Secure communications with sensitive user information through a vehicle

  • US 10,388,081 B2
  • Filed: 12/31/2016
  • Issued: 08/20/2019
  • Est. Priority Date: 07/07/2016
  • Status: Active Grant
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First Claim
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1. A vehicle, comprising:

  • a memory to;

    store user information associated with a user in the vehicle;

    store vehicle information associated with the vehicle, wherein the vehicle information comprises at least one of a vehicle identification number of the vehicle, an electronic serial number associated with the vehicle, and an engine code of the vehicle;

    a processor in communication with the memory, the processor configured to;

    determine that the user desires to interact with a third party;

    retrieve the user information from the memory;

    retrieve the vehicle information from the memory;

    combine the user information and the vehicle information into a first communication for the third party; and

    automatically send the first communication to the third party for the user to authenticate the user to the third party,wherein the third party is a vendor,wherein the user is a passenger of the vehicle, wherein a first sensor detects a presence of the passenger in the vehicle, wherein the processor receives the presence and provides a user interface for the passenger to enter the user information, andwherein, while the vehicle is in motion, the processor;

    receives a plurality of transaction options from a plurality of vendors, each transaction option comprising an offer for the user to purchase a good or service;

    retrieves user preferences from the memory;

    in response to the transaction options and based on the user preferences, pre-filters the plurality of transaction options to identify which of the plurality of transaction options to present to the user by the user interface;

    in response to identifying a transaction option to present to the user, renders the user interface for a display to request authorization from the user to allow a financial transaction for the user to purchase the good or service from the vendor associated with the identified transaction option, wherein the user interface is rendered for the display such that the display displays a plurality of time periods for which the financial transaction is authorized;

    receives user input associated with the identified transaction option regarding the authorization of the financial transaction to purchase the good or service, the user input indicating that the user authorizes the financial transaction for a selected time period of the plurality of time periods;

    in response to the user input, renders the user interface for the display such that the display continuously displays a remaining amount of time in the selected time period; and

    based on the user input and while the vehicle is in motion, automatically sends, by a secure session, the authorization to the vendor on behalf of the user, the authorization enabling the vendor to complete the financial transaction using the first communication.

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