TRANSACTION QUEUING

• US 20140156328A1
• Filed: 11/30/2012
• Published: 06/05/2014
• Est. Priority Date: 11/30/2012
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Grigg, David M., Vieira, Carlos, Thomas, Susan Smith
• Granted Patent: US 9,224,113 B2
• Time in Patent Office: Days
• US Class Current: 705/7.15
• CPC Class Codes: G06F 16/9562 Bookmark management
• CPC Class Codes: G06Q 10/063114 Status monitoring or status determination for a person or group
• CPC Class Codes: G06Q 10/1097 Task assignment
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 30/016 After-sales
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0635 Processing of requisition or of purchase orders
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Embodiments of the invention are directed to systems, methods and computer program products for transaction queuing. In some embodiments, a system is configured to: receive information associated with an intended transaction, wherein a user will execute the intended transaction at a facility at a user-defined time; determine preliminary work associated with the intended transaction that can be performed prior to the user-defined time; and perform the preliminary work associated with the intended transaction. The preliminary work is placed on a transaction queue until the user arrives at the facility.

Claims

1. An apparatus for performing preliminary work associated with a transaction, the apparatus comprising:

a memory;

a processor; and

a module stored in the memory, executable by the processor, and configured to;

receive information associated with an intended transaction, wherein a user will execute the intended transaction at a facility at a user-defined time;

determine preliminary work associated with the intended transaction that can be performed prior to the user-defined time;

perform the preliminary work associated with the intended transaction, the preliminary work being performed based on information associated with the user or the user'"'"'s account; and

transmit a message to the user.

2. The apparatus of claim 1, wherein the determining comprises the module being configured to:

determine, based on a type of the intended transaction, whether the preliminary work can be performed on the intended transaction prior to the user-defined time;

in response to determining the preliminary work can be performed on the intended transaction prior to the user-defined time, determine an amount of the preliminary work.

3. The apparatus of claim 1, wherein the facility is at least one of specified by the user or determined by the module based on one or more user-defined location preferences.

4. The apparatus of claim 1, wherein the module is further configured to place the preliminary work on a transaction queue, and extract the preliminary work from the queue upon determining arrival of the user at the facility or upon determining the user is approaching an agent at the facility.

5. The apparatus of claim 1, wherein the preliminary work is performed at the facility or at a remote location away from the facility.

6. The apparatus of claim 1, wherein the message is transmitted to the user'"'"'s mobile device, and wherein the message is transmitted via at least one of email, text message, social network message, or financial institution network message.

7. The apparatus of claim 1, wherein the message indicates acknowledgment of the intended transaction.

8. The apparatus of claim 1, wherein the message at least one of indicates a description of preliminary work that can be performed on the intended transaction, indicates a description of preliminary work that has been performed on the intended transaction, or seeks permission from the user to perform the preliminary work.

9. The apparatus of claim 1, wherein the user specifies an identity of an agent associated with the facility, wherein the user desires to execute the intended transaction at the facility with the assistance of the identified agent.

10. The apparatus of claim 1, wherein the message indicates at least one of a recommended arrival time or recommended arrival location.

11. The apparatus of claim 10, wherein the at least one of the recommended arrival time or recommended arrival location is based at least partially on at least one of an amount and type of the preliminary work, a number of other users being serviced at the facility or waiting to be serviced at the facility, or a number of other pending transactions for which preliminary work needs to be performed.

12. The apparatus of claim 1, wherein the message indicates an identity of an agent at the facility who will assist the user with executing the intended transaction.

13. The apparatus of claim 1, wherein the message advises the user to perform the intended transaction on the user'"'"'s mobile device, wherein the message includes a link to instructions associated with performing the intended transaction on the user'"'"'s mobile device.

14. The apparatus of claim 1, wherein the information associated with the intended transaction is received via the user'"'"'s account, or wherein the information associated with the intended transaction is received via at least one of email, text message, social networking message, or financial institution networking message, and wherein the module is configured to identify the user based on verifying a sender of the information.

15. The apparatus of claim 1, wherein the facility is associated with an entity, wherein the user'"'"'s account is managed by the entity, wherein the entity comprises a financial institution or a merchant.

16. The apparatus of claim 1, wherein the information associated with the user comprises at least one of identification information, contact information, or relationship information associated with the user, wherein the relationship information comprises correspondence information between the user and an entity managing the user'"'"'s account, wherein the information associated with the user'"'"'s account comprises a list of transactions associated with the user'"'"'s account, the list of transactions comprising at least one of a last transaction executed by the user, a transaction most frequently executed by the user during a predetermined period, a transaction most frequently executed by users who visit the facility, or a transaction most frequently executed by users who visit the facility with a similar user profile as the user.

17. The apparatus of claim 1, wherein the user will arrive at the facility via a drive-through lane associated with the facility.

18. The apparatus of claim 6, wherein the mobile device comprises or is part of a motor vehicle.

19. A method for performing preliminary work associated with a transaction, the method comprising:

receiving information associated with an intended transaction, wherein a user will execute the intended transaction at a facility at a user-defined time;

determining preliminary work associated with the intended transaction that can be performed prior to the user-defined time;

performing the preliminary work associated with the intended transaction, the preliminary work being performed based on information associated with the user or the user'"'"'s account; and

transmitting a message to the user.

20. A computer program product for performing preliminary work associated with a transaction, the computer program product comprising:

a non-transitory computer-readable medium comprising a set of codes for causing a computer to;

receive information associated with an intended transaction, wherein a user will execute the intended transaction at a facility at a user-defined time;

determine preliminary work associated with the intended transaction that can be performed prior to the user-defined time;

perform the preliminary work associated with the intended transaction, the preliminary work being performed based on information associated with the user or the user'"'"'s account; and

transmit a message to the user.