Autonomous Mobile Banking Robot Predictive Deployment
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Solution Overview
Problem
Conventional ATMs pose safety and security concerns for users, particularly when accessing cash or depositing funds, and often result in long wait times and inconvenient locations.
Innovation Solution
A mobile banking resource system comprising an unmanned motorized vehicle equipped with a controller, authentication device, and interface module, which predicts user behavior and location to autonomously move to desired locations, ensuring secure and convenient transactions through a user interface module with input devices and communication interfaces.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If ATMs are installed in fixed locations, then banking services are accessible, but users face safety risks when traveling to and from ATMs
Solution Approach 1:
The patent transforms the static ATM into a dynamic mobile robot that can autonomously navigate to different locations. The mobile banking robot includes locomotion mechanisms (wheels, tracks, or legs) and navigation systems (GPS, sensors) that enable it to move between users based on predicted behavior patterns, eliminating the need for users to travel to fixed ATM locations while maintaining service accessibility.
Solution Approach 2:
The mobile banking robot serves as an intermediary between the user and the banking system. Instead of the user directly accessing a fixed ATM, the robot acts as a mobile intermediary that travels to the user's predicted location, providing banking services in a safe and convenient manner while mediating the interaction between the user and financial transactions.
2Productivity
If ATMs are strategically located, then banking access is provided, but long queues and wait times occur during peak hours
Solution Approach 1:
The system performs preliminary actions by predicting user behavior patterns and proactively deploying the mobile banking robot to anticipated locations before users arrive. The server analyzes historical data, time patterns, and user preferences to predict where and when users will need banking services, allowing the robot to be positioned in advance, thereby eliminating queues and wait times during peak hours.
Solution Approach 2:
The mobile banking robot dynamically adjusts its location and availability based on real-time demand predictions. Unlike fixed ATMs with static locations, the robot can move to high-demand areas during peak hours, optimizing transaction speed and minimizing user wait time by being present where and when it is most needed.
3Adaptability or versatility
If multiple ATMs are deployed, then service coverage is increased, but operational costs and resource allocation complexity increase
Solution Approach 1:
The mobile banking robot is designed as a universal platform that can serve multiple functions and locations. A single robot can visit different users at different times and locations, replacing the need for multiple fixed ATMs. The robot maintains service coverage across the entire service area by dynamically relocating, while the server coordinates resource allocation efficiently, reducing overall system complexity.
Solution Approach 2:
The system optimizes resource allocation by having the mobile banking robot discard its current location and recover (return to base or relocate to) new locations based on predicted demand. This dynamic allocation allows the same resource (the robot) to serve multiple areas sequentially, reducing the total number of ATMs needed while maintaining comprehensive service coverage.
Data Source
AI summary
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.