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Patent metadata

Field	Value
Publication number	US-10192263-B2
Application number	US-201514802973-A
Country	US
Kind code	B2
Filing date	Jul 17, 2015
Priority date	Jul 18, 2014
Publication date	Jan 29, 2019
Grant date	Jan 29, 2019

Abstract

A method and system for recommending a physical location at which to complete an electronic activity are disclosed. In some examples, initiation of the electronic activity by a user at a first physical location is detected, that the electronic activity is to be completed at a physical location different from the first physical location is determined, one or more portions of the electronic activity that remain incomplete are determined, a second physical location at which to complete the one or more incomplete portions of the electronic activity is identified, and information about the electronic activity is provided to the second physical location. In some examples, the identification of the second physical location is based on at least characteristics of the electronic activity, the user, and/or the second physical location.

First claim

We claim:

1. A method, comprising:
detecting initiation of an electronic activity by a user at a first physical location;
determining that the electronic activity is to be completed at a second physical location different from the first physical location;
determining one or more portions of the electronic activity that remain incomplete;
based on at least one characteristic of the one or more incomplete portions of the electronic activity, identifying a second physical location at which to complete the one or more incomplete portions of the electronic activity, the identifying comprising:
determining that a past location of the user is closer to the second physical location than to a third physical location, the third physical location being different from the first and second physical locations; and
when the past location of the user is closer to the second physical location than to the third physical location, selecting the second physical location at which to complete the electronic activity; and

providing information about the electronic activity to the second physical location.

2. The method of claim 1 , wherein determining that the electronic activity is to be completed at the second physical location different from the first physical location comprises determining that the electronic activity requires completion at the second physical location different from the first physical location.

3. The method of claim 1 , wherein determining that the electronic activity is to be completed at the second physical location different from the first physical location comprises detecting a request by the user to complete the electronic activity at the second physical location different from the first physical location.

4. The method of claim 1 , wherein identifying the second physical location comprises determining that one or more past locations of the user are disposed proximate to to the second physical location.

5. The method of claim 1 , wherein
the second physical location is a first distance from the first physical location, and a third physical location is a second distance from the first physical location, the first distance being greater than the second distance.

6. The method of claim 1 , wherein:
the second physical location is a first distance from a first past location of the user, and a third physical location is a second distance from a second past location of the user, the first distance being greater than the second distance, and
identifying the second physical location comprises:
determining that the user's average duration at the first past location is longer than the user's average duration at the second past location; and
based on the determination that the user's average duration at the first past location is longer than the user's average duration at the second past location, selecting the second physical location at which to complete the electronic activity.

7. The method of claim 1 , wherein identifying the second physical location comprises:
determining one or more resources needed to complete the one or more incomplete portions of the electronic activity; and
determining that the second physical location has the one or more resources.

8. The method of claim 1 , wherein identifying the second physical location comprises determining that a wait time at the second physical location is shorter than a threshold amount of time.

9. The method of claim 1 , wherein the electronic activity comprises an activity initiated online at the first physical location.

10. The method of claim 1 , wherein providing the information about the electronic activity to the second physical location comprises providing a current state of the electronic activity to the second physical location.

11. The method of claim 1 , further comprising scheduling an appointment with a resource at the second physical location for completing the electronic activity at the second physical location.

12. The method of claim 1 , further comprising providing information about the user to the second physical location for use in completing the electronic activity.

13. The method of claim 1 , further comprising providing the user with information about one or more actions for the user to take at the second physical location to complete the one or more incomplete portions of the electronic activity.

14. The method of claim 1 , wherein:
the electronic activity comprises a transaction between the user and a first party, and the second physical location is not formally associated with the first party.

15. The method of claim 1 , wherein determining that the electronic activity is to be completed at the second physical location different from the first physical location comprises:
determining that one or more portions of the electronic activity are to be completed at the second physical location based on regulations associated with the electronic activity.

16. The method of claim 1 , wherein determining that the electronic activity is to be completed at the second physical location different from the first physical location comprises:
in accordance with a determination that the user has a first characteristic, determining that a first portion of the electronic activity is to be completed at the second physical location; and
in accordance with a determination that the user has a second characteristic, different from the first characteristic, determining that a second portion of the electronic activity, different from the first portion, is to be completed at the second physical location.

17. The method of claim 1 , wherein determining that the electronic activity is to be completed at the second physical location different from the first physical location comprises:
in accordance with a determination that the user has a first characteristic, determining that a first portion of the electronic activity is to be completed at the second physical location; and
in accordance with a determination that the user has a second characteristic, different from the first characteristic, forgoing determining that the first portion of the electronic activity is to be completed at the second physical location.

18. The method of claim 1 , wherein determining that the electronic activity is to be completed at the second physical location different from the first physical location comprises:
determining whether the user may be likely to purchase a product or service distinct from the electronic activity;
in accordance with a determination that the user may be likely to purchase the product or service, determining that the electronic activity is to be completed at the second physical location; and
in accordance with a determination that the user may not be likely to purchase the product or service, forgoing determining that the electronic activity is to be completed at the second physical location.

19. A non-transitory computer-readable storage medium having stored therein instructions, which when executed by a processor, cause the processor to perform a method comprising:
detecting initiation of an electronic activity by a user at a first physical location;
determining that the electronic activity is to be completed at a second physical location different from the first physical location;
determining one or more portions of the electronic activity that remain incomplete;
based on at least one characteristic of the one or more incomplete portions of the electronic activity, identifying a second physical location at which to complete the one or more incomplete po

Assignees

• Toronto Dominion Bank

Inventors

• Barnett Jonathan K
• Van Heerden Lauren
• Del Vecchio Orin
• Nadarajah Gunalan
• Barbon John
• Chan Paul Mon-Wah
• Danielak Jakub
• Moretti Christianne
• Hamilton Matthew

Classifications

• G06Q40/02 Primary

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title

• G06Q20/108

  Remote banking, e.g. home banking · CPC title