System for resource usage monitoring

• US 10,154,101 B2
• Filed: 05/27/2016
• Issued: 12/11/2018
• Est. Priority Date: 05/27/2016
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Achtner, Edward J., Bullock, Caitlin Chrisman
• Primary Examiner(s): Shingles, Kristie D
• Application Number:
  US15/167,756
• Publication Number:
  US 20170346757A1
• Time in Patent Office: 928 Days
• Field of Search: 709224
• CPC Class Codes: H04L 67/306 User profiles
• CPC Class Codes: H04L 67/53 using third party service providers
• CPC Class Codes: H04W 4/021 Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences
• CPC Class Codes: H04W 88/02 Terminal devices

Abstract

A system for monitoring the use of resources by a user includes a mobile device, a resource usage monitoring device, a message display system, and a third party system, each have communication interfaces, memory devices, and processing devices. The system is designed to detect the presence of a user within a physical location where resources may be accessed and determine a time-efficient set of resource allocations that the user may engage in while located in a particular physical location. In some embodiments, a message may be directed to the user through visual and/or audio displays to notify the user of the time-efficient set of resource allocations and direct the user to a particular location where such allocations may be effected.

Claims

1. A resource usage monitoring system comprising:

a network communication interface;

a memory device storing a resource usage monitoring application; and

a processing device operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to;

receive via the network communication interface a set of identification data associated with a resource user, wherein the identification data associated with the resource user comprises a detection of the resource user within a physical location of a resource allocation point;

receive via the network communication interface a set of resource usage data associated with the resource user, wherein resource usage data comprises access, deployment, accumulation, and monitoring of financial institution resources associate with the resource user; and

in response to receiving the set of identification data and the set of resource usage data, transmit via the network communication interface a control signal comprising a set of message data associated with the user, wherein the control signal causes a message to be displayed to the user, wherein the message comprises particularized recommendations based on resource usage data associated with the resource user.

2. The system of claim 1, wherein the set of identification data comprises an indication that the resource user is physically located within a structure associated with a resource access point.

3. The system of claim 2, wherein the control signal causes the message to be displayed to the user on a display of a mobile device associated with the resource user.

4. The system of claim 2, wherein the control signal causes the message to be displayed to the user on a display of dynamic sign physically located within the structure associated with the resource access point.

5. The system of claim 4, wherein the message is associated with the resource usage data.

6. The system of claim 4, wherein the message comprises directions to a station location within the structure associated with the resource access point and a prompt for the resource user to approach the station location.

7. The system of claim 6, wherein the resource access point is a branch location of a financial institution.

8. The system of claim 7, wherein the processing device is further configured to execute computer-readable program code to transmit to the resource user a set of data associated with a proposed resource allocation.

9. A method for monitoring resource usage, the method comprising:

receiving via a network communication interface a set of identification data associated with a resource user, wherein the identification data associated with the resource user comprises a detection of the resource user within a physical location of a resource allocation point;

receiving via the network communication interface a set of resource usage data associated with the resource user, wherein resource usage data comprises access, deployment, accumulation, and monitoring of financial institution resources associate with the resource user; and

in response to receiving the set of identification data and the set of resource usage data, transmitting via the network communication interface a control signal comprising a set of message data associated with the user, wherein the control signal causes a message to be displayed to the user, wherein the message comprises particularized recommendations based on resource usage data associated with the resource user.

10. The method of claim 9, wherein the set of identification data comprises an indication that the resource user is physically located within a structure associated with a resource access point.

11. The method of claim 10, wherein the control signal causes the message to be displayed to the user on a display of a mobile device associated with the resource user.

12. The method of claim 10, wherein the control signal causes the message to be displayed to the user on a display of dynamic sign physically located within the structure associated with the resource access point.

13. The method of claim 12, wherein the message is associated with the resource usage data.

14. The method of claim 12, wherein the message comprises directions to a station location within the structure associated with the resource access point and a prompt for the resource user to approach the station location.

15. The method of claim 14, wherein the resource access point is a branch location of a financial institution.

16. The method of claim 15, further comprising transmitting to the resource user a set of data associated with a proposed resource allocation.

17. A resource usage monitoring system comprising:

a network communication interface;

a memory device storing a resource usage monitoring application; and

a processing device operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to;

receive via the network communication interface a set of identification data associated with a resource user, wherein the identification data associated with the resource user comprises a detection of the resource user within a physical location of a resource allocation point

receive via the network communication interface a set of resource usage data associated with the resource user, wherein resource usage data comprises access, deployment, accumulation, and monitoring of financial institution resources associate with the resource user; and

in response to receiving the set of identification data and the set of resource usage data, transmit via the network communication interface a control signal comprising a set of message data associated with the user, wherein the control signal causes a message to be displayed to the user, wherein the message comprises particularized recommendations based on resource usage data associated with the resource user.

18. The system of claim 17, wherein the control signal causes the message to be displayed to the user on a display of a mobile device associated with the resource user, and wherein the message comprises a proposed resource allocation associated with the resource usage data.

19. The system of claim 17, wherein the control signal causes the message to be displayed to the user on a display of dynamic sign physically located within the structure associated with the resource access point.

20. The system of claim 19, wherein the message comprises directions to a station location within the structure associated with the resource access point and a prompt for the resource user to approach the station location.