US 12,147,963 B1
Proactive bank transaction staging methods and systems
David Patrick Dixon, Boerne, TX (US); John Hope, San Antonio, TX (US); John Loflin, San Antonio, TX (US); Ogechi Namme, San Antonio, TX (US); Andre Rene Buentello, San Antonio, TX (US); Bradly Jay Billman, San Antonio, TX (US); Sharon Kay Haverlah, Bulverde, TX (US); Ross Andrew Thiele, Boerne, TX (US); Gunjan Vijayvergia, San Antonio, TX (US); and Michael Joseph Gaeta, San Antonio, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by United Services Automobile Association (USAA), San Antonio, TX (US)
Filed on Jun. 23, 2023, as Appl. No. 18/340,822.
Application 18/340,822 is a continuation of application No. 17/321,367, filed on May 14, 2021, granted, now 11,715,084.
Application 17/321,367 is a continuation of application No. 16/455,083, filed on Jun. 27, 2019, granted, now 11,042,864, issued on Jun. 22, 2021.
Application 16/455,083 is a continuation of application No. 14/201,736, filed on Mar. 7, 2014, granted, now 10,373,148, issued on Aug. 6, 2019.
Application 14/201,736 is a continuation in part of application No. 13/673,663, filed on Nov. 9, 2012, granted, now 10,387,876, issued on Aug. 20, 2019.
Application 14/201,736 is a continuation in part of application No. 13/673,040, filed on Nov. 9, 2012, abandoned.
Claims priority of provisional application 61/881,920, filed on Sep. 24, 2013.
Claims priority of provisional application 61/557,636, filed on Nov. 9, 2011.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/22 (2012.01); G06Q 20/32 (2012.01)
CPC G06Q 20/22 (2013.01) [G06Q 20/3224 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
generating, by a user device associated with a user, a transaction identifier based on transaction information for one or more transactions associated with an entity;
displaying, by the user device, the transaction identifier for a scanner associated with a computing system of the entity to scan and decode; and
in response to the computing system decoding the transaction identifier, receiving, via the user device, an electronic message that directs the user to an area within a location of the entity based on the transaction information identified by the transaction identifier.