Granted Patent B2

US 8,570,281 · App. 12/491,875 · Granted Oct 29, 2013

Abstract

Claims (35)

1. Apparatus for enabling a bank customer and a bank staff member at a bank branch to jointly and interactively complete an electronic financial application form during a single financial transaction at the bank branch, the apparatus comprising:

a computer;

a multi-touch surface in communication with the computer;

a sensor unit coupled between the multi-touch surface and the computer and for obtaining a barcode associated with a portable device which has been placed on the multi-touch surface; and

a communication facility coupled to the computer and for communicating between the computer and portable devices in the vicinity of the multi-touch surface;

wherein the computer includes a financial application arranged to (i) receive data transferred from a bank staff member's second portable device via the multi-touch surface, and (iii) create an electronic financial application form populated with data received from both the bank customer's first portable device and the bank staff member's second portable device during the single financial transaction using the same multi-touch surface; and

wherein (i) the communication facility wirelessly communicates with a number of portable devise in the vicinity of the communication facility to receive at a first time unique identifiers associated with the number of portable devices, (ii) the computer ascertains if one of the unique identifiers received at the first time from the number of portable devices in the vicinity of the communication facility matches a barcode obtained by the sensor unit and associated with the bank customer's first portable device, and (iii) the computer presents the bank customer with the electronic financial application form via the multi-touch surface when there is a match between one of the unique identifiers received at the first time from the number of portable devices in the vicinity of the communication facility and the barcode obtained by the sensor unit and associated with the bank customer's first portable device.

2. Apparatus according to claim 1 , wherein the communication facility comprises a near-field communications (NFC) wireless transceiver.

3. Apparatus according to claim 2 , wherein the NFC wireless transceiver comprises a contactless smart card reader.

4. Apparatus according to claim 1 , wherein the communication facility comprises a short range radio frequency (RF) transceiver.

5. Apparatus according to claim 1 , wherein the communication facility wirelessly communicates with the number of portable devices in the vicinity of the communication facility before the bank customer places the bank customer's first portable device on or near the multi-touch surface.

6. Apparatus according to claim 5 , wherein (i) the communication facility wirelessly communicates with a number of portable devices in the vicinity of the communication facility to receive at a second time unique identifiers associated with the number of portable devices after the bank customer has placed the bank customer's first portable device on or near the multi-touch surface, (ii) the computer ascertains if one of the unique identifiers received at the second time from the number of portable devices in the vicinity of the communication facility matches a barcode obtained by the sensor unit and associated with the bank staff member's second portable device, and (iii) the computer presents the bank staff member with an electronic passcode input form via the multi-touch surface to allow the bank staff member to enter a passcode when there is a match between one of the unique identifiers received at the second time from the number of portable devices in the vicinity of the communication facility and the barcode obtained by the sensor unit and associated with the bank staff member's second portable device.

7. A method of operating a computing device including a multi-touch surface located at a bank branch to enable a bank customer carrying a first portable device and a bank staff member carrying a second portable device to jointly and interactively complete an electronic financial application form during a single financial transaction at the bank branch, the method comprising:

wirelessly communicating with a number of portable devices in the vicinity of the communication facility to receive at a first time a number of unique identifiers associated with the number of portable devices;

obtaining a barcode associated with the bank customer's first portable device which has been placed on or near the multi-touch surface;

electronically by a computer, ascertaining if one of the unique identifiers received at the first time from the number of portable devices in the vicinity of the communication facility matches the barcode associated with the bank customer's first portable device;

electronically by a computer, presenting the bank customer with the electronic financial application form via the multi-touch surface when there is a match between one of the unique identifiers received at the first time from the number of portable devices in the vicinity of the communication facility and the barcode associated with the bank customer's first portable device;

transferring data from the bank customer's first portable device placed on or near the multi-touch surface to the electronic financial application form which has been presented via the multi-touch surface to at least partially complete the electronic financial application form during the single financial transaction;

electronically by a computer, notifying the bank staff member to enable the bank staff member carrying the second portable device to assist the bank customer in completing the electronic financial application form; and

transferring data from the bank staff member's second portable device placed on or near the multi-touch surface to the electronic financial application form to complete the electronic financial application form which has been at least partially completed by data transferred from the bank customer's first portable device during the single financial transaction using the same multi-touch surface.

8. A method according to claim 7 , wherein wirelessly communicating with the number of portable devices in the vicinity of the communication facility is before the bank customer placing the bank customer's first portable device on or near the multi-touch surface.

9. A method according to claim 7 , further comprising:

wirelessly communicating with a number of portable devices in the vicinity of the communication facility to receive at a second time unique identifiers associated with the number of portable devices after the bank customer has placed the bank customer's first portable device on or near the multi-touch surface;

obtaining a barcode associated with the bank staff member's second portable device which has been placed on or near the multi-touch surface;

electronically by a computer, ascertaining if one of the unique identifiers received at the second time from the number of portable devices in the vicinity of the communication facility matches the barcode associated with the bank staff member's second portable device; and

electronically by a computer, presenting the bank staff member with an electronic passcode input form via the multi-touch surface to allow the bank staff member to enter a passcode when there is a match between one of the unique identifiers received at the second time from the number of portable devices in the vicinity of the communication facility and the barcode associated with the bank staff member's second portable device.

10. A method according to claim 9 , wherein wirelessly communicating with the number of portable devices in the vicinity of the communication facility is before the bank staff member placing the bank staff member's second portable device on or near the multi-touch surface.

11. A method according to claim 7 , wherein electronically by a computer, presenting the bank customer with the electronic financial application form via the multi-touch surface is implemented by the multi-touch surface displaying a representation of the electronic financial application form on a portion of the multi-touch surface.

12. A method according to claim 7 , wherein the bank customer's first portable device comprises a cellular radio frequency telephone.

13. A method according to claim 7 , wherein the bank staff member's second portable device comprises an integrated circuit card.

14. A method according to claim 7 , wherein the bank customer's first portable device includes a sharing facility to allow the bank customer to populate personal information on a template that can be transferred by the bank customer to the electronic financial application form.

15. A method according to claim 7 , wherein at the first time, transferring data from the bank customer's first portable device placed on or near the multi-touch surface to the electronic financial application form is implemented by the multi-touch surface displaying an image of a template containing personal information and transferring data from the image to the electronic financial application form in response to the bank customer dragging the image to an image of the electronic financial application form.

16. A method according to claim 7 , wherein at the second time which is after the first time, transferring data from the bank staff member's second portable device placed on or near the multi-touch surface to the electronic financial application form includes verifying a claimed identity of the bank staff member's second portable device.

17. A method according to claim 7 , further comprising:

validating that the electronic financial application form has been completed by checking that every required field has been completed.

Assignments (16)