Authentication using vehicle data pairing

• US 9,215,590 B2
• Filed: 10/11/2012
• Issued: 12/15/2015
• Est. Priority Date: 04/20/2012
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Bondesen, Laura C., Jones, Alicia C., McCoy, David C., Abraham, Shaun J.
• Primary Examiner(s): WEST, LEWIS G
• Application Number:
  US13/649,361
• Publication Number:
  US 20130281017A1
• Time in Patent Office: 1,160 Days
• Field of Search: 455/41.2, 455/41.3, 455/344, 455/410, 455/411
• US Class Current: 1/1
• CPC Class Codes: H04L 63/0884 by delegation of authentication, e.g. a proxy authenticates an entity to be authenticated on behalf of this entity vis-à-vis an authentication entity
• CPC Class Codes: H04L 67/12 specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
• CPC Class Codes: H04W 12/069 using certificates or pre-shared keys
• CPC Class Codes: H04W 4/024 Guidance services
• CPC Class Codes: H04W 4/21 for social networking applications
• CPC Class Codes: H04W 4/48 for in-vehicle communication
• 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

Abstract

Various examples are disclosed of how to leverage technology in a vehicle to provide various services in a convenient manner. For example, the pairing of the portable device with the on-board computer of the vehicle may be utilized as a level of authorization to provide certain services in a more automated and/or convenient way to the vehicle driver or other occupant of the vehicle, such as by authenticating wireless transactions with entities external to the vehicle using device pairing technology, and by modifying vehicle navigation routes to include suggested nearby points of interest that may be determined to be of particular value to a vehicle occupant.

Claims

1. A method, comprising:

wirelessly pairing a portable electronic device with an on-board computer of a vehicle;

wirelessly conducting a transaction between the portable electronic device and a third party wherein the third party is located external to the vehicle; and

authenticating the transaction with the third party based on the level of trust established by the pairing of the portable electronic device with the on-board computer of the vehicle.

2. The method of claim 1, wherein said third party comprises a service provider.

3. The method of claim 1, further comprising generating the authentication with the third party based on pairing information provided by each of the portable electronic device and the on-board computer.

4. The method of claim 1, wherein said wirelessly conducting the transaction comprises conducting the transaction with the third party using a near-field communication (NFC) wireless interface.

5. A non-transitory computer-readable data storage device storing computer-executable instructions for a portable electronic device to:

wirelessly pair the user'"'"'s portable electronic device with an on-board computer of a vehicle;

wirelessly conduct a transaction by the user using the portable electronic device and a third party, wherein the third party is located external to the vehicle; and

authenticating the transaction between the user and the third party based on the level of trust established by the pairing of the portable electronic device with the on-board computer of the vehicle.

6. The non-transitory computer readable data storage device of claim 5, wherein the authenticated transaction with the third party comprises an authenticated transaction with a retailer.

7. The non-transitory computer-readable data storage device of claim 5, wherein the computer executable instructions further generates the authentication information with the third party based on pairing information provided by each of the portable electronic device and the on-board computer.

8. The non-transitory computer-readable data storage device of claim 5, wherein said wirelessly conducting the transaction comprises conducting the transaction with a device of the third party using a near-field communication (NFC) wireless interface.

9. A non-transitory computer-readable data storage device storing computer-executable instructions for an on-board computer of a vehicle to:

wirelessly pair a user'"'"'s portable electronic device with an on-board computer of the vehicle;

wirelessly conduct a transaction by the user using the portable electronic device and a third party, wherein the third party is located external to the vehicle; and

authenticate the transaction between the user and the third party based on the level of trust established by the pairing of the portable electronic device with the on-board computer of the vehicle.

10. The non-transitory computer-readable storage device of claim 9, wherein the authenticate transaction with the third party comprises an authenticated transaction with a retailer.

11. The non-transitory computer-readable data storage device of claim 9 wherein the computer executable instructions further generates the authentication information with the third party based on pairing information provided by each of the portable electronic device and the on-board computer.

12. The non-transitory computer-readable data storage device of claim 9, wherein said wirelessly conducting the transaction comprises conducting the transaction with a device of the third party using a near-field communication (NFC) wireless interface.