Vehicular-based transactions, systems and methods

• US 8,407,144 B2
• Filed: 03/18/2010
• Issued: 03/26/2013
• Est. Priority Date: 03/18/2010
• Status: Active Grant

• Current Assignee: Western Union
• Original Assignee: Western Union
• Inventors: Roberts, Melanie, Lyons, Dianna
• Primary Examiner(s): JOHNSON, GREGORY L
• Application Number:
  US12/727,079
• Publication Number:
  US 20110231310A1
• Time in Patent Office: 1,104 Days
• Field of Search: 705/38, 705/39, 705/40
• 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 is configured to interface with the money transfer system using the wireless transmitter; and

a first identity authentication device and a second identity authentication device integrated with the vehicle that are each configured to collect information for confirming the user'"'"'s identity, wherein;

the first identity authentication device comprises a camera, the camera being configured to capture an image of the user and cause the image to be transmitted to the money transfer system via the wireless transmitter for comparison to a stored image of the user stored by the money transfer system;

the second identity authentication device is integrated with the user'"'"'s seat, and is configured to measure the user'"'"'s weight and cause the user'"'"'s weight to be transmitted to the money transfer system via the wireless transmitter for comparison to a stored weight of the user; and

the money transfer transaction is configured to be conducted from the vehicle using the wireless transmitter and the user-input device following successful authentication by the money transfer system using the image of the user from the first identity authentication device and the user'"'"'s weight from the second 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 4, wherein the user-input device is configured to receive the password from the user via a control knob of the vehicle, the 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.

6. 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.

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

8. The system of claim 7, wherein the third identity authentication device is further configured to determine the position of the user'"'"'s seat.

9. The system of claim 1, further comprising a third identity authentication device that is a sensing device configured to determine whether a key is present and is linked to the user'"'"'s identity.

10. The method of claim 1, wherein the first identity authentication device comprises a computer-readable storage device, the computer readable storage device configured to store the stored image of the user.

11. The system of claim 1, wherein the camera of the first authentication device is configured such that the camera cannot be pointed in the direction of the driver'"'"'s seat.

12. 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, wherein;

the first identity-authentication system comprises a camera,

performing the first authentication includes;

the camera being used to capture an image of the user; and

comparing a locally-stored image of the user with the captured image; and

transmitting to a host computer system of a money transfer provider the image of the user;

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

performing the second authentication includes;

measuring the user'"'"'s weight using a device integrated with the user'"'"'s seat; and

transmitting the user'"'"'s weight to the host computer system of the money transfer provider for comparison to a stored weight of the user stored by the host computer system of the money transfer service provider;

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

after receiving the response from the host computer system, conducting at least a first portion of the money transfer transaction by the user from the vehicle.

13. The method of claim 12, further comprising informing the user of a location of at least one agent location close to the vehicle'"'"'s location.

14. The method of claim 12, further comprising, before receiving the request to conduct the money transfer transaction, receiving, at the vehicle, a reminder of a bill payment due.

15. The method of claim 12, 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.

16. The method of claim 12, wherein confirming authenticating the user'"'"'s identity using a third identity-authentication system comprises a collection of a voiceprint from the user.

17. The method of claim 16, further comprising comparing the voiceprint of the user to a stored voiceprint.

18. The method of claim 12, 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.

19. The method of claim 12, wherein the camera is configured such that the camera cannot be pointed in the direction of the driver'"'"'s seat.

20. 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-authentication system integrated with the vehicle'"'"'s driver seat, wherein

the first user-authentication system is configured to measure a weight of the user;

a second user identification system integrated with the vehicle'"'"'s sound system, wherein

the second user identification system is configured to;

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 is configured to;

cause the measured weight of the user to be transmitted to a host computer system of a money transfer service provider via the wireless transmitter for comparison with a stored weight of the user; and

cause voiceprint data to be transmitted via the wireless transmitter to the host computer system of the money transfer service provider for comparison with stored voiceprint data corresponding to the user.

21. The system of claim 20 wherein the money transfer transaction is a bill payment transaction.

22. The system of claim 20 further comprising a third user-authentication 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.

23. The system of claim 22, wherein the camera of the third user-authentication system is configured such that the camera cannot be pointed in the direction of the driver'"'"'s seat.