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Digital bank branch

  • US 9,846,906 B1
  • Filed: 02/28/2013
  • Issued: 12/19/2017
  • Est. Priority Date: 02/28/2013
  • Status: Active Grant
First Claim
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1. A digital bank branch system for associating a customer communicating over a network with a banking host computing system with a physical bank branch, the digital bank branch system comprising:

  • at least one computer memory at the banking host computing system storing customer information and instructions; and

    at least one computer processor at the banking host computing system accessing and executing the stored instructions to perform steps including;

    providing a bank web site from the bank host computing system accessible to mobile user devices over the Internet, the bank web site offering customers a selection interface enabling changing of a default bank branch by selecting as a local bank branch at least one physical bank branch from multiple selectable physical bank branches;

    providing each customer with a selectable link to a digital branch web page connecting each customer with the selected local bank branch, the selectable link accessible from a customer accounts page of the bank web site provided by the host banking computing system;

    providing a local branch information area at the digital branch web page, the local branch information area accessible over the Internet including information relevant to the selected local bank branch including at least one of images of local bank branch personnel and biographical information of local bank branch personnel;

    implementing an alert generator for generating alerts relevant to the selected local bank branch for delivery over a distribution channel;

    selecting the distribution channel for distribution of the alerts relevant to the selected local bank branch from a plurality of available channels based on a determination from a customer monitor that the customer is using a particular mobile user device for communicating with the bank host system over the Internet, the available channels including at least email, text message, and social media channels; and

    distributing the alerts over the selected channel to the mobile user device.

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