Robotically assisted banking automation and insurance system

• US 10,043,219 B2
• Filed: 02/15/2016
• Issued: 08/07/2018
• Est. Priority Date: 02/21/2012
• Status: Active Grant

• Current Assignee: Neil Shivraj Davey, Sonya R. Davey
• Original Assignee: Neil Shivraj Davey, Sonya R. Davey
• Inventors: Davey, Neil Shivraj, Swain, Sujay, Davey, Sonya R.
• Primary Examiner(s): CUMBESS, YOLANDA RENEE
• Application Number:
  US15/044,027
• Publication Number:
  US 20160253761A1
• Time in Patent Office: 904 Days
• Field of Search: None
• CPC Class Codes: B25J 11/0005 Manipulators having means for high-level communication with users, e.g. speech generator, face recognition means
• CPC Class Codes: B25J 11/008 Manipulators for service tasks
• CPC Class Codes: B65G 1/1373 for fulfilling orders in warehouses
• CPC Class Codes: G06F 30/13 Architectural design, e.g. computer-aided architectural design [CAAD] related to design of buildings, bridges, landscapes, production plants or roads
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G16H 20/10 relating to drugs or medications, e.g. for ensuring correct administration to patients
• CPC Class Codes: G16Z 99/00 Subject matter not provided for in other main groups of this subclass
• CPC Class Codes: Y10S 901/01 Mobile robot

Abstract

A banking automation and insurance system comprising a bank, a robot that retrieves and stores a good deposited in the bank, a sensor that validates presence of the good while in storage in the bank, and a processor that generates information related to the good, wherein the information constitutes data for determining underwriting risk, risk score, or price of insurance of the good. The robot robotically assists one or more individuals in retrieval and storage of goods deposited in the bank, wherein during the retrieval and storage of the good by the robot: (a) the individual maintains privacy by being placed in a private location, (b) the individual and other individuals are able to retrieve and store good simultaneously, and (c) identification of the individual is verified.

Claims

1. A method comprising robotically assisting an individual using a robot in retrieval and storage of a good deposited in a bank, robotically mapping at least a portion of the bank, and generating information related to the good, wherein the information constitutes data for determining underwriting risk, risk score, or price of insurance of the good.

2. The method of claim 1, wherein during the retrieval and storage of the good by the robot:

(a) the individual maintains privacy by being placed in a private location, (b) the individual and other individuals are able to retrieve and store good simultaneously, and (c) identification of the individual is verified.

3. The method of claim 1, further comprising validating authenticity of the good while in storage in the bank.

4. The method of claim 1, further comprising determining location of the good while in storage in the bank or outside the bank or both.

5. The method of claim 1, further comprising determining duration of the good while in storage in the bank.

6. The method of claim 1, further comprising robotically determining the chemical constituents of the good while in storage in the bank.

7. The method of claim 1, further comprising storing the good in an oxygen-free or inert environment while in storage in the bank.

8. The method of claim 1, wherein the robot accepts biometric or other data input to identify the plurality of individuals.

9. The method of claim 1, wherein a location of the good has an associated code and each of the plurality of the individuals has an associated key, and only when the robot associates the associated code with the associated key does the robot retrieve the good from the location.

10. The method of claim 1, wherein the bank comprises a financial institution that safeguards valuables and/or money of customers, a tissue bank, a gene bank, a sperm bank, a stem cell bank, a library for storage of books, movies or photographs, a central intelligence agency that safeguards classified or non-classified data and goods, an archive, an armory for storage of weapons, a storage facility or combinations thereof.

11. A system comprising a bank, a robot that retrieves and stores a good deposited in the bank, a sensor that validates presence of the good while in storage in the bank, and a processor that generates information related to the good, wherein the information constitutes data for determining underwriting risk, risk score, or price of insurance of the good.

12. The system of claim 11, wherein during the retrieval and storage of the good by the robot:

(a) the individual maintains privacy by being placed in a private location, (b) the individual and other individuals are able to retrieve and store good simultaneously, and (c) identification of the individual is verified.

13. The system of claim 11, wherein the system further validates authenticity of the good while in storage in the bank.

14. The system of claim 11, wherein the system further determines location of the good while in storage in the bank or outside the bank or both.

15. The system of claim 11, wherein the system further determines duration of the good while in storage in the bank.

16. The system of claim 11, wherein the system further determines robotically the chemical constituents of the good while in storage in the bank.

17. The system of claim 11, wherein the system further stores the good in an oxygen-free or inert environment while in storage in the bank.

18. The system of claim 11, wherein the robot accepts biometric or other data input to identify the plurality of individuals.

19. The system of claim 11, wherein a location of the good has an associated code and each of the plurality of the individuals has an associated key, and only when the robot associates the associated code with the associated key does the robot retrieve the good from the location.

20. The system of claim 11, wherein the bank comprises a financial institution that safeguards valuables and/or money of customers, a tissue bank, a gene bank, a sperm bank, a stem cell bank, a library for storage of books, movies or photographs, a central intelligence agency that safeguards classified or non-classified data and goods, an archive, an armory for storage of weapons, a storage facility or combinations thereof.