Systems and methods for driver authentication through embedded sensing

Patent metadata

Field	Value
Publication number	US-10296883-B2
Application number	US-201816023604-A
Country	US
Kind code	B2
Filing date	Jun 29, 2018
Priority date	Jul 14, 2014
Publication date	May 21, 2019
Grant date	May 21, 2019

Abstract

Systems and methods for driver authentication through embedded sensing are disclosed. In one embodiment, a system for driver authentication through embedded sensing may include a vehicle that may include a plurality of sensors, each sensor sensing at least one of a characteristic of a vehicle occupant and a movement of the vehicle occupant; at least one computer processor executing a computer application, the computer application receiving and processing data from the plurality of sensors; and a communication interface. The system may further include a back-end server in communication with the vehicle communication interface and a plurality of locations in communication with the back-end server. In one embodiment, the characteristic may be a biometric characteristic of the vehicle occupant.

First claim

What is claimed is:

1. A method for conducting a vehicle-based transaction, comprising:
in an vehicle-based information processing apparatus comprising at least one computer processor:
detecting a transaction opportunity to conduct a vehicle wallet-based transaction with a third party;
retrieving a vehicle occupant profile for an occupant of a vehicle;
receiving, from a first vehicle sensor in the vehicle, a sensed physical characteristic of the vehicle occupant;
receiving, from a second vehicle sensor in the vehicle, a sensed vehicle control input movement for the vehicle occupant that is associated with the vehicle occupant's operation of the vehicle;
authenticating the vehicle occupant by comparing the sensed physical characteristic and the sensed vehicle control input movement to the retrieved vehicle occupant profile; and
conducting the vehicle wallet-based transaction with the third party using the vehicle wallet.

2. The method of claim 1 , wherein the transaction comprises a vehicle operation fee.

3. The method of claim 1 , wherein the third party comprises a drive-through provider of a good or service.

4. The method of claim 1 , wherein the third party comprises a vehicle wallet for a second vehicle.

5. The method of claim 4 , wherein the transaction is for driving information from an operator of the second vehicle.

6. The method of claim 5 , wherein the driving information comprises traffic information or road condition information along a route.

7. The method of claim 6 , further comprising:
altering the route in a navigation system in response to the traffic information of road condition information.

8. The method of claim 6 , further comprising:
altering the a vehicle operation characteristic in response to the traffic information of road condition information.

9. The method of claim 1 , wherein the transaction comprises sending funds to the third party.

10. The method of claim 1 , wherein the transaction comprises receiving funds from the third party.

11. A vehicle that conducts a vehicle-based transaction, comprising:
a first sensor sensing a physical characteristic of a vehicle occupant;
a second sensor sensing a vehicle control input movement of the vehicle occupant that is associated with the vehicle occupant's operation of the vehicle; and
at least one computer processor that:
detects a transaction opportunity to conduct a vehicle wallet-based transaction with a third party;
retrieves a vehicle occupant profile for the occupant of a vehicle;
receives the sensed physical characteristic from the first vehicle sensor;
receives the sensed vehicle control input movement from the second vehicle sensor;
authenticates the vehicle occupant by comparing the sensed physical characteristic and the sensed vehicle control input movement to the retrieved vehicle occupant profile; and
conducts the vehicle wallet-based transaction with the third party using the vehicle wallet.

12. The vehicle of claim 11 , wherein the transaction comprises a vehicle operation fee.

13. The vehicle of claim 11 , wherein the third party comprises a drive-through provider of a good or service.

14. The vehicle of claim 11 , wherein the third party comprises a vehicle wallet for a second vehicle.

15. The vehicle of claim 11 , wherein the transaction is for driving information from an operator of the second vehicle.

16. The vehicle of claim 15 , wherein the driving information comprises traffic information or road condition information along a route.

17. The vehicle of claim 16 , further comprising:
altering the route in a navigation system in response to the traffic information of road condition information.

18. The vehicle of claim 6 , further comprising:
altering the a vehicle operation characteristic in response to the traffic information of road condition information.

19. The vehicle of claim 11 , wherein the transaction comprises sending funds to the third party.

20. The vehicle of claim 11 , wherein the transaction comprises receiving funds from the third party.

Assignees

• Jpmorgan Chase Bank Na

Inventors

• Kursun Eren
• Lee Sih

Classifications

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title

• G06Q20/1085

  involving automatic teller machines [ATMs] · CPC title

• G06F21/34

  involving the use of external additional devices, e.g. dongles or smart cards · CPC title

• G06Q20/4016

  involving fraud or risk level assessment in transaction processing · CPC title

• G06Q20/18 Primary

  involving self-service terminals [SST], vending machines, kiosks or multimedia terminals · CPC title