System and method for providing a portable ATM

• US 10,198,721 B2
• Filed: 09/15/2015
• Issued: 02/05/2019
• Est. Priority Date: 01/07/2014
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: DeLuca, Brian, Chavan, Harish, Warder, Jamie, Doerfler, Max, Grisaitis, William, Pande, Mayank
• Primary Examiner(s): Apple, Kirsten S
• Assistant Examiner(s): Anderson, Mike
• Application Number:
  US14/854,404
• Publication Number:
  US 20160078416A1
• Time in Patent Office: 1,239 Days
• CPC Class Codes: G01S 19/13 Receivers
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07F 9/001 Interfacing with vending machines using mobile or wearable devices
• CPC Class Codes: H04W 4/021 Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences

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.

Claims

1. A system of one or more network enabled computers, comprising:

a location processor;

a first memory associated with the location processor, the first memory storing first instructions that, when executed, direct the location processor to;

receive, from a user device, a request for a mobile automatic teller-machine (ATM) the request including transaction location data indicating a geographic location at which the 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, each mobile ATM of the plurality of mobile ATMs comprising a driverless vehicle, 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;

a communications processor;

a second memory associated with the communications processor, the second memory storing second instructions that, when executed, direct the communications processor to;

transmit a first alert to the first mobile ATM, the first alert including the transaction location data,

receive a response from the first mobile ATM, and

transmit a second alert to the user device, the second alert including a current location of the first mobile ATM and an estimated time at which the first mobile ATM will arrive at the geographic location indicated by the transaction location data;

a transaction processor; and

a third memory associated with the transaction processor, the third memory storing third instructions that, when executed, cause the transaction processor to;

receive, from the first mobile ATM, confirmation that the transaction was completed, 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.

2. The system of claim 1, wherein receiving the request for the mobile ATM comprises receiving, from the user device and via a mobile banking application installed on the user device, the request for the mobile ATM.

3. The system of claim 1, wherein the transaction location data comprises data indicating a current geographic location of the user device.

4. The system of claim 1, wherein the request for the mobile ATM further comprises at least one of a name of the user, contact information associated with the user, a financial account number associated with the user, and a current date and time.

5. The system of claim 1, wherein the first alert comprises instructions to travel to the geographic location indicated by the transaction location data.

6. A method comprising:

receiving, at a network-enabled computer and from a user device, a request for a mobile automatic teller-machine (ATM), the request including transaction location data indicating a geographic location at which the mobile ATM is requested to meet a user associated with the 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, each mobile ATM of the plurality of mobile ATMs comprising a driverless vehicle;

determining, 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;

transmitting, from the network-enabled computer, a first alert to the first mobile ATM, the first alert including the transaction location data;

receiving, at the network-enabled computer, a response from the first mobile ATM;

transmitting, from the network-enabled computer, a second alert to the user device, the second alert including a current location of the first mobile ATM and an estimated time at which the first mobile ATM will arrive at the geographic location indicated by the transaction location data; and

receiving, at the network-enabled computer and from the first mobile ATM, confirmation that the transaction was completed, 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.

7. The method of claim 6, wherein receiving the request for the mobile ATM comprises receiving, from the user device and via a mobile banking application installed on the user device, the request for the mobile ATM.

8. The method of claim 6, wherein the transaction location data comprises data indicating a geographic location of the user device.

9. The method of claim 6 wherein the request for the mobile ATM further comprises at least one of a name of the user, contact information associated with the user, a financial account number associated with the user, and a current date and time.