ALEXANDRIA, Va., March 5 -- United States Patent no. 12,243,027, issued on March 4, was assigned to United Services Automobile Association (USAA) (San Antonio).

"Interactive kiosk for branchless banking" was invented by Bharat Prasad (San Antonio), Gunjan Vijayvergia (San Antonio) and Charles Lee Oakes III (Boerne, Texas).

According to the abstract* released by the U.S. Patent & Trademark Office: "An automated banking terminal for facilitating a financial transaction is provided. The automated banking terminal includes a processor, a display for presenting a set of customer menu options, and a communication interface. The automated banking terminal also includes expansion slots which have a mechanical interface and an electrical interface...