US 12,014,303 B2
Curbside branch optimization
Darren Michael Carvalho, Toronto (CA); Shania Xian Yu Fu, Markham (CA); Jordan Ross Stirling, Waterloo (CA); and Jinoj Titus, Oshawa (CA)
Assigned to The Toronto-Dominion Bank
Filed by The Toronto-Dominion Bank, Toronto (CA)
Filed on Sep. 25, 2019, as Appl. No. 16/582,368.
Prior Publication US 2021/0089986 A1, Mar. 25, 2021
Int. Cl. G06Q 10/0631 (2023.01); G07F 19/00 (2006.01); H04W 4/021 (2018.01); H04W 4/029 (2018.01); H04W 4/30 (2018.01)
CPC G06Q 10/06315 (2013.01) [G07F 19/209 (2013.01); H04W 4/021 (2013.01); H04W 4/029 (2018.02); H04W 4/30 (2018.02)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
at least one memory storing instructions; and
at least one hardware processor interoperably coupled with the at least one memory, wherein the instructions instruct the at least one hardware processor to:
obtain historical data and current exchange data of customers of a financial institution associated with a particular location;
obtain external data about the particular location, the external data comprising at least one of demographic data, commute-related information, seasonal information, local information, event information, or geo-location-related information;
enrich, as enriched data, the historical data and the current exchange data with the external data, wherein the enrichment includes:
merging the historical data and the current exchange data with the external data; and
deriving insights of customer demands for financial services associated with the particular location;
identify one or more analysis rules to apply to the enriched data to determine an estimated demand for the financial services associated with deployment of a mobile site of the financial institution at the particular location;
compare the estimated demand to a predetermined threshold;
in response to a determination that the estimated demand exceeds the predetermined threshold, trigger the deployment of the mobile site at the particular location;
detect that a customer enters an area around the mobile site at the particular location using location-related data provided by a device that includes a Global Positioning System (GPS) receiver; and
in response to detecting that the customer enters the area around the mobile site at the particular location, transmit a notification to the customer to inform the customer about the mobile site and a particular financial service that is featured at the mobile site.