# US 12,112,304 B2 · Systems and methods for autonomous banking resources

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- Number: US 12,112,304 B2
- Document ID: US12112304B2
- Status: Granted
- Kind: B2
- Application number: 18/315,453
- Filed: 2023-05-10
- Published: 2023-09-07
- Granted: 2024-10-08
- Earliest claimed: 2019-01-15
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Salik Shah; Michael Mossoba
- Web page: https://patentgrep.com/patent/US12112304B2

## CPC

- G06Q 20/1085: {involving automatic teller machines [ATMs]}
- G01S 19/13: Receivers
- G06N 5/02: Knowledge representation; Symbolic representation
- G06Q 20/4014: {Identity check for transactions}
- G01S 19/14: specially adapted for specific applications
- G06N 20/00: Machine learning
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G01S: RADIO DIRECTION-FINDING; RADIO NAVIGATION; DETERMINING DISTANCE OR VELOCITY BY USE OF RADIO WAVES; LOCATING OR PRESENCE-DETECTING BY USE OF THE REFLECTION OR RERADIATION OF RADIO WAVES; ANALOGOUS ARRANGEMENTS USING OTHER WAVES
- G06N: COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS

## 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.

## Claims

### Claim 1

A system for facilitating transactions via 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 location, transmitting a transaction verification code associated with the deposit transaction to the mobile device while the mobile device is at the location;
causing, based on the deposit request, an unmanned motorized vehicle corresponding to a mobile banking resource to move to the location to complete the deposit transaction of the deposit request;
subsequent to the unmanned motorized vehicle moving to the 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 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 location.

### Claim 2 (depends on 1)

The system of claim 1, the operations further comprising:
obtaining identity verification information of the user via the unmanned motorized vehicle while the unmanned motorized vehicle is proximate the location,
wherein authorizing the completion of the deposit transaction comprises authorizing the completion of the deposit transaction in response to obtaining the transaction verification code and the identity verification information.

### Claim 3 (depends on 2)

The system of claim 2, wherein the identity verification information comprises one or more image or audio representations indicative of the user.

### Claim 4 (depends on 2)

The system of claim 2, wherein the identity verification information comprises an identification code associated with the user or card information related to a transaction or identification card associated with the user.

### Claim 5

A method comprising:
obtaining a transaction request for a transaction from a user device of a user;
causing, based on the transaction request, a mobile banking resource to move to a location where the mobile banking resource is predicted to be needed;
obtaining verification information related to an identity of the user via the mobile banking resource, the verification information being obtained via the mobile banking resource while the mobile banking resource is proximate the location; and
performing authentication for completion of the transaction of the transaction request based on the verification information.

### Claim 6 (depends on 5)

The method of claim 5, wherein the verification information comprises one or more image or audio representations indicative of the user.

### Claim 7 (depends on 6)

The method of claim 6, wherein the one or more image or audio representations comprises one or more representations of a face, eye, fingerprint, or voice of the user.

### Claim 8 (depends on 5)

The method of claim 5, wherein the verification information comprises an identification code associated with the user or card information related to a transaction or identification card associated with the user.

### Claim 9 (depends on 5)

The method of claim 5, wherein the mobile banking resource comprises an automated teller machine.

### Claim 10 (depends on 5)

The method of claim 5, further comprising predicting the location where the mobile banking resource is predicted to be needed based on one or more predicted activities, behaviors, or events related to the user.

### Claim 11 (depends on 5)

The method of claim 5, wherein obtaining the transaction request comprises obtaining a deposit request for a deposit transaction from the user device while the user device is at the location,
wherein performing the authentication for completion of the transaction comprises authorizing completion of the deposit transaction based on the verification information.

### Claim 12 (depends on 5)

The method of claim 5, wherein obtaining the transaction request comprises obtaining a withdrawal request for a withdrawal transaction from the user device, the withdrawal request comprising cash withdrawal information inputted at the user device while the user device is at the location,
wherein performing the authentication for completion of the transaction comprises authorizing completion of the withdrawal transaction based on the verification information and the cash withdrawal information.

### Claim 13

One or more non-transitory, computer-readable media storing instructions that, when executed by one or more processors, cause operations comprising:
obtaining a transaction request for a transaction from a user device of a user;
causing, based on the transaction request, a mobile banking resource to move to a location where the mobile banking resource is predicted to be needed;
obtaining verification information related to an identity of the user via the mobile banking resource, the verification information being obtained via the mobile banking resource while the mobile banking resource is proximate the location; and
performing authentication for completion of the transaction of the transaction request based on the verification information.

### Claim 14 (depends on 13)

The one or more non-transitory, computer-readable media of claim 13, wherein the verification information comprises one or more image or audio representations indicative of the user.

### Claim 15 (depends on 14)

The one or more non-transitory, computer-readable media of claim 14, wherein the one or more image or audio representations comprises one or more representations of a face, eye, fingerprint, or voice of the user.

### Claim 16 (depends on 13)

The one or more non-transitory, computer-readable media of claim 13, wherein the verification information comprises an identification code associated with the user or card information related to a transaction or identification card associated with the user.

### Claim 17 (depends on 13)

The one or more non-transitory, computer-readable media of claim 13, wherein the mobile banking resource comprises an automated teller machine.

### Claim 18 (depends on 13)

The one or more non-transitory, computer-readable media of claim 13, wherein the instructions further cause the one or more processors to perform operations comprising predicting the location where the mobile banking resource is predicted to be needed based on one or more predicted activities, behaviors, or events related to the user.

### Claim 19 (depends on 13)

The one or more non-transitory, computer-readable media of claim 13, wherein obtaining the transaction request comprises obtaining a deposit request for a deposit transaction from the user device while the user device is at the location,
wherein performing the authentication for completion of the transaction comprises authorizing completion of the deposit transaction based on the verification information.

### Claim 20 (depends on 13)

The one or more non-transitory, computer-readable media of claim 13, wherein obtaining the transaction request comprises obtaining a withdrawal request for a withdrawal transaction from the user device, the withdrawal request comprising cash withdrawal information inputted at the user device while the user device is at the location,
wherein performing the authentication for completion of the transaction comprises authorizing completion of the withdrawal transaction based on the verification information and the cash withdrawal information.