System for communicable integration of an automobile system and a drive-through system

• US 10,685,569 B2
• Filed: 03/02/2018
• Issued: 06/16/2020
• Est. Priority Date: 11/22/2017
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Nelson, Mark Allan, MacQueen, Karen Lea, Tajpuria, Ashish B., Twombly, Steven Michael, England, Tony
• Primary Examiner(s): Divito, Walter J
• Application Number:
  US15/910,188
• Publication Number:
  US 20190158646A1
• Time in Patent Office: 837 Days
• CPC Class Codes: B62D 15/0285 Parking performed automatically
• CPC Class Codes: G01C 21/3461 Preferred or disfavoured areas, e.g. dangerous zones, toll or emission zones, intersections, manoeuvre types, segments such as motorways, toll roads, ferries
• CPC Class Codes: G01C 21/3469 Fuel consumption; Energy use; Emission aspects
• CPC Class Codes: G01C 21/3484 Personalized, e.g. from learned user behaviour or user-defined profiles
• CPC Class Codes: G01C 21/3492 employing speed data or traffic data, e.g. real-time or historical traffic control systems for road vehicles involving transmission of navigation instructions to the vehicle G08G1/0968
• CPC Class Codes: G01C 21/3617 using user history, behaviour, conditions or preferences, e.g. predicted or inferred from previous use or current movement
• CPC Class Codes: G01C 21/362 received from an external device or application, e.g. PDA, mobile phone or calendar application
• CPC Class Codes: G01C 21/3685 the POI's being parking facilities
• CPC Class Codes: G01S 19/51 Relative positioning
• CPC Class Codes: G05D 23/1917 using digital means
• CPC Class Codes: G06F 16/29 Geographical information databases
• CPC Class Codes: G06F 16/9537 Spatial or temporal dependent retrieval, e.g. spatiotemporal queries
• CPC Class Codes: G06Q 10/0834 Choice of carriers
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 2240/00 Transportation facility access, e.g. fares, tolls or parking
• CPC Class Codes: G06Q 30/0611 Request for offers or quotes
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• CPC Class Codes: G06Q 30/0635 Processing of requisition or of purchase orders
• CPC Class Codes: G07B 15/02 : taking into account a variable factor such as distance or time, e.g. for passenger transport, parking systems or car rental systems G07B15/06 takes precedence; taximeters G07B13/00; parking meters per se G07F17/24; car rental systems per se G07B15/00
• CPC Class Codes: G07B 15/063 : using wireless information transmission between the vehicle and a fixed station identification of vehicles G08G
• CPC Class Codes: G08G 1/143 : inside the vehicles
• CPC Class Codes: G08G 1/144 : on portable or mobile units, e.g. personal digital assistant [PDA]
• CPC Class Codes: G08G 1/148 : Management of a network of parking areas
• CPC Class Codes: H04L 65/40 : Support for services or applications
• 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: H04L 67/125 : involving control of end-device applications over a network
• CPC Class Codes: H04L 67/52 : specially adapted for the location of the user terminal
• CPC Class Codes: H04L 67/53 : using third party service providers
• CPC Class Codes: H04L 67/535 : Tracking the activity of the user network monitoring arrangements H04L43/00; recording of computer activity G06F11/34
• CPC Class Codes: H04M 1/6091 : including a wireless interface
• CPC Class Codes: H04M 1/72457 : according to geographic location
• CPC Class Codes: H04W 4/02 : Services making use of location information
• CPC Class Codes: H04W 64/006 : with additional information processing, e.g. for direction or speed determination
• CPC Class Codes: H04W 72/04 : Wireless resource allocation
• CPC Class Codes: H04W 76/10 : Connection setup

Abstract

Embodiments of the present invention provide a system for transferring one or more resources associated with an interaction via an automobile. The system is typically configured for receiving an input from a user, via one or components of an automobile, to identify one or more third party entities associated with an interaction, identifying, via the one or more components, a current location and a destination of the user, identifying the one or more third party entities between the current location and the destination, applying logic to select a first third party entity from the one or more third party entities, establishing a communication link with a remote device associated with the first third party entity, and initiating transfer of resources to the remote device to complete the interaction.

Claims

1. A system for communicable integration of an automobile system and a drive-through system, the system comprising:

one or more memory devices having computer readable code stored thereon;

one or more processing devices operatively coupled to the one or more memory devices, wherein the one or more processing devices are configured to execute the computer readable code to;

receive a request from a user, via one or more components of an automobile and a smart chip located in the automobile, to place an order, wherein the order is a drive-through pickup order;

identify a current location of the user, via the one or more components and the smart chip;

determine a time estimate associated with preparing the order;

dynamically determine a predetermined limit based on the time estimate;

identify one or more third party entities associated with the order within the predetermined limit from the current location of the user, wherein the one or more third party entities distribute one or more products associated with the order;

apply logic and select a first third party entity from the one or more third party entities and transfer a third party entity location of the first third party entity to the user;

establish a first communication link between the automobile and a drive-through system associated with the first third party entity;

prompt the user, via the one or more components, to confirm the order;

receive a notification associated with the order from the drive-through system;

transmit the notification to the user via the one or more components;

automatically initiate transfer of resources from a resource pool associated with the user, via the smart chip, to complete an interaction with the drive-through system, wherein the interaction is associated with the request;

complete the interaction by transferring the resources to the drive-through system;

in response to completing the interaction, receive a receipt associated with the interaction from the drive-through system; and

integrate the receipt with the interaction posted into a user application stored in the smart computing device.

2. The system of claim 1, wherein the one or more processing devices are configured to execute the computer readable code to initiate the transfer of the resources by:

continuously monitoring a real-time location of the user via the one or more components; and

identifying that the real-time location of the user matches the third party entity location.

3. The system of claim 1, wherein the one or more processing devices are configured to execute the computer readable code to establish a direct communication link with the one or more components of the automobile.

4. The system of claim 1, wherein the one or more processing devices are configured to execute the computer readable code to establish a communication link with a smart computing device of the user, wherein the smart computing device is connected to the automobile.

5. The system of claim 4, wherein the one or more processing devices are configured to execute the computer readable code to complete the interaction by:

extracting information associated with one or more resource pools comprising the resource pool stored in the smart computing device of the user; and

transferring the resources from the resource pool to the drive-through system.

6. The system of claim 1, wherein the one or more processing devices are configured to execute the computer readable code to complete the interaction by transferring the resources to the drive-through system via a card reader located in the automobile.

7. The system of claim 1, wherein the one or more components comprise at least input devices, output devices, positioning system, and other automotive components.

8. The system of claim 1, wherein the one or more processing devices are configured to execute the computer readable code to apply the logic by:

identifying user preferences associated with the user;

identifying travel time associated with each of the one or more third party entities by communicating with traffic monitoring systems;

identifying one or more supplemental resources associated with one or more resource pools of the user;

identifying one or more factors associated with the one or more third party entities; and

determining the first third party entity based on at least the user preferences, the travel time, the one or more supplemental resources, and the one or more factors.

9. The system of claim 1, wherein the one or more processing devices are configured to execute the computer readable code to continuously monitor real-time location of the user and transmit the real-time location of the user to the drive-through system.

10. A computer program product for communicable integration of an automobile system and a drive-through system, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprises one or more executable portions for:

receiving a request from a user, via one or more components of an automobile and a smart chip located in the automobile, to place an order, wherein the order is a drive-through pickup order;

identifying current location of the user, via the one or more components and the smart chip;

determining a time estimate associated with preparing the order;

dynamically determining a predetermined limit based on the time estimate;

identifying one or more third party entities associated with the order within the predetermined limit from the current location of the user, wherein the one or more third party entities distribute one or more products associated with the order;

applying logic and select a first third party entity from the one or more third party entities and transfer a third party entity location of the first third party entity to the user;

establishing a first communication link between the automobile and a drive-through system associated with the first third party entity;

prompting the user, via the one or more components, to confirm the order;

receiving a notification associated with the order from the drive-through system;

transmitting the notification to the user via the one or more components;

automatically initiating transfer of resources from a resource pool associated with the user, via the smart chip, to complete an interaction with the drive-through system, wherein the interaction is associated with the request;

completing the interaction by transferring the resources to the drive-through system;

in response to completing the interaction, receiving a receipt associated with the interaction from the drive-through system; and

integrating the receipt with the interaction posted into a user application stored in the smart computing device.

11. The computer program product of claim 10, wherein the computer-readable program code portions comprise one or more executable portions for initiating the transfer of the resources by:

continuously monitoring a real-time location of the user via the one or more components; and

identifying that the real-time location of the user matches the third party entity location.

12. The computer program product of claim 10, wherein the computer-readable program code portions comprise one or more executable portions for establishing a direct communication link with the one or more components of the automobile.

13. The computer program product of claim 10, wherein the computer-readable program code portions comprise one or more executable portions for establishing a communication link with a smart computing device of the user, wherein the smart computing device is connected to the automobile.

14. The computer program product of claim 13, wherein the computer-readable program code portions comprise one or more executable portions for completing the interaction by:

extracting information associated with one or more resource pools comprising the resource pool stored in the smart computing device of the user; and

transferring the resources from the resource pool to the drive-through system.

15. A computer implemented method for communicable integration of an automobile system and a drive-through system, the method comprising:

receiving a request from a user, via one or more components of an automobile and a smart chip located in the automobile, to place an order, wherein the order is a drive-through pickup order;

identifying current location of the user, via the one or more components and the smart chip;

determining a time estimate associated with preparing the order;

dynamically determining a predetermined limit based on the time estimate;

identifying one or more third party entities associated with the order within the predetermined limit from the current location of the user, wherein the one or more third party entities distribute one or more products associated with the order;

applying logic and select a first third party entity from the one or more third party entities and transfer a third party entity location of the first third party entity to the user;

establishing a first communication link between the automobile and a drive-through system associated with the first third party entity;

prompting the user, via the one or more components, to confirm the order;

receiving a notification associated with the order from the drive-through system;

transmitting the notification to the user via the one or more components;

automatically initiating transfer of resources from a resource pool associated with the user, via the smart chip, to complete an interaction with the drive-through system, wherein the interaction is associated with the request;

completing the interaction by transferring the resources to the drive-through system;

in response to completing the interaction, receiving a receipt associated with the interaction from the drive-through system; and

integrating the receipt with the interaction posted into a user application stored in the smart computing device.

16. The computer implemented method of claim 15, wherein the method comprises initiating the transfer of the resources by:

continuously monitoring a real-time location of the user via the one or more components; and

identifying that the real-time location of the user matches the third party entity location.

17. The computer implemented method of claim 16, wherein the method comprises continuously monitoring real-time location of the user and transmitting the real-time location of the user to the drive-through system.

18. The computer implemented method of claim 15, wherein the method further comprises establishing a communication link with a smart computing device of the user, wherein the smart computing device is connected to the automobile.

19. The computer implemented method of claim 15, wherein completing the interaction comprises:

extracting information associated with one or more resource pools comprising the resource pool stored in the smart computing device of the user; and

transferring the resources from the resource pool to the drive-through system.

20. The computer implemented method of claim 15, wherein completing the interaction comprises transferring the resources to the drive-through system via a card reader located in the automobile.