Vehicular-based transactions, systems and methods
First Claim
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.
1 Assignment
0 Petitions
Accused Products
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.
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Citations
23 Claims
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1. An integrated vehicle-based system for authenticating a user'"'"'s identity and conducting a money transfer transaction, the system comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method for authenticating a user'"'"'s identity using integrated vehicle systems, the method comprising:
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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. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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20. A vehicle-based system for determining a user'"'"'s identity to complete a wireless money transfer transaction from a vehicle, the system comprising:
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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. - View Dependent Claims (21, 22, 23)
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Specification