VEHICULAR-BASED TRANSACTIONS, SYSTEMS AND METHODS

• US 20110231310A1
• Filed: 03/18/2010
• Published: 09/22/2011
• Est. Priority Date: 03/18/2010
• Status: Active Grant

• Current Assignee: Western Union
• Original Assignee: Western Union
• Inventors: Lyons, Dianna, Roberts, Melanie
• Granted Patent: US 8,407,144 B2
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06F 21/316 by observing the pattern of computer usage, e.g. typical user behaviour
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/40 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
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• 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 9/3231 Biological data, e.g. fingerprint, voice or retina network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861

Abstract

Various systems and methods are described for conducting and staging money transfer transactions from a vehicle. The systems and methods may include using a wireless transmitter on board the vehicle for wirelessly communicating with a money transfer system. Also, a user-input device integrated with the vehicle'"'"'s navigation system, entertainment system, and/or climate system may be used. Using the wireless transmitter, the user-input device may interface with the money transfer system. Also, one or more identity authentication devices may be integrated with the vehicle that collect information to authenticate a user'"'"'s identity.

Claims

1. An integrated vehicle-based system for authenticating a user'"'"'s identity and conducting a money transfer transaction, the system comprising:

a vehicle, the vehicle comprising an on-board electronic system;

a wireless transmitter on board the vehicle for remotely communicating with a money transfer system;

a user-input device integrated with the on-board electronic system, wherein the user-input device interfaces with the money transfer system using the wireless transmitter; and

a first identity authentication device integrated with the vehicle that collects information confirming the user'"'"'s identity, wherein the money transfer transaction is conducted from the vehicle using the wireless transmitter, the user-input device and the first identity authentication device.

2. The system of claim 1, wherein the money transfer transaction is a bill payment transaction.

3. The system of claim 1, wherein the user-input device is configured to receive a username from the user.

4. The system of claim 3, wherein the user-input device is configured to receive a password from the user.

5. The system of claim 1, wherein the first identify authentication device comprises a camera, the camera being configured to capture an image of the user and transmit the image to the money transfer system.

6. The system of claim 4, wherein the user-input device is configured to receive the password from the user via a control knob of the vehicle,

the volume control knob is controlled by a user rotating the knob clockwise and counterclockwise to input the password, and

the password is a series of numbers.

7. The system of claim 1, wherein the first identify authentication device integrated with the vehicle is configured to receive voiceprint information from a user.

8. The system of claim 1, wherein the user-input device is configured to allow a user to talk with a representative of the money transfer system.

9. The system of claim 1 further comprising a second identity authentication device capable of collecting information to further assist in confirming the user'"'"'s identity.

10. The system of claim 9, wherein the second identity authentication device is integrated with the driver'"'"'s seat and measures the user'"'"'s weight.

11. The system of claim 10, wherein the second identity authentication device is further configured to determine the position of the driver'"'"'s seat.

12. The system of claim 9, wherein the second identity authentication device is a sensing device that determines whether a key is present and is linked to the user'"'"'s identity.

13. The method of claim 9, wherein the second identity authentication device comprises a computer-readable storage device, the computer readable storage device storing data identifying an owner of the vehicle.

14. A method for authenticating a user'"'"'s identity using integrated vehicle systems, the method comprising:

providing a vehicle with integrated information gathering systems;

receiving, by an input system of the vehicle, a request to conduct a money transfer transaction from a user;

performing a first authentication, using a first identity-authentication system, of the user'"'"'s identity;

performing a second authentication, using a second identity-authentication system, of the user'"'"'s identity;

transmitting, to a host computer system linked to a money transfer provider from the vehicle, at least some of the information gathered from the first identity-authentication system and at least some of the information gathered from the second identity-authentication system;

receiving a response from the host computer system linked to the money transfer provider indicating that the user'"'"'s identity has been authenticated; and

conducting at least a first portion of the money transfer transaction by the user from the vehicle.

15. The method of claim 14, further comprising informing the user a location of at least one agent location close to the vehicle'"'"'s location.

16. The method of claim 14, further comprising, before receiving the request to conduct the money transfer transaction, receiving, at the vehicle, a reminder of a bill payment due.

17. The method of claim 14, wherein the input system of the vehicle comprises a microphone and speaker, wherein the request to conduct a money transfer transaction comprises oral communication via the microphone and speaker with a customer service representative of the money transfer provider.

18. The method of claim 14, wherein confirming the user'"'"'s identity using the first identity-authentication system comprises a collection of a voiceprint from the user.

19. The method of claim 18, further comprising comparing the voiceprint of the user to a stored voiceprint.

20. The method of claim 14, further comprising:

receiving, via the wireless transmitter, a transaction identifier of the money transfer transaction; and

presenting, at an agent location of the money transfer provider, the transaction identifier, wherein the presentation comprises a second portion of the money transfer transaction.

21. A vehicle-based system for determining a user'"'"'s identity to complete a wireless money transfer transaction from a vehicle, the system comprising:

a user-input system;

a first user-identification system integrated with the vehicle'"'"'s driver seat;

a second user identification system integrated with the vehicle'"'"'s sound system, wherein the second user identification system can produce auditory messages through the sound system'"'"'s speakers and receive voiceprint data through a microphone;

a wireless transmitter that communicates with a money transfer service provider via a wireless network;

a controller system, where the controller system transmits at least some information from the first user-identification system and the second user-identification system to the money transfer service provider using the wireless transmitter.

22. The system of claim 21 wherein the money transfer transaction is a bill payment transaction.

23. The system of claim 21 wherein the first user-identification system measures a user'"'"'s weight.

24. The system of claim 21 further comprising a third user identification system comprising a camera that takes an image of the user, wherein the controller system transmits at least some portion of the image via the wireless transmitter to the money transfer service provider.