System and method for providing a driverless portable atm

Abstract

Systems and methods include a database of a financial institution that maintains a respective status of a plurality of mobile automated teller machines (ATMs), the status of each of the plurality of mobile ATMs indicating the location of the respective mobile ATM and the amount of cash available for withdrawal from the mobile ATM, a communication interface that receives a request for a mobile ATM from a user device via a network, the request including user device location data, a location processor that compares the user device location data to location data associated with the plurality of mobile ATMs, and determines a first mobile ATM from the plurality of mobile ATMs that is closest to the user device based on the user device location data, and a transaction processor of a backend system of the financial institution that processes a transaction based on received confirmation.

1 . (canceled) 
     
     
         2 . A system for managing one or more mobile automated teller machines (ATMs) comprising:
 one or more mobile automated teller machines (ATMs) each comprising:
 a generator; 
 a power switchover configured to transition, without electrical interruption, between receiving power from the generator and receiving power from an electrical grid; 
 a dual-band router having a first band configured to communicate via a first mobile service provider and a second band configured to communicate via a second mobile service provider; 
   one or more mobile ATM processors;   a memory in communication with the one or more mobile ATM processors and storing instructions that, when executed by the one or more mobile ATM processors, are configured to cause the system to:
 receive, from a backend system of a financial service provider, an indication of a request from a user device for a mobile ATM; 
 transmit, to the backend system, a transaction request associated with a transaction between the mobile ATM and the user device; 
 receive, from the backend system, a transaction authorization associated with the transaction; and 
 transmit, to the backend system, confirmation that the transaction was executed. 
   
     
     
         3 . The system of  claim 2 , wherein the request for at least one of the one or more mobile ATMs is received by the backend system from a user device executing a banking application associated with the financial service provider. 
     
     
         4 . The system of  claim 2 , wherein the request for at least one of the one or more mobile ATMs further comprises at least one request type of: a driverless mobile ATM request, a human driven mobile ATM request, and an Americans with Disabilities Act mobile ATM request. 
     
     
         5 . The system of  claim 2 , wherein the request for the mobile ATM is based on transaction data, the transaction data further comprising transaction location data indicative of a transaction location at which the at least one of the one or more mobile ATMs is requested to conduct the transaction. 
     
     
         6 . The system of  claim 5 , wherein the request for the mobile ATM is based on transaction data, the transaction data further comprising transaction resource data indicative of an amount of resources requested to conduct the transaction. 
     
     
         7 . The system of  claim 5 , wherein the backend system determines which of the one or more mobile ATMs is a most convenient mobile ATM, the determining comprising at least one of: determining which of the one or more mobile ATMs is the closest ATM to the transaction location based on comparing the transaction location data to a current location of each of the one or more mobile ATMs, and determining which of the one or more mobile ATMs can arrive the fastest to the transaction location based on the comparing. 
     
     
         8 . The system of  claim 2 , wherein each mobile ATM of the one or more mobile ATMs is associated with a mobile ATM application configured to provide status updates corresponding to the respective mobile ATM, and wherein each status update comprises (i) a location of the corresponding respective mobile ATM, the location including global positioning system (GPS) information, and (ii) a current amount of resources available at the corresponding respective mobile ATM. 
     
     
         9 . The system of  claim 2 , wherein each mobile ATM of the one or more mobile ATMs is provided with a camera and a remote disable feature. 
     
     
         10 . A system for managing one or more mobile automated teller machines (ATMs) comprising:
 one or more mobile automated teller machines (ATMs) each comprising:
 a generator; 
 a power switchover configured to transition, without electrical interruption, between receiving power from the generator and receiving power from an electrical grid; 
   one or more processors;   a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
 receive, from a user device, a request for at least one of the one or more mobile ATMs, the request comprising transaction data, the request comprising transaction location data indicative of a transaction location at which the at least one of the one or more mobile ATMs is requested to conduct a transaction; 
 compare the transaction location data to a current location of each of the one or more mobile ATMs; 
 determine which of the one or more mobile ATMs is a most convenient mobile ATM from among the one or more mobile ATMs based on the comparison; 
 transmit the request to the most convenient mobile ATM; 
 execute a transaction for a user associated with the user device; and 
 receive, from the most convenient mobile ATM or the user device, confirmation that the transaction was executed. 
   
     
     
         11 . The system of  claim 10 , wherein the request for at least one of the one or more mobile ATMs further comprises at least one request type of: a driverless mobile ATM request, a human driven mobile ATM request, and an Americans with Disabilities Act mobile ATM request. 
     
     
         12 . The system of  claim 10 , wherein each mobile ATM of the one or more mobile ATMs is provided with a camera and a remote disable feature. 
     
     
         13 . The system of  claim 10 , wherein the request further comprises transaction resource data indicative of an amount of resources requested to conduct the transaction, and the determining which of the one or more mobile ATMs is a most convenient mobile ATM further comprises comparing the transaction resource data to a current amount of resources available at each of the one or more mobile ATMs. 
     
     
         14 . The system of  claim 10 , wherein, to compare the transaction location data to the current location of each of the one or more mobile ATMs, a processor of the one or more processors determines whether a location associated with the transaction location data is within a predetermined range of the corresponding locations of each of the one or more mobile ATMs. 
     
     
         15 . The system of  claim 14 , wherein the determining which of the one or more mobile ATMs is a most convenient mobile ATM from among the one or more mobile ATMs further comprises a processor of the one or more processors determining that the most convenient mobile ATM is closer to the location associated with the transaction location data than all other mobile ATMs of the one or more mobile ATMs that are within the predetermined range. 
     
     
         16 . A system for managing one or more mobile automated teller machines (ATMs) comprising:
 one or more mobile automated teller machines (ATMs), each of the one or more mobile ATMs comprising:
 a dual-band router having a first band configured to communicate via a first mobile service provider and a second band configured to communicate via a second mobile service provider; and 
   one or more processors;   a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
 receive, from a user device, a request for at least one of the one or more mobile ATMs, the request comprising transaction data, the request comprising transaction location data indicative of a transaction location at which the at least one of the one or more mobile ATMs is requested to conduct a transaction; 
 compare the transaction location data to a current location of each of the one or more mobile ATMs; 
 determine which of the one or more mobile ATMs is a most convenient mobile ATM from among the one or more mobile ATMs based on the comparison; 
 transmit the request to the most convenient mobile ATM; 
 execute a transaction for a user associated with the user device; and 
 receive, from the most convenient mobile ATM or the user device, confirmation that the transaction was executed. 
   
     
     
         17 . The system of  claim 16 , wherein the request for at least one of the one or more mobile ATMs further comprises at least one request type of: a driverless mobile ATM request, a human driven mobile ATM request, and an Americans with Disabilities Act mobile ATM request. 
     
     
         18 . The system of  claim 16 , wherein each mobile ATM of the one or more mobile ATMs is provided with a camera and a remote disable feature. 
     
     
         19 . The system of  claim 16 , wherein the request further comprises transaction resource data indicative of an amount of resources requested to conduct the transaction, and the determining which of the one or more mobile ATMs is a most convenient mobile ATM further comprises comparing the transaction resource data to a current amount of resources available at each of the one or more mobile ATMs. 
     
     
         20 . The system of  claim 16 , wherein, to compare the transaction location data to the current location of each of the one or more mobile ATMs, a processor of the one or more processors determines whether a location associated with the transaction location data is within a predetermined range of the corresponding locations of each of the one or more mobile ATMs. 
     
     
         21 . The system of  claim 20 , wherein the determining which of the one or more mobile ATMs is a most convenient mobile ATM from among the one or more mobile ATMs further comprises a processor of the one or more processors determining that the most convenient mobile ATM is closer to the location associated with the transaction location data than all other mobile ATMs of the one or more mobile ATMs that are within the predetermined range.