Generating customer alerts based on indoor positioning system detection of physical customer presence

• US 10,074,130 B2
• Filed: 07/10/2014
• Issued: 09/11/2018
• 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
• Primary Examiner(s): Robinson, Kito R
• Assistant Examiner(s): Brindley, Benjamin
• Application Number:
  US14/327,570
• Publication Number:
  US 20160012527A1
• Time in Patent Office: 1,524 Days
• Field of Search: 705 35
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• 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 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis
• CPC Class Codes: H04W 4/02 Services making use of location information
• CPC Class Codes: H04W 4/029 Location-based management or tracking services

Abstract

A computing platform may receive a plurality of messages comprising data indicating physical presence of customers of a financial institution at a physical banking center location of the financial institution from an indoor positioning system located at the physical banking center location of the financial institution. Responsive to receiving the plurality of messages comprising the data indicating the physical presence of the customers of the financial institution at the physical banking center location of the financial institution, the computing platform may determine that at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged one or more items via an online-banking system of the financial institution.

Claims

1. A method, comprising:

at a computing platform comprising at least one processor, a memory, and a communication interface;

receiving, via the communication interface and from an indoor positioning system located at a physical banking center location of a financial institution, a plurality of messages comprising data indicating physical presence of customers of the financial institution at the physical banking center location of the financial institution;

responsive to receiving the plurality of messages comprising the data indicating the physical presence of the customers of the financial institution at the physical banking center location of the financial institution, determining, by the at least one processor, that at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged one or more items via an online-banking system of the financial institution;

receiving, via the communication interface and from the indoor positioning system located at the physical banking center location of the financial institution, a plurality of messages comprising data indicating physical presence of associates of the financial institution at the physical banking center location of the financial institution;

identifying, by the at least one processor and based on the data indicating the physical presence of the associates of the financial institution at the physical banking center location of the financial institution, one or more associates of the associates of the financial institution at the physical banking center location of the financial institution to assist the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution;

identifying, by the at least one processor and based on at least one of the plurality of messages comprising the data indicating the physical presence of the associates of the financial institution at the physical banking center location of the financial institution, one or more personal computing devices presently in possession of the one or more associates of the associates of the financial institution at the physical banking center location of the financial institution;

generating, by the at least one processor, one or more messages indicating that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged the one or more items via the online-banking system of the financial institution; and

communicating, via the communication interface and to the one or more personal computing devices presently in possession of the one or more associates of the associates of the financial institution at the physical banking center location of the financial institution, the one or more messages indicating that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged the one or more items via the online-banking system of the financial institution,

wherein the indoor positioning system comprises a plurality of personal computing devices presently in possession of the customers of the financial institution at the physical banking center location of the financial institution, and at least one location beacon that is located at the physical banking center location of the financial institution and configured to emit a signal comprising an identifier associated with the physical banking center location,

wherein receiving the plurality of messages comprising data indicating the physical presence of the customers of the financial institution at the physical banking center location of the financial institution comprises receiving, from the plurality of personal computing devices, data comprising the identifier associated with the physical banking center location, and

wherein the indoor positioning system comprises a first location beacon that is located at a first location of the physical banking center location of the financial institution and configured to emit a signal comprising an identifier associated with the first location of the physical banking center location of the financial institution, and a second location beacon that is located at a second location of the physical banking center location of the financial institution and configured to emit a signal comprising an identifier associated with the second location of the physical banking center location of the financial institution, and wherein receiving the plurality of messages comprising data indicating physical presence of the customers of the financial institution at the physical banking center location of the financial institution comprises;

receiving first messages comprising data indicating physical presence of a portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution; and

receiving second messages comprising data indicating physical presence of a portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution.

2. The method of claim 1, comprising:

generating, by the at least one processor, a message indicating that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged the one or more items via the online-banking system of the financial institution;

identifying, by the at least one processor, at least one computing device located at the physical banking center location of the financial institution; and

communicating, via the communication interface and to the at least one computing device located at the physical banking center location of the financial institution, the message indicating that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged the one or more items via the online-banking system of the financial institution.

3. The method of claim 1, comprising:

receiving, via the communication interface and from the online-banking system of the financial institution, one or more messages comprising data identifying a plurality of customers of the financial institution that have flagged items via the online-banking system of the financial institution, and one or more items that the customers of the financial institution have flagged via the online-banking system of the financial institution;

generating, by the at least one processor, one or more records comprising the data identifying the plurality of customers of the financial institution that have flagged items via the online-banking system of the financial institution, and the one or more items that the customers of the financial institution have flagged via the online-banking system of the financial institution; and

storing, by the at least one processor and in the memory, the one or more records comprising the data identifying the plurality of customers of the financial institution that have flagged items via the online-banking system of the financial institution, and the one or more items that the customers of the financial institution have flagged via the online-banking system of the financial institution.

4. The method of claim 3, wherein determining that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged one or more items via the online-banking system of the financial institution comprises:

identifying, by the at least one processor and from amongst the plurality of customers of the financial institution that have flagged items via the online-banking system of the financial institution, the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution; and

identifying, by the at least one processor and from amongst the one or more items that the customers of the financial institution have flagged via the online-banking system of the financial institution, one or more items that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged via the online-banking system of the financial institution.

5. The method of claim 1, comprising identifying, by the at least one processor and based on at least one of the plurality of messages comprising the data indicating the physical presence of the customers of the financial institution at the physical banking center location of the financial institution, one or more personal computing devices presently in possession of the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution.

6. The method of claim 5, comprising:

generating, by the at least one processor, one or more third messages indicating that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged the one or more items via the online-banking system of the financial institution; and

communicating, via the communication interface and to the one or more personal computing devices presently in possession of the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution, the one or more third messages indicating that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged the one or more items via the online-banking system of the financial institution.

7. The method of claim 1, wherein the one or more items comprise one or more offers the financial institution has presented to the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged via the online-banking system of the financial institution, and wherein determining that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged the one or more items via the online-banking system of the financial institution comprises determining, by the at least one processor, that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged the one or more offers the financial institution has presented to the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution via the online-banking system of the financial institution.

8. The method of claim 1, wherein the plurality of messages comprising data indicating the physical presence of the customers of the financial institution at the physical banking center location of the financial institution comprises a plurality of customer identifiers, each customer identifier of the plurality of customer identifiers identifying a customer of the customers of the financial institution at the physical banking center location of the financial institution.

9. The method of claim 8, wherein determining that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged the one or more items via the online-banking system of the financial institution comprises determining, by the at least one processor and based on at least one of the plurality of customer identifiers that corresponds to the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution, that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged one or more items via the online-banking system of the financial institution.

10. The method of claim 1, wherein determining that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged the one or more items via the online-banking system of the financial institution comprises:

determining, by the at least one processor, that a customer of the portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution has flagged one or more items via the online-banking system of the financial institution; and

determining, by the at least one processor, that a customer of the portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution has flagged one or more items via the online-banking system of the financial institution.

11. The method of claim 10, comprising:

generating, by the at least one processor, a message indicating that the customer of the portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution has flagged one or more items via the online-banking system of the financial institution; and

generating, by the at least one processor, a message indicating that the customer of the portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution has flagged one or more items via the online-banking system of the financial institution.

12. The method of claim 11, comprising:

identifying, by the at least one processor and based on the first messages comprising data indicating physical presence of the portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution, a personal computing device presently in possession of the customer of the portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution;

identifying, by the at least one processor and based on the second messages comprising data indicating physical presence of the portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution, a personal computing device presently in possession of the customer of the portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution;

communicating, via the communication interface and to the personal computing device presently in possession of the customer of the portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution, the message indicating that the customer of the portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution has flagged one or more items via the online-banking system of the financial institution; and

communicating, via the communication interface and to the personal computing device presently in possession of the customer of the portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution, the message indicating that the customer of the portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution has flagged one or more items via the online-banking system of the financial institution.

13. A system, comprising:

an indoor positioning system located at a physical banking center location of a financial institution; and

a computing platform comprising at least one processor, a memory, and a communication interface, wherein the memory stores instructions that, when executed by the at least one processor, cause the computing platform to;

receive, via the communication interface and from the indoor positioning system located at the physical banking center location of the financial institution, a plurality of messages comprising data indicating physical presence of customers of the financial institution at the physical banking center location of the financial institution;

responsive to receiving the plurality of messages comprising the data indicating the physical presence of the customers of the financial institution at the physical banking center location of the financial institution, determine, by the at least one processor, that at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged one or more items via an online-banking system of the financial institution;

receive, via the communication interface and from the indoor positioning system located at the physical banking center location of the financial institution, a plurality of messages comprising data indicating physical presence of associates of the financial institution at the physical banking center location of the financial institution;

identify, by the at least one processor and based on the data indicating the physical presence of the associates of the financial institution at the physical banking center location of the financial institution, one or more associates of the associates of the financial institution at the physical banking center location of the financial institution to assist the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution;

identify, by the at least one processor and based on at least one of the plurality of messages comprising the data indicating the physical presence of the associates of the financial institution at the physical banking center location of the financial institution, one or more personal computing devices presently in possession of the one or more associates of the associates of the financial institution at the physical banking center location of the financial institution;

generate, by the at least one processor, one or more messages indicating that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged the one or more items via the online-banking system of the financial institution; and

communicate, via the communication interface and to the one or more personal computing devices presently in possession of the one or more associates of the associates of the financial institution at the physical banking center location of the financial institution, the one or more messages indicating that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged the one or more items via the online-banking system of the financial institution,

wherein the indoor positioning system comprises a plurality of personal computing devices presently in possession of the customers of the financial institution at the physical banking center location of the financial institution, and at least one location beacon that is located at the physical banking center location of the financial institution and configured to emit a signal comprising an identifier associated with the physical banking center location,

wherein receiving the plurality of messages comprising data indicating the physical presence of the customers of the financial institution at the physical banking center location of the financial institution comprises receiving, from the plurality of personal computing devices, data comprising the identifier associated with the physical banking center location, and

wherein the indoor positioning system comprises a first location beacon that is located at a first location of the physical banking center location of the financial institution and configured to emit a signal comprising an identifier associated with the first location of the physical banking center location of the financial institution, and a second location beacon that is located at a second location of the physical banking center location of the financial institution and configured to emit a signal comprising an identifier associated with the second location of the physical banking center location of the financial institution, and wherein receiving the plurality of messages comprising data indicating physical presence of the customers of the financial institution at the physical banking center location of the financial institution comprises;

receiving first messages comprising data indicating physical presence of a portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution; and

receiving second messages comprising data indicating physical presence of a portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution.

14. One or more non-transitory computer-readable media having instructions stored thereon that, when executed by a computing platform comprising at least one processor and a memory and a communication interface, cause the computing platform to:

receive, via the communication interface and from an indoor positioning system located at a physical banking center location of a financial institution, a plurality of messages comprising data indicating physical presence of customers of the financial institution at the physical banking center location of the financial institution;

responsive to receiving the plurality of messages comprising the data indicating the physical presence of the customers of the financial institution at the physical banking center location of the financial institution, determine, by the at least one processor, that at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged one or more items via an online-banking system of the financial institution;

receive, via the communication interface and from the indoor positioning system located at the physical banking center location of the financial institution, a plurality of messages comprising data indicating physical presence of associates of the financial institution at the physical banking center location of the financial institution;

identify, by the at least one processor and based on the data indicating the physical presence of the associates of the financial institution at the physical banking center location of the financial institution, one or more associates of the associates of the financial institution at the physical banking center location of the financial institution to assist the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution;

identify, by the at least one processor and based on at least one of the plurality of messages comprising the data indicating the physical presence of the associates of the financial institution at the physical banking center location of the financial institution, one or more personal computing devices presently in possession of the one or more associates of the associates of the financial institution at the physical banking center location of the financial institution;

generate, by the at least one processor, one or more messages indicating that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged the one or more items via the online-banking system of the financial institution; and

communicate, via the communication interface and to the one or more personal computing devices presently in possession of the one or more associates of the associates of the financial institution at the physical banking center location of the financial institution, the one or more messages indicating that the at least one customer of the customers of the financial institution at the physical banking center location of the financial institution has flagged the one or more items via the online-banking system of the financial institution,

wherein the indoor positioning system comprises a plurality of personal computing devices presently in possession of the customers of the financial institution at the physical banking center location of the financial institution, and at least one location beacon that is located at the physical banking center location of the financial institution and configured to emit a signal comprising an identifier associated with the physical banking center location,

wherein receiving the plurality of messages comprising data indicating the physical presence of the customers of the financial institution at the physical banking center location of the financial institution comprises receiving, from the plurality of personal computing devices, data comprising the identifier associated with the physical banking center location, and

wherein the indoor positioning system comprises a first location beacon that is located at a first location of the physical banking center location of the financial institution and configured to emit a signal comprising an identifier associated with the first location of the physical banking center location of the financial institution, and a second location beacon that is located at a second location of the physical banking center location of the financial institution and configured to emit a signal comprising an identifier associated with the second location of the physical banking center location of the financial institution, and wherein receiving the plurality of messages comprising data indicating physical presence of the customers of the financial institution at the physical banking center location of the financial institution comprises;

receiving first messages comprising data indicating physical presence of a portion of the customers of the financial institution at the first location of the physical banking center location of the financial institution; and

receiving second messages comprising data indicating physical presence of a portion of the customers of the financial institution at the second location of the physical banking center location of the financial institution.