Providing Financial Services to Unserved and Underserved Areas
OwnerH. Brock Kolls, Chhanda Charan Patanaik +2inventors
InventorsH. Brock Kolls, Chhanda Charan Patanaik, Timothy A. Gates, Merle D. Wait, JR.
Life of this patent
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Abstract
A method for matching financial services to locations includes identifying one or more locations which are unserved or underserved regarding financial services. A set of the financial services that could be applicable at one of the one or more locations is determined. A set of technologies needed to implement the set of financial services is determined. A vehicle that contains the set of technologies is identified. The vehicle is directed to the one of the one or more locations.
Claims13
A method implemented on an electronic computing device for matching financial services to locations, the method comprising:
- identifying one or more locations which are unserved or underserved regarding financial services using information received from one or more databases regarding current locations of financial institutions in a geographical area, including:
- querying the one or more databases for aspects of the one or more locations, the aspects including:
- (i) types of events at the one or more locations;
- (ii) times of the events at the one or more locations;
- and
- (iii) frequency of the events at the one or more locations;
- and
- determining a set of the financial services to provide at one of the one or more locations based on an event type at each of the one or more locations, including determining a first set of the financial services when the event type is a payday for employees of a business at the one of the one or more locations, and including determining a second set of financial services when the event type is a sporting event at the one of the one or more locations, the first set and the second set being different from each other;
- identifying a set of technologies needed to implement the determined set of financial services;
- configuring the vehicle to include the identified set of technologies;
- and
- autonomously driving the configured vehicle to the one of the one or more locations.
4-6. (canceled)
(canceled)
14-19. (canceled)
A server computing device, comprising:
- a processor;
- and
- system memory, the system memory including instructions which, when executed by the processor, cause the server computing device to:
- use information received from one or more databases regarding current locations of financial institutions in a geographical area to identify one or more geographical locations that are unserved or underserved regarding financial services, the use information including:
- query the one or more databases for aspects of the one or more geographical locations, the aspects including:
- (i) types of events at the one or more geographical locations;
- (ii) times of the events at the one or more geographical locations;
- and
- (iii) frequency of the events at the one or more geographical locations;
- identify a set of the financial services to provide at one of the one or more geographical locations based on an event type at each of the one or more locations, including determining a first set of the financial services when the event type is a payday for employees of a business at the one of the one or more locations, and including determining a second set of financial services when the event type is a sporting event at the one of the one or more locations, the first set and the second set being different from each other;
- identify a set of technologies needed to implement the identified set of financial services at the one of the one or more geographical locations, the set of technologies including at least one of checking cashing technology and cash dispensing technology;
- configure the autonomous vehicle to include the set of technologies identified as needed at the one of the one or more geographical locations;
- determine a date and time for when the autonomous vehicle is needed at the one of the one or more geographical locations;
- and
- autonomously drive the autonomous vehicle that is equipped with the identified set of technologies to arrive at the one of the one or more of the geographical locations at the date and time for when the autonomous vehicle is needed at the one of the one or more geographical locations.
Dependencies are inferred from the claim text.