Mobile banking vehicle

• US 7,475,809 B2
• Filed: 02/10/2006
• Issued: 01/13/2009
• Est. Priority Date: 02/10/2006
• Status: Expired due to Fees

• Current Assignee: Romary Associates Incorporated
• Original Assignee: Romary Associates Incorporated
• Inventors: Romary, Edward J.
• Primary Examiner(s): LE, THIEN MINH
• Application Number:
  US11/352,040
• Publication Number:
  US 20070187483A1
• Time in Patent Office: 1,068 Days
• Field of Search: 235/379, 235/380, 235/381, 235/375, 109/19
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/00 Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines data processing equipment for bank accounting G06Q40/02
• CPC Class Codes: G07F 19/205 Housing aspects of ATMs

Abstract

A mobile banking vehicle including wheels supporting a chassis, an engine and an office area at a floor height supported by the vehicle chassis. An exterior door provides access to the office area. A drive-up teller area is provided, preferably at the rear of the vehicle, and having a floor height which is lower than the office area floor height and, hence, closer to the ground surface. Steps are provided between the teller area lower and the office area higher floor surfaces. A teller window and transaction drawer are provided through the vehicle rear wall and adjacent the lowered floor at a height comfortable for use in both drive-up and walk-up customer banking transactions and which is comfortable for use by the bank teller. A drive-up lane is provided at the ground surface outside of the vehicle teller window and transaction drawer for allowing customers to drive their vehicle thereupon and next to the teller window and drawer. A bumper extends from the rear wall below the teller window and transaction drawer for helping banking customers locate their vehicle on the drive-up lane and at a proper distance from the banking vehicle. An intercommunication system is also provided whereby verbal communication is selectively provided between the bank teller and the banking customer at the teller window. A selectively extendible canopy is also provided on the rear wall over the teller window and the drive-up lane for protecting the transaction drawer and window from the weather during use.

Claims

1. A mobile banking vehicle comprising:

an enclosure having a floor, walls and roof, a door in a wall providing access of personnel to within said enclosure, and wheels supporting and for transport of the enclosure;

said enclosure including a first area having a first floor height whereupon said personnel are supported;

said enclosure including a second area having a second floor height whereupon said personnel are supported, said second floor height being lower than said first floor height; and

,

a teller window through a wall of said enclosure adjacent said second area providing visibility between said personnel inside said enclosure and customers outside said enclosure.

2. The mobile banking vehicle of claim 1, further comprising a transaction drawer through said wall adjacent said teller window, whereby financial documents may be selectively moved between the inside and the outside of the enclosure.

3. The mobile banking vehicle of claim 2, further comprising an intercommunication system whereby verbal communication is selectively provided between the inside and outside of the enclosure adjacent said teller window.

4. The mobile banking vehicle of claim 3, further comprising a bumper extending from said wall substantially below said teller window.

5. The mobile banking vehicle of claim 4, further comprising a canopy selectively extendable from said wall substantially over said teller window and transaction drawer.

6. The mobile banking vehicle of claim 5, further comprising a customer vehicle drive-up area outside of the enclosure adjacent said teller window.

7. The mobile banking vehicle of claim 4, wherein said bumper extends at least eight inches away from said wall.

8. The mobile banking vehicle of claim 4, wherein said bumper is selectively extendable and retractable.

9. The mobile banking vehicle of claim 2, wherein said transaction drawer includes a bottom drawer surface located within 52 inches from a ground surface.

10. The mobile banking vehicle of claim 1, wherein said mobile banking vehicle includes an engine for selectively engaging and driving said wheels.

11. The mobile banking vehicle of claim 1, further comprising an intercommunication system whereby verbal communication is selectively provided between the inside and outside of the enclosure adjacent said teller window.

12. The mobile banking vehicle of claim 1, further comprising a bumper extending from said wall substantially below said teller window.

13. The mobile banking vehicle of claim 1, further comprising a customer vehicle drive up area outside of the enclosure adjacent said teller window.

14. The mobile banking vehicle of claim 13, further comprising a transaction drawer through said wall adjacent said teller window, whereby financial documents may be selectively moved between the inside and the outside of the enclosure.

15. The mobile banking vehicle of claim 13, further comprising a bumper extending from said wall substantially below said teller window.

16. The mobile banking vehicle of claim 13, further comprising a canopy selectively extendable from said wall substantially over said teller window and transaction drawer.

17. A mobile banking vehicle comprising:

an enclosure having a floor, walls and roof, a door in a wall providing access of personnel to within said enclosure, and wheels supporting and for transport of the enclosure; and

,

a transaction drawer extending through a wall for selectively moving financial documents between said personnel inside the enclosure and customers outside of the enclosure.

18. The mobile banking vehicle of claim 17, further comprising:

a first area having a first floor height;

a second area having a second floor height lower than said first floor height; and

,

wherein said transaction drawer is located adjacent said second area.

19. The mobile banking vehicle of claim 17, wherein said transaction drawer includes a bottom drawer surface located within 52 inches from a ground surface.

20. The mobile banking vehicle of claim 17, further comprising an intercommunication system whereby verbal communication is selectively provided between the inside and outside of the enclosure adjacent said teller window.

21. The mobile banking vehicle of claim 17, further comprising a bumper extending from said wall substantially below said teller window.

22. The mobile banking vehicle of claim 17, further comprising a customer vehicle drive up area outside of the enclosure adjacent said teller window.

23. The mobile banking vehicle of claim 22, further comprising a transaction drawer through said wall adjacent said teller window, whereby financial documents may be selectively moved between the inside and the outside of the enclosure.

24. The mobile banking vehicle of claim 22, further comprising a bumper extending from said wall substantially below said teller window.

25. The mobile banking vehicle of claim 22, further comprising a canopy selectively extendable from said wall substantially over said teller window and transaction drawer.

26. A mobile banking vehicle comprising:

a vehicle chassis having a front terminal end and rear terminal end;

front wheels supporting the chassis adjacent said front terminal end at a vertical height and adapted for steering the banking vehicle;

rear wheels supporting the chassis adjacent said rear terminal end at said vertical height;

an engine carried by said chassis for selectively engaging and driving one of said front or rear wheels;

wherein a rear portion of said chassis between said rear wheels and said rear terminal end is located lower than said chassis vertical height;

a personnel carrying floor supported by said chassis rear portion;

a wall adjacent said lower rear portion; and

,

a teller window through said wall providing visibility between said personnel within said vehicle and customers outside of said vehicle.

27. The mobile banking vehicle of claim 26, further comprising a transaction drawer is located adjacent said wall, whereby financial documents may be selectively moved between the inside and the outside of the enclosure.

28. The mobile banking vehicle of claim 27, wherein said transaction drawer includes a bottom drawer surface located within 52 inches from a ground surface.

29. The mobile banking vehicle of claim 26, wherein said teller window includes a bottom edge located within 57 inches from a ground surface.

30. The mobile banking vehicle of claim 26, further comprising an intercommunication system whereby verbal communication is selectively provided between the inside and outside of the enclosure adjacent said teller window.

31. The mobile banking vehicle of claim 26, further comprising a bumper extending from said wall substantially below said teller window.

32. The mobile banking vehicle of claim 26, further comprising a customer vehicle drive up area outside of the enclosure adjacent said teller window.

33. The mobile banking vehicle of claim 32, further comprising a transaction drawer through said wall adjacent said teller window, whereby financial documents may be selectively moved between the inside and the outside of the enclosure.

34. The mobile banking vehicle of claim 26, further comprising a bumper extending from said wall substantially below said teller window.

35. The mobile banking vehicle of claim 26, further comprising a canopy selectively extendable from said wall substantially over said teller window and transaction drawer.