System and method for associating user and vehicle information for communication to a third party

  • US 10,685,503 B2
  • Filed: 12/31/2016
  • Issued: 06/16/2020
  • Est. Priority Date: 07/07/2016
  • Status: Active Grant
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First Claim
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1. A vehicle, comprising:

  • a sensor that detects a first presence of a driver in a vehicle;

    a memory that stores first sensitive information of the driver of the vehicle; and

    a processor in communication with the sensor and the memory, the processor;

    receives the first presence;

    based upon receiving the first presence, provides a first user interface for the driver to enter first user information, the first user information comprising financial information of the driver and one or more of a biometric, a username, a password, mobile device information, payment information, a personal identification number, identifiers, an address, limits, preferences, and/or rules;

    receives vehicle information associated with the vehicle;

    combines the first user information and the vehicle information to generate a first sensitive information;

    sends the first sensitive information to the memory for storage, wherein the first sensitive information is encrypted in the memory; and

    communicates the first sensitive information to a vendor to authenticate the driver to enable the vendor to perform a financial transaction with the driver using the first sensitive information while the vehicle is in motion, wherein the processor is programmed to initiate automatically, on behalf of the driver, the financial transaction with the vendor in response to a sensed state or location of the vehicle, and wherein the processor authorizes the financial transaction with the vendor in response to a plurality of vehicle speed, proximity to a location of the vendor, and historical information associated with the driver or passenger.

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