Systems and methods for management of mobile banking resources

• US 10,055,726 B2
• Filed: 11/26/2014
• Issued: 08/21/2018
• Est. Priority Date: 07/14/2014
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Kursun, Eren, Lee, Sih
• Primary Examiner(s): Hamilton, Sara Chandler
• Application Number:
  US14/554,930
• Publication Number:
  US 20160012411A1
• Time in Patent Office: 1,364 Days
• Field of Search: 705 44, 235379
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs

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.

Claims

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.