Systems and methods for transaction pre-fetching, processing and provisioning through smart vehicle electronic system and back-end cloud infrastructure

• US 10,664,813 B2
• Filed: 11/26/2014
• Issued: 05/26/2020
• Est. Priority Date: 07/14/2014
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Kursun, Eren, Lee, Sih
• Primary Examiner(s): Khattar, Rajesh
• Application Number:
  US14/555,021
• Publication Number:
  US 20160012403A1
• Time in Patent Office: 2,008 Days
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of 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 20/4016 involving fraud or risk level assessment in transaction processing

Abstract

Systems and methods for transaction pre-fetching, processing and provisioning through smart vehicle electronic system and back-end cloud infrastructure are disclosed. In one embodiment, a method for partitioning a transaction to be performed using a plurality of resources may include (1) a decision engine computer processor receiving a transaction request; (2) the decision engine computer processor identifying a first portion of the transaction request to be performed using a first resource and a second portion of the request required to be performed using a second resource; (3) the decision engine computer processor retrieving capability information for the first resource and the second resource; and (4) the decision engine computer processor allocating a first portion of the transaction request to the first resource, and a second portion of the transaction request to the second resource, based on the first required portion, the second required portion, and the capability information.

Claims

1. A system for transaction pre-fetching and provisioning, comprising:

a vehicle comprising;

a plurality of vehicle sensors each sensing a physical characteristic of a user;

at least one input device for receiving a transaction request, the transaction request comprising an authentication portion to be completed using at least one vehicle computer processor, and a transaction portion to be completed using a remote resource; and

a vehicle communication interface;

wherein the at least one vehicle computer processor authenticates a user to conduct the transaction portion based on the physical characteristics sensed by the vehicle sensors by comparing the sensed physical characteristics to stored physical characteristics in a user profile;

a plurality of remote resources for performing the transaction portion; and

a decision engine that is remote from the vehicle comprising at least one computer processor in communication with the vehicle communication interface and the plurality of remote resources that;

receives vehicle location data for the vehicle;

receives the transaction request;

identifies the authentication portion and the transaction portion;

receives remote resource availability data regarding the availability of each of the plurality of remote resources wherein the remote resource availability comprises queue length or predicted wait time;

directs the at least one vehicle computer processor to perform the authentication portion using the sensed physical characteristics; and

in response to the authentication;

selects one of the plurality of remote resources based on the vehicle location, remote resource availability data, a characteristic of the transaction portion, and a past selection of one of the plurality of remote resources by the user;

communicates the transaction portion to the selected remote resource; and

communicates the selection of the remote resource and location information for the remote resource to the at least one vehicle computer processor, wherein the communication of the location causes a vehicle navigation system to present directions to the location on a display.

2. The system of claim 1, wherein the plurality of vehicle sensors are selected from the group consisting of a camera, a microphone, a weight sensor, a fingerprint sensor, a pressure sensor, a motion sensors, and an input device.

3. The system of claim 1, wherein the remote resources comprises a financial resource including one of an automated teller machine, a banking kiosk, a drive-through banking resource, and a branch facility.

4. The system of claim 1, further comprising a mobile electronic device in communication with at least one of the vehicle computer processor and the decision engine, wherein the mobile electronic device comprises at least one mobile electronic device sensor for sensing a characteristic of the user, and wherein the at least one vehicle computer processor authenticates a user based on the characteristics detected by the vehicle sensors and the mobile electronic device sensor.

5. A method for partitioning a transaction to be performed using a plurality of resources, comprising:

in an information processing apparatus comprising at least one computer processor;

receiving a transaction request comprising an authentication portion and a transaction portion from a vehicle computer processor in a vehicle;

identifying the authentication portion and the transaction portion;

receiving a location of the vehicle from the vehicle computer processor;

receiving remote resource availability data regarding the availability of each of the plurality of remote resources wherein the remote resource availability comprises queue length or predicted wait time directing the vehicle computer processor to perform the authentication portion to authenticate a user to conduct the transaction portion;

selecting one of a plurality of remote resources based on the vehicle location, remote resource availability data, a characteristic of the transaction portion, and a past selection of one of the plurality of remote resources by the user;

communicating the transaction portion to the selected remote resource; and

communicating the selection of the remote resource and location information for the remote resource to the at least one vehicle computer processor, wherein the communication of the location causes a vehicle navigation system to present directions to the location on a display;

wherein the information processing apparatus is remote from the vehicle.

6. The method of claim 5, wherein the vehicle further comprises a plurality of vehicle sensors, and each vehicle sensor detects a characteristic of the user.

7. The method of claim 6, wherein the vehicle computer processor authenticates the user based on the detected characteristics.

8. The method of claim 5, wherein the second resource comprises one of an automated teller machine, a banking kiosk, a drive-through banking resource, and a branch facility.

9. The method of claim 5, wherein the at least one decision engine computer processor further receives traffic data and selects the resource to perform the transaction portion based on the traffic data.

10. The method of claim 5, wherein the at least one decision engine computer processor further receives event data.

11. The method of claim 5, wherein the at least one decision engine computer processor further receives weather data and selects the resource to perform the transaction portion based on the weather data.

12. The method of claim 11, wherein the weather data is for a location of the vehicle.

13. The method of claim 11, wherein the weather data is for a location of each of the plurality of resources.

14. The method of claim 5, further comprising:

retrieving capability information for a plurality of resources for conducting the transaction portion;

wherein the remote resource to perform the transaction is further selected based on the capability information for the plurality of remote resources.