WO2016010884A1 - Systèmes et procédés de gestion de ressources bancaires mobiles - Google Patents

Systèmes et procédés de gestion de ressources bancaires mobiles Download PDF

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Publication number
WO2016010884A1
WO2016010884A1 PCT/US2015/040122 US2015040122W WO2016010884A1 WO 2016010884 A1 WO2016010884 A1 WO 2016010884A1 US 2015040122 W US2015040122 W US 2015040122W WO 2016010884 A1 WO2016010884 A1 WO 2016010884A1
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WO
WIPO (PCT)
Prior art keywords
mobile
resource
user
self
propelled
Prior art date
Application number
PCT/US2015/040122
Other languages
English (en)
Inventor
Eren Kursun
Sih Lee
Original Assignee
Jpmorgan Chase Bank, N.A.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US14/554,930 external-priority patent/US10055726B2/en
Application filed by Jpmorgan Chase Bank, N.A. filed Critical Jpmorgan Chase Bank, N.A.
Publication of WO2016010884A1 publication Critical patent/WO2016010884A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Buyer or seller confidence or verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G06Q20/403—Solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—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
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—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
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/207—Surveillance aspects at ATMs
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices

Definitions

  • Patent Application Ser. No. 62/024,310 entitled “Systems And Methods For Self-Driving Or Self-Propelled Branch Automated Teller Machines For Secure Banking Applications" and U.S. Provisional Patent Application Ser. No.
  • the present invention generally relates to systems and methods for the management of mobile banking resources.
  • ATMs Drive-through Automatic Teller Machines
  • ATMs are commonly found in the United States and in other geographies.
  • a customer For routine banking transactions, a customer often drives to a bank, waits in the drive-through ATM queue, and, when it is his turn, conducts the transaction and is on his way.
  • Mobile banking resources such as mobile ATMs, ATM Taxis, etc. may provide some or all of the following features: (1) the ability to perform banking transactions while in or in the presence of the mobile banking resource (instead of driving to a branch); cash disposal capabilities using, for example, a touch pad; (2) access to phone or video conference (using on-board cameras and microphones) communications with the branch staff and other banking resources in the vehicle.
  • This may be in private, and the vehicle may include one-way windows, tinting (permanent and/or dynamic), etc.; (3) perform notary and other branch applications using on-board cameras, scanners, printers, etc.; (4) use on-board printers/scanners, fax machines, etc.; (5) authenticate the user using sensors in the vehicle and/or mobile device (for both first time
  • the mobile banking resource may be equipped with variety of sensors that provide much more consistent biometric data channels than mobile devices, given noise, lighting and other characteristics.
  • the system may be optimized for the specific conditions rather than for a generic setting.
  • the mobile banking resource's cameras may be used to authenticate the user prior to boarding (or being given access to) the vehicle (e.g., through face recognition).
  • the mobile banking resource may authenticate the user through a mobile device (e.g., iBeacon, NFC or other communication channel) prior to the user boarding (or being given access to) the vehicle. This may be done, for example, as the vehicle approaches the user.
  • a mobile device may be used to authenticate the user before the user boards (or is given access to) the vehicle.
  • a mobile banking resource could drive to any user location, and, like a taxicab, transport the user to another location while permitting the user to conduct ATM and/or branch transactions.
  • the user's target location for the vehicle ride may be considered to determine the transactions that may be conducted based on the duration of the ride. In one embodiment, the user may not conduct a transaction that would take longer than the anticipated trip.
  • the mobile banking resource may include a cash dispenser for dispensing cash (this may be refilled by using a magazine at a secure location, such as in a bank branch). It may further include teleconference and/or videoconference equipment to communicate with branch representatives, financial advisors, and others.
  • the front screen of the vehicle may include a display.
  • the vehicle may further include authentication capabilities, such as biometric sensors, interfaces for trusted devices, etc., to authenticate the user. This may include, for example, existing smart phone authentications and interfaces, a palm scanner, fingerprint sensor on the car door or inside, sensors (e.g., cameras) to detect face or iris biometrics, microphones to detect voice biometrics, weight sensors to detect a user's weight, etc.
  • a range of authentication options may be available. For example, if the user does not want to provide biometric information for authentication, any cameras and other equipment may be disabled, and the user may instead use his or her preferred method of authentication. This may include providing an ATM card and PIN, account alias, etc.
  • a user may perform sophisticated transactions, such as online investment, fund management and other types of transactions while in the vehicle.
  • the mobile banking resources may not retain local copies of transactions and other info for security purposes.
  • the mobile banking resources may be brand (i.e., bank) specific, or they may serve multiple financial institutions.
  • the mobile banking resources may be recalled to a base station if required.
  • the mobile banking resources may provide additional security from fraud. For example, if a mobile banking resource detects fraud or suspicious activity, it may lock its doors and transport the user to a law enforcement location. If an attempt to steal or hijack the mobile banking resource is detected, the vehicle may shut down, alert authorities, record its surroundings (e.g., video, audio, GPS), etc.
  • a mobile banking resource may lock its doors and transport the user to a law enforcement location. If an attempt to steal or hijack the mobile banking resource is detected, the vehicle may shut down, alert authorities, record its surroundings (e.g., video, audio, GPS), etc.
  • all data may be encrypted for communication with back-end infrastructure, side-channel attack prevention techniques employed for maximum security.
  • the mobile banking resources may move themselves to ATMs or branches to upload and/or exchange resources. In one embodiment, the mobile banking resources may exchange resources locally.
  • a self-propelled, mobile transaction resource is disclosed. According to one embodiment, the self-propelled, mobile transaction resource may include an unmanned, self-propelled, mobile platform; a user interface for interfacing with a user for conducting a transaction; at least one controller that controls the movement of the mobile platform and the user interface; a communications interface for the at least one controller that communicates with a server; and a plurality of sensors that capture at least one characteristic of the user.
  • the self-propelled, mobile transaction resource may include a banking resource in communication with the user interface.
  • the banking resource may be an automated teller machine.
  • the self-propelled, mobile banking resource may include a compartment for receiving a user.
  • the compartment may be secure, and the user interface may be located within the compartment.
  • the self- propelled, mobile banking resource may transport the user to a destination.
  • the self-propelled, mobile banking resource may include wheels, tracks, and/or a vertical propulsion system.
  • the unmanned, self-propelled, mobile platform may be guided remotely, or it may be autonomous.
  • a method may include (1) receiving a
  • the transaction request from a user (2) at least one computer processor determining a type of mobile resource to complete the user request; (3) the at least one computer processor determining an availability of a plurality of mobile resources of the determined type; (4) the at least one computer processor determining a location of the user and for each of the plurality of mobile resources of the determined type; and (5) the at least one computer processor dispatching one of the plurality of mobile resources of the determined type to the user based on the type of required mobile resource, the availability of the plurality of mobile resources, the available resources for the plurality of mobile resources, the location of the user, and the location of the plurality of mobile resources.
  • the step of the at least one computer processor determining an availability of a plurality of mobile resources of the determined type may include determining resource availability for each of the plurality of mobile resources of the determined type.
  • the mobile resource may be an unmanned, self-propelled, mobile vehicle that may include wheels, tracks, and/or a vertical propulsion system.
  • the unmanned, self-propelled, mobile vehicle may include an automated teller machine.
  • a method may include (1) an unmanned, self-propelled, mobile resource traveling to a user location; (2) the unmanned, self-propelled, mobile resource identifying a user at the user location; (3) the unmanned, self-propelled, mobile resource
  • the method may further include the unmanned, self-propelled, mobile resource periodically authenticating the user during the transaction.
  • the step of the unmanned, self-propelled, mobile resource granting the user access to a user interface for conducting a transaction may include the unmanned, self-propelled, mobile resource granting access to a secure compartment within the unmanned, self-propelled, mobile resource.
  • the method may further include the unmanned, self-propelled, mobile resource receiving a destination from the user; and the unmanned, self-propelled, mobile resource transporting the user to the
  • the method may further include the unmanned, self-propelled, mobile resource detecting a suspicious activity; and the
  • unmanned, self-propelled, mobile resource initiating a first security response. If the unmanned, self-propelled, mobile resource detects continued suspicious activity following the first security response, the unmanned, self-propelled, mobile resource may initiate a second security response.
  • a method may include (1) receiving a
  • Figure 1 is a block diagram of a system of mobile banking resources for secure banking applications related applications according to one embodiment
  • Figure 2 is a flowchart depicting a method for using mobile banking resources for secure banking applications related applications according to one embodiment
  • Figure 3 is a flowchart depicting a method for detecting suspicious activity involving mobile banking resources according to one embodiment.
  • Figure 4 depicts a system for predictive mobile banking resource allocation is disclosed according to one embodiment
  • Figure 5 is a flowchart depicting a method for predictive mobile banking resource placement according to one embodiment
  • Figure 6 is process flow depicting an ad hoc approach for locating resources according to one embodiment.
  • Figure 7 illustrates an intelligent vehicle system and a secure processing system according to one embodiment.
  • a mobile banking resource may be provided as a taxicab, and may include features of, for example, an ATM and/or branch location.
  • one or more self-propelled, mobile banking resource e.g., mobile ATM devices
  • mobile banking resource Mobile ATM
  • ATM Taxi may be used interchangeably depending on the context.
  • FIG. 1 is an illustration of a system of mobile banking resources according to one embodiment.
  • User 105 may communicate with network 130 via a communication device, including telephones (POTs), mobile/smart phones, tablet computers, desktop computers, notebook computers, etc. Any device that enables the user to communicate with network 130 and server(s) 120 may be used as necessary and/or desired.
  • POTs telephones
  • server(s) 120 Any device that enables the user to communicate with network 130 and server(s) 120 may be used as necessary and/or desired.
  • user 105 may be associated with mobile device 110, such as a smart phone, laptop computer, tablet computer, etc.
  • mobile device 110 may communicate with financial institution 150, ATM 155, Mobile ATM 160 and/or ATM Taxi 165 via network 130; in another embodiment, it may communicate with any or all of these elements directly using any suitable communication means (e.g., Wi-Fi, Near Field Communication, Bluetooth, IR, etc.).
  • any suitable communication means e.g., Wi-Fi, Near Field Communication, Bluetooth, IR, etc.
  • Server 120 may communicate with several resources, including financial institution 150 and one or more banking resource (e.g., ATM 155, Mobile ATM 160 and ATM Taxi 165).
  • financial institution 150 may include one or more branch locations including tellers, financial advisors, and other bank personnel.
  • server 120 may manage the availability, deployment, and resupply of mobile banking resources (e.g., Mobile ATM 160 and/or ATM Taxi 165). Server 120 may further manage the partitioning and/or provisioning of a transaction request from user 105.
  • mobile banking resources e.g., Mobile ATM 160 and/or ATM Taxi 165.
  • Server 120 may further manage the partitioning and/or provisioning of a transaction request from user 105.
  • ATM 150 may include ATMs at branch locations and other facilities (e.g., supermarkets, kiosks, etc.).
  • Mobile ATM 160 may include individual self-propelled, self-driving ATMs that may be deployed, manually or automatically, to different locations.
  • Mobile ATM 160 may further include a plurality of ATMs that may be deployed together with a support vehicle such as a van, a truck, trailer, etc.
  • Mobile ATM 160 may "drive" to its destination autonomously without human control similar to self-driving vehicles.
  • Mobile ATM 160 may be remotely controlled by a human.
  • a combination of autonomous and human control may be used as desired.
  • Mobile ATM 160 may be part of, or provided by, an airborne drone.
  • airborne drone may be used to deliver documents, money, lockbox contents, etc. as necessary and/or desired.
  • ATM Taxi 165 may include manned and unmanned vehicles that may include ATM and other banking services, and may transport a user from a first location to a second location.
  • ATM Taxi 165 may be a self-driving, autonomous vehicle.
  • ATM Taxi 165 may be remotely controlled by a human.
  • a combination of autonomous and human control may be used as desired.
  • ATM Taxi 165 may provide an enclosed area in which a user may conduct banking and other business in private. In other words, ATM Taxi 165 does not need to transport a user to a second location.
  • a user may request ATM Taxi
  • ATM Taxi 165 may pick up the user and transport him or her to a branch location. While en route, the user may conduct banking transactions, stage transactions, or conduct other business.
  • ATM Taxi 165 may serve a single customer at a time. In another embodiment, ATM Taxi 165 may serve more than one customer at a time. For example, ATM Taxi 165 may have more than one compartment or area for conducting transactions.
  • Mobile ATM 160 and ATM Taxi 165 may provide banking services.
  • Mobile ATM 160 and ATM Taxi 165 may include a cash dispenser, video and/or audio conferencing equipment, scanners, printers, etc. They may communicate with user 105's mobile device 110 using any suitable communication means, such as Near Field
  • Mobile ATM 160 and ATM Taxi 165 may- provide user 105 with Internet access via a graphical user interface in Mobile ATM 160 and or ATM Taxi 165, or by a wireless or wired connection to mobile device 1 10. In one embodiment, Mobile ATM 160 and ATM Taxi 165 may further provide user 105 with news, stock prices, etc.
  • Mobile ATM 160 and ATM Taxi 165 may further comprise equipment to authenticate the user, including cameras, biometric sensors, keypads, touch screens, etc.
  • Mobile ATM 160 and ATM Taxi 165 may authenticate user 105 using, for example, face recognition, fingerprint recognition, etc. before user 105 is permitted to enter ATM Taxi 165.
  • on-board authentication may continue using, for example, voice recognition, signature or other behavioral biometric- based authentication, iris recognition, etc.
  • existing biometric-based authentication for example, voice recognition, signature or other behavioral biometric- based authentication, iris recognition, etc.
  • authentication or additional authentication, from a user's mobile phone or other trusted personal device may be factored into the authentication process.
  • Authentication may be an independent security process as well as continuous monitoring process that may run in the background while the user is performing a transaction. For each transaction, the security requirements may be
  • Mobile ATM 160 and ATM Taxi 165 may include security features. For example, ATM Taxi 165 may lock its doors and transport the user to a law enforcement location if fraud, or an attempt to hijack or vandalize is detected. In another embodiment, if an attempt to steal or hijack Mobile ATM 160 and ATM Taxi 165 is detected, the vehicle may shut down, alert authorities, record its surroundings (e.g., video, audio, GPS), deface any currency (e.g., stain money with ink similar to a dye pack), etc.
  • security features For example, ATM Taxi 165 may lock its doors and transport the user to a law enforcement location if fraud, or an attempt to hijack or vandalize is detected. In another embodiment, if an attempt to steal or hijack Mobile ATM 160 and ATM Taxi 165 is detected, the vehicle may shut down, alert authorities, record its surroundings (e.g., video, audio, GPS), deface any currency (e.g., stain money with ink similar to a dye pack), etc.
  • the security systems for Mobile ATM 160 and
  • ATM Taxi 165 may determine the risk profile for the transaction as well as the location and may adjust security features accordingly and dynamically. For example, the security level and/or services provided may vary depending on the time of the day, location driven, proximity to risky regions, user and transaction profiles etc. For example, Mobile ATM 160 and ATM Taxi 165 may require additional security or may not travel to a high-crime area, or an area in which there have been past security issues with Mobile ATM 160 or ATM Taxi 165.
  • Mobile ATM 160 and/or ATM Taxi 165 may be encrypted for communication with back-end infrastructure, side-channel attack prevention techniques employed for maximum security.
  • FIG. 2 depicts an exemplary method for managing mobile banking resources, such as Mobile ATMs and ATM Taxis.
  • a user may submit a request for a mobile banking resource, such as a Mobile ATM or an ATM Taxi, discussed above.
  • the user may submit his or her location automatically (e.g., based on a GPS location from the user's mobile device), or the user may specify a location to "meet" the mobile banking resource.
  • the user may also request a specific time (e.g., now, as soon as possible, 3 hours from now, 5:00 PM, etc.).
  • a specific time e.g., now, as soon as possible, 3 hours from now, 5:00 PM, etc.
  • the user may also specify the destination for the trip.
  • the financial institution may receive and analyze the user's request.
  • the request may be analyzed to determine what mobile banking resources are required to complete the request. For example, a determination is made whether the request requires a Mobile ATM, an ATM Taxi, or whether the request needs to be completed in person.
  • the user may be informed of any nearby mobile banking resources if they are available. For example, if the user requested a mobile ATM, and the user is one block away from a branch location with an ATM, the user may be informed of such and directed to this resource.
  • the financial institution may use a back-end server to analyze and manage the financial institution's mobile banking resources.
  • the financial institution may determine what resources are available to complete the request. For example, a status of the branch locations, fixed ATMs, Mobile ATMs, and ATM Taxis may be retrieved, along with the resources and/or funds available in the mobile units, the power/fuel available to the mobile units, the location of the mobile units, any future commitments for the mobile units, environmental conditions (e.g., time of day, weather, traffic, etc.), anticipated needs, etc.
  • resources for example, a status of the branch locations, fixed ATMs, Mobile ATMs, and ATM Taxis may be retrieved, along with the resources and/or funds available in the mobile units, the power/fuel available to the mobile units, the location of the mobile units, any future commitments for the mobile units, environmental conditions (e.g., time of day, weather, traffic, etc.), anticipated needs, etc.
  • an appropriate mobile banking resource may be dispatched to the requested location.
  • the user may be sent a message informing the user of the dispatch, and may be provided with real-time (or close to realtime) information regarding the location of the mobile banking resource, the expected arrival time, etc.
  • the system and/or the mobile banking resource may monitor alert notifications (e.g., police scanners, etc.) to determine the risk of traveling to the user's location.
  • alert notifications e.g., police scanners, etc.
  • Both positive and negative information may be acquired from a variety of sources. Positive events/signals such as concerts, sports events, etc.( which may include events where cash or ATM demands may increase ) may result in proactive placement of mobile banking resources.
  • Negative events/signals such as police activity, riots, etc. may result in mobile banking resources avoiding those areas, or ensuring that the mobile banking resources that are deployed have adequate security features.
  • mobile banking resources may be proactively deployed to locations where current ATMs are low on resources, out of order, etc.
  • the mobile banking resource may visit a branch location, a resupply center, etc. if it is low on resources.
  • two mobile banking resources may rendezvous and reallocate resources as necessary and/or desired.
  • the mobile banking resource may pre-authenticate the user as it approaches the user.
  • the mobile banking resource may detect the location of the user's registered mobile device. For example, the user's mobile device may transmit a beacon or other identifier for the mobile banking resource.
  • the mobile banking resource may use an on-board camera to recognize the user's face.
  • an on-board camera For example, face recognition- based authentication using onboard cameras, voice recognition using
  • microphones finger or palm printing based biometric authentication using fmger/palm scanners, iris biometrics using iris scanners, behavioral and multimodal biometrics using multiple channels such as video (e.g., motion biometrics), or using full or partial authentication from users mobile devices, passwords, or any combination of these, may be used as necessary and/or desired.
  • pre-authentication may be optional.
  • the user may be fully authenticated. In one embodiment, the user may present an ATM card, credit card, etc. and may enter his or her PIN.
  • a personalized profile for the user may be loaded, with preferred settings for the vehicle, security and privacy features, etc. For example, one user may select to have streaming stock market data to be presented while conducting transactions, while another may not. Similarly, one user may require stricter security and authentication features for account access, while another may not. Some users may require direct communication with human/customer service support, while others may not. Any sort of preferences may be retrieved as available, necessary and/or desired.
  • the user may initiate a transaction.
  • the user may simply start using the ATM.
  • the user may enter the vehicle, confirm the destination, and initiate the transaction.
  • the user may use on-board videoconferencing equipment, printers, scanners, Internet connection, etc.
  • the ATM Taxi may function as a mobile office.
  • the user may be presented with an estimate of the time remaining on the trip to aid the user in conducting the transaction.
  • the doors on the ATM Taxi may be secured so that no one may enter the vehicle during the trip.
  • the ATM Taxi senses that a door was opened, or any other suspicious activity has occurred, the authenticated session may be terminated.
  • the user may be continuously authenticated and monitored. For example, the user's movement and other behavioral biometrics may be monitored and/or recorded.
  • step 245 the user may complete his or her transaction, and, in step 250, may exit or leave the mobile banking resource. If using a Mobile ATM, the user may simply walk away from the Mobile ATM, thereby terminating the session. If using the ATM Taxi, the user may remain in the vehicle until the destination is reached.
  • the user may be given an opportunity to be transported to a branch location.
  • the mobile banking resource may communicate the final data on the transactions to the financial institution.
  • the mobile banking resource may not store any records of the transaction locally.
  • the mobile banking resource may be assigned to the next user, may be replenished, or may be used by a walk-up customer.
  • the next action may be pre-scheduled.
  • a potential risk involved with mobile banking resources is the risk that the mobile banking resource will be "hijacked,” vandalized, disabled, used to facilitate fraudulent transactions, etc.
  • the mobile banking resources may be constantly monitored for these sort of suspicious activities.
  • an exemplary method for monitoring and addressing suspicious activity is disclosed.
  • the mobile banking resource may be monitored for suspicious activity.
  • the mobile banking resource may self- monitor itself; in another embodiment, the mobile banking resource may be centrally monitored by a back-end server.
  • the mobile banking resource may be monitored by a third party, such as a security agency. For example, after some inherent security thresholds are
  • mobile banking resource may be monitored by both
  • a combination of self-monitoring, centralized monitoring, and/or third party monitoring may be used as necessary and/or desired.
  • a suspicious activity profile may be communicated to the financial institution in step 310.
  • suspicious activity include a user trying to log on to unauthorized systems of the vehicle through Wi-Fi or some other form connection, attempting to vandalize the mobile banking resource, attempting to disable on-board security cameras, etc.
  • the information provided to the financial institution may include several types of data, including the user's profile, last session detail, security camera and other data from the vehicle, suspicious activity summary (e.g., trying to use alternative channels to communicate, trying to intercept
  • the financial institution may analyze the suspicious activity profile to determine the threat or risk to the mobile banking resource.
  • the mobile banking resource may initiate initial security processes.
  • this may include disconnecting and/or terminating any secure sessions, turning off a video interface, locking the cash dispenser, activating additional cameras and/or microphones, live streaming audio/video, etc.
  • an ATM Taxi this may also include locking the doors to prevent exit or entry, etc.
  • the mobile banking resource, financial institution, and/or the third party may alert the authorities of any potential suspicious activity.
  • a second check may be made to determine if the suspicious activity has been resolved. If it has, the user may need to re-authenticate himself (or herself) in order to conduct the transaction.
  • step 330 additional security measures may be taken. This may include, for example, returning the Mobile ATM to a secure location, securing the cash dispenser, inserting a dye pack with the cash, etc. Alternatively, the Mobile ATM may be disabled and prevented from moving.
  • the doors may be secured, the cash dispenser locked, dye packs deployed, etc.
  • the user may be transported to a secure area (e.g., if the suspicious activity was from outside the vehicle) or to the authorities (e.g., if the suspicious activity was from within the vehicle).
  • the recording facilities such as video cameras, microphones, additional lighting, etc. may be activated to protect the user and the mobile banking resource.
  • a system and method for predictive mobile banking resource placement is disclosed.
  • the system and method may optimally allocate the mobile banking resources, for example, in a metropolitan area, to maximize the efficiency of the ATM network
  • user data may be collected from, for example, mobile devices, including those having a mobile application installed thereon.
  • mobile applications include mobile banking applications.
  • the mobile applications may provide user location information (both for a specific user and users in general), transaction preprocessing data, user movement patterns, etc.
  • the data may further include user's potential destinations which may be based on historical data.
  • the system may use metric-based evaluation of the associated individual components.
  • the proposed system may also incorporate machine learning based on user experience, post- service evaluation of the resource allocation and using other feedback
  • the system and method may collect requests for mobile banking resources (e.g., Mobile ATMs, ATM Taxis), branch usage data (e.g., length of ATM queues, ATM resources available, etc.), event data (e.g., sporting events, conferences), transit status (e.g., traffic, mass transit delays), weather information (e.g., rain, sun, snow, etc.), and may collect requests for mobile banking resources (e.g., Mobile ATMs, ATM Taxis), branch usage data (e.g., length of ATM queues, ATM resources available, etc.), event data (e.g., sporting events, conferences), transit status (e.g., traffic, mass transit delays), weather information (e.g., rain, sun, snow, etc.), and may collect requests for mobile banking resources (e.g., Mobile ATMs, ATM Taxis), branch usage data (e.g., length of ATM queues, ATM resources available, etc.), event data (e.g., sporting events, conferences), transit status (e.g., traffic, mass transit delays), weather information (e
  • the solution may then optimally allocate mobile banking resources, including Mobile ATMs and ATM Taxis, to the requesting users based on the user locations and the resource location and availability.
  • mobile banking resources including Mobile ATMs and ATM Taxis
  • the system and method may also consider the user's transaction requirements (e.g., whether the request should be conducted in an ATM Taxi, in person, etc.), detailed user profile information (e.g., the user's sensitivity to delay, required security level, ability to authenticate the user remotely, etc.), the target destination for the taxicab ride, the frequency of requests locally/globally, and the availability of cabs in the various zones across the area of interest.
  • user's transaction requirements e.g., whether the request should be conducted in an ATM Taxi, in person, etc.
  • detailed user profile information e.g., the user's sensitivity to delay, required security level, ability to authenticate the user remotely, etc.
  • the target destination for the taxicab ride e.g., the frequency of requests locally/globally, and the availability of cabs in the various zones across the area of interest.
  • the mobile banking resources may carry variable amounts of cash or other resources.
  • the requested dollar amount may be considered so that a mobile banking resource with insufficient funds is not dispatched to a user.
  • the mobile banking resources may transfer cash or other resources among themselves at branches or other trusted locations when deployed.
  • the rider may or may not accompany the vehicle.
  • system and method may further comprise
  • ad-hoc cab allocation and resource queuing for local mobile banking resources may be used.
  • mobile banking resources may receive requests using local data transmission such as iBeacons, Near Field Communication (NFC), or other local communication technology.
  • NFC Near Field Communication
  • the mobile banking resources may only receive requests from within its immediate proximity (e.g., within a few blocks of its location).
  • the mobile banking resources may not have access to the global allocation/distribution center, they may exchange requests in their queues with other mobile banking resources in the proximity.
  • optimization algorithms may be used to self- relocate the devices to areas where more demand for mobile banking resources is anticipated. This may consider branch locations, other ATM locations, etc. in the area and look for opportunities to intersect anticipated demand for mobile banking resources.
  • the ATM Taxi may drive the user directly to the branch.
  • the mobile banking resources may drive itself to a pre-designated depot for cash recycling and other cash/resource related service and
  • the mobile banking resources may augment existing network of static ATM's when there are sudden demand peak by driving to the location to provide volume relief.
  • the mobile banking resources may have network level intelligence to know how many additional mobile ATM resources are needed to support demand and may know to be dispatched.
  • the mobile banking resources may act as a standalone ATM based on pre-configured rules and algorithms, and may act as a self-locating ATM.
  • the mobile banking resources may have extra security elements, for example, video cameras, speakers, communication devices, etc. and may be able to summon law enforcement, or even drive a suspicious person to law enforcement.
  • System 400 may include provisioning engine 410.
  • Provisioning engine 410 may comprise a server, or a number of servers, that receive various inputs and proactively allocate, assign, or deploy mobile banking resources.
  • Provisioning engine 410 may receive several inputs, including, for example, Mobile ATM request data 420 and ATM Taxi requests 430.
  • predicted Mobile ATM request data 425 and predicted ATM Taxi request data 435 may be considered.
  • the predicted requests may be based on, for example, profiles, historical data, etc. based on the time of day, day of the week, etc.
  • Provisioning engine 410 may further receive predicted ATM resource data 440. In one embodiment, this may be a prediction of the
  • provisioning engine 410 may look not only at existing requests, but also at predicted requests, predicted resources, etc. in order to optimize the outcome.
  • Provisioning engine 410 may receive a predicted transaction value and cost, as well as security and other constraints 445.
  • the user may start the transaction on a mobile banking resource and the transaction information can be used to prioritize the request. If, for instance, the user needs private, secure environment and access to a financial advisor to finalize a high priority transaction, that information is factored into the system.
  • Provisioning engine 410 may receive user preferences and security profiles 450. In one embodiment, the user preferences and security profiles 450 may be retrieved only for users making requests. [00116] Provisioning engine 410 may also receive event information and associated predictions 455. In one embodiment, real-time data regarding traffic, weather, events, etc. may be considered in order to predict resource requests.
  • metric-based ranking of incoming requests and assignment of resources are disclosed.
  • the metrics may include a request priority, serviceability of the request, etc.).
  • An example metric function M may be defined by the equation:
  • M CI * Serviceability + C2+ User Priority + C3 * Request priority + C4* Resource Requirements Match - as well as other functions depending on the custom use case
  • CI, C2, C3, ... CN represent the coefficients that may be set by, for example, the SLA (Service level agreement), Institutional Policies, dynamic coefficients determined by run time information (e.g., location of the vehicle, user, etc.)
  • ⁇ CS 1 -N> may be the dynamically adjusted /run-time coefficients determined by the system parameters and incoming data.
  • User Priority is a metric that may indicate the priority level a user might have in accessing resources.
  • Request priority may be a metric of how important the transaction requested in the incoming request queue this might include time sensitivity of the user's transaction profile, etc.
  • both user and request priorities may be affected by SLAs.
  • Resource requirements match is a metric that may indicate how suited the system instance (e.g., the mobile banking resource) is for performing the transaction from a resource requirement perspective. It may, for example, be expressed as a coefficient in the range of [0-1].
  • the requests may be received using streaming data, and may include real-time transaction requests that require branch/ATM, and may identify the transaction value, security level, resource requirements, etc. They may include pre-fetched and predicted transactions (near future transaction load predictions). Detailed user profiles for each request (users delay sensitivity, security requirements, other profile info, etc.) may be considered. If it is a Mobile ATM or ATM Taxi request, the target destination may be considered. The frequency of requests local/regional may be considered. The availability (both geographical proximity, resource (e.g., cash, videoconference ability, etc.), etc.) and cost for ATM Taxi requests may be considered. The existence and wait times at existing ATM/Branch locations may be considered. Event data (e.g., concerts, sporting events, daily/weekly population movement, and traffic profiles, mass transit status, conferences, etc.) may be considered.
  • Event data e.g., concerts, sporting events, daily/weekly population movement, and traffic profiles, mass transit status, conferences, etc.
  • step 505 mobile banking resource requests are received.
  • the requests may be for Mobile ATM resources and ATM Taxis.
  • the requests may be for banking resources that may not be mobile, such as at a branch location, but the ATM Taxi or another vehicle may pick up the customer and drive the customer to that resource.
  • the incoming requests may be evaluated and assigned a priority.
  • the priority may be based on, for example, the type of transaction requested, the user status (e.g., a preferred customer or non- preferred customer), proximity to resources, proximity to alternative banking resources (e.g., other banks), etc.
  • the calculated priority may be compared to a target value for priority.
  • the optimization function may vary the target value depending on the goal or goal. For example, in one embodiment, the financial institution may try to optimize for customer satisfaction, where the servicing of all requests are scheduled for minimum delay as well as taking user sensitivity for delay into account. In another embodiment, such as in high demand, limited resource cases, as the number of users demanding services exceed the available capacity other optimization may be performed, such as volume of the
  • the system may dynamically vary the optimization criteria.
  • a serviceability metric for the transaction may be calculated.
  • the serviceability metric may vary depending on the location of the user (e.g., rural vs. in a city), the location of the mobile banking resources, the nature of the transaction, etc.
  • the calculated serviceability metric may be compared to a target serviceability metric.
  • the target serviceability metric may be set by the financial institution based on its goals for customer service. It may also be based on system specifications, security requirements, etc.
  • a predicted map for a next time period may be calculated.
  • the mobile banking resource may have arrived at the location, and the user's transaction may be complete.
  • a user may input a target destination when requesting the mobile banking resource.
  • the mobile banking resource's next free time slot can be predicted for the predicted arrival time. If another user in the area is also requesting a mobile banking resource, the proposed map can highlight that this next user can be effectively serviced at this next time slot.
  • a list of active and available Vehicles ⁇ V l5 V 2 , ... V N ⁇ and Users ⁇ U l5 U 2 , ...U M ⁇ at time instant or time slot tl may be
  • a demand calculation may be made for next time slot tl+ ⁇ based on, for example, the behavior pattern over a period of time.
  • a predetermined threshold Thl of periodicity e.g., P ⁇ Thl
  • auto regressive moving average modeling may be used; for cases above the predetermined threshold of periodicity (P > Thl) may be calculated based on the periodicity.
  • the target mobile request destinations may be input into the system for the corresponding tl + 1 (Duration of service), while marking the end location requested by the user.
  • the availability of local and total resources may then be compared to the predicted local and total demand for the corresponding time slots.
  • the algorithm may attempt to maximize the gap weighted gap between the resource availability and resource demand for the next N time slots. The technique may be customized for other optimization goals using the same infrastructure for various embodiments.
  • external events such as traffic information, weather, events in the area, historical data (e.g., historical traffic, historical request data, etc.) may be considered in calculating the predicted map for the next time period.
  • the predicted map may be combined with the current map, and the estimated total priority and estimated availability of resources for the next time slot may be calculated.
  • the "total priority" may estimate the priority for all requests for an area, such as a geography, a service area, etc.
  • step 545 the total priority and total availability for the next time slot may be compared to a target value for total priority and total availability.
  • step 550 the system may determine the banking resource to send to the next request in the queue. For example, the system may determine where the banking resource is likely to be sent following completion of the current request.
  • step 555 the mobile banking resource is sent to service the current request.
  • an ad hoc approach may be used for locating resources. For example, as requests are received by incoming request queue, the requests are processed to provide the requested resource (e.g., mobile resource 620, 630, 640) as quickly as possible.
  • the process may be decentralized so that a request may be routed to available resources (e.g., mobile resource 620, 630, 640), and the resources (e.g., mobile resource 620, 630, 640) may communicate with one another to determine which is closest and has the required resources.
  • step 560 if any of the target values for priority (step 515), availability (525), and total priority and total availability (step 545) are not met, an alternative solution may be determined. In one embodiment, if an alternative solution is determined, then resources may be allocated to other users. In one embodiment, the alternative solution may be determined by considering, for example, predetermined values and real-time demand data.
  • incoming requests for resources may be received by incoming request queue 610.
  • the incoming request queue 610 may be a first in, first out queue.
  • certain requests may be given a higher priority than others based on, for example, customer status, etc.
  • the requests may be assigned based on the closest resource.
  • the user may be assigned the nearest available resource (e.g., mobile resource 620, 630, 640) prior to servicing the request while in the queue.
  • the nearest available resource e.g., mobile resource 620, 630, 640
  • resources may swap, exchange, trade, or assign queue entries if, for example, it is more efficient, if resources are unavailable, etc.
  • mobile resource 630 may determine that it does not have sufficient resources to conduct Request A that is in mobile resource 630's queue, and may coordinate with mobile resource 640 to swap Request A with mobile resource 640 's Request B. This may reduce the central control and any associated bottleneck in the system.
  • a plurality of mobile banking resources 620, 630, and 640 may be provided.
  • Mobile banking resources 620, 630, and 640 may include Mobile ATMs, ATM Taxis, etc.
  • Each mobile banking resource 620, 630, and 640 may include its own request queue 625, 635, and 645. As requests exit incoming request queue 610, they are transmitted to one, more than one, or all mobile banking resources 620, 630, and 640. Mobile banking resource 620, 630, and 640 may
  • a request may be transmitted from incoming request queue 610 to one mobile banking resource 620, 630, and 640 based on, for example, the closest resource to the request.
  • mobile baking resource 630 received a request from incoming request queue 610.
  • the selected mobile banking resource may transfer or exchange the request to another mobile banking resource.
  • mobile banking resource 630 has transferred a request to mobile banking resource 640 because mobile banking resource 630 did not have sufficient resources.
  • secure processing applications may be processed in secure processing unit 750, independent of the vehicle processing system unit 700.
  • secure processing unit 750 may be part of the vehicle system.
  • the data paths and communication paths for embedded secure processing unit 750 are fully encrypted.
  • vehicle processing unit 700 may receive input sensor data from a wide range of sensor devices (e.g., one or more sensor 705) such as those discussed above. Sensor(s) 705 may send the collected data to sensor interface module 710), which may include, for example, analog-to-digital converters, amplifiers, etc. Sensor interface module 710 may interface with vehicle embedded processing unit 720, which receives and processes input data from sensors, user interfaces, etc. Vehicle processing system 700 may also include vehicle embedded processing unit memory hierarchy 725 that may store the data across various cache, memory or non-volatile memory units. The communication path of the processing unit 700 may be independent of the processing path in secure processing unit 750.
  • sensor interface module 710 may include, for example, analog-to-digital converters, amplifiers, etc.
  • Sensor interface module 710 may interface with vehicle embedded processing unit 720, which receives and processes input data from sensors, user interfaces, etc.
  • Vehicle processing system 700 may also include vehicle embedded processing unit memory hierarchy 725 that may store the data across various cache, memory or non-volatile
  • input/output (I/O) 715 and 765 may be independent due to encryption and higher security processes.
  • Secure processing unit 750 may be a dedicated processing unit that handles high security application data for the vehicle systems, such as financial applications, medical applications, etc.
  • the data in secure processing unit 750 may be fully encrypted both in flux and at rest in storage hierarchy 775.
  • a plurality of sensors e.g., one or more sensor 755 may be used.
  • sensor(s) 755 may include image capture devices/sensors, motion sensors, pressure sensors, microphones, etc. for various biometric and other authentication techniques (such as iris recognition, voice recognition, face recognition, motion and other behavioral biometrics etc.).
  • the data from sensor(s) 755 may be converted and processed at sensor interface module 760, which, like sensor interface module 710, may include analog-to-digital converters, amplifiers, etc.
  • sensor interface module 760 which, like sensor interface module 710, may include analog-to-digital converters, amplifiers, etc.
  • the encryption stages are not illustrated, it is notable that all data may be protected within secure processing unit 750.
  • secure processing unit 750 may also provide data encryption at rest.
  • secure processing unit 750 may include a dedicated communication interface, such as an antenna.
  • secure processing unit 750 may include dedicated security unit 780 that may provide secure data analysis and may disable secure processing unit 760 if any anomalies or threats are detected. Threat and anomaly profiles and models are stored in dedicated security unit 780.
  • the user may interface with vehicle processing unit 700 and/or secure processing unit 750 using user interface 730.
  • the system of the invention or portions of the system of the invention may be in the form of a "processing machine,” such as a general purpose computer, for example.
  • processing machine such as a general purpose computer, for example.
  • the term "processing machine” is to be understood to include at least one processor that uses at least one memory.
  • the at least one memory stores a set of instructions.
  • the instructions may be either permanently or temporarily stored in the memory or memories of the processing machine.
  • the processor executes the instructions that are stored in the memory or memories in order to process data.
  • the set of instructions may include various instructions that perform a particular task or tasks, such as those tasks described above. Such a set of instructions for performing a particular task may be characterized as a program, software program, or simply software.
  • the processing machine may be a specialized computer processor.
  • the processing machine executes the instructions that are stored in the memory or memories to process data.
  • This processing of data may be in response to commands by a user or users of the processing machine, in response to previous processing, in response to a request by another processing machine and/or any other input, for example.
  • the processing machine used to implement the invention may be a general purpose computer.
  • the processing machine described above may also utilize any of a wide variety of other technologies including a special purpose computer, a computer system
  • a microcomputer including, for example, a microcomputer, mini-computer or mainframe, a programmed microprocessor, a micro-controller, a peripheral integrated circuit element, a CSIC (Customer Specific Integrated Circuit) or ASIC (Application Specific Integrated Circuit) or other integrated circuit, a logic circuit, a digital signal processor, a programmable logic device such as a FPGA, PLD, PLA or PAL, or any other device or arrangement of devices that is capable of
  • the processing machine used to implement the invention may utilize a suitable operating system.
  • embodiments of the invention may include a processing machine running the iOS operating system, the OS X operating system, the Android operating system, the Microsoft WindowsTM 8 operating system, Microsoft WindowsTM 7 operating system, the Microsoft WindowsTM VistaTM operating system, the Microsoft WindowsTM XPTM operating system, the Microsoft WindowsTM NTTM operating system, the WindowsTM 2000 operating system, the Unix operating system, the Linux operating system, the Xenix operating system, the IBM AIXTM operating system, the Hewlett-Packard UXTM operating system, the Novell NetwareTM operating system, the Sun Microsystems SolarisTM operating system, the OS/2TM operating system, the BeOSTM operating system, the Macintosh operating system, the Apache operating system, an OpenStepTM operating system or another operating system or platform.
  • each of the processors and/or the memories of the processing machine may be located in geographically distinct locations and connected so as to communicate in any suitable manner.
  • each of the processor and/or the memory may be composed of different physical pieces of equipment. Accordingly, it is not necessary that the processor be one single piece of equipment in one location and that the memory be another single piece of equipment in another location. That is, it is contemplated that the processor may be two pieces of equipment in two different physical locations. The two distinct pieces of equipment may be connected in any suitable manner. Additionally, the memory may include two or more portions of memory in two or more physical locations.
  • processing is performed by various components and various memories.
  • the processing performed by two distinct components as described above may, in accordance with a further embodiment of the invention, be performed by a single component.
  • the processing performed by one distinct component as described above may be performed by two distinct components.
  • the memory storage performed by two distinct memory portions as described above may, in accordance with a further embodiment of the invention, be performed by a single memory portion.
  • the memory storage performed by one distinct memory portion as described above may be performed by two memory portions.
  • Such technologies used to provide such communication might include a network, the Internet, Intranet, Extranet, LAN, an Ethernet, wireless communication via cell tower or satellite, or any client server system that provides communication, for example.
  • communications technologies may use any suitable protocol such as TCP/IP, UDP, or OSI, for example.
  • a set of instructions may be used in the processing of the invention.
  • the set of instructions may be in the form of a program or software.
  • the software may be in the form of system software or application software, for example.
  • the software might also be in the form of a collection of separate programs, a program module within a larger program, or a portion of a program module, for example.
  • the software used might also include modular programming in the form of object oriented programming. The software tells the processing machine what to do with the data being processed.
  • the instructions or set of instructions used in the implementation and operation of the invention may be in a suitable form such that the processing machine may read the instructions.
  • the instructions that form a program may be in the form of a suitable
  • programming language which is converted to machine language or object code to allow the processor or processors to read the instructions. That is, written lines of programming code or source code, in a particular programming language, are converted to machine language using a compiler, assembler or interpreter.
  • the machine language is binary coded machine instructions that are specific to a particular type of processing machine, i.e., to a particular type of computer, for example. The computer understands the machine language.
  • any suitable programming language may be used in accordance with the various embodiments of the invention.
  • the programming language used may include assembly language, Ada, APL, Basic, C, C++, COBOL, dBase, Forth, Fortran, Java, Modula-2, Pascal, Prolog, REXX, Visual Basic, and/or JavaScript, for example.
  • assembly language Ada
  • APL APL
  • Basic Basic
  • C C
  • C++ C++
  • COBOL COBOL
  • dBase Forth
  • Fortran Fortran
  • Java Modula-2
  • Pascal Pascal
  • Prolog Prolog
  • REXX REXX
  • Visual Basic Visual Basic
  • JavaScript JavaScript
  • the instructions and/or data used in the practice of the invention may utilize any compression or encryption technique or algorithm, as may be desired.
  • An encryption module might be used to encrypt data.
  • files or other data may be decrypted using a suitable decryption module, for example.
  • the invention may illustratively be embodied in the form of a processing machine, including a computer or computer system, for example, that includes at least one memory.
  • the set of instructions i.e., the software for example, that enables the computer operating system to perform the operations described above may be contained on any of a wide variety of media or medium, as desired.
  • the data that is processed by the set of instructions might also be contained on any of a wide variety of media or medium. That is, the particular medium, i.e., the memory in the processing machine, utilized to hold the set of instructions and/or the data used in the invention may take on any of a variety of physical forms or transmissions, for example.
  • the medium may be in the form of paper, paper transparencies, a compact disk, a DVD, an integrated circuit, a hard disk, a floppy disk, an optical disk, a magnetic tape, a RAM, a ROM, a PROM, an EPROM, a wire, a cable, a fiber, a communications channel, a satellite transmission, a memory card, a SIM card, or other remote transmission, as well as any other medium or source of data that may be read by the processors of the invention.
  • the memory or memories used in the processing machine that implements the invention may be in any of a wide variety of forms to allow the memory to hold instructions, data, or other information, as is desired.
  • the memory might be in the form of a database to hold data.
  • the database might use any desired arrangement of files such as a flat file arrangement or a relational database arrangement, for example.
  • a user interface includes any hardware, software, or combination of hardware and software used by the processing machine that allows a user to interact with the processing machine.
  • a user interface may be in the form of a dialogue screen for example.
  • a user interface may also include any of a mouse, touch screen, keyboard, keypad, voice reader, voice recognizer, dialogue screen, menu box, list, checkbox, toggle switch, a pushbutton or any other device that allows a user to receive information regarding the operation of the processing machine as it processes a set of instructions and/or provides the processing machine with information.
  • the user interface is any device that provides communication between a user and a processing machine.
  • the information provided by the user to the processing machine through the user interface may be in the form of a command, a selection of data, or some other input, for example.
  • a user interface is utilized by the processing machine that performs a set of instructions such that the processing machine processes data for a user.
  • the user interface is typically used by the processing machine for interacting with a user either to convey information or receive information from the user.
  • the user interface of the invention might interact, i.e., convey and receive information, with another processing machine, rather than a human user.
  • the other processing machine might be characterized as a user.
  • a user interface utilized in the system and method of the invention may interact partially with another processing machine or processing machines, while also interacting partially with a human user.

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Abstract

L'invention concerne des systèmes et des procédés permettant de gérer des ressources bancaires mobiles. Dans un mode de réalisation, une ressource de transaction mobile automotrice peut comprendre : une plateforme mobile automotrice sans pilote; une interface utilisateur permettant l'interfaçage avec un utilisateur pour effectuer une transaction; au moins un contrôleur qui commande le mouvement de la plateforme mobile et l'interface utilisateur; une interface de communication pour le ou les contrôleurs qui communiquent avec un serveur; et une pluralité de capteurs qui capturent au moins une caractéristique de l'utilisateur.
PCT/US2015/040122 2014-07-14 2015-07-13 Systèmes et procédés de gestion de ressources bancaires mobiles WO2016010884A1 (fr)

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US14/554,930 US10055726B2 (en) 2014-07-14 2014-11-26 Systems and methods for management of mobile banking resources
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