Methods and systems for automatically sending rule-based communications from a vehicle

• US 10,672,060 B2
• Filed: 12/31/2016
• Issued: 06/02/2020
• Est. Priority Date: 07/07/2016
• Status: Active Grant

• Current Assignee: NIO Technology Company Limited (Shanghai Anbin Technology Co., Ltd.)
• Original Assignee: Nio Usa Inc.
• Inventors: Ricci, Christopher P.
• Primary Examiner(s): Garg, Yogesh C
• Application Number:
  US15/396,610
• Publication Number:
  US 20180012279A1
• Time in Patent Office: 1,249 Days
• Field of Search: 705 2641, 705 261, 705 2635, 705 2681, 705 2682, 705 2662
• CPC Class Codes: A61B 2503/22 Motor vehicles operators, e.g. drivers, pilots, captains
• CPC Class Codes: A61B 5/1171 based on the shapes or appearances of their bodies or parts thereof
• CPC Class Codes: A61B 5/1172 using fingerprinting
• CPC Class Codes: A61B 5/1176 Recognition of faces
• CPC Class Codes: B60K 2360/334 Projection means
• CPC Class Codes: B60K 35/00 Instruments specially adapted for vehicles; Arrangement of instruments in or on vehicles
• CPC Class Codes: B60K 35/212 displaying on manual operation elements, e.g. on a knob
• CPC Class Codes: B60K 6/20 the prime-movers consisting of electric motors and internal combustion engines, e.g. HEVs
• CPC Class Codes: B60L 2240/549 Current
• CPC Class Codes: B60L 2240/70 Interactions with external data bases, e.g. traffic centres
• CPC Class Codes: B60L 2240/72 Charging station selection relying on external data
• CPC Class Codes: B60L 2270/32 of electricity
• CPC Class Codes: B60L 5/24 Pantographs
• CPC Class Codes: B60L 50/53 in combination with an external power supply, e.g. from overhead contact lines
• CPC Class Codes: B60L 53/00 Methods of charging batteries, specially adapted for electric vehicles; Charging stations or on-board charging equipment therefor; Exchange of energy storage elements in electric vehicles
• CPC Class Codes: B60L 53/12 Inductive energy transfer
• CPC Class Codes: B60L 53/14 Conductive energy transfer
• CPC Class Codes: B60L 53/65 involving identification of vehicles or their battery types
• CPC Class Codes: B60L 53/665 Methods related to measuring, billing or payment
• CPC Class Codes: B60L 53/80 Exchanging energy storage elements, e.g. removable batteries
• CPC Class Codes: B60L 7/10 : Dynamic electric regenerative braking B60L7/22 takes precedence
• CPC Class Codes: B60L 8/003 : Converting light into electric energy, e.g. by using photo-voltaic systems
• CPC Class Codes: B60L 8/006 : Converting flow of air into electric energy, e.g. by using wind turbines
• CPC Class Codes: B60L 9/00 : Electric propulsion with power supply external to the vehicle electric propulsion for monorail vehicles, suspension vehicles or rack railways B60L13/00; in combination with batteries or fuel cells within the vehicle B60L50/53
• CPC Class Codes: B60M 1/00 : Power supply lines for contact with collector on vehicle collectors therefor B60L5/00
• CPC Class Codes: B60M 7/00 : Power lines or rails specially adapted for electrically-propelled vehicles of special types, e.g. suspension tramway, ropeway, underground railway
• CPC Class Codes: B60R 11/04 : Mounting of cameras operative during drive; Arrangement of controls thereof relative to the vehicle
• CPC Class Codes: B60R 2011/0003 : inside the vehicle
• CPC Class Codes: B60R 2011/004 : outside the vehicle
• CPC Class Codes: B60R 2300/30 : characterised by the type of image processing
• CPC Class Codes: B60R 2300/804 : for lane monitoring
• CPC Class Codes: B60R 2325/105 : Radio frequency identification data [RFID]
• CPC Class Codes: B60R 25/102 : a signal being sent to a remote location, e.g. a radio signal being transmitted to a police station, a security company or the owner
• CPC Class Codes: B60R 25/2081 : combined with personal settings of other vehicle devices, e.g. mirrors, seats, steering wheels
• CPC Class Codes: B60W 2040/0809 : Driver authorisation; Driver identity check
• CPC Class Codes: B60W 2050/143 : Alarm means
• CPC Class Codes: B60W 2050/146 : Display means
• CPC Class Codes: B60W 2300/34 : Compact city vehicles, e.g., microcars or kei cars
• CPC Class Codes: B60W 2540/00 : Input parameters relating to occupants
• CPC Class Codes: B60W 2540/21 : Voice
• CPC Class Codes: B60W 2540/215 : Selection or confirmation of options
• CPC Class Codes: B60W 40/08 : related to drivers or passengers
• CPC Class Codes: B60W 50/08 : Interaction between the driver and the control system
• CPC Class Codes: B60Y 2200/91 : Electric vehicles
• CPC Class Codes: B60Y 2200/912 : Electric vehicles with power supply external to vehicle, e.g. trolley buses or trams
• CPC Class Codes: B60Y 2200/92 : Hybrid vehicles
• CPC Class Codes: B60Y 2300/60 : Control of electric machines, e.g. problems related to electric motors or generators
• CPC Class Codes: B60Y 2302/07 : Disabling particular vehicle functions, e.g. to affect the driving style
• CPC Class Codes: B60Y 2400/92 : Driver displays
• CPC Class Codes: G01C 21/36 : Input/output arrangements for on-board computers
• CPC Class Codes: G01C 21/3617 : using user history, behaviour, conditions or preferences, e.g. predicted or inferred from previous use or current movement
• CPC Class Codes: G01C 21/3697 : Output of additional, non-guidance related information, e.g. low fuel level G01C21/3679 takes precedence
• CPC Class Codes: G01S 2013/9316 : combined with communication equipment with other vehicles or with base stations
• CPC Class Codes: G05B 15/02 : electric
• CPC Class Codes: G05D 1/0011 : associated with a remote control arrangement
• CPC Class Codes: G05D 1/0088 : characterized by the autonomous decision making process, e.g. artificial intelligence, predefined behaviours using knowledge based models G06N5/00
• CPC Class Codes: G06F 16/248 : Presentation of query results
• CPC Class Codes: G06F 16/951 : Indexing; Web crawling techniques
• CPC Class Codes: G06F 21/31 : User authentication
• CPC Class Codes: G06F 21/32 : using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/6245 : Protecting personal data, e.g. for financial or medical purposes
• CPC Class Codes: G06F 3/011 : Arrangements for interaction with the human body, e.g. for user immersion in virtual reality blind teaching G09B21/00
• CPC Class Codes: G06K 19/0708 : the source being electromagnetic or magnetic
• CPC Class Codes: G06K 7/10257 : arrangements for protecting the interrogation against piracy attacks computer security in general G06F21/00; jamming of communication, countermeasures H04K3/00; secret communication H04K1/00
• CPC Class Codes: G06K 7/10316 : using at least one antenna particularly designed for interrogating the wireless record carriers antennas in general H01Q1/22
• CPC Class Codes: G06K 7/10425 : the interrogation device being arranged for interrogation of record carriers passing by the interrogation device
• CPC Class Codes: G06Q 10/20 : Administration of product repair or maintenance
• CPC Class Codes: G06Q 20/105 : involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 : Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/14 : specially adapted for billing systems
• CPC Class Codes: G06Q 20/308 : using the Internet of Things
• CPC Class Codes: G06Q 20/32 : using wireless devices
• CPC Class Codes: G06Q 20/3224 : Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/401 : Transaction verification
• CPC Class Codes: G06Q 20/4012 : Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/405 : Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/012 : Providing warranty services
• CPC Class Codes: G06Q 30/0206 : Price or cost determination based on market factors
• CPC Class Codes: G06Q 30/0208 : Trade or exchange of goods or services in exchange for incentives or rewards
• CPC Class Codes: G06Q 30/0601 : Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0609 : Buyer or seller confidence or verification
• CPC Class Codes: G06Q 30/0613 : Third-party assisted
• CPC Class Codes: G06Q 30/0625 : Directed, with specific intent or strategy
• CPC Class Codes: G06Q 30/0635 : Processing of requisition or of purchase orders
• CPC Class Codes: G06Q 30/0637 : Approvals
• CPC Class Codes: G06V 20/59 : inside of a vehicle, e.g. relating to seat occupancy, driver state or inner lighting conditions
• CPC Class Codes: G06V 20/597 : Recognising the driver's state or behaviour, e.g. attention or drowsiness
• CPC Class Codes: G06V 40/10 : Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
• CPC Class Codes: G06V 40/1365 : Matching; Classification
• CPC Class Codes: G06V 40/172 : Classification, e.g. identification
• CPC Class Codes: G07B 15/063 : using wireless information transmission between the vehicle and a fixed station identification of vehicles G08G
• CPC Class Codes: G07C 5/008 : communicating information to a remotely located station transmission systems for measured values G08C
• CPC Class Codes: G07C 5/02 : Registering or indicating driving, working, idle, or waiting time only apparatus forming part of taximeters G07B13/00
• CPC Class Codes: G07C 5/0808 : Diagnosing performance data testing of vehicles G01M17/00; testing of electrical installation on vehicles G01R31/005
• CPC Class Codes: G07C 5/0816 : Indicating performance data, e.g. occurrence of a malfunction
• CPC Class Codes: G07C 5/0858 : wherein the data carrier is removable
• CPC Class Codes: G07C 9/00563 : using personal physical data of the operator, e.g. finger prints, retinal images, voicepatterns
• CPC Class Codes: G08G 1/017 : identifying vehicles G08G1/015, G08G1/054 take precedence
• CPC Class Codes: G08G 1/0962 : having an indicator mounted inside the vehicle, e.g. giving voice messages
• CPC Class Codes: G08G 1/09626 : where the origin of the information is within the own vehicle, e.g. a local storage device, digital map
• CPC Class Codes: G08G 1/096775 : where the origin of the information is a central station
• CPC Class Codes: G08G 1/096827 : where the route is computed onboard
• CPC Class Codes: G08G 1/096838 : where the user preferences are taken into account or the user selects one route out of a plurality
• CPC Class Codes: G08G 1/16 : Anti-collision systems road vehicle drive control systems for predicting or avoiding probable or impending collision otherwise than by control of a particular sub-unit B60W30/08
• CPC Class Codes: G08G 1/20 : Monitoring the location of vehicles belonging to a group, e.g. fleet of vehicles, countable or determined number of vehicles
• CPC Class Codes: H01Q 1/325 : characterised by the location of the antenna on the vehicle
• CPC Class Codes: H01Q 1/3266 : using the mirror of the vehicle
• CPC Class Codes: H01Q 1/3275 : mounted on a horizontal surface of the vehicle, e.g. on roof, hood, trunk
• CPC Class Codes: H01Q 1/3283 : side-mounted antennas, e.g. bumper-mounted, door-mounted mounted on windscreens H01Q1/1271
• CPC Class Codes: H01Q 1/3291 : mounted in or on other locations inside the vehicle or vehicle body
• CPC Class Codes: H01Q 21/30 : Combinations of separate antenna units operating in different wavebands and connected to a common feeder system
• CPC Class Codes: H02J 7/0068 : Battery or charger load switching, e.g. concurrent charging and load supply H02J7/0013 takes precedence
• CPC Class Codes: H04B 5/79 : for data transfer in combination with power transfer
• CPC Class Codes: H04L 2209/80 : Wireless network architectures or network communication protocols for wireless network security H04W12/00
• CPC Class Codes: H04L 2209/805 : Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor
• CPC Class Codes: H04L 2209/84 : Vehicles
• CPC Class Codes: H04L 63/0428 : wherein the data content is protected, e.g. by encrypting or encapsulating the payload
• CPC Class Codes: H04L 9/321 : involving a third party or a trusted authority
• CPC Class Codes: H04L 9/3226 : using a predetermined code, e.g. password, passphrase or PIN network architectures or network communication protocols for supporting authentication of entities using passwords in a packet data network H04L63/083
• CPC Class Codes: H04W 12/02 : Protecting privacy or anonymity, e.g. protecting personally identifiable information [PII]
• CPC Class Codes: H04W 12/03 : Protecting confidentiality, e.g. by encryption
• CPC Class Codes: H04W 12/04 : Key management, e.g. using generic bootstrapping architecture [GBA]
• CPC Class Codes: H04W 12/06 : Authentication
• CPC Class Codes: H04W 4/40 : for vehicles, e.g. vehicle-to-pedestrians [V2P]
• CPC Class Codes: H04W 4/44 : for communication between vehicles and infrastructures, e.g. vehicle-to-cloud [V2C] or vehicle-to-home [V2H]
• CPC Class Codes: H04W 4/46 : for vehicle-to-vehicle communication [V2V]
• CPC Class Codes: H04W 4/80 : Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
• CPC Class Codes: Y02T 10/70 : Energy storage systems for electromobility, e.g. batteries
• CPC Class Codes: Y02T 10/7072 : Electromobility specific charging systems or methods for batteries, ultracapacitors, supercapacitors or double-layer capacitors
• CPC Class Codes: Y02T 10/72 : Electric energy management in electromobility
• CPC Class Codes: Y02T 90/12 : Electric charging stations
• CPC Class Codes: Y02T 90/14 : Plug-in electric vehicles
• CPC Class Codes: Y02T 90/16 : Information or communication technologies improving the operation of electric vehicles
• CPC Class Codes: Y02T 90/167 : Systems integrating technologies related to power network operation and communication or information technologies for supporting the interoperability of electric or hybrid vehicles, i.e. smartgrids as interface for battery charging of electric vehicles [EV] or hybrid vehicles [HEV]
• CPC Class Codes: Y04S 30/14 : Details associated with the interoperability, e.g. vehicle recognition, authentication, identification or billing

Abstract

A vehicle is provided that determines a need for communication with a third party vendor, retrieves the user rule from the memory (the user rule defining to which third party vendor the vehicle can send a first communication to address the need and defining a geographic location of the third party vendor relative to a current location of the vehicle, a monetary amount the vehicle can pay to a third party vendor for a product or service to address the need, and a time limit for the third party vendor to provide the product or service to address the need), based on the user rule, selects a third party vendor from among multiple possible third party vendors, and when determined by the user rule, automatically sends the first communication to the selected third party vendor to order the product or service and provides an authorization to the selected third party vendor to complete the order. The vehicle uses different communication protocols to provide the first communication and authorization to the selected third party vendor.

Claims

1. A vehicle, comprising:

a memory that stores a data structure comprising a user rule applicable to third party vendor communications associated with a user in the vehicle; and

a processor in communication with the memory, wherein the processor;

determines, based on historic user behavior stored in the data structure of the memory and a current state of the vehicle, a need for communication with a third party vendor;

retrieves, automatically and in response to determining the need for communication with the third party vendor, the user rule from the data structure of the memory, wherein the user rule defines to which third party vendor the vehicle is pre-authorized to send a first communication to address the need, the need relating to a product or service of the third party vendor, and wherein the user rule defines a monetary limit the vehicle is pre-authorized to pay to a third party vendor for a product or service to address the need and a time limit the third party vendor is pre-authorized to receive payment for the product or service to address the need;

selects, based on the user rule, a third party vendor from among multiple possible third party vendors, wherein each of the multiple possible third party vendors is capable of providing the product or service to meet the need;

sends, automatically across a wireless communication network via a first communication protocol and based on the user rule, the first communication to a server of the selected third party vendor to address the need, wherein the first communication is associated with an order for the product or service, wherein the first communication comprises a pre-authorization comprising an incomplete portion of a complete financial information of the user; and

transmits, via a second communication protocol different from the first communication protocol, an authorization comprising a remaining portion of the complete financial information of the user to the selected third party vendor to complete the order and a financial transaction for the order.

2. The vehicle of claim 1, wherein the product or service is obtainable from the selected third party vendor at a first location, wherein the first communication is sent when the vehicle is at a second location, wherein the second communication is transmitted when the vehicle is at a third location that is closer to the first location than the second location, wherein the data structure stored in the memory comprises limits on third party vendor communications associated with the user in the vehicle, wherein the limits restrict financial transactions of the user with multiple possible third party vendors, wherein the limits comprise a limit on a number of financial transactions, and wherein, based on the limits, the processor:

determines whether the vehicle is authorized to automatically send the first communication to one of the multiple possible third party vendors, the first communication initiating the financial transaction with the selected third party vendor regarding the order for the product or service;

sends, automatically when allowed by the limits, the first communication to the server of the selected third party vendor on behalf of the user; and

restricts, automatically when not allowed by the limits, sending the first communication to the server of the selected third party vendor on behalf of the user.

3. The vehicle of claim 2, wherein the second communication protocol is one or more of a near field communications (NFC), BLUETOOTH™

, Low Energy (BLE), and radio frequency identification (RFID) protocol and the first communication protocol is a cellular network communication protocol, wherein one or more of the first communication and pre-authorization comprises vehicle information and user information, wherein the vehicle information comprises a vehicle identification number of the vehicle, an electronic serial number associated with the vehicle, and/or an engine code of the vehicle, wherein the first communication enables the server of the selected third party vendor to authenticate the user, wherein the user information comprises biometric information of the user, the biometric information being received by a sensor associated with the vehicle, wherein the biometric information comprises one or more of facial structure, facial recognition information, voiceprint, voice recognition information, eye color, DNA information, and fingerprint information, wherein the selected third party vendor authenticates the user to enable the financial transaction between the selected third party vendor and user using the user information while the vehicle is in motion, and wherein the processor is programmed to initiate automatically, on behalf of the user and subject to the limits, the financial transaction with the selected third party vendor in response to a sensed state or location of the vehicle.

4. The vehicle of claim 2, wherein the second communication protocol is one or more of a near field communications (NFC), BLUETOOTH™

, Low Energy (BLE), and radio frequency identification (RFID) protocol and the first communication protocol is a cellular network communication protocol, wherein one or more of the first communication and pre-authorization comprises vehicle information and user information, wherein the vehicle information comprises a vehicle identification number of the vehicle, an electronic serial number associated with the vehicle, and/or an engine code of the vehicle, wherein the first communication enables the server of the selected third party vendor to authenticate the user, wherein the user is a passenger of the vehicle, wherein the sensor detects a second presence of the passenger in the vehicle, wherein the processor receives the second presence, provides a user interface for the passenger to enter the user information, wherein the user information comprises financial information of the passenger, wherein the financial transaction is initiated by a request from the selected third party vendor, wherein the processor, as part of the request, communicates the user and vehicle information to the selected third party vendor to authenticate the passenger to enable the server of the selected third party vendor to perform the financial transaction with the passenger using the user information, and wherein the processor receives, while the vehicle is in motion, a plurality of transaction options, each transaction option comprising an offer for the user to purchase the product or service;

retrieves user preferences from the memory;

pre-filters, in response to receiving the plurality of transaction options and based on the user preferences, the plurality of transaction options to identify which of the plurality of transaction options to present to the user by a user interface;

renders, in response to identifying a transaction option pre-filtered from the plurality of transaction options to present to the user, by the user interface for display to request authorization input from the user via the user interface to allow a communication to the selected third party vendor associated with the identified transaction option;

receives, via the user interface, a user input associated with the identified transaction option regarding authorization of an associated transaction, the associated transaction being the financial transaction, the authorization input from the user indicating that the user authorizes the communication; and

sends, automatically based on the user input and while the vehicle is in motion, by a secure communication session established between the vehicle and the server of the selected third party vendor, the first communication to the server of the selected third party vendor on behalf of the user.

5. The vehicle of claim 2, wherein the second communication protocol is one or more of a near field communications (NFC), BLUETOOTH™

, Low Energy (BLE), and radio frequency identification (RFID) protocol and the first communication protocol is a cellular network communication protocol, wherein the user rule determines a distance the vehicle can travel to the selected third party vendor, wherein one or more of the first communication and pre-authorization comprises vehicle information and user information, wherein the vehicle information comprises a vehicle identification number of the vehicle, an electronic serial number associated with the vehicle, and/or an engine code of the vehicle, wherein the first communication enables the server of the selected third party vendor to authenticate the user, wherein user information and vehicle information authenticate the user for the order, wherein the user information comprises mobile device information of a device associated with the user, and wherein the mobile device information comprises one or more of the mobile device number, the media access control (MAC) address, and a uniform resource locator (URL).

6. The vehicle of claim 2, wherein the user rule determines a monetary amount the vehicle can pay to the selected third party vendor, wherein the first communication comprises vehicle information and user information, wherein the vehicle information comprises a vehicle identification number of the vehicle, an electronic serial number associated with the vehicle, and/or an engine code of the vehicle, wherein the first communication enables the selected third party vendor to authenticate the user, wherein the user information comprises financial information, biometric information, and/or a PIN, wherein the authorization comprises the financial information of the user, wherein the vehicle uses different communication protocols to provide the vehicle information and financial information, and wherein a first of the different communication protocols is one or more of a near field communications (NFC), BLUETOOTH™

, Low Energy (BLE), and radio frequency identification (RFID) protocol and a second of the different communication protocols is a cellular network communication protocol, wherein the user information is encrypted in the memory, wherein the processor authorizes the financial transaction in response to a plurality of a vehicle location, speed, proximity to a location, preference data and historical information associated with the user, wherein the user information comprises one or more of a biometric, a username, a password, mobile device information, payment information, a personal identification number, identifiers, an address, limits, preferences, and/or rules, wherein the processor, in response to a first event, the first event being a vehicle route, automatically forwards a first portion of a secure communication to the selected third party vendor to preorder a product or service of the selected third party vendor in connection with a transaction with the user, wherein the processor, in response to a later second event, the second event being a vehicle location, automatically completes the transaction by providing financial information to the selected third party vendor, and wherein the limits apply only to the user and the vehicle.

7. The vehicle of claim 6, wherein the user rule allows the processor to bargain automatically with the selected third party vendor, wherein the limits apply only to the user and to two or more vehicles, wherein the user information comprises a triggering event, the triggering event being a weather condition.

8. The vehicle of claim 2, wherein the selected third party vendor also has a vendor rule to govern an interaction with the vehicle, wherein the limits apply only to two or more users and the vehicle, wherein the processor is authorized and programmed to initiate automatically on behalf of the user and without further input from the user the financial transaction with the selected third party vendor, wherein the authorization is restricted temporally or limited to a selected route or spatial location of the vehicle, wherein the user interface receives input from the user in the user interface and further comprising an active or passive payment device positioned on or near an outer surface of the vehicle, the payment device using one or more of near field communications (NFC), BLUETOOTH™

, Low Energy (BLE), and radio frequency identification (RFID) protocol to provide wirelessly financial information of the user to the server of the selected third party vendor.

9. The vehicle of claim 2, wherein the limits are set on the user by a second user and wherein the vehicle further comprises a deployable antenna that one or more of physically contacts a receiving pad of the selected third party vendor as the vehicle is in proximity to the selected third party vendor and communicates with a receiver of the selected third party vendor by a near field communication protocol to provide the financial information to the server of the selected third party vendor.

10. The vehicle of claim 2, wherein the user rule is a time limit to address the need and wherein the limits are on a number of communications that may be completed between the vehicle and the selected third party vendor.

11. A method for communicating information with a vehicle, comprising:

providing a vehicle comprising a memory that stores a data structure comprising a user rule applicable to communications associated with a user in the vehicle and a processor in communication with the memory;

determining, by the processor based on historic user behavior stored in the data structure of the memory and a current state of the vehicle, a need for communication with a third party vendor;

retrieving, by the processor automatically and in response to determining the need for communication with the third party vendor, the user rule from the data structure of the memory, wherein the user rule defines to which third party vendor the vehicle is pre-authorized to send a first communication to address the need, the need relating to a product or service of the third party vendor and wherein the user rule defines a monetary limit the vehicle is pre-authorized to pay to a third party vendor for a product or service to address the need and a time limit the third party vendor is pre-authorized to receive payment for the product or service to address the need;

selecting, by the processor and based on the user rule, a third party vendor from among multiple possible third party vendors, wherein each of the multiple possible third party vendors is capable of providing the product or service to meet the need;

sending, by the processor automatically across a wireless communication network via a first communication protocol and based on the user rule, the first communication to a server of the selected third party vendor to address the need, wherein the first communication is associated with an order for the product or service, wherein the first communication comprises a pre-authorization comprising an incomplete portion of a complete financial information of the user; and

transmitting, by the processor via a second communication protocol different from the first communication protocol, an authorization comprising a remaining portion of the complete financial information of the user to the selected third party vendor to complete the order and a financial transaction for the order.

12. The method of claim 11, wherein the data structure stored in the memory comprises limits on third party vendor communications associated with the user in the vehicle, wherein the limits restrict financial transactions of the user with the multiple possible third party vendors, wherein the limits comprise a limit on a number of financial transactions, and wherein the method further comprises:

determining, by the processor and based on the limits, whether the vehicle is authorized to automatically send the first communication to one of the multiple possible third party vendors, the first communication initiating the financial transaction with the selected third party vendor regarding the order for the product or service;

sending, automatically by the processor when allowed by the limits, the first communication to the server of the selected third party vendor on behalf of the user; and

restricting, automatically by the processor when not allowed by the limits, sending the first communication to the server of the selected third party vendor on behalf of the user.

13. The method of claim 12, wherein the second communication protocol is one or more of a near field communications (NFC), BLUETOOTH™

, Low Energy (BLE), and radio frequency identification (RFID) protocol and the first communication protocol is a cellular network communication protocol, wherein one or more of the first communication and pre-authorization comprises vehicle information and user information, wherein the vehicle information comprises a vehicle identification number of the vehicle, an electronic serial number associated with the vehicle, and/or an engine code of the vehicle, wherein the first communication enables the server of the selected third party vendor to authenticate the user, wherein the user information comprises biometric information of the user, the biometric information being received by a sensor associated with the vehicle, wherein the biometric information comprises one or more of facial structure, facial recognition information, voiceprint, voice recognition information, eye color, DNA information, and fingerprint information, wherein the selected third party vendor authenticates the user to enable the financial transaction between the selected third party vendor and user using the user information while the vehicle is in motion, and wherein the processor is programmed to initiate automatically, on behalf of the user and subject to the limits, the financial transaction with the selected third party vendor in response to a sensed state or location of the vehicle.

14. The method of claim 12, wherein the second communication protocol is one or more of a near field communications (NFC), BLUETOOTH™

, Low Energy (BLE), and radio frequency identification (RFID) protocol and the first communication protocol is a cellular network communication protocol, wherein one or more of the first communication and pre-authorization comprises vehicle information and user information, wherein the vehicle information comprises a vehicle identification number of the vehicle, an electronic serial number associated with the vehicle, and/or an engine code of the vehicle, wherein the first communication enables the server of the selected third party vendor to authenticate the user, wherein the user is a passenger of the vehicle, wherein the sensor detects a second presence of the passenger in the vehicle, wherein the processor receives the second presence, provides a user interface for the passenger to enter the user information, wherein the user information comprises financial information of the passenger, wherein the financial transaction is initiated by a request from the selected third party vendor, wherein the processor, as part of the request, communicates the user and vehicle information to the selected third party vendor to authenticate the passenger to enable the server of the selected third party vendor to perform the financial transaction with the passenger using the user information, and wherein the method further comprises;

receiving, by the processor while the vehicle is in motion, a plurality of transaction options from a plurality of vendors, each transaction option comprising an offer for the user to purchase a product or service;

retrieving, by the processor, user preferences from the memory;

pre-filtering, by the processor in response to receiving the plurality of transaction options and based on the retrieved user preferences, the plurality of transaction options to identify which of the plurality of transaction options to present to the user by a user interface;

rendering, by the processor and in response to identifying a transaction option pre-filtered from the plurality of transaction options to present to the user, by the user interface for display to request authorization input from the user to allow a communication to the selected third party vendor associated with the identified transaction option;

receiving, via the user interface, a user input associated with the identified transaction option regarding authorization of an associated transaction, the associated transaction being the financial transaction, the user input indicating that the user authorizes the communication; and

sending, automatically by the processor based on the user input and while the vehicle is in motion, via a secure communication session established between the vehicle and the server of the selected third party vendor, the first communication to the server of the selected third party vendor on behalf of the user, the first communication enabling the selected third party vendor to complete the associated transaction.

15. The method of claim 12, wherein the second communication protocol is one or more of a near field communications (NFC), BLUETOOTH™

, Low Energy (BLE), and radio frequency identification (RFID) protocol and the first communication protocol is a cellular network communication protocol, wherein the user rule determines a distance the vehicle can travel to the selected third party vendor, wherein one or more of the first communication and pre-authorization comprises vehicle information and user information, wherein the vehicle information comprises a vehicle identification number of the vehicle, an electronic serial number associated with the vehicle, and/or an engine code of the vehicle, wherein the first communication enables the server of the selected third party vendor to authenticate the user, wherein user information and vehicle information authenticate the user for the order, wherein the user information comprises mobile device information of a device associated with the user, and wherein the mobile device information comprises one or more of the mobile device number, the media access control (MAC) address, and a uniform resource locator (URL).

16. The method of claim 12, wherein the user rule determines a monetary amount the vehicle can pay to the selected third party vendor, wherein the first communication comprises vehicle information and user information, wherein the vehicle information comprises a vehicle identification number of the vehicle, an electronic serial number associated with the vehicle, and/or an engine code of the vehicle, wherein the first communication enables the selected third party vendor to authenticate the user, wherein the user information comprises financial information, biometric information, and/or a PIN, wherein the authorization comprises the financial information of the user, wherein the vehicle uses different communication protocols to provide the vehicle information and financial information, and wherein a first of the different communication protocols is one or more of a near field communications (NFC), BLUETOOTH™

, Low Energy (BLE), and radio frequency identification (RFID) protocol and a second of the different communication protocols is a cellular network communication protocol, wherein the user information is encrypted in the memory, wherein the processor authorizes the financial transaction in response to a plurality of a vehicle location, speed, proximity to a location, preference data and historical information associated with the user, wherein the user information comprises one or more of a biometric, a username, a password, mobile device information, payment information, a personal identification number, identifiers, an address, limits, preferences, and/or rules, wherein the processor, in response to a first event, the first event being a vehicle route, automatically forwards a first portion of a secure communication to the selected third party vendor to preorder a product or service of the selected third party vendor in connection with a transaction with the user, wherein the processor, in response to a later second event, the second event being a vehicle location, automatically completes the transaction by providing financial information to the selected third party vendor, and wherein the limits apply only to the user and the vehicle.

17. The method of claim 16, wherein the user rule allows the processor to bargain automatically with the selected third party vendor, wherein the limits apply only to the user and to two or more vehicles, wherein the user information comprises a triggering event, the triggering event being a weather condition, and wherein the processor provides to the selected third party vendor, by the first communication protocol, the order of a product or service and by the different second protocol, financial information of the user.

18. The method of claim 12, wherein the selected third party vendor also has a vendor rule to govern an interaction with the vehicle, wherein the limits apply only to two or more users and the vehicle, wherein the processor is authorized and programmed to initiate automatically on behalf of the user and without further input from the user the financial transaction with the selected third party vendor, wherein the authorization is restricted temporally or limited to a selected route or spatial location of the vehicle, wherein the user interface receives input from the user in the user interface and wherein the vehicle further comprises an active or passive payment device positioned on or near an outer surface of the vehicle, the payment device using one or more of near field communications (NFC), BLUETOOTH™

, Low Energy (BLE), and radio frequency identification (RFID) protocol to provide wirelessly financial information of the user to the server of the selected third party vendor.

19. The method of claim 12, wherein the limits are set on the user by a second user and wherein the vehicle further comprises a deployable antenna that one or more of physically contacts a receiving pad of the selected third party vendor as the vehicle is in proximity to the selected third party vendor and communicates with a receiver of the selected third party vendor by a near field communication protocol to provide the financial information to the server of the selected third party vendor.

20. A vehicle, comprising:

a memory that stores a data structure comprising a user rule applicable to third party vendor communications associated with a user in the vehicle; and

a processor in communication with the memory, wherein the processor;

determines, based on historic user behavior stored in the data structure of the memory and a current state of the vehicle, a need for communication with a third party vendor;

retrieves, automatically and in response to determining the need for communication with the third party vendor, the user rule from the data structure of the memory, wherein the user rule defines to which third party vendor the vehicle is pre-authorized to send a first communication to address the need, the need relating to a product or service of the third party vendor, and wherein the user rule defines a monetary limit the vehicle is pre-authorized to pay to a third party vendor for a product or service to address the need and a time limit the third party vendor is pre-authorized to receive payment for the product or service to address the need;

selects, based on the user rule, a third party vendor from among multiple possible third party vendors, wherein each of the multiple possible third party vendors is capable of providing the product or service to meet the need;

sends, automatically across a wireless communication network via a first communication protocol and based on the user rule, the first communication to a server of the selected third party vendor to address the need, wherein the first communication is associated with an order for the product or service, wherein the first communication comprises a pre-authorization comprising an incomplete portion of a complete financial information of the user; and

transmits, via a second communication protocol different from the first communication protocol, an authorization comprising a remaining portion of the complete financial information of the user to the selected third party vendor to complete the order and a transaction for the order, and wherein the second communication protocol is one or more of a near field communications (NFC), BLUETOOTH™

, Low Energy (BLE), and radio frequency identification (RFID) protocol and the first communication protocol is a cellular network communication protocol.