Multiple party branch recommendation

Patent metadata

Field	Value
Publication number	US-10192264-B2
Application number	US-201514802975-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 at least in part because completion of the electronic activity requires the user and one or more other parties 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 one or more other parties.

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 at least in part because completion of the electronic activity requires the user and one or more other parties;
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 the second physical location at which to complete one or more of the incomplete portions of the electronic activity, and identifying a third physical location at which to complete an additional one or more of the incomplete portions of the electronic activity, the third physical location being different from the second physical location;
providing information about the electronic activity to the one or more other parties;
providing the second physical location to the user as a first recommended physical location for completing the electronic activity; and
providing the third physical location to a first party of the one or more other parties as a second recommended physical location for completing the electronic activity.

2. The method of claim 1 , wherein identifying the second physical location comprises determining that the user and the one or more other parties have in the past been in close proximity to the second physical location, the method further comprising:
providing the second physical location to the user and the one or more other parties as the first recommended location for completing the electronic activity.

3. The method of claim 1 , further comprising
providing the third physical location to a second party of the one or more other parties as a second recommended physical location for completing the electronic activity.

4. The method of claim 3 , wherein:
identifying the second physical location comprises determining that the user has in the past been in close proximity to the second physical location, and
identifying the third physical location comprises determining that the first party and the second party have in the past been in close proximity to the third physical location.

5. The method of claim 1 , wherein:
identifying the second physical location comprises determining that the user has in the past been in close proximity to the second physical location, and
identifying the third physical location comprises determining that the first party has in the past been in close proximity to the third physical location.

6. The method of claim 1 , wherein providing the information about the electronic activity to the one or more other parties comprises:
providing, to the first party, first information for completing the electronic activity; and
providing, to a second party of the one or more other parties, second information, different from the first information, for completing the electronic activity.

7. The method of claim 6 , wherein the first information comprises information about a first action to be taken by the first party to facilitate completion of the electronic activity, and the second information comprises information about a second action, different from the first action, to be taken by the second party to facilitate completion of the electronic activity.

8. The method of claim 1 , wherein providing the information about the electronic activity to the one or more other parties comprises:
providing, to the user, first information for completing the electronic activity; and
providing, to the first party, second information, different from the first information, for completing the electronic activity.

9. The method of claim 8 , wherein the first information comprises information about a first action to be taken by the user to facilitate completion of the electronic activity, and the second information comprises information about a second action, different from the first action, to be taken by the first party to facilitate completion of the electronic activity.

10. The method of claim 1 , wherein the one or more other parties are not at the second physical location.

11. The method of claim 1 , wherein providing the information about the electronic activity to the one or more parties comprises providing the information about the electronic activity to the third physical location, the third physical location having information needed at the second physical location to complete the electronic activity at the second physical location.

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

13. The method of claim 1 , wherein providing the information about the electronic activity to the one or more other parties comprises providing a current state of the electronic activity to the one or more other parties.

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

15. The method of claim 1 , wherein: the electronic activity comprises a transaction between the user and an entity, and at least one of the other parties is not formally associated with the entity.

16. The method of claim 1 , wherein: completion of the electronic activity requires the user and the one or more other parties based on regulations associated with the electronic activity.

17. The method of claim 1 , further comprising scheduling an appointment with the one or more other parties at the second physical location for completing the electronic activity at the second physical location.

18. 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 at least in part because completion of the electronic activity requires the user and one or more other parties;
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 the second physical location at which to complete one or more of the incomplete portions of the electronic activity, and identifying a third physical location at which to complete an additional one or more of the incomplete portions of the electronic activity, the third physical location being different from the second physical location;
providing information about the electronic activity to the one or more other parties;
providing the second physical location to the user as a first recommended physical location for completing the electronic activity; and
providing the third physical location to a first party of the one or more other parties as a second recommended physical location for completing the electronic activity.

19. A system, comprising:
a memory configured to store instructions; and
a processor coupled to the memory and configured to execute the stored instructions 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 loc

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