Transaction optimization through scanned data

Patent metadata

Field	Value
Publication number	US-10198609-B1
Application number	US-201715711459-A
Country	US
Kind code	B1
Filing date	Sep 21, 2017
Priority date	Sep 21, 2016
Publication date	Feb 5, 2019
Grant date	Feb 5, 2019

Abstract

Techniques are described for facilitating and/or optimizing a transaction, such as a purchase transaction, through the use of scanned data. In some implementations, a user may use a portable computing device to scan a vehicle tag (e.g., vehicle identification number) that is affixed to a vehicle and determine vehicle information. The user may also scan a user tag such as a driver's license to determine user data that identifies the user. The vehicle data and/or user data may be communicated to transaction service(s), which generate transaction data that may be specific to the particular user that provided the vehicle data and/or user data. The transaction data may include information regarding a price of the vehicle, terms of a loan that the user may take out to finance the purchase of the vehicle, information regarding an insurance policy for insuring the vehicle, and so forth.

First claim

What is claimed is:

1. A portable computing device comprising:
at least one scanning component;
at least one processor communicatively coupled to the at least one scanning component; and
memory communicatively coupled to the at least one processor, the memory storing instructions which, when executed by the at least one processor, instruct the at least one processor to perform operations comprising:
scanning, using the at least one scanning component, a vehicle tag that encodes vehicle data describing a vehicle, and receiving, from the at least one scanning component, the vehicle data that is retrieved by scanning the vehicle tag;
scanning, using the at least one scanning component, a user tag that encodes user data describing a user, and receiving, from the at least one scanning component, the user data that is retrieved by scanning the user tag;
transmitting, over at least one network, the vehicle data and the user data to a transaction service executing on at least one remote server computing device and receiving, in response, transaction data that is generated by the transaction service based at least partly on the vehicle data and the user data, the transaction data associated with a purchase of the vehicle by the user, the transaction data including a price of the vehicle;
presenting the transaction data in a user interface (UI) executing on the portable computing device;
transmitting, over the at least one network to the transaction service, a request to purchase the vehicle, the request provided by the user through the UI executing on the portable computing device; and
receiving, from the transaction service, in response to the request to purchase the vehicle, a code that is presentable in the UI, wherein entry of the code at a kiosk causes the kiosk to dispense at least one key to the vehicle.

2. The portable computing device of claim 1 , wherein:
the user tag is a physical credential of the user; and
scanning the user tag includes capturing at least one image of the physical credential and performing pattern recognition to determine, as the user data, text information including one or more of a user name and a user identification number that is on the physical credential.

3. The portable computing device of claim 1 , wherein:
the vehicle tag is a printed decal affixed to the vehicle; and
scanning the vehicle tag includes capturing at least one image of the printed decal and performing pattern recognition to determine, as the vehicle data, text information including a vehicle identification number (VIN) that is on the printed decal.

4. The portable computing device of claim 1 , wherein:
the vehicle tag is a printed decal affixed to the vehicle, the printed decal including a scannable barcode; and
scanning the vehicle tag includes capturing at least one image of the scannable barcode and decoding the scannable barcode to determine, as the vehicle data, a vehicle identification number (VIN) that is encoded in the scannable barcode.

5. The portable computing device of claim 1 , wherein the transaction data further includes one or more of loan information, insurance information, vehicle history information, and vehicle cost information.

6. The portable computing device of claim 1 , wherein the price is guaranteed, by the transaction service, for a limited period of time.

7. A computing implemented method performed by a portable computing device, the method comprising:
scanning, using at least one scanning component of the portable computing device, a vehicle tag that encodes vehicle data describing a vehicle, and receiving, from the at least one scanning component, the vehicle data that is retrieved by scanning the vehicle tag;
scanning, using the at least one scanning component of the portable computing device, a user tag that encodes user data describing a user, and receiving, from the at least one scanning component, the user data that is retrieved by scanning the user tag;
transmitting, by the portable computing device, over at least one network, the vehicle data and the user data to a transaction service executing on at least one remote server computing device and receiving, in response, transaction data that is generated by the transaction service based at least partly on the vehicle data and the user data, the transaction data associated with a purchase of the vehicle by the user, the transaction data including a price of the vehicle;
presenting the transaction data in a user interface (UI) executing on the portable computing device;
transmitting, by the portable computing device, over the at least one network to the transaction service, a request to purchase the vehicle, the request provided by the user through the UI executing on the portable computing device; and
receiving, by the portable computing device, from the transaction service, in response to the request to purchase the vehicle, a code that is presentable in the UI, wherein entry of the code at a kiosk causes the kiosk to dispense at least one key to the vehicle.

8. The method of claim 7 , wherein:
the user tag is a physical credential of the user; and
scanning the user tag includes capturing at least one image of the physical credential and performing pattern recognition to determine, as the user data, text information including one or more of a user name and a user identification number that is on the physical credential.

9. The method of claim 7 , wherein:
the vehicle tag is a printed decal affixed to the vehicle; and
scanning the vehicle tag includes capturing at least one image of the printed decal and performing pattern recognition to determine, as the vehicle data, text information including a vehicle identification number (VIN) that is on the printed decal.

10. The method of claim 7 , wherein:
the vehicle tag is a printed decal affixed to the vehicle, the printed decal including a scannable barcode; and
scanning the vehicle tag includes capturing at least one image of the scannable barcode and decoding the scannable barcode to determine, as the vehicle data, a vehicle identification number (VIN) that is encoded in the scannable barcode.

11. The method of claim 7 , wherein the transaction data further includes one or more of loan information, insurance information, vehicle history information, and vehicle cost information.

12. The method of claim 7 , wherein the price is guaranteed, by the transaction service, for a limited period of time.

13. One or more computer-readable media storing instructions which, when executed by at least one processor, cause the at least one processor to perform operations comprising:
scanning, using at least one scanning component of a portable computing device, a vehicle tag that encodes vehicle data describing a vehicle, and receiving, from the at least one scanning component, the vehicle data that is retrieved by scanning the vehicle tag;
scanning, using the at least one scanning component of the portable computing device, a user tag that encodes user data describing a user, and receiving, from the at least one scanning component, the user data that is retrieved by scanning the user tag;
transmitting, by the portable computing device, over at least one network, the vehicle data and the user data to a transaction service executing on at least one remote server computing device and receiving, in response, transaction data that is generated by the transaction service based at least partly on the vehicle data and the user data, the transaction data associated with a purchase of the vehicle by the user, the transaction data including a price of the vehicle;
presenting the transaction data in a user interface (UI)

Assignees

• Usaa

Inventors

• Tripathy Shantanu
• Lindley David
• Alcantar Ricardo
• Moran Adam Walker
• Dhakal Rupesh

Classifications

• G06K7/10881

  constructional details of hand-held scanners · CPC title

• G06K7/1413 Primary

  1D bar codes · CPC title

• G06K2007/10524

  Hand-held scanners · CPC title

• G06K7/10722

  Photodetector array or CCD scanning · CPC title

• G06Q20/3276 Primary

  using a pictured code, e.g. barcode or QR-code, being read by the M-device · CPC title