System and method for interactive virtual banking

Patent metadata

Field	Value
Publication number	US-9760947-B2
Application number	US-201414266852-A
Country	US
Kind code	B2
Filing date	May 1, 2014
Priority date	Nov 16, 2011
Publication date	Sep 12, 2017
Grant date	Sep 12, 2017

Abstract

Embodiments of the invention are directed to a computer-implemented interactive virtual banking system and method for connecting a user environment with a banking environment for facilitating banking transactions. The system may include a computer memory storing a plurality of banking application programs and an interactive virtual environment generator for generating an interactive virtual banking environment, the environment including visual and audio components. The system may additionally include a user input sensing mechanism for accepting and interpreting user voice input received in the interactive virtual banking environment and computer processing components for accessing the stored banking application programs and executing the stored banking programs within the generated interactive virtual banking environment enabling the user to perform banking tasks through voice input to the interactive virtual banking environment.

First claim

The invention claimed is:

1. A computer-implemented interactive virtual banking system for connecting a user environment, including an account holder computing system, with a banking environment for facilitating banking transactions, the system comprising:
a computer memory disposed within the interactive virtual banking system and storing a plurality of programs including banking application programs;
an interactive virtual environment generator for generating an interactive virtual banking environment, the interactive virtual banking environment including visual and audio components depicting a rendering of a bank branch;
a user input sensing system for accepting and interpreting user input received in the interactive virtual banking environment generated by the interactive virtual environment generator, wherein the sensing system senses a user presence in the interactive virtual banking environment and synchronizes all user devices upon sensing the user presence; and
computer processing components for accessing the stored programs including the banking application programs and executing the stored programs to perform steps including;
providing customization options allowing the user to enter input to select customized features of a bank branch within the generated interactive virtual banking environment;
providing a rendering of multiple portals for the customized bank branch within the generated interactive virtual banking environment, the multiple portals each associated with different services;
sensing user input through the user input sensing mechanism, the user input requesting entry into one of the multiple portals;
responsive to the user input, selecting and retrieving an application from the computer memory; and
providing the interactive application, over the Internet to the account holder computing system, for allowing the user to receive the service associated with the selected portal in the customized interactive virtual banking environment.

2. The system of claim 1 , wherein the portals include renderings of a teller window, a loan officer, and a sales office.

3. The system of claim 2 , wherein the portals provide live transaction options through video chat.

4. The system of claim 1 , wherein at least one of the multiple portals is a partner portal providing access to a merchant service available from a merchant partner of the bank branch.

5. The system of claim 1 , wherein the customization options enable the user to customize at least a spoken language within the interactive virtual banking environment.

6. The system of claim 5 , wherein the customization options enable customization of a user avatar within the interactive virtual banking environment.

7. The system of claim 1 , wherein the user input sensing system accepts tactile input and voice input from the user within the interactive virtual banking environment.

8. The system of claim 1 , wherein the user input sensing system senses motion of the user within the interactive virtual banking environment.

9. The system of claim 1 , further including an external systems interface for receiving customized offers from a central offer engine and providing the customized offers within the interactive virtual banking environment.

10. The system of claim 1 , further comprising a notification engine for providing banking alerts to the user within the interactive virtual banking environment.

11. The system of claim 1 , wherein the interactive virtual banking environment comprises audio cues presented by at least one virtual teller within the home bank branch.

12. The system of claim 11 , wherein the interactive virtual banking environment comprises multiple transaction options available accessible through visual and audio input from the user.

13. The system of claim 1 , wherein the rendering is a three dimensional holographic rendering.

14. The system of claim 1 , wherein the rendering is projected from a device to a surface area.

15. The system of claim 1 , wherein the virtual environment generator generates a default bank branch in the interactive virtual banking environment when the user does not customize the bank branch, the default bank branch comprising a home bank branch.

16. The system of claim 1 , wherein the customization options further facilitate generation of interactive offers from partner merchants for display in the virtual interactive banking environment.

17. A computer-implemented interactive virtual banking method for connecting a user environment, including an account holder computing system, with a banking environment for facilitating banking transactions, the method comprising:
storing a plurality of programs including banking application programs in a computer memory;
generating an interactive virtual banking environment using a virtual environment generator, the interactive virtual banking environment including visual and audio components and a rendering of a bank branch selected by the user;
sensing user input into the interactive virtual banking environment using a user input sensing system for accepting and interpreting user input received in the interactive virtual banking environment generated by the interactive virtual environment generator, wherein the sensing system senses a user presence in the interactive virtual banking environment and synchronizes all user devices upon sensing the user presence; and
accessing the stored programs including banking application programs and executing the stored programs using a computer processor to perform steps including;
providing customization options allowing the user to enter input to select customized features of a bank branch within the generated interactive virtual banking environment;
providing a rendering of multiple portals for the customized bank branch within the generated interactive virtual banking environment, the multiple portals each associated with different services;
sensing user input through the user input sensing mechanism, the user input requesting entry into one of the multiple portals;
responsive to the user input, selecting and retrieving an application from the computer memory; and
providing the interactive application over the Internet to the account holder computing system, for allowing the user to receive the service associated with the selected portal in the customized interactive virtual banking environment.

18. The method of claim 17 , wherein the portals include renderings of a teller window, a loan officer, and a sales office.

19. The system of claim 18 , wherein the portals provide live transaction options through video chat.

20. The method of claim 17 , wherein at least one of the multiple portals is a partner portal providing access to a merchant service available from a merchant partner of the bank branch.

21. The method of claim 17 , wherein the customization options enable the user to customize at least a spoken language within the interactive virtual banking environment.

22. The method of claim 17 , wherein the customization options enable customization of a user avatar within the interactive virtual banking environment.

23. The method of claim 17 , further comprising accepting tactile input and voice input from the user within the interactive virtual banking environment.

24. The method of claim 17 , further comprising sensing motion of the user within the interactive virtual banking environment.

25. The method of claim 17 , further

Assignees

• Jpmorgan Chase Bank Na

Inventors

• Murray Sean H
• Keevil Allison A

Classifications

• G06Q40/02 Primary

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

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q40/00

  Finance; Insurance; Tax strategies; Processing of corporate or income taxes · CPC title

• G06Q20/40

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title

• G06Q20/108

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