Mobile Agent Methods and Systems

• US 20120078787A1
• Filed: 09/24/2010
• Published: 03/29/2012
• Est. Priority Date: 09/24/2010
• Status: Abandoned Application

• Current Assignee: Western Union
• Original Assignee: Western Union
• Inventors: Mehew, Evans, Dunwoody, Kimberly
• Application Number:
  US12/890,296
• Publication Number:
  US 20120078787A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

Methods and systems are described for providing financial services to a disaster area. Biographical information may be received from a disaster victim. A first image may be captured of the disaster victim'"'"'s face. The first image of the disaster victim'"'"'s face and the biographical information may be transmitted to a remote server system via wireless communications. The biographical information may be compared to a plurality of biographical records linked to staged financial transactions stored at the remote server system. A match between the biographical information received from the disaster victim and a biographical record of the plurality of biographical records may be identified, wherein the biographical record is linked to a staged financial transaction. An indication of an amount of funds to be distributed may be provided to the disaster victim. The funds may be provided to the disaster victim.

Claims

1. A method for providing financial services to a disaster area, the method comprising:

providing a vehicle outfitted with a computer system, at least one user terminal in communication with the computer system, at least one camera in communication with the computer system, and at least one wireless communication interface;

receiving, by the user terminal, biographical information from a disaster victim;

capturing, by the camera, a first image of the disaster victim'"'"'s face;

linking the photograph of the disaster victim to the biographical information received from the disaster victim;

transmitting, by the computer system, the first image of the disaster victim'"'"'s face and the biographical information to a remote server system via wireless communications;

comparing, by the remote server system, the biographical information to a plurality of biographical records linked to staged financial transactions stored at the remote server system;

identifying, by the remote server system, a match between the biographical information received from the disaster victim and a biographical record of the plurality of biographical records, wherein the biographical record is linked to a staged financial transaction;

transmitting, by the remote server system, to the computer system of the vehicle, an indication of an amount of funds to be distributed to the disaster victim; and

providing, to the disaster victim, the amount of funds.

2. The method of claim 1, further comprising receiving, by the remote server system, a staged financial transaction from a payor, wherein the staged financial transaction comprises an indication of an amount of funds and biographical information of the disaster victim.

3. The method of claim 2, wherein the staged financial transaction received by the remote server system from the payor further comprises a second image of the disaster victim.

4. The method of claim 3, further comprising comparing, by the remote server system, the first image of the disaster victim taken at the vehicle with the second image of the disaster victim provided by the payor, wherein the comparison is conducted after the match between the biographical information received from the disaster victim and the biographical record of the plurality of biographical records has been identified.

5. The method of claim 4, further comprising determining, by the remote server system, at a confidence level above a threshold level, that the first image of the disaster victim taken at the vehicle and the second image of the disaster victim provided by the payor are images of the disaster victim.

6. The method of claim 4, further comprising:

determining, by the remote server system, at a confidence level below a threshold level, that the first image of the disaster victim taken at the vehicle and the second image of the disaster victim provided by the payor are images of the disaster victim;

presenting, by the remote server system, the payor with the first image of the disaster victim taken at the vehicle;

requesting, by the remote server system, a confirmation from the payor that the first image of the disaster victim taken at the vehicle represents the disaster victim; and

receiving, by the remote server system, prior to providing to the disaster victim the amount of funds, the confirmation from the payor that the first image of the disaster victim taken at the vehicle represents the disaster victim.

7. The method of claim 1, wherein the amount of funds is provided in cash to the disaster victim at the vehicle.

8. The method of claim 1, wherein the vehicle is equipped with a plurality of wireless communication interfaces, such that if a first wireless communication interface fails, a second of wireless communication interface is used to communicate with the remote server, and at least one of the plurality of wireless communication interfaces comprises satellite communication.

9. A system for providing financial services to a disaster area, the system comprising:

a vehicle outfitted with a computer system, at least one user terminal in communication with the computer system, at least one camera in communication with the computer system, and at least one wireless communications interface, wherein the computer system is configured to;

receive, via the user terminal, biographical information from a disaster victim;

capture, via the camera, a first image of the disaster victim'"'"'s face;

link the photograph of the disaster victim to the biographical information received from the disaster victim; and

transmit the first image and biographical information to a remote server via wireless communications; and

a remote server system, wherein the remote server system is configured to;

compare the biographical information to a plurality of biographical records linked to staged financial transactions stored at the remote server;

identify a match between the biographical information received from the disaster victim and a biographical record of the plurality of biographical records, wherein the biographical record is linked to a staged financial transaction; and

transmit to the computer system of the vehicle, an indication of an amount of funds to be distributed to the disaster victim.

10. The system of claim 9, wherein the remote server system is further configured to receive a staged financial transaction from a payor, wherein the staged financial transaction comprises an indication of an amount of funds and biographical information of the disaster victim.

11. The system of claim 10, wherein the staged financial transaction received by the remote server system from the payor further comprises a second image of the disaster victim.

12. The system of claim 11, wherein the remote server system is further configured to compare the first image of the disaster victim taken at the vehicle with the second image of the disaster victim provided by the payor, wherein the comparison is conducted after the match between the biographical information received from the disaster victim and the biographical record of the plurality of biographical records has been identified.

13. The system of claim 12, wherein the remote server is further configured to determine at a confidence level above a threshold level that the first image of the disaster victim taken at the vehicle and the second image of the disaster victim provided by the payor are images of the disaster victim.

14. The system of claim 12, wherein the remote server is further configured to:

determine at a confidence level below a threshold level that the first image of the disaster victim taken at the vehicle and the second image of the disaster victim provided by the payor are images of the disaster victim;

transmit to the payor the first image of the disaster victim taken at the vehicle;

request a confirmation from the payor that the first image of the disaster victim captured at the vehicle represents the disaster victim; and

receive, prior to providing to the disaster victim the amount of funds, the confirmation from the payor that the first image of the disaster victim taken at the vehicle represents the disaster victim.

15. The system of claim 9, wherein the remote server is further configured to transmit a response to the vehicle'"'"'s computer system indicating that no staged financial transaction is present a the remote server for the disaster victim.

16. The system of claim 9, wherein:

the vehicle'"'"'s computer system is further configured to;

receive a prospective payor'"'"'s biographical information and an indication of an amount of funds from the disaster victim; and

transmit the prospective payor'"'"'s biographical information to the remote server; and

the remote server is further configured to;

receive the prospective payor'"'"'s biographical information from the computer system; and

transmit to the prospective payor a request for the amount of funds, wherein the request includes the first image of the disaster victim and the biographical information of the disaster victim.

17. A computer program product stored on a computer-readable storage medium for providing financial services to a disaster area, the computer program product comprising instructions for:

receiving a staged financial transaction from a payor, wherein the staged financial transaction comprises an indication of an amount of funds, biographical information of a disaster victim, and a first image of the disaster victim;

receiving a second image of the disaster victim from a remote computer system;

receiving biographical information of the disaster victim from the remote computer system;

comparing the biographical information to a plurality of biographical records linked to staged financial transactions stored at the remote server system;

identifying a match between the biographical information received from the disaster victim and a biographical record of the plurality of biographical records, wherein the biographical record is linked to a staged financial transaction; and

determining at a confidence level below a threshold level that the first image and the second image are of the disaster victim;

presenting the payor with the first image of the disaster victim taken at the vehicle;

requesting a confirmation from the payor that the first image of the disaster victim taken at the vehicle represents the disaster victim;

receiving the confirmation from the payor that the second image of the disaster victim represents the disaster victim; and

transmitting, to the remote computer system, an indication of an amount of funds to be distributed to the disaster victim after receiving the confirmation from the payor that the second image of the disaster victim represents the disaster victim.

18. The computer program product of claim 17, wherein the payor is presented with the first image of the disaster victim taken at the vehicle in real time or near real time.

19. The computer program product of claim 17, wherein the staged financial transaction is staged by the payor at an agent location of a money transfer service provider that operates the remote computer system.

20. The computer program product of claim 17, wherein the staged financial transaction comprises a request for visual evidence that the disaster victim receives the amount of funds.