Secure edge device for contactless vehicle processing

Patent metadata

Field	Value
Publication number	US-12349141-B2
Application number	US-202418600735-A
Country	US
Kind code	B2
Filing date	Mar 10, 2024
Priority date	Jun 11, 2021
Publication date	Jul 1, 2025
Grant date	Jul 1, 2025

Abstract

Embodiments of the present invention provide a secure edge device for contactless resource distribution and resource crediting from an automobile. In this way, the edge device may be affixed to or embedded within the side or the mirror of an automobile and be able to communicate with a third party device using near field communication. Upon authentication of a user, the edge device may communicate with the third party to transmit and present data about the resource distribution to the automobile display. The system allows for the user to select the resource distribution via the automobile display and provide a completion of resource distributions.

First claim

What is claimed is:

1. A system for automobile contactless resource distribution, 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:
configure resource distribution elements, authentication credentials, and restrictions into an integrated secure edge device associated with an automobile, wherein the integrated secure edge device associated with an automobile is associated with the automobile and generates a communication linkage between an automobile system and a third party device;
identify a user co-located with the automobile system based on a communicable linkage between the automobile and a user device and at least one user automobile preference within the automobile,
wherein the communicable linkage is based on a co-localization of the user device with the automobile, and
wherein the at least one user automobile preference comprise at least one user specific vehicle adjustment;

authenticate the user co-located with the automobile system as an authenticated user based on the communicable linkage with the user device comprising an authenticated user device and based on the at least one user automobile preference matching at least one authenticated user automobile preference for the user co-located within the automobile;
initiate contactless communication between the automobile system via the integrated secure edge device and a third party device for completion of a resource distribution;
display resource distribution information from the third party device and resource distribution elements from the integrated secure edge device to at least one of a display associated with the automobile system or a display associated with the user device, wherein the resource distribution information is transmitted from the third party device via the contactless communication between the integrated secure edge device and the third party device to at least one of the display associated with the automobile system or the display associated with the user device; and
allow user authorization of the resource distribution upon authentication and active interaction with the display.

2. The system of claim 1 , wherein displaying resource distribution information from the third party device and resource distribution elements from the integrated secure edge device to a display, further comprises displaying prompts for user completion of the resource distribution including products, credits, and resource elements to complete resource distribution, and wherein the resource distribution information is displayed and appears similar to a third party display on the display of the automobile system or the user device.

3. The system of claim 1 , wherein the one or more processing devices are further configured to execute the computer readable code to block near field communication with the integrated secure edge device upon completion of the resource distribution.

4. The system of claim 1 , wherein configuring resource distribution elements further comprises adding payment accounts to the integrated secure edge device to complete resource distributions or credits via contactless transacting using the integrated secure edge device associated with the automobile.

5. The system of claim 1 , wherein initiating contactless communication between the integrated secure edge device and the third party device further comprises recognizing a co-location between the integrated secure edge device and the third party device and creating a contactless near field communication linkage between the co-located devices.

6. The system of claim 1 , wherein initiating contactless communication between the integrated secure edge device and the third party device is based on a matching of restrictions and a matching of authentication credentials.

7. The system of claim 1 , wherein resource distribution elements comprise one or more resource accounts to complete a resource distribution.

8. The system of claim 1 , wherein the user co-located with the automobile is authenticated as an authenticated user further comprises authenticating the user co-located with the automobile based on a third party system authentication, wherein the user co-located with the automobile accesses a third party application requiring authentication.

9. A computer program product for automobile contactless resource distribution, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein which when executed by a processing device are configured to cause the processor to:
configure resource distribution elements, authentication credentials, and restrictions into an integrated secure edge device associated with an automobile, wherein the integrated secure edge device associated with an automobile is associated with the automobile and generates a communication linkage between an automobile system and a third party device;
identify a user co-located with the automobile system based on a communicable linkage between the automobile and a user device and at least one user automobile preference within the automobile,
wherein the communicable linkage is based on a co-localization of the user device with the automobile, and
wherein the at least one user automobile preference comprise at least one user specific vehicle adjustment;

authenticate the user co-located with the automobile system as an authenticated user based on the communicable linkage with the user device comprising an authenticated user device and based on the at least one user automobile preference matching at least one authenticated user automobile preference for the user co-located within the automobile;
initiate contactless communication between the automobile system via the integrated secure edge device and a third party device for completion of a resource distribution;
display resource distribution information from the third party device and resource distribution elements from the integrated secure edge device to at least one of a display associated with the automobile system or a display associated with the user device, wherein the resource distribution information is transmitted from the third party device via the contactless communication between the integrated secure edge device and the third party device to at least one of the display associated with the automobile system or the display associated with the user device; and
allow user authorization of the resource distribution upon authentication and active interaction with the display associated with the automobile.

10. The computer program product of claim 9 , wherein displaying resource distribution information from the third party device and resource distribution elements from the integrated secure edge device to a display, further comprises displaying prompts for user completion of the resource distribution including products, credits, or resource elements to complete resource distribution, and wherein the resource distribution information is displayed and appears similar to a third party display on the display of the automobile system or the user device.

11. The computer program product of claim 9 , wherein the computer-readable program code portions which when executed by the processing device are configured to cause the process to block near field communication with the integrated secure edge device upon completion of the resource distribution.

12. The computer program product of claim 9 , wherein configurin

Assignees

• Bank Of America

Inventors

• Castinado Joseph Benjamin
• Merdassa Naoll Addisu
• Dhawan Lalit
• Huggins Robert Nyeland
• Dande Pratap
• Carroll Michael Joseph
• Sloane Brandon
• Vemireddy Vijaya L

Classifications

• H04W72/563

  of the wireless resources · CPC title

• H04W72/51

  based on terminal or device properties · CPC title

• H04W12/08

  Access security · CPC title

• H04W4/40

  for vehicles, e.g. vehicle-to-pedestrians [V2P] · CPC title

• H04W12/47

  using near field communication [NFC] or radio frequency identification [RFID] modules · CPC title