Multi-purpose, multi-tenant kiosk

• US 9,489,693 B2
• Filed: 07/31/2014
• Issued: 11/08/2016
• Est. Priority Date: 07/31/2014
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Vargas, Angel A., O'Connor, Bridget E., Donlan, Matthew Laine, Azeez, Abdul Rafman
• Primary Examiner(s): JOHNSON, SONJI N
• Application Number:
  US14/448,362
• Publication Number:
  US 20160035022A1
• Time in Patent Office: 831 Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

In certain embodiments, a kiosk deployed at a customer location communicates a plurality of financial products available for provisioning by the kiosk and, for each financial product, one or more vendors that offers the financial product. The kiosk provisions a selected one of the financial products in response to input from a user. The input indicates the selected financial product and a selected one of the vendors.

Claims

1. A kiosk, wherein the kiosk is deployed at a customer location and is operable to:

determine a subset of financial products to communicate to a user, the subset of financial products determined from a plurality of financial products available for provisioning by the kiosk;

communicate the subset of financial products to the user;

receive a first user input indicating a selected financial product of the subset of financial products;

determine a subset of vendors to communicate to the user, the subset of vendors determined from a plurality of vendors that offer the plurality of financial products available for provisioning by the kiosk;

communicate the subset of vendors to the user;

receive a second user input indicating a selected vendor of the subset of vendors; and

provision the selected financial product on behalf of the selected vendor based on the first user input and the second user input;

wherein;

the subset of financial products to communicate to the user comprises fewer than all of a plurality of financial products available for provisioning by the kiosk, and the subset of financial products is determined based on a user profile that indicates products of interest to the user;

the subset of financial products includes at least one financial product selected from the group consisting of a credit account, a debit account, a prepaid account, and an affinity account; and

to provision the selected financial product, the kiosk is further operable to apply a rule that determines between (a) provisioning the selected financial product independently of communication with the vendor of the selected financial product, and (b) provisioning the selected financial product using communication with the vendor of the selected financial product to approve the provisioning.

2. The kiosk of claim 1, the kiosk further operable to:

communicate a plurality of format options for provisioning the selected financial product;

receive a selected format option from the user; and

provision the selected financial product according to the selected format option.

3. The kiosk of claim 2, wherein at least one of the plurality of format options is selected from the group consisting of a magnetic stripe card, a radio frequency identifier (RFID), or a token for a mobile device.

4. The kiosk of claim 1, wherein:

the subset of vendors includes at least one financial institution and at least one retail store;

the subset of financial products includes an affinity account for which the retail store is the vendor and a credit account branded for use at the retail store; and

the kiosk is operable to determine to include the affinity account in the subset of financial products based on the user profile indicating that the user does not have a pre-existing affinity account with the retail store.

5. The kiosk of claim 1, wherein the selected financial product corresponds to an existing account associated with the user and to provision the selected financial product, the kiosk is operable to print a replacement card to replace a lost or stole card and deactivate the lost or stolen card.

6. The kiosk of claim 1, further operable to:

in response to a determination that the selected financial product is a gift card, allow the gift card to be registered in a gift registry, wherein the gift registry enables multiple gift givers to add funds to the gift card;

receive funds from one of the gift givers via a user interface of the kiosk; and

associate the funds with a corresponding gift card registered in the gift registry.

7. Non-transitory computer readable medium comprising logic, the logic, when executed by a processor, operable to:

determine a subset of financial products to communicate to a user, the subset of financial products determined from a plurality of financial products available for provisioning by a kiosk;

communicate the subset of financial products to the user;

receive a first user input indicating a selected financial product of the subset of financial products;

determine a subset of vendors to communicate to the user, the subset of vendors determined from a plurality of vendors that offer the plurality of financial products available for provisioning by the kiosk;

communicate the subset of vendors to the user;

receive a second user input indicating a selected vendor of the subset of vendors; and

provision the selected financial product on behalf of the selected vendor based on the first user input and the second user input;

wherein;

the subset of financial products to communicate to the user comprises fewer than all of a plurality of financial products available for provisioning by the kiosk, and the subset of financial products is determined based on a user profile that indicates products of interest to the user;

the subset of financial products includes at least one financial products selected from the group consisting of a credit account, a debit account, a prepaid account, and an affinity account; and

to provision the selected financial product, the logic is further operable to apply a rule that determines between (a) provisioning the selected financial product independently of communication with the vendor of the selected financial product, and (b) provisioning the selected financial product using communication with the vendor of the selected financial product to approve the provisioning.

8. The medium of claim 7, the logic further operable to:

communicate a plurality of format options for provisioning the selected financial product;

receive a selected format option from the user; and

provision the selected financial product according to the selected format option.

9. The medium of claim 8, wherein at least one of the plurality of format options is selected from the group consisting of a magnetic stripe card, a radio frequency identifier (RFID), or a token for a mobile device.

10. The medium of claim 7, wherein the subset of vendors includes at least one financial institution and at least one retail store;

the subset of financial products includes an affinity account for which the retail store is the vendor and a credit account branded for use at the retail store; and

the logic is operable to determine to include the affinity account in the subset of financial products based on the user profile indicating that the user does not have a pre-existing affinity account with the retail store.

11. The medium of claim 7, wherein the selected financial product corresponds to an existing account associated with the user and to provision the selected financial product, the logic is further operable to print a replacement card to replace a lost or stolen card and deactivate the lost or stolen card.

12. The medium of claim 7, wherein the customer location corresponds to a travel venue, a retail venue, or an entertainment venue.

13. A method in a kiosk deployed at a customer location, the method comprising:

determining, by one or more processors, a subset of financial products to communicate to a user, the subset of financial products determined from a plurality of financial products available for provisioning by the kiosk;

communicating the subset of financial products to the user via a user interface;

receiving a first user input indicating a selected financial product of the subset of financial products;

determining, by the one or more processors, a subset of vendors to communicate to the user, the subset of vendors determined from a plurality of vendors that offer the plurality of financial products available for provisioning by the kiosk;

communicating the subset of vendors to the user via the user interface;

receiving a second user input indicating a selected vendor of the subset of vendors; and

provisioning the selected financial product on behalf of the selected vendor based on the first user input and the second user input;

wherein;

the subset of financial products to communicate to the user comprises fewer than all of a plurality of financial products available for provisioning by the kiosk, and the subset of financial products is determined based on a user profile that indicates products of interest to the user;

the subset of financial products includes at least one financial products selected from the group consisting of a credit account, a debit account, a prepaid account, and an affinity account; and

provisioning the selected financial product further comprises applying a rule that determines between (a) provisioning the selected financial product independently of communication with the vendor of the selected financial product, and (b) provisioning the selected financial product using communication with the vendor of the selected financial product to approve the provisioning.

14. The method of claim 13, further comprising:

communicating a plurality of format options for provisioning the selected financial product;

receiving a selected format option from the user; and

provisioning the selected financial product according to the selected format option.

15. The method of claim 14, wherein at least one of the plurality of format options is selected from the group consisting of a magnetic stripe card, a radio frequency identifier (RFID), or a token for a mobile device.

16. The method of claim 13, wherein the subset of vendors includes at least one financial institution and at least one retail store;

the subset of financial products includes an affinity account for which the retail store is the vendor and a credit account branded for use at the retail store; and

the method further comprises determining to include the affinity account in the subset of financial products based on the user profile indicating that the user does not have a pre-existing affinity account with the retail store.

17. The method of claim 13, wherein the selected financial product corresponds to an existing account associated with the user and provisioning the selected financial product comprises printing a replacement card to replace a lost or stolen card and deactivating the lost or stolen card.