Device enabled identification and authentication

• US 10,339,521 B1
• Filed: 04/26/2016
• Issued: 07/02/2019
• Est. Priority Date: 04/26/2016
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Bodkin, Joseph, Cronin, John Edward
• Primary Examiner(s): Goyea, Olusegun
• Application Number:
  US15/138,579
• Time in Patent Office: 1,162 Days
• Field of Search: 705 21, 705 35, 705 41, 705 43, 705 39, 705 44, 715738, 715769
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/3676 Balancing accounts

Abstract

Systems and methods that facilitate performing multiple transactions at once using a vehicle based wallet are disclosed herein. The vehicle based wallet can link to a plurality of mobile wallets and perform singular transactions with ATMs and POS machines, the singular transactions being a group transaction associated with one or more of the mobile wallets. The vehicle based wallet can collect intended transactions between the ATMs and the POS machines and the mobile wallets, and then gather them together and perform a single group transaction made up of the individual transactions for multiple people that are within the vehicle.

Claims

1. A vehicle based wallet system, comprising:

a memory to store computer-executable instructions; and

a processor, coupled to the memory, to facilitate execution of the computer-executable instructions to perform operations, comprising;

receiving wallet registration data from a plurality of mobile devices, wherein the wallet registration data includes financial account data and security data;

verifying the wallet registration data for the plurality of mobile devices;

compiling transaction data associated with a set of transactions from the plurality of mobile devices;

transmitting the transaction data to a financial transaction device; and

adjusting a vehicle wallet balance in response to receiving a notification that the financial transaction device has processed the set of transactions associated with the transaction data, wherein adjusting the vehicle wallet balance comprises adjusting a set of wallets associated with each of the plurality of mobile devices,

wherein the financial transaction device processes pending transactions without having to finish a transaction presently being executed and simultaneously prompts users to begin additional transactions.

2. The vehicle based wallet system of claim 1, wherein the operations further comprise:

verifying a connection between the vehicle based wallet system and the financial transaction device.

3. The vehicle based wallet system of claim 2, wherein the verifying the connection between the vehicle based wallet system and the financial transaction device comprises matching a location of a vehicle associated with the vehicle based wallet system to another location associated with the financial transaction device.

4. The vehicle based wallet system of claim 2, wherein the verifying the connection between the vehicle based wallet system and the financial transaction device comprises verifying that a code received via a graphical user interface matches a code received via the financial transaction device.

5. The vehicle based wallet system of claim 1, wherein the verifying the wallet registration data for the plurality of mobile devices comprises matching a location of a vehicle associated with the vehicle based wallet system to locations associated with the plurality of mobile devices.

6. The vehicle based wallet system of claim 1, wherein the transmitting the transaction data to the financial transaction device via at least one of a Wi-Fi connection, a Bluetooth connection, a near field connection, a cellular connection, or a Zigbee connection.

7. The vehicle based wallet system of claim 1, wherein the financial transaction device is an automated telling machine, and the set of transactions are at least one of account withdrawals or account deposits.

8. The vehicle based wallet system of claim 7, wherein the operations further comprise:

proportioning the account withdrawal or the account deposit between wallets associated with the plurality of mobile device according to a predetermined criterion.

9. The vehicle based wallet system of claim 8, wherein the predetermined criterion is based on the transaction data associated with the set of transactions.

10. The vehicle based wallet system of claim 1, wherein the financial transaction device is a point of sale device, and the set of transactions are purchase transactions.

11. The vehicle based wallet system of claim 10, wherein the set of transactions collectively result in a single transaction with the point of sale device.

12. A method, comprising:

registering, by a device comprising a processor, a set of mobile wallets with a vehicle based wallet, wherein the registering comprises collecting financial account data and security data associated with the set of mobile wallets, and wherein the set of mobile wallets are associated with a set of corresponding mobile devices;

verifying the set of mobile wallets by matching a location of the set of mobile devices to a location of the of the vehicle based wallet;

collecting transaction data associated with a set of transactions from the mobile wallets;

transmitting the transaction data to a financial transaction device, wherein the financial transaction device is an automatic teller machine (ATM) or a point of sale (POS) system;

adjusting a balance of the vehicle based wallet in response to receiving a notification that the financial transaction device has processed the set of transactions associated with the transaction data; and

adjusting a balance of the set of mobile wallets in response to adjusting the balance of the vehicle based wallet, wherein the set of mobile wallets are adjusted proportionally based on a predetermined arrangement between the mobile wallets,

wherein transactions take the form of point of sale transactions and ATM deposits and withdrawals,

wherein the vehicle based wallet can send the transactions of multiple users to a single financial transaction device in order to complete multiple user transactions at once.

13. The method of claim 12, further comprising:

verifying a connection between the vehicle based wallet system and the financial transaction device.

14. The method of claim 13, wherein the verifying the connection between the vehicle based wallet system and the financial transaction device comprises matching a location of a vehicle associated with the vehicle based wallet system to another location associated with the financial transaction device.

15. The method of claim 12, wherein adjusting the balance of the set of mobile wallets further comprises at least one of crediting or debiting the balance of the set of mobile wallets based on the type of transaction.

16. The method of claim 13, wherein the verifying the connection between the vehicle based wallet system and the financial transaction device comprises verifying that a code received via a graphical user interface matches a code received via the financial transaction device.

20. The method of claim 12, wherein verifying the set of mobile wallets by matching a location of the set of mobile devices to a location of the of the vehicle based wallet is accomplished using GPS.

17. A non-transitory computer-readable storage device configured to store instructions, that when executed by a processor perform operations, comprising:

receiving wallet registration data from a plurality of mobile devices, wherein the wallet registration data includes financial account data and security data;

verifying the wallet registration data for the plurality of mobile devices by matching locations associated with the plurality of mobile devices to a location associated with a vehicle based wallet device;

compiling transaction data associated with a set of transactions from the plurality of mobile devices;

transmitting the transaction data to a financial transaction device in response to verifying connection between the vehicle based wallet device and the financial transaction device by matching the location of the vehicle based wallet device to a second location associated with the financial institution device; and

adjusting a vehicle wallet balance associated with the vehicle based wallet device in response to receiving a notification that the financial transaction device has processed the set of transactions associated with the transaction data, wherein adjusting the vehicle wallet balance comprises adjusting a set of wallets associated with each of the plurality of mobile devices,

wherein the financial transaction device processes pending transactions without having to finish a transaction presently being executed and simultaneously prompts users to begin additional transactions.

18. The non-transitory computer-readable storage device of claim 17, wherein the financial institution device is at least one of an automated teller machine device or a point of sale device.

19. The non-transitory computer-readable storage device of claim 17, wherein verifying the connection between the vehicle based wallet device and the financial transaction device comprises verifying that a code received via a graphical user interface on the vehicle based wallet device matches a code received via the financial transaction device.