Bank of America Corporation

Maile George

Jason Michael Ackiss

Robert Fleetwood Armstrong

Felix A Mon

Susan Smith Thomas

Erik Stephen Ross

Carl Frederick, Ii

Robert J Mackenzie

Timothy Mark

William F Borowski

Kazi M Ariff

Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer via consumer-readable communications. In one embodiment, a payment terminal proximate the point of sale communicates a transaction information signal to the mobile device. The mobile device communicates the transaction information to the consumer in a consumer-readable format such as audible sound waves. In some embodiments, the consumer-readable communications include requests for consumer input. The consumer input is received by an input device proximate the mobile device and communicated to the payment terminal. In some embodiments consumer input is received by the payment terminal as well as the mobile device, and in some embodiments, the consumer chooses whether to use the mobile device as an interface or only to use the payment terminal.

Mobile device consumer interface process and system

Systems, methods, and computer program products are provided for assisting a consumer during a transaction with a vendor at a point of sale by providing transaction information to the consumer in an audible format. The system includes a consumer device and a payment terminal located proximate the point of sale. The consumer device, either a mobile device carried by the consumer or an immobile device also located proximate the point of sale, communicates with the payment terminal and receives transaction information such as product identity or amount information. The consumer device then produces sound waves audible to the consumer based on the communicated transaction information using one or more private and/or public listening devices. This audible transaction process can be performed automatically during a transaction or can be implemented based on consumer preference.

Audible transaction process and system

Systems and methods provide tactile assistance to a consumer completing a transaction at a point of sale terminal. A tactile overlay, either permanent or removable, couples with a consumer interface such as a touch screen of the point of sale terminal. The tactile overlay includes one or more overlay inputs that provide a distinct tactile impression in comparison with the remainder of the overlay. For example, the overlay inputs can be depressions, apertures, protrusions, dimples, or the like, or provide a different texture such as a rougher or smoother texture than the surrounding overlay. The overlay inputs are configured to correspond with underlying touch screen inputs such that the consumer using the tactile overlay can discern the proper location on the touch screen for providing the desired input.

Tactile overlay for point of sale terminal

Embodiments of the present invention provide currency solutions for the visually impaired by, for example, providing automated teller machines (ATMs) or other cash dispensers configured to dispense folded bills to the customer. The bills are folded based on denomination to allow the customer receiving the bills from the cash dispenser to be able to identify the denomination of each bill. In some embodiments, the cash dispenser is configured to automatically identify whether the customer prefers to receive folded bills and, in some embodiments, the cash dispenser is configured to fold and dispense bills according to customer preferences.

Cash folding apparatus and method

Embodiments of the present invention provide apparatuses, methods, and computer program products that allow for interaction with a user at an automated teller machine (ATM) based on pre-established user preferences. For example, an ATM is provided having: (1) a user interface configured to receive user identifying information from a user; and (2) a processing device operatively coupled to the user interface and configured to use the user identifying information to determine a pre-established user preference, wherein the processing device is further configured to use the user interface to interact with the user based at least partially on the pre-established user preference.

Growing community of inventors

Concord, CA, United States of America

Maile George