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
First Claim
Patent Images
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.
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Accused Products
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.
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Citations
20 Claims
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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.- View Dependent Claims (2, 3, 4, 5, 6)
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7. A method comprising:
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(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. - View Dependent Claims (8, 9, 10)
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11. A method comprising:
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(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. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification