System and method for providing a portable ATM

Patent metadata

Field	Value
Publication number	US-11062282-B2
Application number	US-201916267046-A
Country	US
Kind code	B2
Filing date	Feb 4, 2019
Priority date	Jan 7, 2014
Publication date	Jul 13, 2021
Grant date	Jul 13, 2021

Abstract

Embodiments include a database that maintains a respective status of mobile ATMs that indicates the location and cash available for withdrawal, a communication interface that receives a request for a mobile ATM from a user device, the request including user device location data, a location processor that compares the user device location data to location data of the mobile ATMs, and determines a first mobile ATM that is closest to the user device based on the user device location data, and a backend transaction processor that processes the transaction when confirmed. The communication interface transmits an alert that includes the request to the first mobile ATM, receives a response, transmits another alert that includes the location of the first mobile ATM and an estimated time that the first mobile ATM will arrive at the location associated to the user device, and receives confirmation from the first mobile ATM.

First claim

The invention claimed is:

1. A system of one or more network enabled computers, comprising:
one or more location processors in communication with one or more load balancers;
a first memory storing first instructions that, when executed, are configured to cause the one or more location processors to:
receive, from one of the one or more load balancers, a request for a mobile automatic teller-machine (ATM) of a plurality of mobile ATMs received by one of the one or more load balancers from a user device, the request comprising transaction location data indicating a geographic location at which the mobile ATM is requested to meet a user associated with the user device, wherein each mobile ATM of the plurality of mobile ATMs comprise a driverless vehicle;
receive, for each mobile ATM of the plurality of mobile ATMs, respective ATM location data indicating a respective geographic location of the mobile ATM; and
determine, based at least in part on a comparison of the transaction location data to the respective ATM location data of the plurality of mobile ATMs, that a geographic location of a first mobile ATM of the plurality of mobile ATMs is a closest mobile ATM, from among the plurality of mobile ATMs, to the geographic location indicated by the transaction location data;

one or more communications processors;
a second memory storing second instructions that, when executed, are configured to cause the one or more communications processors to:
transmit a first alert to the first mobile ATM; and
transmit a second alert to the user device, the second alert comprising an estimated time and a proposed alternate geographic location at which the first mobile ATM will arrive at the proposed alternate geographic location for meeting the user associated with the user device, the proposed alternate geographic location differing from the requested geographic meeting location.

2. The system of claim 1 , further comprising:
one or more transaction processors; and

a third memory storing third instructions that, when executed, are configured to cause the one or more transaction processors to:
receive, from the first mobile ATM, confirmation that a transaction was completed, the transaction comprising the first mobile ATM either providing cash to the user associated with the user device or receiving cash from the user associated with the user device.

3. The system of claim 2 , wherein the transaction processor receives the confirmation responsive to the first mobile ATM receiving a radio frequency identification signal from the user device to initiate the transaction.

4. The system of claim 1 , wherein first instructions, when executed, are further configured to cause the one or more location processors to:
direct at least one of the plurality of mobile ATMs to a location that is associated with an area of high demand.

5. The system of claim 4 , wherein the first instructions, when executed, are further configured to cause the one or more location processors to:
determine the location associated with the area of high demand based at least in part on one or more past customer requests for mobile ATMs.

6. The system of claim 3 , further comprising:
multiple additional computing resources, comprising: a plurality of additional location processors, a plurality of additional transaction processors, and a plurality of additional communication processors; and
one or more load balancers for distributing workloads across the multiple computing resources.

7. A method comprising:
receiving, at a network-enabled computer and from a load balancer, a mobile automatic teller-machine (ATM) request comprising transaction location data indicating a requested geographic meeting location for a mobile ATM to meet a user associated with a user device;
receiving, from each mobile ATM of a plurality of mobile ATMs, respective ATM location data indicating a respective geographic location of the mobile ATM, wherein each mobile ATM of the plurality of mobile ATMs comprise a driverless vehicle;
identifying a closest mobile ATM from among the plurality of mobile ATMs based at least in part on a comparison of the requested geographic meeting location and the respective ATM location data of the plurality of mobile ATMs;
transmitting, from the network-enabled computer, a first alert to the identified closest mobile ATM, the first alert comprising information regarding the mobile ATM request;
receiving, at the network-enabled computer, a response from the identified closest mobile ATM, wherein the response from the identified closest mobile ATM is in reply to the first alert and comprises an estimated time and a proposed alternate geographic location for meeting the user associated with the user device, the proposed alternate geographic location differing from the requested geographic meeting location; and
receiving, at the network-enabled computer and from the identified closest mobile ATM, a confirmation that a transaction was executed with the user device.

8. The method of claim 7 , wherein the information regarding the mobile ATM request comprises at least one content element of: the requested geographic meeting location, identification information associated with the user, contact information associated with the user, an account number associated with the user, and an amount of a requested withdrawal or deposit.

9. The method of claim 7 , wherein the response from the identified closest mobile ATM comprises at least one response type of: an affirmative response indicating that the identified closest mobile ATM has accepted the request; a negative response indicating that the identified closest mobile ATM has rejected the request; and an alternative response indicating that the identified closest mobile ATM has neither accepted nor rejected the request.

10. The method of claim 9 further comprising searching, by the network-enabled computer and responsive to receiving the negative response from the identified closest mobile ATM, for another mobile ATM to resolve the mobile ATM request.

11. The method of claim 7 , wherein the confirmation that the transaction was executed is indicative of either (i) cash being provided to the user associated with the user device or (ii) cash being received from the user associated with the user device.

12. The method of 11 , wherein the transaction is executed responsive to the user device transmitting a radio frequency identification signal to the identified closest mobile ATM.

13. A system comprising:
one or more processors in communication with one or more load balancers;
memory in communication with the one or more processors and storing instructions that, when executed, are configured to cause the one or more processors to:
receive, from one of the one or more load balancers, a mobile automatic teller-machine (ATM) request comprising transaction location data indicating a requested geographic meeting location at which a mobile ATM is requested to meet a user associated with the user device;
receive, for each mobile ATM of a plurality of mobile ATMs, respective ATM location data indicating a respective geographic location of the mobile ATM, wherein each mobile ATM of the plurality of mobile ATMs comprise a driverless vehicle;
determine, based at least in part on a comparison of the transaction location data to the respective ATM location data of the plurality of mobile ATMs, that a first mobile ATM of the plurality of mobile ATMs is a closest mobile ATM to the requested geographic meeting location;
transmit, to the user device, a first alert comprising response data associated with the first mobile ATM, wherein the response data furt

Assignees

• Capital One Services Llc

Inventors

• Deluca Brian
• Chavan Harish
• Warder Jamie
• Doerfler Max
• Grisaitis William
• Pande Mayank

Classifications

• H04W4/021

  Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences · CPC title

• G07F19/211

  Software architecture within ATMs or in relation to the ATM network · CPC title

• G07F19/205

  Housing aspects of ATMs · CPC title

• G07F19/201

  Accessories of ATMs · CPC title

• G07F19/20

  Automatic teller machines [ATMs] · CPC title