US 11,887,187 B2
Streamline banking
William Raymond Bowie, Lake St. Louis, MO (US); Regan E. Harmon, O'Fallon, MO (US); and Christopher T. Scholl, Florissant, MO (US)
Assigned to Mastercard International Incorporated, Purchase, NY (US)
Filed by Mastercard International Incorporated, Purchase, NY (US)
Filed on Sep. 28, 2022, as Appl. No. 17/936,249.
Application 17/936,249 is a division of application No. 16/724,867, filed on Dec. 23, 2019, granted, now 11,475,513.
Prior Publication US 2023/0020878 A1, Jan. 19, 2023
Int. Cl. G06Q 30/00 (2023.01); G06Q 40/02 (2023.01); G06Q 30/016 (2023.01); G06Q 30/0207 (2023.01); G06Q 20/32 (2012.01); G06K 7/14 (2006.01); G06Q 20/36 (2012.01); H04W 12/03 (2021.01); G06Q 20/08 (2012.01); G06Q 20/18 (2012.01)
CPC G06Q 40/02 (2013.01) [G06K 7/1417 (2013.01); G06Q 20/08 (2013.01); G06Q 20/3221 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/3274 (2013.01); G06Q 20/36 (2013.01); G06Q 30/016 (2013.01); G06Q 30/0237 (2013.01); H04W 12/03 (2021.01)] 9 Claims
OG exemplary drawing
 
1. A streamline bank financial network system comprising:
a database storing information associated with one or more financial product offerings offered by one or more financial institutions;
a customer service computing system coupled to the database; and
a customer kiosk coupled to the database and the customer service computing system, said customer kiosk comprising:
a photographic element;
a communication device;
a display;
a motion sensor; and
a processor communicatively coupled to said communication device and said photographic element, communication device, display, and motion sensor, said processor programmed to:
detect the presence of a customer via the motion sensor;
activate the photographic element in response to detecting the presence of the customer;
capture image data with the photographic element, the image data being presented on the display of a customer mobile device associated with the customer;
determine that the captured image data comprises an image of a machine-readable code;
decode the machine-readable code;
extract, from the decoded the machine-readable code, communication information associated with the customer mobile device, the communication information including a first customer mobile device ID;
using the extracted communication information, establish communication with the customer mobile device via said communication device, comprising:
wirelessly transmitting an initial signal to a transceiver of the customer mobile device;
receiving, from the customer mobile device, a response signal, the response signal including a second customer mobile device ID; and
determining that the first customer mobile device ID matches the second customer mobile device ID; and
based on the match determination, establishing communication with the customer mobile device;
retrieve, from the customer mobile device, customer financial account data associated with one or more financial accounts of one or more financial institutions;
retrieve from the database the information associated with one or more financial product offerings offered by the one or more financial institutions;
present to the customer, via the display, each of the one or more financial institutions;
for each of the one or more financial institutions, present to the customer, via the display, the respective one or more financial accounts corresponding to the customer financial account data and the respective one or more financial product offerings;
receive from the customer, via the display, a selection of one or more of the following: the financial accounts and the financial product offerings; and
transmit to the customer service computing system the customer selection.