US 11,687,898 B2Granted

Systems and methods for autonomous banking resources

AssigneeCapital One Services, LLC

InventorsSalik Shah, Michael Mossoba

Life of this patent

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Abstract

Systems and methods for autonomous banking resources are disclosed. Embodiments include a mobile banking resource including an unmanned motorized vehicle, a controller configured to control the movement of the motorized vehicle, an authentication device configured to verify the identity of a user, a server configured to communicate with the controller and the authentication device, and a user interface module configured to interface with the user conducting a transaction. The user interface module may include a user input device configured to receive user input, and a communication interface module configured to communicate with a server and the user input device. The controller may be configured to operate the motorized vehicle to move the motorized vehicle to a location based on a predicted behavior of the user.

Claims20

Dependent claims

A system for facilitating a transaction via one or more unmanned motorized vehicles, the system comprising:

a computer system comprising one or more processors programmed with computer program instructions that, when executed, cause the computer system to perform operations comprising:
in response to obtaining a deposit request for a deposit transaction from a mobile device of a user while the mobile device is at a first location, transmitting a transaction verification code associated with the deposit transaction to the mobile device while the mobile device is at the first location;
determining, based on user information related to the user, a second location where a mobile banking resource is predicted to be needed, the user information indicating one or more predicted activities, behaviors, or events related to the user, the second location being different from the first location;
causing, based on the determination of the second location and the deposit request, an unmanned motorized vehicle corresponding to the mobile banking resource to move to the second location to complete the deposit transaction of the deposit request;
subsequent to the unmanned motorized vehicle moving to the second location, obtaining the transaction verification code via the unmanned motorized vehicle, the transaction verification code being obtained via the unmanned motorized vehicle while the unmanned motorized vehicle is proximate the second location;
and
in response to obtaining the transaction verification code, authorizing completion of the deposit transaction via the unmanned motorized vehicle while the unmanned motorized vehicle is proximate the second location.

4 more elements

Dependencies are inferred from the claim text.

Facts

Application: 17/818,700Filed 9 Aug 2022 · continuation
Priority: 15 Jan 2019
Published: US 2022/0383280 A11 Dec 2022
Granted: 27 Jun 2023
Term ends: Not estimatedThe source records don’t support an estimate.

Classification9 codes

G06Q 20/1085
Remote banking, e.g. home banking: involving automatic teller machines [ATMs]
G01S 19/13
Satellite radio beacon positioning systems transmitting time-stamped messages, e.g. GPS [Global Positioning System], GLONASS [Global Orbiting…:…
G06N 5/02
Computing arrangements using knowledge-based models: knowledge representation; Symbolic representation
G06Q 20/4014
Transaction verification: identity check for transactions

Family

Application16/248,363Parent of this continuation · filed 15 Jan 2019
Application16/894,543Parent of this continuation · filed 5 Jun 2020
US 10,713,632 B1Parent of this continuation · filed 14 Jul 2020
US 2022/0383280 A1Pre-grant publication · published 1 Dec 2022
US 11,461,748 B2Parent of this continuation
US 2020/0226562 A1Published application
US 2020/0302412 A1Published application
US 11,687,898 B2This patent

From the US filing history. Foreign family members aren’t listed.