (b) includes determining that the first bank has the appropriate resources based on (d).

14. The method according to claim 11 and further comprising

(d) subsequent to (b), operating the computer system to cause directions to the first bank to be provided to the wireless mobile device.

15. The method according to claim 11 wherein (b) includes determining that the first bank is the nearest bank having the capability to process the first transaction.

16. The method according to claim 11 and further comprising

(d) operating the computer system to detect when the banking customer arrives at the first bank.

17. The method according to claim 16 wherein (d) includes detecting a unique signal emitted by the wireless mobile device.

18. The method according to claim 11 wherein (c) includes operating the computer system to cause a greeting terminal at the first bank to present a personal message directed to the banking customer.

19. The method according to claim 11 and further comprising

(d) operating the computer system responsive at least in part to the data received in (a) to obtain customer information corresponding to the banking customer from at least one banking data store;

wherein (c) includes operating the computer system to send the customer information obtained in (d) to the first bank.

20. The method according to claim 19 wherein the customer information obtained in (d) includes an image of the banking customer, wherein (c) includes operating the computer system to send the image to the first bank.