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    PROXIMITY-BASED NOTIFICATION OF A PREVIOUSLY ABANDONED AND PRE-QUEUED ATM TRANSACTION
    23.
    发明申请
    PROXIMITY-BASED NOTIFICATION OF A PREVIOUSLY ABANDONED AND PRE-QUEUED ATM TRANSACTION 有权
    以前的退出和预先准备的ATM交易的基于接近通知

    公开(公告)号：US20160260068A1

    公开(公告)日：2016-09-08

    申请号：US15047122

    申请日：2016-02-18

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Nathan Dent

    IPC: G06Q20/10 ,  G06Q20/40

    CPC classification number: G07F19/2055 ,  G06Q20/1085 ,  G06Q20/3224 ,  G06Q20/327 ,  G06Q20/401 ,  G07F19/207

    Abstract: Proximity-triggered notifications/alerts are communicated to bank customers as a result of a previously abandoned/canceled ATM transaction that has subsequently been pre-queued for completion. In this regard, the present invention recognizes when the customer is proximate in location to a financial institution channel suitable for completing the transaction and sends the customer an alert, which is typically received by the customer via a mobile communication device. The alert indicates that the previous abandoned ATM transaction has been pre-queued for completion and provides the customer with the location of the nearest financial institution channel suitable for completing the transaction. In specific embodiments of the invention, pre-queuing of the transaction for completion provides for the customer to complete the transaction from the last existing point in the transaction completed by the customer.

    Abstract translation: 接近触发的通知/警报由于之前已被排队等待完成的先前放弃/取消的ATM交易而传达给银行客户。 在这方面，本发明识别客户何时位于适合于完成交易的金融机构信道的位置，并且向客户发送通常经由移动通信设备接收的客户的警报。 该警报表示先前已放弃的ATM交易已预排队完成，并向客户提供适合完成交易的最近金融机构渠道的位置。 在本发明的具体实施例中，用于完成的交易的预排队提供了客户从客户完成的交易中的最后一个现有点完成交易。

    DETERMINING ELECTRONIC MEDIA FORMAT WHEN TRANSFERRING A CUSTOMER BETWEEN SPECIALISTS OR AMONGST COMMUNICATION SOURCES AT A CUSTOMER SERVICE OUTLET
    26.
    发明申请
    DETERMINING ELECTRONIC MEDIA FORMAT WHEN TRANSFERRING A CUSTOMER BETWEEN SPECIALISTS OR AMONGST COMMUNICATION SOURCES AT A CUSTOMER SERVICE OUTLET 有权
    在客户服务出口处传送专业人员或通信来源之间的客户时，决定电子媒体格式

    公开(公告)号：US20160165181A1

    公开(公告)日：2016-06-09

    申请号：US15041926

    申请日：2016-02-11

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Christian Michael Mande ,  James Robert Grimsley ,  Tyler Johnson ,  Nathan Dent ,  Sara Gill ,  Kristy M. Crist

    IPC: H04N7/14 ,  G06Q30/00 ,  H04N7/15

    CPC classification number: H04N7/147 ,  G06Q10/06311 ,  G06Q30/016 ,  H04N7/15

    Abstract: Systems, apparatus, and computer program products are provided for determining the media format for transferring a customer from customer between specialists and/or from one communication source to another communication source within a customer service outlet, such as a banking center or the like. For example, while a two-way video conference system may be used for communication between a customer and a remote specialist, in certain instances in which the customer requires transfer to another specialist (e.g., a specialist having a different specialty) other media formats, such as one-way live video conference, live audio-only conference, text chat or the like may be implemented.

    Abstract translation: 提供了系统，装置和计算机程序产品，用于确定用户从专家之间和/或从一个通信源到客户服务插座（例如银行中心等）中的另一个通信源之间传送客户的媒体格式。 例如，当双向视频会议系统可以用于客户和远程专家之间的通信时，在客户需要转移到另一专家（例如，具有不同专长的专家）的其他媒体格式的某些情况下， 例如单向实况视频会议，实时音频会议，文本聊天等。

    REMOTE VIDEO CONFERENCING SYSTEM
    27.
    发明申请
    REMOTE VIDEO CONFERENCING SYSTEM 审中-公开
    远程视频会议系统

    公开(公告)号：US20160104122A1

    公开(公告)日：2016-04-14

    申请号：US14512136

    申请日：2014-10-10

    Applicant: BANK OF AMERICA CORPORATION

    Inventor： Christian Michael Mande ,  Tyler Johnson ,  Nathan Dent ,  James Robert Grimsley ,  Sara Gill ,  Kristy M. Crist

    IPC: G06Q10/10 ,  H04N7/15 ,  H04W4/02

    CPC classification number: G06Q10/1095 ,  H04L51/20 ,  H04L51/38 ,  H04N7/147 ,  H04W4/029

    Abstract: Embodiments of the invention are directed to a system, method, and computer program product to check-in for a specialist session. The system typically including a memory, a processor and a module configured to receive an indication that a customer has an appointment scheduled to participate in a specialist session at a business location; determine that a mobile device in possession of the customer is located within a geographic area defined by the business location and encompasses the business location; and in response to determining that the mobile device is located within the geographic area defined by the business location, place the customer in a queue associated with the specialist session.

    Abstract translation: 本发明的实施例涉及一种用于登记专业会话的系统，方法和计算机程序产品。 该系统通常包括存储器，处理器和模块，其被配置为接收指示，其指示客户已经安排在业务位置处参与专业会话的约会; 确定拥有客户的移动设备位于由商业位置定义的地理区域内，并且包含商业位置; 并且响应于确定移动设备位于由商业位置定义的地理区域内，将客户置于与专业会话相关联的队列中。

    DETERMINATION OF CUSTOMER PRESENCE BASED ON COMMUNICATION OF A MOBILE COMMUNICATION DEVICE DIGITAL SIGNATURE
    29.
    发明申请
    DETERMINATION OF CUSTOMER PRESENCE BASED ON COMMUNICATION OF A MOBILE COMMUNICATION DEVICE DIGITAL SIGNATURE 有权
    基于通信的移动通信设备数字签名确定客户存在

    公开(公告)号：US20160005048A1

    公开(公告)日：2016-01-07

    申请号：US14856017

    申请日：2015-09-16

    Applicant: Bank of America Corporation

    Inventor： David M. Grigg ,  Richard Andrew Starbuck ,  Carrie Anne Hanson ,  Alicia C. Jones-McFadden ,  Nathan Dent ,  Nicholas Munson ,  Matthew K. Bryant

    IPC: G06Q30/00 ,  H04W4/00 ,  H04M1/725 ,  H04W4/02

    CPC classification number: G06Q30/01 ,  G02B27/017 ,  G02B2027/0138 ,  G02B2027/014 ,  G02B2027/0178 ,  G02B2027/0187 ,  H04M1/72572 ,  H04W4/023 ,  H04W4/21 ,  H04W4/80

    Abstract: Systems, apparatus, and computer program products provide for monitoring an area within or proximate to a place of business for digital signatures of mobile communication devices, such as cellular devices or wearable communication devices. The captured digital signatures are then matched to digital signatures associated with existing customers of the business to determine the presence of the existing customer within or proximate to the place of business. Once the presence of the existing customer within or proximate to the business is known, the business can access other relevant information, such as customer profile information, prior transaction/interaction information or the like to enhance the customer's current interaction with the business. Moreover, once the presence of the existing customer is known, location determining mechanisms may implemented to track the location of the known customer within or proximate to the place of business for the purpose of positively identifying the known customer.

    Abstract translation: 系统，装置和计算机程序产品用于监视移动通信设备（例如蜂窝设备或可穿戴通信设备）的数字签名的业务场所内或附近的区域。 然后将捕获的数字签名与与业务的现有客户相关联的数字签名进行匹配，以确定现有客户在业务场所内或附近的存在。 一旦知道业务内部或附近的现有客户的存在是已知的，则业务可以访问其他相关信息，例如客户简档信息，先前交易/交互信息等，以增强客户当前与业务的交互。 此外，一旦知道了现有客户的存在，就可以实现位置确定机制，以便在正确地识别已知客户的目的的情况下跟踪商业地点内或附近的已知客户的位置。

    ENHANCED TRANSACTION CENTER LOCATOR
    30.
    发明申请
    ENHANCED TRANSACTION CENTER LOCATOR 审中-公开
    增强交易中心定位器

    公开(公告)号：US20150127484A1

    公开(公告)日：2015-05-07

    申请号：US14070651

    申请日：2013-11-04

    Applicant: Bank of America Corporation

    Inventor： Tyler R. Johnson ,  James David Freedman ,  Nathan Dent

    IPC: G06Q30/06

    CPC classification number: G06Q30/0639

    Abstract: Methods, systems, computer-readable media, and apparatuses for receiving and processing location information requests are presented. In some embodiments, a decision engine may aggregate location service information and transaction center status information. The location service information may identify one or more services that are available at each of a plurality of enterprise locations, and the transaction center status information may identify a current status of one or more transaction centers at each of the plurality of enterprise locations. Subsequently, the decision engine may receive, from a user device, a data request for a location to perform a defined service, and the data request may include location information for the user device at the time of the data request. In response to receiving the data request, the decision engine may provide one or more options to the user device based on the location service information and the transaction center status information.

    Abstract translation: 提出了用于接收和处理位置信息请求的方法，系统，计算机可读介质和装置。 在一些实施例中，决策引擎可以聚合位置服务信息和交易中心状态信息。 位置服务信息可以识别在多个企业位置中的每一个处可用的一个或多个服务，并且交易中心状态信息可以识别多个企业位置中的每一个处的一个或多个交易中心的当前状态。 随后，决策引擎可以从用户设备接收用于执行定义的服务的位置的数据请求，并且数据请求可以在数据请求时包括用户设备的位置信息。 响应于接收到数据请求，决策引擎可以基于位置服务信息和交易中心状态信息向用户设备提供一个或多个选项。

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