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1. 发明申请

US20160012496A1 Providing Navigation Functionality in a Retail Location Using Local Positioning Technology 有权
标题翻译：使用本地定位技术在零售位置提供导航功能
公开(公告)号：US20160012496A1
公开(公告)日：2016-01-14
申请号：US14327728
申请日：2014-07-10
申请人： BANK OF AMERICA CORPORATION
发明人： Carrie Anne Hanson , Davindar Gill , Sharon Scanlon
IPC分类号： G06Q30/02 , H04W4/02
CPC分类号： G06Q30/0281 , H04W4/02
摘要： Methods and systems for providing navigation functionality in a retail location using local positioning technology are presented. In some embodiments, a customer assistance computing platform may receive one or more attributes associated with a beacon signal received by a customer computing device and an identifier associated with the customer computing device. Subsequently, the computing platform may determine an identity of a customer using the customer computing device. The computing platform then may determine a location of the customer using the customer computing device based on the one or more attributes associated with the beacon signal. Thereafter, the computing platform may generate one or more navigation instructions to guide the customer to another location. Then, the computing platform may send the one or more navigation instructions to the customer computing device.
摘要翻译：提出了使用本地定位技术在零售位置提供导航功能的方法和系统。在一些实施例中，客户辅助计算平台可以接收与由客户计算设备接收的信标信号和与客户计算设备相关联的标识符相关联的一个或多个属性。随后，计算平台可以使用客户计算设备来确定客户的身份。计算平台然后可以基于与信标信号相关联的一个或多个属性来确定使用客户计算设备的客户的位置。此后，计算平台可以生成一个或多个导航指令以将客户引导到另一位置。然后，计算平台可以将一个或多个导航指令发送到客户计算设备。

2. 发明授权

US10108952B2 Customer identification 有权
公开(公告)号：US10108952B2
公开(公告)日：2018-10-23
申请号：US14328147
申请日：2014-07-10
申请人： Bank of America Corporation
发明人： Carrie Anne Hanson , Sharon Scanlon , Davindar Gill , David M. Grigg
IPC分类号： G06Q20/32 , G06Q30/00 , H04W4/02 , G06Q20/34 , G06Q20/40
摘要： Systems, methods, apparatuses, and computer-readable media configured to determine a location of a user, identify the user and provide additional services based on the determined location and/or identity are provided. In some examples, the identity of a customer may be determined based on detection of a signal by a personal computing device of the customer. One or more associate users associated with that customer may be identified and a location of the associate user may be transmitted to the customer user. In other examples, a category of an identified customer may be determined and an associate user equipped to work with that determined category of customer may be identified.

3. 发明授权

US09691092B2 Predicting and responding to customer needs using local positioning technology 有权
公开(公告)号：US09691092B2
公开(公告)日：2017-06-27
申请号：US14327843
申请日：2014-07-10
申请人： Bank of America Corporation
发明人： Carrie Anne Hanson , Sharon Scanlon , Kim Stittsworth , David M. Grigg , Davindar Gill
IPC分类号： G06Q30/06 , G06Q20/32 , H04W4/02
CPC分类号： G06Q30/0613 , G06Q20/3221 , G06Q20/3224 , H04W4/02
摘要： Methods and systems for predicting and responding to customer needs using local positioning technology are presented. In some embodiments, a customer assistance computing platform may receive one or more attributes associated with a beacon signal received by a customer computing device and an identifier associated with the customer computing device. Subsequently, the computing platform may determine an identity of a customer using the customer computing device. The computing platform then may determine a location of the customer using the customer computing device based on the one or more attributes associated with the beacon signal. Thereafter, the computing platform may determine one or more predicted needs of the customer. Then, the computing platform may generate a notification based on the predicted needs of the customer and may send the notification to the customer computing device.

4. 发明申请

US20160012484A1 Providing Targeted Advertising Using Local Positioning Technology 审中-公开
标题翻译：使用本地定位技术提供目标广告
公开(公告)号：US20160012484A1
公开(公告)日：2016-01-14
申请号：US14327767
申请日：2014-07-10
申请人： Bank of America Corporation
发明人： Carrie Anne Hanson , Sharon Scanlon , Don Cardinal , David M. Grigg
IPC分类号： G06Q30/02 , H04W4/04
CPC分类号： G06Q30/0261 , H04W4/029
摘要： Methods and systems for providing targeted advertising using local positioning technology are presented. In some embodiments, a customer assistance computing platform may receive one or more attributes associated with a beacon signal received by a customer computing device and an identifier associated with the customer computing device. Subsequently, the computing platform may determine an identity of a customer using the customer computing device. The computing platform then may determine a location of the customer using the customer computing device based on the one or more attributes associated with the beacon signal. Thereafter, the computing platform may select, based on the identity of the customer and the location of the customer, advertising content to be presented to the customer using the customer computing device. Then, the computing platform may send the selected advertising content to one or more recipient computing devices.
摘要翻译：提出了使用本地定位技术提供有针对性的广告的方法和系统。在一些实施例中，客户辅助计算平台可以接收与由客户计算设备接收的信标信号和与客户计算设备相关联的标识符相关联的一个或多个属性。随后，计算平台可以使用客户计算设备来确定客户的身份。计算平台然后可以基于与信标信号相关联的一个或多个属性来确定使用客户计算设备的客户的位置。此后，计算平台可以基于客户的身份和客户的位置来选择使用客户计算设备呈现给客户的广告内容。然后，计算平台可以将所选择的广告内容发送到一个或多个接收者计算设备。

5. 发明申请

US20160012412A1 User Authentication 有权
标题翻译：用户认证
公开(公告)号：US20160012412A1
公开(公告)日：2016-01-14
申请号：US14328012
申请日：2014-07-10
申请人： Bank of America Corporation
发明人： Sharon Scanlon , Davindar Gill , Pete Bertanzetti
IPC分类号： G06Q20/32 , G06Q20/40 , H04W4/02 , H04L29/06
CPC分类号： H04W4/02 , G06F21/32 , G06F21/35 , G06F2221/2111 , G06F2221/2141 , G06Q20/3224 , G06Q20/4012 , G06Q20/40145 , H04L63/0892 , H04L63/107
摘要： Systems, methods, apparatuses, and computer-readable media configured to determine a location of a user, identify the user and provide additional services based on the determined location and/or identity are provided. In some examples, a signal emitted from a beacon may be detected by a personal computing device of a user within a predefined proximity of the beacon. The location of the beacon, and the device detecting the signal, may be determined and the identity of the user associated with the device may be determined. Authentication information may be requested from the user. The request for authentication information may be transmitted to the personal computing device and the user may provide the authentication information via the device. If the received authentication information matches pre-stored authentication information, the user may be authenticated and/or authorized to conduct one or more transactions or types of transactions based on the determined location, identity, and authentication information.
摘要翻译：提供了被配置为基于所确定的位置和/或身份来确定用户的位置，识别用户和提供附加服务的系统，方法，设备和计算机可读介质。在一些示例中，从信标发射的信号可以由信标的预定义接近范围内的用户的个人计算设备检测。可以确定信标的位置和检测信号的设备，并且可以确定与设备相关联的用户的身份。可以从用户请求认证信息。认证信息的请求可以被发送到个人计算设备，并且用户可以经由设备提供认证信息。如果接收到的认证信息与预先存储的认证信息相匹配，则可以基于所确定的位置，身份和认证信息来认证和/或授权用户进行一个或多个事务或类型的事务。

6. 发明申请

US20160012410A1 Customer Identification 审中-公开
标题翻译：客户识别
公开(公告)号：US20160012410A1
公开(公告)日：2016-01-14
申请号：US14328147
申请日：2014-07-10
申请人： Bank of America Corporation
发明人： Carrie Anne Hanson , Sharon Scanlon , Davindar Gill , David M. Grigg
IPC分类号： G06Q20/32 , H04W4/02 , G06Q30/00
CPC分类号： G06Q20/3224 , G06Q20/3552 , G06Q20/405 , G06Q30/016 , H04W4/023
摘要： Systems, methods, apparatuses, and computer-readable media configured to determine a location of a user, identify the user and provide additional services based on the determined location and/or identity are provided. In some examples, the identity of a customer may be determined based on detection of a signal by a personal computing device of the customer. One or more associate users associated with that customer may be identified and a location of the associate user may be transmitted to the customer user. In other examples, a category of an identified customer may be determined and an associate user equipped to work with that determined category of customer may be identified.
摘要翻译：提供了被配置为基于所确定的位置和/或身份来确定用户的位置，识别用户和提供附加服务的系统，方法，设备和计算机可读介质。在一些示例中，可以基于客户的个人计算设备对信号的检测来确定客户的身份。可以识别与该客户相关联的一个或多个关联用户，并且可以向客户用户发送关联用户的位置。在其他示例中，可以确定所识别的客户的类别，并且可以识别配备有与确定的顾客类别一起工作的关联用户。

7. 发明申请

US20170206572A1 Providing Navigation Functionality in a Retail Location Using Local Positioning Technology 有权
公开(公告)号：US20170206572A1
公开(公告)日：2017-07-20
申请号：US15478586
申请日：2017-04-04
申请人： Bank of America Corporation
发明人： Carrie Anne Hanson , Davindar Gill , Sharon Scanlon
IPC分类号： G06Q30/02 , H04W4/02
CPC分类号： G06Q30/0281 , H04W4/02
摘要： Methods and systems for providing navigation functionality in a retail location using local positioning technology are presented. In some embodiments, a customer assistance computing platform may receive one or more attributes associated with a beacon signal received by a customer computing device and an identifier associated with the customer computing device. Subsequently, the computing platform may determine an identity of a customer using the customer computing device. The computing platform then may determine a location of the customer using the customer computing device based on the one or more attributes associated with the beacon signal. Thereafter, the computing platform may generate one or more navigation instructions to guide the customer to another location. Then, the computing platform may send the one or more navigation instructions to the customer computing device.

8. 发明授权

US09432804B2 Processing of pre-staged transactions 有权
标题翻译：处理前期交易
公开(公告)号：US09432804B2
公开(公告)日：2016-08-30
申请号：US14327847
申请日：2014-07-10
申请人： Bank of America Corporation
发明人： Carrie Anne Hanson , Don Cardinal , Sharon Scanlon , Davindar Gill , Alicia C. Jones , Russell Lewis
IPC分类号： G06Q40/00 , H04W4/02 , G06Q20/32 , G06Q20/40 , G06Q20/10
CPC分类号： H04W4/02 , G06Q20/108 , G06Q20/3224 , G06Q20/40 , G06Q20/405
摘要： Systems and methods for using proximity positioning systems to determine an identity and location of a user, and process a pre-staged transaction based on the determined information are provided. In some examples, a transaction may be initiated by a user. A financial institution may pre-process the transaction and, upon establishing a physical presence of the user at a banking center, may further process and/or complete the transaction. The physical presence of the user may be established based on a signal from a location beacon at the banking center being detected by a personal computing device of the user. Because the personal computing device is within a predefined proximity of the location beacon in order to detect the signal, the location of the location beacon, and, thus the personal computing device may be determined, and an identity of the user may be determined.
摘要翻译：提供了使用接近定位系统来确定用户的身份和位置以及基于确定的信息来处理预分段交易的系统和方法。在一些示例中，事务可以由用户发起。金融机构可以预处理交易，并且在银行中心建立用户的实际存在时，可以进一步处理和/或完成交易。可以基于由用户的个人计算设备检测到的来自银行中心的位置信标的信号来建立用户的物理存在。由于个人计算设备在位置信标的预定义的接近度内以便检测信号，因此可以确定位置信标的位置，并且因此可以确定个人计算设备的位置，并且可以确定用户的身份。

9. 发明申请

US20160012375A1 Managing Customer Queues Using Local Positioning Technology 审中-公开
标题翻译：使用本地定位技术管理客户队列
公开(公告)号：US20160012375A1
公开(公告)日：2016-01-14
申请号：US14327688
申请日：2014-07-10
申请人： Bank of America Corporation
发明人： Carrie Anne Hanson , Don Cardinal , Sharon Scanlon , Davindar Gill
IPC分类号： G06Q10/06
CPC分类号： G06Q10/063114 , G06Q40/02
摘要： Methods and systems for managing customer queues using local positioning technology are presented. In some embodiments, a customer assistance computing platform may receive one or more attributes associated with a beacon signal received by a customer computing device and an identifier associated with the customer computing device. Subsequently, the computing platform may determine an identity of a customer using the customer computing device. The computing platform then may determine a location of the customer using the customer computing device based on the one or more attributes associated with the beacon signal. Thereafter, the computing platform may select at least one queue from one or more maintained queues based on the location of the customer. Then, the computing platform may update the at least one selected queue based on the identity of the customer to add the customer using the customer computing device to the at least one selected queue.
摘要翻译：介绍了使用本地定位技术管理客户队列的方法和系统。在一些实施例中，客户辅助计算平台可以接收与由客户计算设备接收的信标信号和与客户计算设备相关联的标识符相关联的一个或多个属性。随后，计算平台可以使用客户计算设备来确定客户的身份。计算平台然后可以基于与信标信号相关联的一个或多个属性来确定使用客户计算设备的客户的位置。此后，计算平台可以基于客户的位置从一个或多个维护的队列中选择至少一个队列。然后，计算平台可以基于客户的身份来更新所选择的至少一个队列，以将客户使用客户计算设备添加到至少一个选定的队列。

10. 发明授权

US10028081B2 User authentication 有权
公开(公告)号：US10028081B2
公开(公告)日：2018-07-17
申请号：US14328012
申请日：2014-07-10
申请人： Bank of America Corporation
发明人： Sharon Scanlon , Davindar Gill , Pete Bertanzetti
IPC分类号： G06Q20/32 , H04W4/02 , H04L29/06 , G06F21/32 , G06F21/35 , G06Q20/40
摘要： Systems, methods, apparatuses, and computer-readable media configured to determine a location of a user, identify the user and provide additional services based on the determined location and/or identity are provided. In some examples, a signal emitted from a beacon may be detected by a personal computing device of a user within a predefined proximity of the beacon. The location of the beacon, and the device detecting the signal, may be determined and the identity of the user associated with the device may be determined. Authentication information may be requested from the user. The request for authentication information may be transmitted to the personal computing device and the user may provide the authentication information via the device. If the received authentication information matches pre-stored authentication information, the user may be authenticated and/or authorized to conduct one or more transactions or types of transactions based on the determined location, identity, and authentication information.

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