Processing of pre-staged transactions

• US 9,432,804 B2
• Filed: 07/10/2014
• Issued: 08/30/2016
• Est. Priority Date: 07/10/2014
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Hanson, Carrie Anne, Cardinal, Don, Scanlon, Sharon, Gill, Davindar, Jones, Alicia C., Lewis, Russell
• Primary Examiner(s): HTUN, SAN A
• Application Number:
  US14/327,847
• Publication Number:
  US 20160014552A1
• Time in Patent Office: 782 Days
• Field of Search: 235/380, 235/494, 235/379, 235/487
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: H04W 4/02 Services making use of location information

Abstract

Systems and methods for using proximity positioning systems to determine an identity and location of a user, and process a pre-staged transaction based on the determined information are provided. In some examples, a transaction may be initiated by a user. A financial institution may pre-process the transaction and, upon establishing a physical presence of the user at a banking center, may further process and/or complete the transaction. The physical presence of the user may be established based on a signal from a location beacon at the banking center being detected by a personal computing device of the user. Because the personal computing device is within a predefined proximity of the location beacon in order to detect the signal, the location of the location beacon, and, thus the personal computing device may be determined, and an identity of the user may be determined.

Claims

1. A method, comprising:

pre-staging, at a first location, a plurality of transactions;

receiving, by a location determination and user identification system having at least one processor, data associated with a signal detected by a personal computing device, the signal being emitted from a location beacon at a second location, the second location being a banking center of a financial institution and being different from the first location;

determining, by the location determination and user identification system, a location of the personal computing device based on the received data associated with the signal emitted from the location beacon, wherein the location of the personal computing device is within a predefined proximity of the second location at which the location beacon is located;

extracting, by the location determination and user identification system, a unique identifier associated with the personal computing device;

determining, by the location determination and user identification system and based on the extracted unique identifier associated with the personal computing device, an identity of a user associated with the personal computing device located at the determined location;

identifying at least one pre-staged transaction of the plurality of transactions that is associated with the identified user associated with the personal computing device;

based on the determined location of the personal computing device being within the predefined proximity of the second location at which the location beacon is located and the determined identity of the user, authorizing the at least one identified pre-staged transaction for further processing, the authorizing being based on the determined location of the personal computing device being within the predefined proximity of the second location and the determined identity of the user and without additional authorization;

processing the at least one identified pre-staged transaction based on the authorization based on the determination of the location of the personal computing device being within the predefined proximity of the second location at which the location beacon is located and the determined identity of the user; and

generating a notification indicating processing of the at least one identified pre-staged transaction.

2. The method of claim 1, further including:

based on the determined location of the personal computing device and the determined identity of the user, determining that the user has a physical presence at the determined location; and

authorizing the at least one identified pre-staged transaction for further processing based on the determined physical presence of the user.

3. The method of claim 1, wherein processing the at least one identified pre-staged transaction includes completing the at least one identified pre-staged transaction.

4. The method of claim 1, wherein the at least one identified pre-staged transaction is pre-staged by the identified user.

5. The method of claim 4, wherein the at least one identified pre-staged transaction is pre-staged by the identified user via the personal computing device.

6. The method of claim 4, wherein the at least one identified pre-staged transaction is pre-staged by the identified user via a computing device different from the personal computing device.

7. The method of claim 1, further including:

transmitting the generated notification to the personal computing device of the user.

8. The method of claim 7, wherein the notification further includes information associated with a location at which the user may complete the at least one identified pre-staged transaction.

9. The method of claim 8, wherein the location at which the user may complete the at least one identified pre-staged transaction includes a secure container containing one or more items associated with the at least one identified pre-staged transaction.

10. The method of claim 8, wherein the notification further includes an access code to access the secure container.

11. The method of claim 1, wherein authorizing the at least one identified pre-staged transaction for further processing is based only on the determined location of the personal computing device being within the predefined proximity of the second location and the determined identity of the user.

12. An apparatus, comprising:

at least one processor communicating via a communication interface; and

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

pre-stage, at a first location, a plurality of transactions;

receive data associated with a signal detected by a personal computing device, the signal being emitted from a location beacon at a second location, the second location being a banking center of a financial institution and being different from the first location;

determine a location of the personal computing device based on the received data associated with the signal emitted from the location beacon, wherein the location of the personal computing device is within a predefined proximity of the second location at which the location beacon is located;

extract a unique identifier associated with the personal computing device;

determine, based on the extracted unique identifier associated with the personal computing device, an identity of a user associated with the personal computing device located at the location;

identify at least one pre-staged transaction of the plurality of transactions that is associated with the identified user associated with the personal computing device;

based on the determined location of the personal computing device being within the predefined proximity of the second location at which the location beacon is located and the determined identity of the user, authorizing the at least one identified pre-staged transaction for further processing, the authorizing being based on the determined location of the personal computing device being within the predefined proximity of the second location and the determined identity of the user and without additional authorization;

process the at least one identified pre-staged transaction based on the authorization based on the determination of the location of the personal computing device being within the predefined proximity of the second location at which the location beacon is located and the determined identity of the user; and

generate a notification indicating processing of the at least one identified pre-staged transaction.

13. The apparatus of claim 12, wherein the at least one identified pre-staged transaction is pre-staged by the identified user.

14. The apparatus of claim 13, wherein the at least one identified pre-staged transaction is pre-staged by the identified user via the personal computing device.

15. The apparatus of claim 13, wherein the at least one identified pre-staged transaction is pre-staged by the identified user via a computing device different from the personal computing device.

16. The apparatus of claim 12, further including instructions that, when executed, cause the apparatus to:

transmit the generated notification to the personal computing device of the user.

17. The apparatus of claim 16, wherein the notification further includes information associated with a location at which the user may complete the at least one identified pre-staged transaction.

18. The apparatus of claim 17, wherein the location at which the user may complete the at least one identified pre-staged transaction includes a secure container containing one or more items associated with the at least one identified pre-staged transaction.

19. The apparatus of claim 18, wherein the notification further includes an access code to access the secure container.

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:

pre-stage, at a first location, a plurality of transactions;

receive data associated with a signal detected by a personal computing device, the signal being emitted from a location beacon at a second location different from the first location, the second location being a banking center of a financial institution;

determine a location of the personal computing device based on the received data associated with the signal emitted from the location beacon, wherein the location of the personal computing device is within a predefined proximity of the second location at which the location beacon is located;

extract a unique identifier associated with the personal computing device;

determine, based on the extracted unique identifier associated with the personal computing device, an identity of a user associated with the personal computing device located at the location;

identify at least one pre-staged transaction of the plurality of transactions that is associated with the identified user associated with the personal computing device;

based on the determined location of the personal computing device being within the predefined proximity of the second location at which the location beacon is located and the determined identity of the user, authorizing the at least one identified pre-staged transaction for further processing, the authorizing being based on the determined location of the personal computing device being within the predefined proximity of the second location and the determined identity of the user and without additional authorization;

process the at least one identified pre-staged transaction based on the authorization based on the determination of the location of the personal computing device being within the predefined proximity of the second location at which the location beacon is located and the determined identity of the user; and

generate a notification indicating processing of the at least one identified pre-staged transaction.