Bank of America Corporation

Nathan Dent

Christian Mande

Kristy M Crist

James Robert Grimsley

Tyler Johnson

Sara Gill

Matthew K Bryant

Matthew E Carroll

Richard L Fitzgerald

Nicholas J Munson

Michael Ogrinz

Timothy Bryan Vannatter

William Harrison McGraw, Iv

Stephen R Crowley

Joel Weiss

Ariela R Yevick

Carrie Anne Hanson

David M Grigg

Alicia C Jones-McFadden

Monika Kapur

Caitlin Chrisman Bullock

Richard Andrew Starbuck

Daniel J Farinella, Iii

James David Freedman

Cheryl S Bond

William H McGraw

Matthew Eugene Clark

Nitu Nanda

Alejandro Vargas

Thomas R Pepera, Ii

Pamela M Ferrell

Matthew Fairbarn

Karen Wayne

Kyle Browne

Kimberly Schoonover

Matthew Fairbaim

James Dolphin

Strand M Hoagland

Aspects of the disclosure relate to processing systems that implement an enhanced reality device to facilitate transactions at a screen-less automated teller machine (ATM). A computing platform may receive a request to initiate a transaction with a screen-less automated ATM. Based on the request to initiate the transaction, the computing platform may send pre-transaction interface information and commands directing the enhanced reality device to generate a pre-transaction interface. The computing platform may receive an authentication request from the screen-less ATM indicating its availability and requesting authentication information. In response to validating the authentication information, the computing platform may generate transaction interface information. The computing platform may send the transaction interface information to the enhanced reality device. The computing platform may receive a transaction completion indication from the screen-less ATM. After receiving the transaction completion indication, the computing platform may send haptic feedback indicating that the transaction is complete.

Processing system for providing enhanced reality interfaces at an automated teller machine (ATM) terminal platform

Arrangements for dynamic data exchange and control are provided. In some examples, user device location data may be detected by a system. The location data may be detected in real-time and one or more entities within a predefined proximity of the detected location may be identified. A communication session may be established with a first entity of the one or more entities identified and a request for a first offer may be transmitted to the first entity. In response, a first offer may be received from the first entity and evaluated to determine whether it is an optimized offer. If so, the offer may be presented to the user. If not, a counter offer may be generated using machine learning. The counter offer may be transmitted to the first entity for evaluation and acceptance or generation of another counter offer. Upon agreeing to a particular offer, the offer may be transmitted to the user device.

Real-time multi-computer data exchange and control system

Aspects of the disclosure relate to processing systems that provide a teller assistant experience using enhanced reality interfaces. The computing platform may initiate a video call with an enhanced reality device, which may cause the enhanced reality device to display a user of the computing platform in a portion of a teller assistance experience interface and may cause the computing platform to display a video stream corresponding to a user of the enhanced reality device. The computing platform may receive a request to generate a teller experience notification based on the video stream. The computing platform may generate commands directing an enhanced reality teller control platform to generate the teller experience notification. The computing platform may send, to the enhanced reality teller control platform, the commands, which may cause the enhanced reality teller control platform to direct the enhanced reality device to display the teller experience notification.

Processing system for providing a teller assistant experience using enhanced reality interfaces

A method, apparatus, computer-readable medium, and/or system may comprise a server having a first processor, a database, and first memory storing computer-executable instructions. The system may comprise a self-service device having a second processor, a plurality of sensors configured to capture images, and second memory storing computer-executable instructions that, when executed by the second processor, cause the self-service device to detect a start of user activity at the self-service device. In response to detecting the start of the user activity at the self-service device, the self-service device may capture, by one or more of the plurality of sensors, a plurality of images of the user activity at the self-service device. The self-service device may detect an end of the user activity at the self-service device. In response to detecting the end of the user activity at the self-service device, the self-service device may generate data indicative of the user activity at the self-service device. The data indicative of the user activity at the self-service device may comprise the plurality of images of the user activity captured by the one or more of the plurality of sensors. The self-service device may establish a connection between the self-service device and the server. The self-service device may transmit, to the server and via the established connection, the data indicative of the user activity at the self-service device.

Data transfer between self-service device and server over session or connection in response to capturing sensor data at self-service device

Aspects of the disclosure relate to processing systems that provide a teller assistant experience using enhanced reality interfaces. The computing platform may receive, from an enhanced reality device, pre-transaction information corresponding to an interaction with an automated teller machine terminal platform. Based on the pre-transaction information, the computing platform may generate teller assistant experience information and commands directing the enhanced reality device to generate a teller assistant experience interface using the teller assistant experience information. The computing platform may send the teller assistant experience information and the commands directing the enhanced reality device to generate the teller assistant experience interface using the teller assistant experience information. The computing platform may initiate a video call between the enhanced reality device and a teller interaction platform, which may be displayed at the enhanced reality device in a portion of the teller assistant experience interface.

Systems and arrangements for modifying the functionality of a computing device are provided. A user may initiate an event at the computing device and may select an option to provide enhanced operations. The system may then modify the functionality of the computing device to enable enhanced operations and may request authentication information from the user. The authentication information may be provided via a mobile computing device of the user and may include, in some arrangements, biometric information of the user. Upon authenticating the user, a user interface may be generated including enhanced operations available for selection. Selection of an operation may be received and the system may determine whether additional information is needed to process the operation. The additional information may be received from the mobile computing device of the user. Upon receiving the additional information, the event/operation may be processed and the enhanced operations may be disabled.

Controlling device operation based on interaction with additional device

Embodiments of the invention are directed to a system, method, or computer program product for creating a communicable linkage for information retrieval and notifications between devices. In this way, the invention identifies a mobile device at an entity location. The system may integrate into the mobile device and present an interactive display onto the display of the mobile device, allowing the user to select products/services associated with the entity. Based on the general interaction and selection a user makes via the mobile device, the system identifies the interaction and presents interaction data to the entity representative at the entity location for assisting the user.

Three-way communication link for information retrieval and notification

The present invention is directed to apparatuses, methods, and computer program products for implementing a pre-contracted, staged, currency exchange system. Implementation includes receiving travel information from a user; processing the travel information, wherein processing the travel information comprises determining a negotiated currency exchange rate based on the received travel information; generating a contract based on processing the travel information, wherein the contract comprises terms for executing one or more transactions using the negotiated currency exchange rate, wherein the negotiated currency exchange rate is valid for at least one of a predetermined location, a predetermined number of transactions, or a predetermined period of time; and executing one or more transactions using the negotiated currency exchange rate in accordance with the contract terms.

Pre-contracted, staged, currency exchange system

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.

Proximity-based notification of a previously abandoned and pre-queued ATM transaction

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.

Determination of customer presence based on communication of a mobile communication device digital signature

Embodiments of the invention are directed to a system, method, or computer program product for receiving a customization that will be displayed on the screen of an ATM based on a customer initiating a session with the ATM. The customization is associated with a function to perform a financial transaction. The function is performed as a result of the customer interacting with the customization on the screen of the ATM. The customization may be altered based on a handicap impairment of the customer. The displaying of the customization may be restricted for security purposes or as a request of the customer.

ATM customer defined user interface for security purposes

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Concord, NC, United States of America

Nathan Dent