Systems and methods for management of mobile banking resources

Patent metadata

Field	Value
Publication number	US-10055726-B2
Application number	US-201414554930-A
Country	US
Kind code	B2
Filing date	Nov 26, 2014
Priority date	Jul 14, 2014
Publication date	Aug 21, 2018
Grant date	Aug 21, 2018

Abstract

Systems and methods for the management of mobile banking resources are disclosed. In one embodiment, a self-propelled, mobile transaction resource may include an unmanned, self-propelled, mobile platform; a user interface for interfacing with a user for conducting a transaction; at least one controller that controls the movement of the mobile platform and the user interface; a communications interface for the at least one controller that communicates with a server; and a plurality of sensors that capture at least one characteristic of the user.

First claim

What is claimed is:

1. A self-propelled, mobile transaction resource comprising:
an unmanned, self-propelled, mobile platform comprising:
a motor;
a plurality of wheels or tracks driven by the motor; and
a power supply that powers the motor;

a user interface comprising a screen and a user input device for interfacing with a user conducting a transaction;
at least one controller that controls the movement of the mobile platform and the user interface;
a communications interface for the at least one controller that communicates with a server; and
wherein the communications interface receives customer demand data for the mobile transaction resource from the server, the customer demand data representing demand for the mobile transaction resource from a plurality of customers of the mobile transaction resource at a plurality of customer locations; and
the at least one controller determines one of the plurality of customer locations for the unmanned, self-propelled, mobile platform based on the customer demand data, and controls the motor to move the unmanned, self-propelled, mobile platform to the determined customer location.

2. The self-propelled, mobile transaction resource of claim 1 , further comprising:
a banking resource in communication with the user interface.

3. The self-propelled, mobile transaction resource of claim 2 , wherein the banking resource comprises an automated teller machine.

4. The self-propelled, mobile transaction resource of claim 1 , further comprising:
a compartment for receiving the user;
wherein the user interface is located within the compartment.

5. The self-propelled, mobile transaction resource of claim 4 , wherein the compartment is secure.

6. The self-propelled, mobile transaction resource of claim 4 , wherein the self-propelled, mobile banking resource transports the user to a destination.

7. The self-propelled, mobile banking resource of claim 1 , wherein the unmanned, self-propelled, mobile platform further comprises a vertical propulsion system.

8. The self-propelled, mobile banking resource of claim 1 , wherein the unmanned, self-propelled, mobile platform is guided remotely.

9. The self-propelled, mobile transaction resource of claim 1 , wherein the unmanned, self-propelled, mobile platform is autonomous.

10. The self-propelled, mobile transaction resource of claim 1 , wherein the biometric sensor periodically captures the at least one characteristic of the user during the transaction.

11. The self-propelled, mobile transaction resource of claim 1 , further comprising a biometric sensor that captures at least one characteristic of the user;
wherein the biometric sensor continuously captures a behavioral biometric of the user during the transaction.

12. The self-propelled, mobile transaction resource of claim 1 , wherein the communications interface receives event data, and the at least one controller further determines the customer location for the unmanned, self-propelled, mobile platform based on the event data.

13. The self-propelled, mobile transaction resource of claim 1 , wherein the communications interface receives weather data, and the at least one controller further determines the customer location for the unmanned, self-propelled, mobile platform based on the weather data.

14. The self-propelled, mobile transaction resource of claim 1 , wherein the communications interface communicates with a second self-propelled, mobile transaction resource.

Assignees

• Jpmorgan Chase Bank Na

Inventors

• Kursun Eren
• Lee Sih

Classifications

• G06Q40/02

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

• G06Q20/108

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

• G06Q20/3221 Primary

  Access to banking information through M-devices · CPC title

• G07F19/205

  Housing aspects of ATMs · CPC title